davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tired to correct information on my credit report. I have disputed it with both the Bureaus and the creditor. They have not properly investigated and resolved my issue. XXXX XXXX XXXX XXXX begin a modification process on my XXXX and XXXX mortgage at the same time XX/XX/XXXX. After complying with the terms and paying the trial modification my XXXX was modified permanantly in XX/XX/XXXX but my XXXX was not. I constantly asked XXXX XXXX XXXX the status, they said it was still working, I continued to pay the trial payment, then XX/XX/XXXX I got another notification that my XXXX mortgage was under trial modification, Again I continued to pay it on time and in XX/XX/XXXX the XXXX became permanant, almost 1 year later. XXXX XXXX XXXX reports that I was 120 days late and that I was late on my XXXX mortgage since the trial began. They corrected this on the XXXX mortgage but not on the XXXX. I made payments as agreed and yet the report is not an accurate reflection of what happened. I never got an explaination as to why the XXXX mortage took so long. But with the XXXX, XXXX XXXX XXXX Reported that I was on time from the start of the XXXX XXXX. In addition when we started this program - due to job loss- we were told there was nothing that cold be done until we were behind. I would like to have my credit reports reflect as paid as agreed on my XXXX mortgage from XX/XX/XXXX until now. I have attached documetation showing my payments, the agreement and the impact on my credit report. Please HELP I have sent endless disputes to XXXX XXXX XXXX and The Credit Bureaus to no avail. This really hurts my ability to get back on my feet, since the modification, we have been able to make payments and straighten out our financial lives, this inaccuracy does have devastating impact.
Consumer complaint received 2016-08-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

i disputed a charge, was given credit but then t was rebilled even thought i never rec 'd the item. spoke with a number of agents & dispute supr. at Capt I. they informed this happens all the time, i 'm in the process of writing a detail account of problem even so they have recorded my disputes.\ phone calls i was also told i would be rebilled for XXXX item of XXXX
Consumer complaint received 2017-06-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (FL)

The company has repeatedly called over and over again but its never a real person- just an automated system. They have been calling every day while I 'm at work for months now. I have asked several times for them to stop calling me but they refuse. They are jeopardizing my job by the repeated harassing phone calls. I do not even owe the debt they claim I do- I have disputed it and have no record/knowledge of me ever owing anything. When they call and write letters they even threaten to sue me without providing any proper documentation. I disputed the debt and asked for proof- they sent an old lease that was not proof of any debt and did not include images, documentation, receipts, or anything stating that I owed the debt. It also did not have any validating signatures. I have even called and left voicemails several times and have not once received a call back. They also put it on my credit report after I disputed it and keep changing the balance. Its at least every month they go on and change the balance they claim I owe without sending any further documentation.
Consumer complaint received 2017-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commonwealth Financial Systems, Inc. (GA)

I have been calling for months to get this taken care of and have been told u have received the proper paperwork for my bankruptcy and it will be " made right '' in 6 to 8 weeks and that never happens!
Consumer complaint received 2016-08-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have tired to correct information on my credit report. I have disputed it with both the Bureaus and the creditor. They have not properly investigated and resolved my issue. Bank of America Mortgage begin a modification process on my XXXX and XXXX mortgage at the same time XX/XX/XXXX. After complying with the terms and paying the trial modification my XXXX was modified permanantly in XXXX but my XXXX was not. I constantly asked Bank of America the status, they said it was still working, I continued to pay the trial payment, then XX/XX/XXXX I got another notification that my XXXX mortgage was under trial modification, Again I continued to pay it on time and XX/XX/XXXX the XXXX became permanant, almost 1 year later. Bank of America reports that I was 120 days late and that I was late on my XXXX mortgage since the trial began. They corrected this on the XXXX mortgage but not on the XXXX. I made payments as agreed and yet the report is not an accurate reflection of what happened. I never got an explaination as to why the XXXX mortage took so long. But with the XXXX, Bank of America Reported that I was on time from the start of the XXXX XXXX. In addition when we started this program - due to job loss- we were told there was nothing that cold be done until we were behind. I would like to have my credit reports reflect as paid as agreed on my XXXX mortgage from XX/XX/XXXX until now. I have attached documetation showing my payments, the agreement and the impact on my credit report. Please HELP I have sent endless disputes to Bank of America and The Credit Bureaus to no avail. This really hurts my ability to get back on my feet, since the modification, we have been able to make payments and straighten out our financial lives, this inaccuracy does have devastating impact.
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

