davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In XXXX XXXX XXXX a delinquent/late payment was reported to the credit bureaus. I had made a payment plan with XXXX XXXX prior to that and had followed it accordingly. When they reported my payment late, I called and spoke to the general manager XXXX XXXX ( he was also the one who helped me set up the payment plan ). He admitted it was a mistake on their end and it should have never been reported. I asked him to resolve it and he was very flighty, it took me 4 times of asking him until he said he would need to submit something to the credit department but it would take a long time. I said that was fine. Since he kept complaining about it I asked for the credit departments contact information and he said they dont give it out to customers and only he can do it. After 2 months I reached out to XXXX because it was still on my credit report and he said oh I assumed they fixed it because I didnt hear anything and said nothing else can be done. So I filed a claim with each bureau explaining this and all were denied except one. I resubmitted and they were still denied. XXXX said they couldnt do anything about it even though I reminded them they admitted it was their mistake. I asked for a Corporate phone number and they said they didnt have one. I then began working with a credit repair agency and they said this sounded shady, and have been working on removing this from my credit report at the other 2 bureaus but they have been unsuccessful. So it is still on my credit report even though XXXX admitted it was their mistake. 
Aside from this major issue, XXXX has been EXTREMELY rude and insulting in every interaction I have ever had with him. They have also called over XXXX times in XXXX day for days on end. I have just paid off this entire loan so my account is closed with them but I am still not okay with their shady business practices.
Consumer complaint received 2023-07-03
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. (GA)

Since XXXX my credit score has been decreasing a lot I was in XXXX - XXXX range and I couldnt figure out why considering I only have 1 missed payment and I closed that account, after awhile I looked at my Experian credit report and seen a personal loan took out in my name XX/XX/ for XXXX. This company is called XXXX XXXX XXXX, when looking it up you can see many others have left bad reviews on this for scam/fraud/identity theft. My credit score is now below XXXX. Please help boost my credit score where its supposed to be and remove this account from my credit report.
Consumer complaint received 2023-04-09
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: Experian Information Solutions Inc. (TX)

In Accordance with the fair credit reporting act these accounts below have violated my Rights XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 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
Consumer complaint received 2024-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (OH)

At the end of XXXX of XXXX  my mortgage company Flagstar Bank had their collections call and said my payment was late. After looking into it my payment was made online. Flagstar requested proof of payment on an email. This email was sent on XX/XX/year>. Flagstar said it could take up to 14 days to review. Flagstar would continue to have their collections call looking for payment and I would have to explain to them the payment was paid and I sent proof to an email that they provided. Finally, one of the collectors suggested to check the online payment process with my checking account and that it may be stuck in that. The payment was sent to Flagstar but not processed correctly. I contacted Flagstar after finding the payment and returned to me I made the payment. I spoke to a supervisor about my late fees removed and my credit fixed. She agreed to do so because they found my email with proof of payment in XXXX. The next mortgage statement still had my late fees, and my credit was still affected. So, I called Flagstar again and spoke to a different supervisor and she said they would not remove the late fees and fix my credit. I tried to explain to her that the proof of payment was sent on XX/XX/year>, and wasn't contacted by anyone other than their collections. She still wouldn't change it.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (MS)

I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-07-02
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: Experian Information Solutions Inc. (GA)

On XX/XX/23, I submitted disputes to the credit bureaus for an account appearing on my credit report, XXXX XXXX XXXX. I never received a response back so I went to the company directly and mailed them a letter on XX/XX/23. Still no response. Then I filed a complaint with the CFPB bureau, the company finally responded and said they mailed a letter on XX/XX/23. I believe this is a lie, because today is XX/XX/23 and the mail does not take 30 days. All I requested was simple validation/verification of the debt, any information at all, and the company also stated in their response to my complaint on the CFPB website that they could not provide me with any documentation, but that I had to go to a local branch. MAJOR RED FLAG. As I continued to wait on the mail they said they sent, I went over the letter again they posted in the CFPB website. The letter was photoshopped and it is so easy to see. My name, account number, and DATE, were photoshopped on a letter, I guess to make it look like they actually processed my letter to them. They continue to report information on my credit report, yet are unable to send me any information and are doctoring letters to make it look like they received my letters and responded to them. I have yet receive anything from XXXX, XXXX, or Experian about this account, and my credit report does not say that this account is in dispute either.
Consumer complaint received 2023-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Student Loans were in forbearance by the US government until XX/XX/2023. I applied for income based and received the run around until I filed a complaint. Then all of a sudden I got a letter saying I had a payment due that was not there before I complained. Why are my student loans forbearance?
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (PA)

