davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit went from XXXX to XXXX due to the Great Recession and problems in paying medical bills and being unemployed. In XXXX I landed a job and have not missed any bill payments since then. Accordingly, my credit went from XXXX to XXXX in XXXX. However, in XXXX of XXXX my credit suddenly dropped from XXXX to XXXX per XXXX XXXX 's data collected from Transunion and XXXX. When I checked to see why I discovered a XXXX NEW entries for unpaid balances that were FOURTEEN YEARS OLD, both dated XXXX XXXX, XXXX. Both entries involved " XXXX XXXX XXXX '' which I have never heard of in amounts of {$13000.00} and {$4600.00}. I contacted XXXX and Transunion and got their typical barrage of obfuscation and confusing emails, none of which addressed the problem. Then they simply noted the " entries were removed '' but my credit remained dinged by XXXX points. 
I want to know if the Big XXXX credit reporting firms business models rely on keeping people beaten down, downtrodden, and miserable to enhance their profits by selling their services? They seem quick to harm someone but unresponsive in fixing problems. For me, this is very damaging in that it may preclude me from getting a mortgage. Worse yet, credit in this range will likely have an adverse affect on me getting a promotion. 

There is no salient documentation as my complaints were filed with Transunion and XXXX on line and I was unable to save correspondence in their website. There responses did not address, or rectify, the issue. 

Thank you.
Consumer complaint received 2023-06-07
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. (GA)

I have been in contact with all three credit bureaus regarding an authorization by XXXX XXXX XXXX in the amount of {$240.00} on XX/XX/2023. This was a deposit for a car I was purchasing, but that fell through and I was then due to have the authorization reversed and the {$240.00} made available in my account. The merchant posted a separate charge for {$240.00} that same day, instead of releasing the initial authorization. Both transactions were done using my XXXX XXXX XXXX XXXX XXXX with a {$400.00} limit. At this point, I had {$240.00} taken out of my account for the authorization hold, and another {$240.00} posted as a charge - putting my card at {$490.00} ( or {$98.00} over my limit ) and my credit utilization at 99 %, which resulted in my credit dropping nearly XXXX points with all 3 bureaus. As soon as I noticed this, I paid off the credit card on XX/XX/2023 to a {$0.00} balance, and was issued an additional credit from XXXX which gave me {$400.00} credit + {$240.00} on my XXXX XXXX XXXX XXXXXXXX. I went from a XXXX down to a XXXX when XXXX XXXX XXXX reported the 99 % credit utilization to the three bureaus on XX/XX/2023, despite the fact that my balance was at {$0.00}, and my credit utilization was also at 0 %. As of today - all three credit bureaus still show I am at 99 % credit utilization, and I still have an outstanding balancd on my credit card of {$390.00}. They STILL haven't updated the balance and the credit utilization, although XXXX XXXX XXXX told me they reported my {$0.00} balance on XX/XX/2023 to all credit bureaus. The thing that is most upsetting is that my credit score took a nose dive due to a mistake that XXXX caused when they charged me a second time, putting my credit utilization at 99 % - and none of the credit bureaus have corrected this XXXX have they issued back the credit points I lost because of this.
Consumer complaint received 2016-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The inquiries were not listed on my credit report on XXXX XXXX when I just recently checked my credit report they were reinserted on my credit report in addition I was not notified 5 days prior to them being reinserted back on my report.
Consumer complaint received 2015-12-23
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH)

Although I closed my checking and savings account quite a while ago because of poor service, lies, threats and no reponse the past couple of years from complaints made to the bank 's corporate headquarters, First Merit Bank continues to harass me - in retaliation for several complaints I filed against it with the CFPB. Again, for the month period ending in XXXX, the Bank mailed me a statement. It showed no previous balance, no transactions, and no ending balance. First Merit Bank employees are either the most vindictive or the most incompetent - or both. Their being a bunch of XXXX incapable of serving the public should cause the feds to revoke their banking charter.
Consumer complaint received 2017-02-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (NY)

Multiple times per week for the past 2 months we have received automated calls from Penn Credit ( based on caller ID, as they never state their name on the message ) stating " we have a personal message for you. Please Press 1. I did not hear your response. Please Press 1. '' This goes on several times before they 're machine ends the call. 
We have perfect credit and do n't owe anyone any late or unpaid debts. I 've XXXX this company and see that they harass as part of their regular MO. Please have them stop calling. Thank you.
Consumer complaint received 2015-12-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (WA)

The original creditor company and its debt collection agency improperly reported negative/derogatory information to the Credit Reporting Agencies without first contacting the debtor about the debt to verify the accuracy and existence of the debt. Despite the debtors ' dispute of the debt existence via their attorney, the original creditor company and its debt collection agency made false and fraudulent statements regarding the debt and its dispute to the Credit Reporting Agencies.
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TX)

I requested a copy in writing from Annual Free Credit Report of my credit report ; I received a notice from XXXX and Experian stating they had sent it to me ; I did not receive a report from XXXX or Experian ; ( Note : I did receive my free copy from XXXX )
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

