davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
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 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 XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2021-04-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Insight Management Partners, LLC (MI)

The phone numbers listed have called me everyday, since XX/XX/XXXX. Sometimes every other day. I first received a phone call from XXXX and the individual stated " XXXX, do you plan on paying ''. They did not specify who they were or what the company was. That number called everyday, multiple times a day. I told them i paid my bill and to stop calling. Ever since then the XXXX number has called everyday. I told them I paid my bill and to stop calling. 

on XX/XX/XXXX i finally answered the phone and spoke to a guy who claimed I didn't pay a bill. We spoke for about 20-25 minutes and told me an amount that does not match up to any of my past purchases. I actually went to the company i made the purchase with and the " debt collector '' is asking for more than that amount. before the phone call ended he purposed an offer that was about 60 % off the debt. I told him id talk about this to my wife. He then called 2 times that same day and 2 times today ( XX/XX/XXXX ). 

" This is an attempt to collect a debt, and any information obtained will be used for that purpose '' was never recited to me during any of the conversations. I never got any letters. 

This purchase was made back in XXXX. I know we paid it but to be 100 % certain i have pulled all 3 credit reports and have contacted a handful of debt management companies and its not on any reports. I believe this is a scam and I would like this company to stop calling me, especially everyday multiple times a day. I was even threatened with him telling me its in legal status.
Consumer complaint received 2021-04-08
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. (CA)

There are five accounts on my credit report that are not mine I have gone thru this with Experian and XXXX  but they are still reporting these fraudulent accounts and I have opened an ftc I have called and been disputing this since XXXX of 2020 I need these accounts off my report because they don't belong to me. 

XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Inquiries XXXX XXXX  XXXX
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

On Friday XX/XX/XXXX I was able to review my Experian credit report. I noticed that on the following dates, the following companies inquired, completed a hard inquiry on my Experian credit report WITHOUT my consent or permission. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX On neither of those two dates did I authorize either one of those companies to make a formal inquiry on my Experian credit report. I am formally requesting that Experian REMOVE both of those hard inquiries from my Experian credit report. It is affecting my current credit score. Also, I have been a victim of identity theft in the past.
Consumer complaint received 2022-04-06
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 XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-11
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. (AL)

On my credit report in XXXX the company began reporting my account as delinquent and placed it in collections/ charge off. In XXXX after consistently reporting my account as a charge off collection, they began reporting the account as open and late XXXX days. Since XXXX they have been reporting it monthly as a XXXX days late which continues to hurt the chances of my score rising and has had a greater impact on my score verses when they were reporting the collection/charge off. I have not consented to any payments or provided any payments since XXXX and have had no contact with them or any representatives of theirs. Nonetheless they have began reporting as if I became delinquent at a later date, which has not only significantly impacted my score monthly but has also lead to the statue of limitations to be extended by XXXX years. This account was suppose to be deleted in XXXX and is now scheduled for deflection in XXXX. Thats almost XXXX years past the start of the loan and the last actual payment made towards the loan. I have disputed but continue to be denied although I have prof of the account showing collections and chafed off during the years XXXX, & XXXX.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I already sent a letter to the creditors asking to remove these Late Payments they have not abiaded by what i have requested they also Violated my Consumer Law they didnt give me the option to Opt-Out according to this information reporting to a Third party. 

So the Following Accounts Have Violated my rights Law states that its Ilegal to Report Late Payments on a Consumer XXXX Report. These are the Following Accounts : Credtiors Name : Acct Number : Dates : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX / XXXX XXXX XXXX Dates Open : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; 15 USC 1666b : Timing of payments a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Consumer complaint received 2022-07-30
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)

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX The credit bureau reported information on my credit report that they have been unable to verify and that I have not consented to. 

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions. 

I requested an investigation into the account and the credit bureaus have failed to provide me with any verification of this account. I can not trust the accuracy of this reporting with several inconsistencies in the alleged information. If this account is truly accurate, the information reported across all bureaus ( including the last activity and reporting date ) would be an exact match. 

