davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-15
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. (NJ)

Today XXXX XXXX 2018 I contacted my XXXX XXXX to ask when and how many times do they report my balances to ALL 3 Credit reporting Bureus. XXXX stated ( and I have their email statement ) ONCE A MONTH. I signed up for My Fico credit score monitoring with Free Daily Alerts. It appears, that XXXX, Trans Union and XXXX are reporting to my credit file balances Two weeks after my closing date with XXXX XXXX, then immediately decreasing my Fico score as much as 20-30 points at ANY GIVEN TIME OF THE MONTH. I find this to be wrong. My XXXX XXXX closing date is the XX/XX/XXXX of each month. Verified with XXXX XXXX. Why is XXXX, Trans Union and XXXX reporting balances two weeks after? And decreasing my score? I am AFRAID to use my XXXX XXXX at ANY TIME because XXXX, Trans Union and XXXX is reporting incorrectly HURTING my score. I applied for credit and was denied because of this game the Credit reporting agencies are doing. I have TREND REPORTS by MyFico where it shows the dates, the decreases and the entire month graph as proof. I also have a written statement by XXXX XXXX  that they ONLY report my Balances every XX/XX/XXXX of each month. What is happening here, is that the credit reporting agencies are keeping my Credit Line Utilization Ratio High, when in reality it is low 4.5 to 7 percent. By doing so, my scores drop. I know my rights as a consumer and I demand an Investigation to  this bad business practices. XXXX XXXX advised I should report this immediately because it is wrong.
Consumer complaint received 2018-01-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (NY)

XXXX XXXX XXXX has inaccurate in their accounting records, and has admitted fault publically on their website. Unfortunately, I was apart of their miskept payment records. I have received numerous calls, letters, and even emails excessively even after " clearing '' it up with more than one rep. One rep would say I missed a payment for a month, then come back and tell me she was incorrect and that I in fact was current. I would then receive another call, only days later, telling me I missed payments from months like XXXX and XXXX, ( as she 's calling me in XXXX ). I advised her that I have made sufficient and overpaid. I even sent reciept of those payments and still received calls. Now, most recently, I spoke to a SUPERVISOR and he was also inaccurate with his track records, I reminded him that their lines are recorded and we can simply check them to clear this up. He said he would transfer me to someone and hung up. Never called me back. I called him back immediately, no answer. I left a voicemail, no response. I think they are pro-longing things and keep finding reasons to put me in the wrong rather than admitting they had account issues and that they actually do not know the balance I owe. To avoid court and unnecessary stress, I would like to resolve this with them right away. None of their reps want to take the time to fix this. I will also upload what their insufficient response message looks like, stating they " have already responsed ''
Consumer complaint received 2018-01-15
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. (CA)

My Trans Union credit report lists a hard inquiry made on XXXX XXXX, 2017 by XXXX XXXX. I did not authorize this hard inquiry and suspect fraud. The contact information is : XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone XXXX. National credit cards/ airlines.
Consumer complaint received 2018-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On XX/XX/XXXXI ordered a copy of my credit report for all 3 credit bureaus and noticed some accounts that I was unaware of. The accounts seem to be errors of debt that I am unaware of. I have sent certified letter to the creditors and to all 3 credit bureaus yet no actions was taken in order to resolve this matter. I have decided to file a lawsuit against the creditors for using my consent without me, and not removing this error off my credit permanently. Your company has caused major distress to my life, has threaten to sue me and have contacted me at my job. Your company have violated me in many ways through The FCRA laws sections 604, 605, 609, 611 ( a ) ( 1 ) ( A ), ( a ) ( 7 ), ( 5 ) ( A ), 616, 617. I am not going to allow you to  harass me any longer and I have filed a lawsuit. Ive tried to contact you through mail with certified documents, the phone but no response back after months. I was left to file a lawsuit against your companies. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below. 

If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed Universal Data Form to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto. 
XXXX XXXX XXXX {$930.00}, XXXX XXXX XXXX {$670.00}, XXXX XXXX {$890.00}
Consumer complaint received 2018-01-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: TD BANK US HOLDING COMPANY (NJ)

Attempted to add my personal TD Bank account to XXXX to fund a USD wallet within XXXX. TD Bank is blocking from using external applications, thus preventing the funding of my XXXX USD wallet from my personal TD Bank checking account.
Consumer complaint received 2018-01-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX, XXXX, XXXX XXXX XXXX .... The basis for my dispute was required to notify me prior to XXXX/XXXX/XXXX, or no later than 30 days after XXXX XXXX, XXXX, XXXX XXXX to notify me about reporting derogatory info. to XXXX XXXX  and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under  subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days afterXX/XX/XXXX furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, XXXX XXXX, XXXX, XXXX XXXX '' failed to give me my " Mini-Miranda '' five days prior to  placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve XXXX XXXX, XXXX, XXXX XXXX is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2018-01-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MS)

