davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (MD)

On Monday XX/XX/2019 around XXXX XXXX I received a phone call from a debt collector. The representative identified herself as XXXX from the Midland Credit Management Company. She advised me that the call was being recorded and that this debt will be sent to an attorney. In which I was a bit confused but however I continued with the conversation. She went on to explain about my debt with XXXX XXXX of XXXX and some odd dollars. Ms. XXXX then asked what could be done to clear this debt. I explained to her that at this moment I couldnt contribute anything toward this debt. However I did reach out to XXXX about a month of some ago to settle out this debt but was told that it was already charged off and sold to another company. Therefore the money I had was place on another debt account. But I will start working on paying this debt off next month. I explained that my income was limited due to a injury I sustained in an accident last year. This representative then started to get personal with asking me questions concerning what purchases did I make with this credit card? Have I been clear by my doctor, why I stopped paying this bill and so on. I began to get a bit frustrated and asked her why are you asking me these personal questions. She then stated because she was asking to get to know a little more about myself. I then told her that the questions she was asking have nothing to do with collecting money for this debt. She then went on stating that she was going to reach out to her supervisor to see what options that would be available for me to settle this debt. So I agreed to hold the line to explore my options. I was placed on hold for several minutes and then a male identified himself as XXXX supervisor. He went to asks why did I stop making payments on this debt. How can I make payments with other creditors and not make a payment on this debt. This debt isnt a priority to be paid because he have my credit report in front of him. That he can seen Im paying on other account but not this XXXX account. I explained to him that thats none of his concerns about what Im doing with my money. He then wanted to know why I was upset with the line of questions that were asked. I explained to him why, and that I feel as though that I feel like a victim of harassment. Also acknowledge that I was very patient with these two individual that question me for over eighteen minutes about a debt that I explained to them both that I was going to pay. I was extremely upset and ended the conversation immediately. Unfortunately, at that point I didnt find the need to continue on with this conversation. Because this matter couldnt be financially address until next month as I explained from the beginning of the conversation. I am very disappointed and upset with how I was treated by the individual that represent this company. Especially during this critical time of experiencing this financial hardship.
Consumer complaint received 2023-02-14
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. (SC)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The reporting agency XXXX, XXXX, Transunion continue to report incorrect information : don't investigate info existing ; report acct. status/ information incorrectly ; dispute not fixed ; reporting closed accounts; reporting updates to XXXX accounts ; reporting closed accounts in bankruptcy showing as updated ; showing XXXX accounts as updated ; old information appear over and over ; Showing info that belongs to someone else ; Receiving inquire to report not recognized ; receiving financial products after opt out. I last contact the reporting agency in XXXX 2023. I immediately was met with response of my credit score being decreased. This is a pattern when I file a complaint with the reporting agency, my score is immediately decreased. I also detect a pattern if my score increases by a day, it is met with a decrease from XXXX pts XXXX days later without no new reporting information. The people taking the reports are often hurried, irritated, incompetent, an unapologetic. I find this to be a cycle of XXXX  by these credit agencies. I have reached out to your agency multiple times without resolve. I would like to solve this without having to enlist an attorney as it is costly.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MD)

After looking through my consumer report in the beginning of XXXX of 2022 I noticed inaccurate accounts and information on my consumer report. The consumer reporting agencies never gave me my right to opt out and furthermore they never asked for permission to furnish this information. Further they have assumed this vital role and have infringed my right to privacy selling my information to a 3rd party debt collector and pursuant to 15 USC 1681 ( 4 ) my privacy has been invaded and damages have been done, the damages arose were to my mental health and my ability to get an apartment. Also, in pursuant to 15 USC 6802 obligations with respect to disclosures of personal information, ( b ) Opt out. A financial institution may not disclose nonpublic personal information to a non-affiliated third party. I have the right to opt out, but they are not giving me the right to. Experian, XXXX, and XXXX private policy explain how they protect the privacy of the consumer, but they allowed 3rd party debt collectors into my consumer report. Also in Pursuant to 15 USC 1681a ( 2 ) ( b ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility. Exclusions, the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. In pursuant to 15 USC1602 the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By any card that includes my drivers license, Social security card. To put everything together my student loan was approved but my social security number and drivers license were used a transaction of obtaining money and by law this can not be on my consumer report.
Consumer complaint received 2023-04-04
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-25
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Request for Removal of Fraudulent Accounts Due to Identity Theft PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT IMMEDIATELY XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Last 4 digit card numberXXXX Account opened:XXXX XX/XX/XXXX Account ClosedXXXX, XX/XX/XXXX Dear, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ] and XXXX XXXX XXXX Account Number : XXXX. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Government -issued ID to verify my identity An Identity theft report filed with the Federal Trade Commission Proof of Residency Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 15 U.S. Code 168Xe ) 15 U.S. Code 1681 ( 1 ) 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Please remove immediately Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-05
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. (IL)

