davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

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 719transunion 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 n 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 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 n 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 2020-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX made a mobile deposit {$6900.00} of my government payroll check into checking account. I had access to funds on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX the bank put a hold on my deposit til XX/XX/XXXX without notice. All my bills I had scheduled to pay was returned. I was accrued fees from the bank and fees from my creditors. My creditors charged me late fees and notified the credit bureaus of late payments because my payments was returned by the bank.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

I never froze my credit ever and my job just tried to pull my report and was told the reason was because my credit was froze when it was not. They did it intentionally and I need immediate assistance
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (GA)

I requested for a new card from EPPICcard, after a fraudulent purchase was charged to my debit card in XX/XX/2020. I Immediately was able to contact the company that made the charge and my funds, {$85.00} was returned that week. However, I did not receive a new card from EPPICCard until the XXXX of XXXX. During this period of four months, 5 deposits were made from the Child support office. they are as follows. {$40.00}, {$200.00}, {$1100.00}, {$200.00}, {$200.00} plus the previous balance of {$85.00}, tolling {$1900.00} as my new balance. when I received the new card from EPPICCard, i only had a balance of XXXX. I discovered that {$480.00} is missing.
Consumer complaint received 2020-08-21
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. (LA)

There are 2 collections with date opened of XX/XX/XXXX that are showing paid with a {$0.00} balance. However, XXXX XXXX XXXX, the collection agency that owned the debt at the time that I paid, agreed they would delete these two collection from my credit report as long as I paid them in full. So I did so. Since then, this company is no longer in business and it's impossible to reach someone. I have disputed these two accounts on several occassions as well as tried to reach the collection agency but have been unsuccessful. How is it possible that I've submitted 2 different disputes with both XXXX  and Transunion, the company is out of business, yet they continue to report information that is inaccurate and the bureaus are allowing it. XXXX XXXX XXXX made an agreement with me yet have not kept up their end of it. The disputes were sent on XX/XX/XXXX and XX/XX/XXXX. After researching XXXX XXXX XXXX it seems as though there was a pattern of them agreeing to these terms right before they went out of business but not actually removing the accounts as they agreed. Instead they have disappeared from the face of the earth.
Consumer complaint received 2020-08-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (IL)

I have applied for a loan of {$1000.00} dollars and I did not sign loan agreement from this predatory company. After researching XXXX I see that many people have been duped. I wouldve ended up paying {$5600.00} after interest payments. I will now monitor my credit cards and banks to see if they are going to go ahead and process their scam. In a time of need when many people are struggling we dont need people like this. I have used CFPB once before and along with the DOJ we successfully sued XXXX XXXX for the CRSC violations. Quite simply XXXX needs to be shut down
Consumer complaint received 2023-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (MI)

After about 100 phone calls trying to resolve and re-instate my homeowners insurance. Flagstar through a combination of negligence and incompetence failed to make payment on my homeowners insurance. After claiming they sent payment to re-instate- it did not go to the right address apparently. Flagstar charged me for 8 months of their homeowners insurance which cost over 3x the rate and does not cover anything other than the dwelling. Multiple phone calls, they admitted error. When trying to call continuously got pushed around to wrong departments. Ive tried to get back in touch multiple times and have been on hold over 2 hours multiple times. Claimed a supervisor will call me back 5x but has yet to do so. Please help- this feels criminal and I feel unable to resolve w Flagstar. Theyve had over XXXX of mine for years now which has caused financial hardship. Thank you very much. Apologies for being frustrated. XXXX XXXX
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I ask the credit bureau TransUnion to do a verification with everything on my credit report and they did and stated everything was accurate. I did a thorough research myself and found improper, inaccuracy on the credit report even after they did the thorough research. 

Trans Union credit Bureau XXXX XXXX account # XXXX XXXXXXXX XXXX  account # XXXX XXXXXXXX XXXX  Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # 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 602 A section 2 .It also states a consumer reporting agency can not furnish a account without my written instructions l
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLD KEY CREDIT, INC. (LA)

There are 2 collections with date opened of XX/XX/XXXX that are showing paid with a {$0.00} balance. However, Gold Key Credit, the collection agency that owned the debt at the time that I paid, agreed they would delete these two collection from my credit report as long as I paid them in full. So I did so. Since then, this company is no longer in business and it's impossible to reach someone. I have disputed these two accounts on several occassions as well as tried to reach the collection agency but have been unsuccessful. How is it possible that I've submitted 2 different disputes with both XXXX  and XXXX, the company is out of business, yet they continue to report information that is inaccurate and the bureaus are allowing it. Gold Key Credit made an agreement with me yet have not kept up their end of it. The disputes were sent on XX/XX/XXXX and XX/XX/XXXX. After researching Gold Key Credit it seems as though there was a pattern of them agreeing to these terms right before they went out of business but not actually removing the accounts as they agreed. Instead they have disappeared from the face of the earth.
Consumer complaint received 2020-08-20
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. (GA)

