davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

From XXXX through XXXX XXXX I was XXXX  due to XXXX and XXXX XXXX Have a XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. In the past requested paper billing but it never happened. Due to my condition someone was taking care of my bills and was not aware of this bill as it was online access only, when I became able I checked my accounts and found this to be months delinquent. I immediately began making payments to pay it off. It has been XXXX for a while now and they have frozen the card. When I had called to explain the situation about my condition that had no concern about my health just when I would make an additional payment to pay it off. They advertise about how caring and empathetic they are about XXXX, nothing could be further from the truth. Had no knowledge that a business card was even tied to me personally, I take care of all my obligations and had excellent credit, now its damaged as a result of hardship and XXXX XXXX only concern is about getting paid. 
I have two other XXXX XXXX accounts in good standing, never been late and both open for a period of time.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 XXXXXX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-08-17
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)

I notified XXXX, XXXX, andTransunion by Certified Mail on XX/XX/2022 that I disputed the following accounts 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  And supplied documents supporting why accounts were inaccurate including Billing statements, Bank Statements and Copy of Credit Report and to their Fraud Dept I sent Letter from FTC that the following accounts were due to Identity Theft and I included Police Report # XXXX Affidavit and FTC report 1 : 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 1 sent by Certified Mail a letter requesting investigation of all accounts previously stated to investigate if every piece of information was 100 % correct if found to not be correct to remove from my Credit Report The credit Bureaus stated Accounts was properly investigated but how is that possible if date Last Verified is inaccurate, Date Reported is inaccurate, date Opened is inaccurate, Last Payment date is inaccurate, Account Type is inaccurate, Creditor Type is inaccurate, and Payment History is Inaccurate, and Payment Frequency is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 ( A ) Section2 The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well 15 U.S..C 1681 Section 602 ( A ) States I have the right to privacy 15 U.S.C 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) ( A ) ( i ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 15 U.S. Code 1681b ( a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never supplied written instructions to furnish Report to anyone
Consumer complaint received 2022-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I have opened an account with Citi Bank and deposit {$200000.00} into the account on XX/XX/2022. According to their advertisement, the funds only need to stay in the account for XXXX XXXX  and they will have a promotional bonus credit of {$1500.00} credit into the account ; However, after XXXX XXXX the fund was not credit into my account. When I contact Citi Bank through online chat, they told me it will be credit into my account on XX/XX/2022 which needs another XXXX XXXX ( they did not mention on their advertisement ). As of today, XX/XX/2022 I still did not receive the promotion bonus, when I contact Citi Bank, they stated the funds was delayed due to technical issue. They did not provide an explanation or when the fund will be credit into my account.
Consumer complaint received 2022-11-23
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. (MI)

XXXX XXXX and XXXX XXXX, not government entities are receiving and reporting information that is denying me stability, housing, credit, and more. This is against the Privacy Act and I never signed for them to report any information. There are accounts that are incorrect, sure to be written off on taxes, and these merchants are trying to XXXX additional money from me. I disagree with all agencies reporting my negative information, I contest the accuracy of accounts, validity, whether written off on taxes already, also I contest all bureaus reporting are breaking the law. As, I did not consent to them reporting negative items, my address, name, XXXX, or anything that will cause me denial of credit, employment, housing, and or stability. This is against the law, Privacy Act, Lack of XXXX, XXXX Incorrectly, and mainly breaking the law.
Consumer complaint received 2022-11-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (NY)

I called Capital Accounts LLC on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. Also wrote them a letter on XX/XX/XXXX. I am trying to get an itemized bill from them for the service from XX/XX/XXXX ( which I was never billed for an medical expense ) They have not sent me the itemized bill and would not give me the address or phone number of the Company who the bill is thru. I called them on XX/XX/XXXX and they are no longer handling this debt and gave me another phone to call and I called this other phone number and no one has any record of me by SS #, DOB or name. I am trying to obtain the itemized bill to get my medical insurance company to pay the bill to a company that is no longer open and I am getting no where and this is on my credit report for {$1900.00}.
Consumer complaint received 2023-01-26
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: Experian Information Solutions Inc. (TX)

Around XXXX I notice that my wife XXXX Account was removed from my credit report as a authorize user which is my wife account. I called both party Experian and XXXX asking why was it removed, Experian claims it was XXXX who removed, and XXXX claims they always reports, so now my credit score has down from XXXX to XXXX for a unknown reason, as of this month it still not showing on my report. But the two XXXX Account will show manage membership account, and both XXXX accounts are still active.
Consumer complaint received 2022-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc. (IN)

