davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc. (GA)

I am making a complaint against this company because they are refusing to remove this collection that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting with XXXX. Remove this item from my credit report ASAP
Consumer complaint received 2024-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT ACCOUNTS. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.
Consumer complaint received 2019-07-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CONTOUR MORTGAGE CORPORATION (NY)

To whom it may concern On XX/XX/2019, my father and I went to see a property located at XXXX XXXX   XXXX XXXX house. Our agent XXXX XXXX was not available at the time, but he told us to show his card to the seller agent. We saw the house and we had conversation with the seller agent XXXX XXXX. Ms. XXXX then reported that the seller is in the process of getting another house and the lender is XXXX XXXX from Contour bank and the seller want the buyer to use the same lender. I told Ms. XXXX that I am pre-approved from XXXX XXXX however she insisted and said that I must use XXXX XXXX because that is what the lender wants. She then texts me the lender XXXX XXXX business card and the loan options and told me to call her. 
We liked the home, and, in a way, I was forced to use this lender, so I called her. Ms. XXXX confirmed that she is doing the seller other house loan and she is going to make sure the seller has a strong buyer and therefore I was referred to her. I gave her documents she needed. On XX/XX/19 she said there is a problem with the house that I currently own at XXXX XXXX XXXX XXXX XXXX, NY XXXX. She said Your pics on the XXXX listing looks like one of the units or entire home is vacant and no one is living there. When were trying to make a case that two families are moving out of a two-family house. This in not a good Look. I told her that XXXX XXXX XXXX XXXX XXXX, NY XXXX is my current primary residence where also my parents lives. I also reminded her that I have given residency verification documents already for me and for both of my parents ( driver license and utility bill ). I also explained the picture that was posted for the listing was old pictures that was used from previous owner. She then told me that I did fraud and she will deny the loan based on the picture that was posted on XXXX. 
There are few things that are my concern. The lender is also the seller lender and looking after seller interest. I have provided documents that I live in the XXXX XXXX XXXX XXXX XXXX, NY XXXX house. MsXXXX XXXX did not offer any other options and took it personally and was to quick to conclude that I am denied the loan based on fraudulent documents, XXXX listing pictures and she called me a liar ( without having any evidence ). Her action was nowhere professional, and I was confused if she represents the bank, seller agent interest or her interest. Also is there any chance to get a fair loan from her? My agent XXXX XXXX also reported that the seller agent knows confidential information which XXXX, Ms. XXXX shared with her ( breach of confidentiality ). 
I have good credit and all documents that I provided to her was legal and with her directions. I dont want her unethical practice, unfair judgement to affect my credit records or future purchase of home. At this moment XXXX dont want the loan ( I did not sign any paperwork with her ). 

XXXX XXXX
Consumer complaint received 2019-09-27
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. (CT)

Reference Consumer Report # XXXX. Victim of ID theft. Not satisfied with the investigation. From start only account liable for is XXXX. Unemployed only reason have not made any payments. Will honor the debt ASAP. Other accounts totally unreasonable. Just refer to my comments in disputing that report. XXXX XXXX only agreed to cosign 1 loan  for {$2000.00}. Now it turns out to be who knows what. Was unemployed at the time was asked to cosign a second time. Definitely could not pay another loan. Seems to me very lax, irresponsible to be even considered as a cosigner if I could not pay. Definitely not liable. With regards to Human Services account being delinquent of {$140.00}, never lived at the address in XXXX XXXX which was used. Absolutely never received any payment or money from that institution. Never opened an account with XXXX XXXX, XXXX. Definitely should be taken out of that report. Seems not to accurate information or a poor job was done. Definitely will follow with the companies involved personally to try to clear it up. Thank you for your kind attention.
Consumer complaint received 2019-07-25
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. (AL)

I have never dealt with these creditors in the past. I contacted Transunion and XXXX to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXXXXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2019-07-25
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have multiple credit card accounts open with capital one in good standing for nearly 5 years. In XXXX of 2018, there was an error in the app and the payment I made toward one credit card, the oldest I have with them, was not received. I was never notified by capital one that the account was delinquent, otherwise I would have rectified the problem immediately. You could clearly see in my credit file that for years I have made thousands of dollars in payments monthly and have never been late. Why would I have been 30+ days late on a {$25.00} payment? I tried asking capital one for goodwill removal of this after it was actually partially their fault for never notifying me and also for their app not allowing my payment to go through. They denied help over the phone multiple times over multiple times and I wrote formal letters to Capital One @ XXXX XXXX XXXX in XXXX XXXX XXXX and never even received a response. I recently asked for verification from the credit bureaus and capital one even furnished completely erroneous information on the late payment, stating to the bureaus it was late in XXXX, when it actually was XXXX, further negatively affecting my credit score as showing the late had been more recent than it was. I just simply would like capital one to appreciate a customer who has never stiffed them on principal or interest and have even referred people to their bank. Now they are treating their good customer like a criminal and affecting a 6-figure earner into barely even being able to get a decent rate or account anywhere because of this negative activity on my credit report.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I recently requested that a late payment be checked for verification because the original creditor, XXXX   XXXX, would simply not work with me at all. I have multiple credit cards opened for multiple years now with XXXX XXXX and a great outstanding relationship with XXXX XXXX. In XX/XX/2018 a payment was not received due to an error in the app. Its a bit ridiculous because the minimum payment even was only {$25.00}, and Im making thousands of dollars in credit card payments per month, as seen on my credit file history. Why would I miss a {$25.00} payment? They never even notified me that it was delinquent, which is standard for creditors. Thats why it went over 30 days. Never even noticed, as I just assumed the payment went through. They never told me about an error. 

