davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, 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. (TX)

Trans Union has my account unbelievably wrong. It started XX/XX/XXXX. They have removed all of my credit history. I show only one credit card with XXXX. 
They are ruining years of perfect credit history. They show me as a XXXX score, but look at XXXX? I am and always have been XXXX or better. I've reported them to XXXX with no resolution. I've contacted them eight times about this mistake. XX/XX/XXXX they sent me a report listing all my history which displays why I am so upset. The history was correct on this report? Still they report publicly a XXXX score. Vindictive reporting about me for unknown reasons. I am extremely tired of fighting with Trans Union about this. The other two reporting agencies have my score correct when companies contact them showing XXXX and XXXX FICO SCORES. I WANT THIS RESOLVED! I don't know what their problem is maybe because of my conservative party views? 
Please help me. I am at wits end fighting Trans Union. They just won't admit they have lied about report for 6 months. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Texas
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, 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. (FL)

I have a XXXX credit card account with XXXX XXXX XXXX that is open and current, and in good standing.

It has a credit limit of {$46000.00}, and is a XXXX.

TransUnion credit bureau refuses to list it on my credit report, even though all the other credit bureaus, XXXX, XXXX, and XXXX list it on their credit reports.

This account has been open since XX/XX/2013.

I have contacted them numerous times to get this matter resolved, to no avail.
Consumer complaint received 2018-06-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc. (PA)

In XX/XX/XXXX I fell very ill, I defaulted on a XXXX XXXX personal loan in XX/XX/XXXX and stopped making payments. I was unable to pay the debt, XXXX XXXX sold the loan to XXXX XXXX who hired a lawyer, who used every unlawful tactic to try and collect the XXXX. in XX/XX/XXXX I contacted a lawyer who advised me that I could counter sue XXXX  XXXX and XXXX XXXX for what was being done to me. I called XXXX XXXX, after discussing the matter and my legal rights. I was informed that they would release the Debt and remove it from credit report. It was shortly removed from credit report, hence I thought the matter was cleared up. Then, in XX/XX/XXXX the debt reappeared on my credit report under XXXX XXXX but was bought by XXXX XXXX XXXX. I contacted them, they said, they didn't know about the harassment from the past and were collecting the debt. I told the representative I felt it was wrong and unethical for them to report it now after all these years when a verbal agreement was reached and was honored for 6 years. 
So I then asked when it would go off my credit, the Rep said in XX/XX/XXXX because my last payment was XX/XX/XXXX, I told the rep that my last payment was in XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX, which means this debt should already be removed from credit report. The rep was unhelpful and said she would note the account. I writing to get resolve on this and hopefully move forward from a very bad past with the collection practices of this company. I have held on to tape recording from 5-7 family and friends who had calls with messages detailing personal information and threats from the agency used by XXXX XXXX or XXXX XXXX from XX/XX/XXXX. I am looking to have this debt immediately removed from credit report. 

Thank you
Consumer complaint received 2018-06-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

My mortgage was 4 months behind due to job loss and I attempted a loan modification which Pennymac denied. I was told I would need to pay {$4100.00} to bring my account current. OnXX/XX/XXXX, I paid {$1000.00} over the phone and I was told to pay {$3100.00} to fully bring it current which I did on XX/XX/XXXX which equals the past total amount 0f {$4100.00}. In addition to that, I paid the escrow balance {$960.00} on XX/XX/XXXXin order to reduce my monthly mortgage amount and make it more manageable since I'm experiencing an income reduction. I made my first payment of {$860.00} but I received a bill stating that I have an outstanding late charge ate charge in the amount {$81.00} and another fee of {$30.00} which I was never made aware of during my calls on XX/XX/XXXX; XX/XX/XXXX and XX/XX/XXXXwhen the last 2 agents confirmed that my account was up to date and I also accessed online and that was confirmed as well. I've already contacted XXXX regarding this matter but Pennymac responded that it will take 30days to resolve which I'm worried that this will affect my credit and it didn't take them 30days to charge or deny my modification request. why should it take that long to resolve this matter. Attached you will find the bill that shows the amount to bring my account current which I resolved by XX/XX/XXXXto avoid any late fees if I was to pay after XX/XX/XXXX
Consumer complaint received 2018-06-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC. (PA)

