davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
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. (MD)

I was behind on my payment due being on temporary XXXX for a few months after a surgical procedure in XXXX. In XXXX I received a letter from XXXX XXXX XXXX XXXX with an offer to settle my account. I was able to acquire a debt consolidation loan from my bank. In XX/XX/2023 I paid the requested amount and the remaining balance was forgiven. I'm in the process of purchasing a home. My credit reports do not coincide with TransUnions report regarding the XXXX XXXX XXXX  The XXXX XXXX  account was paid and closed in XXXX on all 3 credit bureaus. However in XX/XX/2023 TransUnion accepted a file from XXXX XXXX XXXX  reporting my account over 90 days late and derogatory. My score has been going up and down like a roller coaster on TransUnion only. I believe they are accepting fraudulent information or they are reporting fraudulent information so that I will subscribe to their subscription services to monitor my credit reporting activities. I attached a letter from The XXXX XXXX XXXX. The letter reads - your XXXX XXXX account issued by the XXXX XXXX XXXX  above has been settled for less than the full balance. You may receive a final statement reflecting your settlement payments. However, please regard any minimum payment or balance due information as the remaining portion of your count balance as shown that the top of this letter has been forgiven. Sincerely, XXXX XXXX XXXX XXXX the XXXX XXXX account is issued by the XXXX XXXX XXXX and service by XXXX XXXX XXXX XXXX XXXX 

XX/XX/2023, XX/XX/2023, XX/XX/2023 reads NR No info reported. There shouldn't be any information reported after XXXX payment because it was closed. XXXXXXXX XXXX XXXX XXXX also known as the XXXX XXXX XXXX failed to report that the account was closed in XXXX, instead of reporting closed they didn't report anything ** except for XXXX when they reported that I was over 90 days past due.
Consumer complaint received 2023-02-15
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: DISCOVER BANK (MD)

There was was an over due balance in which i negotiated with there credit company and came in to a negotiation to have completely removed upon the the completion of the negotiatiated amount once i finished paying the agreed amount instead of removing from my credit report they put the closed account as a charge off.
Consumer complaint received 2015-12-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (VA)

My mortgage company, Nationstar Mortgage, is setup to direct bill/pay my insurance through my escrow account. For many years this has been happening without issue. Apparently in 2015 as of XXXX my insurance was canceled due to none payment. The insurance company issued Nationstar a cancellation letter indicating payment must be received by XXXX XXXX to avoid cancellation. Instead Nationstar submitted payment on XXXX XXXX. The insurance company returned the check to Nationstar on XXXX XXXX and Nationstar did not mail the check to me until XXXX XXXX. I called Nationstar today to find out why they mailed me this check, they said they had no idea, asked if there was a claim or an incident. I said no, then continued to say they have no idea and suggested I deposit it and return the money to my escrow account just in case. I then called the insurance company myself and discovered Nationstar paid late and therefore my policy was canceled. The insurance company had an old mailing address so they did not notify me, however Nationstar has my current information and they not only did not notify me, but they are unaware that my insurance was canceled 5 months ago. My insurance lapsed in XXXX and my mortgage company still has no idea in XXXX. I am actively pursuing a new policy now but I do not want to be responsible for the high cost of Lender placed insurance because Nationstar messed up, again. This is my second complaint with the CFPB and I can not emphasize enough how discouraged I am with Nationstar as my mortgage company, and I am often greatly dissatisfied with my service and customer support.
Consumer complaint received 2023-05-30
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: LEXISNEXIS (IL)

Want LexisNexis to stop reporting my credit report to the bureaus they are violating my rights as a consumer and if they dont stop I will take legal action against them. Also take all 4 bankruptcies off of my credit! I dont have to share any of my personal information with LexisNexis if I dont want to and I dont want to share any personal information with them.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have contacted Experian several times to remove a fraudulent mortgage account with XXXX XXXX from my credit report. Experian stated the account was verified as accurate and that it belongs to me. This information is incorrect, and I requested a method of verification from Experian and they still have not provided it to me as I requested.
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CO)

After reviewing an online promotion from CITIBANK that entailed receiving {$200.00} for opening a new account and depositing x amount of money for x amount of time, I opened an account with Citibank on XX/XX/XXXX. On XX/XX/XXXX I received an email that my debit card was on its way. I received my card shortly. On XX/XX/XXXX I received an email stating that I still need to make a deposit. I made my deposit for XXXX shortly after. On XX/XX/XXXX I activated my debit card. I tried to sign in to my account and couldnt sign in. I called Citibank and they mentioned a fraud alert. I was transferred to many different departments. 