Now heres the kicker with the credit bureaus. I asked for the verification recently from all bureaus and they came back updating it as late in XX/XX/2018 instead of XX/XX/XXXX, which I know for a FACT is completely erroneous, because the late was in XX/XX/XXXX, not XX/XX/XXXX. How could these bureaus have properly identified with XXXX XXXX? I dont think XXXX XXXX   would have told them it was late the following month. XXXX even took it off and then put it back on as more incorrect than it previously was.
Consumer complaint received 2019-09-26
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. (MA)

OnXX/XX/2019 I sent Experian a letter requesting them to provide me with an originally signed consumer contract for 3 inaccurate accounts which do not belong to me from ( 1 ) XXXX, ( 2 ) XXXX   XXXX  XXXX and ( 3 ) XXXX XXXX XXXX.  According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) Experian is required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts Experian posts on a credit report. On XX/XX/2019 Experian signed the return receipt. Which means Experian is in violation of the Fair Credit Reporting Act because today is XX/XX/2019. On XX/XX/2019 I looked up Experian report # XXXX with dispute results which clearly shows they are continuing to report ( 1 ) unverified account ( XXXX   ) which is against federal law. They have failed to provide me with a signed consumer contract. I have attached a copy of the letter Experian received dated XX/XX/2019, the certified mail receipt dated XX/XX/2019 and the updated Experian credit report # XXXX dated XX/XX/2019 and the USPS tracking showing the letter was delivered on XX/XX/2019.
Consumer complaint received 2019-09-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc. (WI)

On XX/XX/2019, I sent the debt validation letter to the Alliance Collection Agencies , XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, WI XXXX along with the certified and return receipts regarding the account # XXXX, and balance {$350.00} as of XX/XX/2019.  Not only that they failed to proof that it owns or has been assigned the debt by the original creditor or verification that I owe the debt and the amount of the debt within 30 days, they either sold or transferred the account to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX on XX/XX/2019. They also assigned new account # XXXX. This is a violation of the collection practices act for a debt collector to refuse to send a validation notice and failed to respond to my verification letter. Also, this is debt collector malpractice to either sold or transferred the account to a new collection agency since the debt hasn't been adequately validated.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I attempted to disputed this item w/ TransUnion using 3 different computers. Each time the page froze, deleted my information, logged me out or did not give me the option to submit the complaint. 

XXXX XXXX XXXX XXXX reports that I was 30 days or 60 days late throughout the term of my loan. This is inaccurate, they regularly reported that it was 30 days late when it was no more that 7 days late. Please also note that they have me at 60 days late in XXXX of 2015, while XX/XX/2015 shows that I was on time, rather than 30 days late. This shows their inaccurate reporting. None of these payments were ever later that 7 days late.
Consumer complaint received 2019-07-24
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)

XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$2700.00} on the XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account does not belong to me and should not be reporting on my credit report. This account belongs to my son. I have contacted XXXX and the representative that I spoke with assured me they would remove this account, however the account continues to be reported on my credit report. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I submitted a complaint against credit reporting agency TransUnion through the consumer financial protection bureau. On XX/XX/XXXX I received a response stating that there was a response from the company. The response said that after " CAREFUL REVIEW '' it was determined that the information was not currently on my Transunion report. However, upon further research into the matter I have determined that the item is indeed showing on my Transunion report. The item appears as XXXX XXXX in the amount of {$200.00} with the original creditor being XXXX XXXX. It seems to me that Transunion 's " careful review '' is inadequate. Below is the original text of initial complaint. 

On XX/XX/XXXX I received an email correspondence from a representative with XXXX XXXX AKA XXXX XXXX. This correspondence stated that I had a past due bill of {$270.00}. The representative stated that {$25.00} of that amount was a late fee that was agreed to being waived after I had complained about it being added. Therefore the amount to be paid was now {$240.00}. I paid that amount. There should have been no more billing after that payment as my account had been closed for quite some time at the point of that payment. However, XXXX XXXX AKA XXXX XXXX, continued to bill me with more charges. I disputed this information with the credit bureaus at some point and had these erroneous entries removed from my credit report. Over the course of time I have lost the original billing statement that I had sent in to the credit bureaus to prove that I had paid what I had owed at the time. XXXX XXXX AKA XXXX XXXX sold the account to another debt collector and this falsely reported charge off has been hindering me for years. I even requested billing statements of which the collection agency provided incomplete statements. This collection agency provided statements from XX/XX/XXXX and beyond. These are statements that should never have been sent me. When I requested statements from XXXX and XX/XX/XXXX I never received a response with that information. Every time that I dispute this information with the credit bureaus, the credit bureaus allow the information to remain and report it as " resolved ''. If they have information to say that I owe a continued debt that I know that I do not owe, then they should be able to provide a statement of what was owed to them as of XX/XX/XXXX. That is the debt that was paid. I do not owe this company any more money nor should I owe any company that they sold a false debt to.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMO Bank, N.A. (AZ)

