davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-08
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. (NY)

I'm writing to whom it may concern.

I submitted information to the credit agency about removing inaccurate information on my credit report. I asked for the credit agency to verify the inaccurate information. It's been over a year now and still there reporting the information and its affecting decision making with financial institutions.

if someone can assist me in this it would be greatly appreciated thanks
Consumer complaint received 2021-07-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

To Whom this may Concern First of all please forgive me about my righting skills and spell, I'm dyslexic, Sorry about this.

any ways, I desperately asking that XXXX  XXXX  and Experian credit burues take a long and hard look at my credit report payment history.

i'm sorry but I fel that i'm being treated very unfairly here. I'm XXXX years old and been at my current employer for over 15 years.

I was brought up as a kid to be very reasonable, if you owe someone money you pay them.

but anyways to the subject here regarding ( XXXX XXXX XXXX XXXX ) I been a customer of there's for over 3 1/2 years, I had great payment history with them, never missed a single payment, i beg you please look at my account with them you'll see for your self, then the huge pandemic happen, and i feel into the ground, not only with this creditor but others as well because of being laid off, and XXXX XXXXXXXX XXXX but as soon as i started working again, I contacted the creditor directly and sent them sevral letters explaining what had happen, they stated they due what they could and thats it.

will nothing i've disputed this with all three credit bures and nothing is happening. 

I'm desperately asking for forgiveness here, I don't desver to being thorn in the ground like this with my credit score or credit report, I'm a good hearted christen guy. 

I contacted the creditors and payed them all in full. I owe a {$0.00} balance on all of theses accounts. Why in the heck would ive payed all theys accounts if i was just being a losser. 

no thats not how i was rased. They even had offered me a settlement offer, I choose to pay what i owed includeing all late payment intrest and everything. 

Please I beggeing you all to take a strong look at this and give me a little leanaly, Im truely a good guy, pleaee help me with this pleae
Consumer complaint received 2021-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XX/XX/2021, I changed the my auto-payment bank account ( i.e. the account from which my balance was paid every month ) and lost my Bank of America Visa, thus getting a new account number. 

On two occasions in winter, I entered information concerning my new auto-payment bank account and spent more than 10 hours trying to pay automatically. Each time, I appeared to be successful, the automatic payment appeared and was then refused, adding late fees and returned check charges. I refuse to pay any late charges since late payment was caused by their software problems. 

I have sent them three letters and have opted out of further electronic communication with them. 

In addition, during my last conversation with their representative, I learned that their file contains erroneous accounts. It reports that I was called at work ( I have been retired for 15 years ) and that I claimed my wife handles the bills ( I am divorced ). I have notes on the actual conversation. I was told that this information was supplied by a vendor, but it was clearly fabricated. 

I have sent them a check for full payment of my original balance, and told them to close my account. I have not heard back.
Consumer complaint received 2021-07-08
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: PENTAGON FEDERAL CREDIT UNION (CT)

Im on a joint auto loan with my girlfriend and when she decided to refinance with XXXX, they ran her credit ( of course ) but my credit as well without my consent. 

Now, I have a double entry on my XXXX  report from Pentagon FCUa company I never even heard of. 

Anyway, I was never asked for my credentials or for verbal authorization to run my credit. How does this happen?
Consumer complaint received 2021-08-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (NJ)

Back in XXXX, I applied for a loan and was given terms. I supplied all materials requested in a timely fashion. I never heard back and was concerned about the rate lock expiring. After many attempts to contact the company with no luck, I finally got someone who informed me that my loan person had left the company. The person said he would get things back on track. I told him I was concerned that my rate would go up due to delay. After another month or so, I was informed my refi was back on track but the rate was going to be higher. I complained and they said they would honor the rate but I would have to go through the process again. I unhappily agreed. They then requested all ppwk again which I supplied in a timely fashion. After many more months, now into XXXX, I was told that my I would have to pay fees to secure my rate and that after 7 months, if I did not pay them, my loan app would be terminated. 
It cost me much time, effort and costs in providing all they requested TWICE. 
I have no idea why I was treated so poorly. I have never experienced such lousy treatment. Was it my rate was attractive? Was it who I am? Maybe it was an XXXX XXXX bias? I have no idea but I demand satisfaction for my time, costs and opportunity lost dealing with these people.
Consumer complaint received 2021-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (TX)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2023-10-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (CT)

Emails between myself and my contractor  were intercepted and I was sent wiring instructions from a fraudster.

I authorized the wire. 3 days later we realized the fraudulent activity and informed banks and police. Following police investigation they were able to verify the bank account of fraudster had been set up using a false driver license and false social security number. The account was opened at Huntington National Bank and clearly the account holders credentials were not appropriately verified I am still waiting a response from National Huntington Bank
Consumer complaint received 2021-08-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I have been impacted by COVID due to job loss, reduction in pay initially, and loss of my job as of XXXX of 2020. 

I entered into a forbearance in XXXX of 2020. On XX/XX/XXXX, my home sustained substantial damage and loss of all personal property during the reported ice storm in Texas. My personal property was damaged significantly by a total of XXXX bursted pipes. I did have insurance and began the claims process immediately. XXXX XXXX is the primary coverage and has favorably made payments to both myself and the mortgage company ( Carrington Mortgage ) to properly repair the home. 