Because of these inconsistencies I specifically requested the contract, note, or any other instrument bearing my signature. I requested bank transactionsthat belong to this company that would provemy payments were not accepted on time. As part of the verification investigation, I also asked for the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Again, the credit bureau was unable to provide any of these items or any other documentation verifying a thorough investigation was completed. 

As a result of this unverifiable information, I request that the reporting of this account be removed from my credit report.
Consumer complaint received 2022-11-19
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. (CA)

In XXXX or XXXX of 2022, there were fraudulent/ unauthorized charges on my credit card in the amount of {$200.00}. I called my credit card company and filed a dispute for these charges. I was informed the transaction would be investigated and after 30 days would receive the results. After 35 days with no update, I reached out to the company to see what was going on. I was then told that my account would be credited the {$200.00} and that any past due/late fees accrued during this time would be waived. 
Another month passed and I received notice from my credit bureau that the account was delinquent and over the spending limit. My XXXX XXXX dropped significantly due to these claims. I once again reached out to my credit card company and was told that the account should have been credited {$200.00} back in XXXX and the past due and late fees should have dropped off. The representative could not explain to me why the company had not yet processed the credit and removal of any fees. I received a letter in XXXX that my account has been closed " per my request ''. I never requested for my account to be closed and once again, the representative could not give me information as to why the account was closed. The credit bureau is reporting a late/delinquent/closed account for my XXXX XXXX account, all of which is inaccurate and damaging. The company failed to remove my late fees and past due fees the accrued in association with an account credit of {$200.00} that was supposed to be honored. Due to their negligence, my account went past the spending limit due to late/past due fees and no promised credit.
Consumer complaint received 2022-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (GA)

First Progress Card was opened as a result of identity theft. I have placed a fraud alert on my credit reports and filed an identity theft report. I sent a dispute with my identity theft report to all three bureaus. I have attached the tracking numbers to my letters and the identity theft report as well.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

XXXX refuses to cancel the " XXXX XXXX '' service I never signed up for because I have no active accounts with them. I closed out and paid off all balances due so when I call they can not find an account to remove me from this service. I have tried 5 times to talk to someone and no one can remove me from their list. I do not authorize this service.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

XXXX unauthorized transactions were made using my debit card totaling a significant XXXX. The first XXXX were made on XX/XX/2022 in the amount of XXXX for a " XXXX XXXX '' and XXXX for " XXXX XXXX XXXX ''. The XXXX transaction was XX/XX/2022 for XXXX. My phone was stolen and either my card cloned or numbers used. I contacted Chime Bank about this. The disputes were closed in less than XXXX XXXX which isn't sufficient time to investigate XXXX transaction claims. I supplied supporting documents like the police report I filed. My identity was XXXX in XXXX and I had to file a police report due to this and freeze my credit file. They believe these XXXX transactions are also related to my identity theft and police are investigating this crime. Chime didn't review sufficiently my documents I sent and just denied all XXXX unauthorized transactions- without proper investigation. They also misquoted what I said in the dispute- I said someone had access to my numbers but not the card via my stolen cell phone. They never provided me a proper denial letter which is required under regulation XXXX I need provisional credit while a proper investigation is conducted. They just denied it without any investigation and I will seek legal action if it's not dealt with properly. I'm a XXXX XXXX loyal Chime customer and so disappointed. Please help me resolve this or it will go to court as Chime isn't following correct business practices for denial letters under regulation XXXX.
Consumer complaint received 2022-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT YHE FEDERAL TRADE COMMISSION THE INFORMATION ALOND WITH THIS IDENTITY THEFT AFFIDAVIT! I DEMAND THESE ITEMS GET REMOVE IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING!
Consumer complaint received 2021-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC (IL)