After hours of being on the phone I was told that the account was going to be closed in 30 60 days and I would be mailed a check. I called back numerous times and no one took accountability and the issue has not been resolved. I requested a supervisor call back on numbers occasion and each time I was told someone would call me back but XXXX failed to call me back. 

I received a Citibank statement showing a withdrawal on XX/XX/XXXX for XXXX. I called Citibank on XX/XX/XXXX, and XXXX, a Citibank agent told me that a check was mailed on XX/XX/XXXX. Once I informed him the check wad not received he called a department to see if the check was cashed to issue a new check. After waiting minutes online XXXX informed me that a check was never mailed and it couldnt be mailed due to possible fraud. 

I was than told to call XXXX, which ive attempted to call several times and get a message that says, Thank you for calling citi the person you are attempting to reach is unavailable at this time. Please use an alternative method to reach this individual or try your call later. 

CITIBANK has fraudulently attempted ripped off several consumers according to online complaints regarding the same issue. Is Citibank, a bank, is so desperate for money that theyre ripping off consumers? They have been sitting on my money for close to 90 days now.
Consumer complaint received 2023-07-19
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. (MN)

Contacted Transunion to put a credit freeze on my report for a fraudulent hard inquiry at XXXX on XX/XX/23 we were unable to resolve the issue in a satisfactory manor. 
My credit report as illegally accessed by XXXX XXXX XXXX.
Consumer complaint received 2024-01-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (CT)

To Whom This May Concern : Please know that the timeline being shared below shows what occurred between me, the XXXX XXXX XXXX and the Genesis Credit Card company. The Genesis company has since gone out of business and the Concora Credit Card company has taken over. The current issue is now between me and the Concora company. 

A Brief Background... 
XXXX  : a couch was purchased at XXXX XXXX XXXX XXXX XXXX, for my aunt, who I am guardian of. Since I did not have enough money to pay for it, the salesperson introduced me to a Genesis Credit Card company rep, who was sitting at a desk at their store. I purchased the couch, for {$1900.00} and signed the Genesis contract. 

XXXX  : By this date, I had made a total of {$1700.00} payments, but noticed online, that my payments were no longer showing a decrease of the balance. So, I tried calling Genesis twice. The first time I called, the phone call was disconnected and the second time, the representative was not accurately able to respond to my inquiry. This is when and why I thought I needed to contact the XXXX. At this point, in black and white, I should have still owed XXXX XXXX XXXX XXXX for the couch, but my online account showed that I still owed {$1200.00}. 

XX/XX/XXXX : I learned through the XXXX that there was a date that I needed to pay in full for the couch by. While speaking with the representative in XXXX XXXX XXXX I was not told this. So, on this day, I agreed to pay {$470.00}, in order to close the account. Following this payment, I received an email from Genesis saying that I now owe {$510.00}. I read further into the contract, and learned that the maximum interest payment would be {$590.00} over a 10-year period of time. I had already paid an additional {$690.00}, still in XXXX  : I received an email from the Genesis credit company informing customers that they were switching their name to Concora credit company. I was offered another settlement, which I paid. I have been trying to increase my credit score and was notified that Concora made a complaint regarding lateness of payment, which has resulted in a decrease in my credit score. 
I can not take this stress much longer and that is why I've turned to you. I would greatly appreciate your guidance. Thank you very much, XXXX
Consumer complaint received 2024-04-02
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. (GA)

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort.
Consumer complaint received 2023-12-09
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: ALLY FINANCIAL INC. (GA)

I WANT TO GET ME AND MY CHILD A PLACE TO STAY AND I REALIZED THAT I HAVE DAMAGES ON MY CREDIT REPORT AND ACCORDING TO THE 15 U.S.C 1681 LAW THERE SHOULD NOT BE ANY FDAMAGES ON MY CREDIT REPORT THAT IS A DEFIMATION TO MY CHARACTER
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (NY)

