davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-15
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. (IN)

This company has been reporting a different balance for almost 7 years on each credit bureau. This account has been removed from XXXX within the last 2 weeks but has not been removed from Experian. I was unable to submit the screenshots online at experian.com/upload
Consumer complaint received 2021-10-15
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. (MD)

All three credit reporting agencies ( Transunion, XXXX, and XXXX ) have not been abiding by the FCRA. I would assume that since they are not a government agency and their services are not required by law, they would be more careful to not make such enormous mistakes. For one, they have been sharing my identification information to a number of corporations without my consent. No consent is identity theft which is a crime pursuant to 18 USC 1028A ( a ) ( 1 ). As well as 15 USC 1681q. It is also considered to be fraud. Pursuant to 15 USC 1681c ( a ) ( 4 ), a consumer report is not supposed to contain accounts placed for collection or any adverse item or information. Everything they have on the consumer reports are not verified information and were not disclosed to me before reporting this fraudulent information to my credit report causing harm to my reputation. They have no right to furnish any consumer report without my written instructions pursuant to 15 USC1681b ( a ) ( 2 ).
Consumer complaint received 2020-05-22
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. (NY)

I am submitting this complaint about XXXX  credit reporting agency. I recently submitted a dispute with them in regards to my XXXX  mastercard. It is marked on my credit report that I was more than 30 days late ( which is incorrect ). Today XX/XX/2020 I received a report with the investigation results. It shows my previous activity then shows the results after the dispute. ( They are the same ) yet it notes that there were some changes. Due to some work loss being laid off from work due to the corona virus I had lost some work. My company had closed. I immediately contacted XXXX XXXX and advised them if they can work something out with me as far as payments till I return to work. I was told I can participate in a 3 month program where my interest rate will be lowered and my payments would be lowered. I stressed over and over that I don't want this to be reported to the creditors as late I was assured it would not be as long as I made the monthly payment. I even made more than what I had to make. I am still be marked as 30 days late. Which in turn is affecting my credit score in a very negative way. I contacted XXXX XXXX  and told them the issue and was advised again that the 30 remark would be removed and corrected and was given an apology for the error. It was never removed. I was then told dispute it with XXXX  again. Well trying to submit a dispute online I can't do. There website keeps coming up with error message. I am upset that due to national disaster and loosing work affected my credit score like this.
Consumer complaint received 2020-05-22
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. (GA)

There are items that are reporting that does not belong to me. Please remove the following items : XXXX XXXX XXXX - Date Opened XX/XX/2017 Incorrect Address : XXXX XXXX XXXX ( XXXX and Experian ) Incorrect Address : XXXX XXXX  XXXX ( XXXX  )
Consumer complaint received 2020-05-22
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. (OH)

I have been having the biggest issue with XXXX XXXX. I have held many mortgages and have never been late in over 30 years. I already hate that my mortgage keeps being sold to a different company every time I look up and each company is harder to deal with. In XXXX of XXXX my mortgage was sold to XXXX XXXX XXXX XXXX  charges a fee to pay online, and a fee to pay over the phone so I send my payment through the mail which is my normal process anyway but I have never seen a company charge to pay online. I mailed my payment as I always have in XXXX of XXXX and when I noticed they still didn't take my payment out of my account, I called them via phone on XX/XX/XXXX and was advised to give it a few more days because it would be a charge to stop payment on the check, a charge to pay it over the phone and a late fee. I stated I have never had a payment lost in the mail and that it would be up to a supervisor to waive the late fee. Still no payment was deducted out of my account so I then paid through the automated system and had to pay a fee, and was charged a late fee. I am very disappointed with how I was treated by this new company that can clearly see I have stellar payment history and always have for over 30 years as I have owned multiple homes. XXXX was unreasonable for a true and honest issue that was clearly out of my control. I have never had a payment lost in the mail before and I pay majority of my bills through the mail. XXXX XXXX keeps calling me to ask if I want to refinance with them. They refuse to resolve the issue that occurred with my account. I have had my mortgage on this home since XXXX and I have NEVER had a late payment and I want it removed. This is my XXXX home in 30 years and I have NEVER had an issue like this before. I have called and wrote letters and have been unsuccessful in getting this resolved.
Consumer complaint received 2020-05-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (CA)

For the year XXXX  I was insured with XXXX XXXX. On XX/XX/ we XXXX  our son XXXX XXXX, Which was insured under my wife insurance. XXXX XXXX. 

