davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter over 45 days to this bureau and have not received any response, This process has been very stressful and caused me job opportunities because of incorrect information being reported inaccurately in my file. I have sent letters before this date and still the issue has not been acknowledged.
Consumer complaint received 2020-06-29
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. (NY)

this is my second request and again for the second time I am sending my identification and a copy of my social security card and my FTC reports. If your office is now open from the covet-19 virus please address my issue
Consumer complaint received 2019-02-21
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. (NV)

I contacted XXXX in regards to two 30 day late payments that were reported on my credit report. I was, in fact not 30 days late. I received a form letter from XXXX that indicated that they ( XXXX ) report any payment made after the 29th day - which the letter continues to state is the " industry standard ''. I have tried to no avail to get this information corrected, when in fact the payments posted prior to the 31st day. I have submitted disputes through the credit bureau and company directly to no avail. 

I also pulled the contract that I signed and the previous statements. At no time does XXXX indicate or disclose that or notify any customer that they report any payment made after 30 days which in their opinion is industry standards. 

I need assistance to obtain resolution.
Consumer complaint received 2019-02-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ORG GC GP BUYER, LLC (CA)

XXXX Is citation number I found out that I had a ticket years ago for riding a bike on wrong side walk but really I just was unlocking bike and cop illegally searched me I asked why and got that ticket which I thought was payed off using XXXX program which I wanted to fight but I was poor at the time. since then I obtained license there was no Holds and I never received notice or anything that I still owed anything and GC services took my tax refund without notifying me at all not one notice not one call not one letter and I honestly feel like they should have let me know some kind of way in advance instead of intercepting my tax return which in my opinion is the equivalent to a bully taking your lunch money everybody please move out of California you dont have to put up with this and they took my whole refund and I didnt even owe that much on the ticket
Consumer complaint received 2019-02-21
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. (GA)

I am receiving credit-related promotional material from many sources, at my home residence and my work address. The addressed name is not mine, but the street addresses are correct. I looked on my credit reports for the different agencies and there seems to be one address reported as a home address that is not mine at all. I wish to remove this address from my reports and also find out how to remove any associated accounts opened with my credit information but under this other person 's name.
Consumer complaint received 2020-08-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have received multiple notices from https : XXXX. Informing me I have received a gift card of {$1000.00}, or a loan of up to {$3500.00}. From Bank of America. I did not give Bank of America my new cell phone number. I dont need money, or a loan.
Consumer complaint received 2019-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Total Customer Service, Inc. (FL)

XXXX XXXX XXXX will be obligations to Debt collector. I need to file, the Statutes Of Limitation for a debt has been place on me, to, Fair Debt Collection Act. the third- party companies that collect debt on behalf of other business. are infamous for some of their underhanded tactic. used to collect debts from consumers.and Fair Debt Collection Practices Act knowing my right with debt even keep me from paying debt for which you have no legal obligation FDCPA applies to third- party collection agencies not the original company they created the account.
Consumer complaint received 2019-02-21
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. (OR)

On XX/XX/XXXX, I called XXXX XXXX to pay off my XXXX XXXX credit card account, which apparently in the process of being sold ; however, had not yet been sold to collection agency. So, I paid the balance of {$670.00} in full via my bank check card and was told that I would receive a letter stating this debt was paid in full. Upon receiving the letter, I filed a dispute with Experian Credit Reporting Agency on XX/XX/XXXX to change the status of the XXXX XXXX account from [ Closed. {$670.00} written off. ] to Closed. Paid in full and uploaded a copy of XXXX XXXX 's proof of paid in full letter. Experian 's Dispute Center sent me an email stating that dispute was completed ; however, they had changed the payment status of the XXXX XXXX account to CHARGE-OFF. According to the New Rules About Reporting Charge-Offs The National Consumer Assistance Plan, introduced by the three credit reporting bureaus to address errors and inaccuracies on consumer credit reports, implemented new rules about collection accounts in XX/XX/XXXX. 

