davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (CA)

I lease a XXXX XXXX XXXX, with a lease through XXXX XXXX XXXX. I make the lease payments online. Today, I signed into the XXXX website to schedule a payment. A pop-up notice warned me that starting XX/XX/2018, online payments will incur a {$3.00} fee. The fee is not charged to Auto-Pay customers, who have the money automatically withdrawn from their bank account. This fee did not exist, and was not disclosed, when the lease was signed, and is a material change in the lease contract. I submitted a complaint to XXXX, and am submitting this complaint for your review and action. A screenshot of the fee notice is attached.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I disputed the information from my report because it dose n't belong to me over 3 times and still haven't gotten a response from the company. I want this account removed ASAP.
Consumer complaint received 2021-12-02
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXXXXXX {$130.00} XXXX XXXX {$780.00}
Consumer complaint received 2018-10-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I am filing again a complaint against Navient Student Loan service YOUR bureau is supporting the XXXX XXXX XXXX XXXX ; folks like myself who were DECEIVED by being told if we make the 120 month payments : be eligible for XXXX Forgiveness. Lawsuit states there are MANY flaws in that expectation Also deception with WHY I qualified in every way except Navient 's reason : private loan Read the lawsuit now in force. 

I want to join that lawsuit and I want your help this time in making that a reality You blew me off a month ago, with a lame excuse of nothing you can do Well, THERE IS SOMETHING you can do!!
Consumer complaint received 2022-10-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

IT HAS COME TO MY ATTENTION THAT XXXX OF YOUR ACCOUNT HOLDERS SOLD MY PROPERTY TO ME IN XX/XX/XXXX THE HOUSE THAT I HAVE BEEN LIVING IN SINCE XXXX FOR THE PRICE OF {$30000.00}. HE HAS INFORMATION ABOUT MY RESIDENCE. AND BACK IN XXXX {$30000.00} WAS ADDED TO MY MORTGAGE AND THE SAME AMOUNT OF FUNDS WAS ADDED TO HIS ASSETS ACCOUNT. I WILL NOT GIVE HIS FULL NAME BUT I WILL SAY HIS LAST NAME, I WILL GIVE HIS FULL NAME TO THE CFPB XXXX. I HAVE DOCUMENTS THAT WILL SHOW THAT HE TOOK OUT XXXX OF MY HOME WHEN I KNEW I HAD NONE AT ALL. HIS LAST NAME IS XXXX AND HIS ACCOUNT IS CONNECTED TO TRUIST BANK. AND {$28000.00} WAS TAKEN OUT ON A XXXX OF MY HOME. LOANS HAVE BEEN TAKEN OUT. THE ORIGINAL LOAN BALANCE IN XXXX WAS {$160000.00} WHICH WAS ( XXXX ) AND {$28000.00} WAS FOR LOAN ( XXXX ). I DO NOT REMEMBER TAKING OUT ANY LOANS FOR MY HOME. I KNOW BOTH WERE ADDED TO THE PRINCIPAL OF MY HOME. THE DOCUMENT I HAVE TO SAY THAT IT WAS NEW MONEY AS A MODIFICATION AND THE SIGNATURES WERE FORGED ON THE DOCUMENT. THE MARKS LOOK AS IF THEY WERE ERASED OR SOME WHITEOUT WAS APPLIED AND THEN MARKED AGAIN, IT WAS ALSO STAMPED BY A NOTARY IN SOUTH CAROLINA. THE MARKINGS ARE NOT OF MY DOING. THE DOCUMENT THAT I WILL SEND TO CFPB DOES HAVE HIS FULL NAME ON THE VERIFICATION. I CAN VERY WELL SEE, MYSELF GETTING A TEXT FROM THE STORYTELLER SAYING WE DO NOT KNOW OF ANY XXXX, XXXX XXXX RECORDS DO INDEED.ALL THIS FROM XXXX TO XXXX.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint on dates of XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thank you for your time.
Consumer complaint received 2022-05-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (CA)

National Credit Adjusters retained XXXX XXXX, and filed a civil suit against me for an old debt from 2018. I negotiated a settlement with them for {$2000.00} in exchange for dropping the suit and settling the matter in full. I received a confirmation letter of the agreement, and a paid in full letter from XXXX XXXX yet National Credit Adjusters refuses to update the credit bureau as settled in full, and is instead insisting in their reporting to the credit bureaus that I simply made a payment and still have a balance due. They refuse to work in good faith to correct this and are intentionally lying and negatively impacting my ability to obtain credit as a result. A quick look on their XXXX reviews shows a pattern of behavior that indicates this is a predatory business.
Consumer complaint received 2021-06-23
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. (GA)

To make a long story short I finally decided to start the process of buying a house and not rent because its just costing to much on rent. The bank denied me and I went to look at my credit to see why or if its something small i can handle and I saw alot of things on my credit that is not mine. I filed this with the FTC and I also call the police here in XXXX. I also saw a banktuptcy and I dont know where that even came from. I talked to my friend who is an attorney and called the bankruptcy court and the clerk said I did not have a bankruptcy filed with my social security number and she told me to call another place XXXX XXXX and they said the exact same thing. There are also some student loans and I barely finished highs school so I know I didnt go to college. Here are the accounts im talking about XXXX XXXX, XXXX, US Dept of Ed, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX and the inquries is XXXXXXXX, XXXX XXXX  XXXX, XXXX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. Can someone help me Im doing this by myself.
Consumer complaint received 2024-02-28
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. (NY)

