davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I opened an account with Credit Strong in XX/XX/XXXX because I wanted to increase my score in order to be eligible to purchase a home. I paid every month on time, but my balance never decreased. After noticing my balance never decreasing, I called and requested to have the accounts closed on XX/XX/XXXX. I received a credit report refresh on XX/XX/XXXX, and noticed the accounts were still reporting and also reporting 30 days late! 

I called the company after noticing this incorrect reporting and was told the account was never closed. The agent I spoke with did go ahead and close the account and send me confirmation that the account was now closed, however, she stated she couldn't do anything about the reporting. Although, she stated it was their fault for not closing the account when I requested, but refused to rectify the issue.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is being reported as inaccurate on my credit report. 

In accordance with the Fair Credit Reporting act XXXX, Account : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX I reviewed my consumer reports and noticed that i had late payments on TWO accounts that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/XXXX ) through dates ( XX/XX/XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have been reaching out to the credit bureaus because they have a lot of inaccurate information on my credit report. I wrote my XXXX letter in XXXXXXXX XXXX XXXX. They havent sent me any signatures, or gave correct information on any of my account. They are reporting derogatory on accounts I never opened. They also have a lot of incorrect information but wont remove this off of my report. 

I also attached part of my credit report that are inaccurate.
Consumer complaint received 2018-02-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION (GA)

Mortgage was sold from XXXX to 3 different companies and wound up with BBandT. 
Each time mortgage was sold i was in a loan modification. I had just completed a loan modifi ation with bbandt on XX/XX/XXXX. Then without notification home was put up for foreclosure and bsnk bought it on XXXX XXXX, 2017. Found out by neighbor who saw it in the paper.
Consumer complaint received 2022-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RockLoans Holdings LLC (GA)

On XX/XX/XXXX I received an email from Rocket Loans advising me that it was the last day to make my payment before my account would receive negative marks on my credit report. I rushed to log in and scheduled the payment which was not drafted until XX/XX/XXXX. Last week I received an alert from my credit monitoring service that my credit score dropped XXXX points due to the negative reporting from Rocket Loans. 

I've called and escalated this situation up to what they call their leadership team and have been unable to receive any kind of solution. They claim the email is automated, but that is very misleading to write an email that states if I don't make the payment on that date then I will receive negative credit reporting. I've spoken to over 3 people and they all refuse to assist me with this matter, it is not fair to me that I receive these negative markings due to their lack of communication. 

I would like someone to research this matter, as this is against Fair Credit Reporting laws.
Consumer complaint received 2019-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2019, I was in contact with a person named " XXXX XXXX '' via text message from phone number XXXX about concert meet and greet ticket for XXXX XXXX XXXX in XXXX MA. XXXX stated that she would sell me two meet and greet tickets for {$40.00} a piece totaling {$80.00}. XXXX asked me to send the money through PayPal friends and family so that she did not have to pay the fee and wait for the money to come through. I sent the money to her and then she stated that she cancelled it accidentally. I asked her for proof it was cancelled in which she supplied me with a transaction number from PayPal. I asked for proof of the tickets and who she was and she sent it to me also. I never received the product I paid for. I contacted PayPal and they stated they could not do anything for me due to me sending it friends and family and not business transaction. I then disputed the transaction through XXXX XXXX XXXX due to that being the credit card I used. XXXX XXXX XXXX stated that they could not do anything for me either due to PayPals policies. I am looking to get these transaction taken off of my credit card due to it being fraud. I paid for a product I did not receive and have the text messages to prove it.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX Response to complaint XXXX XXXX XXXX XXXX has decided to close and delete an account in response to a complaint that was filed. However, they have erroneously stated that it takes 60 days minimum for the credit bureaus to update their records and have this reflected on my credit report. I would like this account removed immediately from my credit report.
Consumer complaint received 2022-10-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (TX)

On XX/XX/2022, XXXX XXXX with Rocket Mortgage sent me a conditional pre-qualification letter stating a FHA 30 Year Fixed rate loan could be used for closing on my next property. Prior to receiving this pre-qualification letter, I had informed her that I was actively looking for a primary residence in the XXXX area and planned to keep my current residence in XXXX, TX as a rental. She sent me the pre-qualification letter knowing my home search was in the XXXX, TX area and my current residence was also in XXXX, TX. On XX/XX/2022, I put an offer in on a home in XXXX, TX ( 11 miles from my current residence in XXXX, TX ) and was accepted. Three weeks into the executed contract timeline, XXXX informed me that they could no longer use FHA funding because my new prospective residence is within 100 miles of my current residence that I planned to keep as a rental. As a result, I needed to use conventional funding. Unfortunately, my debt to income ratio was too high to qualify for a conventional loan so they sent me information about what debts I needed to pay down before I could qualify for conventional. I asked for a fee break down or a loan estimate to understand how much money I need to put towards debts to reduce my debt to income ratio enough to qualify for conventional so XXXX sent me a loan estimate for conventional funding with cash needed to close to reduce my debt to income ratio enough to close with conventional. I began looking at pulling money out of retirement accounts to close on this home. At the beginning of XXXX, I received an email from XXXX stating that Rocket would not fund the home at all. They then backdated a letter to XX/XX/2022 that they would not fund the loan and uploaded it to my account. 

