davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (VA)

I have made several attempts to download my credit information from Experian an Have called them o their hotline at XXXX XXXX to no avail. I have used their direct website where you have to pay as a last resort several times after they said they made repeated attempts to reset the system for me. I have had no trouble obtaining my tranunion, and equifax reports but this is an immenense mystery toe. I made an additonal attempt to apply by phone and surprisingly the system found me, but they said they will try to send me a copy to my home address within 15 days if they can track all of my information down. In any event they will attempt to locate my info and send what they have. This Is All Surreal. I am XXXX years old and XXXX credit agencies can find me on the spot, and another does not even believe that I am an American citizen. How Is this Possible? Does Experian do their call center business in XXXX? Please help me get a copy of my Experian report. Thye call center employee aqctually told me that she cold not help me. I am working with lexington law firm to help improve my score from fair to excellent. Ineed your help obtaining my legal rigt to posess my experian report.
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This company is reporting false information on my credit report. I have requested verification and they continue to violate my rights. I have previously sent written correspondence to XXXX XXXX Bank requesting that all account information be verified and removed because this account ( 1 ) does not belong to me, and ( 2 ) is listing both negative and inaccurate information on my credit reports. XXXX XXXX Bank 's response XXXX XXXX XXXX, XXXX ) was that I did not indicate what specific information you were disputing or requesting to verify. This is FALSE ; please see the detailed email below which shows all of the inaccuracies this company is reporting false information. I have also filed complaint with all three major reporting bureaus and have not received a thorough investigation as required by the law. This is a notice of complaint with Transunion, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information and ownership of said account you have posted to my credit file. The date of last activity, payment history, and status* do not align across all credit bureaus. After further investigation on my part, I am also concerned that this account does not belong to me as I have never willingly opened an account with XXXX XXXX Bank, nor do I have any prior knowledge of said account. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX ), this notice includes : Identification of the specific information being disputed : TransunionXXXX reporting for Acct # not listed on either of the XXXX credit bureaus website, but pertaining to credit card account ending in XXXX. BASIS FOR DISPUTE 1. Date of last activity ( Inconsistent across all XXXX bureaus ) XXXX - XXXX XXXX Transunion - XX/XX/XXXX XXXX XXXX - unknown/not listed XXXX. Payment history ( Inconsistent across all XXXX bureaus ) XXXX - Late 30days XXXX, late 60days XXXX, late 90days XXXX ; worst delinquency - Bad debt/Collection Transunion - Late 30days XXXX, late 60days XXXX, late 90days XXXX ; worst delinquency - None reported XXXX - Late 30days XXXX, late 60days XXXX, late 90days XXXX ; worst delinquency - Collection ***Payment status is showing charge off from XXXX XXXX XXXX on XXXX XXXX however, XXXX payment status is showing " charge off '' on XXXX XXXX XXXX XXXX XXXX, then " ok '' XXXX XXXX, XXXX XXXX, then " charge off '' again XXXX XXXX XXXX XXXX XXXX, then " ok '' XXXX XXXX and XXXX XXXX, then listed as " charge off '' XXXX XXXX. *** 3. Status ( Inconsistent across all XXXX bureaus ) XXXX - " Charge off '' Transunion - " Charged off as bad debt '' XXXX - " Unpaid balance reported as a loss by credit grantor '' I also have NO knowledge of this account. 
Below I have attached a copy of my original letter to XXXX XXXX Bank, a copy of their response letter and a copy of the section of false information that is still reporting on my credit report.
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CO)

On XXXX XXXX, 2016 my mortgage with Freedom mortgage was paid in full and I received a payoff letter from Freedom Mortgage confirming this on XXXX XXXX, 2016. On XXXX XXXX, 2016 Freedom Mortgage withdrew a principal and interest payment of {$2000.00} from my bank account resulting in an overpayment. Despite XXXX or more calls to Freedom Mortgage to recoup these funds, I have not received them.
Consumer complaint received 2016-06-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (FL)