I recently reviewed a copy of my credit report.I was shocked to learn that I had been a victim of identity theft.I found numerous account on my credit report that were not open by me.This has been hurting me as I am in the process of buying a home for my family.Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (MD)

Many times in many places many XXXX  members ID have been refuse and they had emergency to send money to family members in other countries. They have been dicrimanted against. This ifs fraud against a XXXX  American and agasit the law in the United States for Amaerica. This has happen in Ga.Fla. Md. and now we have file a complaint be fore but was lost. We have tried to speak direct to Mr XXXX CEO and have sent certifies letters to him but he has never respond now it is time to lien and sue them for the fraud they have done to our XXXX  members. We have ask for there w-4 from for the irs. also to file complaint no answer. He has staff that are not letting him know many people are being service properly. and this has been going on in XXXX XXXX and XXXX XXXX out let stores.I am the Attorney General for the XXXX  and I don't like our XXXX  members not being service at all. PLEASE USE XXXX THERE OTHER ONE DOES NOT WORK
Consumer complaint received 2020-07-13
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: WELLS FARGO & COMPANY (AZ)

Wells Fargo is reporting a fraudulent debt on my credit report. I am not sure if this is something opened by Wells Fargo ( we all know about that ) or if it was opened by an identity thief not associated with Wells Fargo. What I do know is that from viewing my credit report it looks like it was immediately maxed out and then never paid. 

I have filed a new identity theft report ( see attached ).
Consumer complaint received 2018-02-16
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. (AZ)

I am a victim of identity theft. The following credit inquiry on my XXXX XXXX, XXXX and Experian credit report is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/18. The following address dont belong to me : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX. The following phone number is not mine no more : XXXX
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-01
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: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX, Minnesota debt collector, has filed a derogatory report at Experian for {$14000.00}. I have never heard of this company.
Consumer complaint received 2024-05-29
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. (PA)

I believe FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2022-05-02
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. (TX)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX AND TRANSUNION Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ( Late/Closed : DEPTEDXXXX XXXX Balance {$0.00} ) Collection : US DEPT ED XXXX XXXX {$310.00} ) XXXX XXXX Balance {$120.00} )
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Employers : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2018-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

In XX/XX/XXXX, I went Bankrupt and owed this company, which was discharged. The amount was XXXX, but they continue to add interest charges, until I went bankrupt, by then it was up to over XXXX. So could not use the credit card, which was closed. In XX/XX/XXXX, I married and have a different last name. This company sent me a new card with my new last name, different account. My husband was laid off work, which we had trouble paying our bills and I called and told them this. This company sold both my accounts ( the one discharged and the one under my current name to a debt collector. I paid the one in my current name with nothing owe. However, the debt collector is still sending me letters and reporting to credit unions, even though it was discharged in XX/XX/XXXX. They stated I open the card up in my old name in XX/XX/XXXX! The company would not let me do that! Help me!
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am a victim of identity theft. The following credit inquiry on my XXXX XXXX, Equifax and XXXX credit report is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/18. The following address dont belong to me : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX. The following phone number is not mine no more : XXXX
Consumer complaint received 2022-11-20
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. (GA)

According to the Fair Credit Reporting Act, 15 U.S.C. 1681g ( a ) ( 1 ) ( A ), before any and all accounts you post you are required by federal law to verify all information in my file through physical verification. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see written confirmation of the consent by way of a contract with my wet-ink signature giving consent to the furnisher to communicate with a corporation outside of their corporate control. Under FCRA 15 U.S.C. 1681a ( o ) ( 5 ) ( A ) ( i ) ( iii ) I demand to see Verifiable Proof you have in my file of the accounts listed below. Your failure to positively verify these accounts will hurt my credibility and my ability to obtain credit. Under the FCRA, 15 U.S.C. 1681i ( 5 ) ( A ( i ) unverified accounts must be deleted 1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX # XXXX You have previously verified this account as accurate. However, the high balance amount is not reporting accurately and must be removed from my report. 
Please remove all non-account holding inquiries over 30 days
Consumer complaint received 2022-02-02
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX {$10000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Consumer complaint received 2021-12-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cooling & Winter LLC (GA)

On XX/XX/2021 Cooling and Winter place a claim with the Magistrate Court of XXXX XXXX for a debt that I have no knowledge of. They claim that I am breach of a written agreement. I never receive the initial demand letter giving me the ability to dispute te debt and request validation. I have not been present with a copy of the signed agreement. Per my right under the FDCP I am requesting a validation of debt. I requesting validation of debt by providing a copy of the signed agreement. If unable to provide the copy of the signed agreement within the alloted time provide under the FDCPA, the debt must be consider invalid.
Consumer complaint received 2020-09-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions