davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Once again, I 'm making another complaint against TransUnion for failure to remove inaccurate information from a credit report. Federal law requires that the credit bureaus report information on my credit file that is accurate and complete. I 've proven numerous times and have made numerous complaints against them for reporting information such as date that do n't exist, court names that are invalid, and reference numbers that do n't belong to the bankruptcy. 
You can find all this information in the documents attached. I also do n't understand how the credit bureaus can respond and say that these items are reporting accurately and meet the requirements of federal law when I 've proven, like I said, that this information is inaccurately and incompletely on there. Are you saying that a bankruptcy court name is not supposed to be listed as US Bankruptcy Court? You 're also saying that the city and state should be listed? You 're saying that " us bankruptcy court '' is the way that the court is supposed to be listed without listing the city and state?? 
I 'm appalled at the responses that I 've received not only from the credit bureaus but also from your government agency that is supposed to protect me against this abuse. It does n't matter where I pulled my credit report, this is the way that I 'm seeing these listed and the way that my creditors are seeing listed. You need to actually look at the documents that I 've attached and you will see exactly what I 'm talking about. Do n't just send this information to the credit bureaus without looking at it. I 've attached my letters, my previous complaints, and the proof directly from my credit reports that they are in violation of federal law. I require that these items are removed immediately and permanently from my credit report. I 've also made complaints with the Atty. Gen. of California, as well as the Better Business Bureau. 
I would like to see the actual, physical documentation that supports their reporting of these XXXX items. Congress states in XXXX versus Trans Union from XX/XX/1997, that the only legal form of verification is the physical documentation. In addition, there required to have this physical documentation prior to ever reporting it on my credit report. So why is it so difficult for them to send me these court documents when they supposedly already have them? Even if they do have them, they can not prove that they 're even reporting these items accurately. I have the proof and the proof is exactly what I need for these to be removed. I 've already retained an attorney, and my attorney gave me the advice to make one more complaint and send one more round the letters before I take legal action.
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

Under the new law effective XX/XX/2017 any and all public record data must include name, address, SSN or full DOB for it to appear in your credit report. The credit bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and therefore should be deleted from my credit report.
Consumer complaint received 2016-10-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MI)

On XXXX XXXX, 2016 I submitted a letter to Midland Credit Management Inc, requesting a copy of contract that I have made with the company regarding a debt the company claims I owe them. In response I received a copy of a XXXX statement that states the account was charged off. Midland refuses to XXXX out my amount due owed, stating the debt is valid. I spoke with a representative from Midland, XXXX, who states that her company will not dismiss the fraudulent debt and that I still have a balance owed.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (NJ)

I came across XXXX hard inquiries on my XXXX report, which left me feeling confused and concerned. Initially, I thought changes in my credit were due to high balances, but the sudden realization of multiple inquiries around the same time raised red flags. I believe these inquiries should be removed from my credit history and am considering reporting them to address this issue promptly.
Consumer complaint received 2017-10-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (MA)

I have attempted to settle a debt that was owed several times. All of my attempts were either ignored or rejected. I was sued for a much higher amount than I owed because they kept on accruing interest after I had made several attempts to settle or to arrange a monthly payment plan that I can afford. They brought me to court and I had no representation and did not know what I was doing at all. They bamboozled me into accepting a monthly payment plan based on an inflated figure and the payment is more than I can afford per month. I will be paying this debt forever while they collect money on a debt that I do not owe the full amount for. It is wrong and deceptive.
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Under the new law effective XX/XX/2017 any and all public record data must include name, address, SSN or full DOB for it to appear in your credit report. The credit bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and therefore should be deleted from my credit report.
Consumer complaint received 2016-02-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I had previously filed a complaint because I suddenly started getting {$25.00} monthly service charges on an account that had never been charged. The response I got was that my checking account was no longer tied to a mortgage account, so I would now be getting charged. Well, my account was never a mortgage account in the first place. I 've never even had a mortgage for it to be tied to. Your reason for charging me this fee each month is invalid. I was issued " courtesy '' credits for a few months, but found that I 've been charged again for XXXX XXXX and XXXX XXXX. I 'm sure I 'm about to be charged again for XXXX XXXX. I would like a refund of the charges, and my account fixed so that it is like it was before. All I had to have was direct deposit to avoid monthly fees, and I 've had direct deposit for as long as I 've had the account. Please, do not send me any more freaking terms and conditions and cardmember agreements. They are n't even valid since my account was never tied to a mortgage! Do NOT call me. Email or regular mail only.
Consumer complaint received 2022-02-14
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. (PA)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp. (CO)

