davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've reach out to Transunion on several occasions, I'm not sure what's going on but I would like this issue cleared up asap. Transunion is reporting my old XXXX XXXX XXXX loan account 30 past due. This account had not been past due or 30 days also the pay status shows ACCOUNT 30 DAYS DUE This XXXX account # XXXX opened XX/XX/XXXX was paid off in XX/XX/XXXX the pay status should be Current or Paid not 30 days past due ( PLEASE UPDATE IMMEDIATELY ) ..Also, Transunion is reporting XXXX XXXX Acct # XXXX pay status account 120 days past due this account was paid off in XXXX the pay status should be Current or Paid not 120 day past due ( PLEASE UPDATE IMMEDIATELY )
Consumer complaint received 2018-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (GA)

GM financial and XXXX XXXX XXXX. 

GM account number : XXXX Complaint : I had received no notification, by mail, phone, or email. GM did not even have my phone number which is unchanged going back to 1997 or email, but sent a employee of their contract with XXXX XXXX XXXX to reposes my vehicle over a very small amount. I paid the entire amount in full of {$3000.00} the very moment I found about this mess. 
Concern : The employee from XXXX XXXX XXXX frienghted my family, with us calling the XXXX county police on him- which they concurred his behavior set him up for potential criminal liability over harassment charges. I do have him on video. 

My concern is over the entire way this has been handled. The individual from the car retrieval company is fortuantate I did not pursue charges.
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (PA)

I suspect fraudulent hard inquiries on my credit report. I did a thorough investigation and I also filed a FTC report stating the activity I have observed. The inquiries are listed below. 

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (SC)

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 a account without my written instructions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've contacted XXXX directly as well as the credit bureau, my account is filed as closed through XXXX yet is reporting open on XXXX. Also, I have proof of payments yet it's reporting that my payments were late which is completely false bc when I login to XXXX  it shows those months as paid. 

I've called XXXX and disputed it with the credit bureaus and I've been told for months that it'll be updated and it hasn't been. 

This is impacting my credit score very badly.
Consumer complaint received 2020-07-27
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2017-08-11
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. (OR)

XXXX XXXX has incorrectly reported that we missed a mortgage payment in XXXX 2017. This  is completely wrong. I have never missed a mortgage payment and this is injuring my credit score.  XXXX XXXX has shown a pattern of incompetence ; losing our forms, " accidentally '' blocking us from online account access, and being closed at crucial times during business hours. Although our mortgage was thankfully transferred to another company, we are so fed up with them and hope that a penalty can be assessed against them for the stress that they have caused with their false reporting.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

I filed a dispute with Lexis Nexis, XXXX, XXXX and XXXX   involving a public record that is incorrectly reporting on my credit report. It is a Bankruptcy filing showing the " assets and liabilities '' sections inaccuralety. They are required by law ( FCRA ) to report all information on my report 100 % accurately. The assets and liabilities sections both show as {$0.00}. This is incorrect and I disputed the information. They promptly " VERIFIED '' that information. I disputed it again and it was yet again " VERIFIED ''. I asked specifically HOW they verified the item and then sent me some canned letter that told me what they are " supposed '' to do. I don't care about what you are " supposed '' to do, I want to know exactly what they " actually '' did. I received a letter from the Courthouse stating that they " DO NOT REPORT ANY INFORMATION TO ANY CREDIT BUREAUS and I attached proof of this. I also obtained my own court documents had have attached proof showing that the assets and liabilities was more than {$0.00} and that my rights were violated because of Lexis Nexis, XXXX, XXXX and XXXX   refusal to investigate properly.
Consumer complaint received 2020-08-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America recently " updated '' their system " to better serve their customers. '' Part of this update, though, was not done to serve their customers, it was done to reduce customers ' savings on interest after making additional payments towards their principal. Prior to this update, when additional principal payment was made with a regular payment, the " principal curtailment '' was applied PRIOR to the regular monthly payment. This reduced the interest and increased the principal payment proportional to the additional principal payment for that month 's payment. Now, the principal curtailment is applied AFTER the monthly payment which makes the interest savings from the additional payment not apply until the next month 's payment. This is nothing short of a sneaky way for Bank of America to increase their bottom line. Just for my account that takes about {$7.00} out of my savings each month. Spread this across the millions of accounts Bank of America has and they are likely taking millions of dollars from their customers.
Consumer complaint received 2017-08-12
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. (ND)

