davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-25
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: I.C. System, Inc. (MI)

I have never been under contract with either of the companies and they keep reporting inaccurate information on my account while I am in the process of homeownership, further putting me and my family behind during a worldwide pandemic, causing stress that is unneeded. Ive reached out to all companies with zero response and everytime its disputed off of my credit history it reappears. 


XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX - XXXX XXXX XXXXXXXX XXXX XXXX, Illinois IC Systems - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN
Consumer complaint received 2023-07-27
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: TD BANK US HOLDING COMPANY (NJ)

Hi, TD Auto finance is not acting like honest creditor. I paid off my complete loan payment according to contract signed and at the end they keep asking little more few XXXX dollars without any further explanation and that bill they did send timely. According to my understanding I paid off all loan including interest and charges more then {$42000.00} and every payment gone by electronically proof. And at the end every single XXXX paid of and I have letter issued by them Paid in full notarized letter but unfair act they did is last payment they received and mentioned that amount charged off without authentication. Even they unreasonable amount I paid them off and their was no reason to mention charged off while they have all money in their pocket. This unfair action and negative act hurting my credit report and restricting me for getting any further vehicle loan. Please take action of this cruelty of TD Auto finance.
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (HI)

I was checking my XXXX  ID personal protection Today and there are several delinquent recorded debt information from creditor, some of which can't be verified, saying that there is adverse credit information from 7 creditors which some I know are credit cards but others can't be determine. 

This information was obtained from experian. 

As I indicated to you there as but and on going problems with creditors and banks, which has been filed.
Consumer complaint received 2024-02-28
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-15
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: DISCOVER BANK (NJ)

In XX/XX/2019 DISCOVER Financial SER added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, DISCOVER Financial SER has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
Consumer complaint received 2018-07-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

My mortgage transferred from XXXX XXXX XXXX to XXXX XXXX   effective XX/XX/2018. XXXX made my last bi-weekly payment of {$530.00} towards principal instead of a payment ( documents to show proof ). This caused my mortgage to be delinquent with Loancare in the amount of {$530.00}. I have called to correct this issue several times. Most recently I have talked to XXXX XXXX and XXXX on XX/XX/18. I also called on XX/XX/18 to resolve the issue and talked to XXXX. XXXX transferred me to leave a voicemail for the supervisor, XXXX XXXX. I have never gotten a call back from ANY supervisor or any other CSR. I have also emailed documents ( bank statement and mortgage payments ) on XX/XX/18 to help correct the issue. As of this statement, The principal payment of {$530.00} has not been corrected to a regular monthly payment and I am still showing delinquent for XX/XX/XXXX payment. I have paid on time every month but now I am being charged a late fee because of this issue. Loancare has done nothing to help me fix this issue. Please help.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have submitted several letters to all XXXX credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with XXXX  XXXX Bank XXXX They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', and ''date of last activity ''. Please delete this incorrect and unverifiable information from my credit report.
Consumer complaint received 2021-10-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NY)

Open credit card with bank credit limit was {$200.00} XXXX  company changed credit limit and say i owe XXXX and also filed lawsuit in XXXX XXXX NY and claimed they served me they didn't as well as false documents they filed in court they had threatening letters with false amounts i cleared up my credit and went to court to settle this issue after doing a credit check they refused and case was thrown out without opposition company is collecting false debt approved and obtained a judgment falsely that was later thrown out yet they still are trying to collect and increase debt on credit they falsely created as well as refuse to settle and still try and collect Company is LVNV Funding L.L.C
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

