davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
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: Experian Information Solutions Inc. (CA)

Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of. Here are the inquiries that I've found : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove these inquiries from my credit report. I've also attached my identity theft report as well.
Consumer complaint received 2024-09-28
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. (MS)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I attest that I am XXXX XXXX, and the owner of the verbiage that is contained in this dispute. 

1. I have previously disputed the XXXX XXXX, Acct number -- -Account Number : XXXX, with Trans Union . 
2. Trans union claims they have verified this account, please see the dispute results attached. 
3. No Credit Card account has EVER been established by me, with XXXX XXXX. No card, was received, no activation occurred and XXXX has NO history of this accounts existence. 
4. Please delete this inaccurate account. 
5. Please provide the Method of verification, along with the Name, Address or other contact details utilized in your investigation.
Consumer complaint received 2015-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Experian is continuing to report collection accounts from XXXX XXXX XXXX and XXXX XXXX XXXX on my credit report that do not belong to me. I have disputed the items with Experian but they were not removed. I have contacted the debt collection companies directly and let them know the accounts are not mine. I asked XXXX XXXX XXXX and XXXX XXXX XXXX to verify the accounts but they never did. The accounts are lowering my credit score which causes me to miss financial opportunities as well as lose job opportunities.
Consumer complaint received 2016-02-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nair & Levin, P.C. (CT)

XXXX XXXX CLAIMS : Docket XXXX. 
In the year XXXX there was an eligibility error on the employer part the original debtor office was contacted by XXXX XXXX that claims are being reprocessed. No court date documents sent. I have been checking the website for any activity under notices. I received a failure to appear judgement which is totally incorrect NAIR & LEVIN returned date was XXXX/XXXX/XXXX, however they have been contacted by superiors at XXXX insurance that the claim was reprocessed. XXXX made the negotiable to the participating provider but then 5 years latter the money was recoupe due to an eligibility error. That error has now been corrected. Nair and Levin, ( XXXX, ct ) just jumped there guns when they were informed by XXXX once the archived information for XXXX claims recvd and eligibility updated the claims will be reprocess, and now they have sent me the entire bill which is incorrect saying I have a failure to appear when I recvd no such document. They took among themselves when the insurance company has been speaking with them. Docket XXXX. I have the XXXX when claims processed.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I contacted XXXX and tried to make arrangements to settle account, as i was in process of purchasing a condo in Va. we verbally agreed on a {$500.00} settlement paid in full, of which i let them automatically had them take out of my checking acct. the amount of $ XXXX.The bal was to have been paid on the following month. During the time after the first payment i received a letter stating i had a bal. of {$710.00} I made a phone call to them and was told that the amount on the letter was standard, to which i replied this amount was not our agreement and where does it state my initial payment, and the settlement amount we agreed on. In my opinion they reneged on the agreement therefore i am of the impression they lied and pulled a scam.My Payment of {$45.00} to me is debt paid in full ...
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MA)

I filed for bankruptcy protection in Maine as a temporary method of protecting my financial commitments while waiting for a consumer complaint case to be mediated-I did n't want my vehicle repossessed before the manufacturer was held accountable under the Lemon Law and replacing it or refunding my money. In order for the bankruptcy to be valid and proceed, I would have had to pay the required fee ( which I did not ) as well as providing the complete application paperwork & forms ( I also did not do that, as this was simply a strategy to delay repossession for a few days. Since I did not submit the complete package and fees, the case was dismissed almost immediately, but Experian has maintained that this was a valid bankruptcy and has listed it as such in my credit report since XXXX. 

This has caused me great harm in that I have been repeatedly turned down for consumer credit despite my record being pretty much spotless with no debt. I first submitted appeal # XXXX on XXXX/XXXX/XXXX that included a statement from XXXX Maine that the case was dismissed, but Experian refused to acknowledge the dismissal, saying that the bankruptcy was valid. 

A year later on XXXX/XXXX/XXXX I checked my credit report and found that Experian still burdens me with this invalid bankruptcy, so I filed another appeal ( # XXXX ) and Experian still maintains their unreasonable position. 

