davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
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. (TX)

FCRA violations : not my inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX FM XXXX XXXX XXXX, TX XXXX Resident type Single family po box XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX box XXXX XXXX XXXX XXXX TX XXXX XXXX type Post office box XXXX XXXX FM XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Post XXXX box XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$91.00} Status Collection account. {$91.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$810.00} Status Collection account. {$810.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$10000.00} Status Collection account. {$10.00}, XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$12000.00} writte FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Open. 
XXXX OF XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Open.
Consumer complaint received 2023-08-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NJ)

Fay Servicing is the most XXXX  mortgage servicer out there. They have bought insurances on my behalf even after sending proof of coverage on numerous occasions. They have bought coverages that are not required in the state of NJ such as wind coverage therefore throwing off my escrow balances. After I called numerous times to resolve this they finally admitted wind coverage was a mistake on their end. With the addition of wind coverage this took my monthly payment from {$3500.00} to {$4500.00} per month. Even after I called and this was removed from my loan and on XX/XX/2023 they secured {$4500.00} payment instead of the {$3500.00}. Called in and spoke to a rep who said they cant do anything and to wait until XX/XX/XXXX until the original payment goes into effect. This isnt the only issue Ive had with Fay Servicing in the past. I have been told I am able to remove escrow services from my loan from a few reps then when requesting this to the servicer via email they refused and deny this. They should not be handling anyones escrow as they are making mistakes and costing me money as well as time to get this resolved because of their errors.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (KY)

I recently pulled my reports and noticed a company by the name LVNV FUNDING whom I have never opened an account with reporting inaccurate information on my credit report. There is an account with the SAME account number reporting TWICE on my credit profile. The open dates are not consistent, one says I opened the account XX/XX/2023, while the other says I opened the account XX/XX/2023. Because the account being reported by XXXX and XXXX are different, this means the account has not been properly verified.
Consumer complaint received 2016-08-15
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Wilson, Riley & Associates (FL)

Originally I received call from Wilson, Rilley, and Associates stating charges were pending against me in XXXX XXXX county and unless debt resolved I would be served by sheriff at my place of work or home. I made payment arrangements however the amount due of debt kept changing and when I requested record of payments it was more than originally advised. I later received call advising since a payment was declined they would have their attorney reinstate original charges against me and add additional charge of declining a charge over state lines. Later I receivea another voice mail claiming they were from County service and I wld be served at work for charge against me within 48 hours unless I contacted the plantiff.
Consumer complaint received 2022-10-23
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. (TX)

This is my 3rd and final attempt to get this 30 late payment removed from my credit profile or to remove the entire account completely. I have sent in multiple documents supporting my claim and nothing is being done. 

XXXX XXXX XXXX # XXXX During XXXX i was XXXX XXXX XXXX I went though treatments for weeks to get better. I reached out to XXXX XXXX and requested requesting deferred payment while i recover from covid. I was unable to work. They approved my request. Unfortunately it was not inputted in there system, and next thing you know i have a 30 day late. I immediately paid the past due amount once i got the notification. I have reached out to XXXX XXXX and they will not assist in removing XXXX XXXX 30 late payment. I have sent copies of my XXXX XXXX XXXX, testing result and treatment to Experian, XXXX, XXXX XXXX and XXXX. XXXX is the only one who has listened and has acted. They removed the entire account from my credit report. 

XXXX XXXX, Experian and XXXX has violated my rights and consumer laws. Per FCRA i have the right to an accurate Credit Report. If i do not get resolution of this i will seek professional representation to get this removed/resolved and will pursue fines and penalties to the fullest!!!
Consumer complaint received 2022-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

The following companies XXXX XXXX and XXXX XXXX has a closed credit card that is being reported on my credit report. I am requesting the two closed accounts be deleted as they were opened fraudulently and not by me. I have since added a fraud alert to credit bureaus to help prevent this from happening in the future.
Consumer complaint received 2024-04-29
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

My credit card is with XXXX XXXX ( Comenity bank ) My payment was XXXX days late. i.e the received it on XX/XX/year> instead of XX/XX/year>. I was hit with a late fee which I called and they took off. However I was not informed at the time that I will own {$2.00} finance charges on this late fee. Since I did not use this CC I did not check my statements. Now I am hit with {$130.00} late fee and interest stemming from the {$2.00} finance charge. I have called them multiple times asking to take some charge off it without any use. I have paid the full amount now but I want you to intervene and get part or all of this late fee reimbursed. 
Thanks
Consumer complaint received 2023-01-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Finance Company, Inc. (TX)

In XX/XX/XXXX, I received services at a medical provider, but I wasn't able to pay my bill because I am low-income. I had applied for financial aid from the medical provider, but couldn't receive approval for financial assistance because I couldn't provide proof of address, due to living with family. As a result in XX/XX/XXXX, my medical debt was assigned to a debt collector, Professional Finance Company. The debt collector never made any attempt to contact me before putting this on my credit report like they are supposed to, before this was placed on my report, I should have received a letter stating that the debt has been assigned to their company, and informing me of my rights. Towards the end of XX/XX/XXXX, I sent a letter to the debt collection agency asking for debt validation letter. It will probably take 30-45 days before I get anything back, but I am still going to file this complaint The original amounts of the services from the medical provider were {$1100.00} and {$700.00}. The debt collection company has been adding interest since it was assigned to them.
Consumer complaint received 2022-10-24
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. (NV)

I AM NOT A AUTHROIZED USER FOR THIS ACCOUNT THIS IS NOT OK PLEASE REMOVE {$5200.00} XXXX XXXX XXXX Current Last Updated : XX/XX/XXXX Credit Usage You're currently using 106 % of your credit limit. 

30 % ( Stay below ) 106 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Current Past Due Amount -- Highest Balance {$5600.00} Monthly Payment {$100.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms XXXX Remarks -- Creditor Name XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Is everything looking correct? 
If not, you can report an inaccuracy. 

Learn how to r
Consumer complaint received 2023-03-12
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. (IL)

In accordance to the Fair Credit Reporting Act, XXXX  account number XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-15
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. (IN)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2022-11-25
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, my name is XXXX XXXX XXXX and my correct address is XXXX XXXX XXXX  XXXX XXXX Florida XXXX. There are multiple credit bureaus reporting inaccurate information on my credit report.
Consumer complaint received 2023-02-25
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX violated my rights 15 U.S.C 1681 section 602 a States I have a right to privacy.

15 U.S.C 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-23
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX. XXXX, XXXX account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I called capital one and we came to a resolution ; however, it is still showing on my credit report with late payments. I called in XXXX and theyve agreed to correct the payment status for XXXX through XXXX of XXXX and a month of XXXX.
Consumer complaint received 2023-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (PA)

Fay Servicing LLLC has been taking advantage  of me and forcing me into foreclosure, They have recently withdrew my XX/XX/2023 payment from my account and now a few days later they sent me a later stating that I am behind on my mortgage, Please help me.
Consumer complaint received 2023-07-22
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX  Balance details 5 % paid off Balance {$32000.00} Balance updated XX/XX/XXXX Original balance {$34000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Installment account Payment summary No payment history available to display. 
Status Charged off as bad debt Status updated XX/XX/XXXX Past due amount {$32000.00} Original balance {$34000.00} Monthly payment - Additional info Responsibility Individual account Terms 75 Months XXXX sold - Original creditor - Comments Account information disputed by consumer Your statement - Contact info Address XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN XXXX  DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' " PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! 
I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 


RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 


It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital one is posting charge off since XXXX for one account then again in XXXX for credit cards I DID NOT OPEN. I sent letters asking for a 1089 c form or deletion since they charged these two accounts off or delete them from my credit report. Capital one should not keep sending to all credit bureaus that they have been charging these accounts off for over two years.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023 i walked into a chase branch asking for a bank statement when i noticed my balance over XXXX XXXX dollars I instructed the teller that i was not aware of the balance being so high and if she could give me more details as to deposits. This teller not doing her job correctly immediately contacted Chase fraud department and placed my account on hold pending investigation. What Chase has done is illegal and wrong morally and physically. 
I asked a simple question at the bank and the inexperience of the teller has lead to the hold of over XXXX XXXX dollars. 
Chase initially instructed me that the funds would be on hold for 5 business days after which they would send me a cashiers check. 
After 5 business days had passed they placed an additional hold of several weeks not providing a timeframe of when my funds will be released.Which is totally unacceptable.

They have not provided a justifiable reason for this hold other then a inexperienced teller.
Consumer complaint received 2022-12-06
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. (FL)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2022-10-23
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. (TN)

In accordance with the Fair Credit Reporting Account, XXXX XXXX, Account # 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 1666B : A creditor may not treat a payment late on a credit card account under an open end consumer credit plan as late for any purpose. 

My payment was made 7 days late ( due XX/XX/22, made XX/XX/22 ) for the last due amount and next months minimum payment. This is the only late payment on my account and was not due to financial hardship. I am more than capable of paying all future payments on time. This was a one time situation and it will not happen again.