Carrington mortgage has delayed and denied release of funds after all proper documentation has been provided in attempts to resolve unpaid payments that are under a forbearance. 

With each step towards completion, all XXXX and receipts have been submitted and Carringtons loss draft department claims the review will be executed within 5 business days. Each time the response is that they dont have proper documentation. 

Ive had to stay on the phone multiple days and hours to guide the intake representative through email correspondences that contained the necessary information they claimed did not exist. 

Ive been out of my home for more than 6 months, whereby all could have been completed months ago with funding provided timely. 

With each delay they claim theres a 5 day turnaround, then they add additional days because they didnt find the necessary that were and proof can be provided that was already sent via email correspondence. 

It is believed that the mortgage company is attempting to reserve funds to pay the mortgage bill versus repair the home.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-03
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: OneMain Finance Corporation (IL)

On my credit report there are multiple errors reporting from the company ONE MAIN financial. One being that the account has been charged off in XX/XX/XXXX with two different balances one balance of {$4000.00} reported to XXXX & XXXX & {$4500.00} reported to XXXX. They were still occurring past due charges after being written off by the company at those balances in XXXX. This ultimately caused it to reflect as {$5200.00} being past due vs the charged off balance. Also the high balance states $ XXXX {$4500.00} if this is the highest amount the account occurred then where is {$5200.00} coming from and causing the violation? If this is being reported from the same creditor how is there so many errors? Also the date of last activity does not match across the bureaus. XXXX reports XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX. Last payment also reflects XX/XX/XXXX for XXXX & XXXX  where the last payment with XXXX is XX/XX/XXXX. The date of last activity determines how long this account can stay on my credit and if one bureau shows a payment in XXXX where the other shows XXXX then there is a payment that was not accurately accounted for which also throws off the amount charged off. The Information being reported is very inaccurate. FCRA requires that you are consistent across the board and that all the bureaus report the same thing. I have sent out a certified letter dated XX/XX/XXXX in regards to the many errors in which they were claimed to be verified. Seeing that the creditor credibility on this account is not accurate across the board even after a few attempts of it being disputed I ask that it be removed due to not properly being investigated and illegally reporting false information resulting in me not being able to resolve the problem effectively.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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.

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 informationisinaccurate.
Consumer complaint received 2022-09-19
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: EQUIFAX, INC. (PA)

As an Consumer thats protect by the laws of the FDCPA I would like the attached items on my Consumer report to be deleted. See attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never gave your agency PERMISSIBLE PUROPSE to furnish anything on my Consumer report. Per 15 usc section 1681 ( B ). And this also VIOLATES my right to PRIVACY according to 15 usc section 1681. And I would also like the following accounts removed due to the above mention VIOLATIONS as well ; Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are reporting inaccurately, and I have a right to a FAIR and ACCURATE Consumer Report per FDCPA and the FCRA. And its also a VIOLATION of 15 usc section 6802 ( A ).
Consumer complaint received 2021-06-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (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 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My son 's car was declared a total loss after an accident he had and car got paid off by insurance, GAP, and received a XXXX dollar refund for over payment. XXXX XXXX now called XXXX reported we had a balance but institute said and showed balance was paid off but it has not and should have never been reported as negative mark on my credit report.
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (NY)

At around XXXX I called Aldos and Associated debt agency to inquire about a current debt that was on my account. I spoke to a female and explained to her that I have no knowledge of this debt ( XXXX XXXX  ) and I am unsure why is it in collection when I have a open and current active membership. I felt she was unable to explain to me so I asked if I could speak to a supervisor. The supervisor I spoken to was XXXX XXXX. I explained to him the same situation and he made comments " I cant track when you go to the gym " " it shows no payment since XXXX " " we don't keep trackers ''. I then explained to him again I understand if was there anyway I could get my debt reduce etc because its COVID we are in a pandemic and I couldn't afford to pay the full debt amount. He then stated he don't do settlements. I then asked could he email me stating that they don't do settlements and can I get a copy of this recording as I wanted to see the appropriate document in which stated that. ( I asked for this because I worked with this debt collector in the past in which they was able to do a payment plan with my account ). I was simply a citizen asking for professional help during this hard struggling time of the pandemic time of covid. The supervisor was dismissive, stated things that was untrue, and was not even open to helping me the best way he could. He hung up in my face and did not send me anything that I asked for.
Consumer complaint received 2021-08-03
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: EQUIFAX, INC. (TX)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2023-10-31
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account #, XXXX XXXX and XXXX XXXX # XXXX 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. 


XXXX According to the agreement, it was XXXX I made the following payments of XXXX which were to be on the XXXX of each month. 

XX/XX/2020 check # XXXX I made a payment of {$1000.00} XX/XX/2020 check # XXXX {$340.00} XX/XX/2020 check # XXXX {$340.00} XX/XX/2020 check # XXXX {$400.00} TOTAL PAYMENTS {$2000.00} PAYMENTS WERE RECEIVED UNTIL XXXX XXXX WERE PENDING, They stopped with the payments by covid XXXX emergency.