In XX/XX/XXXX, I opened an Aspire Credit Card in an effort to rebuild my credit. My credit limit was {$350.00}. On XX/XX/XXXX - I accidentally made a payment in real time when I wanted to make a post dated payment of {$250.00}. I immediately called the credit card company who told me unfortunately because it was made through my debit card they can not cancel the payment & the payment was posted. Just to give some context in a 1 month span I made several payments to this credit card which includes 1 {$100.00} payment then 1 {$50.00} payment in edition to {$250.00}. I called the credit card company because I noticed my credit limit was over the limit and my credit card was closed on XX/XX/XXXX because of this. I was concerned immediately because I was told on XX/XX/XXXX when I accidentally made the real time payment that there would be no implications if the payment was posted. I never recieved a call, a letter, anything to notify me my account was closed. I asked to be refunded the payments and annual fee I was charged after my account was closed. Then to my dismay I see a {$540.00} charge on my bank account. I never set up auto pay and was charged this amount. Now I owe over {$800.00} I looked at my statement and under purchases I see over {$1000.00} which is impossible when the card has been closed since XX/XX/XXXX- I am being hit with hefty fees. I hope to open a mortgage later this year and this is a huge hinderance. I have 1 collection account on my credit which I have settled and waiting for my pay to delete letter to be processed. This is a major headache, I have read this credit card company is known to prey on people with bad to fair credit and its very unfortunate.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (CA)

On XXXX XXXX XXXX, I check my XXXX  After revising my credit report about late payments. 


On XX/XX/, I sent out letters to KickOff Lending to remove transactional history from their systems and other third parties. 

KICKOFF LENDING LLC ACCT : XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. 
Inaccurate Address : XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX ; Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Mailed letters on XX/XX/2023, XX/XX/2023 and XX/XX/2023 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately. 
Sincerely
Consumer complaint received 2023-06-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (NY)

I received a third party collections notice from CBE Group and I have never owed this company or the alleged creditor Charter Communications any money. CBE Group alleged I owed money from Charter Communications and they bought over the alleged debt. Neither CBE Group or Charter Communications can or has provided me with any form of a written and signed contract from me. I have had my credit stolen before and I am denying any knowledge of this debt. This in my opinion is a false claim to extract money from me and I demand this debt be erased from all credit bureaus. These companies have severely impacted all credit bureaus involving me and I demand it be removed immediately and permanently.
Consumer complaint received 2023-05-20
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: Bridgecrest Acceptance Corporation (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & No ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. XXXX  states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also statos a consumer reporting ageng can not furnish an account without my written Instructions.

16 U.B.C 1666B : A creditor may not treat a payment on a credit card account open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct Violation of several laws under The Fair Gredit Reporting Act
Consumer complaint received 2024-04-02
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: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX was order by the original creditor XXXX insurance on XX/XX/2022 to stop all collection activity with this account ... .the credit agencies are allowing them to report this on my reports ... as by law the XXXX XXXX XXXX never gave me a prior notice that they where reporting this to the agencies,,, reporting this item on my report is a collection activity
Consumer complaint received 2024-04-02
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 USC 1681.

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 2023-12-30
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. (NC)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX Balance : {$1100.00}.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to bring to your attention a matter of great concern related to what appears to be an ongoing and persistent issue of numerous attempts to remove fraudulent items from my credit report. Despite my previous efforts to rectify this situation, it is disconcerting to observe that unauthorized parties are making repeated and unauthorized attempts to alter my credit information. I have noticed and documented several instances where fraudulent items on my credit report have been subject to removal attempts without my authorization or validation. These unauthorized actions not only compromise the accuracy of my credit history but also raise serious questions about the security of my credit information. Despite the evident impact of these removal attempts, I have not been contacted by your agency for proper verification or authentication. The absence of thorough verification procedures is alarming and contributes to the ongoing vulnerability of my credit information. Given the persistent nature of these removal attempts, I am deeply concerned about the heightened risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a comprehensive investigation to prevent further unauthorized alterations to my credit report. I formally request that your agency conducts an immediate and thorough investigation into these incidents. Additionally, I seek regular updates on the progress of the investigation, along with detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. To assist in your investigation, I have attached relevant documents. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX