davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-26
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)

1 ) On XX/XX/2021 I sent the attached debt violation letter to XXXX XXXX XXXX pursuant to 15 USC 1692. ( See exhibit A ). 

2 ) In XXXX they responded ( with no date on the letter ) with a notice of receipt and a promise to change the status of the reporting on my credit to Paid in Full- XXXX Balance within 30 days. ( See Exhibit B ) On XXXX XXXX The specific items required for validation were not received. 

XXXX XXXX XXXX  is in violation of 15 USC 1692 for the following acts : XXXX XXXX committed fraud by ignoring the cease and desist.

XXXX XXXX XXXX failed to provide the amount of the alleged debt.

XXXX XXXX XXXX  failed to provide the name and address of the original creditor.

XXXX XXXX XXXX  continued to report derogatory, unverified information to the credit reporting agencies within the 30 day period and until present day. 
XXXX committed deceptive practices in their debt collection efforts by failing to perform as promised in their letter. 

In my letter I stated they were to cease and desist until debt collection activities until all requested items were provided. This includes reporting any derogatory information to the credit reporting agencies. I tried several times to call and have someone update the file, but I was told there is no one I can speak with. 

Unverified Items must be deleted within 30 days. These unverified items are still reporting to all 3 bureaus, which is a violation of the Fair Credit Reporting Act. ( See screenshot of credit reporting to Transunion, XXXX and XXXX )
Consumer complaint received 2020-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (PA)

This debt is not mine. Has been on my credit for years dispite as they say on my credit since XX/XX/19. Attached is a copy from all 3 credit bureaus. Ive written to the bureaus XXXX XXXXXXXX  XXXX and this company, THE BUREAUS, whom are the collection agency. I want to see a copy of a contract between the Bureaus and myself and I want to see my signature on it. If they can not give you this in a letter, then I want this off my credit. Attached is my USPS return receipts ive sent and a copy of my credit report as they are reporting it. They have not given me anything, nothing. Just reduction letters and nothing else. Remove immediatly, thanks The Bureaus XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Thanks. You so much
Consumer complaint received 2022-09-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Pennymac loan servicing company called me several times this month. I returned the call and Pennymac told my mortgage payment was not made and late. 

I have automatic bill pay setup via XXXX, on the XXXX of each month the mortgage payment is processed. I have been using this method for three years now.

The Pennymac representative told me my monthly payment is past due and requested a payment. 

I told the Pennymac representative this must be a mistake and I logon to XXXX online banking to check past bill pays. The mortgage payment was sent to Pennymac, they told the payment and applied it to principle reduction. They accused me of late payment. 

This is abuse.
Consumer complaint received 2020-10-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (NJ)

I currently have a loan with Sofi at 11.731 % with a balance of roughly {$47000.00}. I was looking to lower my rate and monthly payment on other personal loans I hold and looked at Sofi to see if I was eligible for additional funds to solve for this and was pre approved ( not pre qualified ) for a 60 month {$50000.00} loan at 8.587 %. I uploaded all of the necessary documents XXXX pay stubs, copy of driver 's license ) and submitted to underwriting. 

To my surprise my application was denied due to " poor credit performance with Sofi ''. I have had three loans with Sofi and never missed a payment. I have never missed a payment on any loan and have a credit score of XXXX. When I called to question why I was not approved, I was basically told that the decision was based on a black box calculation and because the customer service representatives are not loan originators, they could not help me. They said that if I were to apply to refinance my loan instead that I might have a better chance. I started a refinance application and was given another pre approval with a rate of 11.60 % on a 60 month loan. 

My first issue is that I was pre approved for the loan and know that Sofi must have information regarding my credit history to give me that designation. My credit is clean and I have not taken on more debt since originating my last loan with Sofi. As a current loan holder and much of my information pre-populated, I was led to believe that Sofi already knew my credit history through a commonplace " soft pull ''. How is it that I could be denied for " poor credit performance with Sofi '' if I have never been late on a payment and am actually paying {$260.00} extra per month on my current loan. By misleading me that I was pre approved and allowing Sofi to run my credit, I have hurt my credit score and made it less likely that I will be approved by another lender. 

My second issue is the discrepancy between the rates I was given for the loan I was denied and the refinancing rate. It seems to me that they are gouging me based on my current rate. Presumably they would have no further information on my credit history for this refinance application than they had on the loan I was declined for. While I understand the right of the company to price different products differently, this seems unethical at the least Thank you for your assistance in this matter
Consumer complaint received 2020-10-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (CA)

On XX/XX/2020, I sent a USPS certified letter ( tracking # XXXX ) to Credence Resource Management LLC to provide verification and proof of debt. I copied and pasted below the same letter I sent to them, but I crossed out my personal information for today 's complaint. On XX/XX/2020, I only received an XXXX XXXX XXXX bill and a letter stating, " Our office is in receipt of your request to verify the above referenced account. Enclosed is the account summary response to your request. If you have any questions or require any additional information, please do not hesitate to contact our office at the number listed above-Sincerely, Credence Resource Management LLC '' I did not receive any information that I requested for verification, primarily if they are legally licensed in my state since their office is located in Texas. 

