davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
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. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-03-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

XX/XX/2022 I recieved a security alert with Experian about a recent credit application with XXXX. I have no idea who they are or why they pulled my credit for an account. I called and spoke with several individuals who will not pass me over to a manager because they couldn't speak. I was on the phone for over an hour getting the run around and asking me they could not help me because i did not have my account number or card number to identify my account/I had already told them I have not applied for any accounts with this bank-He said no one can help me and for me to go straight into a bank -these people who are working for this company lack customer service and urgency ridiculous
Consumer complaint received 2022-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (PA)

Chase sent my property and school tax payments to the wrong address and collection office resulting in my taxes being delinquent. I had spoken to XXXX XXXX in their executive office at XXXX. She advised it would be taken care of and I received a letter from Chase stating the payment was sent. However I received a letter on XXXX from my local tax bureau sending my delinquent payment to collections stating they havent received it yet.
Consumer complaint received 2022-03-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (AZ)

I have already reached out with certified mail with tracking of the recipient to IQD You IQ DATA INTERNATIONALXXXX XXXXXXXX at XXXX XXXX XXXX BROKE NUMEROUS LAWS INCLUDING 15 USC 1681 ( b ) ( 2 ) permissible purposes of consumer reports section 2 states 'in accordance with written instructions of the consumer to whom it relates '' ... you are only allowed to furnish anything on my credit report if you have written my written consent. you furnished derogatory information on my file which has ruined my financial reputation.

furthermore you also are in violation of 15 USC 1692 ( g ) by not communicating to me of the alleged owed debt first. your first point of communication was on my consumer report as my proof shows you reported on my credit XX/XX/2022, Then you reached out to me on XX/XX/2022 A DAY LATER. that's against my individual right to privacy. ALSO this is false and misleading representations pursuant to 15 USC 1692e showing a positive balance of XXXX. I the consumer can not pay on a positive balance is this a balance you owe me? remit payment to me as you are required you have 30 days from this notices to respond. All docs were signed and ready for possible litigation I don't want to result to this but I have no choice but to protect myself as the consumer and natural person this has been an infringement upon my rights and has been a form defamation of character, negligent Enablement of identity if Fraud, FDCPA 15 USC 1692G, FDCPA 15 USC 1681 violations for willful non compliance 616. civil liability for willful noncompliance ( 15 USC 1681n )
Consumer complaint received 2022-03-08
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-06-27
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT WORLD SERVICES, INC. (FL)

In XX/XX/XXXX I requested my transcripts from XXXX  XXXX University and realized I had a financial hold on my record. I paid off the amount that was told to me and they released my transcripts. In XX/XX/XXXX, I requested my transcripts again and an additional hold was placed on the same day that I advised if there was anything left to pay and was told my account was cleared. No one can advise what this hold is for and why was it added after the fact, I attended this university for 1 year in XXXX.
Consumer complaint received 2022-03-16
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. (CA)

I received a report through both XXXX XXXX and XXXX XXXX XXXX that a new hard inquiry had been reported on both my Transunion and XXXX credit reports. 

Both accounts show a hard inquiry from XXXX XXXX on XX/XX/2022 located at XXXX XXXX XXXX, XXXX, VA XXXX, Phone Number ( XXXX ) XXXX. 

I did not submit an application for credit with XXXX XXXX. XXXX XXXX was unable to verify any credit application using my social security number or cell phone number. XXXX XXXX refused to attempt to find an application using other personal data ( name, birth date, address ) that might have been compromised. 

My Transunion report reflects that : Within the past 90 days, companies that requested your report provided the following information. 

Name XXXX XXXX Requested On XX/XX/2022 Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX This is presumably the information that was provided to XXXX XXXX in connection with the credit inquiry. However, the address does not match any of my record addresses, which should have alerted Transunion to the likely fraudulent nature of the inquiry. Transunion apparently nonetheless responded to the inquiry from XXXX XXXX. Transunion has refused to delete the inquiry from my account without a Letter of Deletion from XXXX XXXX, which has disclaimed any knowledge of the inquiry and refuses to further investigate or a police report. 

XXXX allow me to submit an online dispute regarding the inquiry but summarily dismissed the dispute with a statement that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' They similarly indicated that my only options were to pursue it with XXXX XXXX or obtain a fraud report. 

I also received a call purportedly from XXXX XXXX 's fraud department directing me to call in reference to a recent application ( XXXX ). This does not appear to be a legitimate call from XXXX XXXX, as this number is not referenced on any XXXX XXXX site.
Consumer complaint received 2021-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I need some help, my car loan is through Capital One and I have an open good standing small credit card with Capital one however there is an account reporting on my credit stating in collections with this same company listed stating I owe XXXX BACK IN 2019 WHICH is NOT correct. Please help this must be someone else 's account
Consumer complaint received 2023-02-22
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

