davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

On about XX/XX/2022 Care Credit closed my credit card, # XXXX exp.XXXX although i did not had any pending payments. Consequently, cause me to loose score points in the 3 credit report bureau, and others like XXXX, XXXX XXXX, etc.
Consumer complaint received 2022-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I have been making regular student loan payments to XXXX XXXX throughout the entire Coronavirus period of student loan payment pause. XXXX XXXX has apparently not reported my payments to any credit reporting agencies since XX/XX/XXXX ( with the exception of XX/XX/XXXX ). The status on my credit reports for those months is marked as " Unknown. '' On XX/XX/XXXX, my TransUnion credit score suddenly increased XXXX  points. By XX/XX/XXXX, my TransUnion FICO XXXX  score dropped XXXX points through no fault of my own. I spoke with TransUnion two days later and the explanation they gave me for the sudden decrease in score was that XXXX XXXX had not reported any of my student loan payments made since XX/XX/XXXX. TransUnion then filed a dispute on my behalf with XXXX XXXX. 

I also experienced a credit score drop with XXXX the first week in XXXX ( XXXX points ) and filed a dispute online, which, within three days was disproved due to a " lack of information in the documents I uploaded. '' This sudden credit score drop with XXXX has somewhat resolved itself as my score has slowly increased throughout the last few months. 

As of today my TransUnion FICO XXXX score is still down XXXX points since XXXX XXXX, XXXX, with no explanation for this. My credit scores have increased with XXXX and XXXX, but not with TransUnion. This drop in my credit score is really aggravating, as I have worked extremely hard to raise my score throughout the last XXXX  years. It feels as if TransUnion is intentionally preventing consumers from elevating their credit scores, ensuring that people like me keep paying higher rates on their loans and mortgages. 

Here are my FICO scores as of XX/XX/XXXX : FICO XXXX - TRANSUNION - XXXX - FROM XXXX XXXX XXXX FICO XXXX- XXXX - XXXX - FROM XXXX XXXX XXXX XXXX FICO XXXX  - XXXX - XXXX - FROM XXXX FICO XXXX XXXX TRANSUNION - XXXX - FROM XXXX  XXXX FICO XXXX XXXX  XXXX - XXXX - FROM XXXX XXXX On XX/XX/XXXX, I had finally attained the " Very Good '' Fico XXXX credit rating, only to have my rating plummet back down to " Good. '' This setback will now prevent me from applying for a new credit card, or a personal loan for my new business, or even purchasing a home. 

At this point I really don't know what to do and am feeling quite frustrated with TransUnion. I have tried to call them several times in the last couple of months, but I can not get through. I am seeking guidance from you on my next step in this matter. 

Thank you very much for your help.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (OK)

I opened a checking account with Citibank and the day my deposits were going to be available they say they are closing my account. Ive deposited XXXX dollars in checking and savings account now they wont even tell me why its being closed. That Money was for my son who is XXXX and its 10 days before XXXX
Consumer complaint received 2022-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: BCO Consulting Services (CA)

A company called BCO Consulting Services reached out to me in XXXX of 2021. They claimed that they could consolidate my student loans and apply for debt forgiveness through their program. They claimed they work with the Department of Education and had enough of my information for me to believe it was legit. I never gave them any of my personal information other than my name and email address and then later my credit card to pay for my income driven repayment plan that they signed me up for. 

They did consolidate my loans with my loan servicer XXXX XXXX and I have been making payments to them for a little over a year now, however, I just reached out to XXXX XXXX and none of those payment have been applied to my student loan balance, so it is just a scam. I have terminated any future payments to them and requested that they cancel my " income-based '' repayment plan and cease all future communications with me regarding any payments due. I had my loan servicer file a report on my behalf and am reaching out here and with the FTC.
Consumer complaint received 2022-12-15
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. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX I HAVE NO KNOWLEDGE OF THESE INQUIRES REACHED OUT TO BUSINESSES THEY HAVE NO KNOWLEDGE OF INQUIREMENTS PLEASE REMOVE AND DELETE FROM REPORT
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (VA)

