davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-11
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. (WI)

XXXX  and Transunion are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX partial account numbers XXXX. ( Please see page attached from my credit report showing the multiple accounts along with a spreadsheet for reference. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

As of XX/XX/2020 my Equifax score was a XXXX. On XX/XX/2020 that score dropped XXXX points to a XXXX. This drop was supposedly due to a credit limit decrease with XXXX XXXX from XXXX to XXXX. However at the time this credit limit decreased my credit balances decreased by {$860.00} ( itemized and listed below ) which should have been enough to sustain my score instead off causing it to do take a tremendous dive. Additionally, I received a credit limit increase of over {$4000.00} for my XXXX XXXX XXXX I have also received XXXX other credit limit increase and my score has still not gotten back to normal. 

When this incident occurs my Transition score was not affected and is still a XXXX. Please fix this reporting issue. 

XXXX decreased by {$240.00} XXXX XXXX XXXX decreased by {$65.00} XXXX XXXX XXXX XXXX  decreased by {$10.00} XXXX XXXX XXXX XXXXed by {$540.00}
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I AM FURIOUS WITH THE XXXX XXXX XXXXXXXX XXXX AND Bank of America! I HAVE BEEN TRYING TO RESOLVE MY ID THEFTI SSUE FOR THE PAST FEW MONTHS AND THEY ARE REFUSING TO HELP ME. I HAVE TRIED REACHING SEVERAL DIFFERENT DEPARTMENTS DIFFERENT SUPERVISORS AND MANAGERS, NO ONE KNOWS WHAT THEY ARE DOING, NO ONE IS HELPING OR GIVING ME ANY RESOLUTION. THEY REFUSE TO GIVE ME VIABLE EVIDENCE PURSUANT TO SECTION XXXX XXXX IN THE FAIR CREDIT REPORT ACT. I AM TIRED OF GOING BACK AND FORTH AND NOT GETTING ANY RESOLUTION. TELLING ME ADDRESS NAME SOCIAL AND BIRTHDAY MATCHES IS NOT VIABLE EVIDENCE, OBVIOUSLY IT MATCHES THATS WHY I AM A VICTIM OF IDENTITY THEFT. THEY HAVE NO SIGNATURES FROM ME GIVING APPROVAL OF THE OPENING OF THESE ACCOUNTS. I NEED YOUR HELP CFPB IN HELPING ME RESOLVE THIS ISSUE, I AM SICK AND TIRED OF DEALING WITH THESE COMPANIES WHO ARE ROBBING ME FROM MY PEACE. ITS BEEN TOOOO MANY MONTHS ALREADY. OH AND I WILL ALSO ADD THAT XXXX   REFUSES TO BLOCK ANY INFORMATION THAT IS REPORTED AS FRAUD PER WHAT THEIR SUPERVISOR SAID, SHE SAID THAT WE DO NOT FOLLOW FEDERAL LAW, WE HAVE OUR OWN RULES AND PROCEDURES, WE WILL INVESTIGATE FOR 30 DAYS. THEY DO NOT COMPLY TO THE RULES OF SECTION XXXX IN THE FCRA. AND SHE CLEARLY STATED XXXX  DOES NOT COMPLY WITH FEDERAL LAW, THEY FOLLOW THEIR OWN RULES AND REGULATIONS.
Consumer complaint received 2024-02-26
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. (NY)

I am a victim of Identity theft. I have been a victim since XXXX XXXX. The person has been using my name. I am calling them letting them know that I didn't apply for the credit card account multiple times and nothing was done. I've tried disputing it with all three credit bureau 's. Without letting me know any updates they did nothing. In addition to that XXXX  XXXX bank is sending mail to addresses I have never been associated with in my life regarding the fraud investigation. An address that was used to fraudulently open accounts and credit cards in my name. I spoke to XXXX ID # XXXX. I also spoke to XXXX ID # XXXX they were no help to me at all. They not only disclosed my information to strangers, but they also spoke to credit bureau 's and other third parties about my information whom i did not authorized to disclose to XXXX  XXXX. Can you please help me out I am in debt due to a third party using my name, and XXXX XXXX XXXX failing to properly verify things.
Consumer complaint received 2020-06-17
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: EQUIFAX, INC. (GA)

For more than two years, I have submitted documentation several times to Exuifax with information that substantially proves XXXX XXXX XXXX, in fact, did not close my loan, it was not included in my chapter XXXX and that I am still paying on this loan that began in XXXX of 2016. 

I was involved in Chapter XXXX, I am not a lawyer, my lawyer advised me that a reaffirmation was not needed, even though she used one for my home water softener and filtration system. ( see enclosed ) Since Chapter XXXX, XXXX  XXXX XXXX stop reporting my payments and I am not getting the benefit of ownership. My credit score is really bad considering I have not failed to pay monthly. 