Most of the bill the hospital charge have been paid after going to appeal process. 
We meet the maximum out to the pocket contribution for the year. Therefore XXXX XXXX is Obligated to pay. XXXX XXXX has not being consistent on the way they pay providers therefore this account is unpaid. 

I open an appeal case XXXX XXXX acknowledge the mistake. Therefore I am not liable for this debt. XXXX XXXX agree to make the payments necessaries to XXXX XXXX Hostpital
Consumer complaint received 2022-12-30
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX .... Balance : {$620.00} ; XXXX XXXX XXXX ... . Balance : {$670.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX DELAWARE XXXX .... Balance : XXXX ; XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX .... Balance : {$1100.00} ; XXXX XXXX XXXX XXXX .... Balance : {$18.00} ; XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$140.00} ; XXXX  XXXX XXXX XXXX. Balance : {$2000.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1700.00} ; XXXX XXXX XXXX XXXX. Balance : {$820.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

( NOTE : I LISTED THE WRONG CREDIT CARD CO. NAME ON MY PREVIOUS COMPLAINT ID XXXX ). CORRECTION BELOW. 
XX/XX/20 : XXXX XXXX ( XXXX ) IS REPORTING OUTDATED XX/XX/20 INFORMATION TO EXPERIAN & ALL CREDIT REPORTING AGENCIES. THIS IS THE ONLY CREDIT CARD COMPANY WHO REPORTS OUTDATED INFORMATION. WHY???
Consumer complaint received 2020-05-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (MO)

My car was hit while park in front of my house on XXXX XXXX. I call my insurance, XXXX XXXX XXXX ; the car was total. The insurance company got the car supposely fixed. They total me that I could get it for {$1200.00} that was a salvage fee then XXXX XXXX issue a check for {$9800.00} to Credit Acceptance Co. Now the Credit Acceptance is stating that I owe them {$5300.00} for a car that was paid off. They are stating on my credit that I owe them for a car that was hit and the Credit Acceptance Co. want me to have but it is not any good at all. I do not have the car and I should not have to pay for  something that is pay off.
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (CA)

XXXX by XXXX netspend is owed me a refund of {$390.00} that the claim was resolved by phone claim number XXXX and the XXXX staff or XXXX is being very rude and Im concerned may have embezzled my check and compromised my social security number over seas I spoke to a XXXX woman on XX/XX/19 that processed my check but the XXXX  are refusing to resend my check.
Consumer complaint received 2021-10-15
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: Bread Financial Holdings, Inc. (FL)

I, XXXX, The natural person and Consumer Citizen is responding to the allegation, mores " lies '' brought about from the following companies : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, /COMENITY CAPITAL BANK . You and the paid third party debt collectors without contracts to collect ( pursuant to 31 U.S. Code sec,3718 ) are in fact caught in a lie and have given all proof needed as to what published within your response. You have failed to mention WHO, the investigative information was obtained from.. in addition, HOW my personal information was obtained, fi not authorized by me pursuant to 15 U.S.Code 1681 ( B ), you've had no Permissible Purpose '' or written consent from me the consumer. This is in fact identity theft, punishable in Federal Court. I have in mailed in second notice of ceasing all REPORTING and providing me with the proof of WHO and HOW investigations were done. These companies have not supplied any evidence to how my information was obtained, only that it was " verified and accurate '' pursuant to 15 U.S. Code 1681 ( A ) ( E ) speaking to personal friends, family, etc is not FACTUAL, none the less third party bureaus buying personal information, all NOT AUTHORIZED BY ME. these companies continue to report inaccurate information in violation of the FDCPA. In all of the companies responses they have failed to mention how, where, or from whom the information was obtained. MY character continues be defamed, willful injury, emotional distress along with my credit and defaming of privacy. Under the 4th Amendment and Federal laws I am protected, my 4th Amendment Rights have in fact been infringed on as my " rights to be secure in my papers " has not been constituted in this matter.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (UT)