In XX/XX/XXXX I fell very ill, I defaulted on a XXXX XXXX personal loan in XXXX and stopped making payments. I was unable to pay the debt, XXXX XXXX sold the loan to XXXX XXXX who hired a lawyer, who used every unlawful tactic to try and collect the Debt. in XX/XX/XXXX I contacted a lawyer who advised me that I could counter sue XXXX XXXX and XXXX XXXX for what was being done to me. I called XXXX XXXX, after discussing the matter and my legal rights. I was informed that they would release the Debt and remove it from credit report. It was shortly removed from credit report, hence I thought the matter was cleared up. Then, in XX/XX/XXXX the debt reappeared on my credit report under XXXX XXXX but was bought by XXXX XXXX XXXX. I contacted them, they said, they didn't know about the harassment from the past and were collecting the debt. I told the representative I felt it was wrong and unethical for them to report it now after all these years when a verbal agreement was reached and was honored for 6 years. 
So I then asked when it would go off my credit, the Rep said in XX/XX/XXXX because my last payment was XX/XX/XXXX, I told the rep that my last payment was in XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX, which means this debt should already be removed from credit report. The rep was unhelpful and said she would note the account. I writing to get resolve on this and hopefully move forward from a very bad past with the collection practices of this company. I have held on to tape recording from 5-7 family and friends who had calls with messages detailing personal information and threats from the agency used by XXXX XXXX or XXXX XXXX from XX/XX/XXXX. I am looking to have this debt immediately removed from credit report. 

Thank you
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Trans union is reporting a late payment for XX/XX/2017 on my XXXX XXXX account. I was not late I paid on XX/XX/2017. I have attached my payment receipt.
Consumer complaint received 2018-06-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (PA)

The Collection Firm of Franklin Collection Services Inc contacted me in writing that I owed XXXX for services that I did not receive. I therefore, send a letter asking for proof of service from XXXX and to show in detail what the service was for, address of service, type of service and dates of said service that they alleged that I had with a break down of monies that totaled the amount of debt. 



As a result of that communication ; Franklin Collection Service, sent me a letter with my name, masked SS #, my current address. The letter went on to provide very vague info, stating XXXX was the original debt with a address for XXXX and dollar amount of {$36.00} I contacted Franklin Collection Services and the agent stated that I owed the monies for internet services and that the debt was legitimate. I proceeded that they needed to provide me with proof and detailed break down of what the {$36.00} was for The agent at Franklin Collections call me a son of a XXXX and hung up the phone on me
Consumer complaint received 2018-06-05
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. (OH)

I have sent 3 requests to Transunion disputing dismissed bankruptcies reporting on my credit report. I have sent an affidavit requesting that answer my affidavit point by point, line by line to verify they accuracy of the information they are reporting and claiming to be verified. I have only received deficient responses with no proof to their claim. 

I refer to the attached Transunion Credit report file CHAPTER XXXX BANKRUPTCY DISMISSED as clouded. 
As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX Bankruptcies did not have Entry of the Order for Relief nor ever been Adjudicated. Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A, immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter XXXX Bankruptcies on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary. Your response within 14 calendar days upon receipt of this letter is greatly appreciated.
Consumer complaint received 2018-06-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: State Home Mortgage (GA)

The closing date on my home loan with State Home Mortgage company is XX/XX/2017 and the loan payoff payment was made, however the company reported the XX/XX/2017 payment as 30 days past due on my credit report. The XX/XX/2017 payment should not be listed as late because the home loan was paid off in XX/XX/2017.
Consumer complaint received 2018-06-04
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: TCF NATIONAL BANK (CT)

XXXX XXXX XXXX, CT XXXX  ( XXXX  ) XXXX After my bankruptcy my credit score was building nicely and was in the upper 600 's. I received a letter from XXXX XXXX XXXX stating that they work with individuals who have filed bankruptcy to help them with a loan to build their credit.

I agreed to a credit check and was not aware that there would be 7 and 8 hard inquiries on my credit report. I gave them permission to run my report but not to multiple financial institutions.

I waited a year to see if the issue would resolve itself but it has not. the institutions are listed below.

I am reaching out to you in hopes to remove all hard inquiries except for the one I gave permission for which would be XXXX XXXX.