Copied & pasted letter below XXXX XXXX Name : XXXX Creditor Account No : XXXXXXXXXXX Credence Reference ID : XXXXXXXXX This letter is sent in response to a collections phone call I received on XX/XX/2020 at XXXX pm from Credence Resource Management LLC. I am requesting that you provide verification of this debt within two business days of receiving this letter to my home address, XXXX in order to speed the process and stay within the 30 days. 
Please send the following information : 1. The name and address of the original creditor, the account number, and the amount owed.

2. Verification that there is a valid basis for claiming I am required to pay the current amount owed.

3. Contract with proof of my signature. 
4. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent.

5. Please also note whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Sincerely, XXXXXXXXXXXXXXXXX
Consumer complaint received 2020-10-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (KY)

I put in 60 day notice, and honored my lease. I do not owe this company anything! This company has the Audacity to say i owe them anything when they have done absolutely nothing but stolen from me and made my son sick! 
while i resided their, i learned from my sons pediatrician that his LEAD level was a 7.5 which is 3.5 points away from hospitalization!!!!!!!!!! This scum of apartment complex could have killed my son! we haven't lived there for 3 months and although his levels have went down a little they are still high! my son is on strict pediatric supervision right now! I pray that they shut this place down before they kill a child! 
ALso while i was there their staff stole my iphone, ipad, and LV shoes!!!!!! they have also tacked on charges i didnt owe to my account all the time! 
Everything breaks in that apartment, it flooded because their pipes were bad 4 times when i was living there. all of my items got damaged! Unsanitary living conditions. We were left with no water, no running toilets, no lights multiple times. My XXXX year old son and i lived in XXXX their!!! i cant believe they have the nerve to say I OWE THEM ANYTHING!!!!!!! I called last month and talked to a male at the front desk who even confirmed i dont owe anything and to disregard the letter i received!!
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/20 at XXXX CT I received a text message from an unknown number stating it was a Fraud Alert for a suspicious charge on my Chase Sapphire Preferred Card. Since this alert came from a different number than the rest of my Chase Credit Card Alerts, I attempted to call customer service using the number on the back of my card to verify the legitimacy of this alert. However, every time I attempted to call, it would auto-route me to your fraud department, which was closed, and would not allow me the opportunity to connect to an actual person to confirm. I ended up replying to the text message stating that this wasn't me and I received an auto-response stating that my card was closed and I'd receive a new one. No additional information was provided and I still couldn't get through to anyone at Chase to tell me the timing of receiving a new card or what I should do for any pending transactions. I appreciate the proactive approach of detecting suspicious activity and understand that the fraud department temporarily reduced their hours because of COVID, however, it is extremely unfair, deceptive, and abusive to shut a card off and  provide no additional information or alternative, especially since no where on the website is it stated that they're operating on reduced hours and no additional information can be found anywhere. What if I was traveling abroad and the card would be shut off? I'd be stranded with no one to talk to and no way for paying for my travel accommodations. But apparently Chase doesn't care about that. If you're going to shut down the Fraud Department at XXXX ET, you need to provide an alternative solution for individuals who rely on their card. I had to call back numerous times and type in random numbers to bypass the automated system and get connected to a representative, who couldn't answer any of my questions since my account was blocked due to the suspected fraud activity. THIS IS UNACCEPTABLE. The poor response and horrible execution on this process has potentially lost Chase a customer, as I'm going to explore different credit cards, especially ones that care about their customers and don't conduct business in potentially illegal manners that violate consumer protection laws.
Consumer complaint received 2020-10-06
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. (ME)

Starting in XXXX, 2018 my Equifax credit report appeared to stop updating. Account balances did not change and no new information was added. The report was correct in every other way as to my personal identification. Both my XXXX  and XXXX  reports continued to be update correctly. After watching for several months, I opened a dispute with Equifax. They looked only at two accounts for the dispute. They manually corrected both accounts to current information. However, no further updates ever arrived.

My credit report is frozen so I attempted a thaw and freeze to see if that would help, but it did not. Again in six months, my score dropped due to inactive accounts. I again contacted Equifax and two accounts were once again manually updated but subsequently stopped. 

I again opened a dispute for the third time after my score dropped from XXXX to XXXX. Once again a couple of accounts were updated but no further action. Even newly opened accounts have not appeared on Equifax. 

Once again as of XXXX, my score has dropped to XXXX, while my XXXX  and XXXX  are over XXXX. 