I have asked National Credit System to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2015-09-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (IL)

i 'm getting calls XXXX times a day from this number that I linked back to a company named Penn Credit, and they 're asking for someone who does not live with me, about something that I do not owe. I have not answered the calls. They keep leaving unintelligible messages on my answering machine. This has been going on for weeks. I do not owe any debts whatsoever. This is Harassment!
Consumer complaint received 2017-02-20
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: 2288984 Ontario Inc. (MD)

The state of Maryland has never authorized payday loans. Money Key is in violation of Usury Laws in Maryland and because of this violation I Am not obligated to pay Money Key. Money Key has harassed me constantly since the day the illegal payday loan account was opened. Money Key is threatening to sue me in civil court in regards to an illegal payday loan. I 've paid {$110.00} in fees/interest. Also Money Key has a regular finance charge fee on my statement and then " other charges/fees '' is also listed on my statement. Money Key does not explain what " other charges/fees '' means or where it comes from. I was charged {$30.00} for each {$100.00} of your average daily principal balance and also {$15.00} for each {$100.00} of my average daily principal balance. Money Key tries to illegall lend out money and hide under the guise that they are a " Line of credit '' but it clearly states on their website " Payday Loans ''. When you search for Payday Loans, Money Key is the first to come up on search engines. I have tried to negotiate payments with Money Key but now they are threatening to sue me for triple the amount that I owe them.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I took out a loan from XXXX XXXX XXXX roughly two years ago in the XX/XX/XXXX. This account was created to pay for an XXXX and initiated within the doctor 's office. My understanding was that the account was zero interest for a period of 24 months, at which time the account would begin to bear interest at prevailing credit card rates.I made monthly payments on this account up to and including XXXX of XXXX. My understanding until very recently was that my account was in good standing and payment status was current. However, only after recently pulling my credit report I learned that I had fallen into default status ( 90+ days past due ). As a result, my credit score has been significantly impacted ( decrease from XXXX in XXXX XXXX to XXXX currently ). Additionally, my account balance has increased from {$5400.00} in XXXX XXXX to {$9800.00} as of this week ( as a result of penalties and retroactive application of 30 % interest ). I never received any correspondence of any kind from XXXX notifying me of a change in account status, interest rate, or required monthly payment increase. Only after calling XXXX proactively did I learn the status of my account ( and only at this point did XXXX begin to contact me in an attempt to collect / inform me of the account status - something I wish they had done six months ago when it went into non-current status ). I had the ability to pay this account in full in XXXX. I also should have been notified of the impending change in interest rate and been given the grace period typically allowed for accounts changing status ( and about to incur retroactive application of interest ). I have spoken with XXXX collections/settlement departments in an attempt to settle this account in full ( XXXX XXXX principal balance plus a reasonable amount of interest ). Despite multiple calls, I have been unable to find anyone to work with me on settling this as soon as possible. The lack of notification resulted in penalties and retroactive interest which ballooned into an 80 % increase of the account balance over six months. This, in my view, is unreasonable, deceptive and predatory. I have now paid the account in full under protest ( in order to stop further penalties and interest from accruing and further deterioration of my credit score ).
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion had a glitch in there system that violated the rights of their consumers under section 6. As a result, I have been gravely effected and my credit score is suffering as a result. No notice was ever given which is also a violation. I am requesting that ALL inquiries be removed. 
1. XXXX XXXX Inquiry XXXX XXXX, XXXX 2. XXXX Inquiry XXXX XXXX, XXXX 3. XXXX Inquiry XXXX XXXX, XXXX 4. XXXX XXXX Inquiry XXXX XXXX, XXXX 5. XXXX XXXX Inquiry XXXX XXXX, XXXX 6. XXXX Inquiry XXXX XXXX, XXXX 7. XXXX XXXX Inquiry XXXX XXXX, XXXX 8. XXXX XXXX Inquiry XXXX XXXX, XXXX 9. XXXX Inquiry XXXX XXXX, XXXX 10. XXXX Inquiry XXXX XXXX, XXXX 11. XXXX XXXX Inquiry XXXX XXXX, XXXX 12. XXXX XXXX Inquiry XXXX XXXX, XXXX 13. XXXX XXXX Inquiry XXXX XXXX, XXXX
Consumer complaint received 2015-03-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing a public record since XXXX 2012. I do not know the supplier is with Transunion or others. I would have contacted them directly to remove the false record. When I successfully had another bureau remove it I had assumed all other reporting agencies would follow suit. I fear I am only requesting removal form the known XXXX bureaus and others XXXX still maintain this falsehood. 