Among the changes were requirements for more detailed and accurate information, including updating when collection accounts have been paid in full. I called Experian on XX/XX/XXXX after submitting 3 additional disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to change payment status to Paid in full and Experian refuse to do so.
Consumer complaint received 2019-02-21
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. (MI)

At the beginning of XX/XX/2019 I pulled all three credit reports and found two issues on them that tanked my credit score. One account is not even mine, the other was paid off and closed years ago. I first disputed on-line with no success. They returned results that stated " all information correct and verified with reporting company ''. I then did a little research on how to have errors removed from your credit report, as well as spoke to an attorney that advised me to send certified letters to both companies asking that the accounts be verified with proof of that verification. One company ( A collection Agency ) refused the letter, the other sent me a response that said they had verified the information with the credit bureaus and was not required to provide any proof to me other than they verified my identity on this credit card ON-LINE. So apparently crooks don't open accounts on-line???!!! 
So I filed WRITTEN disputes to all three Credit Bureaus, sent them all Certified Mail, and just received a response from XXXX stating once again regarding the same account - " Information verified with reporting agency '' and nothing more. That's it??? Of course the reporting agency is going to " confirm '' that their information is correct, but don't they need to provide some sort of PROOF other than their word?!!!!! What more can I do as a consumer to have this addressed/investigated properly??? 
The other account that I am disputing flat out refused to accept the letter that I sent them certified. Now what? I've filed written dispute as well on this response, but have not gotten a response yet from any of the Credit Bureaus. 
I need assistance immediately in addressing XXXX  and their investigation processes. Both these items need to be removed immediately as neither of them have provided any type of proof/verification of accounts.
Consumer complaint received 2019-02-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Corporation (SC)

Hello, Receivables Management Corp., located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, South Carolina XXXX, appears to be in violation of the Fair Credit Reporting Act. Receivables Management Corp. placed a negative collection account on my XXXX  credit report, that I have no knowledge of, without notifying me before placing the collection account. I was not allowed to validate this alleged debt prior to the company reporting it to the credit bureaus which is substantially damaging my credit. Prior to Receivables Management Corp. placing the negative item on my reports, they made no attempts to reach me regarding the alleged debt. This alleged debt is also listed on my credit report with the Open Date as INVALID DATE and original creditor XXXX XXXX XXXX. I have no knowledge of either of these two companies and it appears that Receivables Management Corp. is continuing to report a negative account without complete or accurate information. There is no basis in law that gives this company or XXXX the right to place a negative unverified collection against me without adequately confirming the debt truly belongs to the individual FIRST. Therefore, I would like for this company to delete the negative listing and cease reporting this erroneous account to the credit bureaus.
Consumer complaint received 2020-06-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (VA)

This is for Phoenix Financial Services. They appeared on multiple credit reports for a medical debt with original creditor " XXXX XXXX XXXX XXXX. '' The amount of Debt is {$480.00}. I am highly confident they are not collecting on behalf of creditor and they bought this debt from someone else and will be unable to verify the debt directly from XXXX XXXX. Again they have made no communication with me and have put this on my credit reports. The took a step further and on my XXXX  credit report they listed the following : " PHOENIX FINANCIAL SERV has flagged your account as Collections. '' This company seems to have a history of fraudulent debts and practices.
Consumer complaint received 2019-02-21
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. (MI)

At the beginning of XX/XX/2019 I pulled all three credit reports and found two issues on them that tanked my credit score. One account is not even mine, the other was paid off and closed years ago. I first disputed on-line with no success. They returned results that stated " all information correct and verified with reporting company ''. I then did a little research on how to have errors removed from your credit report, as well as spoke to an attorney that advised me to send certified letters to both companies asking that the accounts be verified with proof of that verification. One company ( A collection Agency ) refused the letter, the other sent me a response that said they had verified the information with the credit bureaus and was not required to provide any proof to me other than they verified my identity on this credit card ON-LINE. So apparently crooks don't open accounts on-line???!!! 
So I filed WRITTEN disputes to all three Credit Bureaus, sent them all Certified Mail, and just received a response from XXXX  stating once again regarding the same account - " Information verified with reporting agency '' and nothing more. That's it??? Of course the reporting agency is going to " confirm '' that their information is correct, but don't they need to provide some sort of PROOF other than their word?!!!!! What more can I do as a consumer to have this addressed/investigated properly??? 
The other account that I am disputing flat out refused to accept the letter that I sent them certified. Now what? I've filed written dispute as well on this response, but have not gotten a response yet from any of the Credit Bureaus. 
I need assistance immediately in addressing XXXX and their investigation processes. Both these items need to be removed immediately as neither of them have provided any type of proof/verification of accounts.
Consumer complaint received 2020-08-25
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. (WA)

It is over a month and a haft that I make a request to fix my credit report with the bureaus. and I have no response from them. There is a inaccurate information on my credit report that not mine. I believed with the 30 days Rule they have to fix my problem that I request. 