United Auto has an account listed on my XXXX and XXXX credit reports. The XXXX report does not have a recent balance but noted as paid. The XXXX report shows past due {$7500.00}. 

There was never a balance of {$7500.00} even according to documents received directly from United Auto. The  Charge off amount is claimed to be XXXX yet the balance magically increases to {$7500.00}. 

I have disputed this account on several occasions. I have attached documentation Please delete this account immediately from all credit reports.
Consumer complaint received 2017-10-08
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. (CO)

XXXX XXXX has an account listed on my Experian and XXXX credit reports. The Experian report does not have a recent balance but noted as paid. The XXXX report shows past due {$7500.00}. 

There was never a balance of {$7500.00} even according to documents received directly from XXXX XXXX. The Charge off amount is claimed to be XXXX yet the balance magically increases to {$7500.00}. 

I have disputed this account on several occasions. I have attached documentation Please delete this account immediately from all credit reports.
Consumer complaint received 2016-09-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

I was supposed to start making my car note payment on XXXX XXXX, 2016. I sent them online payment through my husband`s bank with the loan number on it 2 weeks early on XXXX XXXX, 2016 and it cleared the bank on XXXX XXXX, 2016. Few weeks later, I started getting calls from the company that I`m 21 days past due! I quickly called them back and told them that I even made my first payment 2 weeks early, so I should n't be past due. I later went with my husband to his bank and found out that the company returned the money to my husbands account on XXXX XXXX, 2016. I asked them why they did not inform me in writing that they returned the payment? They could not answer the question. I have also made the XXXX payment on time and I have agreed to resend the XXXX payment when I get money. The company has refused to stop saying that I`m 17 days past due, and has also refused to write me a letter of apology for sending my payment back without properly notifying me in writing. I was never late on any of my payment. I always pay ahead of due date.
Consumer complaint received 2016-04-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NY)

In XXXX, my husband and I purchased a XXXX Nissan Pathfinder ( VIN XXXX ). We stratified the loan. We received the title but we never paid attention that on the title it said it had XXXX lien holder. We are now trying to sell the vehicle. The loan company was Triad Financial Corporation. It no longer exist. Please investigate this matter so we can receive a clean title so we can sell the vehicle.
Consumer complaint received 2015-06-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I HAVE BEEN AT BANK OF AMERICAN FOR OVER XXXX YEARS. MY ACCOUNT THERE HAS BEEN CHARGED FROM XXXX A MONTH TO XXXX IN FEE 'S. THE TRICK IS, I HAVE MONEY, I PAY A BILL, THE BILL IS PAID, AND MAYBE A WEEK LATER MY ACOUNT GOES OVERDRAWN XXXX, B OF A WILL TAKE BACK THE MONEY FROM WEEKS AGO, THE BILL I PAID NOW IS RETURNED, I AM CHARGED, MY ACCOIUNT COMES DELINQUENT, FEE 'S ATTACHED, SERVICES SHUT OFF, AND B OF A DOES THIS SO THAT XXXX OVERDRAWN AMOUNT THEY NOW CAN CHARGE ME XXXX XXXX, TOTAL XXXX THEY PAY THEMSELVES. XXXX UP MY ACCOUNT FURTHER, MORE FEE 'S AND I AM SO MUCH WORSE BECAUSE OF IT. 
I HAVE PAID OVER XXXX LAST YEAR ALONE IN SUCH FEE 'S. THEY BLAME ME, BUT 95 % IS THEM.
Consumer complaint received 2024-04-19
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. (KY)