I am requesting this bureau to notify their supplier after they remove it form their records. and XXXX other reports that should be removed. 
Thank you
Consumer complaint received 2015-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are XXXX inquiries on my report which I did n't authorize and I have asked Transunion to please review and remove the inquires off of my file. I never authorized XXXX XXXX, XXXX or XXXX to pull my credit report. Yet, I have inquires from them reported since 2-3 years ago. I have tried to contact the bureau regarding these incorrect items and I have not received a response for my letters mailed on XXXX XXXX. I do not understand what is going on. These inquiries are affecting my student loan interest rates and I would like them to do the right thing and remove and investigate these companies that have accessed my account without my verbal or written permission.
Consumer complaint received 2015-11-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to dispute ( AGAIN ) Portfolio Recovery Associates , LLC for the matter of {$420.00}, Original XXXX. This account was removed from my credit report back in XXXX by XXXX XXXX and yet it is STILL updated as late as XX/XX/2015 to my credit report. Please correctly update you credit files and DELETE this account, finally, from my credit report. It was deleted and can not be reporting to my name any longer. The debt was settled for deletion. I would like this removed immediately, because I have disputed this account XXXX times since XXXX and NOTHING has been done to correctly remove it from my name yet. It was scheduled for deletion, according to this letter, in XXXX.
Consumer complaint received 2017-03-01
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires removed.
Consumer complaint received 2015-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have attempted to call transition credit bureau @ XXXX. I was talking to him regarding some information listed on my credit report, such as my DOB is XX/XX/XXXX not XX/XX/XXXX as well as the address listed as XXXX XXXX XXXX , XXXX Ga XXXX is not my address, I have never lived in Georgia. However, my ex husband XXXX XXXX XXXX does live in XXXX Ga. I fear that he may be attempting to use my credit to further his and I need assistance to make sure that is not occurring. However, each person I talked to spoke with XXXX english and I could not understand them. So in the end that was of " NO '' help at all, simply a waste of my time. It seems the call center for Transunion is XXXX. I was transferred XXXX times to " another supervisor '' who spoke with XXXX english
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have XXXX XXXX account on report that is XXXX years old. XXXX keeps updating account to keep on credit report. Account # XXXX should be deleted. XXXX 's account # XXXX account is paid in full not charge off. XXXX XXXX has the same account posted XXXX on report. The charge off account should be removed Account was paid in full. XXXX account # XXXX is XXXX years old and should be deleted. Both XXXX accounts # XXXX and # XXXX I received a XXXX for those accounts so they should have been removed. XXXX Bank # XXXX should be removed account paid in full and amount is wrong.
Consumer complaint received 2016-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have supplied the credit reporting Agency documentation from Police department and the Bank which I was victim of Identity Fraud. Proof was sent by certified mail, fax and email. 
XXXX first did not acknowledge that they received my documentations and numerous phone calls. Later they simply do not respond to their own inquiry regarding the proof and supply of the documentation to properly investigate. I have even provided them with the contact information of XXXX County Police Department XXXX investigating the fraud occurred on my behalf at the bank which was funding my mortgage payments. I even provided in writing the all required contact information of the bank manager. An official letter from the bank that all my asset were frozen due to the ongoing fraud investigation at the branch.
Consumer complaint received 2016-01-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is a XXXX Bank account that does not belong on the report, XXXX has agreed for removal and the reporting agency keeps saying verified, this is wrong information on my name and it hurts me to the bottom. 
I have included a copy of my report as well the letter from XXXX bank showing the account in dispute.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern : I had a collection debt put on me by XXXX XXXX XXXX in XXXX, this account ( {$870.00} ) was paid in full in XXXX XXXX. When checking my credit report this account still shows up on my credit report as a correct account. How long does an account stay on your credit report before it is removed. I thank you for looking into this matter.
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (DC)

