davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Received notice today via XXXX XXXX that XXXX XXXX XXXX are showing on my credit report and shouldnt be. I do not recognize this account and dont have this account and is affecting my credit report. Per fair credit reporting agency, please remove inacc, invalid, or unverifiable information from my credit report.
Consumer complaint received 2020-08-16
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: Experian Information Solutions Inc. (IL)

Upon viewing my credit report today. XXXX a collection agency is reappearing after account was removed from my credit report due to unverifiable information, previously. As of today, XX/XX/2020, the account has reappeared. I have disputed with the credit bureau again today. This has and is hurting my credit, if this continues to happen.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

This is outrageous I just recieved a letter an i will attach all my proof that experian is refusing to correct my credit report stating that I need to submit my documenation as in proof WHEN I DID VIA REGISTERED MAIL WHICH THEY SIGNED FOR ON XX/XX/XXXX I HAVE THE RETURN CARD AS PROOF THIS IS ILLEGAL AN I WANT IT FIXED AN I WANT THIS DONE NOW!!! THIS IS A FEDERAL VIOLATION A DIRECT FEDERAL VIOLATION AN I AM GO TO SUE. IM SICK AN TIRED OF THESE GAMES
Consumer complaint received 2020-08-16
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. (CA)

This is outrageous I just recieved a letter an i will attach all my proof that XXXX is refusing to correct my credit report stating that I need to submit my documenation as in proof WHEN I DID VIA REGISTERED MAIL WHICH THEY SIGNED FOR ON XX/XX/XXXX I HAVE THE RETURN CARD AS PROOF THIS IS ILLEGAL AN I WANT IT FIXED AN I WANT THIS DONE NOW!!! THIS IS A FEDERAL VIOLATION A DIRECT FEDERAL VIOLATION AN I AM GO TO SUE. IM SICK AN TIRED OF THESE GAMES
Consumer complaint received 2020-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (WA)

I had an account with XXXX in which the amount was forgiven and the account was closed. Several years later received a phone call ( 2016 ) that Deville Asset Management bought XXXX and was now reopening my account and requesting funds. On four separate occasions I have spoken with this company on the phone and have requested an itemized breakdown of the account. I was told in XXXX that they would not provide an itemized breakdown because they already sent it and would not provide it in writing. Instead they tried to get me to log into a third party website in order to view my bill which was suspicious. The person I spoke with would not provide me any additional information.
Consumer complaint received 2022-11-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX OF XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-12-30
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. (OH)

XX/XX/20XXXX XXXX account # XXXX reported an inaccurate 30 day late payment on my account. This account is in good standing and the balance has been paid down tremendously. This Late payment is hindering me from getting credit approvals
Consumer complaint received 2020-08-16
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: EQUIFAX, INC. (MO)

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. I am a insert profession here and my credit is crucial to my ability to make a living. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I'm sure you'll agree it needs to be removed ASAP. 


The following information therefore needs to be verified and deleted from the report as soon as possible : I dispute : XXXX XXXXXXXX XXXX Not mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX Not mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXX Not Mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXX- Not mine Delete/remove from my credit file. 

I dispute : XXXX XXXX Not mine Delete/remove from my credit file. 

I dispute : XXXXXXXX XXXX XXXX-Not Mine Delete/remove from my credit file.
Consumer complaint received 2020-08-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Credit Plus Inc (FL)