In XX/XX/XXXX, I opened a SECURED CREDIT CARD with XXXX XXXX XXXX. 
I Secured this card with a {$200.00} cash Deposit. I used this card sparingly over the next year. Never missing any payments Nor ever being late. I contacted the company in early XXXX, PAID OFF MY ENTIRE BILL, and requested THEY close this account. I never heard anything else from this company until XX/XX/XXXX. At this time I found that somehow I now owed this company {$150.00} over my {$200.00} Security Deposit. This made absolutely no sense. Seeing that I had paid off the entire balance before requesting to close this account. 
So I called them and requested information as to how a paid off account could have a bill of over {$300.00}. ( {$150.00} & {$200.00} Security Deposit ). I was told by the Customer Service Rep that I spoke with, that because the account was never actually closed by the company, the annual fee was still charged against this account. Then because of the annual fee being charged and no payments being made, late fees started occurring. so now between the annual fees and the late fees, I owed this company {$350.00}. 
This is a total TRAVESTY. This company used up my Security Deposit. Next they charged me another {$150.00} in fees on top of that. Then lastly they have the audacity to put me in collections for this {$150.00}. So to keep my credit clear I even pay off the {$150.00}. They still refuse to remove this negative from my credit reports.

This is predatory practices ' at the lowest. This company never had any intention of refunding my Security Deposit. They understand that I was doing everything possible to repair and keep my credit in good standings. So they prey on the disenfranchised. People who are trying rebuild their credit profiles.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Synovus Bank (PA)

In XX/XX/XXXX, I opened a SECURED CREDIT CARD with XXXX XXXX XXXX. 
I Secured this card with a {$200.00} cash Deposit. I used this card sparingly over the next year. Never missing any payments Nor ever being late. I contacted the company in early XXXX, PAID OFF MY ENTIRE BILL, and requested THEY close this account. I never heard anything else from this company until XX/XX/XXXX. At this time I found that somehow I now owed this company {$150.00} over my {$200.00} Security Deposit. This made absolutely no sense. Seeing that I had paid off the entire balance before requesting to close this account. 
So I called them and requested information as to how a paid off account could have a bill of over {$300.00}. ( {$150.00} & {$200.00} Security Deposit ). I was told by the Customer Service Rep that I spoke with, that because the account was never actually closed by the company, the annual fee was still charged against this account. Then because of the annual fee being charged and no payments being made, late fees started occurring. so now between the annual fees and the late fees, I owed this company {$350.00}. 
This is a total TRAVESTY. This company used up my Security Deposit. Next they charged me another {$150.00} in fees on top of that. Then lastly they have the audacity to put me in collections for this {$150.00}. So to keep my credit clear I even pay off the {$150.00}. They still refuse to remove this negative from my credit reports. 
This is predatory practices ' at the lowest. This company never had any intention of refunding my Security Deposit. They understand that I was doing everything possible to repair and keep my credit in good standings. So they prey on the disenfranchised. People who are trying rebuild their credit profiles.
Consumer complaint received 2023-07-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion has let this problem go on Since XX/XX/. I told them the day of the event, that a fraudulent inquiry made on my account from XXXX XXXX XXXXand I called the bank which confirmed to remove it and they will notify the credit companies let the credit companies knowthen I followed up with the credit companies. Transunion has failed to correct the error, I also received the letter from XXXX stating that the inquiry was fraudulent and should be removed, I still have the XXXX letter as proof, I put in two investigations with Transunion and and the inquiry still has not been removed for over 90 days im well within legal limits to take action against Transunion due to negligence. XXXX has Co-operated, Transunion has not. You cant keep a fraudulent inquiry on my account when the bank agreed it was in error.
Consumer complaint received 2023-07-02
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/23 My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (NY)

On XXXX, I received a letter in the mail. When opening the letter i realized I received a US Bank Reliacard XXXX XXXX card in my name. The back of the card states it is from the Ohio Unemployment Insurance Program. I am not a Ohio State resident and I have never filed for unemployment. I would like to file this and cancel the card, but every time I call the US Bank number, i can not get through.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

No changes on my credit report and Bad Score, still getting hurt with negative and collections accounts on my 3 credit bureau and XXXX on denial credit base on my credit history that in the pass 11 years I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from report. 

