davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-16
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Thank you for taking the time to review the complaint regarding the credit report. XXXX continues to furnish a series of late-payments. Accounts with beginning with one through five with a series of inaccurate reporting.
Consumer complaint received 2020-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

In XXXX of XXXX there is a discrepancy on my credit report. Back in XXXX of XXXX i noticed an inquiry on my credit report. It was from CAINE & WEINER. I have over 830 credit rating and pay all my bills on time. 4 months later they have added a delinquent status for progressive auto insurance which is literally impossible. I use ETF to pay my insurance bill. So whatever I owe is taking out automatically from my bank account. I switched from XXXX to XXXX insurance in XXXX of XXXX and obviously left my account in good standing. 

In my opnion, this company looks for people with great credit scores and then ding them with a bill assuming they will just pay to avoid the damage to their credit rating. It is literally impossible to owe a bill if you are paying it monthly with funds transfers direct from your bank account.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

ACCOUNTS XXXX not mine XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXXXXXX XXXX XXXX XXXX not mine XXXX-XXXX   XXXX not mine XXXX-XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX/XXXX XXXX not mine PUBLIC FILINGS US BKPT CT IL XXXX BK CHPT XXXX inaccurate COLLECTIONS XXXX XXXX XXXX XXXX not mine CREDITORS XXXX XXXX XXXX   XXXX not mine
Consumer complaint received 2020-03-03
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: Experian Information Solutions Inc. (AZ)

I had an account with Experian that was furnished by XXXX, however, Experian canceled it and started charging me for the service, there explanation was I didn't need two accounts. They canceled the account that was free to me, and started charging me a monthly fee. However when I canceled the pay account they unlocked my credit and will not allow me to lock it again until I pay for a upgrade account No other credit reporting service does this. I feel this is a rip off. Should be able to lock and unlock your credit report as you want.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX Three DEBT COLLECTION ATTEMPTS BANK AMERICA CREDITCARD. see XXXX  attatched. XX/XX/XXXX XXXX {$6.00}, XXXX limit balance {$0.00}. XX/XX/XXXX last reported. Date Closed IS BLANK STILL LEFT OPEN WITHOUT MY CONSENT OR KNOWLEDGE. ( 3 ) Three calls to collect today XX/XX/XXXX came from BANK AMERICA HARRASSERS XXXX XXXX XXXX XXXX. BANK AMERICA COLLECTION ATTEMPTS TO COLLECT DEBT NOT OWED. XXXX AT BANK AMERICA confirmed my social not even in her system. WHY WASN'T THIS CLOSED YEARS AGO? WHY IS BANK AMERICA REPORTING INCORRECT INFORMATION TO XXXX? WHY ISN'T XXXX  RESOLVING?
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the  USDOEXXXX partial account number XXXX. ( Please see attached credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted XXXX  ; XXXX  and Transunion and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-03-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: KEYCORP (ME)