I believe that if a bankruptcy was dismissed/never happened that I should not suffer the same consequences as though I had proceeded through the entire bankruptcy process and since I did not benefit from the bankruptcy other than to gain a few more days so that the mediation could be completed, then I should not have to suffer the same consequences as if I had. 

To consider otherwise would unreasonably burden consumers with the punishing effects of " credit terrorism '' without being justified by actual events. In what world does " dismissed '' really mean I have to suffer this harm anyway? If valid, then it would take away any incentive for consumers to avoid bankruptcy - was that the intent of the government - to ceaselessly punish consumers when they try to do the right thing and honor their commitments? That would be counterintuitive at best and easily seen as a grossly negligent policy if true. 

Please review the attached materials and tell Experian that they are causing more harm than good. In fact, I ca n't think of one positive aspect of their business model that benefits our society whatsoever.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had opened a XXXX credit cards in XXXX I called and requested a credit line increase which was granted and it was increased to {$4500.00}. In XXXX I noticed on my credit report that it stated my credit line had decreased to {$3000.00} and is now going over the credit limit. I was in no way by phone or mail notified that this is a temporary credit line increase. I have disputed this with the car company and have gotten no answers they state that they have no phone records that they can provide for me because if they did it would prove that I was not notified of this. I feel I have been illegally bound to terms that I did not agree with I would like all XXXX credit reporting agencies to respond to me in 15 days with proof that I was in fact correct that this was done illegally I would like this account closed in good standings with a XXXX balance because of what XXXX has done to me if they can not provide proof of this I feel that is fair I did not want my credit reported negative in any way shape or form as this was not my fault as a consumer and it was illegal I have attached proof on my credit report stating the drop in the credit line and now because my credit is showing over the limit I can not receive any more credit from this company nor any others I have also lost {$500.00} because I was in the process of refinancing my home and had to pay for the appraisal and now it will not go through because of what they have done to me
Consumer complaint received 2016-10-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Several credit accounts and the corresponding trade-lines are not being reflected in my TransUnion personal credit report. They are being reported to the other bureaus. The creditors have advised they are reporting to TransUnion yet they accounts are not present in my credit report. This is adversely affecting my credit rating as my Average Age of Accounts is greatly diminished. This is a factor the XXXX scoring model uses in establishing an individuals creditworthiness. I would greatly appreciate assistance in having the following missing accounts reinserted into my TransUnion credit report. 

XXXX / XXXX Acct No. XXXX .... 
XXXX XXXX XXXX Opened : XX/XX/XXXX Limit {$8800.00} High Bal : {$1700.00} XXXX XXXX, XXXX XXXX Status : Paid/Closed Never Late Bal : {$0.00} XXXX / XXXX Acct No. XXXX XXXX XXXX Opened : XX/XX/XXXX Limit {$4400.00} High Bal : {$4200.00} XXXX XXXX, XXXX XXXX Status : Open/Never Late Bal : {$0.00} XXXX / XXXX Acct No. XXXX XXXX XXXX XXXX XXXX Opened : XXXX Limit {$4000.00} High Bal : {$990.00} XXXX, XXXX XXXX Status : Open/Never Late Bal : {$0.00} XXXX / XXXX XXXX Acct No. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Limit : N/A High Bal : {$750.00} XXXX, XXXX XXXX Status : Paid/Closed Never Late Bal : {$0.00} XXXX XXXX / XXXX XXXX Acct No. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Limit : {$11000.00} High Bal : {$3400.00} XXXX XXXX XXXX, XXXX XXXX Status : Closed/Never Late - Transferred XXXX XXXX Acct No. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Limit {$300.00} High Bal : {$91.00} XXXX, XXXX XXXX Status : Paid/Closed Never Late
Consumer complaint received 2018-01-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (RI)

