davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-13
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: CCS Financial Services, Inc. (PA)

Three months into my car insurance plan they contact me and say they charged me the wrong price and tried to charge me with back payments to the current plan. Basically saying it's mt fault they the made an error after I done paid 3months of the policy already to charge me more I only had the the policy 4months three of those months I paid the 4th month when they informed me of wrong pricing the policy was canceled cuz I went to another insurance company policy was canceled so I don't owe these people for a mistake they made 3months into the policy I didn't call to make any changes so how could the price change 3 months into the policy and expect me to pay the back payment of that were already paid that they decided to charge me more for after 3 months
Consumer complaint received 2022-04-26
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. (NJ)

This company is fraudulently reporting a late payment on my credit report. This company offered me COVID Forbearance which I accepted for a period of 3 months. At the end of the forbearance period I voluntarily resumed making normal monthly payments and then shortly after paid back the 3 months due for the forbearance period. This company has ruined my credit and refuses to acknowledge their mistake. They claim that I needed to physically sign documents to get off the forbearance program even though they allowed me to enroll without physically signing anything and just enrolling online. I have supporting documentation from my bank indicating the constant monthly payments to this vendor. I need them to remove this false late payment claim off of my credit report. I contacted them several times to remove the false late payment and they refuse.
Consumer complaint received 2022-02-18
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)

According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way TransUnion are furnishing my information. I am aware there are various federal laws in place to protect me as a consumer and to construct this business transaction. TransUnion CAN NOT report/treat a payment on an open ended credit plan as late for any reason. Please refer to 15 USC 1666 ( B ). I also would like to bring forth another law ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give TransUnion PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX such authority . 
TransUnion 's apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings TransUnion have listed on my consumer report. As I have contacted XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX  XXXX, # XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX 3. XXXX  XXXX, # XXXX, XX/XX/XXXX
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivables Performance Management, LLC (NC)

XXXX Account : {$110.00} Reported to collection agency Receivables Performance Removed from Receivables Performance in XXXX. 
Account was paid on XX/XX/2021 directly to creditor XXXX. 
2nd Collection Agency XXXX XXXX XXXX XXXX was added to credit report on 2/3 after account was paid. 

Credit reports now reflect 2 different agencies attempting to collect the same debt from XXXX after it has been paid. 

Reached out to XXXX to have collection agencies removed immediately and waS told I had to wait until they updated meaning my credit will have 2 negative/derogatory accounts for the same creditor.
Consumer complaint received 2023-01-30
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. (NJ)

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. XXXX XXXX XXXX XXXX - XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXunt : XXXX 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 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to dispute the following information that Capital One supplied to XXXX, XXXX, and XXXX. 

This item in question is a Capital One account that was opened XX/XX/2017 with a credit limit of {$1300.00} is inaccurate because it was reported late and charged off. I have proof of the payments made in the months in question. I am requesting that Capital One have the items removed and adjusted. I was about to get copies of my past banking statement from months in question, showing the payments were made on this account to Capital One. Payments are highlighted on my statements. 

Enclosed are copies of banking statement supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete and correct the disputed items as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALEXANDER-ROSE ASSOC, INC. (PA)

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. 

, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX : XXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX : 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 an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish and 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.

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.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