As of XX/XX/2020 my XXXX XXXX XXXX and XXXX XXXX report shows a increase of XXXX just added to my report through XXXX XXXX. I called XXXX XXXX XX/XX/XXXX & XXXX Th 2020 at XXXX XXXX and XXXX XXXX. XXXX said there are no late payments and that they will file a dispute but will take XXXX business days! My score as of XX/XX/XXXX Th 2020 is XXXX! If this increase of XXXX through XXXX XXXX  was not appearing my score would be in the 700 s and I have not been late one time with them all these years! Why is this saying this if XXXX  said in their end they see no increase of XXXX nor have I been late?! This is impacting my ability to have a higher score and it's not EVEN my fault ; (
Consumer complaint received 2018-04-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I am a co-signer on my daughter 's loan. I have been in bankruptcy for 5 years, therefore the loans have been in deferment. My bankruptcy ended in XX/XX/XXXX. In XX/XX/XXXX, I began receiving bills and I submitted a consolidation for the loans. However, last month in XX/XX/XXXX they began showing up and not included in the consolidation. I began calling and e-mailing Navient. No one would explain to me that they were private loans and were not included in the consolidation. Finally, around XX/XX/XXXX I was told that they were private and they were delinquent and I had to speak with collections. When I called collections I was told that I was the co-signer on only one loan. I replied, why can I see the other 2 loans as well. I was told that they would not discuss the loans with me that my daughter had to call. My daughter called and they gave her the run around, as well as being indignant with her. I called back the next day to customer service and I was told that I could pay {$50.00} on the one loan and request a forbearance. I paid the {$50.00} on XX/XX/XXXX and the loan is still showing delinquent. I have called everyday about the loan and I have told that it take 2 to 3 business days and it will clear up tomorrow, or the next day.. As of today, XX/XX/XXXX, it is not in good standing and I am not going to file a forbearance on the other loans until this is corrected.
Consumer complaint received 2018-07-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I contacted the credit bureaus to initiate a credit investigation of incorrect items on my credit report. Well over 30 days have passed. XXXX   has responded, but I have not received anything back from XXXX or XXXX XXXX.
Consumer complaint received 2021-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

This is NOT a duplicate request. I had contacted the CFPB to follow up on my complaint # XXXX in late XX/XX/XXXX due to a letter received on XX/XX/XXXX. I was informed I could not receive any information as there was not enough information to verify my identify. I am now filing online to follow up. 
I reached out to the servicer, PHH Mortgage Services as I received a debt collection letter from a " purported '' foreclosure attorney, XXXX XXXX XXXX in XXXX, MA. I sent a debt validation letter in XX/XX/XXXX as well as a QWR ( Qualified Written Request ) to the servicer. What I sent to PHH in the QWR is not what I received. I received a copy of pages of outrageous purported billing charges/fees which included services that don't even exist, as well as information that directly contradicts information I was just able to locate in a XXXX tax document, that was from XXXX. Meaning, the information I received in XXXX from PHH for XXXX accounting does not agree with the actual XXXX tax document in my possession nor was it sent to the IRS by the servicer as it doesn't appear on my transcripts that I recently reviewed. In addition, one of the single page documents from PHH was illegible, unreadable! Not sure it's even readable with a magnifying glass! PHH directs me to contact their Research Department for additional information which is the exact address where the QWR was sent, letter is signed as the Research Dept. Interesting, PHH states in their QWR reply, no fraud has occurred. That statement would be incorrect, all the fraud was removed. In the reply, based on the information PHH states it has, PHH failed to state there was a foreclosure in XXXX, mortgage was written off, charged off or XXXX, the foreclosure was void/invalid by the court in XXXX ( in a case brought by the Plaintiff ). Another case was brought by the Plaintiff ( purported XXXX XXXX XXXX XXXX for XXXX ) was dismissed in XXXX ( XXXX XXXX due to the XXXX decision ). In another case brought by the Plaintiff regarding a quiet title action, the court ruled against the Plaintiff in XXXX, the ruling denied the Plaintiff the authority to foreclose, quiet title action decision was in favor of the Defendant/Homeowner , along with title to the property and no encumbrance on the property, meaning title free and clear to the Defendant/Homeowner whom has lived in and owned this property since XXXX! The property is not vacate, no maintenance has EVER been done at the property, other than by this homeowner though PHH recently sent a document reflecting charges/fees for such.
Consumer complaint received 2018-04-27
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: Experian Information Solutions Inc. (NC)

