davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
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. (MO)

In XXXX, I requested and was granted forbearance on my mortgage loan with XXXX XXXX. Over the next several months, I received statements indicating that I was enrolled in the forbearance plan. Additionally, I received multiple e-mails informing me about the forbearance plan.

After a recent credit report was pulled, it was discovered that the company reported my mortgage as delinquent for 60 or more days. That is inaccurate as I was enrolled in the forbearance plan. Disclosures state that there would be no foreclosure or negative impact to credit reporting agencies during period of forbearance.

This is not the case and the loan company is unable to be reached via telephone to discuss this matter. It is simply a 1-800 number that is voice automated to answer a series of generic Q & A.
Consumer complaint received 2020-10-09
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. (OH)

On XX/XX/2019, I entered into consumer credit counseling program which effectively closed all but 3 of my credit card accounts. Two of the major credit bureaus, XXXX  and XXXX, show that my account with XXXX XXXX ( XXXX  ) card is closed. Experian is  the exception. I've contacted the credit card company directly and they confirmed they have updated this information with Experian. I've filed 3 separate disputes with Experian and they have refused to update the status. I've attached the correspondence sent to credit card company, who confirmed they have updated this with Experian. I've also attached the disputes filed with Experian, credit report from XXXX XXXX, and statement from XXXX showing the account is closed.
Consumer complaint received 2020-12-03
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. (CA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2023-01-10
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. (LA)

I am a victim of Identity Theft and I have reached out to these companies stating that this is not my unknown fraudulent inaccurate accounts and addresses. There is so many violations on my consumer report including collection/charged off accounts that are not mine but still listed as open on my credit report. Account types are not listed, last date active is inaccurately dated for a post date. These accounts inaccurately and fraudulant contain information under the Bankruptcy Act. Because these companies have violated me i have expeirenced traumatize mental and financial.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TRANSUNION is reporting 2 Closed and Paid in Full Accounts inaccurately. I have sent them requests to correct these accounts starting in XXXX of XXXX, with a follow up in XX/XX/2022, then another follow up in XXXX of XXXX The time they responded they stated " verified by furnisher ''. However, this is not the furnisher 's error. It is how TRANSUNION is reporting the payment status. They are reporting a derogatory payment status on both accounts : A payment status is to report the CURRENT PAYMENT STATUS. 

XXXX- its paid in full and closed- 1 ) they are reporting the payment status as " 120 days past due " 2 ) They are reporting a two year history- that is OVER two years old UPDATE THE PAYMENT STATUS TO : " PAID AS AGREED '' AND REMOVE THE TWO YEAR HISTORY THAT IS OLDER THAN TWO YEARS. 

XXXX XXXX XXXX : its paid in full and closedits paid in full and closed- 1 ) they are reporting the payment status as " 120 days past due " UPDATE THE PAYMENT STATUS TO : " PAID AS AGREED '' THEY ARE IN VIOLATION OF MULTIPLE FCRA GUIDELINES. KEEP IN MIND I WILL NOT ACCEPT ANYTHING BUT BOTH ACCOUNTS BEING CORRECTED AND UPDATED TO SHOW THE CURRENT ACCURATE PAYMENT STATUS. THIS HAS DAMAGED MY CREDIT FOR OVER A YEAR NOW AND IF BOTH ACCOUNTS ARE NOT CORRECTED IMMEDIATELY, I WILL PURSUE LEGAL ACTION AGAINST TRANSUNION FOR THEIR DISREGARD FOR FEDERAL LAW. 