I opened a Barclay cc in earlier XXXX and have the full amount paid in/on time ( billing cycle ends on XXXX and I paid in full on XXXX ). Yet they charged me late fee + interest for past few months which I just recently realized upon rejection on mortgage since early XXXX. Becuase of their abusive useage of the banking system, my persona credit dropped XXXX points recently which result my mortgage amount doubled in interest from an average of 3.87 % to the market price of 6.125 %. My mortgage principle is {$100000.00}. Due to the dropping credit score by abusive useage, my application was misdirected and delayed. As of now, the paid off total increased by {$100000.00} from {$200000.00} to {$300000.00}. Barclay shall be 100 % liable and responsbile for the difference.
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (PA)

Over the last 2 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these inquires be removed : 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 2022-12-15
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: EQUIFAX, INC. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX I HAVE NO KNOWLEDGE OF THESE INQUIRES REACHED OUT TO BUSINESSES THEY HAVE NO KNOWLEDGE OF INQUIREMENTS PLEASE REMOVE AND DELETE FROM REPORT
Consumer complaint received 2022-12-15
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. (GA)

XXXX XXXX XXXX : Acct # XXXX XXXX  : Account # XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXX Have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have serious problems with the continuous inconsistency of my name in the different credit bureaus, despite having sent my driver 's license where my name is seen, I still have more than 9 different names among the 3 credit groups. 
On my XXXX credit report, I have XXXX different names, XXXX wrong addresses, and the wrong employee position. 
On my XXXX credit report, I have XXXX different names XXXX Wrong address, and the wrong employee position. 
On my TransUnion credit report, I have XXXX wrong address, wrong phone number, and wrong employee position.
Consumer complaint received 2022-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

I have been working with a client to try and get a loan modification for about a year and a half and the company ( XXXX  ) has confirmed receiving documents and then retract the confirmation a few days later. They have asked documents that were already in their system and was confirmed to had been in their system by multiple representatives. They have requested documents that a client would only receive once a year monthly claiming the document expired and was needed with a most recent date i.e. food stamps letter, divorce decree and affidavit. At one point ( XX/XX/XXXX ) I was told that the application was under review and completed with no additional documents needed only to call back on ( XX/XX/XXXX ) to be told that the application needed to be resent. There are multiple dates of interaction with this company and me sending duplicates of documentation. The latest experience was when I called XX/XX/XXXX and was told that the application was under final review and to call back the following week. I was also told all documents requested were received and the application was complete. When I called back the next week I found out the case was closed because the underwriter did not receive the requested documents. The representative looking into the file seen that there were contradicting notes and the documents were there and accepted prior to the close date. She asked me to just send in an updated Financial Form and the case would just be reopened. I did that and the documents sat in imaging for almost two weeks. When I spoke to someone else that put in a request to have the case changed to someone else and to have the file escalated. The " escalation '' representative stated that though she believes and I quote " you guys are being giving the runaround '' because she was able to confirm everything I said to her, that she has to go by what the underwriter told her and we needed to submit a new application. I asked why don't they use the application that is sitting in imaging since it is a new application. She had no answer. I have resubmitted everything and once again they claim they got the application but not supporting documents which everything was sent together. They are also requesting for the application again even though they have it and have opened a case with it. I have more dates with more issues the list continues. This has been going on for too long. We just would like to have a solution to help my client out, but we want to make sure that things are being done properly. They even force place insurance on my client when she had insurance and the documents were sent to them and I also sent them as well.
Consumer complaint received 2022-06-25
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. (SC)

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Balance {$450.00} Highest Balance {$450.00} Opened XXXX. XXXX, 2021 ( XXXX yr ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX Closed No Info
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have tried disputing with these companies regarding my accounts. They don't wan na get them off. Can't get a house or car. Need help
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. Collections West, Inc. (AR)