I have been a cardholder with XXXX XXXX for over 10 years. I have never missed a payment. 
I was in the hospital during the month of XXXX in 2015 and had someone send in my payment. 
Due to an electronic error the payment was never made. I received no email notice, no phone call or no US Mail notice that I was late in making my payment. Previously, if I had been a few days late ( never 30 days ) I was always called by XXXX XXXX as the payment date was misleading. I assumed that if you were not 30 days late you were safe. In fact, XXXX XXXX went so far as to reversing late fee 's that were charged to me due to the fact I paid a couple of days after the due date ( Again, no 30 days ). I called XXXX XXXX and they were insistent that they were right and I was wrong. Again, computer error. I stand by my record as never having had a late payment in 10 years. I am asking them to remove this late payment from my credit report. 

In addition, I was denied a credit limit increase due to this one late payment. In addition I am receiving credit offers from XXXX XXXX regarding approval for a car loan of up to {$35000.00}. Does not make sense ... ... ... ....
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NC)

I have tired to correct information on my credit report. I have disputed it with both the Bureaus and the creditor. They have not properly investigated and resolved my issue. XXXX XXXX XXXX Mortgage begin a modification process on my 1st and 2nd mortgage at the same time in XXXX of XXXX. After complying with the terms and paying the trial modification my first was modified permanantly in XXXX but my second was not. I constantly asked XXXX XXXX XXXX the status, they said it was still working, I continued to pay the trial payment, then in XXXX of XXXX I got another notification that my 2nd mortgage was under trial modification, Again I continued to pay it on time and in XXXX the XXXX became permanant, almost 1 year later. XXXX XXXX XXXX reports that I was 120 days late and that I was late on my 2nd mortgage since the trial began. They corrected this on the first mortgage but not on the 2nd. I made payments as agreed and yet the report is not an accurate reflection of what happened. I never got an explaination as to why the 2nd mortage took so long. But with the first, XXXX XXXX XXXX Reported that I was on time from the start of the Trial Mortage. In addition when we started this program - due to job loss- we were told there was nothing that cold be done until we were behind. I would like to have my credit reports reflect as paid as agreed on my 2nd mortgage from XXXX of XXXX until now. I have attached documetation showing my payments, the agreement and the impact on my credit report. Please HELP I have sent endless disputes to XXXX XXXX XXXX and The Credit Bureaus to no avail. This really hurts my ability to get back on my feet, since the modification, we have been able to make payments and straighten out our financial lives, this inaccuracy does have devastating impact.
Consumer complaint received 2024-10-25
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)

I am writing to inform you that I am a victim of a data breach, which has resulted in unauthorized inquiries on my credit report. I am requesting that all inquiries listed below be blocked and deleted from my credit file, in accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ) : 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
Consumer complaint received 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

On XXXX XXXX I looked into Transunion 's website as it promised that I could look at my credit score once a year for free. As I made my account it asked for my credit card information and I felt a little weirded out, but I assumed they needed it to pull up my credit information and verify who I was, as that 's what the page acted like it was doing. On XXXX XXXX I was charged XXXX for Transunion 's membership service without ever being made aware that I was paying for a service. There was nothing on the page that said I would be paying anything, let alone XXXX. Today, on XXXX XXXX, I was going through my finances and looked at my credit card to realize I 'd been charged XXXX for their membership that I did not agree to. It was incredibly difficult to navigate their website and to cancel my membership, it was hidden in the FAQs, and it seems that they 've had this problem before seeing as how this year you made Transunion and XXXX pay refunds to thousands of customers who have had similar experience. There is no way to contact Transunion online and I do n't want to navigate their foreign-based customer service or send them snail-mail that is not guaranteed to get there or make it back. Thank you for your help.
Consumer complaint received 2016-08-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OR)

CitiBank NA or CBNA made a credit inquiry on my credit bureau reports on two different occasions : the first credit inquiry was made on XXXX XXXX, 2016 to XXXX and XXXX XXXX, 2016 to XXXX ; the second credit inquiry was made on XXXX XXXX, 2016 to XXXX and XXXX XXXX, 2016 to XXXX. I called XXXX on XXXX XXXX and requested a fraud alert be placed on my credit bureau report. They also removed CitiBank NA 's credit inquiry from their credit bureau report. It does not make sense that CitiBank NA made a second inquiry on my credit bureau reports as I have not applied for an account with CitiBank NA. Fortunately, a fraud alert has been placed on my credit bureau reports. I need help as I want CitiBank NA to stop making credit inquiries. The address for CitiBank NA is XXXX XXXX, XXXX XXXX, SD XXXX and for CBNA the address is XXXX XXXX, XXXX XXXX, SD XXXX.
Consumer complaint received 2016-08-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Daniels Norelli Scully & Cecere, P.C. (NY)

