davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As a result of the XXXX breach, I have been trying to understand my risk and mitigate them. I 've spoken with all three credit bureaus, and feel less secure than when I started. All three are like mafia businesses : These credit agencies collect our private info without our permission. Then they want to charge us to protect us? And according to the XXXX  agent ( phone call today, XX/XX/17 ), if I sign up for XXXX XXXX, I waive my legal protections in case I end up a victim as a result of their incompetence? 

So, I 'm terrified and would like some protection from these risks. I do n't trust this industry to police itself, please help. 

I also have XXXX XXXX boys ( XXXX, XXXX ). Each company says different things, influenced by state law ( I 'm in Calif. ) and their internal policies : TransUnion says I have to get a court order to put a credit freeze on my XXXX XXXX XXXX. But I can send in an application to note of their files that they are minors. Not sure that would do anything, and do n't they already know that they are minors? 

XXXX says that my boys have to call them for service, that I ca n't act on their behalf since they are no longer minors. This is their internal policy. I thought I was legally responsible for my children! XXXX? 

XXXX says 'do n't worry, since they have n't started financial activities, they will have no credit on a credit report. I do n't need to do anything. Right. 

Dealing with these call centers has been awful. The agents range from haughty and impatient to ignorant. None of them clearly explained my risks and what their services can do to protect me. 

Why is XXXX even in business? They had one job to do! This information is too sensitive to be left to fly by nigh businesses with little accountability to their customers.
Consumer complaint received 2022-04-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (SC)

My income based monthly repayment amount with Nelnet is {XXXX} ; so last year I paid {XXXX}. I received my student loan interest statement for 2021 and {XXXX} was applied to interest.
Consumer complaint received 2020-10-13
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: EQUIFAX, INC. (OH)

I have not been late on this account and I have requested PHYSICAL PROOF of late payments since XX/XX/2020 of this year and have never received such information, please correct payment history. 

Please provide all the people involved in this investigation as well with notarized documents.
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (GA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (AL)

THIS IS A SECOND ATTEMPT TO YOUR EXCESSIVE INTEREST RATE OF XXXX PERCENT!!! THIS IS CLEARLY ILLEGAL. I SEE New York IS ALSO SUING YOU FOR THE SAMETHING Case XXXX. Thank you so much for the detailed response. Im not sure if you recall via phone w/ XXXX XXXX on XX/XX/XXXX @ XXXX I didn't agree to such thing! The company that was working with you " XXXX XXXX '' had took PAGES out of the CONTRACT the was given to me so I was unable to READ ALL OF THE INFORMATION. 

MY DOWN PAY, ENT THAT WAS CONDUCTED ONTO THIS CONTRACT IS ALSO ILLEGAL AND INACCURATE I DIDNT PUT DOWN {$1800.00} IT WAS ACTUALLY {$2500.00}!!!!! 

I DO HAVE EVERYTHING RECORDED WHILE WE WERE ON THE PHONE. AGAIN THAT IS FALSE I DID SIGN A DIGITAL PAD STATING IN UNDERSTOOD WHAT WE DISCUSSED WHILE IN OFFICE. WHICH WAS THE DISCLOSURE FORM. I HAVE BEEN PAYING MY DUES ON THE CAR AND WOULD LOVE TO CONTINUE BUT AS YOU CAN SEE I HAVE HAD PROBLEMS BECAUSE OF THE INTEREST RATE BEING SO HIGH ON A USED 2013 VEHICLE THATS XXXX XXXX XXXX!!!!!!!!
Consumer complaint received 2023-01-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am currently woking with XXXX XXXX XXXX to dispute inconsistencies with my credit report. I have many items that I did not approve and have disputed but the credit agencies refuse to get a full investigation. It seems that the investigation is one sided. The company replies and whatever they say stands. This is not a complete investigation. XXXX XXXX  in particular has claimed to have sent me information regarding the purchase of a debt I owe yet never provided the receipt to show they sent mail. As consumers were are being used. Our complaints with the CFPB are going nowhere.
Consumer complaint received 2018-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VA)

MIDLAND XXXX is actively pursuing this a debt in violation of the FDCPA ( while an investigation is in progress ). This account is showing as derogatory information on my credit reports. Moreover, the date the account was opened has been re-aged ( XX/XX/2016) ; there is also a discrepancy in the amount ( {$840.00} ). Finally, Midland XXXX is fraudulently misrepresenting themselves to be the " assignee '' of XXXX BANK, when in fact they are just debt buyers.
Consumer complaint received 2020-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