During the XXXX financial meltdown I had XXXX properties, XXXX primary residence and XXXX rental and all mortgages where with XXXX. I filed for bankruptcy in XXXX. The primary residence was sold via a Short Sale and I was able to SUSTAIN by curing the mortgage deficiencies on the rental property, which is an ACTIVE MORTGAGE with XXXX and has been in place since XXXX I have been informed by XXXX that EXPERIAN has an IN-HOUSE POLICY to delete ALL Mortgage History on a Mortgage that has a bankruptcy tied to it, thus in effect VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS AS WELL AS VIOLATING THE FEDERAL CREDIT & REPORTING ACT. 
EXPERIAN IN-HOUSE POLICY FLIES IN THE FACE OF PUBLIC POLICY. IT IS DAMAGING MY FULL CREDIT MARKETABILITY. XXXX has informed me that XXXX as well violated my 5th and 14th Amendment Rights by NOT reporting my ACTIVE MONTHLY MORTGAGE PAYMENTS during the time of bankruptcy filing and bankruptcy dismissal and did not RESUME my ACTIVE MONTHLY MORTGAGE PAYMENTS TO XXXX UNTIL XXXX, WHICH MEANS ALL OF MY MORTGAGE HISTORY HAS BEEN WIPED OUT AND DID NOT RESUME UNTIL XXXX. 
EXPERIAN IN-HOUSE POLICY HAS FAR REACHING RAMIFICATION AGAINST ALL CONSUMERS WHO MAY HAVE FILED BANKRUPTCY AND WERE ABLE TO HOLD ON TO THEIR PROPERTIES, THEIR MORTGAGE HISTORY SHOULD NOT BE WIPED OUT COMPLETELY AND EXPERIAN SHOULD STOP VIOLATING CONSUMERS 5TH AND 14TH AMENDMENT RIGHTS! MY CREDIT WORTHINESS HAS BEEN DAMAGED!
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AZ)

I was charged {$7500.00} on XX/XX/2020 by XXXX XXXX XXXX XXXX. The charge appeared on my Citibank World Elite Mastercard. The Merchant could not deliver the product that was purchased and agreed to initiate a refund. I never received the merchant initiated refund so I initiated a dispute through Citibank 's online portal. 
Citibank 's portal reported an error during the dispute process ( CITI002 error ). I contacted Citibank customer Service through both their chat app and by phone. Each attempt to reverse this charge ended up with Citibank service people unable to help. They reported various reasons- " system upgrade '', " Inability to see data '', and " need for additional information from their system ''. A total of 8 customer service people were contacted- 4 of those resulted in disconnected calls, 3 of them resulted in handing off the problem to someone else and one said to call back " later ''. I spent a total of 2-1/2 hours trying to get someone to help.

I am trying to get this charge rightfully refunded as the goods were never delivered.
Consumer complaint received 2015-06-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (TX)

Resurgent Capital Services Tel : XXXX ; Fax : XXXX sent me a notice that I owe Original Creditor XXXX XXXX XXXX {$660.00}. The current owner is now LVNV Funding LLC with Account XXXX XXXX. I have never done business with XXXX XXXX or LVNV Funding LLC . I wrote to them and told them the debt was not mine and asked for details or proof. They wrote back saying it was up to me to provide them with "... information detailing the nature of the inaccuracy along with any supporting documents to the following address ; Resurgent Capital Services XXXX. Attention : Correspondence Department, XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX. I called them and told them verbally ( XXXX time ) the debt was not mine and told them I can not give them any details because I do n't have any details or knowledge about this debt. Subsequently, they sent me written correspondence that my dispute of this account " appears to be duplicative '' and a notice that reads, " Please be advised that we will not continue to respond to duplicative requests for additional information. Should you desire to pay on this account, please contact us... '' The debt is not mine and I thought debt collection companies must provide proof of debt not just say they have verified it and not give you any information or detail? I wrote to them again asking for details and proof so I could present to my attorney to deal with them, but they say it is not up to them to provide details. They say it is up to me!? Please help.
Consumer complaint received 2015-09-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Summit Financial Corp. (FL)

I took out a loan with summit financial for a vehicle about 1 year ago. I never get a bill from them and have occasionally been less than 30 days late with my payment. I have always paid less than 30 days late. In XXXX I continued to run a little bit behind so I took an option for a XXXX time deferrment for a fee to get back on track as I was getting closer to 30 days late. I made my XXXX payment on time and when I was going to make my payment in XXXX on the XXXX two weeks late, I instead received a knock on my door to serve me a notice of which I thought it was repossession. Upon calling and speaking to a XXXX XXXX who was highly abusive to me, I asked to speak to a supervisor and was passed to a XXXX XXXX who then proceeded to be even more abusive saying I was a collection manager and should be ashamed that my bill was 17 days late. In the past I have made several complaints about a collection agent XXXX XXXX who has made repeated calls to my job despite requests not to call me at work. In fact she made no less than XXXX calls in a 1 hour period to my job back in XXXX. I was assured she would not be rep back in XXXX and I thought all was well. However, she emailed me and apparently dispatched a door knocker, who I mistakenly took for a repo agent. XXXX, XXXX XXXX, and XXXX XXXX have little to no regard for the Fair Debt Collection act and have been at best abusive. I have spoken to excellent professionals at this company before but these XXXX individuals are out of control and I would like it to stop. I have been assured by XXXX XXXX who is the VP of collections that my issues will be addressed. He was reasonable and stated his company 's position about the collection activity which while I disagree with using door knockers now understand is an action they chose to take. What I do n't understand and based on the fact that I have made several verbal complaints about these collection practices in the past is that the abuses continued as long as they have. I am hopeful XXXX XXXX is addressing this but I felt the level of abuse to protect other consumers needed to be reported. I have had some pleasant interactions with this company including XXXX XXXX himself, they do have professional competent bill collectors working for them but these few individuals are so far out of control I could not keep silent.
Consumer complaint received 2024-08-12
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. (TX)

