davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
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. (NC)

I have sent factual disputes to the credit bureaus only for them to leave several items on my reports and claim they were " validated ''. They provided no information of how the investigation was completed, only that it was verified by the creditors. I pull copies of my report every month, and I have informed them that there are several blatant inaccuracies in my report that they continue to " verify '' as accurate with every round of disputes. They have inconsistent account opening dates, inconsistent Date of Last Activity dates, credit limit or high credit amount inaccuracies, and yet they continue to report these on my credit report. 

In addition to these inaccuracies, they are listing addresses that I do not reside at, and incorrectly formatted DOB, as well as having the wrong name on my credit report. Since I share the same name as my father and grandfather, how am I to know they aren't reporting stuff from them to my report if they wont list my name correctly on all 3 bureaus?
Consumer complaint received 2023-03-30
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. (MA)

In accordance with the Fair Credit Reporting act, " XXXX XXXX XXXX '' Acct # 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 2022-01-14
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. (VA)

Im filing a complaint because Transunion failed to comply with my re-investigation request in complaint XXXX. Since XX/XX/2021 Ive sent 3 letters to them and made over 7 phone calls to resolve this issue. They did not provide any documents requested to confirm their investigation. They are refusing to uphold the law and remove unauthorized inquiries. 

The law says, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Ive told multiple Transunion employees this but they say they dont remove inquiries. This is violating my consumer rights. Transunion must remove the inquiries immediately.
Consumer complaint received 2022-01-14
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: Experian Information Solutions Inc. (NY)

I have sent letters for over a month ago and I have not received any documentation from the Credit Bureaus Section 809 stated ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2022-01-14
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: HCFS Healthcare Financial Services of TeamHealth (NY)

I have sent letters for over a month ago and I have not received any documentation from the Credit Bureaus Section 809 stated ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2022-01-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (GA)

Between the years of XXXX, XXXX engaged in unfair, deceptive, and illegal practices by implementing a scheme to misallocate my loan payments toward interest rather than toward paying off the loan principal, misdirect payments towards loans with lower interest rates, and improperly impose capitalized interest.
Consumer complaint received 2020-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd (VA)

I received several calls in the last few days from XXXX ( XXXX, TX ) which came up as " Possible Scam ''. After seeing the same number repeatedly I answered it today. It was National Recovery Systems and they wanted to speak to XXXX XXXX XXXX ( but they had my phone number instead of his! ). I explained that he wasn't available and asked if I could take a message. They asked who I am and I said his spouse. He then asked me to confirm my husband 's birthdate which he gave to me. Since he already had it, I confirmed the date. He then said since I confirmed it he could now talk to me. ( He did not ask for my husband 's permission! ) He said this is a dept collection service and he referenced a debt of {$210.00} to XXXX ( medical providers ) from 2015. I said I had no idea why he was calling since I had already been through 2 credit collection agencies ( the most recent was XXXX XXXX ) regarding that {$210.00} and that neither could provide any documentation that showed I owed that debt. It had already been sent to the credit report agencies as a bad debt. I made that request for information by letter and stated that if they were unable to provide such documentation, they should remove it from our credit reports. I eventually received a letter that said they could not verify it and would remove it. ( The credit reporting agency finally, after reviewing my documentation, removed it -- XXXX did nothing. ) He put me to his manager who " could give me more information about the debt '' which had only come to them yesterday -- really?! ). When I started telling the manager that this matter was resolved months ago and furthermore, I didn't believe a debt that old could be pursued, he hung up on me. I have never before been told we owed any debt to XXXX and we have been using those facilities for many years! We pay our bills and always on time!
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (TX)

For the past 18 months I've tried to resolve an inaccuracy issue that was reported to all 3 credit bureaus. I have reached out to XXXX, XXXX XXXX, and XXXX regarding this matter ( disputes were also filed online ). I made a credit card payment for XXXX dollars in XXXX of XXXX to Regions Bank. 
I was kicked out of the system due to the website 's nightly maintenance. The issue resulted in me receiving a derogatory remark ( 30-day late payment ). I've spoken with 2 supervisors and several customer service reps in Regions credit card department on several different occasions regarding the issue. Regions advised that letters were sent to all 3 bureaus to have the discrepancies removed. 
After speaking with XXXX XXXX on XX/XX/XXXX I was told to request the letter be sent directly to me, I was instructed to upload the letter in the dispute portal online. 

