davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
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. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2020-04-09
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. (CA)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
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. (NY)

XXXX XXXX ACCOUNT XXXX XXXX. ACCOUNT XXXX XXXX XXXX. ACCOUNT XXXX Regarding XXXX XXXX Transunion is reporting it as closed. Which is hurting my credit score. XXXX and XXXX are reporting it as paid. I was never delinquent with this account. Never late. It was a lease. I complete my XXXX yr lease. Returned the vehicle and moved on to another vehicle. Please remove the account or change the closed status. 
Regarding XXXX Transunion is reporting it as closed which is also hurting my credit score while XXXX and XXXX are reporting it as paid. The closed account status is hurting my credit report. Please correct it or stop reporting it negatively. 
Regarding XXXX XXXX Transunion is reporting it closed while XXXX and XXXX are reporting it paid. The closed account status is severely damaging my credit score. Please change status to paid or delete
Consumer complaint received 2022-03-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

Hello, I would like to lodge a complaint with the illogical and ultimately unfair system run by the three major credit monitoring companies. I would like to see a permanent and free system of locking/unlocking required of these companies, and, for there to be a guaranteed level of quality control.

The biggest two problems are with XXXX  and Equifax. Putting aside the massive data breach that Equifax is responsible for I find their current systems to be an undue burden on me, the citizen. I have had multiple attempts to apply for a credit card, thinking it would be a simply process as my credit history is clean and my scores are excellent but the efforts were stymied by the systems these two companies have in place. Specifically- Equifax 's website ( myequifax ) is unreliable and there have been occasions when I try to log in and it rejects me saying I need to contact them to proceed. This occurred two days ago. I gave it another shot today and it worked. Nothing I did was different and the website gave no notice of being serviced- it simply rejected my attempt to log in. 7 months ago I ran into a similar problem and I called their customer service. The first rep put me on hold and then hung up on me. The second rep was able to help me proceed with the freeze but only after I spent a good amount of time on hold and a great deal of energy explaining how it would be an undue burden for me to have to gather all my paperwork and mail it in to them to request my account being unfrozen being that their website guarantees this service and it is their fault the website wasn't working. With XXXX  I have had similar experiences except that their reps have been of no assistance and I am unable to freeze/unfreeze online despite the fact that all my information is correct and I have the original pin number I used to set up my account with them. My only option is to take my time to mail in a request to them, request my credit be unfrozen for a longer window than I am comfortable with, wait for confirmation, and then proceed with the financial transaction I originally intended to do. As XXXX  's IDNotify 's free year trial service ran out for me about 6 months ago I have no better option and am not going to pay them XXXX 's of dollars a year simply to have more control over my information. 

Ultimately I did not choose to have these companies monitor my credit and would prefer they did not have access to my personal information ( hello Equifax data breach! ) but being that I don't envision that changing I would request that you advocate for permanent, reliable, and free credit services for citizens like myself. Thank you for your time.
Consumer complaint received 2020-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (TX)

Collection company keeps putting erroneous and misleading information on my credit report. They keep taking it off and replacing it back on. I believe it to be criminal at this point and I am willing to travel anywhere for a deposition or court proceedings.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XX/XX/1973 SS # XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX GA XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report.

Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.
Consumer complaint received 2020-06-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Coast to Coast Financial Solutions, Inc. (CA)

I received debt letter from Coast To Coast Financial Solutions In XXXX XXXX which said I owed {$50.00} of XXXX XXXX XXXX, but XXXX XXXX XXXX never send me any bill! 

I tried to contact this company ( Coast To Coast ), but no one response me, untill XX/XX/2020 I contacted to XXXX XXXX XXXX and I paid FULL payment {$43.00} ( they give me some discount ) to XXXX XXXX XXXX on XX/XX/2020, but coast to coast financail solutions still charge me and they report to credit company decrease my credit score and I have a collection. 

I paid again {$51.00} to Coast To Coast Financial Solutions on XX/XX/2020 I paid twice because this bill. 

My Account # XXXX File # XXXX I use my chase credit card paid to XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX {$43.00} Paid {$51.00} plus {$5.00} ( fees ) to Coast To Coast Financial Solutions on XX/XX/2020 2020
Consumer complaint received 2020-06-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2020 I purchased a round trip ticket to XXXX in the amount of {$840.00}. Due to the coronavirus and border closure, my flights were cancelled. When this happened, the DOT had already released their notice to airlines/third party travel agencies that all refunds due to coronavirus cancellations must be processed in full and in cash. I attempted to contact the merchant ( XXXX ) first with no avail. Since I couldnt get ahold of the merchant, I proceeded to contact capital one to file a dispute. The dispute came back denied, so I again tried to reach out to the merchant. This time, I did get a hold of the merchant, only for them to blatantly not comply with the DOT notice, and actually be suggested to file a dispute with my card and a complaint with the DOT. I did both. I filed a complaint with the DOT and proceeded to appeal my dispute denial. With this appeal, I equipped Capital One with all necessary information including : a letter, proof of flight cancellations, and the DOT notice. My appeal came back denied as well because, VISA did not see an updated policy for refunding cancelled tickets due to COVID-19 on XXXX. I am now stuck with my money held hostage, and no one willing to help me out.
Consumer complaint received 2020-06-12
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. (GA)

