davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am making a final goodwill attempt to have you clear up this matter its my understanding that the consumer financial protection bureau help enforce consumers rights and stop bad reporting agencies from reporting inaccurate incomplete information on consumers credit report also be advised that i made several attempts 120 days later. I still haven't gotten the proper validation. This agency is in violation of 15usc1681, for not properly verified the accuracy of any of the provided accounts I have copies for It's my understanding that reporting agencies are to ensure 100 % accuracy and not parroting false information which means any unknown account that can not be proved has to be removed. And section 1692g ( B ) states the collector must cease all collection efforts until this debt is validated.. another violation is 1692e ( g ) this agency has failed to communicate this debts is in dispute mode. It's obviously with 10 letters as proof this company can't verify this account, and under section 611 ( 5 ) ( A ) of the FCRA its required to be deleted ALL INFORMATION. i wont ever remedy that's granted to me for negligent noncompliance section 617 says if you fail to comply with the federal law, I can pursue litigation to enforce my rights under the FCRA.. I demand my right to be acknowledged to these company immediately. Sincerely XXXX XXXX 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1.XXXX XXXX, 2. XXXX  XXXX XXXX XXXX.
Consumer complaint received 2021-08-13
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: Aargon Agency, Inc. (CA)

Aargon Agency is reporting a collection on my credit reports that is a fraud account. I had my mail stolen a few years ago and filed a police report when this happened, but just recently saw a copy of my credit report which alerted me to this fraud. I have never had any ties to Nevada and certainly never started utilities service anywhere in Nevada. I spoke with both Aargon and XXXX XXXX numerous times but this issue is still not resolved. When I spoke with XXXX XXXXXXXX I learned they had misspelled my name when opening the account, and whoever opened this fraudulent account made one payment using XXXX XXXX XXXX which I have never used.
Consumer complaint received 2021-08-14
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)

My Experian Credit Report showed an unpaid debt from XXXX/XXXX. After multiple attempts to have this error on my report corrected, I sent Experian a final request via certified mail to send me proof of debt or have to remove the error. Attached is the Experians credit report. 

As per all the previous attemot to correct an error in my report, they send the same answer stating : Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/2021. 

Experian does not provide any proof of debt, simply sends a one-line response without any validation. 

Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or CAN NOT BE VERIFIED ''.
Consumer complaint received 2021-08-13
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-08-13
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. (FL)

My name is XXXX XXXX XXXX XXXX. My problem is an account with the XXXX company, this account only appears on my credit report with Experian, I have already tried to fix this problem with Experian by submitting an FTC report but Experian refuses to remove this account from my report because they say that the account is already paid, this is about identity theft or some confusion because this XXXX account is not mine they told me I had to talk to XXXX but XXXX says that I do not have accounts with us. I'm in the middle of a problem that I don't know how to solve, the last thing I do was a police report.
Consumer complaint received 2021-08-13
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NH)

I have been in contact with Mr. Cooper for several months now requesting an extension to my 12-month forbearance. They refuse to give me one even though I have a XXXX  XXXX  XXXX. They have also refused to provide me with any answers to any of my questions in writing ( I have all my messages to them saved ) concerning why I am not being given an extension. They refuse to offer me any kind of repayment plan ( other than pay my entire outstanding balance in one lump sum ), or deferrment. They are offer me pay up and foreclosure basically. I did get a hand delivered letter informing me that my forbearance was over and that I should call them. I have tried calling them and I usually get put on hold or hung up on. Now in defiance of this recent change in the regulation to restrict foreclosures until XX/XX/2022 XXXX today got a letter from some company in California that they have commissioned to start pre-foreclosure proceedings on my property. I'm sure they will be adding those fees to my bill along with other fees they were not supposed to charge to my account under forbearance. What can I do at this point to force them to comply with my request for a 3-month extension on forbearance? If I don't qualify for this restriction on foreclosure what can I do to compel them to provide me the reasons why in writing? And what further action can I take to save my home? What is especially infuriating is that I will be receiving an inheritance within the next 3-4 months ( possibly sooner once it is submitted for probate ) and they know that as I have submitted them the paperwork and yet they have gone ahead and taken this action to try and take my home away from me. They are also aware that I have six very old horses on this property and if it were to be foreclosed on they would not be able to be moved. But apparently this company doesn't care about those horses any more than it cares about complying with XXXX  XXXX  servicing regulations. I would appreciate any help you can give me.
Consumer complaint received 2021-08-13
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: LEXISNEXIS (IL)

XXXX  has reported that Lexis Nexis provided them with a copy of my suppressed reported. I reached out to Lexis Nexis and they reported that the file is suppressed and was not shared with XXXX
Consumer complaint received 2021-08-13
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. (TX)

On XXXX I reached out to all 3 credit bureaus asking them to validate accounts on my credit report that were inaccurate. 