I was taken to court in XXXX of XXXX by XXXX XXXX XXXX and the case was dismissed without prejudice but they turned it over to collections anyway. I didn't even see it until I went to buy a house and couldn't because I had an open collection on my report. I got in touch with the collection agency and ended up paying it so I could buy my home. 
Now the collection agency is saying I agreed that I owed it by paying it and that is not true. I had to pay it or not get my house. The collection agency and I came up with a settlement of {$290.00} to clear the debt. 
This was back in XXXX that I started trying to work with them on this wrongly reporting this to my credit report. Three years later and this collections agency has cursed at me, they have screamed at me, including someone who claimed to be the owner. I am appalled at how they get away with this. I sent the proof of the court document that states dismissed without prejudice and I get a response from them that says just because it was dismissed without prejudice doesn't mean I didn't owe it. Well the AZ STATE law states that the status of limitation is 6month from the date of the court hearing to refile and they did not do the law also says that it's like it never happened but here I am 6 years after court and 3 years from when I became aware it was on my credit report and they repeatedly refuse to remove it from my credit report stating I owed it. They did not refile with in the frame so the case is like it never existed. Well it does and this collection agency will not admit fault and remove it. 
I am attaching the court document, the information on azlaw that states the statues and what happens if they don't refile in this time frame. 
The collection agency owes me the money they made me pay to buy my home ( and battle later ) in the amount of {$290.00} plus remove this from my credit report immediately and I am expecting some kind of apology for having to go through all of this and them beating me down by intimidating me with cursing, yelling, rudeness every time I called. 
I even called XXXXXXXX XXXX and got nothing. 
I believe the collection agency is retaliating because I have gone to the XXXX, to XXXX XXXX, wrote a unpleasant review about it, contacted the owner who also was very, very unprofessional and I'll leave it at that, so now they are fighting me the whole way. 

Thank you for any help you can provide. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I filed my Public Loan Forgiveness Program ( PFLP ) documentation on-time and to the correct authorities. And yet, despite having earned forgiveness, the government spends my tax dollars on XXXX and Mohela, who combined to screw up my paperwork as detailed in an email to me from the US Dept of Education on XXXX XX/XX/2022 : " Due to a vendor error, you recently received an email with a subject line indicating your application for the one-time Student Loan Debt Relief Plan had been approved. The subject line was inaccurate. The body of the previous email was accurate. 

We have received your application but are not permitted to review your eligibility because of ongoing litigation. We will keep your application information and review your eligibility if and when we prevail in court. 

We apologize for the confusion, and you do not need to take any further action at this time. We will keep you updated with any developments. '' How is it possible that despite all the time and resources available, my paperwork and correspondence can be so poorly handled? To what kind of justice can these delinquent organizations and their leaders be held? Where are the investigations into this massive malpractice?
Consumer complaint received 2022-10-11
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. (NC)

I have reached out to the credit bureau via phone and XXXX XXXX  since XXXX of 2022 regarding multiple unauthorized inquiries submitted on my personal credit report. 

I have advised that not only did I not authorize the requests, I also informed the credit bureau that I have been a victim of identity theft in the past which proper documentation has been provided to the bureau along with a police report, but I also have been a victim of multiple data breaches which they have been made aware of also via XXXX XXXX, with XXXX being one of those credit reporting agencies who notified me of their own data breach.
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Payfare International Inc. (IN)

XXXX who manages XXXX XXXX is holding onto extra funds and they claim the extra funds are a preauthorization from the merchant. I made a payment using XXXX XXXX by linking my XXXX XXXX card to my XXXX XXXX. The hotel I live at, billed my XXXX XXXX for {$51.00}. XXXX is holding an extra XXXX XXXX claiming that its a preauthorization from the merchant. I have verified with the hotel and XXXX XXXX that this is not true. I have a receipt from XXXX XXXX for the {$51.00}. The merchant did not preauthorize for a greater amount. The hotel is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Consumer complaint received 2022-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX CONVERGENT OUTSOURCING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING 87387851 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXXXXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

This is a response to complaint XXXX ( Ive attached your reply ).

If I understand correctly, you removed all fraudulent information on XX/XX/year>. However, as of today ( XX/XX/year> ), XXXX has again declined my dispute to remove this fraudulent account, stating that the bank confirmed it as legitimate.

Could you please ensure that XXXX is contacted and this account is permanently removed? Ive been dealing with this issue for 800 days and every time your response Please wait for 60 days doesnt work.