I am filing a formal complaint here for two reasons ( 1 ) the milage requirement for FHA funding should have been discovered and disclosed prior to a pre-qualification being sent out. ( 2 ) The ambiguous conventional loan requirements, misleading loan estimate, and backdated letter of disqualification for a conventional loan was extremely deceptive and should have received clear, accurate, and timely communication. 

As a consumer who was provided bad information multiple times, I am in a very precarious living situation. I am under contract on a home that I am not sure I can purchase, and I have {$2500.00} in earnest money on the line. If I had received correct information from the onset, I would have never put an offer in on this home.
Consumer complaint received 2018-04-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NJ)

On XX/XX/2018 I noticed XXXX XXXX reporting a debt on my credit reports ( Original Creditor XXXXXXXX XXXX Nevada, Balance {$470.00} ) I mailed on XX/XX/2018 XXXX XXXX a debt validation request, especially because this account is past the statute of limitations but is appearing as a new account on my credit report. 

XXXX has not verified the debt, yet continues to attempts to collect the debt and report to credit bureaus.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to address the inaccurate information that is currently being reported on my credit report by your agency. On XX/XX/2024, I submitted disputes to TransUnion, XXXX, and XXXX regarding certain accounts listed on my credit report, citing violations to my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite this, I have not received any response from your agency within the mandated 30-day period. 

Enclosed with this letter, you will find copies of all correspondence sent to your agency regarding these disputes. It is imperative that you take prompt action to rectify the inaccuracies on my credit report. 

Specifically, I have identified several violations of the FCRA and Fair Debt Collection Practices Act ( FDCPA ) in relation to the disputed accounts : FCRA 623 ( a ) b ) violation : Your agency has failed to mark the disputed accounts as disputed, as required by law. 

FCRA 605 ( c ) violation : The reporting period on the disputed account has been inaccurately calculated, as it reflects the date of last activity rather than the last date a payment was made.

FDCPA 809b violation : Your agency has repeatedly failed to provide validation of the collection account, as outlined by the Federal Trade Commission ( FTC ) opinion.

I demand that you take immediate action to correct these violations and update my credit report accordingly. Failure to do so will leave me with no choice but to pursue legal remedies to ensure my rights are protected.

Please acknowledge receipt of this letter and provide a timeline for resolving these disputes. I can be reached at the contact information provided above.

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update accordingly. 

( XXXX XXXX )
Consumer complaint received 2020-01-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (LA)

On XX/XX/2020 I mailed a letter requesting that my debt with Jefferson Capital Systems be validated. I have no knowledge of this debt. I requested the following information to be provided on Company Letterhead.

1. A detailed and itemized statement of ALL activity to this account.

2. A contract bearing my signature that binds me to the debt.

3. The photo identification I must have provided at the time of starting services.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to attest to your compliance of the FCBA with this account.

The creditor did not provide me with anything I requested but is considering the debt validated. They can not provide me proof that this is my debt. I am extremely frustrated. It is unfair that they can cause damage to my credit reputation but can not prove to the person they are damaging that the debt is in fact for them. I have attached the incompetent response from the creditor. What they are doing is illegal. They are not validating debts at all.
Consumer complaint received 2020-01-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SUNTRUST BANKS, INC. (FL)

I have a personal & individual credit line that was originally transacted with XXXX XXXX. It migrated to SunTrust Bank over the years. On XX/XX/2019 an " Internet Advance '' was made against my LOC in the amount of {$5000.00}, to an unrelated party, who has essentially hijacked the account. I have made several attempts to advance my complaint through the fraud department with SunTrust but as the minimum payment are being made, they are not in jeopardy and are not addressing my complaint. I have provided SunTrust with copies of the original agreement with XXXX so as to prove that I am the only person or entity authorized and responsible for utilizing this credit line. As best that I can discern, SunTrust 's position is that as long as the payments are being made, they will not do anything about it.
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

RE : B of A cards XXXX XXXX XXXX XXXX & XXXX Both of these cards are being used for XXXX XXXX transfers. I paid fees on b oth to avoid interest charges. That worked on XXXX ; not so on XXXX. B of A has taken fees and continues to take interest. Calls to the bank result in being hung up on 3 or 4 times.This bank is stealing from me and brazenly, will not even discuss the situation. They just stonewall,
Consumer complaint received 2018-04-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCP Finance (OH)