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 u.s.c. 1681 Account Name... XXXX XXXX XXXX XXXX .... Account # XXXX Account name... 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 an account without my written instructions...

15 u.s.c 1681 C. ( A ) ( 5 ) section states : no consumer report 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-08-26
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (NY)

I experienced a potential identity theft which was made evident when I tried to file my Federal Income taxes electronically on XXXX XXXX, 2016. The IRS told me there was a duplicate submission for my SSN, and I had to follow an alternate filing process. I established a 90 day fraud alert with the XXXX credit bureaus per IRS instructions. I erroneously also added a credit freeze at Experian, which I am trying to remove. The problem is that I ca n't talk to anyone at Experian and they will only ; let me unfreeze the freeze by using their automated system and paying a fee. I read on their page that there is no fee, in my state ( NY ), if the person is a victim of identity theft. I have been trying to get in touch with them for over a week now ( via their web site and email ) and there is no response. It 's like they are a monolithic corporation. It 's not so much the dollar amount, but the principle of it. .... the law allows me to unfreeze my credit at no charge, yet Experian is making that virtually impossible. By the way, they provide no individualized email or phone customer service, from what I can see. Hopefully, I am wrong about that but, that, in itself, is alarming. What about people who have more serious problems? Thank you
Consumer complaint received 2016-06-15
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (OH)

XX/XX/XXXX- XXXX car loan for my spouse ( XXXX ) age XXXX since many yrs of hardship. Good income, job stability of 2yrs & cleaned up credit since XX/XX/XXXX bankruptcy filing which was paid off early. Dealer ran so many credit apps ( ding ) & ended with Ally car loan@11.95 % rate. Letter from Ally 3wks after having car that loan denied. Called Ally with being assured loan is ok. Payment of XXXX/mo & most is going to finance charges. Really??? 11.95 % interest. Scammers on minority people!
Consumer complaint received 2016-01-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is a XXXX XXXX item on my Transunion and XXXX credit reports listed as " charged off as bad debt '' and showing a balance of {$280.00} and past due of {$100.00}. This account went into default in 2000, date of last payment is XXXX XXXX, 2000. There has not been any activity on this account since 2000 which far exceeds the 7 year reporting period. I have disputed this account with both credit reporting agencies and both come back with no explanation except that it a valid account.
Consumer complaint received 2015-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following accounts below were deleted from my credit report ... 
XXXX XXXXI recently check my credit report and they have since then re-appeared. These need to be removed as the original dispute was valid and company was unable to furnish proof these were mine.
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion reported a XXXX tax lien on my credit report that does not exist. I contacted the source reported and they denied such a lien exist and wanted to know why did transunion report a lien that does not exist. After contacting transunion they deleted the lien but left my score unchanged my score was XXXX now its XXXX this is unacceptable not only is this a violation of fair credit reporting this has caused my auto loan refinance to stall and damage my credit for no reason. Contact with them has not fixed the problem and they also updated my address to one in XXXX. Legal action is my next step.
Consumer complaint received 2024-08-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

There are multiple accounts/inquires on my credit report that are not mine after multiple failed attempts to get them verified and receive information to do such I am left to attribute them to fraud or identity thief. Attached is my ID and a FTC report with all unauthorized and fraudulent accounts/inquires.
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. ()

Received my Equifax XXXX credit report and there was a credit card on my report that I did not apply for from XXXX. I called the fraud department of XXXX and they would not help me unless I agreed to a disclosure statement which I did not want to agree to. XXXX made several errors resulting in them issuing a credit card under my identity and would help me resolve it.
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

I have attempted multiple times to dispute negitive information reporting on my credit. Each time I have attempted to report it, Equifax has denied my request stating the information is accurate that the company is providing. I have contacted the company as well and attempted to resolve the matter. I have written a huge report provided to Equifax stating the information being reported is not only inaccurate but a blatent lie, I have sent proof of the inaccuracy/lie, proof of communication of the company refusing to speak with me and send ME proof that I owe the debt. Equifax continues to deny the legitmacy of my request. Not only has Equifax denied my request, the company has updated the information yet again, and made changes again proving they are lying about the information provided on my report.
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

Somehow its showing that I have an debt with a circuit court, but when I went down there to the court they stated that they dont know why these judgements are showing on my credit report. This judgement does not belong to me. Along with numerous inquiries and open accounts without my consent such as, XXXX and XXXX.