On XX/XX/2020 My credit was accessed by a Credit Plus on behalf of an unknown mortgage company, I was trying to obtained a mortgage pre qualification, i have provided to them all the required documents and sensitive information, the mortgage broker responded via text message stating that i would be needing a co-signer in order to be qualified, no other information was given, i have made several request for them to provide me with written denial and reasons and none of those request have been met, i have reached out to them multiple times without success. They also informed that they did not pulled my credit report yet it remains as an inquiry on my report, please advised me in how to get this matter resolved.
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I was a victim of identity theft. Several accounts were opened and managed without my authorization. Once I was able to find out, I filed a police report, an identity theft affidavit, and several disputes explaining the situation, pursuant section 605 of the FCRA. In addition to that, I also submitted the same documents to these creditors to support my claim. Experian has failed to comply with section 611 of the FCRA by not properly investigating this account. I was a victim of identity theft, and I should n't have to be responsible for something I did not do.
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital one reported me as 30 days late for a XXXX XXXX payment which is the only late payment that I have ever been reported on in the 4 years I have had the card and I disagree with this reported late payment. I have not been receiving my bills through the mail on a regular basis every now and then i do revieve a bill in the mail .do to me not recieving my bill regularly have been calling and making phone payments through capital ones phone services. The recording indicated that my payment for XXXX was due on XX/XX/XXXX so I waited till XX/XX/XXXX to make a {$500.00} dollar payment to XX/XX/XXXX payment and XX/XX/XXXX payment ahead of time and remainder towards principle. By making it on XX/XX/XXXX I thought it would cover my next month payment which I have done in the past and the system has accepted both payments crediting both months.By me not getting my bills in the mail on a regular basis I have only been able to determine my cycle through what their customer service line supplies me with which is due date of the XXXX each month. I called to resolve this issue with them and was told I signed up for paperless which is not true. I do not use the Internet especially for credit cards or for payments which my account should show that all payments have been made over the phone. When I asked them the history of the loggin they could n't give me a date other then the initial date which they said was XX/XX/XXXX which I 'm positive I did not sign up for paperless. I 've have spoke to several supervisors and it seems they are reading notes of the previous person I 've spoke to and no one 's making efforts to rectify there error which has miss led me and subsequently has caused damage to my credit score which renders refinancing my house ineffective before this happened my credit score would have been able to get my refinancing done which would save me and my family thousands of dollars a year.
Consumer complaint received 2020-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NC)

An electronic payment of {$320.00} was transmitted to Barclay 's in the on XXXX by XXXX XXXX XXXX XXXX. Barclays '  repeatedly refuses to credit my acount and continues to try to charge me interest on the money it has already been paid. Proof was submitted verbally, and in writing over 5 times that the payment was made. Each time a contact is made, Barclay 's says it can not correct the problem because requested information is missing. I confirmed several times that Barclay 's has the information it requested. In several calls, reps refused to connect me with a supervisor. on XXXX XX/XX/2020, at XXXX I spoke to Supervisor XXXX ( XXXX XXXX ) who confirmed Barclays has the info, and has had it since XXXX. On XXXX XX/XX/2020, XXXX sent me the same letter, refusing to credit my account. 

There are at least two cases set up with Barclays to address this problem. The case numbers are XXXX and PYT XXXX I do not know if I am being discriminated against due to my status as a Senior citizen, or if this is a more widespread, business practice. 

I encourage the Federal government to initiate a broad investigation to determine if this a pattern and practice of Barclay 's. 

It is difficult to determine if this is outright fraud, or just monumental incompetence
Consumer complaint received 2020-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

My mortgage loan was sold from XXXX XXXX/ XXXX in XX/XX/XXXX to PHH mortgage ( part of OCWEN Financial ).  Since they took over the sub-servicing of my mortgage they have caused me two serious problems : 1 ) finding my XXXX Payment and applying to the new account ( this was resolved but took almost 2 months to do so ). 
2 ) Have caused me to be delinquent in my XXXX 2nd half real estate tax payment to my county treasurer because of their mismanagement of my escrow account. 
Per the 2nd issue I have been interacting with them since XX/XX/XXXX after receiving a delinquent tax notice from my County treasurer 's office on my home. I sent them a letter along with the original delinquency notice AS WELL as a copy of my official county tax notice to their Florida address as advised by one of their customer service people whom I spoke with on the phone. I did not have it sent certified but I did send it with a tracking notice to verify its delivery. Since then I have made multiple phone calls with their customer service people as well as my county treasure ( who as of XX/XX/XXXX has not received any correspondence or payment from them what so ever ).

The last I heard from PHH was on XXXX that they were going to have it resolved by XXXX and were going to call me to let me know they had finally tracked their supposed escrow payment and resolved it with my treasure 's office. I never heard from them on XXXX and I know my treasure 's office is closed because they only work 4-10 's M-TH of each week. 
I am absolutely flabbergasted and disgusted at the poor quality of service by this company. It should not take two months to resolve a mortgage payment or escrow account issue. I may have to go in and physically pay the tax and interest just to keep off the public record Tax Lien list which will be published in XXXX for my county!!! 
My escrow account is current and I have documentation that they claim they paid the XXXX half from XXXX on my escrow statement but XXXX XXXX does not have it per their records!! 
I have no confidence in this company and I am beginning to think that they are not above board in their business dealings. Its seems to me they are up to the same old mismanagement tricks from XXXX when they got caught by CFPB. 
I had no choice in them becoming my loan servicer/owner and it scares me that a perfectly good mortgagee who has always made their payments on time and works to have good credit can be subjected to this treatment. 
HELP!
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I will be XXXX years of age on my next birthday I tired of company reported incorrect information that affects my life for years. Company making money of my back, Im tired of this Experian just reported that I live at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Its a mobile home park, I never lived. Im tired of dealing with this XXXX. I tried to submit it dispute and it will not go throw. Its like Experian just patronize with company of means. 

Again I dont live at XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Consumer complaint received 2020-08-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IL)

On XX/XX/XXXX, I received a phone call from Harris & Harris for a debt collection based on a medical bill. This company has contacted me many times after asking them to provide me a validation letters to verified the accounts going back since XX/XX/XXXX. I have not received any responses from them only repeatable phone calls. They have ignored all of my letters in which I have included on this file. They continue to call. The first one I had to record was the phone call they made to me on XX/XX/XXXX in which they left me waiting for more than 35 minutes. They told me to hold for a supervisor and that is where they left me on hold for 35 minutes. I continued waiting and while I was waiting they will come back to answer the call with a push button to keep me on hold. Finally, a supervisor came on the line and was not aware I was waiting. After several letters to them they continue calling. I want these phone calls to stop! I have requested many validation letter to provide me with no responses.
Consumer complaint received 2020-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have disputed wrongful debts with Portfolio Recovery years at this point. They are attempting to collect an old debt they purchased that does not belong to me. They are wrongfully attempting to collect this debt and damaging my credit immensely. They need to remove the collections immediately.
Consumer complaint received 2020-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-16
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: Experian Information Solutions Inc. (KY)

I initially disputed errors on my credit report with Experian on XX/XX/XXXX. I received a response that the account was verified around XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX respectively ( see attached ). About XX/XX/XXXX I sent Experian letters requesting their method of Verification according to my rights as a consumer under : 1 ) FCRA 611 ( a ) ( 7 ) 2 ) FCRA 611 ( a ) ( 2 ) ( B ) As  you can see attached ( several reports ), Experian has failed to follow the law under the time allotted and I simply want these erroneous accounts removed permanently from my file. Please have Experian provide my a free copy of a new credit report showing these items have been removed. 

Regards, XXXX XXXX
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. XXXX  account # XXXX Late payment reported 30day late Please update the account as Paid/Current My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (GA)

On or about XX/XX/year> a check, see attached, was mailed to the bank to payoff the remaining balance. The bank received the check and cashed it on XX/XX/year>. 
Note their clear endorsement on the back of the check. The bank did not, however, credit my account for the amount of the check. The current balance shows as owing {$9900.00} and the card number isXXXX under the name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 
I have called the bank several times with no results. in fact, they acted like they just didn't give a hoot. The last time I was told it was up to my bank to get the matter resolved. My bank has already done EVERYTHING they can do. I was treated with disrespect and in the meanwhile, they are charging me an exorbitant rate of interest. I want the {$10000.00} applied to the account noted above and a rebate of the interest accrued after XX/XX/year>. I also think a personal apology would be in order.
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On ( XXXX  ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.