I'm writing to delete the following information in my file. The items I need deleted are listed in the report. I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

All of the credit reporting agencies ( XXXX, XXXX, XXXX  ) except TransUnion have removed a student loan that was full of fraud until it was finally approved for XXXX Discharge in 2013 and closed. TransUnion refuses to delete or remove the loan. They also continue to re-post a phone number disconnected 3 years ago. 

How can I get TransUnion to remove the student loan, an old disconnected phone number, and old addresses? All of the other credit reporting agencies have done this voluntarily.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Acceptance Corporation (CA)

I had gone to XXXX XXXX XXXX for XXXX testing on XX/XX/XXXX. 
They billed my insurance and I have proof of my XXXX 
I received a letter recently from a debt collector called M. LEONARD & ASSOCIATES with a date of XX/XX/XXXX. However I received this mail about a month ago which was XXXX of XXXX. On the letter says they are collecting {$240.00} plus XXXX on behalf of XXXX XXXX XXXX. 
On my XXXX says XXXX XXXX has paid for the test and patient responsibility is {$0.00}. 
When I called M. LEONARD & ASSOCIATES, XXXX XXXX XXXX claims that XXXX had reached me through my email to authorize a charge which I did not respond. Also claimed that I had put an ( XXXX ) number, and demanded that I pay XXXX XXXXXXXX I have no record in my email that exer tried to reach me to authorize any amounts to pay. 
I have logged into my XXXX account and reviewed my chart, and the phone number is correct. I do not understand when I was financially responsible to pay the given amount. The covid testing was already paid for through my health insurance. XXXX never reached out for any authorization. I have proof through my insurance. M. LEONARD & ASSOCIATES has negatively impacted my credit report. It is creating an impact on my credibility.
Consumer complaint received 2022-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

XXXX XXXX XXXX
RE; RightPath Servicing
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

THEY TRIED TO HELP ME AFTER I TOLD THEM THAT I LOST MY JOB DUE COVI9 ON XXXX XXXX XXXX.  THEY OFFERED ME FOREBEARANCE PLAN WHICH I ACCEPTED.  IT WAS JUST LIKE A SET UP FOR ME TO LOSE MY HOME.  ON XXXX XXXX MY FOREBEARANCE PLAN WAS EXTENDED FOR SIX MONTHS THEN FOR XXXX XXXX XXXX RIGHTPATH SERVICING IS DEMANDING THAT I PAY STARTING XXXX XXXX XXXX MONTHLY PAYMENT MUCH MUCH HIGHER THAN THE MONTHLY PAYMENTS THAT I WAS EXPECTING BESIDES THE HOME INSURANCE WHICH WILL BE EXTREMELY HIGH.  ON XXXX XXXX I WAS CURRENT WITH MY MORTGAGE PAYMENTS.  SO IT JUST LOOKS LIKE WE THE PEOPLE ARE LOSING OUR HOMES IN A MASSIVE WAY.  SO HELP ME TO KEEP MY HOME BY GIVING ME AN ADDITIONAL 12 MONTHS FOREBEARANCE EXTENTION.  I HAVE BEEN PAYING MY MORTGAGE FOR 35 YEARS. RASING MY CHILDRE AS A SINGLE MOTHER. I AM A XXXX CITIZEN NOW I NEED MY HOME TO STAY.  THAK YOU
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts please investigate the unverifiable accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IA)