XXXX I sent a letter to XXXX  asking for an account to be removed that is not mine and received no response. 

XXXX I asked all 3 bureaus ( XXXX  , XXXX  , and Transunion ) to remove accounts that are inaccurately reporting on my credit report, and received no response. 

I need this investigated as soon as possible. I am reaching out to the bureaus with no response and no action being taken on my credit report.
Consumer complaint received 2022-10-03
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. (FL)

Hello as you can see by my previous reports, I am a victim of identity fraud. I have recently found out that there were new inquires on my report that pertain to Fraud, and other inquiries that are duplicates and inquiries I was told will not be a Hard inquiry but are and I have tried to resolve this issue with all 3 agencies and the creditors, and I am told by the creditors they don't have my information to remove so they can not help me and then i am told by the credit agency only the creditor can remove an inquiry which is not possible if they don't have me and were not authorized or duplicated. So, I would like these Credit agencies to take this more seriously when it comes to true fraud victims and disputes and not be giving the run around like I have been given. Seems like this is always an issue. Being I have Alerts, Fraud Protection, freezes, Locks, I pay for memberships on top of the memberships, and my reports come unlocked or unfrozen due to a quote-on-quote glitch in the system, I would expect it to be taken care of and listen to their customers if they actually read notes and reports. I have inquiries that do ot belong on my report I would like removed, whether fraud or duplicates i already spoke to the creditors and they can not help being they advised I was only ran 1x and the other couple were fraud.
Consumer complaint received 2021-08-14
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. (MD)

I am accusing Transunion of fraud. Transunion has deliberately removed three XXXX student loan accounts that were in good standing and closed in XX/XX/XXXX. These accounts were to be on the credit report until XX/XX/XXXX, thus Transunion violated its own regulations. Also, Transunion fails to give an explanation for the deletion. In addition, Transunion reports payment history information in a misleading manner, as well as high balance statements, such as high balance amount running from year to year or a series of years without change. Furthermore, a credit reporting representative admitted that the early removal of satisfactory accounts negatively impacts a consumer 's credit score. I have been trying to resolve my disputes with this agency since XX/XX/XXXX.
Consumer complaint received 2021-08-13
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: ENCORE CAPITAL GROUP INC. (IL)

On XX/XX/XXXX Midland Credit Management XXXX has added a derogatory remark on my credit report in the amount of {$1600.00} per XXXX XXXX, Upon further research, this account was transferred/sold to them by XXXX, XXXX on XXXX, XXXX XXXX and I'm no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature dose not validate the debt and anybody can send a bill and say it's mines. According to the FCRA Midland Credit Management XXXX.has violated my rights as a consumer and I'M requesting legal action to remove this account immediately.
Consumer complaint received 2021-07-24
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. (IL)

IN 2018 THEIR WAS OVER XXXX XXXX DOLLERS AND XXXX XXXX DOLLERS OF UNAUTHERIZED CHARGES MADE ON MY TWO XXXX XXXX XXXX CARDS MADE POLICE REPORT AND FTC REPORT
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (VA)

hello i have a couple things i want wiped off of my credit because i am not resposible for opening these accounts. There is a autoloan and credit card with XXXX XXXX XXXX XXXX bank. There is also a personal loan with XXXX  inc. that took place in XX/XX/XXXX. XXXX there is an overdue XXXX account with alot of late payments that i had nothing to do with from XXXXXXXX XXXX that i need off. It was opened XX/XX/XXXX. There is also a debt buyer account that is {$500.00} past due on my experian report, from XXXX XXXX XXXX  ( XXXXXXXX XXXX ). I would like all of these that arent mine wiped off, and any other accounts that i didnt list to stay on my credit report.
Consumer complaint received 2021-08-13
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. (MD)

I am accusing Experian of fraud. Experian has deliberately removed three XXXX student loan accounts that were in good standing and closed in XX/XX/XXXX. These accounts were to be on the credit report until XX/XX/XXXX, thus Experian violated its own regulations. Also, Experian fails to give an explanation for the deletion. A credit reporting representative admited that the early removal of satisfactory accounts negatively impacts a consumenr 's credit score. In addition, Experian reports payment history information in a misleading manner, such as high balance amount running from year to year or a series of years without change ; or mortgage presented as an unchanging high balance loan ; and an inaccurate payment history for accounts. I have been trying to resolve my disputes with the agency since XX/XX/XXXX to no avail
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (MA)

