davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-09
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)

XXXX XXXX is reporting this account as a charged off account and also an open account ... that is a clear violation ... look at the 2 year payment history that differs between the 3 bureaus ... account status also differs ... i have asked them on 3 seperate occasions to investigate the accurate reporting of this account and each time they say it is verified as accurate, ,the inaccurate reporting tells me that they did not conduct a full and proper investigation ... .delete this account now
Consumer complaint received 2020-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TX)

Paid debt with a collection company known as XXXX XXXX XXXX was paid on XX/XX/2020. Account was still sold to a different collection company known as phoenix financial services claiming previous debt collector said they were not paid. I have sent the receipts and proof and refuse to get it off my credit report claiming they are waiting on previous collection company to provide information. I have tried disputing but phoenix financial services still claim their information is accurate when it is not.
Consumer complaint received 2021-04-09
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. (TN)

In XX/XX/XXXX I was having difficulty paying my mortgage and came to a forbearance agreement with the bank ( XXXX XXXX ). XXXX XXXX was having difficulty showing this on our statement, but stated that we were in full compliance. In XX/XX/XXXX XXXX XXXX  bought out XXXX XXXX and took over our mortgage. Since the billing was never corrected, XXXX XXXX took that as if I was delinquent. We reached out to XXXX XXXX immediately to try and resolve the confusion. This has had no response or resolution. XXXX XXXX turned us over to their collection department which have reported multiple delinquent payments on our credit reports which drastically affected our credit score. We have been in talks with XXXX XXXX a Vice president at the XXXX TN location. He keeps saying they are working on it, but nothing has been done and we keep getting negative remarks on our credit score on all three credit reporting agencies.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-04-09
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 filed a total of 11 disputes certified with return receipts to credit bureau EXPERIAN to no avail. My initial dispute was sent on XX/XX/2021. EXPERIAN responded validated the accounts. Pursuant to FCRA 611 ( a ) to request a complete description of all methods used to investigate these accounts. The accounts are XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. EXPERIAN continues to send me generic letters explaining their investigation process which is NOT what I asked for. EXPERIAN is clearly violating FCRA laws but not providing me detailed information about how they investigated these inaccurate accounts. I requested a method of verification on XX/XX/2021 via certified mail with returned receipt that was received by EXPERIAN on XX/XX/2021 that gave them 15 days to respond providing me with the method of verification. To date, I haven't received any method of verification from XXXX.I spoke to a representative whom stated that I need to dispute with the creditor directly, I informed her the law allows me to dispute directly with the credit bureau since they are the ones putting inaccurate information on my credit report .She stated she would have a supervisor to contact me.

These accounts need to be updated/ and or removed to reflect current as EXPERIAN is in direct violation of the FCRA laws
Consumer complaint received 2020-07-14
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. (WA)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-07-14
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. (WA)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HILLTOP HOLDINGS, INC (TX)

XX/XX/2023 I began getting notices about bills not being paid on time. The bank showed that the payments were sumitted on time but one was more than 2 weeks late. 

Then on the XX/XX/2023 more bills posted late or were returned to the after the account numbers had been changed, when I contacted the bank we checked and made sure the account number were correct in which thet were. 

Then after talking to a friend that banks at the same bank he told me about a letter he received about a data breach! 

XX/XX/2023 When I went back into the bank to talk a bout the data breach and if that could be the problem, then it was turned on me that I didn't know how to pay my bills on line. I've paid my bills on line for mor than 20 years. I went back to my other bank and started paying my bills thru them and have not had any more trouble. I'm trying to get this account shut down after having {$81.00} dollars in late fees that I should not have had to pay. 
As soon as I can I will shut the account down.
Consumer complaint received 2024-11-08
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)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-02-11
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. (PA)