I do not know how to get to someone at Equifax who can actually research my report properly to determine why updates have stopped. The accounts in questions are from major companies such as XXXX XXXX and XXXX XXXX. I simply can not believe my information is not being reported to Equifax yet arrives correctly at the other agencies.
Consumer complaint received 2020-10-06
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: DISCOVER BANK (CA)

I have applied for My Very first credit Card ( Discover ) thinking its a good way to start My credit history. I usually use of this Card for everyday expenses and mostly at XXXX. I have set auto payment monthly because i want to attain good credit history. And since I dont usually use this credit card, I just leave an auto payment per month. I rarely log in online and I have paperless billing option. Until one night ( XX/XX/2020 ) I received an email alert ( the Very first time since i have this Discover Card ), that My transaction was Declined. It was a XXXX transaction and I was shocked because I NEVER used this Card for any XXXX transaction. I only use My Debit Card. So i Logged in to My account and to My surprise, My bill was over {$3000.00} half of it was from XXXX transaction. I called right away and dispute these charges But Their decision was NOT on My favor. So i reached out myself with XXXX and they verified with me that I ONLY HAVE ONE CARD ON FILE, MY DEBIT CARD NOT DISCOVER CARD. So i called Discover again and told them about this, Few days later, I received a letter saying they can not do anything about it and they report this to the 3 credit Bureau. So, did getting a credit Card Help me achieve My goal to build a good credit history??? NOT AT ALL ... made it worst!! Wrong Choice of Credit Card company. 

In My opinion, Discover Card does not have a good security and protection for their clients most especially these transactions are almost like CASH transaction that needs increased security measures such as verifying the account holders TRUE Identity. I Will Never ever use this Credit Card again nor I Will recommend this. 

This decision made by XXXX Credit Card is XXXX. They also take part in this criminal and unlawful action. 

Thats why XXXX appealing to this agency to Assist me and investigate farther, something that XXXX credit company did not do. Please reach out to XXXX, look into My history .. and see if that relates to tge XXXX transaction that comes from this credit Card.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (GA)

I notices negative accounts on my report that I don't recognize LVNV {$3000.00} contacted on XX/XX/year> XXXX XXXX  {$10000.00} contacted on XX/XX/scrub>XXXX XXXX XXXX XXXX {$570.00} contacted on XX/XX/year> XXXX XXXX {$2400.00} contacted on XX/XX/scrub>XXXX XXXX XXXX {$1800.00} contacted on XX/XX/year> XXXX {$1100.00} contacted on XX/XX/year> XXXX {$3500.00} contacted on XX/XX/year>
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8900.00}, {$8000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (DC)

I was trying to get credit for my new business & was denied due to a public record.. wrongfully on my credit profile ... I reach out to credit bureau asking for it to be remove ... explaining how its affecting me. I reach out to the court house explaining its not accurate. The court clerk responded an said they dont report to credit bureaus and also sent me a letter stating the facts ... I reach out to the credit bureaus once again only to be in the same situation not able to start my business due to inaccurate reporting on my credit file ... thanks Im asking for help about this matter. 
Thanks in advance, XXXX XXXX
Consumer complaint received 2020-10-06
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IN)

I applied for a Citibank XXXX XXXX account on XX/XX/2020. I spoke on a Live Chat with a representative named XXXX who told me the interest rate would not be any lower than .90 %. When I tried to fund the account on XX/XX/2020, I saw the interest rate had changed to .70 %. I spoke Citibank 's " Dedicated Account Management Team '' and I was told the interest had changed and the would not honor the guaranteed rate of .90 %. I have screenshots of my Live Chat with XXXX, the representative I spoke with on XX/XX/2020. I feel I was baited into opening an account with Citibank.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I was trying to get credit for my new business & was denied due to a public record.. wrongfully on my credit profile ... I reach out to credit bureau asking for it to be remove ... explaining how its affecting me. I reach out to the court house explaining its not accurate. The court clerk responded an said they dont report to credit bureaus and also sent me a letter stating the facts ... I reach out to the credit bureaus once again only to be in the same situation not able to start my business due to inaccurate reporting on my credit file ... thanks Im asking for help about this matter. 
Thanks in advance, XXXX XXXX
Consumer complaint received 2019-12-30
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: Experian Information Solutions Inc. (CA)

XXXX, XXXX, and XXXX is trying to collect on an unknown debt for XXXX XXXX in the amount of {$6900.00} dated XX/XX/19. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.
Consumer complaint received 2020-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I tried to get the credit report online in XXXX & other credit websites, also tried to apply CreditCard in bank websites, but i am getting the response as " Your personal information doesn't match with credit bureau records '' .. I strongly believe that my Credit information is missing the Credit Database.
Consumer complaint received 2022-09-20
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. (FL)

I went to the car dealership in XX/XX/XXXX trying to get a car. I told the car sales men I only want to use XXXX XXXX. However I'm looking at my credit report I see over 13 hard inquires from all these different companies. Hard inquires from different months in XXXX and XXXX that wasn't from me.