davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-13
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. (IN)

I was mistakenly reported 30 days late and 60 days late by my mortgage company due to their payment address change and failure to notify me of it. Also, the credit union had a grace period which I fell under. 

I sent a letter in XXXX asking to please have this fixed soi can buy a new home, the 2nd letter I sent certified to ensure delivery. Still have not received anything back or updates to fix the problem. 

My bills are paid on time, and I send checks via mail, this was a minor mistake on the banks part in not notifying me as well as the bureaus for not fixing this issue promptly. I need some help to get this fixed. Thank you XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

TransUnion has provided proof that these accounts are mine and how they verified the following accounts XXXX XXXX XXXX ( XXXX ) reporting. 
XXXX or XXXX XXXX XXXX ( XXXX ) reporting. 
( XXXX ) XXXX  XXXX accounts. 
XXXX XXXX XXXX XXXX ( XXXX ) reporting. 
The following inquiries do not belong to me, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX federal.Please provide proof immediately thats these accounts and inquiries are mine or deleted them immediately.
Consumer complaint received 2017-10-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (OH)

I lost my job in XXXX of XXXX. I contacted Loan Care to report my job status. However, I still had my mortgage payment for the month of XXXX XXXX. I tried to work out some type of modification with them to save my house. I made the XXXX payment and filled out the documentation for application for a loan modification. I contacted the bank for 3 months not hearing anything from them. I eventually spoke with a representative who told me that because I made the XXXX Payment I no longer qualified for assistance. I had to miss 3 consecutive payments in order to be considered for loan modification. During that time my house was in trouble! I was able to find two part time jobs and submitted my pay stubs every 30 days and bank statements, in addition to my unemployment for the short time that I did receive it. There was still no action. I had to wait another 90 days to get someone to help but that only gave me a partial payment plan. Eventually they gave me partial payment, what they referred to as a forbearance payment, of which half of the original mortgage. I paid that until I was still not getting any resolution to a loan modification and realizing none of the payments appear to be applied to my balance. I was steadily incurring fees and more fees. I got a full time position with one of the part time jobs and my income I was receiving was still lower than my previous job. Eventually, I had to hire an attorney from XXXX XXXX XXXX with the payments that I was making to Loan Care because they were not trying to help me. 
I contacted the attorney office regularly to see if they were getting anywhere and informed them of my status continued to forward bank statements paystubs and letters they requested. Even with the attorneys this took another 7 months in order for Loan Care to come to a trial payment period where my payments are now higher than my original payment of {$1200.00}. My payments are now {$1300.00}! I have made all the payments timely as requested. 

As of today, I still have not received documentation of what my new payments will be or if I should continue to pay the amount of {$1300.00}. I have done everything they have asked and gone above beyond plus. Today my credit has been affected and I am considering filing for bankruptcy for protection.
Consumer complaint received 2024-08-28
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. (AL)

i pulled my credit report and i noticed inaccurate information on my credit report that violates my consumer rights. i also noticed unauthorized hard inquires that were not given my hand written consent to furnish anything on my credit report. 
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 : XXXXXXXX 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 XXXXXXXX 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 2017-11-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TX)

Repeated daily calls for XXXX. I have told them numerous times they have the wrong number but they will not stop calling. Today XXXX/XXXX/XXXX they woke me up on Sunday morning at XXXX the one day I get to sleep in. This has to stop. I do not know a XXXX.
Consumer complaint received 2017-11-12
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)