I checked my credit XX/XX/2019. Found multiple collection accounts listed from a hospital that I have been to. The dates listed were within the last four years that I have been covered by Iowa XXXX. So I went and asked for a statement that shows my history of visits and the billing that took place for the services. There are only 4 balances due. Equifax has 15 individual balances that not only do not match the balances. The dates, account numbers, and actual visits are not correct either. The hospital provided me statement for proof. XXXX and XXXX disputed it immediately. Equifax however is not providing me a way to dispute this. I have called a dozen times and I get no where for a long in. I asked if I could fax the documents, mail the documents, or what can I do to fix this. I keep being told they need to further verify my identity even though I have an account with them. This isnt right or fair. I just need to fix this. I work hard for the little bit I have been blessed with. I'm just trying to protect my future. Please and Thank You!
Consumer complaint received 2022-08-12
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 (IL)

Capital One closed out my Spark business credit card and then allowed three debits onto the account after it was closed. This resulted in interest and late payment fees over about 6 months. The result was disastrous to my credit score and has inhibited my ability to get a commercial lease to continue operations of my sole-proprietor business. Multiple calls to the company have yet to fully resolve the issue. XXXX XXXX is also involved as two of the debits are returned payments from the bank that Fidelity uses. 

Multiple agents at Capital One report the account was closed on XX/XX/XXXX ( all of this year ). There was a returned payment of {$4400.00} posted on XX/XX/XXXX. There was a returned payment of {$1600.00} posted on XX/XX/XXXX. I don't know what happened to the money from these -- it certainly did not come back to me. I've informed Capital One that I authorized the payments from good available funds and that they can collect from Fidelity or the bank Fidelity was using. I no longer have an account nor do I do business with XXXX XXXX. 

Further, there was a charge of {$1200.00} posted on XX/XX/XXXX from XXXX XXXX XXXX that must have been fraudulent as it was a week after the card was closed ( and I wasn't anywhere near the same state as that hotel at that time ). Capital One seems to be working on this one. 

At the time I was informed that the account was closed I thought there was no balance due and no problem ( fully paid off ). I was not informed otherwise by Capital One. 

I seek to have the returned payment debits removed from my Capital One account and all interest and late payment fees ( amounting to a total of {$970.00} ) reversed or removed. The maximum that I owe Capital One should be less than {$50.00}.
Consumer complaint received 2024-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC (NC)

I refinanced this loan XX/XX/year> through XXXX XXXX. This was done remotely with a notary public, who took my paper work. I was told/advised by her at the time of signing that my first loan payment would be due XX/XX/year>. I was also told that no credit reporting would take place for at least 60 days. 
On XX/XX/year>, I went out on short term FMLA XXXX with my employer and spent XXXX months out of work. 
I made a mortgage payment in XXXX but wasinformed that the first payment was actually due XXXX and i would still be considered late until i made XXXX payments at the same time, which was not possible while out of work. 
At that point, i was advised by Flagstar to apply for forbearance or temporary hardship-i, filled out all paperwork and supporting documentation and had to wait for approval. I was told i would NOT BE REPORTED LATE during this process, and I followed up and stayed in touch constantly. 
When the modification was approved, I now have payments set up and i thought all was well. 
XXXX the meantime, i was transitioning to long term XXXX temporarily, however I am unable to perform some of the duties i was able to perform prior so i am currently APPLYNG FOR JOB POSITIONS that REQUIRE CREDIT REPORTS to be pulled. 
I called to discuss this with Flagstar and was advised to fill out this form. Please, Please help me by removing the late reporting! | am all set up for my payments and supposedly in good standing during this time, and I was told there would be no late reporting as long as i kept in touch and followed the loss mitigation process!! 
I will never be able to find employment making the same amount of income as i have been without a credit record that shows payments on time, which i have had up until now. Please help me keep the house by removing the derogatory reporting while I am making the payments as required.