I am a victim of identity theft. I filed a police report with the XXXX XXXX  Police Department this is the second police report I have made with the XXXX XXXX Police Department in reference to fraudulent and unauthorized accounts, hard inquiries and collection accounts listed on my Trans Union, XXXX and XXXX credit report. The police report case number that 's on file is : XXXX. I been receiving harassing telephone calls and death threats from creditors and debt collection companies in regards to the following accounts and debts that are fraudulent and unauthorized, and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, {$2800.00}, XXXX XXXX XXXX, {$14.00}, XXXX, XXXX XXXX, {$7100.00}, XXXX XXXX XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX/XXXX/2016, XXXX XXXX XXXX, XXXX/XXXX/2016, the following collection account is fraudulent and unauthorized : XXXX XXXX, {$290.00}
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (NM)

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.

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 2022-04-05
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: EQUIFAX, INC. (SC)

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 a account without my written instructions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act on XX/XX/XXXX XXXX XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting act on XX/XX/2020 XXXX XXXX XXXX, Acount # 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 a account without my written instructions
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (OR)

Freedom Mortgage has incorrectly reported that we missed a mortgage payment in XXXX 2017. This is completely wrong. I have never missed a mortgage payment and this is injuring my credit score. Freedom Mortgage has shown a pattern of incompetence ; losing our forms, " accidentally '' blocking us from online account access, and being closed at crucial times during business hours. Although our mortgage was thankfully transferred to another company, we are so fed up with them and hope that a penalty can be assessed against them for the stress that they have caused with their false reporting.
Consumer complaint received 2020-11-23
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. (MD)

On XX/XX/2020 I opened three dispute wit Experian. One account was a credit card I never applied for that had a {$89.00} with XXXX XXXX. I explained this to Experian Dispute Department alone with the fact that I can't get intouch with anybody from this company. 
The next account was to update a pass due balance that still showed I owed {$380.00} when I paid off the full balance and verified it with the company that they received my payment. 
The last account was for a company I never used and dispute that I didnt know this company. 
Two days letter I checked my credit report with experian and they closed all my dispute and nothing was changed. I have these same dispute open with XXXX  and XXXX  and the Dispute are still open. Experian DID NOT CONTACT OR WAIT FOR A RESPONSE FROM THE COMPANIES. THEY closed my dispute without notifying the companies. Nor did I receive any letter, email about why the dispute was closed because they don't want to do there job.
Consumer complaint received 2021-04-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NE)

XX/XX/2021 I show 7 payments for my mortgage coming out of my bank account following 7 reversals. I believe they took my funds to collect interest and returned the funds they took from my bank account! I did not authorize these payments so they did not have permission to take my money out of my account and use it to make it more money for themselves to pay their stock issues! Not okay I authorize one monthly payment online once a month when I make a mania payment every month! This is not okay they violated my bank account to benefit themselves!
Consumer complaint received 2017-08-11
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. (NV)

I have disputed a state tax lien on my credit report with Equifax. The first attempt was denied and stated that the tax lien was reported accurately and they needed additional information. I then filed another dispute with them, this time providing a copy of the letter from the courts, signed by the judge stating that the state tax lien was vacated and withdrawn because I did not live in that state during that tax year. Equifax once again denied my request to remove the tax lien from my credit stating that I needed, even MORE, information like two copies of identification, a copy of my social security card, the letter, and a bunch of other information. I was also informed by the state where the tax lien was originated that they have contacted each of the credit bureaus and informed them that the tax lien was in error and has been vacated and withdrawn. I have sent the letter out from the court ( which includes my social security number on it, so there is no confusion as to who it belongs to ) and the only bureau to give me the run around and refuse to delete the tax lien has been Equifax. This has become extremely frustrating considering I should have never had the tax lien on my report in the first place.
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (LA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VIRTUOSO SOURCING GROUP, LLC. (OH)

