davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico 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 60 days straight with transunion 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 4 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 Transunion. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-08-17
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. (FL)

to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report..the of collection that is being reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the of accused collections account and date FOLLOW XXXX XXXX XXXX on XXXX XXXX for the amount of {$250.00} .BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW TRANSUNION is CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter
Consumer complaint received 2022-06-24
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: EQUIFAX, INC. (NJ)

Hi I am submitting this 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 fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 60 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 4 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (NJ)

I was contacted by Credit Corp Solutions on the phone and via email. This debt is not owed by me and I would like for this company to stop contacting me. I even tried to verify this debt on their website with my DOB and last four of SSN and it says not found. Original account number is XXXX and balance is {$1600.00}.
Consumer complaint received 2022-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting act DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-06-24
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: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX ( XXXX ) Amount {$1600.00}, XXXX XXXX ( XXXX ) Amount {$3900.00}, XXXX XXXX ( XXXX ) Amount {$1200.00}, XXXX XXXX XXXX XXXX ) Amount {$960.00}, XXXX XXXX XXXX XXXX ( XXXX ) Amount {$3000.00}, XXXX ( XXXX ) Amount {$2100.00} has violated my rights. The above accounts were previously disputed XX/XX/2022 and have not been deleted from my credit report.

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.
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WI)

In XX/XX/XXXX PHH mortgage in formed that I was already 3 payments behind {$4100.00} and that foreclosure measures would start on XX/XX/XXXX if the account wasn't brought to good standing. As I informed them due to being XXXX XXXX XXXX being hit by financial hardship by covid and the up raise in my mortgage payment it has become affordable to continue paying on the mortgage. No assistance to date has been offered and a foreclosure in in process. This is the only home I have known since my husband and I purchased the home in XXXX. There is a {$70000.00} loan taken back in XXXX and the principal remains at {$70000.00}. They continue to increase my monthly payment. I see back in XXXX the action suit brought against them for insurance kick backs and I never received any sort of refund for that. The amount due now to bring the account to good standing is {$8700.00} I do not know what to do.
Consumer complaint received 2021-08-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I made a negotiation with the creditor for the payment of this debt. Once paid, I send comments to the credit report that were not agreed upon in the negotiation. the debt was paid so that the credit reports gave me back the points that they took from me at the time of the negative report. I appreciate your help in filing a complaint against the XXXX XXXX XXXX XXXX this negative credit report that was paid in full and agreed with the creditor so that they would not report it with the comments with which they did. I paid on XX/XX/XXXX and a letter arrived a few days later with the comments they would make. certainly the letter was issued on XXXX XXXX but it came to my mail on XX/XX/XXXX ( I would have already made the payment on XXXX XXXX-debit to a bank account or payment with a debit card ) in breach of the initial agreements. I present financial income problems, my wife was unemployed and I also for a few months, motivated by the global pandemic, my daughter became ill and since XXXX I have been the only supporter of my house and my family. He had no way to pay the monthly installments of the vehicle and for that reason he decided to deliver it. They did not give me another option to pay it and now they refuse to formalize a dispute for these reasons
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