On XX/XX/2022, Alliance One first contacted me but failed to identify the they were a debt collector, they did not leave a message. I unsuccessfully attempted to contact them on XX/XX/2022 and XX/XX/2022, to inquired about the nature of their call. On XX/XX/2022, I received notification that Illinois Department of Revenue was involuntarily withholding {$110.00} from my payroll. I spoke to Illinois Department of Revenue and they indicated that the payroll deduction would settle the debt that i had not previously been aware of. On XX/XX/2022, Alliance One again contacted me by telephone and again failed to identify the they were a debt collector, they did not leave a message. On that date I spoke to a representative that only identified herself as a debt collector after I specifically asked her. At that time Alliance indicated that they were collecting on a {$110.00} tax debt owed to the Illinois Department of Revenue. I explained that the matter was already resolved. The supervisor I spoke to indicated that their file would be notated and closed. My phone records indicate that Alliance One attempted to contact me on XX/XX/2022, but the call was automatically declined and did not attempt to contact them. Today, XX/XX/2022, Alliance One again contacted me but failed to identify the they were a debt collector, they did not leave a message. As is stands I called them back six times and asked them to acknowledge that they are a debt collector before providing personal identifying information, however each representative has refused to acknowledge that they are a debt collections identifying them self only and a financial company, even after I explained that I was aware of their company as a dept collector and that failing to identify themselves as a collector was a violation of law.
Consumer complaint received 2022-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

myloancare.com website didn't have any information on requesting or how to do a loan payoff. I was out of the country and couldn't call them. Therefore I made extra principle payments due out the time with a final {$1.00} payment made to them on XX/XX/2022. However, they just hold up my {$1.00} payment and didn't apply it to my loan. So I made another {$1.00} payment on XX/XX/2022 and they still wouldn't apply it to my loan. On XX/XX/XXXX, XXXX they started to call my load delinquent and charged me late fees and interest. Then sent me several foreclosure notices. After I came back to the XXXX and called them on XX/XX/2022 about my account status. They not only didn't remedy the problem, they sent me another foreclosure notice and charged two more late fees with interest on XX/XX/2022 and XX/XX/2022. I called again on XX/XX/2022 and spoke to another account specialist and gotten a payoff statement with no payoff instruction at all and with all late fees added to it. I called again today still couldn't get the problem resolved. My bank had cancelled my credit card because they have report bad credit to the agencies when my account should have a negative balance.
Consumer complaint received 2022-11-23
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: Experian Information Solutions Inc. (TX)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Credit Karma (NY)

I received a email that someone checked my credit and itll affect my credit score. The thing is I never gave anyone PERMISSION to check my credit score. I believe its fraud being taken in place. How can I get this situation to stop? Or from happening again.Then its with the Company credit karma and I cant get in my account or in contact with them ever.
Consumer complaint received 2022-11-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: UNIVERSAL COLLECTION SYSTEMS, INC (LA)

To whom it may concern, I am writing because I have been getting contacted from a debt collection agency called universal collections out of XXXX.It has been brought to my attention that said company is not licensed to collect debt in the state of Louisiana. Ive been threatened to get sued and taking to court and have to pay legal fees when I tell them the amount Im able to pay at the moment the tell me that I am not paying back enough so thats not an option. They also go on to repeatedly yell over the phone and tell me I shouldnt have took on the debt if I cant pay it back even though Im dealing with death in my family and are in between jobs
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ) XXXX Balance Owed : {$5300.00} ; XXXX XXXXXXXX Balance Owed : {$370.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$240.00} ; XXXX XXXX ; XXXX XXXX XXXXXXXX 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 2022-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

I took a home loan from XXXX XXXX in XXXX of this year. On XX/XX/XXXX, XXXXXXXX XXXX sold the loan to LoanCare , LLC ( hereinafter " LoanCare '' ). XXXX XXXX informed us that no further payments would be taken on the loan, but that any previous or future payments would be forwarded to LoanCare to be applied to the Loan. 

On XX/XX/XXXX, XXXXXXXX XXXXXXXX took my {$4600.00} mortgage payment from my account any via autopay. On XX/XX/XXXX, XXXXXXXX XXXX  wired the funds to LoanCare via interbank transfer. XXXX provided us ( the borrowers ) with the wire number, date, and amount, which we have provided to LoanCare. 

It is XX/XX/XXXX, and LoanCare has refused to apply this payment to our loan. We have otherwise kept up with our monthly payments. I have attempted to resolve the issue and provide the wire information via six letters, eighteen emails, and nine phone calls. LoanCare representatives still claim that they can not find the funds or the wire. 

My first concern is that this {$4600.00} payment needs to be applied to our loan. 

My second concern is that, had I not pursued this issue, LoanCare would have just pocketed the {$4600.00} and not credited a loan for it. Under basic accounting principles, every debit from one account should correspond to a credit to another account. I'm curious as to what a forensic accountant would uncover by looking closer at LoanCare 's records, or if I'm the only person whose mortgage payment LoanCare just kept but didn't credit a loan with.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was a victim of the XXXX data breach and was given notice that my info indeed was affected. Due to the breach, I believe these following accounts were opened fraudulantly. 
I hav filed a complaint and also a claim to XXXX. 

XXXX XXXX XXXX {$1000.00} Account # XXXX XXXX XXXX XXXX {$1400.00} Account # XXXX XXXX XXXX XXXX {$790.00} Account # XXXX XXXX  {$3500.00} Account # XXXX I have filed and disputed these erroneous accounts but, I have not seen the accounts deleted. My life has been diificult due to Covid and not able to get financing to survive due to these negative accounts on my credit report. I ahve enclosed the XXXX claims form. 

I would like these accounts deleted off my credit reports.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX HE XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  DI XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2022-11-23
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 sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-24
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account XXXX, XXXX XXXXXXXX account XXXX and XXXX XXXXXXXX account XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.