I recently closed on my home on XX/XX/XXXX. My mortgage then changed hands and is serviced by Lakeview Loan Servicing , LLC. My payment includes taxes and insurance however I applied for the XXXX XXXX with my city, which was approved. Once I received the updated tax statement I faxed it to Lakeview Loan Servicing , LLC and requested them to confirm with me upon receipt. I never heard back. I sent an email and I have tried AT MINIMUM four times to reach customer service about my escrow account via phone ... their recording would say they had a high call volume and to leave a call back number. I have done this THREE times. I received a call back over a week after my initial request ... Though I am not sure if my email to customer service or my request for them to call me triggered the call back. Regardless, whomever I spoke with told me that my account would be updated by XX/XX/XXXX. It is now XX/XX/XXXX and YET AGAIN I have not heard back and my payment amount has not been updated. I sent ANOTHER email on XX/XX/XXXX and have not heard back from that request either. I find the lack of customer service to be unacceptable. The ONLY way I was able to talk to someone was when I opted to speak with someone about my insurance, because this company also had an error with my insurance information ( no fault of mine as I have had coverage and its paid for with my mortgage payment ). After I resolved the insurance information I asked the woman to connect me to customer service because I am not able to reach them, she said she would stay on the line but then transferred me to another recorded line instead which eventually hung up on me. Being unable to reach my mortgage and have my payment adjusted down to where it should be is not acceptable. They also now will need to back date and update the additional payment amount to principal however I can not get ahold of them in a timely manner, they have left me with no choice but to write this complaint in the hopes to get this matter resolved.
Consumer complaint received 2016-12-01
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

A lot of issues have started since One Main financial switched computer systems. I was behind on a loan payment which was due the XXXX. On the first they started calling me AT WORK, numerous times a day, demanding money and saying that my account was already 30 days late. When they started the new computer system, i was locked out of my account. It kept popping up an error message and to call my local branch. Customer service thru One Main financial is more than lacking. RUDE is the best way to say it. Threatening calls saying that the payment was already 30 days late and that it WILL BE ON MY CREDIT. When i explained that the payment was not yet 30 days late and it would be paid when i got paid, which would be before the XXXX, she began shouting at me YES IT IS 30 DAYS! This was on the XXXX of the month. Plainly on my statements I receive the payments are due on the XXXX of the month! The tone in which the calls were made and the frequency of the calls i feel like are total harassment. Nothing compassionate or trying to reach a resolution about these phone calls it was just flat out harassing. Numerous times she was told that the payment would be made on pay day.
Consumer complaint received 2016-12-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

XXXX took me to court for late rent, I was on a program called Section 8.My rent was {$1100.00} amount and Section 8 paid {$480.00}. Landlord took me to court for {$610.00} which I had the money order when I went to court but the landlord did not show. After living there over 5 years I explained to the judge that the landlord was sealing the home and did n't give me proper notice to move out.The landlord know I was going to bring that up in court so he did n't show. CASE WAS DISMISSED, so what the landlord do is turn around and put it on my credit report stating I owe {$3500.00}. Landlord is now stating carpet, paint and unpaid rent he now stating was {$360.00}. HE IS NOT TELLING THE TRUTH ALL THE WAY AROUND. If I owe all this way he did n't show up in court and when he filed why he did n't state I owed all this.
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Debt Recovery Solutions, LLC (FL)

On XX/XX/2018 I discovered two items from XXXX XXXX XXXX XXXX that appears as Debt Recovery Soluti Account XXXX in the amounts of {$1200.00} and {$100.00} had been re-inserted into my credit file. I informed XXXX   that they are required to notify me within ( 5 ) days of re-inserting previously deleted items. I did not receive such notification. Please delete this item immediately
Consumer complaint received 2016-07-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is an address listed on my credit report that I have never lived at. The address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I do not know whete this address came from but it is over XXXX miles away from me. Thank you.
Consumer complaint received 2017-01-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BYL Collection Services (CO)