Thank you Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX  XXXX Inquiry from XX/XX/XXXX Misc.

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX only allowed me to report three companies so I reported XXXX, XXXX and XXXX XXXX. Please let me know how to report the others. Thanks you
Consumer complaint received 2018-06-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America desist has violated x 15 USC 1692 by continuing collection activity after a cease and and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (LA)

The contact information is unreasonable for a credit reporting agency that dictates your digital existence on this planet and also vague about why consumers are repeatedly denied basic accounts based on hidden information from companies that do not have my consent to hold my personal information. I demand all my personal information be removed from this possession of this company which is even worse than the XXXX scandal.
Consumer complaint received 2018-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NC)

I've made numerous attempts requesting proper validation of the debt I have requested in writing to the collection company and to the credit bureau 's to provide me with a detailed breakdown/ contract with a signature of what I allegedly owe. I have yet to receive any proper documentation, case law is as follows XXXX vs XXXX Appeal from the XXXX Superior Court - The judge ruled the following : " As discussed previously, an FDCPA claim has nothing to do with whether the underlying debt is valid. An FDCPA claim concerns the method of collecting the debt. It does not arise out of the transaction creating the debt [. ] XXXX, XXXX XXXX XXXX. at XXXX. Footnote : See 15 U.S.C. 1692k ( governing civil liability under the Act ).
Consumer complaint received 2018-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NV)

I have an unverified account from ERC. I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ERC provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-06-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Worldwide Processing Group, LLC (TX)

I recieved a call from a XXXX XXXX from phone number XXXX claiming my husband owed a debt of {$300.00} to a company called XXXX XXXX XXXX.

I also spoke with her superior named XXXX, who said they are a 3rd party collection agency, named XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX.

The company the claim we owe has no website, every phone number listed is disconnected and online numerous complaints that it is a scam.

I contacted my bank and they confirmed we never recieved funds from them and searched multiple months. XXXX was claiming perhaps this was the only acct. they tried to receive payment from. They had the last 4 of my husband 's ssn, our checking acct number and my email address.

They claimed we owed {$480.00} and they got very defensive which was quite odd when I simply asked for the contact information for the company.

Supposedly they say they marked my file as disputed and that XXXX XXXX XXXX. will figure out how to contact us from there.
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

In XX/XX/XXXX Discover closed my credit card account " due to inactivity ''. This was my oldest credit account and has negatively impacted my credit score by over 100 points.

My credit card from Discover was opened in XX/XX/XXXX. My last payment on the card was XX/XX/XXXX. It was closed on XX/XX/XXXX without my consent. 

Why all of a sudden did they close it after nearly 5 years of inactivity? 

I did not receive notice that they were going to close my account. I have called them numerous times to try and have my account reopened and they are denying the request " due to their policy ''. 

I can understand closing an account due to inactivity but I think there should be a way to reopen the account and start using it again. Especially since the credit score system calculates your " credit age '' only based on your accounts that are currently open. 

I have seen online that other people have successfully had their accounts reopened by filing a CFPB complaint and am hoping to make some progress in recovering the last decade of my credit history.
Consumer complaint received 2024-10-12
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. (CA)

There are multiple credit inquiries on my credit profile that were unauthorized. 

XXXX XXXX : XX/XX/year>. 

XXXX  XXXX : XX/XX/year>. 

Please remove these inquiries from my credit report they are not a proper representation of my doings.
Consumer complaint received 2018-06-04
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: ALLY FINANCIAL INC. (CT)

XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX After my bankruptcy my credit score was building nicely and was in the upper 600 's. I received a letter from XXXX XXXX XXXX stating that they work with individuals who have filed bankruptcy to help them with a loan to build their credit. 
I agreed to a credit check and was not aware that there would be 7 and 8 hard inquiries on my credit report. I gave them permission to run my report but not to multiple financial institutions. 
I waited a year to see if the issue would resolve itself but it has not. the institutions are listed below. 
I am reaching out to you in hopes to remove all hard inquiries except for the one I gave permission for which would be XXXX XXXX. 
Thank you Inquiry details Ally Finan I Inquiry from XX/XX/2017 National Credit Cards/Airlines XXXX Inquiry from XX/XX/2017 Misc. 
XXXX XXXX Inquiry from XX/XX/2017 Automotive  XXXX XXXX Inquiry from XX/XX/2017 Finance  XXXX XXXX Inquiry from XX/XX/2017 Finance XXXX XXXX Inquiry from XX/XX/2017 Finance XXXXXXXX XXXX  Inquiry from XX/XX/2017 Finance Your system only allowed me to report three companies so I reported Ally, XXXX and XXXX XXXX. Please let me know how to report the others. Thanks you
Consumer complaint received 2018-06-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hillcrest Davidson & Associates (TX)