My company financed a vehicle in XXXX with Key Bank, and have never been late. In XXXX of XXXX I called to get the payoff, and made the payment. I took out another loan with them for another vehicle a couple of weeks later, and in late XXXX I started getting collection calls. Originally I thought there was some mistake, and they were talking about my new loan. I was getting two or three calls on three different numbers, and sometime there was no one on the line. In XXXX I spoke with someone in the collections department that told me when I thought I paid off the loan they hadn't given me the full amount with {$27.00} in interest. He said he was going to put me on hold, and speak with customer service to have them waive it. After 45 minutes he disconnected the call. There has been several calls back and forth that have ended with them disconnecting the call. Finally out of frustration I paid them the first week of XXXX, and thought it was over. On XX/XX/XXXX I got a Certified Letter with a Right to Cure for another {$28.00} that they want. They've put it on my personal and business credit reports with my score dropping 30 points. I now have until XX/XX/XXXX to pay them or they are coming to get my van.
Consumer complaint received 2020-05-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I have a balloon mortgage that came due XX/XX/XXXX. I called XX/XX/XXXX to refinance. The agent I spoke to said it was too early to refinance call back in 2 or 3 months. I called back XX/XX/XXXX and they said I didn't qualify. I had to make a minimum of 6 or 7 calls, being put on hold, being transferred from department to department. The customer service agent said it was too late to refinance I should have started the process earlier. 
XX/XX/XXXX I received a letter stating they would no longer be taking payments from me. 
In late XXXX and XXXX, I called, and it to me 3 weeks to get through. I stated I owe one last payment of {$230.00} for XXXX and the representative said they didn't see that I owned anything but the balloon payment. 
XXXX I received an alert on my credit that I had late payments from PHH. 
I called and spoke to 3 representatives and they all said I own only the balloon payment. 
I spoke with Case Manager on XX/XX/XXXX and he said I own 3 XXXX dollar payments. I explained that I tried to pay but was told I didn't own XXXX payment. He insisted I did and that's why I was getting late reporting. I said I happy to pay. He said it would be XXXX extra to make a payment. I refused to pay an extra {$17.00} for a payment I have tried to make for 2 months. He said I could mail in a check for no charge when I asked him for the address he said : " PHH may reject it because it was late. '' My complaints 1 ) unable to contact PHH in timely manner hours on hold or just in a loop with no connection 2 ) Customer Service giving wrong information 3 ) PHH mailing letters that contradict Customer Service information 4 )  Unable to pay via PHH website, XXXX XXXX because phone lines are busy 5 ) Customer Servers charging & XXXX per payment 6 ) Not giving alternatives for payment methods 7 ) Insisting I must make my payments even though I received a letter stating they would no longer be taking my payments 8 ) lastly, the Case Manager I spoke with was condescending in his demeanor and contradicting PHH letter to stop payments. He said " you owe the XXXX payments '' and I agreed with him and I want to pay the money but adding XXXX per payment seems excessive and not being able to pay via the PHH website. 
I
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

The credit bureaus are reporting an XXXX XXXX - XXXX account and a recent 120+ day late on a charged off account for XX/XX/20 just showed up and the debt was paid already. This is erroneous
Consumer complaint received 2020-03-12
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: Webcollex, LLC (FL)

I'm a victim of identity theft I filed a police report and sent to all credit bureaus XXXX, XXXX, XXXX I dispute a creditor which had been taken off 2 years ago which show up in my XXXX  credit report this is fraud then recently it was put back I dispute and was not take off. CKS Prime Investments original XXXX XXXX XXXX  it shows Account # XXXX collection opened XX/XX/2018 contact information XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX I have no idea have never had anything to with this company I called them personally and no way to resolve anything with them I'm desperate or XXXX  please help resolve this matter. 

Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.
Consumer complaint received 2020-03-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc. (KS)

my chp XXXX bankruptcy included a loan from moneylion which was discharged. since I filed for the bk the company has been charging me {$10.00} for this moneylion plus membership that was a non negotiable surcharge in order to obtain the original loan. I have once already complained to this company that they were taking bi weekly payments out of my check for the principle and interest of the loan while I was in the bankruptcy and they therefore refunded the transactions that occured during the automatic stay of relief. However this MONEYLION PLUS MEMBERSHIP FEE IS A HIDDEN CHARGE THAT THE COMPANY IMPOSES IN ORDER TO OBTAIN THE ORIGINAL LOAN AND SHOULD HAVE ALSO BEEN STOPPED, WHICH MONEY LION HAS FAILED TO CEASE COLLECTION UPON AS OF XX/XX/2019. I request that money lion returns all of the funds collected from my XXXX XXXX account DUE TO THIS MONEYLION PLUS MEMBERSHIP TOTALING {$150.00}, as of XX/XX/2019 and IMMEDIATELY CANCEL THIS MONEYLION PLUS MEMBERSHIP WHICH WAS THE ONLY WAY I WAS ELIGIBLE FOR THE ORIGINAL LOAN.
Consumer complaint received 2020-03-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

I have been with freedoms mortage for years by force, being they brought my loan out from my prior bank. When the interest rates dropped I decided to refi and that it would be easier to do it with my current bank instead of switching. Freedom mortage processed my request and they scheduled me for closing after they ran all the necessary things. I took off work and spent money to get to where the closing was and no one showed up. It was cancel on freedom mortage part and no one reached out to me. I called them and the apologized and second one for the follow week and assured me that they will get everything resolved and then no one showed again. They claim it was an issue with texas and the funny part was no one in texas had an issue with refi. The paper work was processed a month later. They ran my credit again when it was not needed and lowered my credit score. That was a negative impact and for the I'm sorry they mailed me a XXXX   caller gift card. Now the did not pay my taxes and I am getting collection notices and another negative impact on my credit and I got late fees. This is not fair and they have impacted me twice on a negative note and have not made it right
Consumer complaint received 2020-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