So I had a scheduled auto payment on my XXXX card which was sold to capital one. The auto pay was scheduled on XXXX I received an email from capital one about 5 days before the payment was scheduled reminding me that f the upcoming payment was coming up. Also on XX/XX/XXXX th the payment was showing pending. XX/XX/XXXX the payment was due they did not take out the auto pay. I believe this was fraud to get the late fee and interest from me for the profit. I have called many times after about ten calls I got the late fee reversed. When I call I get a different story from every person I spoke to. First it was I can canceled my checking account then I was told capital one cancelled it but they had info. And then for the first time during my better business bureau complaint they said I cancelled it but offered no proof. Offered no reason for all the lies. Very vague in there answer missing most the complaint. I need help one supervisor told me to wait by the phone on XXXX at XXXX and someone higher than her would call me. Took 2 hrs off of work cause this was serious issue I wanted resolved but the call never happened approximately 2 weeks ago I was supposed to get a call from some dept that can only be reached by email. Still waiting on that call that person did not promise a time frame but I told her they would not call. Every time I pick up the phone and call them they lie thats why I think this was intentional cause if in fact cancelled my auto pay this should of been resolved with the first phone call it would of been simple. Sorry sir would you like me to take the auto pay out. I would have said yes and asked nicely if you can waive the late fee and any reasonable company would of said yes. Simple solved no they told me I closed my checking account. Not capital one over 15 phone call and would not take auto pay out I even begged them
Consumer complaint received 2022-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX  ( XXXX ) Amount {$1600.00}, XXXX XXXX ( XXXX ) Amount {$3900.00}, XXXX XXXX ( XXXX ) Amount {$1200.00}, XXXX XXXX XXXX XXXX ) Amount {$960.00}, XXXX XXXX XXXX XXXX ( XXXX ) Amount {$3000.00}, XXXX ( XXXX ) Amount {$2100.00} has violated my rights. The above accounts were previously disputed XX/XX/2022 and have not been deleted from my credit report.

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.
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Please see below which is the exact letter that was attached to my second dispute with Citizens over this charge. They do not care about their customers, they will not take time to read a written explanation from their customer, but they will accept a screen shot from a company. I can take screen shots all day and insist people owe me money ... Wouldn't that be a good business model ... I need this handled so I can close my accounts and never deal with this bank again. The dispute was for two charges totaling XXXX, not XXXX. XXXX A.K.A. XXXX XXXX would not grant me access to cancel. I could not dispute with PayPal until it was charged, I emailed PayPal to not allow any further charges. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - RE : CLAIM NUMBER XXXX I have tried to explain this situation over and over again. I signed up for a two week trial of XXXX After signing up I realized I was locked out of my XXXX account and the only way to cancel the subscription was to login. At this point I attempted several times to reset the password. XXXX was suppose to send me a link to my backup email and never did. The only way I could cancel the subscription was to wait for the charge to be processed by XXXX as I could not dispute a charge that hadn't happened yet. Once I disputed they denied it and asked me to reach out to XXXX. I kid you not the email they provided was XXXX. PLEASE NOTE : That in my initial dispute I asked them to stop any further transactions from XXXX. The charge hit my account again on this account as well as my personal account. When I seen this I went back to XXXX and seen that they again denied my claim. This is when I contacted Citizens. Below is a bullet point to m

ake it more clear.

Signed up for trial approximately two weeks
before the first charge which cleared on XXXX 
When the charge was still pending I disputed with XXXX. 
XXXX denied without my knowledge after I had already requested no further charges be taken. 
I contacted XXXXXXXX again and they told me to contact XXXX I signed up for a new account with my personal email during this time. 
This account and my personal account were both charged in XXXX. 
I am owed XXXX from XXXX XXXX For a total of XXXX I will attach the correspondence between me and XXXX. This is now limited as I just received an email from them that they received the dispute from citizens and I no longer have access to all the correspondence on their site. Please note that if you look at my business account you will see the charge for XXXX on XXXX and XXXX on XXXX You will also see the charge for XXXX on my personal account on XXXX. ( This is the only charge I am liable for ). 

Again XX/XX/XXXX was the trial I attempted to cancel as I could not do so before it was processedXXXX XXXX  was a duplicate to the XXXX charge on XXXX to my personal account as paypal never put a stop to the billing per my original request. 

Thank You, XXXX XXXX.
Consumer complaint received 2022-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NC)

Fay Servicing services my mortgage, which includes monthly escrow payments. Fay failed to pay my insurance bill when due on XX/XX/XXXX, and I only found out about this as I was doing a routine check on my insurance coverage. My policy expired on XX/XX/XXXX and is currently in its grace period through XX/XX/XXXX. 

I then contacted them the week of XXXX regarding their failure to pay my insurance and uploaded a copy of the invoice and policy to their site, as requested. They still failed to pay the invoice, instead sending a letter regarding force placed insurance. So, I contacted them again on XX/XX/XXXX and emailed the same info to one of their customer service reps who informed me that he would make sure it was addressed. After following up multiple times on XX/XX/XXXX and XX/XX/XXXX, I was finally advised that payment was made. However, to date ( XX/XX/XXXX ), XXXX XXXX still has not received any such payments, so I paid the bill myself on XX/XX/XXXX to avoid a gap in coverage. 