The Creditor Reported I Was 30 day late for XX/XX/2022. The mistake happened because I called in late XXXX expressing to have my payment due date changed to XX/XX/2022 and The Call representative read me my disclosures and stated Your payments will now be on the XXXX of month starting now and you dont have a payment due until XX/XX/XXXX. I replied back and said thank you and I thought he disconnected the call but XXXX now founding out the call was dropped. My due date remained XX/XX/XXXX although its note and on record that I will like for my due to be XX/XX/XXXX and the Rep confirmed it. With a XX/XX/XXXX due date I would not 30 days with my account. I request that the 30 day late payment be removed from my account immediately because they have honor the XXXX of each month as my due date. XXXX can verify that every word in this statement is true my account is also paid in full and I have not missed a payment yet.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TODAYS DATEXXXX XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX XX/XX/XXXX Dispute Department XXXX. XXXX XXXX XXXX, XX/XX/XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XX/XX/XXXXin question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX,XX/XX/XXXX XXXX
Consumer complaint received 2021-02-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I was never informed how credit really work so at the time that I received these two credit cards, I thought that I could handle the credit cards responsibly. I did well for a few months and then I had a change in employment which resulted in less money to pay credit card payments. When I got to a place that I could start paying on these two cards, I started sending monthly payments directly to Capital One for the two different credit cards that I had. I did not call and ask for a settlement. I just wanted to be responsible and pay the debt and so I did. Because I didn't know much about credit and credit reports, I didn't know that even once the debt was paid in full, it would appear on my credit report as Charged Off /Paid in full and closed by Consumer. I've become much more educated on credit and have been able to use my credit in a responsible way now. I just ask that the negative remarks be forgiven. Please consider my request as I have been working hard to build my credit profile and use it the way it was intended to be used. Thank You in Advance.
Consumer complaint received 2022-02-11
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-08-31
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: Certegy Holdings, LLC (IL)

certegy recommended decline payment transactions because their record indicate that there is negative information.That is blacklisting as seen on outstanding items there is no information on file. Federal law protects Social security and pensions and XXXX from collections, as banking regulations protect the account into which fedral funds are deposited
Consumer complaint received 2020-12-02
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. (NV)

I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XXXX XXXX 2020. As of today I have not received any response from XXXX, TransUnion or XXXX. 
Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a re-investigation within 30-45 days. All 3 credit bureaus have all failed to respond in a timely manner to my requests.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: OPORTUN FINANCIAL CORPORATION (CA)

Received text message regarding suspicious online activity ( 2 charges ) in the amount of {$350.00} on XX/XX/22 on my Oportun Visa credit card ( card ending in XXXX ). 

Reported charges to fraud dept twice ( on XX/XX/22 & XX/XX/22 ). Was told that card would immediately be canceled, issued a new card, and fraudulent charges would be removed from my account by the time the new card arrived within 7-10 business days. The new card was received on XX/XX/22 ( new card ending in XXXX ). 

I was also told that if new card arrived and fraudulent charges were not removed yet, to call customer service back. 

On XX/XX/22 called customer service numerous times and was put through an endless loop of foreign speaking representatives all claiming that they were incapable of resolving my issue and they needed to transfer me to another dept.and so forth and so on. This occurred for a total of 56 minutes of being told the same scripted dialogue over and over again without resolution. 

Mind you, I had a XXXX {$0.00} balance prior to this fraudulent activity on XX/XX/22. 
The last time I personally used the card was on XX/XX/22 in which I charged {$190.00} AND paid the balance off IN FULL on XX/XX/22.
Consumer complaint received 2022-07-08
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. (FL)

In accordance with the Fair Credit Reporting act XXXX, XXXX account # 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 a account without my written instructions
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (FL)

To whom it may concern ; My mortgage was recently sold to a mortgage servicing company, named Gregory Funding, LLC ( gregoryfunding.com/contact ).

I found out that my loan had been sold when I tried to make a payment a couple of months ago. I was given no information about Gregory Funding, with the exception of a phone number. 

I had no information until a few weeks ago, when I received a certified letter telling me that I owe then nearly $ XXXX, by XXXX XXXX, 2021. I have created an account, using the loan number on the certified document, After logging into my account it tells me how much I owe and when it is due. However, despite both their contact page and hold greeting saying that I can, " make a payment online, 24 hours per day '' I am unable to make the payment, as my account says that the payment feature is disabled for my account.

I also attempted to call to make the payment but, as always, I sit on hold for over an hour.

Since then I have attempted to communicate with them the following ways : - Multiple phone calls to their customer service phone ( XXXX  ) XXXX, which for the first two months went to a busy signal. Since then I call and sit on hold for at least an hour until the phone call drops. 

- Sent multiple emails, using their contact form, requesting them to contact me. I have received no response either vis email or via phone, from Gregory Funding. 

- Sent a fax ( XXXX ) XXXX requesting to be contacted, for which I received confirmation it was sent. 

It is beginning to seem like they don't actually want me to make a payment because they have created multiple barriers, which prevent me from doing so. 

I am not sure what else I can do and really need assistance with this. All I know is without speaking to someone, especially the way this company operates, I am not going to mail this large of a check in their name and hope they receive it and process it. 

Thank you for any assistance you are able to provide. 

regards, XXXX XXXX
Consumer complaint received 2020-12-02
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. (FL)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX  XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX -XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (IL)

I turned XXXX and im serious on buying a house for me and my family and was told i have 10 to 12 of these listing of hard inquiries and inquiries, US SM ADMIN XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-15
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. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. Item # 1 : I disput
e XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item
that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX