davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-30
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (LA)

Jefferson Capital System, Address, XXXX XXXX XXXX , XXXX XXXX, MN XXXX has been sending me collection notices in the about amount of {$4000.00}. XXXX XXXX, aaddress, XXXX  XXXX XXXX XXXX, XXXX, TX XXXX ( {$250.00} ). XXXX XXXX, address XXXX XXXX, XXXX TX, XXXX, ( {$710.00} ). The amount of theses collection has been reported past due. I do not know these companies. These companies do not have my signature.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a serious issue I discovered on my credit report, specifically related to a repossession that has been erroneously reported by Transunion. My account number on the credit report is XXXX. The reporting agency claims that I have a repossession from XXXX, yet I have not received proper notification about this debt as required by law. 

According to my understanding of consumer rights and fair debt collection practices, I should have been provided with certain notifications regarding this debt. These include but are not limited to : 1. Acceleration Notice : I should have been notified by XXXX that my debt was being accelerated due to non-payment or default. 
2. Opportunity to Cure Notice : Following the acceleration notice, I should have been given a reasonable opportunity to cure the default or make arrangements to resolve the debt before repossession action was taken. 
3. Post-Repossession Notice : After repossession, I should have been informed about the status of the account, any remaining balance, and my rights regarding the debt. 

Since I have not received any such notifications, I am requesting that Transunion and XXXX provide documented proof of the proper notification process. Specifically, I am requesting the certified receipt with my signature on it, demonstrating that I received the necessary notifications regarding this debt. 

Furthermore, I urge you to investigate this matter thoroughly and take appropriate action to rectify the misreporting on my credit report. I request that the account in question be promptly removed from my credit report, as my rights as a consumer have been violated due to the lack of proper notification. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your time and assistance in this important matter. 

Sincerely, XXXX XXXX email : XXXX phone : XXXX
Consumer complaint received 2021-01-01
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. (CO)

XXXX XXXX sent the credit reporting agency the banks copy of the canceled checks but there still show ever payment 90 days late
Consumer complaint received 2021-03-23
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. (NC)

This complaint comes forward as I am a victim of Identity Theft due to a data breach, I have tried to reach out to Transunion in regards to a dispute and the fraudulent accounts and benefits on my credit profile.
Consumer complaint received 2021-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Credit Management, Inc (MO)

According to Professional Credit Management XXXX XXXX  an account was opened in my name for non payment of medical debt on XXXX XXXX XXXX. Upon first contact with Professional Credit Management I informed them that I was making payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that no further correspondence should be made over phone. I explicitly informed them to direct any further correspondence via mail. This request was not followed and I continued to receive harassing phone calls. 

According to Medical Debt Relief Act of 2016 all credit reporting agencies are required " 180-day waiting period before medical debt will be reported on a consumer 's credit report and removing paid-off and settled medical debts from credit reports that have been fully paid or settled, to amend the Fair Debt Collection Practices Act by providing for a timetable for verification of medical debt and to increase the efficiency of credit markets with more perfect information, and for other purposes. '' I paid off the Medical debt prior to the 180-day waiting period and yet my account shows a paid collection account. Professional Credit Management has unlawfully affected my credit score resulting in denial for health insurance on the basis of unpaid medical debt.
Consumer complaint received 2021-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

The original creditor did not receive my insurance information from the emergency room which was provided. I was not aware of this and now it has been sent to collection and appearing on my credit report. I have contacted the original creditor, collection agency, and my health insurance company since XX/XX/2020 but this still has not been removed my credit report. 90 days is more than enough time to fix this issue. This is negatively impacting my credit and affecting our ability to purchase home.
Consumer complaint received 2021-08-30
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)

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2021-01-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I sent letters on XX/XX/XXXX and have not received a response. I have been disputing this for months with no response. I feel as tho I'm being taken advantage of. I DEMAND these accounts be deleted from my credit report immediately! Also, XXXX XXXX XXXX has not provided proper validation of these accounts! I attached what they sent and this is not validation of these accounts that they're reporting to Experian. They are supposed to send me a signed contract with my SIGNATURE! They're in violation! Experian is in violation as well. Also XXXX XXXX XXXX is reporting different amounts on these accounts to Experian and the letters they sent me say a TOTALLY DIFFERENT Amount! THIS IS A VIOLATION!!! Also, XXXX XXXX XXXX DID NOT send anything for 2 of the accounts. I never received anything for those. I have attached the letters and what is being reported to Experian. Experian is supposed to make sure that what is being reported is ACCURATE! PLEASE REMOVE ALL ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I have incorrect information listed on my credit report with this company. I have submitted multiple disputes and nothing has been resolved nor have they provided me with satisfactory documents to support these documents. I keep getting responses about credit repair I can not afford credit repair or anything like that to assist with this nor can I afford any lawyer to take this to court. I wish to file and address my complaint here going thru your site has not giving me any resolution so please do not ask that I file thru your site I have done all of that and made phone calls. I honestly dont know what else to do other than to keep filing complaints.
Consumer complaint received 2021-08-30
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (NY)

Hi, I purchased a Western Union money order at XXXX for {$100.00} on XX/XX/XXXX. The money was purchased for the DMV for my reinstatement fee. The money order was sent back uncashed. I followed the instructions to get the money back and agreed to pay their exorbitant fee of {$35.00} and sent the copy of the uncashed check. To date, Western Union has not responded. Please help me in anyway you can. I can be easily reached at XXXX, email. XXXX. My address is XXXX XXXX XXXX, XXXX XXXX, NY XXXX.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Google Compare Credit Cards Inc. (TX)

I have in the past few months been deactivated from XXXX, XXXX XXXX, google pay, an my XXXX account ( XXXX XXXX ) I have lost clients, transactions, behind this I have reported to all apps the issues I've been having I've been locked out of accounts from my bank XXXX mobile banking I'm going thru a dispute right now with my bank I can no longer use my XXXX MasterCard I've been kicked of my XXXX XXXX I have a open dispute going with XXXXXXXX, XXXX XXXX an XXXX XXXX XXXX I have transactions I can not access in my XXXX  account because of suspicious activity the poscess to dispute these accounts has caused me to lose a lot of funding for my new XXXX XXXX it's caused me to be late on my bill payments because I can not access my transactions customer service has giving me instructions to get back into my accounts an when I provide all the information I can it never gets resolved. I need to be able to get my accounts back open I have appointments stacking up an I need to work
Consumer complaint received 2021-01-02
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. (GA)

It is very simple I had a secured credit card with XXXX ( at that time XXXX ) that was opened in XX/XX/XXXX and it was closed in XX/XX/XXXX after I was unable to make the payments and had discovered a family member had been using it incorrectly, which I did not know for about three months. It was charged off sometime late XXXX or early XXXX, not sure of that exact date. 

Fast forward to XX/XX/XXXX, my Transunion ( only TU ) began reporting the account status as open out of nowhere, I have no clue why or what happened of course I then began a course of disputes with TU and arguing with them because I assumed maybe it was a glitch with there system, then after getting no where with them and every time XXXX confirming the accuracy of the reporting, I began hunting down who to contact at XXXX since I no longer had the full account number any longer or where to begin, finally I was able to get through on some 800 phone number and the rude agent reluctantly gave me my full account number and this email as the ONLY way to contact the dept that handles these matters, XXXX! I began communicating on XX/XX/XXXX and was assured it would be sent over to the dept that handles the credit reporting and fixed, I have contacted them multiple times and still no action/response, and of course you will see with the documents I attached they were careful to encrypt their responses so I am unable to supply copies of that! 

This account is reporting 4062 % credit usage on my XXXX, I am trying desperately to correct my irresponsibility and to carefully watch my credit on a go forward as to correct bad ways and improve my status '! 

CAN SOMEONE PLEASE HELP!
Consumer complaint received 2021-08-30
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. (TX)

Since XX/XX/2021 I have file 4 disputes with Transunion and 2 CFPB disputes with XXXX XXXX XXXX  no no avail. Transunion AND XXXX despite legal court documentation ( court dismissal with no money owed to XXXX XXXX  XXXX ) and attached providing rental history directly from the original creditor stating there is no money owed since XX/XX/XXXX to XX/XX/XXXX ( move out dates ) and a surety bond paid out to the original creditor, they decided to record to all credit bureaus since XXXX that I still owe money to XXXX XXXX XXXX. After multiple disputes to Transunion the continue to close and delete disputes as XXXX is providing valid information. This is my final attempt to both Transunion and XXXX to remove incorrect account information from my credit profiles. I have yet to receive any response from XXXX and Transunion refuses to acknowledge all legal documentation that goes against FCRA regulations.
Consumer complaint received 2022-09-24
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. (CA)

On XX/XX/2022 my personal information was used to open an account with " XXXX XXXX XXXX I don't know who stole my identity but I am certain I have not applied for this account myself. Therefore this account is fraudulent due to a fraudulent application under my name.
Consumer complaint received 2021-08-30
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. (TN)

