davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (KY)

Credit acceptance closed this account on my credit report then opened it back as late payments this information is incorrect and is illegal on how it is posted on my report. I have wrote them a certified letter twice asking them to remove this with no response for over 60 days.
Consumer complaint received 2022-09-08
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)

The FCRA states that your information may not be reinserted on your credit file by the credit reporting agency unless the furnisher of the information certified that the information is, in fact, true and accurate. Furthermore, the consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted on your account and provide contact information for the company that furnished the information. 
These accounts have been reinserted on my Experian report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also the account numbers were changed but the amounts are the same which is a major violation. I never received any mailing notice for reinsertion as well.
Consumer complaint received 2022-06-28
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

I paid my Comenity Mastercard BJ 's bill on XX/XX/26 over the phone for the amount due and the payment has still not posted to my account. I keep calling the number on the card and just get a recording that says their system is down. I do not want this negativity impacting my credit score because I have worked so hard to get to an excellent credit score. I also noticed that this same credit card charged me a {$30.00} late fee for my last payment when it was received on the day due. I also tried accessing the website and get a banner across the top stating their system is down due to a system upgrade.
Consumer complaint received 2022-06-28
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. (NJ)

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 XXXX has me at a score around XXXX. 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 2022-06-28
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: Experian Information Solutions Inc. (GA)

To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. I have also tried to call them repeatedly, and left XXXX but have not gotten any response from them. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

I need your help to correct this error and update my credit report as soon as possible, please. 

Thank you, XXXX XXXX
Consumer complaint received 2022-09-08
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: Debt Recovery Solutions, LLC (VA)

During regular check of credit reports noticed Debt Recovery Solutions on my reports. Collecting for XXXX XXXX FCRA and FDCPA violations from Debt Recovery Solutions that consist of. 
*No idea who they are as I have had no contact with them ever. XXXX account just appeared on credit reports with no chance to dispute. 
*XXXX whom they are trying to collect for is a Internet payday lender that operates illegally in Virginia which is my state of residence. 
*Never have dealt with XXXX unless something was done in my name fraudulently. 

This information concerning Debt Recovery Solutions is also being reported to the Virginia and New York Attorney Generals Offices.
Consumer complaint received 2022-06-28
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: Experian Information Solutions Inc. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On Saturday, XX/XX/XXXX at XXXX pm, I trustly went to Chase Bank on XXXX XXXX in the XXXX to deposit {$3000.00} ( XXXX x {$100.00} bills ) into an Atm machine. I entered required information, indicated that I had a cash deposit, entered said bills as instructed and awaited for confirmation. The machine counts the money, screen pops up an out of service message on screen and produces an receipt without confimrning my deposit. Being that it was Saturday night and customer service wasnt available, I checked a saw that I could call the next morning. On Sunday, XX/XX/XXXX appox XXXX am, I called customer service and was forwarded to the claims department. I told them what happened and gave all the information that was on my receipt ( sequence number and terminal number ). I was told that my account would be credit Monday, if not Tuesday. On Monday, XX/XX/XXXX, I called to confirm that my funds will be dsposited being that I didnt see it. I was told to check by end of day. If not, it should be there Tuesday. Today, Tuesday XX/XX/2022, theres nothing in my account. I went to the closest branch to speak to someone in person in regards to my funds. To my knowledge from my past employment with CHASE that the branch reconciles the ATMs. I wasnt sure if the claims department waits until the branch informs them of an overage or they give them the heads up. The reps at the branch informed me the research department is looking into the matter and it will take 10 business days or more. It was escalated on XX/XX/2022. I was NEVER informed. I understand them taking one business day to reconcile the ATM not TEN DAYS. Since Saturday, I was informed that I would receive my cash deposit by Tuesday ( today ) the latest. After speaking with someone over the phone from the research team, I wasnt giving any reasoning as to why my funds are being held. No explanation as to why I wasnt informed of any escalation. It feels like I handed my money to an unknown thief that Ive trusted for over 20 years. Are others having issues with this branch and others fund being taken/held with no speedy recourse? Is was told that XXXX is a large deposit! Arent they are business bankers??? XXXX in NY is rent. XXXX is a descent trip. XXXX is a deposit for funeral proceedings.It doesnt take 10 business days to research cash that it supposes to go into a secure place.
Consumer complaint received 2022-06-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (NV)

