davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (NJ)

Under the Loan Details tab of my account with Specialized Loan Servicing, XXXX appears the following message : Specialized Loan Servicing does not report payment history to the credit reporting agencies for the transfer month and two subsequent months. The servicing of this loan transferred to Specialized Loan Servicing on XX/XX/2021. 
During the first or second week of XX/XX/2021, I received a Welcome letter dated XX/XX/2021. My mortgage payment is due the first day of each month, so it is not possible to pay the correct servicer when the Welcome letter was mailed only a couple of days before my mortgage payment due date. Listed below is an excerpt from the Welcome letter. The second sentence and last sentence of the first paragraph contradict XXXX another and the second sentence of the first paragraph contradicts the second paragraph. 
The servicing of your Mortgage XXXX for the property address listed above has been transferred, effective XX/XX/2021. This means that after this date, a new servicer will be collecting your Mortgage XXXX payments from you. No other terms of your Note and Mortgage will change. XXXX XXXX XXXX will stop accepting payments received from you after XX/XX/2021. Specialized Loan Servicing LLC ( SLS ) will collect your payments going forward effective XX/XX/2021. 
Please send all payments due on or after XX/XX/2021, to the following address : Specialized Loan Servicing LLC, XXXX XXXX XXXX, City of Industry, CA XXXX Posted payment XX/XX/2021 yet the statement dated XX/XX/2021 does not show the payment and the amount due is two times the monthly mortgage payment. 

The previous Servicer and Specialized Loan Servicing, LLC both reported to the credit bureaus that my mortgage balance is approximately {$330000.00}, so the credit bureaus listed my mortgage balance at approximately {$660000.00}. My credit score with each of the three credit bureaus decreased XXXX to XXXX points and decreased on credit card websites XXXX to XXXX points. I contacted the Specialized Loan Servicing, LLC Customer Service Department. The employee escalated to another employee. I explained the issue to the employee that received the escalation. Her response was a giggle and stated no big deal, it will be corrected next month. 

Specialized Loan Servicing, LLC informed me they do not have an impact on my credit score and they did not report any information to the credit reporting agencies until XX/XX/2021, but I have attached contradicting information. I provided this information to Specialized Loan Servicing LLC, which they ignored and continue to state they did not provide information and will not respond any further.
Consumer complaint received 2024-11-06
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. (GA)

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL 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 relate. 

I, XXXX XXXX XXXX never gave Transunion any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : 1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX XXXX Account Number : 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX : XXXX, XXXX of XXXX XXXX. There is no XXXX party submitting documents on my behalf! Hello XXXX XXXX! Youve stated XXXX XXXX XXXX that you guys confirmed my account did not have any payments made for the months of XX/XX/XXXX through XX/XX/XXXX when IN FACT the account was paid in full the moment my credit card pursuant to 15 USC 1602L was accepted. You also said youve confirmed there were payments made to the account that were less than the required minimum amount. & enclosed my XX/XX/XXXX through XX/XX/XXXX billing statements and collection letters, which reflect the delinquency progression on the account. XXXX XXXXXXXX, Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave You, XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. You have caused severe stress and anxiety due to the abusive and unfair practices. Please see Attached documents for Exhibits!
Consumer complaint received 2021-08-10
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: CNG FINANCIAL CORPORATION (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2022-07-18
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

this company LVNV FUNDING LLC clams i have a account Seriously past due date /owed balance of $ XXXX assigned to attorney, collection agency, or credit grantor 's internal collection department and yet still reporting negative remarks on this account. This is a formal notice that your claim is disputed. you have false, inaccurate and incomplete information reporting on my credit report including but not limited to incomplete account number. I have been treated poorly, and financially hurt due to these issuesi recently got a copy of my credit report and i am shocked to see fraudulent information being reporting on my report wish has decreased my credit score wish has finaicailly hurt me! i am super upset because this has gotten me denied for a car that i need to get to and from work wish not i have been fired wish not im not even ablle to take care o me family. i need this issue fixed as fast as possible!
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

This is regarding the Amazon Store Card ( credit card that gives rewards for purchases on amazon ), which is managed by Synchrony. Often when trying to log in to their website to make a payment I am unable to access the account, and it is left at a blank screen. Additionally, several times the website has been officially down ( the landing page indicates they are doing maintenance and it is unavailable ) for several days. In my view this is unacceptable and borderline illegal for a credit card company because it makes it challenging to make payments for the credit card. I have yet to miss a payment, but it is only a matter of time at this point, and I have no doubt that there are customers who have been forced to make a payment late due to this unreliable website. Attached is an image of the website after logging in - notice that the website is not loading, it is finished loading and the page is blank.
Consumer complaint received 2022-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MN)

XX/XX/2022, I received a text message from Chase bank, XXXX, saying XXXX dollar XXXX transaction was attempted on my account, did I approve yes or no. So I responded no. I then received a phone call from the same XXXX which is Chase 's number saying they were the fraud department and that they see that my account was hacked through XXXX. They stated in order to reverse the hack, I needed to change the information in my XXXX, and follow some steps so they can trace the scammers. The XXXX was listed under a name called XXXX, to XXXX XXXX, and they ended up taking XXXX out of my account. I called the number back immediately, and asked if I was contacted by the fraud department, and they didnt see any fraud alerts on my account. They knew immediately that I was scammed and my account was hacked into. After numerous complaints and calls, Chase bank refused to abide by the federal law that states that if customers get scammed they are authorized to refund them. They never started an investigation on this matter, and it comes to find out that others were also victim to the same scam. This is the fault of the banks with a lack of security for our accounts.
Consumer complaint received 2022-03-07
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. (CA)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax 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 the creditor, as willful negligence and non-compliance with federal statutes. Please remove the is account completely from my Credit Reports : XXXX OF XXXX XXXX
Consumer complaint received 2023-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (PA)

XXXX XXXX XXXX sent a {$110.00} bill directly to ERC collections without sending me a bill in XXXX 2022. I contacted XXXX and completed a chat with a representative who stated my account was never past due and confirmed I did not owe anything. I never missed a payment to XXXX or any company in my life. 

Due to this scam of a claim my credit score dropped over XXXX points. Today I filed a dispute against Enhanced Recovery Collections through XXXX. The item was deleted from my XXXX credit report. I messaged XXXX via XXXX this morning. XXXX has yet to rectify this situation.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Under the Loan Details tab of my account with XXXX XXXX XXXX XXXX appears the following message : XXXX XXXX XXXX  does not report payment history to the credit reporting agencies for the transfer month and two subsequent months. The servicing of this loan transferred to XXXX XXXX XXXX on XX/XX/2021. 
During the first or second week of XX/XX/2021, I received a Welcome letter dated XX/XX/2021. My mortgage payment is due the first day of each month, so it is not possible to pay the correct servicer when the Welcome letter was mailed only a couple of days before my mortgage payment due date. Listed below is an excerpt from the Welcome letter. The second sentence and last sentence of the first paragraph contradict one another and the second sentence of the first paragraph contradicts the second paragraph. 
The servicing of your Mortgage Loan for the property address listed above has been transferred, effective XX/XX/2021. This means that after this date, a new servicer will be collecting your Mortgage Loan payments from you. No other terms of your Note and Mortgage will change. XXXX XXXX XXXX will stop accepting payments received from you after XX/XX/2021. XXXX XXXX XXXX XXXX ( XXXX ) will collect your payments going forward effective XX/XX/2021. 
Please send all payments due on or after XX/XX/2021, to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, City of Industry, CA XXXX Posted payment XX/XX/2021 yet the statement dated XX/XX/2021 does not show the payment and the amount due is two times the monthly mortgage payment. 

The previous Servicer and XXXX XXXX XXXX, XXXX both reported to the credit bureaus that my mortgage balance is approximately {$330000.00}, so the credit bureaus listed my mortgage balance at approximately {$660000.00}. My credit score with each of the three credit bureaus decreased XXXX to XXXX points and decreased on credit card websites XXXX to XXXX points. I contacted the XXXX XXXX XXXX XXXXXXXX Customer Service Department. The employee escalated to another employee. I explained the issue to the employee that received the escalation. Her response was a giggle and stated no big deal, it will be corrected next month. 

XXXX XXXX XXXX, XXXX informed me they do not have an impact on my credit score and they did not report any information to the credit reporting agencies until XX/XX/2021, but I have attached contradicting information. I provided this information to XXXX XXXX XXXX XXXX, which they ignored and continue to state they did not provide information and will not respond any further.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my consumer report. 