Please see the attachments below
Consumer complaint received 2019-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (NC)

We have had significant damage to our house during the hurricane. We have received our insurance check we had to submit it to Vanderbilt mortgage as a third party on the check. We have been attempting to get things repaired on our house we have actually paid out of pocket for quite a few things and they are not reimbursing us nor paying the bills of the contractors that we have hired to perform the work. They currently owe {$720.00} for the tarping to be done on a roof {$300.00} for the fascia to be repaired {$4100.00} for the remaining of the roof replacement and they owe me over {$4000.00} for reimbursement for items that we have previously purchased with our own money out of pocket for flooring, flooring materials and paint. the policy on their website says that claims are processed within five to seven days this is not been the case as I have been sending them emails and calling several times a week to try and get things processed and it is taken over a month to get two of these invoices paid. I have sent them numerous pictures to show progress as they have asked for and we still have not received payment for the things mentioned previous. I have contacted our insurance company to let them know that we are not able to get items repaired on the house due to the mortgage company being delinquent on paying invoices and reimbursement. The insurance company is also trying to help with a resolution. there is also a law firm in town that is willing to help with people that are having these issues with a mortgage company and we have contacted them and are on their list to seek assistance. we can not continue to ask contractors to perform work and then not be able to pay them. After speaking with XXXX XXXX numerous times who is a manager with Vanderbilt mortgage he assured me that things were going to start getting paid. I have maintained a list and the dates of every time that I've called, who I spoke with and emailed Vanderbilt mortgage with no success.
Consumer complaint received 2020-08-25
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)

This is not a Third Party. I am requesting that the following accounts be removed. These are fraud, I didnt benefit, apply for, and authorize these accounts. 

DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX XXXX 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 XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX who works for a landscaping business in XXXX, PA has a son that has a very similar social security number as mine and he has been unknowingly interfering with my ability to get a credit card because I can not get a credit report with my social security number XXXX or log onto XXXX. 

I believe that he inadvertently input my social security number as his somewhere around XXXX. 

The last known address I have for him or his son is : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number XXXX Please help me. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2020-06-29
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 — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit acceptance has been reporting late payments to the credit bureau even though I've paid those months on time. I've reached out several times and they refuse to help me. I had an incident last XXXX when I updated my debit card information on their website and it failed to come out. I have my bank statements showing that I had the funds available. I've been paying XXXX a month since then and not once did they mark me late. Fast forward XX/XX/2020they started marking me late for a past due balance. They not once called me and said I was behind. This company is fraudulently marking my account as past due. Please make them correct this. I have all the documents to prove it too.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

COVID PANDEMIC Bank of America Home mortgage, has been reporting me and my wife as being late on our credit reports. We have been in forbearance mode for the last 5 months. We just spoke with XXXX XXXX, XXXX XXXX, with the bank of America concerning the forbearance and the restructuring of the loan. The consequences have been a denial of an SBA guaranteed loan by the SBA disaster relief loans by the federal government. As I called today and they told me that we were rejected for the loan because of our credit. 
They have been reporting us illegally during the COVID crisis.
Consumer complaint received 2020-06-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

On XX/XX/2020, a mortgage payment was made to PHH Mortgage. The payment was made in the morning and was done through their website.The payment is not showing on the website nor in the payment history. The company did send a letter mentioning the payment made on XX/XX/2020 that is enclosed. I also enclosed copies of the statements which do not show the payment being made. The company sent back the payment twice and then called ten days later requesting another routing number stating that the routing number used is not working properly. I have had problems with the parent company in the past ( Ocwen ) who put my home in foreclosure using the same practices. I would like an investigation to look into this matter.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC (MD)

I was contacted by Quicken Loans to see if I wanted to refinance my home mortgage. They asked for permission to pull my credit in which I denied. After we get off the phone, I get a notice on email that my credit was pulled anyway by them, contrary to me not giving them my permission. I called the representative XXXX XXXX who advised that he made a mistake by pressing a wrong button and pulled my credit anyway. 
There is no mistakes in pulling someones credit when I just got off the phone with him denying him that access. My credit was not AUTHORIZED to be pulled on XX/XX/19 by XXXX XXXX from Quicken loans