Virtuoso sourcing group is harassing me and constantly sending me a settlement proposals for a debt that does not belong to me. They are threatening to put this on my credit report and I had no knowledge this account even existed. This account was opened up at my address without my knowledge nor my consent. When I moved into this property this service was already on and I did not set up any security services at this address. I spoke with XXXX and they said they sold the debt to virtuoso sourcing group and could not do anything so I spoke to this company and let them know I was a victims of identity theft and they refused to close this account they refused to look into this matter any further so now here I am reporting this as identity and I refuse to pay this debt because it is not my debt nor my responsibility! Under the fair reporting credit act law 15 u.s.c 1681g and 15 u.s. 1681 ( a ) ( 4 )
Consumer complaint received 2020-05-23
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: NRA Group, LLC (FL)

This company has no legal, binding contract and has been reporting erroneous information to the credit bureaus illegally. I have been requesting that this company send me evidence that they can legally report this information to the credit bureaus since the beginning of this year. I have given them chance after chance to correct their information and present me with the correct evidence. They have removed the report from one of the credit bureaus but not the others. I have requested validation and not verification for the multiple accounts they have listed sent directly to their company in XX/XX/2020 and still no response. This leads me to believe they have no binding contract and are reporting this information illegally.
Consumer complaint received 2020-05-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (TX)

My name is XXXX XXXX. My customer number is XXXX. I have attempted to speak to a XXXX   regarding my request to reduced my payoff amount since XX/XX/2012. Each time I have called the rep that took my call has stated/offered one of the following response .... 

1. " We do not reduce settlement offers '' 2. " I will transfer you ''.

3. The call is mysteriously ended.

4. Placed on hold indefinitely.

5. " We will get back to you '' I have left several messages with managers without a returned phone call. I have not yet been able to speak to an AVP. This is unacceptable treatment. They have ruined my credit. It shows a charge off and delinquent payments. I am an XXXX  and this has caused me to be denied for business loans, personal loans, credit cards and mortgages. I had to get another vehicle with a high interest rate because of their actions. 

During this time I was in negotiations with State Wide ( the third party insurance company ) attempting to increase the amount they have offered for my totaled vehicle. 
On XX/XX/2012 I received a letter from Santander stating they have accepted an offer that is over {$4000.00} LESS then my payoff amount. I am confident I would have been able to get Statewide  to increase the amount offered as they had not included over {$4000.00} in extra accessories which I have receipts for. 

Now that the your total loss department has prematurely accepted and offer, all negotiations has ceased. 

I am requesting that Santander close out my account in good standing with a {$0.00} balance. 

I can be reached @ XXXX XXXX XXXX I am requesting a response within 24 hours or further action will be taken. 
Best regards XXXX XXXX
Consumer complaint received 2023-01-30
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (AZ)

Well this my second time submitting a complaint on wells Fargo. My previous compliant id being XXXX I can not get a answer on to why they aren't reporting my vehicle loan to the credit bureaus. ( they previous just say suspended but don't give a reason ) I've even tried making a payment late and haven't received a late notice nor any form of communication on their behalf. I have called multiple times and mailed two letters as I were asked to. They had a generic answer with vague detail to my previous complaint. As I have been attempting to open up my own business and have applied to some business loans I want my payments to show on my car. I have been in procession of the car with the loan for 13 months and have nothing to show. Wells Fargo is causing my fiscal harm and won't confess to it. They said they would post the delinquent payments but chose to suppress the prior positive payments. It took me reaching out to the XXXX for them to even make a decision. Wells Fargo is screwing people over on the credit score and causing me fiscal harm. This is unacceptable business practice.