Ive included all certified letters, as well as all BOTH accounts credit report with the inaccurate information highlighted.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (AL)

On XX/XX/2020, someone accessed my card and made purchases to an online store in the XXXX XXXX. The purchases were for {$120.00} and {$100.00}. I was also charged four XXXX purchase fees in the amounts of XXXX, XXXX, {$2.00}, and {$2.00}, for a total of {$230.00}. I immediately called the company to report a fraud charge but was told I had to wait until the charges cleared. I waited a few days and called back. I was told that they were immediately refunding the International fees and that I would need to fill out paperwork for the fraud, and if I got it back to them within 10 business days, I would get a provisional credit within 48 hours. I filled out the paperwork and faxed it in 6 business days, along with my police report and emails between myself and the store the fraudulent purchases were made through stating they had located the fraudulent account. It has now been 4 business days since they  received that information ( I called to verify ), and no credit, no refund of XXXX fees. I have spent OVER 19 hours on hold with these individuals, only to be lied to, given the run-around, switched to another layer of their network, and hung up on. I am a single mom of a small child and don't have time to sit and wait. I did everything they asked in the tiny time frame they gave me, only to be sitting here on hold for almost 3 hours with more of the same. NO answers, no help. This is my child support money. As a single  mom on XXXX, I NEED this money. Not only was I a victim of credit card fraud, I am now a victim of the crooked company. I feel they are a scam and just out to steal your money. They have ALL THE INFORMATION THEY REQUESTED, AND THEN SOME. WHERE IS MY MONEY?????????
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (MI)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Systems,Inc. (GA)

On XX/XX/2022 ( XXXX XXXX mail # XXXX ) I sent my first dispute to the creditor. They had 10 days to reply to notice and failed to do so. Failure to provide the aforementioned documentation within 10 days from above date to validate debt constitutes the debt did not exist in the first place. 


The address listed on my credit report is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 
They have the incorrect address listed on my credit reports making it difficult to handle this debt which does not belong to me. I have wasted money sending disputes to the address they have listed. 

I followed up with a XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ( Tracking Certified mail # XXXX ) their failure to provide proof of claim by XXXX XXXX XXXX XXXX 

All letters have been sent certified mail and return sender. The company has failed to comply and have ignored me. 

I have requested the company to show : 1. Validation of debt over XXXX months ago. This accounts needs to be removed from my credit report. 

2. Verification of their claim against me ( A sworn affidavit or a hand signed invoice accordance with The uniform Commercial Code 3. Copy of Contract signed by both parties.

4. Provide TRUE CONTRACT, NO PHOTOCOPY.

This is a breech of my privacy rights and a violation under FCRA codes ( Section 604 15 U.S.C 1681 B, Section 605 A 16 U.S.C 1681 C-1, AND SECTION 605 B 15 U.S.C 1681 C-2.

Please see attachments for letters sent to company. 


I only wish to handle to handle this matter in writing. All calls will be recorded.
Consumer complaint received 2020-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

On XX/XX/2020 I was in contact with attorney XXXX XXXX for 2 debts owed to portfolio recovery. I made an offer to settle the 2 accounts for less and they contacted Portfolio Recovery and the offers where accepted and agreed to remove the accounts. 
XXXX account had a balance of {$3100.00} and made offer to settle and remove for {$1500.00}. It was accepted and paid, was taken out of my bank account on XX/XX/2020. 
XXXX account was for {$800.00} and made offer to settle and remove for {$370.00}. It was accepted and paid out of bank account on XX/XX/2020. 
XXXX XXXX has provided me with letters saying both accounts have been settled and have a XXXX  balance on each. Portfolio recovery has gone and instead of zeroing out the balances and removing them they subtracted the money that I paid from the original balance and still say I owe them the rest they have repeatedly every month for XXXX and XXXX have the accounts still listed as being owed And showed no payments Have been made. 
I have also submitted the two letters from the attorneys office of XXXX XXXX showing I settled the 2 accounts held by portfolio recovery and instead of fixing the problem Portfolio Recovery wanted my banking account number and routing number to pay the remainder of the balance of that they claim I still owe them. 
Portfolio recovery also refuses to notify the original credit card companies that I settled the account which are still updated monthly showing charged off and no payment for each month. Which is still bringing down my credit score.
Consumer complaint received 2021-10-29
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. (MO)

