davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-04
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Collection Bureau, Inc. (FL)

I was contacted by United Collection Bureau , Inc on XX/XX/2021. Regarding two debts which tgey claimed was assigned to them by XXXX XXXX XXXX One debt was {$680.00} reference number XXXX, the other in the amount of {$810.00} reference number XXXX. They offered me a settlement for both accounts and that they in return would remove both negative accounts from my credit bureaus reports. Though this is a different time for me financially, I decided to sacrifice the little money I had in an effort to improve my credit rating by eliminating bad debt. On XXXX XXXX I spoke to a supervisor Ms.XXXX XXXX that ensured me that once the payment was made both accounts would be removed from my credit bureaus reports. I made a payment for the agreed settlement amounts on XX/XX/2021, the payment cleared my bank account on XX/XX/XXXX, XXXX also received a receipt from United Collection Bureau XXXX Inc confirming that the payment was received and both accounts were settled. As of today XX/XX/2021 both accounts remain on all three credit bureaus. These accounts were settled and paid as agreed by the creditor/collection company. I would like both accounts removed from all three credit bureaus as agreed as this is a violation of the Fair Credit Reporting Act ( FCRA ). Please see all attached correspondence related to the settlement and payment of the above referenced account.
Consumer complaint received 2020-05-04
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX {$3800.00} XXXX  XXXX {$840.00} XXXX XXXX {$510.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2022-03-22
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: EQUIFAX, INC. (AL)

In late XXXX I discovered that Equifax was not pulling any of my data, offering the code NH for No Hit. On XX/XX/XXXX, I faxed required information that a representative told me I needed including a social security card, an ID, and a piece of mail with my name and current address. On XX/XX/XXXX, I received a letter from them that told me the information I gave them was not matched on their files, which the problem being I currently have no file. On XX/XX/XXXX I mailed them another letter with information including an ID and social security card. It is now XX/XX/XXXX and I still have not received any correspondence, despite them saying it may take up to 5 business days. 

I have no issues with XXXX or XXXX XXXX, but the issues with Equifax are preventing me from pursuing an apartment and moving forward in life.
Consumer complaint received 2021-11-25
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. (IL)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2020-05-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WYNDHAM CAPITAL MORTGAGE, INC. (FL)

I applied to refinance my home through Wyndham Capital Mortgage. The mortgage agent, XXXX XXXX, Senior Mortgage Consultant ( NMLS XXXX ). I was told that my credit scores are XXXX, XXXX, and XXXX ( XXXX, XXXX, and XXXX respectively ). Credit scores were pulled XX/XX/2020. My XXXX score was XXXX as of XX/XX/2020. When I pulled my scores, they are significantly higher ( XXXX, XXXX, and XXXX ). I requested the documentation behind their scores and I am awaiting them in the mail. The variance in these scores, places me below XXXX which means my rates are higher and there is more rigor in deciding my fate for a refinance of my home. I have worked with credit companies and mortgage companies and never have encountered a variance this high. I pressed XXXX for clarification on these scores and he verified that they were indeed XXXX scores and that my credit score is different form credit monitoring. I understand that and let him know that I pulled the score directly from XXXX today XX/XX/2020. I am concerned that other factors not on my credit report or monitoring may be taken into account and I don't know what those factors are.
Consumer complaint received 2022-10-18
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. (TX)

I AM NOT A CREDIT REPAIR COMPANY. I AM THE NATURAL PERSON THAT OWNS THIS ACCOUNT AND THE SSN ATTACHED. I have been disputing these accounts for years now. I read in an article date XX/XX/XXXX ... " TransUnion, XXXX, XXXX may have violated credit reporting rules, XXXX XXXX XXXX says '' ... ... it also states " XXXX said in his XXXX XXXX letter that the majority of credit report disputes have not resulted in the correction or removal of reported errors from credit reports. The subcommittee found that XXXX changed between 43 % and 47 % of the disputed items each year from XXXX through XXXX. XXXX corrected about 52 % of the disputed late payments or other bad data and TransUnion fixed between 49 % and 53 % of disputed credit reports during this time, the subcommittee found ... '' These companies DID NOT investigate my accounts. Per the CFPB website .... " On your side through lifes financial moments. 
Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions ... .. '' this is FALSE. This company has not responded to my disputes and the CFPB has not done anything to help me. For the past two years this has caused much XXXX. If nothing is done, I will be joining a class action lawsuit against your company. Previous disputes : XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2020-05-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (MI)

I told them they broke the law my giving my personal information about my debt to another individual and we could settle this out of court. They are sueing me for the debt, I filled a counter suite and have an upcoming court date, but collection calls still contine 2-3 calls a day. I have call records, documentations and documents> LVNV funding LLC
Consumer complaint received 2020-05-04
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. (TX)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number **** XXXX. ( Please see page attached from my credit report. ) I have never missed a scheduled monthly payment on this account. I have attached bank statements from XXXX and XXXX reflecting each timely monthly payment for reference. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-04
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-05-04
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

I made an ATM deposit in an amount of XXXX in the form of a stimulus check and now I am told I have to wait because my name does not match. I recently was divorced and offered my drivers license and divorce decree to prove my name is legally or was XXXX XXXX or XXXX XXXX XXXX however now I am afraid I will not be able to get my rent paid because of this issue of have my car payment deducted on XX/XX/2020 I spoke to three representatives and no one took any initiative or had any emphathy towards me. This is not acceptable for a banking institution to treat customers this way. My rent payment will be deducted shortly and no resolution was given to me I feel this is unfair. The bank location is BBVA in XXXX  Texas phone number is XXXX My bank acct ends in XXXX Last four of ssn XXXX XXXX XXXX is listed in my account Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX I need my check back ASAP or deposited to my account I have all my documents in place. I do not have an official name change however legally on my drivers license I am XXXX XXXX XXXX and have proof of my identity Please help me my call back number is XXXX
Consumer complaint received 2020-05-04
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2020, I purchased online from XXXX XXXX a new pair of shoes with the amount of {$65.00} and paid by Capital One credit card. Until now, I still have not received the merchandise, which I purchased. 

On or about XX/XX/2020, I called and wrote a dispute letter to Capital One Credit Card about the merchandise which I still have not received. 

On or about XX/XX/2020 I called Capital One again to dispute about my purchase. 
Until now, Capital One Credit Card refused to resolve the issue.
Consumer complaint received 2020-05-04
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. (AL)

XXXX ; XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$950.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account had previously been deleted from my credit report because it was reporting in error. Moving forward to present day, apparently this account has since been re-aged and sold to ANOTHER collection agency. This is a violation of the Fair Credit Reporting Act. I have long since closed this account and during that period of time I made arrangements for the company to pick-up their equipment following the guidelines outlined by the company to return equipment. The company failed to process my return correctly and consequently, because of their error, this account was sent to collections. I never received any correspondence regarding this account and I was not aware that there was a collection until I obtained a copy of my most recent credit report. The false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for reasons unknown and won't assist me with getting it back up and going. I don't know whether this is some slip-up as I accept it must be. I have not had the option to find support from them for quite a long time however I just recollected that I could document a report on here as I feel they are not tackling their work appropriately and it is affecting me an incredible arrangement as I utilized PayPal habitually. My email connected to my PayPal is " XXXX ''
Consumer complaint received 2021-03-09
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. (FL)

I had a XXXX XXXX XXXX Financed with XXXX XXXX. In XXXX of XXXX, I sold the vehicle during a trade at a dealership and as such the final payment for the entire balance was paid to XXXX XXXX. Unfortunately, XXXX XXXX reported a late payment to the corresponding credit bureaus which has damaged my credit worthiness with inaccurate information. I spoke with a XXXX XXXX customer service representative who indicated that they have no record of a late payment reported to the credit agencies, however this is not the case. I would like to have this adverse information removed from my credit file as it is currently affecting my ability to obtain a mortgage.
Consumer complaint received 2021-12-23
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. (PA)

XXXX have violate 15 usc 1681n 15 USC 1681b permissible purpose ( a ) 15 USC 1691 ( d ) ( a ) ( 1 ) 15 USC 1681e 15 USC 6803 Violating my privacy reporting to financial institutions without my consent sharing my personal information 15 USC 1681a- ( B ) 15 USC 1681 Congressinal findings statement of purpose in regards to my current credit cards XXXX had 4 financial institutions decrease my credit limits which is legal my signed signature was an extension from my open end credit plan which caused me to lose XXXX of dollars during a pandemic..
Consumer complaint received 2021-03-10
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. (WI)

Debt collection Attempts to collect debt not owed Collections is not from original creditor. I do not owe XXXX XXXX XXXX and I do not have a contract assigned to XXXX XXXX XXXX XXXX XXXX changed the credit report to act as if they are the original creditor and also hard inquiries. I've never knowingly entered into a contract with XXXX XXXX XXXX and I've asked for the credit application which they refuse to provide also. 
I have given XXXX XXXX XXXX multiple notices XX/XX/2020 XXXX to remove this off of my credit to no avail. This matter is now being litigated. 

