davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
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. (TX)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I disputed charges from an airline about two tickets purchased on XXXX XXXXBoth charges for {$280.00} each were take off while capital one was waiting for merchant to respond. On XXXX I call when both charges were re-billed on my credit card.The lady at capital one said the merchant waited too long over 180 days to respond back, and that I will be getting a credit for both charges.I called back 15 days later to say I haven't received the credit .and was informed the dispute wasn't resolved.They said merchant response was lost in there computer, and that the 90 day rule won't be use.I advised I was going to file a complaint with the CFPB.
Consumer complaint received 2020-10-21
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: EQUIFAX, INC. (NJ)

I have disputed 30 days late report from XXXX XXXX financial department to all my credit bureaus, tis report came in 50 days ago, since then i have received letter from the creditor that i have provide it to all the bureaus, the letter is stating that was no 30 days late on my XXXX   lease. 
XXXX XXXX finances provided information to all the credit bureaus notifying them of the error, and yet my credit report was never updated in all of the bureaus. 
Please help me, thank you, XXXX
Consumer complaint received 2020-06-02
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$57.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} COLLECTIONS XXXX {$120.00} XXXX/XXXX   XXXX {$190.00} XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX {$6000.00}
Consumer complaint received 2019-05-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

In XX/XX/2018 we contacted XXXX requested the balance to a company credit card so we can pay off the credit card, they provided payoff amount and we paid the full amount and account was closed. XXXX one months later charged interest to the account, we have no knowledge of the interest charge an employee of the XXXX  should be made us aware. this interest became late and we received no notification of being charged or being late, so this charge became 60 days late which is negative affects my credit report. XXXX should have notified us of additional interest and should have notified of new invoicing and late, they claim they sent it via email, we did not receive any email, I requested XXXX  to provide proof and they could not provide. Before negatively affecting credit report they should have mailed us a letter a phone call. when they solicit us for a new card they can reach us 50 different ways but they cant notify prior to affecting my credit. The other issue this card and charges belong to my employer, not me, I have disputed this issue with them on three occasions twice though Experian and once direct with them and their response has not helped at all.
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion has placed a security freeze / fraud alert on my credit file without my express written or verbal authorization. Which has hendered my ability to be approved for credit, receive credit line increases, etc.
Consumer complaint received 2020-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have disputed 30 days late report from XXXX XXXX financial department to all my credit bureaus, tis report came in 50 days ago, since then i have received letter from the creditor that i have provide it to all the bureaus, the letter is stating that was no 30 days late on my XXXX   lease. 
XXXX XXXX finances provided information to all the credit bureaus notifying them of the error, and yet my credit report was never updated in all of the bureaus. 
Please help me, thank you, XXXX
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc. (OH)

Hello - I was signed up for experian credit reporting as a result of a data breach, at the end of the free year i began being automatically billed by experian. I have repeatedly asked and emailed to have this service turned off but i keep getting billed for it. 
I first noticed the charges on my account in XXXX, I called on XX/XX/XXXX and was advised to also send an email, I also submitted an email that day and recieved verification of cancellation, I am still recieving these charges.
Consumer complaint received 2020-10-21
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: MIDFIRST BANK (NC)

On XX/XX/XXXX I closed the sale on a property I owned which was financed by Midland Mortgage and with in a few days ( XX/XX/XXXX ) I received the sale proceeds from Midland. 
In the process of applying for a XXXX XXXX XXXX refinance on another property several weeks later in early XXXX I noticed that the outstanding debt on my credit report was still about {$150000.00} higher than it should have been and to my surprise the payoff in early XXXX was still not showing a month later as having been payed. 
Ironically I had used mortgage payoff disbursement proceeds from Midland Mortgage to pay down {$24000.00} on my XXXX XXXX and it was showing paid off the very next day in early XXXX. 
I filed complaints with both XXXX and XXXX  and they both reported back in mid -XXXX ( XX/XX/XXXX ) that the Midland Mortgage loan was still showing open. 
I again called both XXXX and XXXX and they advised me that the Midland Mortgage account still showed open based on Midlands latest report to them. 

There in lies the problem, if my loan had been paid off one week earlier In XXXX, Midland would have forwarded their monthly report on XX/XX/XXXX ( less than 20 days ) to the various bureaus, but one week later they dont report until XX/XX/XXXX. 
So when I called on XX/XX/XXXX the Midland report of the loan payoff ( XX/XX/XXXX ) had not yet been able to hit the XXXX files. 
So a full 41 days after my payoff my credit score still showed a full {$130000.00} more outstanding debt than it should. Therefore my full outstanding balances was {$410000.00} or a full 33 % higher than reality. 
I could never know how the credit union scoring system works, but certainly 33 % debt can only improve my XXXX SCORE ( by XXXX points ) AND earn a lower interest rate on my VA refinance! 
I dont know what advantage slow reporting of payoffs gives to banks. After all its really just computers programmed to report to other computers. Maybe a bank shows more loan assets for longer. Certainly it cant just be sloth! If XXXX reports in one day, or I can pay a mortgage from my bank to XXXX electronically in XXXX day ; Midland can report my {$130000.00} payoff to all credit bureaus within the same period. AND NOT ADVERSELY EFFECT CONSUMER CREDIT REPUTATIONS AND SCORES! 
All creditors should be able to report credit status twice monthly! If not daily like XXXX XXXX
Consumer complaint received 2020-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC (MA)