MGR.XXXX XXXX YELLED, CUSSED, AND THREATENED ME! HE SAID I WAS A FRAUD AND IS GOING TO PUT A XXXX COLLECTION ON MY CREDIT AN ACCOUNT WHICH ISN'T MINE! I RECEIVED A PHONE CALL XX/XX/2018 AT XXXX XXXX FROM A LADY AND SHE STATED SHE WAS CALL TO COLLECT A DEBT. SHE VERIFIED MY DADS ADDRESS AND THE LAST 4 OF MY SOCIAL. I INFORMED HER THAT ISN'T MY ACCOUNT I DID NOT AUTHORIZE THAT ACCOUNT AND YOU CAN NOT PUT THAT IN COLLECTIONS ON MY NAME BECAUSE I'M BUYING A HOUSE AND THAT WOULD MESS UP MY APPROVAL! SHE HUNG UP ON ME! I HAVE TO PROTECT MY CREDIT SO I CALLED BACK TO TALK TO A MANAGER. I WAS TRANSFERRED TO MGR.XXXX XXXX HE CAME OFF VERY MEAN ASKING QUESTIONS AND THEN STARTED ACCUSING ME OF KNOWING THIS IS YOUR ACCOUNT AND YOU AND YOUR DAD ARE FRAUDS! HE THEN STARTED YELLED, CUSSED, AND THREATENED ME! HE SAID I WAS A FRAUD AND IS GOING TO MAKE SURE TO PUT THIS ACCOUNT WHICH ISN'T MINE IN COLLECTIONS ON MY CREDIT! I TOLD HIM I NEED TO SPEAK TO HIS BOSS HE SAID NO I AM THE BOSS AND IF YOU CALL BACK IT WILL ONLY GO TO HIM! I ASKED LIKE 7 TIMES TO TALK TO HIS BOSS HE CONTINUED TO YELL AND SAID YOU ARE TALKING TO THE MANAGER AND I NEED TO STOP SCAMMING THEM AND PAY MY BILLS. I TRIED TO TALK TO HIM BUT HE KEPT YELLING SO I SAID I WOULD REPORT HIM HE SAID NO YOUR NOT YOU GO AHEAD AND REPORT ME YOU JUST NEED TO PAY YOUR BILLS I TOLD HIM I'M NOT GETTING ANYWHERE WITH HIM SO THAT'S WHAT I'M DOING FILING A REPORT WITH YOU THE AG 'S OFFICE ETC ...
Consumer complaint received 2018-06-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (CA)

XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Reference : XXXX XXXX XXXX ; The above XXXX account was disputed with XXXX XXXX and closed in XX/XX/XXXX due to unreturned equipment. 

I contacted XXXX XXXX in XX/XX/XXXX and explained I had left a violent and potentially dangerous situation and could not return to that apartment to retrieve the equipment. However, I explained that they have a tech office 0.3 miles from the apartment and there were XXXX XXXX techs in the complex almost daily, so if they would send a tech to retrieve the equipment it would be surrendered without any incident or threat of any violence. My initial request to have the equipment returned was denied, as I was told " they don't pick up equipment. '' I requested an appeal with XXXX XXXX where I pleaded my case over a recording with a representative from XXXX. My recorded appeal was denied by XXXX and I was told they do not pick up equipment under any circumstances. Having no other alternatives, my account was closed and placed in a collections status as of XX/XX/XXXX, and I accepted the damage to my credit rating. 

But now in an apparent attempt to further damage my credit rating and extend/bypass the statute of limitations, XXXX XXXX and XXXX XXXX XXXX has fraudulently reported the debt as being closed TWO YEARS LATER in XX/XX/XXXX.