XXXX XXXX XXXX received a XXXX - 1099-c from Bank of America indicating that a credit card had been discharged in the amount of {$2900.00}. As I could not remember having a credit card in the last 10 years with Bank of America. I contacted them for more information. Bank of America customer service stated that the card was opened in XXXX and the last payment on the card indicated on the form, joint with XXXX XXXX with the last payment made on the card was in XXXX? The credit card number is XXXX, and the date of the identifiable event was XX/XX/XXXX. I had not received any communication over the years to indicate that there was an outstanding balance, or that the account had been charged off. Nor was I given the opportunity to remedy any past due balances. My wife XXXX pulled copies of our mortgage that included a copy of our credit report from XXXX. Upon review of the credit report, there are 2 credit cards reported for Bank of America. Once was opened in XXXX, # XXXX and in XXXX was reported as delinquent, and does not match any of the numbers listed on the 1099-C. This card also does not match any of the information that Bank of America provided me over the phone. The second Bank of America Card # XXXX, opened by XXXX in XX/XX/XXXX and had no balance on the card in XXXX of XXXX. Neither of these cards are reported as being joint cards. I would think that if the credit card number reported on the 1099-C would have the four numbers reported on the credit report someone in the credit card number line up. Neither card four digit number reported on the report in XXXX appear in the 1099-c account number. There are no other credit cards for Bank of America reported in XXXX that was opened in XXXX as a joint card with XXXX. I have highlighted the two Bank of America Accounts on the XXXX report. I also pulled my free credit report and there is no Bank of America Card listed as a charge off. I also have obtained copies of my credit report from other creditors and this account has not shown up as a charge off or an open account in the past 2 to 3 years. I don't believe this is our card and don't feel that we should have received this tax statement or that is should have been reported to the IRS as additional income. If Bank of America can provide the application with our signatures and tell me which account it matches up to on our XX/XX/XXXX credit report, then I will gladly claim this discharged debt as income.
Consumer complaint received 2019-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The situation happened on XX/XX/XXXX there was a fraud check was put in my Bank of America account for XXXX $ and my ssa check was deposited on the 1st and didnt post until the third  and now my account has a bunch of fraud checks in it. Its over drawn by XXXX $ and it was all done by individuals that I have stolen all my personal information and they have been doing this for years. And I have made several different reports and nothing has been done about it. I have made police reports and irs fraud reports and social security fraud reports and bank fraud reports and none of this places are doing anything to fix the issue.
Consumer complaint received 2019-06-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CO)

Repeated robocalls left on my voice mail on XX/XX/XXXX & XX/XX/XXXX & XXXX & XXXX. 
There has been no contact at any time by any creditor concerning any debt owed. 
There has been no contact with the debt collection company other than the repeated robocalls. The robocalls do not identify the debt, the debtor or the creditor. 

The following is the repeated robocall message left on my voice mail which I consider harassment. 

" This is an important message from Pioneer Credit Recovery. The law requires that we notify you that this is a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. Call us back today at XXXX. ''
Consumer complaint received 2021-11-10
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: ALLY FINANCIAL INC. (MN)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2020-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a federal protected consumer and the following adverse actions have been committed IN accordance with 15 USC 1681 by the consumer reporting agencies : 15 USC 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Transunion did not receive written instructions form the consumer ( me ) to furnish any of my information to creditors or debt collects or allow any corporation to put anything on my Consumer report.

I sent an affidavit of truth the the CEO of Transunion requesting a sworn affidavit by me the consumer given Transunion written permission to furnish any information from my consumer reports to any corporation or allow any corporation to furnish any information to my consumer report. Transunion did not respond properly. AN affidavit can only be rebutted by an another affidavit line by line. 

15 USC 1681a ( d ) ( 2 ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card ( SSN card ) or similar device ; Transunion has allowed corporations to furnish inquiries on my consumer report which is looked at as an authorization and the law clearly states that authorizations are an exclusion. A credit transactions and or experience between the consumer ( me ) and the person ( corporation ) are an exclusion as well Transunion has committed these actions against me, the consumer and this has caused financial injury and ruined my reputation and my credit worthiness. Transunion is civilly liable for each action committed against me
Consumer complaint received 2021-05-03
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. (MD)

I XXXX XXXX have sent a ftc report to each bureau. Along with various letters asking for validation of debt by providing the original contract with my wet signature. Nothing have been provided or removed.I demand that each account listed is removed. The only one that can validate any debt is the consumer ( I am the true original creditor ). I do not validate any of these accounts.
Consumer complaint received 2021-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (FL)

Our mortgage company, Guaranteed Rate, made a premium payment of {$4600.00} to XXXX XXXX for homeowner 's insurance in XX/XX/XXXX in error ( see attached escrow statement ). They paid this premium for a policy that is not on a property on which they hold a mortgage. This policy is almost double in cost of what our actual policy is on the property that they hold a mortgage. The premium that they paid ( {$4600.00} ) is for the policy which we have on our primary residence, and we do not hold a mortgage with them for this property currently. The property on which they hold the mortgage is our vacation home. In short, they used our escrow money to pay a premium for a property that is not tied to this escrow account. 