TransUnion Date XX/XX/XXXX, I am writing to bring to your attention a critical issue stemming from the deletion of information from TransUnion 's records and the subsequent failure to comply with XXXX XXXX reporting standards and the Fair Credit Reporting Act ( FCRA ), particularly in relation to FCRA 15 USC 1681i ( 8 ) ( d ). 

On XX/XX/XXXX, TransUnion deleted information related to the Nebraska Department of Health for File Number XXXX. However, despite this deletion, there has been a notable lack of compliance with XXXX XXXX standards regarding the issuance of carbon copy notifications to relevant sharing relationships, including third parties and other consumer reporting agencies. 

This failure to share and send a carbon copy notification to other consumer reporting agencies, such as XXXX and XXXX, has resulted in significant consequences. I have previously disputed the presence of child support accounts with both XXXX and XXXX. Had TransUnion shared and sent a carbon copy notification to them, it is likely that these accounts would have been deleted. 

For your reference, the child support accounts are listed as follows on each consumer report : XXXX : Name of the account : NEBR CHILD SUPPORT XXXX, Account Number # XXXX XXXX : Account Name : CHILD SUPPORT NEBRASKA, Account Number : XXXX This oversight has had severe consequences, damaging my character and significantly impacting my opportunities to purchase a home, purchase a vehicle, and obtain credit. As a result, I am facing substantial challenges in various aspects of my life due to this non-compliance with regulatory standards. 

I am reaching out urgently to request clarification on the steps being taken to address this matter and ensure compliance with XXXX XXXX reporting standards and the FCRA. Additionally, I seek information on the procedures in place to rectify this situation promptly and prevent similar incidents from occurring in the future. 

Please prioritize this matter, as it has had a profound impact on my life and financial stability. Your prompt attention and resolution of this issue are greatly appreciated. 

Thank you for your immediate action and attention
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX, XXXX, & Equifax are reporting incorrect information on the account listed as XXXX there are several inconsistencies which means this account has not been properly validated because its impossible to report XXXX different ways. 

High Balance : {$1500.00} {$1500.00} {$1000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XXXX/XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Type : Home Electronics Sales and Service Miscellaneous Finance Sales Financing Creditor Remarks : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Secured Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2017-10-08
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (AL)

My issue started when I made my {$930.00} rent payment for the month of XX/2016 using my XXXXX The payment went through and I received my confirmation number. A few days later I went in to check my balance and found that the payment appeared to post multiple times to my account, placing my account in a negative balance. Upon verifying the payment amount with my property manager, I immediately submitted a dispute with XXXX to resolve the matter. I submitted documentation from the property manager to XXXX to support the dispute. During this time, my child support deposit for for {$950.00} in XXXX was held ( due to the " negative '' balance ) pending the dispute. The dispute was subsequently approved and the rent payment was reversed from my property manager and I was issued a credit for amount paid in rent, which should have cleared the account to a zero negative balance and releasing my XXXX XXXX XXXX deposit. I have yet tor receive my XXXX deposit. I have been give a runaround for months, even being asked to send in a written request to release the deposit and to also reopen the dispute twice to no resolve. I have requested more than 10 times to get confirmation of the events that are taking place to resolve the matter and also get transaction statements. I have been unsuccessful in each attempt. Each time I call the customer service line to get an update a fee is added to the account. The customer service representatives never know what is going on and I have to explain the issue again every call. I have been told various timeframes in which I will receive my {$950.00} credit, but the credit never gets released. The issue has been " escalated to management '' several times. I am now in my 10th month of waiting on my money to be returned. Please help.
Consumer complaint received 2017-10-08
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: First Data Corporation (MT)

a check cashing service company used by XXXX XXXX declined my check i asked why was told it was not for insufficient funds it was based on risk factors we had a insufficient check a while back that was paid in full right away yet are check writing history was deleted out of the system we have no problems any where else and we can not get a reasonable answer from XXXX
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

