davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  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 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-11-12
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. (CA)

I am a victim of identity theft. There were inquiries fraudulently made to my personal credit. Names of the companies and dates of them are listed below. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-08
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 Number : XXXX : Balance : {$1500.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1100.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$5500.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$20000.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$3600.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX : Account XXXX : XXXX : Balance : {$4600.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXX  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 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm writing to convey my uneasiness concerning the challenged records on my credit report. On different events, I have raised the issue of missteps in these records, and have dependably referenced that they be totally analyzed. Despite my undertakings, I as of now really can't get any objective or helpful movement. These mixed up records are genuinely hurting my credit archive and obstructing my ability to continue with a conventional life. The unfavorable results of these blunders have caused huge hardships for me, and I'm left with no choice aside from to contend for your assistance with changing what's going on rapidly. I tolerantly request that you lead a thorough assessment concerning the noteworthy of all of these challenged records. It is fundamental that the indispensable advances are taken to invigorate and change my credit report immediately. With your help, I want to restore the precision and decency of my credit record so I could recover control over my money related thriving. I really urge you to offer this matter your most outrageous thought and take a fast action. Your joint effort and moving in settling this issue speedily would be immensely significant. Thankful to you early on for your understanding and help.
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

One of my creditors reported me deceased back in XX/XX/XXXX, it has been a living nightmare trying to have it reversed. I have submitted complaints to XXXX, Transunion & XXXX to date Transunion and XXXX. still have me listed as unrated and deceased. XXXX has not updated my report. Therefore I can not get credit, and I have a business and it is severely affecting how I do business. After many letters sent certified return receipts, I am at a loss as to what steps to take next. In XX/XX/XXXX XXXX XXXX called my mothers house to update their files? never called me, and she said XXXX XXXX years ago, that was my dad, XXXX did not send letters to my to confirm or call my cell. They wrote that account off and left XXXX other accounts active. 
I want to know who to talk to how hard can it be to reverse the damage. And XXXX will not talk to me I get transferred to XXXX. 
I am at my wits end.
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (PA)

Calling daily. Calls are made by a robot. This is evident because there is no one on the line when I answer the phone. When I do answer, the person talking to me refuses to disclose that they are a collections agency. I spoke this morning with " XXXX '' and to " XXXX, '' both of whom refused to tell me what the call was referring to and required my phone number after which they would transfer me to another representative. I refused to give my information to them. XXXX hung up on me. She refused to give me the company name and address. She refused to allow me to speak with a supervisor. XXXX gave me an address then agreed to transfer me to a representative but instead I was disconnected.
Consumer complaint received 2015-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted several disputes to Trans Union credit bureau regarding incorrect information regarding a collection item on my report - XXXX. This is NOT my account. I have been insured with XXXX for over 6 years. I have also contacted the creditor but no answer has been given after numerous attempts. I am not sure what else to do given the attempts and lack of proper response from the credit bureau.
Consumer complaint received 2015-04-07
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Cheryl A. Warzynski PLLC (AZ)

I attended a hospital that was " in network '' due to an emergency back in 2013. This hospital was in-network and selected by myself as we could not afford additional costs associated with non-network service providers. My insurance company at the time was XXXX of AZ. 

During my procedure that followed the emergency room admittance, and without my knowledge or consent I was treated by an non-network anesthesiologist. Later determined as XXXX XXXX. Neither the hospital or XXXX XXXX informed me in advance that he was out of network, and at that time I had no reason to suspect otherwise. 

After the procedure was completed, I was presented with bills from XXXX XXXX that we submitted to my insurance company. On review of the bills by my insurance company, they rejected all due to XXXX XXXX being a non-network provider and stated that I was responsible for it in full. I challenged this as I understand also ( By research ) that there are laws to protect me in this situation. The insurance provider said that they will re-process the charges for payment and requested a co-pay from me ( $ XXXX ). About 2 Months ago my insurance company reverses the decision and issues a refund of my co-pay with no explanation. 

Almost immediately XXXX XXXX proceeds and refers the file to lawyers for debt collections and the pursuit of payment of {$1400.00} and through the lawyers they are threatening legal action and legal judgement against me. I challenge the lawyers because of the events and that I did not agree to these services being performed by him directly and explained everything as I have outlined. The lawyers response was to continue to intimidate and threaten legal action and also referenced that I collected a check from the insurance company ( which was Actually the refund of my co-pay ). 

I proceeded and paid the lawyers ( Under duress due to the continued threats ) the amount in full.
Consumer complaint received 2015-10-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

Service provider, XXXX XXXX XXXX XXXX is double billing for a procedure. Since the second bill is false as I did not have XXXX identical XXXX on the same day at the same time at the same facility by the same or different Doctor ( s ). The service provider, XXXX XXXX XXXX XXXX has submitted the second false/fraudulent procedure to my insurance provider, XXXX XXXX of California and consequently XXXX XXXX XXXX XXXX has submitted this false claim to a collection agency, CMRE Financial Services to collect for a procedure that never happened. I need the harassment and threats to damage my credit from CMRE Financial Services to stop, I need XXXX to understand the second claim was fraudulent and I need XXXX XXXX XXXX XXXX to stop double billing so this matter can be expunged from all data bases.
Consumer complaint received 2015-06-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau of San Luis Obispo & Santa Barbara Counties (CA)