Letter was mailed in response to Debt Collector 's demand ; on XXXX XXXX 2015. The letter denied owing the money demanded. 
The collector has failed to verify the debt, yet since the date of my response to his initial demand ; he has attempted to subpoena my bank records ; collector has illegally obtained my social security number, and is now seeking to garnish my salary. This is all being done on a debt which the collector has failed to verify.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite my diligent efforts, these fraudulent accounts remain on my credit report, and my disputes have been ignored or inadequately addressed. The persistence of these inaccurate accounts is causing significant harm to my financial standing and overall well-being. Upon discovering these unauthorized accounts, I promptly filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted this report to the relevant credit reporting agencies.
Consumer complaint received 2024-08-26
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-09
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. (SC)

XX/XX/year> Experian XXXX XXXX. XXXX XXXX XXXX, TX XXXX Subject : FCRA 605B : Block the Fraudulent Information Dear Sir/Madam, I am a Victim of Identity Theft. I never gave any Authorization for this Collection company to have my information. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX Please Block this information from my credit report, pursuant to section 605B of the ( FCRA ) Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

I request, pursuant to FCRA 605B ( 15 USC 1681c-2 ), that the Experian Credit Reporting Agency block all of the accounts, collections and hard inquiries identified in this complaint from my consumer credit file within ( 4 ) business days of receiving said complaint. I request that all written confirmation regarding this FCRA complaint be sent to me via email to the email address listed here : ( XXXX ) In addition, On XX/XX/year>, I called and asked for a debt validation and verification letter confirming details of the debt, but the company has not responded. 

I appreciate your prompt attention to this matter, and await your reply. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2017-08-19
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. (CA)

XXXX XXXX XXXX is reporting inaccuracies on all three credit report. I have pictures which I will attached. I want my credit reports to be accurate as possible. Since there is no real VALIDATION of these I am asking that these get erased please. I 'm looking g to purchase a home and need my reports to be true and correct. I have sent a letter in the past asking for this to be fixed. Thank you in advance.
Consumer complaint received 2024-08-09
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. (PA)

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The account [ XXXX XXXX, XXXX ] is not complete and accurate. 

XXXX XXXX has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on MY consumer report. 

XXXX XXXX is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 

XXXX XXXX has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2017-06-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc (TX)

I saw an a d on Facebook  stating you could sign up for a membership at  XXXX    XXXX   XXXX   for just {$1.00} down. I 'd always wanted to join but the start up fees had always been ridiculously high. I called the  XXXX  location Saturday  XXXX   XXXX , and spoke to a gentleman named "  XXXX  '' who pumped me up and made me even more excited to finally join my dream gym. I asked him when my first payment would be due - he said  XXXX   XXXX  ( later when I spoke to  XXXX  at  ABC Financial I  cited  XXXX   XXXX  but going back in my bank account, remembering when I signed up I realized it was the  XXXX  ). Fast forward to  XXXX   XXXX  and I get a notification from my bank saying my card was declined for {$35.00} at  XXXX    XXXX   XXXX  . Admittedly, I should have contacted them then, but since I knew I would n't have any money I did n't worry about it. Fast forward to Friday,  XXXX   XXXX  - I get a notification that  XXXX  has been removed from my account by  XXXX    XXXX   XXXX  . I was furious because it was an unexpected expense that left me with only  XXXX  dollars. I called  XXXX    XXXX   XXXX   and spoke with a young woman named  XXXX  and told her I wanted to cancel my membership because of the charge. She apologized and told me that  ABC Financial  handles that, then proceeded to give me their phone number. I spoke to a woman named  XXXX  who said that because I only paid the {$1.00} down my first payment was due within that month. I said I was never told that and she said it was on the contract. A contract I had never had the opportunity to go and sign. She also said it was sent via email, but I 'd never received  one. So n ot only had I not even signed a contract, I had no idea that I 'd be charged.  XXXX  fee plus a late fee.  XXXX  then proceeded to tell me the only way I could cancel my membership is with a {$100.00} dollar buyout. Before she could finish, I hung up.
Consumer complaint received 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (CA)

Ford motor credit is reporting inaccuracies on all three credit report. I have pictures which I will attached. I want my credit reports to be accurate as possible. Since there is no real VALIDATION of these I am asking that these get erased please. I 'm looking g to purchase a home and need my reports to be true and correct. I have sent a letter in the past asking for this to be fixed. Thank you in advance.