My two mortgages were sold to Sun Trust in XX/XX/2021, I was not aware of this re-sale of my mortgage until XX/XX/2021, so I made payments right away after I realized my mortgages was sold to the new lender, Suntrust. I filed a dispute through Suntrust a few weeks ago, my dispute was denied and when I called the dispute center and Suntrust told me they called me and left a message for the sales of my mortgages. But I checked my phone logs and voice messages and it turned out I have never received a call or any voice message from Sun Trust. So I filed a complain about Suntrust and questioned if Suntrust made its best due-diligence to inform me that my loans have been transferred and I had a few missing payments. today I received the response from Sun trust. I will attach the letter here. I have a question about the Sun trust 's response. The company knew that my two loans were newly transferred to them and I have never made any payment since the transferring. The apparent reason is that the borrower might not have received the notification and not aware of the changes. Should Sun Trust make sure to let me know or make sure that I am aware of the transferring? On the letter they said they have made a few attempts to call me but unsuccessfully in reaching me. This is ridiculous! First they told me my late payments wont be reported on my report, and then told me Sun Trust called me and left a voice message to inform my missing payments, and now they told me They have made a few attempts to call me but unsuccessfully in reaching me. I have my mobile phone call logs from XX/XX/2021 to XX/XX/2021 attached here. No one from sun trust even called me for any reason. If sun trust called me please show me which number you attempted to call and when you made the calls. Please provide your proof that you have made the attempts to call me and leave me the voice message..
Consumer complaint received 2016-09-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (AL)

Can someone please explain to me why a Notification of Sale, from XXXX XXXX, in regards to XXXX vs. XXXX XXXX, at al., was included in a response to Case XXXX, page number XXXX, in upload ; XXXX. How exactly does this relate, to my complaint? Whom added it to my file? Why was it added? When was it added? Where was it added? What is location of employee, or representative, and identity of Caliber Rep, whom uploaded this to CFPB, please explain, in detail. 

Did any representatives of your company/ and or investors related, place a bid by email or fax, on my home, previous to foreclosure sale scheduled for XXXX/XXXX/16? Did any representatives of your company/ or investors plan on placing a bid, by email or fax? Did your company/ and or investors related, inform XXXX and XXXX , of any such planned bids if so, what was amount? Please explain how, and why this is/ was done. 

Has your company, or any of its affiliates, ever placed bids on foreclosed homes by email, or fax, in XXXX County? 

Does Caliber, or any its representatives, bid on homes in which they have foreclosed on, by email, or fax? Does Caliber, or any of it representatives, bid on home 's foreclosed by fax, or email, in which other other lenders have foreclosed on? It is clear that XXXX, KY, solicits, and allows such bids. Please list other, municipalities that your company or representatives, have bid by fax, or email.
Consumer complaint received 2016-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Inquiries listed on my credit report ( Transunion and XXXX ) XXXX XXXX CREDIT CARD XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX 3 times, XXXX 2 times, XXXX XXXX XXXX, XXXX 2 times, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, that I did n't ask or apply for, give permission to, or been associated with in any manner. Also have XXXX different address on my credit report that are not my addresses from XXXX XXXX XXXX XXXX XXXX Ga XXXX and XXXX XXXX XXXX XXXX XXXX, Ga XXXX. Employer that I have n't worked for is XXXX and XXXX. 
attempted to get these items removed from report due to identity fraud but all credit companies ( Transunion, XXXX, and XXXX ) would not comply. I explain that my taxes and credit has been tempered with on these items listed above.