Enhanced Recovery COL showed up on my credit report. I had never had any XXXX XXXX XXXX services. I never received any collection notices to my address. Where did this collection account come from? I never received notices. I never had any services with this company or XXXX XXXX XXXX.
Consumer complaint received 2020-05-01
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: CITIBANK, N.A. (NV)

MY XXXX  CREDIT REPORT SHOWS 3 hard inquiries from CBNA this company Has no information on me, they had me contact XXXX  XXXX  they have nothing on me they had me reach out to Citi bank and they have no information on me so XXXX  if reporting hard inquiries with no way possible to reach out to that company and XXXX  well not help and keeps saying the inquiries are correct according to the law 609 they  must furnish any and all information there holding on me and there have failed to do so XXXX  and who ever this cbna company is
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I settled and account with XXXX XXXX and noticed the bureaus were still reporting the account with a lower balance but not a XXXX balance. This was settled and should have been deleted and had the bureaus actually investigated as requested this would have already be resolved.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c.

( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-31
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. (SC)

In accordance with the fair credit reporting act, the list of accounts below have violated my federal protected consumer rights to privacy and confidentiality Under 15 USC 1681, I told the XXXX, TransUnion, and XXXX credit reporting agencies to reinvestigate these accounts. However, they stated everything was complete and accurate, but how is that possible if the open date of last activity and more is incorrect? 
according to 15 USC 1681 I. 5, they are supposed to modify accounts that are not reporting. Correctly, 15 USC 1681 section 602 A, states I have the right to privacy.

15 USC 1680 1, section 604 ( A ) section 2. States a reporting agency can not furnish an account without my written instructions.

15 USC 1681. C, a it, 5 states. No consumer reporting agency can make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions? Or crimes which antedates the report by more than 7 years.

15 USC 1681 's. - 2 ( A ), ( I ) A person shall not furnish any information relating to any consumer reporting agency. If the person knows or has reasonable Cause to believe that the information is incorrect or inaccurate.

also they are not in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I signed up for

the Capital One Savor credit card. I received a mailer in US
Mail to my address at XXXX XXXX XXXX XXXX Fl XXXX that once I apply, and if I am approved, I would get {$150.00} bonus after spending {$500.00} on my card within 90 days. 

I liked the offers, so I followed the steps to apply for the card online. Shortly after I received the card and used it to spend {$500.00} with the hopes of getting the {$150.00} bonus. 

After a few months, the bonus had still not been applied so I contacted Capital one. they looked into it, and XXXX advised me that the fine print says that you may or may not receive that bonus, and unfortunately you did not get the bonus. I asked him to elaborate why? XXXX from capital one responded along the lines that although he is not sure why, the terms and conditions in the fine print state that the bonus may or may not be applied. 

I felt like we were going around in cirlces, so I asked him if there was anyone else who could tell me more, and he would essentially repeat the same thing again. It was a pointless conversation and I have yet to receive my {$150.00} bonus for spending the {$500.00} on the credit card as advertised. 

Had I not recieved that advertisement, I would not have applied for this credit card.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SMITH, ROUCHON & ASSOCIATES, INC. (AL)

I had a bill from XXXX XXXX XXXX Hospital ( XXXX ) in XXXX AL after an accident that was deemed no fault of mine ; but, I paid the bill which was {$150.00} for ER care. I have the cashed check from XXXX, and I even sent them a copy, to no avail. I contacted the credit bureaus, and sent them a copy of the cashed check. The date of the bill was XX/XX/XXXX and the hospital cashed my check in XX/XX/XXXX. My bills were subrogated and this bill was paid again. When the credit bureaus investigated, they found the bill had been paid and the bill collector company wrote a letter to the credit bureau stating the bill had been paid by insurance and would be removed from my credit report. To this day, the bill is still on my credit report, and it has been months. The hospital was XXXX, but it is now XXXX XXXX  Hospital and the collection company is Smith and Rouchon. I have a copy of my canceled check and the letter from the collection company about the bill being paid, but nothing has changed ; the bill is still hurting my credit.
Consumer complaint received 2020-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (MO)

XXXX, XXXX  and XXXX  is reporting incorrect information on my credit profile. There are two creditors listed with the amount of {$280.00} and {$240.00}. Both creditors are in void without proof of written contract signed by me. These debts doesn't belong to me.