Due to Fay 's incredibly poor servicing practices, I nearly lost coverage on my property, causing both exposure to me and the actual lender. Fay 's failure to pay the XXXX XXXX invoice out of escrow proceeds and then attempting to force place insurance on me is wholly unacceptable.
Consumer complaint received 2021-08-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (NV)

Theyre trying to collect medical debt for me from XX/XX/XXXX or XX/XX/XXXX and I have made several attempts to contact them through a credit attorney and me personally and with it continue to leave messages and send letters about a medical debt this year and Ive had XXXX since XXXX and I provided my medical insurance when I was at that hospital XXXX XXXX XXXX.. I dont owe them anything XXXX XXXX has already been paid And if it doesnt work which it should I was so also if I didnt have insurance that the presidents or the Congers cares act with pay for medical service consider that I had XXXX
Consumer complaint received 2022-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (AP)

Complaint is against Sequium Asset Solutions. 

XXXX XXXX XXXX continued to charge me for an account I did not intentionally open. On multiple occasions I attempted to cancel the account and refund charges. The account was closed and refunds discharged in XX/XX/2021. On or about XX/XX/XXXX a new charge for {$330.00} appeared on the account even though it was closed. I was unaware of this charge and later unaware that it was referred to collections because I suspended all service with XXXX XXXX XXXX due to military service. 

When I emailed Sequium to contest the debt in accordance with their notice ( which I eventually obtained via mail forwarding ) I received no response. I contacted them 3 times, once via their online system and twice by phone. I was told on the phone that they would address my contest of the debt with XXXX XXXX XXXX. 

After finally making headway with XXXX XXXX XXXX whose support team determined the charges were incorrect I was able to have the amount due cancelled. The debt is effectively resolved. 

But.. prior to this I received an email with a from line of XXXX XXXX XXXX Mobility but was emailed from XXXX as a reply to my request to contest the debt that read " Thank you for reaching out to us about your account. Attached is your final bill of {$330.00} which also includes detailed balance information. You may visit www.sequium.com to make a payment using your debit/credit card or checking account. Please feel free to reach out to us if you need additional payment options. 

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. '' It is clear that Sequium repeatedly willfully ignored my requests to contest the debt, failed to communicate properly with the status of my contest of the debt, demanded payment instead of respo ding to my contest, and possibly failed to allow me to contest it at all ( because rhey did not communicate confirmation or status ).
Consumer complaint received 2021-08-17
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: EQUIFAX, INC. (VA)

I have reached out to XXXX  multiple times to notify them they are reporting inaccurate items on my consumer report. In addition, I have advised them I have NEVER given any written consent to them or any other agency or third party agency to report any items on my consumer report. I also provided them the FCRA laws that they are violating and advised that they are directly violating my rights. 

NO CONSENT IS IDENTITY THEFT! 

ACCOUNT NAME : XXXX XXXX XXXX/HEAR DATE OPENED : XX/XX/2020 REASON : UNAUTHORIZED
Consumer complaint received 2021-08-17
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: EQUIFAX, INC. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-07-18
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. (MS)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, and Reference # XXXX XXXX XXXXXXXX XXXX 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 an account without my written instructions
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (HI)

This debt appeared on my credit report. The company sent the debt to collections without my prior knowledge that I owed the debt. I reached out to the company in an attempt to resolve the issue. The company employees sent me through multiple channels over a period of a few months, none of which solved my issues. I attempted numerous times to dispute the inaccuracies through the appropriate credit bureau. Each time the dispute process was over, the company would add the debt to my credit report again, thus starting the origination date over. This prolongs the process of getting the debt removed. Furthermore, Ive reached out to the company to provide me the details of the account in order to prove the debt belongs to me, to which the company offers no response or they respond by telling me that Im not a current customer, they cant locate an account in my name.