XX/XX/21 XX/XX/21 I call them they were rude my question was if they can delete hard inquiries in my trans union and XXXX and they said they cant when does enquirer are not my please can u delete them I give u permission
Consumer complaint received 2020-07-09
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XX/XX/XXXX XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments reported for my XXXX XXXX XXXX account. 
I want you to know that I understand my financial obligations, and if it werent for my XXXX medical health circumstance that caused me to miss payments I have been the past year from being hospitalized to XXXX back to back months of non stop XXXX XXXX XXXX and endless medical procedures to save my life, Id have an excellent repayment record if it wasn't for this condition. I made a mistake in falling behind, but since then, my circumstances have changed and ive improved your money management. Since then, I promise and commit to spotless record of on-time payments. 
Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments. 
Thank you for your consideration, and I hope youll approvemy request. 
Best, XXXX XXXX
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

XX/XX/XXXX received billing statement with unauthorized transactions made in California using my Macys credit card. I live in NJ, and have not travelled to California. 
Same day XX/XX/XXXX I called Macys customer service and reported a stolen card and fraudulent transactions. Was told that fraud department will be contacting me in 10-14 business days. 
XX/XX/XXXX received a letter in the mail confirming that fraud claim was received and an investigation will be performed. 
XX/XX/XXXX I received a letter in the mail stated that Macys fraud department has completed the investigation, and determined that I am responsible for the charges. 
XX/XX/XXXX I called Macys customer service and was transferred to the another Department at ( XXXX ) XXXX, then to XXXX. I again reported the identity theft, put the transactions on dispute asking to review and reconsider. Ref # XXXX. 
I went to the police and made a report for the stolen identity. Incident # XXXX. 
Put a freeze on the credit cards. 
XX/XX/XXXX received a letter in the mail stating that investigation is complete and I am responsible for the charges.
Consumer complaint received 2023-09-01
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-09
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. (TX)

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX ( Original Creditor : XXXX ) XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate DEPTEDXXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Consumer complaint received 2020-10-09
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: Oasis Legal Finance Holding Company, LLC (IL)

On XXXX XXXX I applied for a settlement loan from Oasis Financial. It was all handled online and over the phone. They asked did I want to make payments or wait until my settlement came in to pay off the loan and I opted to wait until settlement. I did sign a contract saying I would pay back 36 % apr on {$5000.00} which at the end of period would be {$7100.00} at loan maturity. Never was I told that I would be charged 6 % interest monthly on this loan I did see a 3 % monthly accrual charge on deferred payments on principle which I was lead to believe would be $ XXXX on the {$5000.00} I borrowed and today a woman tells me its 6 % which is $ XXXX. I offered to pay the 3 % of {$150.00} a month to keep that charge from adding up until the end of my settlement agreement, but I was told I had to pay over {$2000.00} today then make monthly payments of close to {$300.00}. Which I explained Im being put on XXXX and can not afford that. I have no problem paying the original {$5000.00} plus the 36 % apr which over two years totals {$2000.00}. But I feel like they mislead and misrepresented their terms. Please let me know what I can do? I have emails and contract documents from online handling of my account
Consumer complaint received 2020-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (UT)

I recently made a mortgage loan through XXXX XXXX XXXX, in Utah, USA. I've received a letter from PennyMac stating they had bought the mortgage servicing rights, and demanding payment. I am unfamiliar with this company. I called PennyMac requesting verification that they do in fact own the servicing rights, which they refused to provide. The letter sent does not include the required disclosures of 12 CFR Part 1026.39, specifically : 1. 1026.39 ( d ) ( 3 ) The name, address and telephone number of an agent or party authorized to receive notice of the right to rescind and resolve issues concerning the consumer 's payments on the loan. 

2. 1026.39 ( d ) ( 4 ) Where transfer of ownership of the debt to the covered person is or may be recorded in public records, or, alternatively, that the transfer of ownership has not been recorded in public records at the time the disclosure is provided. 

I have no way to verify whether this is legitimate or a scam.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged FMLY SUPP - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT YHE FEDERAL TRADE COMMISSION THE INFORMATION ALOND WITH THIS IDENTITY THEFT AFFIDAVIT! I DEMAND THESE ITEMS GET REMOVE IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING!
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX