davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-24
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)

On XX/XX/2020 I settled with XXXX XXXX XXXX XXXX XXXX collection agency for 3 payments of {$1500.00}. I made my first payment on XX/XX/2020. The amount of my payment was reported to all 3 credit bureaus Trans Union XXXX  and XXXX. On XX/XX/2020 Trans Union updated my payment and the balance went from {$5400.00} to {$4600.00} which helped my credit score. The other two reporting agencies XXXX  and XXXX  then followed reporting correct information. I am in the middle of purchasing a home and on XX/XX/XXXX my credit score was effected due to a major change on my Trans Union score Im this date they reported my XXXX XXXX  account that I just settled with back to {$5400.00} so this showed that the balance increased when it did not! I contacted Trans Union and XXXX XXXX XXXX. XXXX XXXX XXXX  advises they reported the correct information and that Trans Union made a mistake. Trans Union has now updated the correct balance today as of XX/XX/2020 and now my credit score has dropped 31 points and 44 points on my mortgage score and now I can not close on my house!!!!!!!!!! If this was never reported incorrect on Trans Union my scores would of not been effected!!!!!
Consumer complaint received 2020-09-24
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. (GA)

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2022-07-14
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: EQUIFAX, INC. (CA)

I submitted a Complaint last XX/XX/22 but I found out that my XXXX XXXX XXXXXXXX, XXXX, and XXXX were closed. I am resubmitting my complaint today to update this suspicious information. I think the credit bureaus have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the unverifiable account found on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-07-28
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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2021-05-20
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

This is not my account nor did I sign anything for this account please review and delete ... this is nog my account its been fraudulently used for over 2 yrs.. opened XX/XX/2017 2017
Consumer complaint received 2019-03-19
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. (MN)

I've been working toward cleaning up my credit. When I recently received a credit report I noticed that my previous mortgage was being reported incorrectly. I then started working with a credit repair company called XXXX XXXX. They disputed my Mortgage results from XXXX XXXX XXXX XXXX. XXXX and XXXX fixed both the Payment status and creditor remarks. Experian has not updated this information. I've disputed this information through experian twice already. Still nothing has changed. The first dispute response was report # XXXX for XX/XX/XXXX. The second dispute response was Report # XXXX for XX/XX/XXXX. 

Currently XXXX and XXXX report Current in payment status. In Creditor remarks XXXX   reports Foreclosure discontinued and XXXX  reports Account Paid after foreclosure started, In payment status Experian reports Foreclosure and in creditor remarks credit grantor reclaimed collateral to settle defaulted mortgage. This information is incorrect.
Consumer complaint received 2018-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Bass & Associates, P.C., Attorneys at Law (AR)

The complaint is against Bass & Associates a debt collection agency out of XXXX, AZ and XXXX, TX. They are fraudlent and misrepresenting legal debts fees, they harass their customers and go behind customers back and file wage garnishers and sending wage garnishments while their asking for documents, no hearing but they are taking money without giving the customer a chance to set up a payment plan I also disputed some loans and they are trying to garnish my wages, I provided proof of why I did not owe and they sent it behind my back and told me the garnishment would proceed and im going to say it my name is XXXX XXXX and I feel my consumer rights have been violated, im filing for harassment, dishonest business practices, misrepresenting the legal status of a debt, threatnening with lawsuit and wage garnishment, demanding a amount thats not supported by law or the original creditor amount, this is a FDCPA violation. I provided proof of the dispute and they still proceeded with the garnishment without a hearing at a rate of 15 %. These people almost left me homeless. I want this matter taken care of as soon as possible I tried to reach out to them, but it was a slap in the face. After I provided documents I was told it would be a additional 60 days for a hearing while they proceeded with the garnishment, I even faxed paperwork and was told it would be 24-48 hours before it would be looked at. The school closed and I told them that and I disputed the other loans because they were too much for a XXXX XXXX loans totaling {$60000.00} dollars when the original amount was only {$12000.00} for the program. I also explained to them that I have been a victim of identity theft as well and I sent documents they dont care about that.
Consumer complaint received 2020-09-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (MI)

A few months ago I noticed a collections account from XX/XX/XXXX. I investigated the account and it was from an emergency visit that was sent over to my insurance and they even paid it. To my knowledge the balance was taken care of and it even reflects in the paperwork they sent me. I requested validation for the debt and I was sent information showing where my insurance had paid and they somehow ended up on my credit file. I have always had the best XX/XX/XXXX from my job and have never had to pay for emergency service out of pocket. I was never sent any paperwork or information for this account EVER, THEY JUST PUT ME IN DEFAULT, the address isn't even correct on their records. On top of that, this company has violated my HIPAA Rights by sending me my own medical services rendered and Dr. information WITHOUT SIGNED HIPAA RELEASE FORM. I have ran a complaint with the CFPB with no avail, please supervise the deletion of this inaccurate, invalidated, attack on my character, and ability to borrow.
Consumer complaint received 2022-04-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (SC)

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2020-09-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capstone Credit & Collection, LLC. (FL)