BYL COLLECTION SERVICES XXXX. Has sent me a letter stating that they want me to pay a 50 % settlement for the amount of {$130.00} and it looks like the original creditor was referenced as total XXXX. Client account number is XXXX. Unfortunately This BYL Collection Services is a third party collection company that up until this time has NEVER communicated with me. I did send them a letter via mail asking for validation of this debt by supplying to me the original signed contract between myself and XXXX XXXX. At this juncture I have not received anything stating their position that I owe them anything. I have never entered into a legal binding agreement with this company and do not owe them anything. The FCRA states that in section XXXX I have the right to ask for and be supplied with the original documentation stating that i owe any such balance. Simply sending me an itemized bill or a letter offering me a settlement opportunity does not meet the requirements of the law. In my last letter to BYL I requested that all collection activities cease since no proof of validation was supplied to me and yet they continue trying to solicit me to pay them something that I do not owe them.
Consumer complaint received 2015-05-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

rec'ed Letter dated XXXX XXXX on XXXX XXXX : From : WELLSFARGO Bank 'EMPLOYEE ... XXXX XXXX the letter she sends dose n't reflict any case number from cfpb ...? ; and this Employee dose n't give and direct phone number to contact her? 

fine attachments of the letter mentioned in the complaint dated this day XXXX XXXX
Consumer complaint received 2024-10-19
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. (CA)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2015-11-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I had filed an dispute with TransUnion on XXXX, advising them that the statement they made on my credit report saying hard inquiries stay on my credit report for 2 years and 1 month is false. 
The statue states that hard inquries remain on a consumer credit file for 2 years. 
TrannsUnion never responded to my dispute. The following inquiries are on my credit report. 
XXXX XXXX : requested on XX/XX/XXXX, XXXX : requested on XX/XX/XXXX, XXXX : requested on XX/XX/XXXX, XXXX : requested on XX/XX/XXXX, XXXX : requested on XX/XX/XXXX and XX/XX/XXXX : requested on XX/XX/XXXX. 
TransUnion never responded to my dispute.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion Will NOT investigate and remove unauthorized inquiries from my credit report. 

REMOVE ALL UNATHRIZED INQUIRIES FROM MY CREDIT REPORT!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank 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
Consumer complaint received 2015-05-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Palm Beach Credit Adjustors, Inc (FL)

I became a victim of ID theft in XXXX and in XXXX I was informed by the IRS that some one had filed my income tax return using my personal details and when i had my XXXX report pulled because i am trying to purchase my XXXX home. I was subsequently informed that I had a large amount of debts in collection. I requested my free reports and found that I have ( XXXX ) medical entries that do not belong to me. i contacted the ( XXXX ) bureaus and informed them that i wanted to file a dispute ; immediately I contacted the debt holders and informed them that i was a victim of ID theft and I needed them to send me written validation of the account and information detail where and how the account was opened. All that has transpired since my initial contact since XXXX from my efforts was a security alert being placed on my file.
Consumer complaint received 2015-11-25
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (PA)

This is my XXXX day ... Went to TD Bank on XXXX and XXXX XXXX pa.. Walking in to try to speak with customer service. Mind you just to get a replacement card now as we speak I 've been here for 1hr and half.. Still have n't been seen they have multiple tellers but XXXX customer service rep and she acts like she does n't want to even be here. I do n't understand I 've been to a few of your branches pa, ny but this XXXX is XXXX of the worst I 've ever been to.. XXXX to say the fact I need my card to get my money but another day I will go with out XXXX or I will have to go out my way to go to another brand .. XXXXpeople just walked out and yesterday was the same I thought if u come early maybe it would be different well it 's not .. Someone needs to come really see the mess Thts here : /. Because it 's a lot of people in need of a job if they do n't want to work ..
Consumer complaint received 2016-01-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My complaint is about www.annualcreditreport.com. XXXX worked fine ; Trans Union said they were having technical difficulties and I had to request the report by snail mail. XXXX also said I had to request the report by snail mail. XXXX particularly asked identify questions that were such ancient history or so trivial I could not get them 'right '. For example, we had a loan with Bank X that was then bought out by Bank Z, but I could not remember when the buyout was so I got the answer 'wrong '. This is hardly the way to get accurate information to prevent oneself against identity theft!