The credit reports reflect that the loan is closed and was part of Chapter XXXX. I find this erroneous because the account number is the same since payment one, the same on the credit report, the same on monthly payments, escrow, Tax, and Interest statements, all communication sent by XXXX  XXXX XXXX. 

I am not a lawyer, she did not file one, however, this loan is not closed, every month payment is made. How does this company get to take my money, not report and I get no credit for owning a home, and my credit does not improve? 

The reaffirmation is an excuse not to report, in my loan modification I signed a promissory note to XXXX  XXXX XXXX to pay $ XXXX for the next thirty years and a second note for a balloon payment at the end of that for another XXXX and if all fails on my part they are guaranteed to get the house ; which is why I fail to see why it is necessary for this kind of retribution.
Consumer complaint received 2020-04-15
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: EQUIFAX, INC. (MO)

I've reported these fraudulent accounts with the proper channels, now im re directing it back to the credit reporting agencies with a demand to remove and block the following unauthorized and unknown accounts. Please remove these accounts immediately. 

1 ) XXXX  XXXX XXXX  XXXX XXXX 2 ) XXXX XXXX XXXX {$610.00} 3 ) XXXX  XXXX  XXXX {$68.00}
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

This company keeps intentionally reporting inaccurate information on my credit report. They keep changing the amounts and dates of the account. They have also manipulated the payment history. The company refuses to validate the debt which is violation of the FDCPA AND THE FCRA due to inaccurate information. They will not comply with the federal laws of the UNITED STATES
Consumer complaint received 2020-08-11
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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (VA)

The XXXX XXXX XXXX is a credit collection company that represent the American Express to collect an alleged account that was previously reported to American Express. A previous letter was sent out to American Express inquired viable evidence or documents that bears my signature that to provide accurate reporting. The alleged reported claim was first reported by American Express of {$7500.00} and now the XXXX took over this alleged claim and charged off {$1100.00} and that was negatively reflected on my credit reporting.
Consumer complaint received 2020-06-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

I applied for a refinance with AmeriSave Mortgage. They offered me a 2.25 % 5 years arm on a VA loan. After submitting all the required paperwork, they increased the arm interest by a half point to 2.75 %. This is obviously a bait and switch. The only reason the company gave after 10 weeks is that the product is no longer offered. Checking the reviews online, it looks like AmeriSave has a history of bait and switch in its past and I guess they haven't changed their crooked practices. My advice to anyone considering a loan from AmeriSave Mortgage is to run the other way. No matter how good the loan sounds, they will just change the terms after about 3 months.
Consumer complaint received 2024-02-26
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. (WI)

In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2020-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

My self XXXX and my wife moved from XXXX to XXXX in XXXX XXXX.before that we closed our bank account in XX/XX/2019 in BANK OF AMERICA.after from here my wife 's school ( XXXX UNIVERSITY ) gives her credit back that is {$1900.00} CAD, {$1900.00} CAD Total {$3800.00} CAD on Bank of america account , which Is already closed.XXXX  university processed the first refund on XX/XX/XXXX and the second on XX/XX/XXXX ( Moneris confirmation that the funds went through ( XXXX and XXXX ) .and bank of america is also saying that they don't received any money from anywhere from that closed bank account. 
Now both are saying that they don't have any money.Moneris is saying they sent and its went through and BOA is saying they don't received Any. 
So i need help in this case.i need my money back.
Consumer complaint received 2020-06-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Submitted a request for subordination to Huntington bank via XXXX overnight delivery, confirmed delivered on XXXX. Written and verbal turn time states 15 business days. It has well exceeded that time frame, by many weeks and the bank refuses to return my phone calls. I have called numerous times begging someone to call me and tell me what the status is, did they lose the paperwork? What is going on- they wont call back. They are holding me hostage from being able to refinance my first mortgage info a more affordable loan, this is unacceptable to refuse to communicate with me. My rate lock has been expired for weeks due to their refusal to cooperate and there is absolutely nothing I can do to refinance until they respond.
Consumer complaint received 2020-08-11
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 — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC (VA)

The Nationwide Credit Inc is a credit collection company that represent the XXXX XXXX to collect an alleged account that was previously reported to XXXX XXXX. A previous letter was sent out to XXXX XXXX inquired viable evidence or documents that bears my signature that to provide accurate reporting. The alleged reported claim was first reported by XXXX XXXX of {$7500.00} and now the NCI took over this alleged claim and charged off {$1100.00} and that was negatively reflected on my credit reporting.
Consumer complaint received 2018-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (MO)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Called me at XXXX on XX/XX/2018 Claiming that I owed {$110.00}. 
Is this " company '' a scam? 
I do not owe anything. I called the hospital, and my accounts are good. 