A fraudster walk into a Citi Branch in XXXX NY and cashed a {$4300.00} dollar check against my account. The check was drawn on XXXX made payable to my name. I contacted Citibank and the Rep gave me the run around for hours. I then proceed to go to the Branch in XXXX NY and see if I could have the matter resolved. The Branch Manager XXXX authenticated me and verifed my ID. I spent 5 hours in the branch and I am XXXX to avail. I left with XXXX obtaining a reference number for my case and submitting an afffidavit of forge check. Citibank has yet credit my account back for {$4300.00} hunder dollars which their teller allowed to walk out of their insitutation. I ask about a temproary credit as they Citibank know I did not do this and was told I do not have a enough money for that, I am not the type of customer who would receive a temproary credit even thou Citi bank Rep agrees it wasn't me that did this. Please note that I am a XXXX - XXXX MALE XXXX years old.  Becasue Citi bank yet to credit my account I am unable to pay my bills and I am now diliquent. This started back on XX/XX/XXXX when the fraudlent check was cashed against my account. I am looking for Citibank to make me whole refund my {$4300.00} plus late fees on my bills and the {$12.00} dollar fee Citibank charged as the check that was used to obtain the {$4300.00} was stolen from a XXXX client who placed a stop payment on that check. I am writing the CFPB because this morally wrong, and just not right. please help me in case. I can not go to the branch again and sit for 5hours and nothing is done. I can not continue to call Citibank Customer Service and be drop from the call or given the run around.
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: POPULAR BANK (NY)

I am trying to refinance my mortgage from Popular Community Bank to XXXX. We initiated the process of title clearance with Popular bank on XX/XX/XXXX. As per their process, it takes 4-6 weeks. Today is XX/XX/XXXX, two months from the date and they have yet to provide any documentation to XXXX XXXX lawyers so that I can move forward with my refinance. I paid XXXX dollars with a certified check to have this service performed.
Consumer complaint received 2021-06-28
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. (TX)

fair credit report act violations : not mine : XXXX XXXX  XXXX XXXX XXXX, TX 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 2018-09-25
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. (WI)

XXXX XXXX said they verified the bankruptcy through the courts. The courts do not verify any information with any credit agencies or third parties. 

I sent them a letter from the courts that proved this
Consumer complaint received 2018-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WA)

We have our house payment on automatic withdraw from US Bank. Our insurance went up which caused US Bank to have the monthly payment not applied and moved to suspended until the unapplied funds in the amount of {$130.00} is collected- even though they took the money from us but still charged a late fee. We were not notified of this increase, spoke to 2 customer service reps and they would not waive the {$130.00} late fee ( we paid the mortgage - it is on ach ). The customer service reps spoke in an abusive matter not helping. We are never late on a payment this happens every year when the insurance goes up and there is not enough in escrow. US Bank has the worst communication, we had 1 phone call that sounded like a scam. A late fee had already been assessed.
Consumer complaint received 2022-04-06
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. (FL)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau 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 XXXX XXXX XXXX, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2019 Balance : XXXX
Consumer complaint received 2021-07-20
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. (FL)

on XXXX XXXX i got in contact with Experian wrote a dispute DEMANDING Experian to REMOVE 2 collection of : XXXX XXXX  and XXXX XXXX  of my account that are being reported inaccurately they never responded back, I've disputed these 2 collections with the 2 bureaus XXXX  and XXXX and they REMOVED them instantly ..Experian has violated my constitutional rights the list below follow : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( i ) to form a reasonable belief that the user knows the identity of the person to whom the consumer report pertains
Consumer complaint received 2023-01-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am currently woking with XXXX XXXX XXXX to dispute inconsistencies with my credit report. I have many items that I did not approve and have disputed but the credit agencies refuse to get a full investigation. It seems that the investigation is one sided. The company replies and whatever they say stands. This is not a complete investigation. XXXX XXXX in particular has claimed to have sent me information regarding the purchase of a debt I owe yet never provided the receipt to show they sent mail. As consumers were are being used. Our complaints with the CFPB are going nowhere.
Consumer complaint received 2021-06-28
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. (NJ)

TRANS UNION AND XXXX ARE SHOWING LATE PAYMENTS ON MY XXXX XXXX ACCOUNT WHICH WAS CORRECTED BY XXXX XXXX AND UPDATED INFORMATION WAS SENT OUT TO BOTH BUREAUS. THESE LATE PAYMENTS MUST BE UPDATED AND CORRECTED IMMEDIATELY
Consumer complaint received 2020-10-13
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. (OH)

I recently paid off my collection account with XXXX XXXX XXXX XXXX. The agency has now changed its policies when it comes to accounts which are 2 years old. The agency will now delete the account from all 3 credit bureaus once the account is paid in full. See attached file. Equifax did initially remove the account, but has recently added it back to my credit report. It has already been removed from XXXX, and XXXX. I contacted XXXX XXXX XXXX Services, XXXX XXXX XXXX XXXX and they informed me that Equifax added this back without authorization from them.
Consumer complaint received 2021-07-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (TX)