Elian Financial Service Refused to send me credit card statements that I requested, I have contacted them for XXXX more n=months, each time I spent 5+ hours, My Elan Fianncial Service credit card associated with XXXX I opened XXXX XX/XX/XXXX and closed on XX/XX/XXXX, I requested Elan Financial Service XXXXo send me teh XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my activity statements, I called Elan Financial Service multiple times , their customer service sometimes can not find the card ending on XXXX, then they asked to change mu card, they said that it was opened in XXXX, and you changed the last 4 digits, there were no activates in XXXX, so they refused to send to me anything. Some find the card, then thye said that It was out in Archive, so the dept does nto aloow Archive statement to send out to credit owner, some found it and made the request, I still received nothing until today, and some asked my fax, offered to fax to me, after gave out the fax number, I still does not receive anything!
Consumer complaint received 2021-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY (CA)

On XX/XX/2020 I was having my hair styled in XXXX XXXX, California. 
I got a phone call when I got home by Wells Fargo saying there was " suspicious activity '' on the XXXX credit card. They asked me if I was at XXXX XXXX, XXXX, buying pants, XXXX XXXX, etc. I said I only was at the hair stylist and confirmed the amount! The Proper Response Should have been " Don't Worry-you got hacked! Let us handle it. '' Instead ... 1.5 Years Later ... Wells Fargo REFUSES to make good and take responsibility-saying I told them my card was stolen, and THEN saying it wasn't. I have PROOF from the stylist signed by her saying I was with her from before noon to early evening-making it IMPOSSIBLE for me to be anywhere else!!! This is CROOKED THIEVING Wells Fargo-who got BUSTED by the US Senate for $ $ {$3.00} BILLION for opening up PHONY accounts of their customers! I reported them to the XXXX  and it is on record! Even EVERY Late Night TV host has SLAMMED Wells Fargo for being " The XXXX '', etc. This has caused me LOADS of stress and time and THIEVING BULLIES must NOT be allowed to operate in our free country like this!!!
Consumer complaint received 2021-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I called synchrony XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 in regards to using covid debt relief payment option for my card. They agreed and allowed me to skip the payments during those months and not report this to the credit agencies. XXXX failed to follow through with the latter and have been reporting those late or missed payments to the credit bureaus even after calling and talking to them multiple times.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/2022 someone stole one of my checks from a blue drop box at the XXXX Ohio post office.They altered the check removed everything I had on it, and made it out to an unknown party for almost {$8000.00} which was taken out of my account when the check cleared. I notified 5th 3rd bank the next day, and my banker sent a fraud packet in which included the police report #. my funds have not been restored, nor have I received any conformation that this was reported to them. Please help me!
Consumer complaint received 2022-05-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (FL)

I wrote to Ally Financial in regards to an alledged charge off debt observed on my credit report and I got a response from XXXX XXXX XXXX XXXX XXXX with an invoice with incorrect and confusing information. 
High balance of {$9500.00} and a monthly payment of {$19000.00}. how can the monthly payment be higher than the high balance. they have the date last paid as XX/XX/16, charged off the account on XX/XX/16 yet they said i was 90 days late. how did they get 90 days between XX/XX/16 and XX/XX/16. they record the number of payment remaining as 1 while their term according to the invoice is XXXX  months and according to their invoice a few months payment was made on the account. There is a confusing payment history that i cant understand or explain but i will upload the document so it can be viewed. they provided all three credit bureau with different information therefore the account has been re aged on two of the bureaus which is a violation of my rights as everything on the credit report should be 100 % accurate. 
all these errors have been hurting my scores for years aslo hurting my ability to get a loan or move forward with my life. this account is outside the statue of limitation. 
15 U.S. Code 1692b section 5 states collection agencies can not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt ; ( XXXX XXXX XXXX XXXX XXXX ) violated my rights in this regards. 
both XXXX and Ally have violated me.
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (OH)

XX/XX/XXXX XXXX XXXX aka XXXX XXXX cable services closed my cable account, I returned the cable box and delivered them to their field office. My cable bill was {$260.00} after shutting off the service, they continued to bill and added more and more dollar amounts to my account. Making my pay of past due monies owed to XXXX impossible for me to pay, now my owed amount is doubled from my billing statement, placing negative reporting on my credit report. This seems to be a practice they do to customers who can't or won't pay them what they ask. I'm a senior citizen on a fixed income, and this is effecting my credit FICO score. the information on the reporting of my past due amount is incorrect and I'm stuck with negative reviews and FICO score.