4. What product or service is your complaint about? 
SERVICE I've requested XXXX XXXX XXXX to provide me with proof of a bill of sale and the documents that are required per Wisconsin law and the refuse to provide them.
Consumer complaint received 2022-08-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CountryPlace Acceptance Corporation (TX)

Country place Mortgage provided documents to the CFPB and I compared them with what the title company has. Please explain to me why my husband and my signatures are all different and different check marks are checked? 

We have no idea what true what we paid for or anything for what our loan cost are.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credence Resource Management, LLC (NJ)

THERE WAS NO OPTION THAT CLOSELY RELATED TO MY ISSUE. I CALLED CREDENCE TO DISPUTE THIS ITEM AS I HAD DISPUTED IT THRU XXXX XXXX ONCE AND IT WAS REMOVED FROM MY CREDIT AND THEN RE-APPEARED. THIS ITEM WAS FROM A PROMOTION TO SWITCH FROM XXXX  TO XXXX. I DID WHAT I WAS SUPPOSED TO AND XXXX NEVER PAID XXXX. I DONT FEEL LIKE I SHOULD HAVE TO THIS IMPACT ME NEGATIVELY WHEN XXXX DID NOT DO WHAT THEY WERE SUPPOSED TO DO. I SPOKE WITH CREDENCE WHO SAID I SUPPOSEDLY RECEIVED A GIFT CARD TO PAY XXXX. I NEVER RECEIVED A GIFT CARD. IF SOMEONE IS WILLING TO INVESTIGATE IM SURE YOU CAN DETERMINE THAT ANY GIFT CARD THAT WAS SUPPOSEDLY SENT TO ME WAS NEVER USED ( THEY SHOULD HAVE THE CARD NUMBER ON FILE ) OR IF THE CARD WAS USED, THEN FURTHER INVESTIGATION WOULD SHOW THAT IT WAS NOT USED BY ME OR ANYONE THAT I KNOW. I OBTAINED PERMISSION FROM THE CREDENCE REP TO RECORD THE CALL. I WAS ASSURED COUNTLESS TIMES OVER THE COURSE OF OUR CALL THAT IF I SETTLE THE DEBT FOR LESS THE ITEM WOULD BE DELETED FROM MY CREDIT AND THAT I WOULD NOT REPORT AS " SETTLED FOR LESS '' OR ANYTHING TO THAT EFFECT. OF COURSE I GET A NOTIFICATION TODAY THAT SAYS THERE IS NEGATIVE ACTIVITY ON MY CREDIT AND THEY HAVE REPORTED IT AS " LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE '' I CALLED THEM TO ALLOW THEM THE OPPORTUNITY TO CORRECT THIS AND THEY REFUSED. AGAIN I HAVE THE INTITIAL CONVERSATION RECORDED AND CAN PROVIDE THAT IF YOU WOULD LIKE. I WANT TO MENTION AGAIN THAT I OBTAINED THE REPRESENTATIVES PERMISSION TO RECORD THE CALL. PLEASE PROCEED WITH AN INVESTIGATION BECAUSE IF I HAD NOT BEEN LIED TO I WOULD HAVE PAID THE BALANCE IN FULL WHICH IM SURE THEY WOULD HAVE WANTED. I CAN NOT AFFORD TO HAVE NEGATIVE ITEMS ON MY CREDIT AND THEY LIED TO OBTAIN A PAYMENT. UNETHICAL SHADY BUSINESS PRACTICES
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Since XXXX the credit bureaus are not updating my credit correctly, even do the creditors are saying they are reporting them. the only thing that show is the hard inquiry but never the approved loans and the payments, in attach is a letter from XXXX XXXX XXXX XXXX dated on XX/XX/XXXX that all information is being reported but in effect my credit reports do not reflect the reality of the case. I'm being punished on my credit score and my chances to get good rates on financing because of this issue.
Consumer complaint received 2020-05-04
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-05-04
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. (TN)

XXXX  and Transunion are incorrectly reporting a collection/charge-off account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2021-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2020-05-04
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$280.00} XXXX XXXX   XXXX {$960.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$530.00} XXXX/XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$93000.00}