During covid I entered into a forbearance with us bank and ended that XX/XX/2021 till this day they have been unable to take my account out of the forbearance status and US Bank says that my account has not gone through system changes but they can not explain why. I have been trying to refinance with another lender XXXX since XXXX. us bank is aware i am trying to refinance. I have called US Bank over and over and over again And have been told they are working on it and that there would be a resolution very soon but have not seen any results. I also put a complaint in with their advocacy resolution team and was told they would have a resolution for me by XX/XX/XXXX. This was not the case, no one has giving any kind of update. I have not heard anything and when I have call they tell me my complaint was made and there is nothing else they can do for me. I have done 3 way phone calls with my potential lender and US Bank. US Bank has explained to the lender that I am not in forbearance and I have signed the modification, that it is their error that the account has not gone through system changes and they are working on it. The XXXX letters they have provide out of several being asked for do not have the required information. This issue, I found out is going on 5 months of me calling over and over again trying to get no results. My forbearance ended over 7 months ago. The payment I have been making to us bank are not being posted to my mortgage of forbearance but being help in some kind of limbo account. I need help please. 
The lender XXXX has stated they do not know how much longer they can continue to hold my rate after months of waiting for US Bank to complete modification. I am getting the run around from us bank and am stressed, frustrated and overwhelmed with this ongoing issue. Any assistance is welcomed and appreciated.
Consumer complaint received 2022-06-28
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: Nelnet, Inc. (NY)

Hi, I XXXX XXXX have been dealing with issues with my student loan provider DEPT OF EDUCATION/NELN since XX/XX/XXXX ... there is an error on my XXXX and XXXX credit report in which the account was in forbearance I will upload the document showing proof of this and I notified the student loan provider and the credit bureau and they still remain to report this error on my credit report. I also mailed out on XX/XX/XXXX via certified mail with return label to this provider that this information needs to be fixed and to provide me with the original instrument of indebtedness in its original form for proof of this debt which also the lender has provided no response to me which also they received on XX/XX/XXXX. It's now going over 120+ days of no response since originally trying to reach out to this lender. It's to my understanding that there are laws put in place to protect consumer rights correct? By Law DEPT OF EDUCATION/NELN under account # XXXX this item must be removed from my credit report since the creditor did not respond and the bureaus must be held accountable for verifying this late payment while I have documentation from the lender themselves that there was no payment due on the account.
Consumer complaint received 2023-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (OR)

In XX/XX/XXXX, I became homeless and had to cancel my car insurance. I notified the agent at XXXX, XXXX XXXX, but they still charged another month. It went to collection for {$51.00}. 

I am not disputing the validity of the debt, and the debt is not paid. ( That was the only option I could choose that made sense on the complaint form. ) However, the original date of delinquency was almost 8 years ago. It should be removed from my credit report per the FCRA. I mailed a dispute form to XXXX about six weeks ago, after getting a copy of my credit report from XXXX I got a reply from XXXX on XX/XX/XXXX. It does not address my dispute, and I believe does not honor my rights under the FCRA to remove negative information after 7 years. 

I've attached a scanned copy of the relevant pages.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

Both Citizens XXXX and XXXX XXXX XXXX opened fraudulent accounts under my previous married name. Both cards were opened with high credit limits of {$10000.00} and {$23000.00} respectively. I wasn't aware that one card XXXX XXXX had been opened until I received a statement from the company and then the other card I realized had been opened when I checked my credit report and the locked my credit report. 

Since that time I received letters from the two credit card companies reflecting what I need to do the aid in the addressing my situation and I am preparing all that information which included a police report, reports filed with both the FTC and CFPB and the XXXX County Sheriffs Office XXXX Texas. I also have to provide my state issued drivers license and a proof of residence. I wrote letters to accompany all this information. 

Neither company has made a statement that they will dismiss the charges in writing and have indicated that I may owe the money at the end of their fraud investigation.
Consumer complaint received 2022-06-28
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. (NY)

Hi, I XXXX XXXX have been dealing with issues with my student loan provider DEPT OF EDUCATIONXXXX since XX/XX/XXXX ... there is an error on my experian and XXXX credit report in which the account was in forbearance I will upload the document showing proof of this and I notified the student loan provider and the credit bureau and they still remain to report this error on my credit report. I also mailed out on XX/XX/XXXX via certified mail with return label to this provider that this information needs to be fixed and to provide me with the original instrument of indebtedness in its original form for proof of this debt which also the lender has provided no response to me which also they received on XX/XX/XXXX. It's now going over 120+ days of no response since originally trying to reach out to this lender. It's to my understanding that there are laws put in place to protect consumer rights correct? By Law DEPT OF EDUCATIONXXXX under account # XXXX this item must be removed from my credit report since the creditor did not respond and the bureaus must be held accountable for verifying this late payment while I have documentation from the lender themselves that there was no payment due on the account.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

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 XXXX XXXX XXXX XXXX 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 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 infor mation Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-28
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. (NJ)

In accordance with the Fair Credit Reporting Act These Accounts have violated my rights. 

XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX date opened XXXX  XXXX XXXX. XXXX XXXX date opened XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX. credit limit XXXX XXXX XXXX XXXX XXXX. XXXX credit limit XXXX XXXX XXXX  XXXX XXXX. XXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX. XXXX {$6800.00} US DEPT OF EDXXXX. XXXX {$99000.00} US DEPT OF EDXXXX XXXX XXXX. {$17000.00} US DEPT OF EDXXXX XXXX XXXX {$27000.00} US DEPT OF EDXXXX XXXX {$17000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX To make things even worse, all of the accounts listed above were opened without my written consent. In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.