I called Regions on XX/XX/XXXX. I was told by the credit department that the system wouldn't allow them to send the letter directly to me. The representative tried to locate numbers to speak with the agencies directly. Unfortunately, he was unsuccessful. After speaking with his supervisor, he was instructed to send yet another letter ( the 4th attempt sent ) to resolve the issues. I'm not sure why the letters aren't arriving to the proper departments but, at this point the inaccurate reporting is affecting my ability to secure my mortage loan. I can't be approved by my lender with any late payments under 2 years old.
Consumer complaint received 2022-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX I was the Victim of CRIMINAL ID THEFT. I had to go to court and travel back and forth between 2 different states to resolve the issue and clear my name. 

I was advised to add my mothers maiden name to my last name to PREVENT IDENTITY MIX UP / entanglement. 

After a lot of time, the crimes were no longer attached to my name and I had a new last name. 

In XXXX it happened again. Except I discovered I was the victim of credit ID theft. 4 credit card accounts were opened without my knowledge or consent or my benefiting. They were defaulted and sold many times from one debt buyer to another. 

My credit was destroyed. 

Ive spent YEARS TRYING TO fix it but in XX/XX/XXXX I was sued by XXXX XXXX for {$990.00} for one of the credit cards that was obtained fraudulently by someone using my information without my consent. 

I reported this to the police. 

I AM 100 % willing to press charges against the person doing this to me. 

I filed a complaint with FTC. 

I am defending myself in court against XXXX debt buyer. 

I requested TransUnion block the accounts that were opened as a result of my identity being stolen and received a response stating MY POLICE REPORT DID NOT APPEAR LEGITIMATE! 

But the fraudulent accounts were deemed VERIFIED. 

For 3 years fraudulent information was being reported against me and I didnt fight back because I felt powerless. 

Even though I received letters from 2 different debt buyers and XXXX XXXX stating they agreed that There was fraudulent activity and I was not liable.

How could TransUnion find a legitimate police report frivolous but fraudulently opened accounts verified? 

What system are they using? Who is benefiting from my credit having a lower score? What can be done?
Consumer complaint received 2022-01-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION ()

I worked for American companies for 10 years and lived in XXXX for almost 7 years. 
Upon leaving the USA in 2012, I kept the bank account open so that in the future I could receive the monthly withdrawals of the XXXX funds, accumulated over the period worked By chance my account, which was at XXXX in XXXX, migrated to BB & T ( now Truist ). I made an agreement with the branch manager to keep the account open and leave the necessary amount so I don't have to pay any fees or expenses. 
I am an XXXX XXXX  and finally I returned to my country of origin ( XXXX ), because I intended to retire there. I'm currently XXXX and need to move money between accounts, ie XXXX or bank-banks... 
I opened a formal complaint with their central, but they didn't even give me any feedback... 
It's amazing how this company doesn't have a form of communication by email or even an ombudsman... nor did I receive any protocol number for my complaint... that is, XXXX quality control. 
Surfing at internet I found XXXX XXXX XXXX, which I made a compliant there ( case XXXX ), and lately I saw that an agency like CFPB exists. 
Just after making a compliant in XXXX  I received an email from a lady called XXXX XXXX ( client resolution senior specialist/client advocacy ), stating that they do not offer OTS Outside Transfer Service , for whom that having residence outside USA, even transfer between American banks our financial institution managing XXXX funds. See attached email. 
She stated that the only way to have access to my money is going to the branch what a surreal and inconsistent issue as I have XXXX even having all vaccination done ( three doses ) the Omicron is spreading to fast and it is a high risk for my life! I do not know why they can do that, impeding me to transfer online my money to another USA bank and obliging me, just going to that branch in Texas to solve that issue and having access to my money. I have bills to pay and this is imposing extra financial expenses, due to that lack of not having the money.
Consumer complaint received 2022-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