XXXX XXXX XXXX keeps reporting 2 collection accounts to my credit report. I have sent them letters dating XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, asking them to provide a contract with MCM as validation with my signature. They ca n't provide that. They can only tell me that the screen shows I owe them the money. They continue to report this to my credit report with all 3 bureaus which costs me more money in interest with the companies that I do have contracts with and I have been denied credit because of this issue. I want this false information to be taken off of my credit report.
Consumer complaint received 2018-04-02
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: WELLS FARGO & COMPANY (TX)

XXXX 's client XXXX XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for several credit cards. Among these was a credit card with Wells Fargo, while the application was declined and no account was established the process left a fraudulent related inquiry on his XXXX credit report XX/XX/XXXX. A formal dispute of this information was sent to Wells Fargo and received via certified mail with return receipt XX/XX/XXXX. As of this date Wells Fargo has failed to reply to the outcome of the re-investigation and removal of that fraudulent data from the credit report which is a violation of the FCRA and my clients consumer rights.
Consumer complaint received 2018-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (IL)

I bought a couch on XX/XX/XXXX from XXXX 's. They advertise and tell you that you have 24 months 0 % financing. When I received my statement the plan expires XX/XX/XXXX This is 1 year 11 months of financing.

In the prior complaint the company claimed they fixed the issue. However, What they did was credit the account purchase date of XX/XX/XXXX with a payoff date of XX/XX/XXXX and then charged my account with a purchase date of XX/XX/XXXX and a payoff date of XX/XX/XXXX. By doing this my prior months payment on the promotional plan was then credited to the other promotional account which is also only an 11 month payment plan. When they did this they took all my payments applied to this promotional plan and put it on the promotional plan that is coming dueXX/XX/XXXX.

There are also two new promotional accounts on my statement this month with the same problem. The dates of the promotional period is from XX/XX/XXXX- XX/XX/XXXXand XX/XX/XXXX - XX/XX/XXXX. These are suppose to be a 12 month promotional plan but once again it is 11 months. If these were 12 month promotional periods the period should be XX/XX/XXXX -XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX.

THIS IS FALSE ADVERTISING!!! FIX YOUR SYSTEM TO REFLEX 12 MONTH FINANCING OR CHANGE YOUR ADVERTISING.

They do not charge you interest if you buy something on the retail account and then you pay it off when you received your statement. But they start the promotional account from the day you purchase the item. I have several other cards and not one calculates the free financing in this manner. They either have to quit advertising 12 months free financing or advertise that it is 11 months free financing. They also advertise that anything over 350 is free advertising. However, if you buy anything on their website they do not offer free financing at all. This is extremely confusing to the consumer and is not right.

This is the worse credit card I have. I have to call monthly to get things corrected and I have to have payments adjusted and applied the proper way. This is how consumers are getting screwed by XXXX XXXX.

My next step is contacting a lawyer for a class action lawsuit. I have already shown an attorney the statement and how the retail account works vs the promotional plan works and how one does not have 12 months to pay the account or 24 months to pay the account and that you only have 11 months or 23 months to pay. However the amount that is required to be paid on the account is calculated at 12 or 24 months. So if you do not watch the account you will not pay off the account in the time frame and then get zapped with the interest for not paying it off on time. This is a scam.

The way they corrected my statement is not correcting the problem.
Consumer complaint received 2018-01-15
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. (NC)

I never authorized these accounts or Inquiries. My signature is not on anything. 

XXXX XXXX {$390.00} ... XX/XX/XXXX XXXX XXXX {$310.00} ... XX/XX/XXXX XXXX {$490.00} ... XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX  {$360.00} ... XX/XX/XXXX XXXX XXXX {$590.00} ... XX/XX/XXXX XXXX XXXX {$1000.00} ... XX/XX/XXXX
Consumer complaint received 2018-01-14
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. (PA)

I opened a student loan in XXXX 2012 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$8100.00}????
Consumer complaint received 2018-01-15
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: EQUIFAX, INC. (NC)

I never authorized these accounts or Inquiries. My signature is not on anything. 

XXXX XXXX {$390.00} ... XX/XX/XXXX XXXX XXXX {$310.00} ... XX/XX/XXXX XXXX {$490.00} ... XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX  {$360.00} ... XX/XX/XXXX XXXX XXXX {$590.00} ... XX/XX/XXXX XXXX XXXX {$1000.00} ... XX/XX/XXXX
Consumer complaint received 2018-01-14
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. (TX)

Following inquiries on my report are not mine and fraudulent ... Fraudulent Inquiries : - XXXX XXXX XXXX XXXX on XX/XX/17 - XXXX XXXX on XX/XX/17 - XXXX XXXX XXXX on XX/XX/17 - XXXX XXXX XXXX on X/XX/17 - XXXX XXXX on XX/XX/17 - XXXX XXXX XXXX on XX/XX/17 - XXXX XXXX on XX/XX/17 - XXXX XXXX on XX/XX/17 - XXXX XXXX on XXXX -  XXXX XXXX, XXXX on XX/XX/17 - XXXX XXXX XXXX on XX/XX/17 - XXXX XXXX XXXX on XX/XX/17
Consumer complaint received 2018-01-15
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)

Ive contacted Equifax multiple times in reference to fraudulent information found on my credit report, and what method they are using to verify it. I sent Equifax a copy of my fraud affidavit with supporting documents and a list of accounts that are reporting on my credit file which do not belong to me. Equifax has removed all but two accounts according to what shows on their website today XX/XX/XXXX. There are addresses that were deleted from my credit file, but now has reappeared, there are three inquires which show on my credit file, I called Equifax and spoke to a representative about them on XX/XX/XXXX and I was told by the representative that they do not show on my EQUIFAX credit file, but yet they show on my credit file as seen on the Equifax credit report XX/XX/XXXX. 
There is a Bankruptcy that shows on my credit file with Equifax, which doesnt belong to me. I have asked for it to be removed, I have asked for the method of verification and how the Bankruptcy was validated, including the name of the person and phone number that was called to validate the debt, I have yet to rcve this information. All I have rcvd from Equifax is a statement on my credit report thats says they verified the Bankruptcy through a third party Company XXXX, but I called XXXX spoke with a representative about the verification and was told that no one called from Equifax to verify a Bankruptcy on my file. I rcvd a copy of my consumer file from XXXX and there is no Bankruptcy showing on my file with them. 
There is an account showing from XXXX, I have asked for verification of this debt and method of validation, I have yet to rcve anything from Equifax accept the word verified next to this debt on my dispute summary. This is not my debt Ive never had a charged off account with XXXX, the account says its under investigation but It isnt The following Inquiries out of the Blue showed up on my Credit Report in XX/XX/XXXX, which werent previous there, I have never applied or authorized anyone to apply to these companies in my name for credit, nor have I authorized any credit inquiries from these companies : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX-GA XX/XX/XXXX The following addresses has been removed and has reappeared, this address doesnt belong to me and needs to be permanently removed : XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2018-01-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

OnXX/XX/XXXXThe Bank of New York filed a MOTION FOR DEFAULT against me and several other entities ( non of which reside or co-own my homestead property in Florida ). 

Since then, I have made several ignored requests for a modification, reduction in monthly payment or an opportunity to short sell. 

For clarification, my mortgage payment ( When the loan belong to Bank XXXX XXXX ) increased by {$1200.00} for lender placed insurance inadvertently placed on my account because at the time I had coverage. XXXX My payment went from {$1600.00} to {$2900.00} ) To avoid foreclosure I was approved for a grant ( XXXX XXXX XXXX ) that paid the escalated about for 8 months, during which I hoped I would be granted a modification or the ability to short sell. 

I do n't believe The XXXX XXXX XXXX XXXX is giving me a fair opportunity to keep my home.
Consumer complaint received 2024-11-08
Product: Credit reporting 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. (AZ)

I have reached out to Transunion on multiple occasions and have constantly gotten the run around. Transunion gives you the hardest time to get inquiries removed. Upon speaking with multiple people on the phone they tell me I CAN NOT dispute hard inquires over the phone and to write a letter. A letter was sent out on XX/XX/XXXX by U.S certified mail receipt. Transunion did not complete an investigation or sent me any steps that were taken they simply responded with a generic letter explaining to me what a hard inquiry was as the letter asked them to be removed.

Under the Fair Credit Reporting act 15 U.S.C 1681b ( c ), a creditor or lender is permitted to access my credit report only with my explicit consent or for a legitimate purpose related to credit application, loan or account management. However, I believe several inquiries on my report DO NOT meet the criteria. 


Details of unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To my knowledge I did not authorize any of these Inquiries, nor did I initiate any transactions or applications that would justify such actions. The FCRA requires that companies obtain written consent before accessing a consumers credit report. These unauthorized inquiries not only infringe upon my rights under the FCRA but also negatively affect my credit score and overall credit worthiness.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I tried to get my free online credit report from Equifax and after answering their online questions their programs indicated they could not verify who I was. I opened a complaint about this with CFPB and followed up by mailing in a manual request to Equifax for my free credit report. 

Equifax did not accept my request and instead sent me a letter asking me to make a copy of 2 ids and mailing it back to them before they would send me my report. I sent them a copy of 2 ids and mailed it back to them. 

I am filing this complaint because I want our Federal Government to know that this company is not providing me with my free credit report. This company continues to try to get me to pay them to protect my credit report information. I continue to ignore their requests. 

I do not think that our country should allow credit bureau companies like this to exist and I think they should be operated by the Federal Government and the information stored on computers should be protected by the best information technology people the NSA can hire to protect US from internal fraud in companies like this and from external fraud as well. 

Our Federal Government shut down the accounting firm XXXX XXXX after the XXXX scandal. Our Federal Government should shut down Equifax too.