Someone put me down as a co signer on a fraudulent car loan and this company refuses to fix it no matter what I send in. I have sent a police report, documents and a ftc identity theft report yet this fraudulent account is still on my credit report fraudulently blemishing my record and I was n't given a chance to send all the information in within the first 30 days before it was reported to my credit due to all mailings going to an address I am not associated with that went to the fraudster. So I could n't dispute the fraudulent nature of this account. Which in turn causes me to miss other accounts that were fraudulently opened after that such a XXXX car insurance, a light bill, cable and an apartment after that point of first compromise. If this step does not resolve my issues I am taking legal actions regarding this unauthorized account. I should n't have to be thrown between 3 different departments when I call trying to get this removed, lied to and not provided the fraudulent application that was put in. It was not provided within 30 days of my original request for it and still have nothing on my end to try and pin point who may have done this.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Someone put me down as a co signer on a fraudulent car loan and this company refuses to fix it no matter what I send in. I have sent a police report, documents and a ftc identity theft report yet this fraudulent account is still on my credit report fraudulently blemishing my record and I was n't given a chance to send all the information in within the first 30 days before it was reported to my credit due to all mailings going to an address I am not associated with that went to the fraudster. So I could n't dispute the fraudulent nature of this account. Which in turn causes me to miss other accounts that were fraudulently opened after that such a XXXX car insurance, a light bill, cable and an apartment after that point of first compromise. If this step does not resolve my issues I am taking legal actions regarding this unauthorized account. I should n't have to be thrown between 3 different departments when I call trying to get this removed, lied to and not provided the fraudulent application that was put in. It was not provided within 30 days of my original request for it and still have nothing on my end to try and pin point who may have done this.
Consumer complaint received 2017-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NV)

I called I c system regarding XXXX on my credit report i told them numerous times it was not my account they gave me the address that they have on file where the XXXX was installed i never lived there i was not aware my father had service there in my name .My father is now XXXX 4 plus years now so they told me if i send his XXXX certificate they will take it off my credit i mailed my father 's XXXX certificate and it is still on my credit .I have nothing in collection but this account and it is hurting my credit i need this off my credit.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion unlawfully allowed XXXX systems to report on my consumer report without my consent. I have never been an any written or oral financial relationship with XXXX. I have sent a debt validation to both parties and both have failed to provide any information about this unverified fraudulent debt.
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (GA)

I have contacted this company on several occasions to update my credit report with the correct information. They continuously report that my account is closed and does not reflect the actual balance on my mortgage. I have spoke with several managers that assured me that this would be corrected and as of today 's date, it has n't. My account is current and open and I would like that information reflected on my credit report.
Consumer complaint received 2017-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Years ago, I had trouble repaying my student loans. Instead of suggestions regarding income based repayment, I was given repeated forebearances until I was out of time. I could have made some sort of payment instead of not being giving that option at all.
Consumer complaint received 2017-10-13
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: CITIBANK, N.A. (TX)

I need your help in order to get in touch with my bank and try to solve my problem. I would like my XXXX XXXX XXXX to please investigate a charge made by a company called XXXX XXXX. This company failed to provide the services that I paid them for. I paid them {$350.00} on XXXX/XXXX/XXXX. I already tried to dispute with my credit card companies but I do not appreciate the way they treated me and disregard my wishes stating that was past 60 days. I never got my services rendered and it is very hard to do anything in the first 60 days when the company you paid for the services is stringing you along. Thank you
Consumer complaint received 2018-01-02
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. (FL)

XXXX in 2011, through XXXX, I took out a XXXX loan to assist with the cost of the XXXX XXXX. While I had made payments ( when possible ), unbeknownst to me, XXXX now indicates that they own the loan. They had never forwarded any documentation indicating so, via an assignment or anything else. I have disputed with the credit reporting agencies, but to no avail. I have asked time and time again for this information, and no one is able to provide me with said documents. The contract I had was with XXXX not XXXX. Also, they have not furnished me with a copy of the agreement with XXXX ( signed by me ). Nothing has been furnished at all.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2018-01-01
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: EQUIFAX, INC. (LA)

Dear XXXX, XXXX And Equifax, XXXX, I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the FTC website, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Please review all proof of identity. 

Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX  XXXX XXXXI dont recall being late. 
XXXX XXXX XXXX is reporting inaccurate. 
XXXX XXXX XXXX XXXX XXXXXXXXHOW DID YOU VERIFY THIS AND THEY ARE NOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!!!! 
XXXX XXXX XXXX XXXX XXXXNOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!! 
XXXX XXXX XXXX XXXX XXXXI dont recall being late. 
XXXX XXXX XXXX XXXXInaccurate. Did not respond to my debt validation letter. 


EQUIFAX, The Following accounts are listed under Medical!!! I 've reached out to these companies to provide me with a medical release form or to remove these accounts. They failed to respond. I am demanding Equifax to remove the following accounts because it is a violation of my hippa rights and the creditor failed to respond # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Please get back to me.
Consumer complaint received 2018-01-01
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: CITIBANK, N.A. (CA)

Purchased a lock and installation from a vendor in XXXX CA in the amount of {$750.00}. Lock and key was never delivered from Vendor. Disputed the amount, and Citibank sided with the vendor. There was no protection against the fraudulant activity for us. They said we needed a credit slip which the vendor never provided. The vendor XXXX XXXX XXXX XXXX has done this to many others as their XXXX account indicates. Irrespective of this, Citibank would not take any action against them ( XXXX XXXX XXXX XXXX ). We have also file a complaint with the Bureau of Investigative services against the Vendor. 


XXXX XXXX, XXXX CITIBANK CONDITIONAL CREDIT FOR DISPUTE Collapse Details Additional Details Transaction Type : Purchases Posted Date : XXXX XXXX, 2017 Category : Services - BUSINESS SERVICES, NOT ELSEWHERE CLASSED Reference Number : XXXX Print - {$750.00} XXXX XXXX, 2017 REVERSE XXXX XXXX XXXX XXXX XXXX XXXX Collapse Details Additional Details Transaction Type : Purchases Posted Date : XXXX XXXX, 2017 Category : Services - BUSINESS SERVICES, NOT ELSEWHERE CLASSED Reference Number : XXXX
Consumer complaint received 2018-01-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (FL)

I contacted XXXX that I would need to end my service agreement because I was in a car accident and wouldnt be able to work. At the time they agreed that they wouldnt charge me a cancellation fee, and to return the equipment. I did. The bill was gone over to me at around a {$300.00} balance, which was the final bill.They also said I was billed for months after I cancelled due to not returning the equipment, and when it was returned i would be credited. They told me someone would be calling to collect. I wrote to them on their boards plus called a million times over, to adjust what was promised. Then, all of a sudden the bill got larger then what I originally had. They said that I didnt return the equipment and had to open up an investigation. I did return the equipment, and had the drop off confirmation very early on in this whole roller coaster. So they adjusted the bill again. Then I called to pay it and the bill went up again, this time with bogus charges that they placed on my billing plan saying I was charged for things that were not a part of my plan to begin with. I have told them I am fine with paying what was promised but they have added {$300.00} in plus fees amounting to a {$550.00} in collections, when my monthly bill was up to date and only a measely {$70.00} to begin with, I have had promised phone calls back from management, and they never call. Plus the waiting time to talk has been well over an hour every time with never any notations added to the account as promised either. Which is very unprofessional to have to go over the case each and every single times with promises to resolve and its left unresolved. They promised me my account would be credited properly as well as no fee for canceling the service since I was in the hospital, and they re-nigged on the entire agreement and now their collection company is reporting to my credit causing havoc and un-allowing me to obtain financing. Its wrong and unfair to do business like this. Please help thank you
Consumer complaint received 2018-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I would like these inquiries to be deleted, and your customer service representative repeatedly hung up the phone and would not take care of the negative inquires reporting to my credit.
Consumer complaint received 2017-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

XXXX XXXX has repeatedly sent me a collections bill for a XXXX account that I have no knowledge of. On the bill itself the identified person is XXXX XXXX XXXX .. That is not my name. I tried to dispute this with them by sending tax documents and even a copy of my social that shows that my correct name. I 've called several times and made several attempts to resolve this matter and delete this collection account on my report since it 's not only hurting my credit but it 's FALSE information. Thank you.