I reviewed my credit report on XX/XX/XXXX and I saw entries from XXXX  listed. I contacted Experian on XX/XX/XXXX regarding my findings and demanded a Method of Verification/ Description of Procedure per the Federal Credit Reporting Act ( FCRA ) 609 & 611 as to how they conducted their investigation into the items were listed on my report. I also contacted XXXX XX/XX/XXXX. They did not contact me back regarding the letter I sent them in regard to the alleged account.

I let XXXX  know that FDCPA 808 states : that a debt collector can not collect any amount of money that is not permitted by law or by an agreement.

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

I have yet to receive a response, it remains in my credit file. As of my last writing on XX/XX/XXXX, it still remains on my file. Clearly in violation of the FDCPA. During this time per Federal law as listed in FCRA 609 & 611 they failed and or refused to tell me how they verified this. They provided no evidence to me at all even after I demanded the full scope of the investigation in my letter.

FCRA 607 ( b ) states Accuracy of Report ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If XXXX has deleted it and I sent you information, then it is XXXX XXXX obligation to maintain accuracy.

Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; As I believe Experian is still using XXXX to verify when that has been ruled not to be verification.

If an account is modified or deleted, the furnisher is supposed to send copies of its modification to EACH CRA with whom the data furnisher has a reporting relationship. This way all the NCRAs can meet their responsibilities to update the consumers credit files, where applicable. This is directly from that report and has not been done because I sent proof of this and they still didnt do it.

All this correspondence I will be including for you as well. I had fraud on my account due to someone using my information to open account for which I have an alert on my file.
Consumer complaint received 2018-07-17
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This account is not being reported on my XXXX  credit report and there are several 30 day late payments that are not accurate. Being that the account is not reporting on my XXXX credit report, it leaves me to believe there is some kind of internal error as well with the late payments.
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-05-06
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: EQUIFAX, INC. (GA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2018-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (TX)

I had received several calls multiple times per day about this account. I had adv the company multiple times this was not my debt and would like to dispute. I advised the company the address they have on file was not my valid address and I have never had there service. They told me I don't know why you are trying to run away from the debt they will set up a payment plan for me to pay or else will forever remain on my credit. 
I asked the company to provide me with the following to validate the debt : Please provide the following : Agreement with your clients that grants you the authority to collect on their alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor Any insurance claims made by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file for alleged debtor Alleged account number, Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting alleged debt. 
Commission for debt collector if collector if collection efforts are successful. 


On XX/XX/XXXX or XX/XX/XXXX I sent a certified letter to the company mailing address. They received and picked up the letter and signed for the letter on XX/XX/XXXX. I asked in the letter to validate the debt and asked for several pieces of information to be provided to me. They have yet to validate the debt and prove the debt is mines.
Consumer complaint received 2023-04-01
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. (NJ)

I have sent several disputes to XXXX, Experian, XXXX stating that an account was not mine and it was due to fraud. I showed proof that this fraud was done by an apartment complex and I showed proof of taking them to court to sue them over fraud. XXXX and Experian deleted it off my credit report but XXXX refuses to remove it. I even hired a credit repair company to dispute it and they still denied the dispute. I will like XXXX XXXX of {$270.00} removed from my credit report. Also on XXXX XXXX XXXX I sent all 3 credit bureau my accurate name and address along with social and employment and phone number. I asked that any inaccurate information on my credit report to be removed because I fear for future fraudulent activity. I am trying to correct my credit so I can be able to purchase a home in my near future. I sent letters to Experian, XXXX, XXXX. 
Experian still has inaccurate information on my credit report even after me showing proof. I also will like this inaccurate information removed. It has reached the 30 day mark for all corrections since the disputes.