The Credit Reporting Agencies stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active, and the date last reported is inaccurate. This is grounds for removal they also violated my rights under 15 USC 1681 section 602 ( a ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681 section 604 ( A ) 2 : a Credit Reporting Agency can not furnish a consumer report without written instructions of the consumer to whom it relates
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One put a late payment on my credit report from 2017 that I was unaware of And will not remove it they never contacted me about the late payment I have sent several dispute letters to the office and the issue still havent been resolved Capital One is in violation of the law 15 us code 166b and 15 usc sec 16181i
Consumer complaint received 2022-03-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (NM)

Previously reported Amsher Collections and XXXX for potential violations of the Fair Credit Reporting Act. I now have 2 unsolicited credit inquiries on my credit in addition to the negative information filed against my credit in violation of the Fair Credit Reporting Act. 

AMSHER : I will not call you- I refuse to voluntarily subject myself to your abusive language, threats and time-wasting tactics. 

Please provide a written letter stating that this information and all inquiries will be removed from my credit within 5 business days of receipt of funds. Your posting a bill that was never sent is not sufficient. Your Word document is also not sufficient. 

Your further delay tactics are noted and unappreciated. Since my last report, more of my information had been sold on the dark web relating to this account. These tactics are illegal and unethical, and will continue to be reported here and elsewhere.
Consumer complaint received 2022-07-18
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. (VA)

I have inquiries for a mortgage loan from some random source i have never heard of, from a XXXX XXXX I have never applied for a mortgage loan in my life.
Consumer complaint received 2022-03-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (AR)

XX/XX/2022 - transferred {$500.00} from card XX/XX/2022 - transferred another {$500.00} from card XX/XX/2022 - sent {$1000.00} to wifes account. Couldnt debit card transfer. She sent it back to me. 
XX/XX/2022 - initiated standard bank transfer for {$1000.00} XX/XX/2022 - account frozen. Send id. Provided that information. 
Contacted customer service over the next week in which they continued to tell me to wait 4 business days.. then 2 more.. then it could be up to six.. 
XX/XX/2022 - requested bank statements. I let them know that the card on file was in my wifes name. That I needed to add a card in my name which their was not allowing me to at this point. 

Over the next week, they continue to request bank statements from the card that was not in my name and I continually let them know I needed to add a card in my name. I provided XXXX bank statements for cards in my name. 

XX/XX/2022 - account deactivated and holding my {$1000.00} for 180 days.
Consumer complaint received 2021-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/XXXX a purchase was made for {$6000.00} for the merchant XXXX on my XXXX XXXX XXXX XXXX XXXX credit card. This merchant appears to be the university XXXX XXXX. I live in Texas and have never been to XXXX, this is clearly fraud. I contacted the company to report this by phone numerous times ( hard to recall how many, but it was at minimum 4 times ). Each time they told me they would investigate and call me back, but I don't recall getting any calls back. I ended up closing the account because I was afraid of more fraudulent transactions. I called again on XX/XX/XXXX to inquire into the investigation. This time they say that the transaction was made by my son, and that I am liable for the charge. This is also ridiculous, my son has never even been to XXXX. He also had no access to my card at the time, not to mention he would never do this in general.
Consumer complaint received 2023-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (TN)

The company ONE MAIN FINANCIAL ADDED a loan that was paid off through the US Bankruptcy courts in XXXX. ONE MAIN HAS ADDED A PREDECESSOR 'S SPRINGLEAF FINANCIAL that purchased ONE MAIN FINANCIAL in XXXX information THAT REFLECT paid off in full by the US BANKRUPTCY COURTS in XXXX AND CLOSED. 

ONE MAIN FINANCIAL is utilizing this information of payment by the US BANKRUPTCY COURTS in their system to RETRIEVE AND GET PAID TWICE BY ME VIA THE COURTS AND SPRINGLEAF FINANCIAL SERVICES. I HAVE THE LEDGER OF PAYMENTS. I WANT ONE MAIN TO STOP THIS METHOD OF DECEITFUL PRACTICE ON THEIR UNSUSPECTING CUSTOMERS, LIKE ME. 

Please add my name to the ONE MAIN VICTIM 'S FUND FOR REFUNDS ON ALL THAT IS OWED TO ME. I APPRECIATE YOUR TIME AND CONCERN WITH THIS MATTER.
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act the following companies has violated my rights : XXXX XXXX XXXX Acct # XXXX has violated my rights by reporting 30 days and 60 days late. 

XXXX Acct # XXXX, XXXX, XXXX has violated my rights for continuing to report a closed/settled account. 

USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.