On XX/XX/XXXX, I received a call from XXXX at XXXX XXXX. After she verified who I was, she attempted to collect a debt. I explained that I don't want anymore calls and wanted the debt validated - she refused and said that she didn't have to do that and that I needed to pay the debt. There was yelling on both parts and she disconnected the call. I called back and got her again, explaining that I wanted the debt validated and again she refused, so I disconnected the call. I called back a 3rd time and got the general voicemail box stating that I wanted no more phone calls from them at all and for them to validate the debt and that I was issuing a complaint with the CFPB. On XX/XX/XXXX, I went on their website and stated that I wanted a cease and desist and to have the debt validated. On XX/XX/XXXX, at XXXX, I received a voicemail message from XXXX asking that I return their call. 

This is in direct violation of FDCPA. I told her on a recorded line that wanted the debt validated and she refused, I left a message on their general voicemail that I want no more calls and on their website and yet they continue to call.
Consumer complaint received 2020-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NJ)

On or about XXXX, XXXX, I pulled my credit report, going over, I found out multiple accounts that did not belong to me, knowing this I started to do my own research to know how to remove the accounts that did not belong to me. on XX/XX/XXXX, I started disputing the incorrect information using different types of letters. I have been disputing wrong information on my credit report for about a year, a lot of the accounts that were not mine were already off of my credit report, but, no too long ago I received a collection letter from CONVERGENT OUTSOURCING INC trying to collect on Behalf of XXXX, one of the accounts that were included on my identity theft package. The account is highlighted on my Affidavit of Identity theft package that I am uploading.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my concern regarding the unresolved disputes I have raised with TransUnion, XXXX, and XXXX regarding inaccuracies on my credit report. Despite my efforts to rectify these issues, it has now been over 30 days without any response from your agencies. 

Enclosed are copies of the dispute letters previously sent, highlighting the violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), specifically : Failure to mark disputed accounts as such, as required by FCRA 623 ( a ) b ). 
Incorrect reporting period under FCRA 605 ( c ), reflecting the date of last activity instead of the last payment date. 
Continuous failure to validate collection accounts, a violation of FDCPA 809b per the FTC opinion. 
In light of these violations and the potential impact on my financial standing, I am requesting the immediate removal of the disputed accounts from my credit report. 

I expect prompt action from your agencies to rectify these inaccuracies and provide written confirmation of their removal at the earliest opportunity. 

Failure to comply with this request will leave me no option but to pursue further legal action to protect my rights. 

Please acknowledge receipt of this letter and provide a timeline for resolution. I am available for any further communication at the contact details provided above. 

Thank you for your urgent attention to this matter.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Dear reporting Agency i am an identity theft victim. i am writing to dispute the following items on my credit report. each of those accounts and transactions i dispute were opened and made by the thief, not by me. i never authorized, used, or benefited from the accounts or transactions in anyway -XXXX XXXX XXXX {$670.00} OPENENED XXXX
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I went to look at my credit because I'm in the process of purchasing a home. I see several inquiries on my credit report that I did not authorize to be ran. Please remove these inquiries from my credit XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX  Of XXXX XXXX from XXXX XXXX, XXXX XXXX  XXXX XXXX from XX/XX/XXXX XXXX  Of XXXX XXXX from XX/XX/XXXX XXXX  XXXX XXXX from XX/XX/XXXX XXXX  XXXX XXXX from XX/XX/XXXX XXXX  XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX - XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX.
Consumer complaint received 2021-10-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

I purchased my car through HSBG XXXX XXXX XXXX for {$19000.00}. I am trying to obtain the title on my car that has been paid off for 10 years. The loan was in XXXX for a 6 year loan. I am trying to obtain the title but ADOT in Arizona states there is a lien by mentioned company. I understand that the business does not exist anymore. I have tried for hours to find out who is holding the title to no success.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (TX)

I noticed back in XX/XX/2022 there was a fraudulent item Affirm loan and services on my credit report. I contacted Affirm Ioan and services with no results. I disputed this item 3 times with proof and documentation with XXXX. Unfortunately this item has not been removed. I want this item removed from my credit report. My credit is important to me. I have rights under the FRCA act that has not been followed. I will contact an Attorney if cfpb can not help. Also this item only reports on XXXX.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MidAmerica Mortgage Inc (FL)

Companies or lenders obtained my personal information either fraudulently or had no authorization to request or obtain my credit report. I have tried to persuade companies and credit bureaus to actualize or update inaccurate or unlawful obtained information from my report.