XXXX  is showing three accounts that are not mine. I have filed fraud with them and out a fraud alert on my credit burea account. The three accounts that are fraud and not mine in my experian account are : 1. XXXX XXXX $ XXXX XXXX XXXX 2. XXXX XXXX XXXX {$450.00} 3. XXXX XXXX- {$500.00} These are fraudulent accounts that are not mine. 
Experian is showing the following fraudulent charges. 
1. XXXX XXXX {$500.00} 2. XXXX XXXX XXXX {$450.00} 3. XXXX XXXX XXXX- {$2100.00} XXXX  is showing the following fraudulent charges. 
1.LVNV XXXX- {$500.00}
Consumer complaint received 2021-08-30
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: World Acceptance Corporation (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

This is the third complaint I have had to file with the CFPB against Flagstar Mortgage Company. Two late fees in the amount of {$90.00} were assessed and were reversed. Flagstar agreed to reverse the late fees due to their error in placing a stop payment on funds they withheld from me from my insurance company to cover costs of major water damage. However, when I refinanced and Flagstar calculated my payoff, Flagstar applied the two late fees once again and charged me {$180.00}.

Due to the interest Flagstar charged me for my loan, the interest calculated at the same interest rate from withholding the {$39000.00} for six months should be reimbursed to me. Attached is a calculation of {$440.00}. 

The funds in my escrow account as of XX/XX/2021, at the time the loan was paid off was {$3000.00}. This needs to be refunded to me immediately. Flagstar is currently involved in a class action lawsuit regarding interest on escrow, further demonstrating the fraudulent practices of their company. 
http : //www.flagstar-interest-on-escrow-class-action.com
Consumer complaint received 2021-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I noticed on XX/XX/2021 that unauthorized charges were appearing on my transaction list and I called my credit card company and advised them. We identified transactions between the XXXX and XXXX that I did not do. During those dates I made one transaction in which I informed them of. About 45 days later I was sent a letter stating my dispute was denied. I then appealed the dispute and received another denial stating it was denied because I was either with the person who used it and or my pin was entered in which I have never used a pin for my credit card. This is definitely a valid fraud case that has not been investigated correctly. They day of me appealing the customer rep advise me because I had the card on my phones digital wallet they were not able to determine if the phone made the transaction or the physical card. The bulk of the charges show coming from another side of town that I dont live or go to.
Consumer complaint received 2021-01-02
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Last year, I purchased a used vehicle from XXXX XXXX in XXXX, NY. To finance the vehicle, I took out a loan theough the dealership. The dealership ran my credit through three different loan companies without my consent. When I asked why they sent a loan request through several companies without informing me first, the response I got was well its Saturday and I needed a customer service representative to set you up. All three of those credit checks were high impact. Those hard impacts later affected my credit. The dealership finally settled when they set up the loan through capital one. I was able to pay off this five-year loan in about six months because I came into some money and I wanted to make sure I didnt have too many outstanding debts, as I already have a lot of student loans as a teacher. I thought paying off this loan in full in a quicker amount of time would boost my credit. As a result of paying this off, my credit score dropped from XXXX down to XXXX. I have been struggling to raise this score even though I have been paying off all other loans in full and timely, as well as opening additional credit cards to raise my score. I do not think it is fair to penalize my credit score for paying off a loan IN FULL earlier because I was financially sound. I wish to file a grievance and have my credit score looked at and adjusted accordingly if possible. This is affecting my ability to get more credit and move into another residency because the score has dropped so significantly and will not rise no matter what I tried to do.
Consumer complaint received 2021-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (OR)

SPS On a previous complaint dismissed any delays of receipt of mortgage statement to mail delays. The Mortgage statement dated XX/XX/XXXX, which they stated on previous inquiries are mailed out same or next day, was not received until XX/XX/XXXX. This only allowed for 4 calendar days to receive a statement and send out payment by due date of XX/XX/XXXX. The timelines mean that the USPS is taking 13 days to deliver mail from this servicer. All other mailed statements from any other biller do not have this delayed timeline. I believe that SPS is delaying statements in order to increase the likelihood of late payments and increase their servicing profits. While I have not had any late payments due to their actions, their delayed statements are a violation of CFPB rules.
Consumer complaint received 2021-01-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent XXXX a letter on XX/XX/2020 in regards to inaccurate and unknown things on my credit report. I disputed this account with all 3 bureaus and it was DELETED from XXXX because they could not validate the information reported. So how is it that XXXX and Transunion can validate it, if all the information reported is supposed to be the same for all the bureaus? THIS IS A VIOLATION! My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. As well as another data breach. And please don't come back saying this is not me because it is IN FACT ME XXXX XXXX. This has been going on for way too long! : - (