Northstar Location company keeps calling myself, my son and my daughter about my other daughters debt. Informed the company to stop calling us about the debt and it is there job to find the person. Told them to not call anymore and they called again today.
Consumer complaint received 2020-07-21
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: EQUIFAX, INC. (AL)

I am both disappointed and frustrated at the lack of due care of my credit profile. This entire process has revealed both incompetence and straight-up lies. I have filed several disputes directly to your agency and through the CFPB. Yet you continue to post an erroneous bankruptcy. 
XXXX XXXX  Your response to my dispute is that you investigated the matter and that the information is coming from XXXX XXXX. You are either lying about investigating or you are lying about the results. XXXX XXXX has REMOVED this Bankruptcy because they have admitted this was a mistake. I sent you the letter in the first CFPB. I am sending it again. Attached : XXXX XXXX report FCRA 609 ( e ) Since you will not correct this matter professionally, I had to file a formal police report to exercise my rights under the FCRA. This error is hindering me from obtaining new credit and thus causing me much hardship. Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 ( e ) I request that this public record and all accounts associated with it be blocked from my consumer credit file. I do not want you to put any freezes or alerts on my credit report. I do want you to send an updated credit report with FICO score once this is resolved. Please do not continue to stall. I am very litigious and represented by Attorney XXXX XXXX both personally and professionally. I am 100 % willing to work with Equifax to resolve this matter as soon as possible. 
Best Regards, XXXX XXXX
Consumer complaint received 2022-04-05
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: EQUIFAX, INC. (CT)

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-09-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mercedes Benz Financial Services (CT)

I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX XXXX. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX financial took cash. The finance charge is suppose to include insurance, but XXXX XXXX XXXX XXXX made me purchase insurance seperately. 
I a consumer in fact, agree with The Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 usc 1692 ( e ) Take Notice that Pursuant to 15 usc 1692 ( a ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you XXXX XXXX XXXX XXXX XXXX XXXX, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 usc 1692 ( a ) as any natural person allegedly obligated to pay any debt. 
Take further notice that I am the true creditor Pursuant to 15 usc 1692 ( a ) which clearly states that a creditor is any person who extends credit creating a debt therefor I a consumer created the debt via my extension of credit XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-30
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (SC)

OneMain Financial, The Law Office of OneMain Holdings , Inc., OneMain Holdings, XXXX XXXX, or one of it's affiliates have received certified well-documented mailings for Validation, Non-Response, Cease and Desist requests. Each request has been ignored and as a result the account remains on my credit file. 

I have included one of the letters in the attachments
Consumer complaint received 2022-04-05
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. (IA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX COMPANY ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX THE XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

During Covid 19, Wells Fargo offered relief to consumers for up to six months with options on how to reconcile missed payments. I utilized three months ( XXXX, XXXX, and XXXX ) worth of loan relief. I called in the second week of XXXX to make sure I was taken off the loan relief, make a payment, and to request the balance be moved to the end of my loan. This required some notarized documents, which were received approximately XX/XX/2020. 

I payed my XXXX, XXXX, and XXXX payments. However, I was supposed to be contacted by a notary which did not happen until the second week of XXXX. While waiting on the notary, I had contacted the executive office and they explained I could use any notary I wanted so I found a notary and sent the documents off by XX/XX/XXXX, BEFORE the Wells Fargo notary ever contacted me. 

I have made my payments timely, completed all requirements asked of me but they are not applying my timely payments. They are taking the money and logging a past due amount for XXXX through XXXX. If they are taking my money, how am I past due? It took them a whole month to get me the papers, another month ro get the notary to contact me, and now I am going on a third month waiting to hear back from them while they hold my payments XXXX. There is no excuse for this. This pandemic is an extraordinary circumstance and they are taking advantage of people.
Consumer complaint received 2023-03-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

It's multiple Reasons to this complaint This debt collector has broken several laws Garniisgjing Exempt funds Did not properly notify me Sue for Old debt 15 plus, years old Debt is not mine or incorrect information This collection needs to be shut down for these unlawful misconduct actions
Consumer complaint received 2020-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (OR)

On XX/XX/2020 I received a letter from XXXX XXXX XXXX which described a bill in the amount of {$1100.00} for equipment that was purchased using My identity but shipped to some place other than my address. I explained that I did not order or receive services from XXXX and someone used my identity fraudulently to make this purchase. They asked me to make a police report which I did to the XXXX XXXX  police dept. To my surprise This amount was turned over to collections XX/XX/2020. I called XXXX  and they said I had a XXXX Balance it was not them since I had disputed the matter. I researched and found receivables performance management was the company that XXXX used to have my account sent to collections. I have tried to call and they don't want to talk with me. I have placed a freeze on my credit to eliminate this problem from happening in the future however I still have a collection debt showing on my credit for which I had nothing to do with and do not owe this debt due to identity theft. As a resolution I would like the collection removed completely from my credit records as if it had never happened.
Consumer complaint received 2022-04-05
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: EQUIFAX, INC. (IA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX COMPANY ) XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.