davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

The company reported that I did not pay my payment in XX/XX/XXXX. Which I have proof that I did. It also states that it was part of my bankruptcy which it was not. I have been paying on the car. Lease is up in XX/XX/XXXX. Now the company states that I did not pay XX/XX/XXXX bill. Which I did and have proof that I did. They put a negative payment on my credit report. Reported this to company and credit report but it is not getting resolved.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MS)

I was a co-signer on the loan. This car was for my niece. She had an accident and did not want the car and stopped making the payments. I had no idea any of this happened until the company started calling me. My sister contacted the company and told them to come get the car. They did not go get it. My stepfather took the car back to the dealer and they would not take it. The dealer is now out of business and the car has been in the same spot since. 
It has been almost 4 years and this is still on my credit report and is the ONLY thing blocking me from buying a house.
Consumer complaint received 2021-05-31
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. (TN)

I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with XXXX XXXX XXXX with a balance of {$3700.00} and an original creditor of 09 XXXX XXXX XXXX XXXX. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
Consumer complaint received 2021-02-11
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00}
Consumer complaint received 2021-05-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have no knowledge of original debt now hav I been contact by original office saying I owed any amount, all my medical should be covered by my insurance, so I have no idea how I should even owe this, ARS Showed up on my credit report with no attempt to contact me saying I owe this money, I believe my medical information was sold with out my permission and ARS is attempting to collect money fraudulently, which seems to be a common complaint about this company, I have never sign any contracts with ARS saying I would pay them any money, and as per HIPPA my rights have been violated by ars
Consumer complaint received 2018-03-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Recovery Services, Inc. (FL)

Requested verification of debt via certified mail dated XX/XX/XXXX. Today XX/XX/XXXX ( way over the 30 days required by law ) I received a letter with an " application # '' as verification of the debt. This establishment should be aware that per FTC Attorney XXXX XXXX XXXX, that a printout of a bill, application #, or itemized document does not constitute verification.
Consumer complaint received 2022-10-12
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. (MI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-21
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. (CA)

In spring XXXX, a hard inquiry showed up on my Equifax report from XXXX XXXX. After many phone calls, it was determined that my identity was used to open a line of credit through XXXX XXXX for XXXX XXXX XXXX purchased at XXXX. After many more phone calls, I received a letter from XXXX XXXX  saying that my identity was used fraudulently and I was able to close the XXXX XXXX account. 

Even though I have disputed the hard inquiry multiple times with Equifax, they won't remove it from my account and the PDFs they sent with the dispute results are corrupted files, so I cant open them. XXXX XXXX says that they sent a deletion request to Equifax, but as of XX/XX/XXXX the hard inquiry remains on my account. I dont know what else to try. I have proof my identity was stolen, but Equifax wont accept it.
Consumer complaint received 2021-05-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (CA)

I ordered merchandise on sale. I was charged full price and tried to get this corrected by phone to an amount 50 % less, as ordered. I had no luck with this correction, so I returned items. After 3 months of trying to resolve this with the company, they still want to charge me {$100.00} for items I returned due to their error and lack of resolution.. They want me to pay for their mistake for {$100.00}. It includes a late fee, a return fee and interest. All that for items that I returned immediately.
Consumer complaint received 2022-11-17
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. (MO)

I am submitting this CFPB Complaint as a follow up to the CFPB Complaint I previously submitted requesting the removal of the fraudulent accounts and information completely from my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here id the list of accounts and information that should be removed completely from my Credit File 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 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 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/XXXX. If ever you would claim that the disputed items belong to me, please send me copies of proof of verification as a supporting document. In the absence of such document, immediate removal of the disputed items is greatly appreciated.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NV)

Nissan Motor Acceptance XXXX XXXX XXXX XXXX TX XXXX Im writing to dispute a fallowing information on my credit report. It shows as XXXX report : thats {$220.00} past due from XX/XX/XXXX Owed to Nissan Motor. 
My account was closed and paid in full in XXXX when I finished paying my car payment for XXXX XXXX XXXX XXXX. After my last payment I got issued the tittle for the vehicle.

There was no further communication with the Nissan Motor nor did I receive any past due bill.