Barclays Bank XXXX : I was not late with making the payment. I made the payment online and it kept kicking me out of the confirmation site. I called the company and they confirmed that my payment did in fact go through.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CT)

* On XX/XX/XXXX, I purchased a Mattress from XXXX XXXX, on XXXX XXXX XXXX in XXXX CT for XXXX The purchase was financed by Synchrony FInancial for {$10000.00}, in a new consumer account. The promotional offer of 0 % financing expires for a purchase of this size on XX/XX/XXXX XXXX On XX/XX/XXXX, two other purchases were added to my newly opened account - one for {$2300.00}, and another for {$590.00}. The promotional offer of 0 % financing expires for a purchase of this size on XX/XX/XXXX XXXX These two extra purchases the next day WERE NOT MY PURCHASES. An error and/or fraud allowed two other new purchases to be added to my new account. 
* After contacting the retail location and Synchrony, they did issue me a credit for the charges for the purchases made on XX/XX/XXXX. So, the total amount I owe, became correct. 
* However, the credit was proportionally distributed to three different loan balances. So though the total amount owed is now correct, but the share of the balances that the 0 % promotion expires for in XXXX is incorrect. I technically still have the loans open for purchases that I did not make, with less favorable terms. 
* I contacted Synchrony explaining my issue via email, and they have no complied with fixing it. 
* The correct resolution would have been to remove the erroneous loans from my account, not to issue me a credit in the total amount. I am now forced to pay down my total balance in an accelerate manner versus the terms I was given. They are in breach of the terms of the contract which I signed.
Consumer complaint received 2022-10-31
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. (MO)

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 homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2020-05-22
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. (NY)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX
Consumer complaint received 2022-12-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Receivable Management Services LLC (FL)

I NO longer had the car and finished payment toward my first I had with progressive all just want to remove this off my credit because I do not have a car and im trying to buy a car next year so I do not want any problems with any insurance
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act the accounts listed below have 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. I would like the following accounts removed from my credit report for violating my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your help in this matter.
Consumer complaint received 2020-05-22
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND A ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I AM WITHOUT A DOUBT THAT THIS SITUATION IS FRAUD RELATED BECAUSE I AM CERTAIN THAT THE ACCOUNT AND INQUIRY BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-05-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

Back in XX/XX/2019 I missed a payment on our 2nd mortgage and didn't realize it. I sent my regular payment in XXXX but XXXX considered it insufficient funds and put it in a separate account and didn't apply it to the loan. As the months went on I am thinking my payments are being applied they were not and late fees and other charges were added. XXXX has since went bankrupt and sold our loan to a collection agency called ShellPoint Mortgage Servicing. Our first encounter with them was a phone call from them telling us we owed that XXXX payment and that our account is severely delinquent and that we owed from XXXX to current date. The payment I had made in XXXX was sent back to our bank and also not applied to the loan. Shellpoint said they had no record of our payments and that we were lying about sending them. We have sent proof from our bank but now they are not calling or returning emails. Every time we tried calling and speaking to a representative we got different information and no one is willing to help us. Shellpoint is telling us we have to pay the back payments plus all late fees and other charges before working with us. So basically we have to pay the amounts we have already paid before releasing our payments and applying them to the loan. We want to refinance our loan with a reputable mortgage company but this is ruining our credit. Please help.
Consumer complaint received 2022-05-18
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-05-19
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. (IN)

XXXX XXXX XXXX XXXX 
I have disputed this account because it was opened fraudulently. Experian is leaving this up to furnisher who is XXXX XXXX to decide. I have sent in police reports. And identity theft affidavit. Along with identification. They will not honor this action. 
World finance is saying that original amount was XXXX $ I was unaware of exact amount. The perpetrators obviously got the loan and made a few payments so I wouldnt see it on my credit reports. My identification was stolen. This account is fraudulent. XXXX XXXX has asked for a copy of my ID. This has been submitted to Experian to submit to them several Times