Offices in XXXX, XXXX, XXXX
Consumer complaint received 2020-08-11
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: Bread Financial Holdings, Inc. (WI)

I have a loan with XXXX, XXXX XXXX, and CB/VICSCRT. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX, XXXX, XXXX XXXX, and CB/VICSCRT with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-06-11
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. (CA)

I AM WRITING THIS COMPLAIN WITH XXXX   AND TRANSUNION, I HAVE TRIED SEVERAL TIMES TO REACH OUT TO THEM SENT THEM ALL NECESSARY DOCUMENTS, AND XXXX   TRANSUNION REFUSE TO REMOVE THE ACCOUNTS FROM MY CREDIT REPORT, I HAVE SUBMITTED MY FTC IDENTITY THEFT REPORT, THEY HAVE NO PROOF OR SIGNATURES THAT THESE ACCOUNTS BELONG TO ME, I AM A VICTIM OF IDENTITY THEFT, THEY BOTH ADVISED THAT THEY DO NOT COMPLY WITH FEDERAL REGULATION SECTION 605B IN THE FCRA. THEY STATED THEY HAVE THEIR OWN RULES AND PROCEDURES AND THEY DO NOT COMPLY WITH FEDERAL RULES AND REGULATIONS. SUBMITTING ACCURACY WITH NO VIABLE EVIDENCE DOES NOT CONSTITUTE THAT I AM THE OWNER OF THE ACCOUNT. I HAVE TRIED SEVERAL TIMES REACHING OUT TO THEM AND THE CREDITORS WHO ARE XXXX AND XXXX XXXX. I AM SICK AND TIRED OF REACHING OUT TO THEM AND BEING THROWN AND TRANSFERRED FROM ONE DEPARTMENT TO ANOTHER WITH NO FINAL RESOLUTION. I AM SO FUROUS AND FRUSTRATED AND DO NOT WISH TO DEAL WITH THEM ANYMORE, ITS ENOUGH TO SAY THAT THEY DONT COMPLY WITH FEDERAL RULES AND REGULATIONS THEY ONLY COMPLY WITH THEIR COMPANIES RULE AND PROCEDURES, AND I EXPLAINED TO THEM BEFORE YOUR COMPANIES RULES AND PROCEDURES YOU MUST COMPLY WITH THE FEDERAL RULES AND PROCEDURES. THIS IS HORRIFIC CUSTOMER SERVICE.
Consumer complaint received 2020-06-11
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. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2020-08-11
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: EQUIFAX, INC. (NJ)

I filed chapter XXXX bankruptcy XX/XX/XXXX, that included the vehicle being reported as charge off on my credit report. I was dismissed from the bankruptcy the same year XX/XX/XXXX. The creditor report show charge off dates that are different years XXXX & XXXX. The payment history on account was delinquent 180 days past due as XX/XX/XXXX throughout XX/XX/XXXX as it changes frequently 30, 60, 90 days past due. The account was declared dismissed / charge off as bad debt effective XXXX XXXX. After several attempts to clear this matter now 8 year and 7 month old account its unsuccessful. According to the Fair credit reporting act this account should of been removed after the date of the first delinquency or the date of my 7 to 10 years time last paid in bankruptcy. In the state of New Jersey its 6 years statue of limitation. I am 2 years and 7 months over. The creditor has change the information frequently when reporting to all 3 creditor agencies and I believe this is wrong creating me hardships at this time.
Consumer complaint received 2020-08-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aspen National Financial, Inc. (TX)

I own a XXXX timeshare at XXXX XXXX in XXXX XXXX   XXXX in PA. I have owned this timeshare for over 20 years. The annual maintenance fees have steadily risen and differ from year to year. I always pay my annual dues and have generally enjoyed traveling with my timeshare. This year I never received a bill for the timeshare maintenance fees. Instead I received a notice from a 3rd party collection company with an added fee of {$310.00}. I emailed XXXX and asked why I never received an invoice. The email reply from them advised me to call their office since their policy is not to discuss via email. When I called the XXXX office, they discovered that they had an old mailing address on file for me and that is why I did not receive the invoice. Note my XXXX address is the same address to which they sent the XXXX invoice the previous year - it has not changed. I asked XXXX to remove the {$310.00} collection fee ( since I never received the invoice ) and allow me to pay my bill. They said they could not and that I would need to call the XXXXXXXX XXXX and make the request to the general manager of the resort. When I called the XXXX XXXX I was told that they would not negate the {$310.00} fee and that I needed to settle everything thru the collections company, Aspen National Collections. I called Aspen and of course, they want me to pay them the timeshare maintenance fee plus the {$310.00} collection fee. I am asking for XXXX XXXX XXXX ( XXXX ) to pull this account from collections and allow me to pay my bill without penalty. This is an unfair practice to penalize me when I did not get a bill.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (GA)

LVNV Funding XXXX : This debt has been paid. Its reporting as open and has a balance. That is inaccurate. This information needs to be deleted due to the fact that I no longer owe this debt.