XXXX has been my student loan servicer since XX/XX/XXXX since my loans were consolidated and rehabbed. There are multiple incorrect/ inconsistent late payments reporting across all 3 credit bureau with different balance and dates. Not only are the late payments incorrect, I have documentation that the account was supposed to be in forbearance or deferred at the time. The loans originated from XXXX XXXX XXXX University which is closed now due to fraud so I am unable to get any information from the institution. XXXX had the loans first they are now involved in a lawsuit. A new class action claim that was filed on XX/XX/XXXX against XXXX also included my some of the situations I've dealt with. I have reached out multiple times to try to correct my file with no action the last time was XX/XX/XXXX. Per FCRA this needs to be addressed it must be taken off my credit or adjusted.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have tried to dispute an item on my report with XXXX and they will not delete or make appropriate corrections to the report. The account is closed and part of a CH XXXX this is an unsecured debt and they are subject to an automatic stay which means they are not supposed to be making changes to the account on my report after file date. My CH XXXX has been in effect since 2019 and they have since changed the account to an open status and have been reporting late payments across all 3 bureaus. This violates the FCRA and my automatic stay. I want this account deleted from my report or I will be seeking assistance from an attorney and punitive damages for defamation. 
I have requested my personal statement be deleted from my XXXX   report multiple times and everytime I review it over the last few months it is still showing on my report.
Consumer complaint received 2020-08-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth (RI)

I am getting calls from a debt collector that is not registered to collect debt in the state of Rhode Island. The name of the debt collector is Healthcare XXXX XXXX XXXX XXXX XXXX ( HRRG ). I sued HRRG in XXXX for attempting to collect debt without a registration in Rhode Island so they know their behavior is wrong. For over 10 years, HRRG has attempted to collect debt in Rhode Island without a registration and that is literally a crime here. I started getting calls in XX/XX/XXXX from HRRG. These calls were robodialed to my cell phone. I don't owe HRRG any money, so I sent them a certified letter, return receipt requested in XX/XX/XXXX and in my letter I told them, " Please don't call me ... .you have the wrong number. '' HRRG kept calling me after they signed my letter. HRRG responded to my letter and demanded my credit report! It is ridiculous for a criminal like HRRG to demand a credit report from me when I told them that they have the wrong person and to leave me alone.
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 719transunion 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 n 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 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 n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-08-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

My XXXX check was three days. Usually when my check comes on time, I transfer {$300.00} from my local credit union to cover my ACH automatic with drawls. There is a claim that the US Postal service is late delivering the mail these days, but USAA refuses to acknowledge this as a reason to refund my ACH fees. That's because I am the only person having this problem. I have been making complaints against my local sheriff 's department for unlawfully arresting me and making me a prostitute, and telling on the man that illegally brought me up on a charge that put me in prison and jail, several times. In 2018, USAA did not pay my car payment and cancelled my car insurance, well made it necessary to cancel it. It is no just USAA, but XXXX and XXXX and XXXX, I have filed complaints on them all. I want arbitration, and a chance to allow a mediator to help solve this problem, because it is not my fault. I have no control over when my check comes, especially if people in high places are causing it to be late, because I won't prostitute for  them!
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (RI)

I disputed this late payment status with BMW twice now and XXXX XXXX and equifax. This account has not been late, and is current right now. I just want the account to be updated to on time because according to every single account including my actually bmw account it is still current. I would like whatever month is showing late to be deleted that lowered my score last week. I have been current on this account since XXXX. 

Thank you
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: AMERICAN EXPRESS COMPANY (FL)

Although getting charged extra at certain stores does happen from time to time, this complaint is predominantly about random adults hacking my online account to view my personal business, and when it's " convenient '' to them, they alter the transaction name. For example, I donated XXXX dollars to my XXXX School Program. A XXXX freaked out, so he or she hacked my American Express Serve online bank account and removed XXXX. Why? And how can these people get away with this? My account is " secure. '' This is unlawful. Another emethical act these people like to do is PRETEND they made a deposit that " I '' really made. Deposits are now hidden. I have to click VIEW MORE TRANSACTIONS to see my deposits. Why? 
In conclusion, please make AMEX keep these haters OUT of my business. 

Thank You, XXXX XXXX XXXX.
Consumer complaint received 2020-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I have been receiving bills from XXXX XXXX XXXX for a person with last name XXXX ; however, I never had any service through the company. I reached out to XXXX XXXX XXXX to let them know that this does not belong to me, and they were not able to produce any proof that they belonged to me. The company noted to disregard the notices. 

Today, XXXX/XXXX/2020 I received a letter from IC System - Collection Notice regarding a balance due of {$520.00} ( reference number : XXXX ; account number XXXX ; creditor XXXX XXXX XXXX. The name, again only shows " XXXX '' without a first name. However, the address is my address. 

I believe that the company is mailing out mass letters to every address related to any persons with the last name XXXX.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am thankful Capitol One extended me credit 9 years ago. I have a XXXX secured credit card XXXX {$350.00} credit line ) and an unsecured ( {$3600.00} XXXX they continue to charge me XXXX XXXX for the secured credit card. The manager I spoke with said he can not do nothing about this it was based on my credit score at the time of application however anyone who reads the newspaper know the fed is lending this bank money at 0 % I am a taxpayer if XXXX  helps them with low interest rates, why should I pay so much? 
Also with widespread unemployment in the United States they outsource jobs to other countries because I spoke to a friendly rep from overseas These interest rates are way too high so perhaps I'll take the matter up with XXXX XXXX XXXX XXXX The spread of a consumer loan and what the bank is getting money from my federal government is way too big
Consumer complaint received 2020-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it is accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. Also questionable account number and who this account got transferred to!!! :?!

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 n 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 2022-06-30
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. (GA)

XXXX XXXX committed fraud by reporting late payments to my Transunion credit report. I never made a late payment. I paid with a money order, I never received a notice that my payment was dishonored. I spoke with a XXXX XXXX representative yesterday, and she agreed to discharge the remaining balance and close the account. XXXX XXXX violated my rights under the FCRA by reporting this derogatory false information to my credit report.