I had a set of dentures made and they did not fit properly, I returned to the dentist and explained the problem. After several unsucessful attempts to correct the improperly made denture, I was toldthey were unwilling to repair them and the dentist admitted there was a problem but they were unwilling to make any further attempt to correct them and I would have to live with the improperly made denture. I was unable to swallow or eat with them in my mouth. I finally went to a different dentist who told me to NOT wear them because they would cause damage to my mouth because they were not made properly and did not fit in my mouth correctly! I had an unpaid balance and contacted the office and told them I was unwilling to pay anymore for teeth that did not fit. I asked for a full refund of what I had already paid and they refused and sent the bill to collection. I still have the teeth which i am unable to use. I paid almost {$2000.00} for something that was made wrong
Consumer complaint received 2015-10-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (NC)

The Rush Card has been with holding money from my account, which I have been unable to pay bills, get to work, move in to a new home, and feed my family I was suppose to recieve my direct deposit and it is promise to me that it will be there two days befor my pay check, this happen during the end of the month when I have to pay rent. They keep telling me that they can not give me a time frame on how long it will take but keep guarenteeing me the money is safe but mean while my car insurance was just cancelled XXXX 2015 and the bill collector will not take an excuse I have suffered severaly from these damages and lost out on a home, a drop in credit, late fees, unable to keep my daughter in day care/after school, lost in hours at work and emtional stress I have to check my self in a hospital because of head aches im recieveing from stress. I have been unable to feed my family and had to borrow money from others that I have still been unable to pay back so far I have lost XXXX because of the lost hours at work and unable to get gas to meet deadlines and im lossing by the day because the issue is still not resolved I call them spoke to someone and pleaded my case they just countinue to place me on hold for hours and hope I hang up or they will hang up please help me, I soon will have to take out a pay day loan to help myself in this financial crisis.
Consumer complaint received 2015-10-27
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

Recived a letter stating that I have a lawsuit filed against me in the XXXX judicial district court in XXXX XXXX, Michigan. XXXX Bank, XXXX successor by merger to XXXX Bank, plaintiff XXXX Myself XXXX XXXX XXXX. Case # XXXX in witch I called and there is no case filed ... By said debt collector Weltman Weinberg & Reis co XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX a XXXX XXXX XXXX XXXX. Is attempting to collect a debt that at the time I was in debt to XXXX bank, loan was secured by collateral said property. We lost our house do to fire. The property was sold in a sheriffs auction do to taxes we could not afford. XXXX bank was notified of the sale and stated that they showed no interest in the property 's. The loan was for {$7500.00} and the property sold for {$40000.00} and they should have been payed at the time of sale to cover the debt before the title could have been released and cleared. Sale took place one year and five months a go. I have atempted to in the past make payments at the bank and payment was refused ...! I now am XXXX and do not have an income. It so states in my contract that the loan was set as a mortgage and the property was used to secure the loan ... I feel as tho I am being harassed and that this collector has and is sending me false documents in attempt to collect funds I do not owe.
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

I entered into a law suit with XXXX XXXX XXXX in XXXX and it was finally settled in XXXX XXXX. During that time the XXXX Court in Georgia ruld that I would make all my monthly payments to the court clerk 's office and not to XXXX. I made XXXX on-time payments and they still appear as late on my credit report.The agreement states they had to rescind the foreclosure and it still appears as a foreclose. For the past 6 weeks I have been trying to get XXXX to resolve it and I keep getting the run around I have documented that the payments were on time.If they had not been made the case could have been thrown out, I just want it reported accurately. They had 7 months to update the credit accurately and they have not updated anything. The court ruled they would receive my payments at settlement and they received the payments XX/XX/XXXX. XXXX now need to report it accurately as well as remove the foreclose. Every time I call I get a different story they told me the agreement does n't state they have to do credit repair but should n't they have to be accurate for a change? They are still looking into it! I was told I would get a call back yesterday, I did not when I called they said the person was out unexpectedly. It is always some reason. I just called again and got nowhere! 

I have attached the emails between the attorneys discussing this issue before the agreement was approved by the court and a few of my my payment receipts from the court. We signed the agreement XX/XX/XXXX, they got there money the same day and then it took 5 months to complete there side of the agreement. XXXX is an awful company!!
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

I have made prepayments on my mortgage to arrive at 78 % LTV before originally indicated on original amortization schedule. I assumed this meant automatic cancellation of PMI, but apparently not. ( Does " XXXX scheduled '' mean " originally scheduled? '' )
Consumer complaint received 2015-06-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Dear sir/madam, as I was going through my credit report on XXXX and XXXX negative report on my credit. The negative report was from PORTFOLIO RC, any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine.. XXXX I Copy this account number from my XXXX credit report. I am requesting that PORTFOLIO RC or any of it affiliates should remove such negative statement from my credit report
Consumer complaint received 2015-10-26
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Frederick J. Hanna & Associates, P.C. (closed) (GA)

Hi. I have called and offered to give you all a copy of the tape I sent to the consumer protection agency showing that you all do utilize unfair and deceptive tactics to collect bogus debts. I taped the court proceeding. I thought out of courtesy I would send you all a copy as I intend to sue Frederick Hanna and Associates too. 
Can you all send an email with XXXX XXXX 's Georgia bar number as it does not appear on one document in XXXX County Clerks paperwork. I sent you all a copy of the court hearing. I taped it. I am going to counter sue and sue XXXX County. I will be in touch. 
Kindest Regards, XXXX XXXX XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2015-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OR)

The credit report from Experian has information intermixed with someone else, including address, Social Security Number, financial records, etc. I sent a certified letter informing Experian about the errors. They received the letter, but gave no response or further contact from them. There has been no attempt to correct the problem. 
I have been in contact with the person that my records are mixed with and he has had no success in correcting the problems.
Consumer complaint received 2024-11-11
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. (FL)

Recently i found out that i had some accounts on my credit report that where opened without my consent. When i confronted my ex boyfriend he admitted to opening these accounts. This is clearly identity theft, please block these accounts from my credit report
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.