I was behind on my mortgage payments, so I called Rushmore Loan Management Services to make arrangements ; we decided on a repayment plan for 6 months to catch up. the original amount was {$1500.00} right away ( XX/XX/XXXX and then {$2000.00} starting in XX/XX/XXXX. I mailed via fedex the {$1500.00} on time. I get paid bi-weekly, so the next payment of {$2000.00} was mailed via fedex XXXX, I believe, It was applied to my mortgage XX/XX/XXXX or around then. I included a letter along with my payment asking to split the payment in XXXX as I got paid by-weekly and have yet to receive any response from Rushmore. 
I mailed a payment of {$2000.00} XX/XX/XXXX for {$2000.00} via fedex, I received a confirmation from fedex that the envelope was received and signed by Rushmore XX/XX/XXXX. As of the date of the complaint XX/XX/XXXX, my payment has not been applied to the loan! I have called a number of times and all I was given was excuses. I even received an covert threat by a person named XXXX -customer service, about the status of my loan and how " far behind '' I was! 
I receive emails that I can check their website for statements and make payments online. I do not have access to Rushmore website ; Rushmore has blocked access because of this repayment plan in-effect! so I am XXXX here! I have not received paper statements either since XX/XX/XXXX.
Consumer complaint received 2022-01-14
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. (FL)

Attempted numerous times to have fraudulent information deleted due to identity theft as well as inquiry 's, charge off accounts that is not mine. I've also repeatedly asked to exhaustion that my correct and updated credit report information and scores reflect each of the accredited credit bureaus. Unfortunately, they ( XXXX, XXXX and Experian ) are still not communicating with one another to mitigate my reports in a cohesively manner. Also, their credit scoring system 's is suspicious, they all have a different scoring system that is very suspect to me. some uses advantage 3 & 8 and now 9 is in effect. This system acts like the mob and if they can't get it together the courts will .... I had enough.
Consumer complaint received 2022-08-02
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. (IL)

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 XXXX has me at a score around XXXX. 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-09-23
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: Bread Financial Holdings, Inc. (MA)

I paid XXXX XXXX/Comenity Bank the final payment on XX/XX/2019. I called XXXX XXXX and was told they would remove the negative information at the bureaus, but when I received the letter where they acknowledge ( " While we are confirming that your XXXX XXXX XXXX credit account is paid in full, keep in mind that any disputed amount is not included in this balance. Weve shared this information with the three major credit bureau reporting agencies. '' ) XXXX XXXX was one of many creditors that extended repayment terms during the height of the Pandemic. They did not keep their word. 

thank you.
Consumer complaint received 2022-07-08
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX, has violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

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

15 USC 166B : A creditor may not treat a payment on a credit card account number an open-end consumer credit plan as late for and purpose.
Consumer complaint received 2022-01-14
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. (NC)

I have sent factual disputes to the credit bureaus only for them to leave several items on my reports and claim they were " validated ''. They provided no information of how the investigation was completed, only that it was verified by the creditors. I pull copies of my report every month, and I have informed them that there are several blatant inaccuracies in my report that they continue to " verify '' as accurate with every round of disputes. They have inconsistent account opening dates, inconsistent Date of Last Activity dates, credit limit or high credit amount inaccuracies, and yet they continue to report these on my credit report. 

In addition to these inaccuracies, they are listing addresses that I do not reside at, and incorrectly formatted DOB, as well as having the wrong name on my credit report. Since I share the same name as my father and grandfather, how am I to know they aren't reporting stuff from them to my report if they wont list my name correctly on all 3 bureaus?
Consumer complaint received 2021-05-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this XX/XX/2021. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). also there are inaccuracies in the reported late payments according to 15 U.S. Code 1666b. Timing of payments, FDCPA 807 misleading false reporting, FDCPA 8012 furnishing deceptive forms, and also the CARES FORBEARANCE ACT. there are literally too many violations to name. please address this immediately.
Consumer complaint received 2022-02-22
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: EQUIFAX, INC. (FL)

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. This inquiry is inaccurate and needs to get deleted immediately : XXXX XXXX XX/XX/2021