I received a check from XXXX XXXX for {$4600.00}, as I had already paid the premium for our primary residence ( we do not have a mortgage on this home ). I had to call more than 15 times to get this error corrected beginning on the date that I realized that they paid the wrong premium. I was told that they did not have the declaration pages, which is not possible as we provided those at closing in XXXX of XXXX. 

After making the payment to the wrong company, on XXXX, Guaranteed Rate 's escrow department recalculated my escrow based on this erroneous premium ; resulting in my mortgage payment being increased by 40 % from {$1800.00} to {$2500.00} ( see attached monthly statement ). I received this notice in XX/XX/XXXX. 

I re-deposited the {$4600.00} back into my escrow account on XXXX, upon Guaranteed Rate 's direction. I called on XXXX to request that they recalculate my escrow, and they informed that they would do this immediately. As of XXXX, when I spoke to a supervisor, they still not had done the recalculation. 

The actual homeowner 's insurance premiums that will be due in XX/XX/XXXX are {$2600.00} in total, substantially less than the {$4600.00} that they used in their escrow recalculation. The increase in my mortgage payment is based on paying them back for last year and then the projected payment of {$4600.00} for next year ( both of which are incorrect ). 

I have spoken with multiple people, including supervisors, and they have told me that they can not adjust the new payment amount for a few months as that is their policy. Being that this is their error, I expected them to correct it immediately. I can not manage a 40 % increase in my mortgage payment due to their error and asked that they revert the payment amount to what it was until their error is rectified. That has not happened and the inflated payment is due XX/XX/XXXX I am asking for assistance in getting this matter resolved, so that my XXXX payment is what it should be based on accurate data. Currently, the payment amount is incorrect based on the egregious error that Guaranteed Rate made in paying a premium for a policy not held on the property for which they hold a mortgage currently.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Equifax must read this complaint and respond accordingly, otherwise a lawsuit will be filed. 

This must be addressed immediately. The other two major credit bureaus ( XXXX and XXXX ) have correct information but Equifax continues to exhibit laziness in addressing the issue. 

Equifax has wrongly updated old student loan accounts to include new missed payments when these student loans have been CLOSED for about a decade and should not even be on the credit report at all. The date of first delinquency is well over 7 years ago. Not only should there not be recently missed payments, but they should be removed from the entire credit report by now. 

The following closed student loan accounts are all over a decade old yet keep reappearing on my credit report as new missed payments for each month. Equifax has refused to correct this issue and remove these accounts, rather they keep adding new missed payments even though they are closed. According to the FTC, they must be removed as they are too old to be on file. Remove these from my XXXX credit report immediately. U S DEPT OF ED/GSL/ATL Date Opened XX/XX/XXXX U S DEPT OF ED/GSL/ATL Date Opened XX/XX/XXXX U S DEPT OF ED/GSL/ATL Date Opened XX/XX/XXXX U S DEPT OF ED/GSL/ATL Date Opened XX/XX/XXXX U S DEPT OF ED/GSL/ATL Date Opened XX/XX/XXXX U S DEPT OF ED/GSL/ATL Date Opened XX/XX/XXXX U S DEPT OF ED/GSL/ATL Date Opened XX/XX/XXXX Fed Loan Servicing Date Opened XX/XX/XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Fed Loan Servicing Date Opened XX/XX/XXXX Fed Loan Servicing Date Opened XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-10
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. (AL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$21000.00}, XXXX  XXXX XXXX Balance : {$500.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$780.00}
Consumer complaint received 2021-05-01
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. (FL)

I disputed a negative account with Experian. The creditor is with XXXX XXXX and they havent resolved my dispute internally, yet Experian has said there is an update to my XXXX XXXX XXXX account. Experian continues to report false information. Experian continues to violate my rights to receive due diligence from my creditor that I have an dispute with. Experian should not be able to update an account unless the credit answers for them to do so. Experian is the only company that practices this way. In this climate Experian needs to be more transparent with how and whom they decide to update in 15 days. XXXX XXXX is still investigating so why did Experian make a decision against me. I feel violated and I know somewhere down the line Experian tactics will be exposed.
Consumer complaint received 2020-09-13
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. (NJ)

I have been having problems with Equifax reporting correct information on my credit report and everyth9ng on the report is incorrect as the dates of reporting n. no new information reported for 5 months since XXXX. This is not correct as it is on on my XXXX  and XXXX  and hindering from getting loans and other such financial products.