On XXXX a credit card for the amount of {$3000.00}, on XXXX a car loan for the amount of {$30000.00} and on XXXX another car loan for the amount of {$98000.00} was opened in my name without my knowledge or consent. I have reached out to all consumers and all 3 credit bureau insisting that they handle these fraudulent accounts respectfully. I have mailed all parties all the documents including police reports and FTC reports to hep wit this matter. XXXX and XXXX has since received all documents and removed these fraudulent accounts respectfully. XXXX responded back to me claiming that the consumers verified these fraudulent accounts which is a violation of my right under federal law XXXX ( c ) I also spoke with a supervisor at XXXX Special Handling Department by the name of XXXX XXXX which he responded that I need to contact consumer again and there was nothing he can do after who explained to me that all my paperwork was valid including police report. so I totally feel like I am being Biased towards me because I informed him that my rights was being violated and I was gon na file a complaint which made him claim that he was gon na put the dispute back in.. he refused to handle this matter professionally and I would like for someone to take over this matter respectfully.
Consumer complaint received 2019-07-25
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)

Well i just sent you all a complain against XXXX about not been far under the fair credit report act ... XXXX stated that they let me know and they didnt valid and let me see a where i sign to give these people permission to run my credit i file a credit freeze several times and they never got back with me about the freeze it should work like this if u have a credit freeze on your report they shouldnt let your credit be ran and contact u to see if u gave them permission to ran your credit they are breaking all type of federal laws if you all look at the time i put the freeze on my credit my credit was ran i HAVE XXXX XXXX XXXX XXXX AND THIS IS STRESSING ME OUT WITH THESE PEOPLE THAT BREAKING THESE FEDERAL TRADE COMISSION LAWS THAT WAS PUT IN PLACE TO FOLLOW FEDERAL I HAVE XXXX XXXX XXXX. I HAVE OTHER MEDICAL ISSUES AND THIS I DONT NEED TO BE GOING BACK AND FORT ... CALLING THEM AND DISPUTE ITERM AND IT DONT MOVE NO WHERE I NEED TO SEE A SIGNIFICANT WHERE I SIGN THESE DOCUMENTS GIVING THEM PERMISSION TO RUN MY CREDIT AND JACK IT UP ON INQUIRES SIDE AND CREDIT
Consumer complaint received 2019-04-30
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. (DE)

I did have a XXXX XXXX Credit card in XX/XX/2015 that XXXX called me at stated that the card was being used in different states as I lived in XXXX Pa. They stated at that time it was used in CA which I was never there and said they are going to close that gas card because it was stolen. I said I understood and questioned if I would be responsible for any payments and the women stated no, it was stolen. I e-mail XXXX customer service and explained what happened and question why was it reported to the 4 credit bureaus under my name. In that email she responded we don't report any defaults of unpaid payments to the 4 credit bureaus but it was in an inflated mount of {$360.00} dollars as it was closed under {$100.00} dollars. Its on my credit report under XXXX/XXXX and unpaid debt of {$360.00} opened in XX/XX/2015. I tried to have them correct this error but apparently they refuse. Under the credit card agreement, I am not responsible for fraud as XXXX/XXXX is in breach of contract.
Consumer complaint received 2019-07-24
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been a Capital One customer since 2016 and during that time, I have enjoyed my experience with Capital One greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have a few late payments on the above referenced accounts that date back to XX/XX/2016. Since that time I have been an exceptional customer paying early every month and have been rewarded by Capital One with ever increasing limits and lower APRs. 

Because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative payments from my credit report. At the time of those late payments, I was a full time college student without a job. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that Capital One is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with Capital One. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. Capital One has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Capital One is heads above the rest. I look forward to your reply.
Consumer complaint received 2019-07-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NY)

Hello. 
This is an " Charged Off Account ''. 
To my recollection. This account was opened in XXXX. 

My card was stolen, and I reported this to the creditor 's collection agency, which was Midland Funding. 

I just recieved a notice from the XXXX XXXX Sheriff 's Department of XXXX County ( received today XX/XX/XXXX ). It was time stamped by the Sheriff on XX/XX/XXXX. 

The File no is # XXXX Attorney : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX Tel # XXXX Account # XXXX They have threatened to Garnish my wages. They want to garnish payments of {$330.00} from each of my paychecks ( Bi Weekly ) until the debt is paid.