I got identity theft in XXXX have filled a police report, FTC, FBI & IRS. 
And again identity theft in XXXX Data Breach From the WA Department Of driver license and Motor Vehicle.
Consumer complaint received 2023-07-17
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: OneMain Finance Corporation (FL)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-07-03
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

These docs are coming from me ; XXXX XXXX and not a third party.. I did not authorize these two inquiries on my credit report. # XXXX XXXX. Capital One : XX/XX/2023 XXXX XXXX XXXX : XX/XX/20XXXX XXXX
Consumer complaint received 2023-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion has let this problem go on Since XX/XX/2023. I told them the day of the event, that a fraudulent inquiry made on my account from XXXX XXXX XXXX I called the bank which confirmed to remove it and they will notify the credit companies let the credit companies knowthen I followed up with the credit companies. Transunion has failed to correct the error, I also received the letter from XXXX stating that the inquiry was fraudulent and should be removed, I still have the XXXX letter as proof, I put in two investigations with Transunion and and the inquiry still has not been removed for over 90 days im well within legal limits to take action against Transunion due to negligence. XXXX has Co-operated, Transunion has not. You cant keep a fraudulent inquiry on my account when the bank agreed it was in error.
Consumer complaint received 2023-04-09
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: SYNCHRONY FINANCIAL (IN)

In accordance with the Fair Credit Report Act XXXX, XXXX, SYNCB/ASHLEY HOMESTORE, 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.
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (AZ)

On XX/XX/2022 my wallet and identity were stolen. I immediately file claims with financial institutions affected and as well as all other accounts I have. I obtained a new driver 's license and filed an online police report. I continued and continue to have new inquiries on my credit report even though I have placed a lock on my credit. Somehow the thief continues to be able to have access to my credit. Unknown.
Consumer complaint received 2023-07-02
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: Experian Information Solutions Inc. (TX)

this account XXXX XXXX XXXX XXXX XXXX XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

When attempting to obtain my printable credit report from your organization via AnnualCreditReport.com your website caused my browser on XXXX ( XXXX, the default browser which is up to date ) to crash when I attempted to print to my wireless printer and I was unable to retrieve my report as a result. 

I need the printable form of my report available from AnnualCreditReport that I requested today, XX/XX/XXXX, either in PDF form, or some other printer friendly format for me to print.
Consumer complaint received 2023-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

there are several charge offs that is on my credit report that is not suppose to be there. I spoke to several people, multiple letters has been sent and no resolution. please help. 2 XXXX  XXXX charge offs and syncb account.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

I have called ChexSystems multiple times to unlock my account, but representatives have not been able to do this. I am trying to log into my consumer portal and I keep getting the message saying that an administrator has locked my account. I am unable to reset my password and I have tried the " I think my account is locked '' troubleshooting.
Consumer complaint received 2023-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (OH)

I've had an Apple credit card through Goldman Sachs since XXXX of XXXX. In that time I have purchased four XXXX and one phone using the monthly installment plan. The first two XXXX were paid in full before the 12 month plan ended. The third was purchased on XX/XX/XXXX. I like to make early payments, or to pay more than I owe to lesson my debt. My accounts shows my first payment for this device posted on XX/XX/XXXX, with the 12th and final installment posting on XX/XX/XXXX XXXX my account shows all 12 installments posted on the day they were due ( I paid them much earlier ). The issue is, Apple is still charging me for one more month. 

If you look under any other device that still has installments due, it states " next installment on XX/XX/XXXX : $ $ $ '' For the XXXX in question, it does not say this, however it is still saying the reaming balance is {$33.00} ( what was posted XX/XX/XXXX as the 12th installment ). 

Now that a new month statement has posted, the {$33.00} installment should not be included in the amount due on XX/XX/XXXX. 

Goldman Sachs and Apple need to make their system easier to understand. It appears as if I am paying an extra month. I don't like to wait until the last minute to pay my bills. Goldman Sachs and Apple 's system for tracking payments makes life difficult for those of us who want to be responsible with our credit by making early payments.