When I contact Nissan I was devised to contact cfpb and report and dispute the charge.
Consumer complaint received 2024-02-26
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. (MO)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX XXXX XXXX, ( 2 ) XXXX XXXX XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 ) XXXX XXXX XXXX, ( 5 ) XXXX XXXX XXXX. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Scranton Recovery Group LLC (TX)

I have been receiving text messages from the company Scranton Recovery Group ( SRG ). The text messages are coming from a number listed as XXXX and states " Person 's Name you have ignored our chance to locate you, this is a time sensitive matter. Call XXXX file # XXXX. 'STOP ' to opt out. '' I have already opted out and the person listed is not me so today ( XX/XX/23 ) at XXXX, I decided to call into the number and ask who was contacting me. The representative would not advise me the company name, continue to talk over me repeatedly just saying the same phrase over and over again and that he was not going to tell me any information because i was over talking him and that he needed a notice number. Finally he said that was with a company called SRG, when I asked for him to elaborate because I couldn't find it on XXXX he continue to talk over me and I was so frustrated I told him to get XXXX himself. He was over talking me and would only repeat what he had already said and would leave XXXX room for me to speak or respond and when I would get a chance to respond he would immediately jump into talking over me and telling me that he didnt have to provide me his name or the elaborate on the business information for me to submit a letter in writing to remove my contact information from their company since I am not that person. It doesnt state they are a debt collection company in their text message, the representative never disclosed they were a debt collection company, he refused to provide me with any information on the company. Luckily I was able to locate the company name after replying STOP to the phone number that sent me the message again.
Consumer complaint received 2021-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received my credit report and noticed unauthorized activity they should not be reporting on my profile. My information has hacked by a XXXX XXXX data breach
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

Applied for an FHA Mortgage with Rocket Mortgage and asked multiple times for a Loan Estimate from them. Was provided with screenshots and a Loan Summary that was missing information to compare loans. 

Lender is not upfront about the origination charges =, interest rate or APR. There is no way to mortgage shop with the information given. Lender also pulled my credit. Now I have an additional Credit inquiry but no information about the loan details.
Consumer complaint received 2021-07-19
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. (IL)

Once again look at all the previous complaints about Experian I have submitted. They are constantly lying about where they got information and how items were verified. I have disputed 2 Bankruptcies Chapter XXXX # XXXX and Chapter XXXX XXXX with them about 5 times now. They are constantly stating the item is verified. First verified by the courts and I have submitted proof that is not true and then they states XXXX  XXXX. XXXX XXXX has removed the bankruptcies because they can not verify the information themselves. Experian is constantly violating the FCRA. Attached you will find a letter from XXXX XXXX stating they deleted the accounts because they can not verify any information. Experian is constantly changing their stories. If they do not have any documentation in your files to verify the accuracy of these disputed account, then they are suppose to delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report they damaging my credit. XXXX  and XXXX  have already removed these items. This has been going on since XXXX  and I have filed numerous complaints. the next step is the states attorney office as well as a law suit.
Consumer complaint received 2021-02-03
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SN SERVICING CORPORATION (CA)

Security national servicing Corp. Has proceeded to Illegal foreclosure. SNSC is debt collectors as specified in disclosure of " notice of transfer of mortgage servicer '' effective XX/XX/XXXX. But intentionally misrepresent and threatened foreclosure lawsuit on " time barred debt '' as noted on transfer notification as loan matured on XX/XX/XXXX. 

Not a single notorized or executed by bank 'lender officer. 
Trustee is also a debt collector. And failed to even acknowledge the qualified written request. 

Multiple " beneficiaries '' in attempt to confuse and lacking any transparency. " XXXX default services '' trustee sale ''. There's not a single " executed notorized document that reflects legal standing authorized to foreclose. 
XXXX is also debt collectors conspired with SNSC for illegal Foreclosure and false statement. 

Now I'm being evicted out of my home. I've been on XXXX since XXXX. 

As stated my new " lender '' creditor is " XXXX bank as trustee for XXXX XXXX series trust. Which is registered with SEC and then to illegally foreclose on my property which is securities fraud. 

XXXX dated XXXX. Still yet to be acknowledged. And collections without a license. 

Knowing my limited XXXX income and taking the corona virus as an opportunity to make financial gain by falsely recording of illegal documents. Third co-CONSPIRATOR is " XXXX XXXX XXXX '' whom issued me the title insurance '' on an predatory loan dated XX/XX/XXXX ) no trustee as stated on policy. And the alleged " deed of trust '' is completely documentation fraud. Please see ( page numbers located along with my initials ) and my signature is added on completely separate page with only my signature. Which was never signed on any deed of trust. 

My original loan was from XXXX XXXX. ( I have disclosure from thwm stating my mortgage would not be transferred dated XX/XX/XXXX ) bait and switch. And there is no chain of title that could authenticate and authorize this illegal collections ans foreclosure. 

I'm being evicted ( please advise how to proceed ) and needless to say my health condition is taking it's toll. Please help. Thank you.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IN)

Today I tried to get a personal loan with XXXX XXXX they cant pull my report, I called eguilfax says they need to use middle initial still didnt work called again 6 times all differnt answers no fraud alert no block tou have 2 credit files another says three give them pic my drivers license ss and made report XXXX semp and faxed documents said fixed and still isnt I cant get a loan a mortgage nothing send another fax today please help me