called fifth third bank for mortgage forbearance around XXXX of 2020. The forbearance plan was initiated but was cancelled shortly after before my mortgage for the month of XXXX was due. Fifth third bank officially cancelled it after I called in. Afterwards I paid my mortgage on time for the next six months until XX/XX/2020. Thats when I called in to initiate covid mortgage forebrance again according to the CARES Act. This time I officially utilized it for 12 months. Fast forward to now its been a year and I have 6 month left on my extension for foreberance since CAREs act stated 18 month total for my situation, and the mortgage servicer confirmed I do qualify for 18 months. While on the phone with their customer service representative they stated I can not have my full 18 months because XX/XX/2020 I called in to start foreberance. They are counting the 6 months gap between XX/XX/2020 to XX/XX/2020 as foreberance taken, even though I wasnt on the the plan becuase it was cancelled and I made all Mortgage payment due on time during that 6 months gap. The customer service also lied on the phone stating they are doing this because its their investors policy. And the investor happens fo be XXXX XXXX  which the representative gave me their customer service number. I called XXXX XXXX they have stated they never issued any policies regarding this and they abide by the CARES Act of granting 18 months of forbearance. 

The above paragraph was from my last complaint. It's still valid. Now I need to my last 3 months of forebearance and fifth third bank has denied it again. I was told it might be possible to get an exception from XXXX XXXX to proceed but I still haven't received any confirmation from fifth third bank.
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IL)

Wayfair closed my account without even notifying me and it made my credit score drop!!! The creditors are intentionally trying to keep me in subprime loans at high uncapped interest rates and have been for thirty years!! I work for the government! I know my balance is high but I pay my payments timely!! They are just mad because I have deferred interest and they are not making a huge profit off me as I am not paying off the balance and purchasing more and more! I only buy what I must to get by as a twice widowed mother that is all I can afford! I already disputed with XXXX and they did nothing less than a week letter sent me notice it was accurate!! Shut these crooks down they are working together to ruin everyones credit so that they have to pay unregulated usury interest rates!!!
Consumer complaint received 2022-03-16
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: Resurgent Capital Services L.P. (PA)

LVNV reported to all three credit bureaus that I owe them {$780.00}. I have asked them to please verify the debt by showing me the original signed application and statements they have not. I live and I'm multi-family triplex with unsecured mailboxes and packages are stolen. I have been denied credit and a place to live because of this inaccurate credit reporting by lvnv. Also I noticed that they have my name as XXXX XXXX HOWEVER my name is XXXX XXXX XXXX
Consumer complaint received 2022-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

Hello- I've been working to confirm the instrument of indebtness in its original form to be able to confirm this debt. How is it that I owe a debt for which a contract can not be produced? Furthermore, I'm seeking LITIGATION '' as I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I received a call from MBA Law stating I owe money for a medical debt. I advised them that I have no knowledge of that debt and to please provide information in writing. They never contacted me again or sent the information in writing. Now I see a collection on my report, and I don't know what it is about?
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I got a XXXX XXXX XXXX XX/XX/XXXX I signed up for automatic payments weekly. I never missed a payment and they started reporting the payment late and their excuse was it's late from when it actually goes to them not when it's debited out of my account. Also their interest is ridiculous which is not in my contract they have daily interest chargers and it can be whatever they want it be what I was told by one of the customer service. I the lease was for {$17000.00} I paid over {$12000.00} in two years they said I still owe {$14000.00} my insurance company paid {$10000.00} when the vehicle was totaled out in XX/XX/XXXX they have been reporting every month on my credit report missed monthly payments. I don't owe them paid more than enough they are rude when I call told me good luck on getting it deleted from my credit report. Now they are saying I still owe them {$4000.00} or settle for {$600.00} and the person who is responsible for reporting credit can't be contacted by phone only by email that they can't provide me. The company is credit acceptance I joined a class action lawsuit against them for doing the same to others yet they are still posting inaccurate information on my credit report.
Consumer complaint received 2022-03-18
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. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-08-12
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (MD)

Depositing monies into my account and the monies never showed up. Also not being able to get assistance with locating the monies. Prior to and thereafter BB & T Truist merged with Sun Trust the problems worsened. A few XXXX of dollars is unaccounted for. The most recent funds that is unaccounted for is XXXX which was transferred from my savings account to my checking account. I am not making any progress in learning what happen to the monies. It is remains a mystery. My account has been breached repeatedly ( before the merger ) and I never recouped all my funds. Two employees at the bank informed that the computer systems were not working property and customer accounts were all " screwed up ''. I can attest to that : I called about fraud on my account and the representative said " I can't see the information all the information that you can see online because the systems were messed up ''. This went on for an extended period of time and they are still having issues. I went to the bank approximately two weeks ago on a Saturday and they were not able to let the customers in because they were having computer problems and therefore unable to perform and transactions. Eventually we were let in. 

Please help.
Consumer complaint received 2022-03-18
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX  and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n XXXX and XXXX  That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now
Consumer complaint received 2022-06-07
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: AMERICAN HONDA FINANCE CORP (LA)

In accordance with the fair credit reporting act XXXX  account # XXXX American Honda Finance, has violated my rights. 
15 USC 1681 Section 604 A Section2 : it also states a consumer reporting agency can't furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has spotted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637B.

This account was reported incorrectly four times on my credit report. I have sent a letter requesting the remove, but the company only updated the payment status.
Consumer complaint received 2022-03-18
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: EQUIFAX, INC. (TX)

I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) ( 2 )