I have been a XXXX for the past 8 years. I love what I do and I would n't change it for the world. My point is I work hard and I try to provide for my family the best way I can ... .. but it is extremely frustrating dealing with Equifax credit bureau. I am trying to obtain a loan to refinance my home and since XXXX of 2015, Equifax has been reporting my revolving credit usage at XXXX % when it has been between XXXX-XXXX % and they are also reporting XXXX unknown collection accounts. 

My credit score with XXXX is XXXX However my XXXX score is XXXX!!! 
Powered by Equifax Credit Score XXXX Revolving Debt {$1900.00} Revolving Credit Limit {$2500.00} Revolving Credit Usage XXXX % Real Estate Debt {$200000.00} Installment Debt {$0.00} Total Debt {$210000.00} Powered by XXXX Credit Score XXXX Revolving Debt {$580.00} Revolving Credit Limit {$2500.00} Revolving Credit Usage XXXX % Real Estate Debt {$200000.00} Installment Debt {$0.00} Total Debt {$200000.00} I am requesting they correct and update my file to show the credit revolving credit usage and remove the XXXX improperly placed collection accounts XXXX Account Number XXXX and Diversified Consultants Account Number XXXX
Consumer complaint received 2015-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I have disputed an incorrect balance showing on my credit report of {$350.00} for a collection with XXXX XXXX XXXX XXXX. The correct amount should have been {$56.00}. I initiated another dispute on XX/XX/XXXX. On XX/XX/XXXX, I was contacted by the creditor with a name and phone number to call to settle the balance of {$56.00} for a hotel stay that the hotel failed to charge to my credit card upon checkout in XX/XX/XXXX. I paid the balance on XX/XX/XXXX and received an email confirmation from the creditor ( XXXX - XXXX XXXX XXXX ). The creditor provided the name of a contact with the collection agency for me to call. I contacted the collection agency to see when the collection account would be deleted since the disputed amount had been paid to the creditor. She stated that the request had already been sent, and emailed me a letter stating the request was sent to remove the collection account from all three credit bureaus. On XX/XX/XXXX, I received the dispute results from Equifax stating the creditor verified the balance was correct, and is still showing the balance at {$350.00} as a collection on my credit report with Equifax only. XXXX is still showing a balance of {$57.00}, and XXXX deleted the collection account. This information should have been removed by the credit bureaus upon notification from the collection agency. I contacted Equifax on XX/XX/XXXX, and was told that they had not received a request to delete the collection account. I was given a fax number to fax a copy of the letter from the collection agency and a copy of the email confirmation showing that the balance had been paid and to reference the report number XXXX for the dispute, along with a cover letter. After submitting the documents, I was very surprised to receive the results on XX/XX/XXXX stating the collection balance had been verified as correct, and was given an additional dispute number of XXXX. I am having a difficult time getting this incorrect information removed from the Equifax credit report. I uploaded a copy of the letter from XXXX XXXX XXXX to XXXX this date, XX/XX/XXXX, as they are still showing the collection as active on the XXXX credit report.
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX BV A XXXX XXXX CA XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$4500.00} XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX Balance : {$2900.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$73.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$430.00} 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 XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance XXXX {$660.00}
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MO)

I have tried to dispute this online being that I was just made aware of this over the weekend. Its an account that 's in collection that I have no knowledge of. 
Account name : XXXX services dated XX/XX/2017 {$59.00}. I have no knowledge of this account and have never received any mailings prior to it going to collections