This is a fraud, looking for someone about a debt. Saying its from XXXX XXXX or somebody. This is not even a real debt collection company! The call every single day in the XXXX XXXX. hour. I have called and complained and told them this is an office but they always try to keep you on the phone to continue the scam ... and worst of all they are calling a company extension, not an individual. Arrest them!
Consumer complaint received 2021-04-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cawley & Bergmann, LLP (VA)

i am writing this complaint about cawley & bergmann llc. debt collections. 

in XX/XX/XXXX i was contacted by them about a debt that i can't confirm the total if i own or not, They informed me i could get a discount if i agree to pay XXXX which XXXX up front with high pressure to come up with that amount. to get discount and XXXX a month auto withdrawal every month. i agreed cause i ran out of time to find the amount i may have owned before the discount would end. i paid XXXX on XXXX by direct withdrawal and then XXXX started the XXXX a month auto withdrawal.. the pandemic hit but i made sure the money was in the account. XX/XX/XXXX came around and i receive a email that i breach the contract and i own the full amount that i still cant verify. i called them and they said that XXXX payment wasn't received. i checked my account and no auto withdrawal was not made in XX/XX/XXXX, i said that money was in the account and asked what happened and was told i needed to make the payment myself, that auto pay was termed on XXXX. i said who did that i didn't and they said i only agreed to 12 payments. then the high pressure is applied again again with the how much money you can come up with how and we will see, they wanted the whole thing really. all XXXX now or else. i said why did the auto withdrawal stop and was told that i only oked 12 months, i oked it until it was paid off. i checked my emails and didn't receive anything stating that auto withdrawal was ending. the only email i did receive was that they were starting collections proceedings due to my breached of contract, they know i am a busy person and that was why auto pay was setup to begin with by them and what they wanted, i didn't look to see what was going on cause i am busy with all that is going on i though that all was being taken care of. 


then they were like what about your taxes and all other kinds of questions to get all they could at once. i called them on it and was given the run around about that it was all me. 

They stopped the auto withdrawal so that they could redo the same thing they did before and get a big amount of money which was XXXX this time per them and XXXX a month until the XXXX ballance from the first agreement is paid. i don't even know if that money i am now paying is going to the loan account or if they did this to send the new auto pay to another account and the original debt is already paid. 

why do they just stop taking auto payments before a debt is paid. why didn't i get a email to that fact? they stopped the payments and i think its all a game with them. they have caused hardship and such
Consumer complaint received 2022-09-27
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: CL Holdings LLC (SC)

In accordance with the FCRA re-aging is an illegal act due to 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

My name and address is incorrect on my credit report. My correct name is XXXX XXXX XXXX XXXX. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX PLEASE DELETE ALL ADDRESSES, I HAVE NEVER RESIDE AT THESE LOCATIONS : XXXX XXXX XXXX FL XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX FL XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX AV, XXXX, NY XXXX PLEASE REMOVE THE FOLLOWING NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-08
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. (UT)

I have been disputing a very serious error on my credit file and the company - XXXX XXXX and Experian has not fixed the error. Under the FCRA they are to report accurate information and they are NOT. ( I have attached proof of this from the lender who denied my loan ) I opened a Home improvement loan from XXXX XXXX It is Paid off and taken care of last year sometime.. HOWEVER, they are reporting to credit as a MORTGAGE which they have advised me that they in fact are NOT a mortgage company. 
Because they are reporting to the credit bureau somehow as a Mortgage, I have just been denied by my mortgage company to buy the house I am under contract to purchase. 
My lender said the reason for the denial is because there are 60+ Day late payments on this Mortgage with XXXX XXXX which I DO NOT HAVE A MORTGAGE with them nor are they a mortgage company. 
When we dispute with XXXX XXXX they say that they are not reporting as a mortgage to Experian. Experian says they are reporting that way. So they blame each other and nobody is fixing this issue! 
This has already cost me money and if I lose this house I will be losing my earnest deposit and I will SUE you guys as I have already spoken to my attorney. You have caused me to be denied and it is an error and Their fault. I need this fixed like last week.