Capstone Credit and Collections settled a debt for {$1000.00}. Along with other debt collection payments done the same week the result was the removal of the collection from XXXX ; however Capstone Credit and Collection out of XXXX Florida and has not removed their name from my credit report after the debt was paid in full. They also refused to email a receipt of payment. They were called to dispute the matter of the removing the collection, and Capstone said if an addition {$1400.00} is paid to them they will removed it from the credit report. XXXX has put in a dispute for a fully paid account and further believes this is an unfair business practice. According to XXXX they have to keep reporting the collection as long as Capstone sends in an update ; however they see no reason why Capstone would charge an additional fee to remove it from the credit report. 
Capstone Credit and Collection agents both man and woman were very rude, aggressive, threatening, and demeaning ; even going as far as to yell and hang the phone up before the conversation was finished. The XXXX XXXX XXXX had said Capstone Credit out of XXXX Florida has over 38 complaints filed and has not responded to any.
Consumer complaint received 2022-04-20
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX 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 information 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 2021-05-20
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)

Any person ( Experian ) who is negligent in failing to comply with any requirement imposed under the FCRA with respect to any consumer is liable to that consumer, Experian has failed to take proper care of me the consumer by allowing these corporations to pull my credit report with out my consent. They went as far as adding " an extensive fraud alert '' on my report which doesn't work as you can see by the number of inquires I got recently. 
Experian stated in my last complaint " Please note that Experian does not receive a copy of any applications made to credit grantors '' in other words they have no proof of anything that occurred and still add false and deceptive items on my credit report. 
Any person ( Experian ) who willfully fails to comply with any requirement imposed under the FCRA with respect to any consumer, I have sent in an FTC report stating I did not authorize nor benefit form these inquires in fact they damaged my reputation by making my score drop causing damage to me the natural person/consumer. This was Identity Theft due to me not giving consent. 
Experian stated that the inquires shown on my credit report are FACTUAL records of the companies who have assessed my file I don't understand how Experian can state facts when they were not present for these alleged transactions as they stated themselves. Pursuant to 1681a ( e ) it clearly states such information shall not include specific FACTUAL information on a consumers credit report. At this point we can see that Experian only goes off of here say they can not prove or have any factual information in what took place so them declining my block is a violation.
Consumer complaint received 2022-09-26
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. (IL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, 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 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Prosper Marketplace, Inc. (CA)

I would like to request the following items to be remove off my credit report " XXXX and XXXX " in the next 30-45 days if possible. I have never applied for credit or benefit financially in anyway from these two companies. I previously contacted " XXXX XXXX  '' and explained the situation and they assured me to fix the problem. It's been 8 months since the last contact and nothing has been resolved. The following item is damaged my credit and it's jeopardizing my ability to find housing because my credit decreased Please expedite my case since I have worked diligently to have a decent credit and having a negative or a hard inquire mark in credit report is jeopardizing my ability to find housing or credit anywhere else. therefore Id like to see this matter to be resolve in sensitive time manner. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-05-20
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: EQUIFAX, INC. (TX)

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Consumer complaint received 2021-05-20
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. (NY)

This company has the wrong date of birth reporting fin my file Ive tried calling them to have them change it they refuse Ive sent them my drivers license and even still they have refused to change it they have someone elses Information reporting on my credit file
Consumer complaint received 2020-09-20
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: EQUIFAX, INC. (OH)

I have not bee late on this account there was not full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XXXX of this year showing I was late and that have NEVER been provided. 

XXXX XXXX Account # XXXX Please correct payment history as it not reporting correctly.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (OH)

I received a letter titled " Important Information about your account '' from XXXX XXXX. I references " your account ending in XXXX ''. I do not have, nor have ever applied for an account with this company. The letter gives no phone number to call but does give a website. When I visited the website to find a phone number to call or an email address to write to, the links provided simply circled back to the home page.
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (NC)

I hope all is well.. 

I have went online to Experian unfreeze on the website and I have even mailed a certified letter to Experian with all my information they needed to unfreeze my report and Experian still has my credit report froze this has been happening for a very long time, I need it unfrozen for it to be able to be accessed for something, for a company. I need my credit unfreeze for the whole month of XXXX as stated in my certified letter. Please unfreeze Experian I have asked several times and they keep saying its unfrozen but its honestly not. Please look in to this, something isnt right. Thank you very much for your time. Have a wonderful day and please continue to be safe.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I had a loan with Credit Acceptance Corp and it was the worst mistake of my life. So I refinanced this loan but I wish I had refinanced sooner but they were giving me inaccurate information about refinancing. I refinanced the loan with XXXX and I wish I had done it sooner. I got a call from a collection agency stating that I owed a small balance. I sent them a certified letter asking why they say I owed a balance when I had a letter stating that my account was paid in full. I received another letter from Credit Acceptance stating that my account was paid in Full in XX/XX/XXXX. But in XX/XX/XXXX they reported to all 3 credit bureaus that the account is in collections. The company then sent me another letter stating that my account was paid in full. The company even sent me a refund check for {$47.00} in over payment to my account. My credit report did not show any late payments before they sent this straight to collections and it is now it is still on all of my reports even though I have been disputing it and it caused me to be denied another car loan.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''
Consumer complaint received 2019-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have been paying and paying and paying for years to this XXXX loan servicer and all my balance does is increase! 
NAVIENT LOANS. 
I pay {$200.00} monthly and less then {$40.00} goes to my principal. The rest ( {$160.00} ish ) goes to interest. But unbelievably, that isnt enough interest to cover the monthly interest charge and I currently owe more then my original principal! 
XXXX! 
I have called more then once about this only to receive the run around. I have asked to send extra money monthly to just go to my principal, but they say it is not allowed and will just be part of my next payment. 
I need help with this! Im debating speaking with an attorney.