We have submitted all of the paperwork required by Flagstar Bank for a short sale. Flagstar repeatedly tells us that they do not have any of the documents. We have proof of the uploaded paperwork. We have met all requirements multiple times and have lost potential buyers for our home.
Consumer complaint received 2021-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently sent TransUnion a copy of my Police Report & FTC report. Included in the report shows that I have been a victim of identity theft. XXXX is one of the accounts. According to FCRA 605B they are to block item within 5 days instead they placed it under a 30 day dispute.
Consumer complaint received 2020-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Here are the pics for compliant : CFPB # XXXX XXXX XXXX XXXX XXXX XXXXXXXX I forgot to attach the pics.
Consumer complaint received 2019-11-05
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. (FL)

I submitted to Trans Union information showing that I have been an identity theft victim, pursuant to Section 605 ( B ) of the Fair Credit Reporting Act. According to that Section, Trans Union is required to block the incorrect information within four ( 4 ) days of receiving my dispute, unless Tran Union provides me with specificity from the Section a legal reason why the information is not blocked within the allotted time. Instead of following the law, Trans Union deliberately chose not to block the information and allows it to continue to be viewed by potential creditors who have requested my credit file. The information, including fake names, fraudulent accounts, wrong addresses, unauthorized inquiries requested to be blocked under the Section are  attached hereto. Specifically, I requested that Trans Union use my correct, legal, and only name XXXX XXXX ; my address as XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, Florida XXXX ; my former Address XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ; my current employer XXXX XXXX, and NO former employer.
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management has been showing in my XXXX report with a debt of XXXXXXXX XXXX 
Obviously, this is an identity theft case that is giving me problems. Your help will be greatly appreciated in solving this matter. 

XXXX XXXX XXXX Email ; XXXX Phone ; XXXX
Consumer complaint received 2018-09-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC (GA)

I'm filling this complaint because XXXX XXXX XXXX because i had a car with them that was repossessed with them do to job cut backs in XXXX. I called them back in XX/XX/XXXX and i was told they no later have the account in their office. I was told to call XXXX XXXX XXXX that's who they sold the account to. I called them and i was told the account was inactive on XX/XX/XXXX and couldn't give me any details on the account that i should call XXXX XXXX XXXX for more account information. Once again i called them and they are still telling me contact XXXX XXXX XXXX for further account information. I called XXXX XXXX XXXX again and they keep telling me to call XXXX XXXX XXXX they both are giving me the run around and both companies are not claiming the debt so i feel like it needs to be removed from all 3 of major Credit Bureaus. When XXXX  repossessed the car they came to a shopping center and took the car when i was in the store and i never received any paperwork from XXXX  after they picked the up. I sent certified mail to XXXX XXXX XXXX on XX/XX/XXXX and i never heard back from them. I called XXXX   again and the lady was really Rude to me and she told me to stop calling they no longer have nothing to do with the account anymore and to call XXXX XXXX Solutions and hung up the phone on me. XXXX has the account on all 3 Major Credit Bureaus showing the open but on the credit bureaus its shows Charged off as bad debt profit and loss write-off. This account should not show a pass due balance and all 3 credit bureaus show different high credit limit amounts and different open dates as well. XXXX is still updating this account with remarks and well which is affecting my credit score. 

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Consumer complaint received 2017-12-27
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: EQUIFAX, INC. (IL)

Contacted XXXX, equifax and XXXX on XX/XX/2017 regarding an collection account that is invaliding reporting ; I do not have a contract with this company the reporting is a HIPPA violation and its is reporting multiple times XXXX XXXX is reporting to bureaus 5 times with different account numbers however same amount.
Consumer complaint received 2018-09-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Skopos Financial, LLC (TX)

I am trying to contact this company to correct some information on the credit status and information pertaining to the debt. they are unreachable XXXX XXXX XXXX XXXX XXXX other # XXXX neither is a good phone #, their fax just rings and rings. How can I resolve this issue if they are unreachable? and why so many law suits against them? I've been seeing so many Texas residents in a class act lawsuit against them. How am I suppose to pay this company and fix my credit if this all going on. why hasn't anyone done anything about this?
Consumer complaint received 2017-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Contacted transunion, XXXX and XXXX on XX/XX/2017 regarding an collection account that is invaliding reporting ; I do not have a contract with this company the reporting is a HIPPA violation and its is reporting multiple times XXXX XXXX is reporting to bureaus 5 times with different account numbers however same amount.
Consumer complaint received 2023-02-08
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX