davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (FL)

I completed a identity theft report with the FTC and XXXX, Experian, and XXXX are still reporting the alleged account. Below is the law all ( 3 ) credit reporting agencies are in violation.

15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am filing this complaint to address several inaccuracies in my credit report, specifically related to incorrect personal information, like my name and address listed incorrectly, which could lead to more issues down the road. Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute incorrect information and that credit bureaus are required to investigate and make sure everything is accurate. I believe these personal details violate that standard of accuracy, and Id like some help to finally get this sorted out.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Collection XXXX XXXXXXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Collection XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Late/Open XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2020-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (OR)

Since Select Portfolio Servicing, Inc. took over servicing of the mortgage back in XXXX, I receive my monthly statement within a day or two before the due date, or in the case of this month, it was received the day after due date. I called in today to let them know of the issue, and they stated that it must be due to mail delays, as they send the statements out the day after generation. This would mean the the USPS is consistently holding onto this companies mail, or taking 18 days to deliver a piece of first class mail. I believe the delay is an attempt for the company to increase the amount of late payments, and generate extra servicing fees on the loans that they service. This is the only bill that is having these lengthy mail times or delays, so I have to assume that they are not actually mailing them out when they say they are, or that the Post Office is deliberately targeting this company for lengthy delays, ( which I don't believe is the case ).
Consumer complaint received 2021-02-08
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One / Neiman XXXX Open Date XX/XX/2014 Balance {$950.00} As a consumer, I have rights that are given to me to cover me through misinformation being cited on this credit report. At this stage, I need to make the last demand for assessment before I talk with my attorney for advice on how to deal with inaccurate and unverifiable items that are continuing to be affirmed as true. Please make sure to deliver me along with a copy with the agreement fixed or voice discussion where I granted billing me concerning this account.
Consumer complaint received 2020-06-29
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OneMain Finance Corporation (NY)

I applied online yesterday ( XXXX XXXX ) to get preapproval for a mortgage or loan to buy a foreclosure. I can not remember exactly which website this one was connected with, but I received an email this morning stating that they could help me, and to call their number. I called, and they actually agreed to increase the loan amount to be able to cover the whole price of the house I wanted to buy. We were disconnected because of issues on their end, so I emailed them back. After a few minutes, " XXXX '' called back and asked for my bank login information so that they could " link with their system to deposit the funds ''. I hung up on them, and Ive called the company they were reporting to be from. OneMain didnt even have my application on file. The email the messages were sent from is  XXX  XXXX and the telephone number used to get into contact with them is XXXX XXXX XXXX XXXX XXXX. 
My email is XXXX and my cell phone is ( XXXX ) XXXX. My name is XXXX XXXX, if you have need to contact me, I will save the emails for 2 weeks, if you need/ want them.
Consumer complaint received 2020-07-07
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: OPORTUN FINANCIAL CORPORATION (CA)

Oportun has been in continuous violation of an unauthorized credit inquiry on my credit report which still hasnt been removed as of todays date and continues to violate my credit by reporting an negative account with inaccurate information. Both violations have caused significant damage and I am gathering enough information to seek remedy for the damages it has caused me. STOP stating your following the FCRA when you know you are NOT!
Consumer complaint received 2020-07-07
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: S&S Physician Services, Inc. (TX)

I reached out to Harvest Associates inc. via postal mail ( 1 ) ( XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/2020. It was received by the company XX/XX/XXXX. Which the company still hasnt updated the credit companies that this account is in dispute which is another violations of the many i discover.
Consumer complaint received 2020-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

I've have disputed this account with XXXX XXXX XXXX last year in 2019 and they didn't have sufficient information to come after me for debt because the debt isn't mine.Once it was proven debt wasn't mine the company ceased collections and removed negative information off my credit report. Now I see Credence bought this debt from XXXX XXXX XXXX  from a portfolio of paper ( debt ). Its my understanding that its illegal and a violation if debt was deleted from my credit report and reinserted from another company? My attorney XXXX XXXX XXXX, XXXX, Florida  told me that if any company try to buy that debt and try to collect to let him know.
Consumer complaint received 2020-07-07
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. (NY)

The Credit Bureau previously deleted an account from my report in accordance with the Fair credit reporting Act-. The account was reinserted on my report without any notice or reasons from my dispute. 

PREVIOUSLY DELETED - XXXX XXXX XXXX - ACCT + XXXX - Credit report # XXXX REINSERTED as XXXX. XXXX XXXX -Original creditor- XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX
Consumer complaint received 2022-11-30
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: CORELOGIC INC (MS)

On XX/XX/22, I notified the credit bureaus and secondary consumer reporting agencies that I am a victim of identity theft. I submitted an identity theft report. As of right now, the items listed on my identity theft report have not been removed. According to Section 605B, these items were to be removed from my file within 4 business days! Also, no accounts can be furnished on my credit file without my written consent! I have never given anyone written consent to furnish anything on my file! I also spoke with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They have told me over the phone, and in writing that they do not furnish any information to the credit bureaus. Upon further investigation, I found out that this information was obtained from XXXX, XXXX, XXXX, and possibly other illegal means. I do have a right to privacy! You will not continue to commit defamation to my character. False information will not be illegally shared about me.
Consumer complaint received 2021-11-12
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. (CO)

Hello, this is XXXX XXXX I want to submit this complaint because I have sent three rounds of dispute letters to TransUnion. One for the illegal collection fees on the account. And two asking for the original contracts of the supposed account. Three, asking for method of verification. After all this accounts remain with no method of verification and illegaly reinsertion of collection agency once already removed from credit report.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (FL)

Due to identity fraud on my debit account with XXXX XXXX, they had to change my bank account number entirely. I did update my number on American Express, yet for some reason, they charged my old debit number for my credit card payment. This was an additional payment ; no payment was required at this time, and the money was in my account. The bank had just changed the number. Obviously, when American Express charged the wrong bank account number ( for both of my AMEX cards ), the payments were rejected. I've already re-made these payments ; however, AMEX charges me a {$29.00} fee on each account, which is not fair. I messaged the online chat system about this, and the representative recommended calling customer service. However, there are extraordinarily long wait times. Attached is documentation regarding the fraud case that I am dealing with that has led to XXXX XXXX changing my bank account number. I would not make an extra payment that was not required if the funds were not there, and it is not right that I am being charged a return payment fee in this circumstance.
Consumer complaint received 2020-07-07
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)

The Credit Bureau previously deleted an account from my report in accordance with the Fair credit reporting Act-. The account was reinserted on my report without any notice or reasons from my dispute. 

PREVIOUSLY DELETED - XXXX XXXX XXXX - ACCT + XXXX - Credit report # XXXX REINSERTED as XXXX. XXXX XXXX -Original creditor- XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX
Consumer complaint received 2022-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have noticed that XXXX has placed XXXX unauthorized hard inquiries on my credit report. I have not given any lawful consent for any of the credit reporting agencies to furnish any negative information on my report. This is my written consent to opt out of any furnishing of any non public information including inquiries hard and soft. These inquiries are to be removed immediately. An identity theft report has been attached, and a police report has been filed as well.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: T.S. Holdings (MI)

I wanted to speak to XXXX XXXX  about my Debt collection account. There is a number listed for XXXX XXXX  but after speaking to the agent it Was more of him trying to help me with a debt I ask if this was XXXX  XXXX  twice and both times was confirmed after giving the last 4 digits I was asked for a {$1.00} payment to get help with this issue. This is fraud because I asked if this was XXXX XXXX. I am worried about my social number and I was asked To push a Link. There number was XXXX ( XXXX ) XXXX
Consumer complaint received 2024-11-12
Product: Credit reporting 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 reaching out for your assistance with the incorrect account on my credit report. This has damaged my reputation as a customer, and I need your help. I am requesting that these accounts be removed due to the inaccurate and negative reporting.
Consumer complaint received 2022-03-22
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: EQUIFAX, INC. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-10-27
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: Navient Solutions, LLC. (OR)

I submitted a dispute, several times now, because XXXX refuses to fix my credit report. My XXXX XXXX loans are all DISCHARGED AND CLOSED. I want them removed. I disputed it with XXXX. XXXX sent me a letter saying Navient is claiming that they are not closed and refuses to remove them. One of the two of them is LYING because I have proof they are closed. This is the THIRD complaint on XXXX. SOMEONE NEEDS TO DO THEIR JOB AND FIX IT. I am ONCE AGAIN submitting proof the loans should be reported as CLOSED.
Consumer complaint received 2020-07-08
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: Solomon and Solomon, P.C. (NY)

I had a old XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) bill that I have been paying on for over a year. Solomon and Solomon was the collection agency. But I worked directly with XXXX XXXX XXXX to pay it off. I have disputed this before with XXXX, they always say the same thing. It meets fair credit reporting standards. My first dispute was that the amounts were wrong, but this last time it was that I have paid it off. My original file date was XX/XX/XXXX. The amount they say i owe is {$2000.00}. My account is up to date. I disputed this same thing on my XXXX XXXX credit report and they did thier jobs a removed it. In less than a week.
Consumer complaint received 2023-04-07
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. (TX)

This complaint is addressed to EXPERIAN. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported.

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2023-03-23
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. (MD)

I need these accounts removed from my credit report there are two different collection agencies reporting on the same account XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the same accounts. 

XXXX XXXX XXXX : XXXX XXXX These accounts have been paid in full but are still reporting to XXXX XXXX and Experian
Consumer complaint received 2020-12-03
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

I sold a stock on XXXX for {$54.00} on XX/XX/XXXX, and my bank account was mysteriously removed from the app. XXXX reversed the transaction as a result and took my earnings from the stock, and also charged a {$9.00} fee for reversing the transaction. The app 's service used for connecting bank accounts to XXXX, known as XXXX, has not allowed me to connect my bank account to XXXX. Over the past three weeks, I have tried connecting my bank account to XXXX, but to no avail. 

I also tried to pay a friend on XXXX because he put a down payment on an XXXX  we rented for vacation. XXXX also uses XXXX to connect bank accounts. For some reason, PNC is unable to connect to XXXX as well, and I haven't been able to make transactions on XXXX during the same time frame as the encounter with XXXX. 

Today, XXXX  gave me the option to file a complaint to the CFPB, and I'm hoping this can solve the issues I've been dealing with regarding my bank account and other applications.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Albert Corporation (NY)

I have an account with Albert, a company in connection with XXXX XXXX. I used them for months without issue and then I started losing deposits. At first it was my direct deposit from my employer and I thought this was a mistake on my payroll provider. Until a week later where I did not a receive a refund deposit from my school either. When trying to reach Albert support was unhelpful. They can only be reached through text and gave me a run around involving what happened to my money, stating that they see know deposits from either. I have deposited money into this account from both multiple times over, this is not a routing number or account number error. Im doubting support even truly has access to accounts, they didnt ask any verifying information about who I was. Im heading in the direction of going to court.
Consumer complaint received 2021-02-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Pendrick Capital Partners (FL)

Affiliate Assets Solutions with phone number XXXX, keep calling me, my family, my friends and my employer constantly harassing me although I have told them to stop numerous of times. Because of them constantly calling my job and threatening my employer, I really worried about losing my job.