EXPERIAN FAILED TO PROPERLY VALIDATE THE ACCOUNTS THAT WERE DISPUTED. ALL EXPERIAN DID WAS RUN THE DISPUTE THROUGH ITS E OSCAR SYSTEM AND SEND ME BACK AN UPDATED STATUS ON THE REPORT. AN UPDATED STATUS WAS NEVER ASKED. THEY WERE ASKED ON MANY OCCASIONS TO EITHER PROVIDE AN ORIGINAL INSTRUMENT OF INDEPTEDNESS IN ITS ORIGINAL FORM OR DELETE THE FALSE ACCOUNTS REPORTED ON ITS CREDIT REPORT. THEY NEVER DID ANY OF IT AND THEY JUST KEEP SENDING BACK A LETTER SAYING UPDATED. THIS HAS CAUSED ME TO NOT BE ABLE TO OBTAIN CREDIT.
Consumer complaint received 2020-04-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I previously sent Experian a dispute letter attached with a police report and a FTC identity theft report, letting them know that I was a victim of identity theft ... I also sent extra documentation to show Experian that I am who I say I am and those documents were as follows : the latest utility bill ( light bill ), my last pay check stub, proof of address and residency signed by Property Management, a copy of my driver 's license and Social Security card. After I sent Experian all these documentation to prove my address and that I am who I say I am they still tell me to send more proof but I sent them all the proof that's required so now I'm complaining after I sent my second letter in to them.
Consumer complaint received 2022-09-16
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-04-09
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. (IA)

On my Experian credit report there appears a late payment from XXXX in XX/XX/2019. I have previously disputed this account and provided proof in the form of a chat log from XXXX customer service that acknowledges that this account was never late. Experian ignored the proof that I sent in and according to them only did an automated dispute process and did not remove this late payment
Consumer complaint received 2020-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (TX)

Collection company keeps putting erroneous and misleading information on my credit report. They keep taking it off and replacing it back on. I believe it to be criminal at this point and I am willing to travel anywhere for a deposition or court proceedings.
Consumer complaint received 2020-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (GA)

I am Being told that I owe a debt for something that i have no recollection of. Not only that i was out of the country on the dates being charged, therefore i know for a fact It was not Me. A company by the name of XXXX XXXX XXXX XXXX XXXX Account number ( XXXX ) claiming the amount of XXXX $ is owed. This company not only has never sent me a bill, but the time line in and of itself is questionable. why would a two month old debt be sent to collections and futhermore, how can this company claim they are owed by someone whom wasn't even in the country at the time. This is simply a means of malicious and illegal tactics to get money out of unsuspecting people.
Consumer complaint received 2020-04-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN HONDA FINANCE CORP (PA)

i contacted honda financial about this loan and it has been 45 days or more with no response, i tried to get the account information verified but had no luck getting a response, they in turn have added a late payment on my credit report for a car/loan i am not associated with.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Once again, Transunion is providing fasle information and furnishing it on my credit report. This is the three times this week and seven time this month. totalling ten times have had to deal with this.

At this point, they are falsifying information about me and my next today is to file a suit against them to compensate me {$1100.00} for each they have provided me with this information. I also, want them to pay for my attorney and for the fee to hire a credit repai company to help handle this. 
The lender XXXX XXXX has confirmed my amount due but transunion has reported several times on their montioring website incorrect amount dues and its affecting my ability to get funding. They are reporting now XXXX before it was {$5000.00} and it should be {$290.00} dollars. I filed a complaint that it shoild if been {$2000.00} but that was XXXX bill but by the time they respond it is another amount. 
I filed several complaints and it seems that they close out a complaint before the comsumer has comfirmed what they said was done was actually done. 
Nonetheless, this is very stressful and time consuming and its cost more money to actually get results I have submiitted the credit report, the bank statement as well as circled what is in questioned.
Consumer complaint received 2022-03-01
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. (NY)

I, XXXX XXXX XXXX XXXX XXXX am a victim of identity theft. 

XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, and XXXX  XXXX have egregiously fraudulent accounts on my credit profile that need to be removed, immediately.
Consumer complaint received 2022-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX ( Original Creditor : XXXX XXXX XXXX ) {$660.00} XX/XX/XXXX Account # XXXX ..... 

XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) {$120.00} XX/XX/XXXX Account # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) {$190.00} XX/XX/XXXX Account # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) {$120.00} XX/XX/XXXX Account # XXXX US DEPT ED {$27000.00} XX/XX/XXXX Account # XXXX according to the LAW 15 USC 1292J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Consumer complaint received 2020-04-09
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. (IA)

I have previously disputed several items with TransUnion and submitted proof to them in the form of a chat log from the original creditor that an item ( XXXX ) has never been late. They have failed to remove this information. I have resubmitted the dispute with the proof attached and they do not have the item even marked as in a disputed status. When I called in and asked them why it was not marked as disputed, they said they have exactly 5 days to do that. Today is 6 days since I have filed the dispute and they have not updated the information. Besides the XXXX account, there were other accounts that I submitted with proof besides XXXX that TransUnion has failed to at least mark as disputed.
Consumer complaint received 2020-06-12
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. (FL)

I mailed dispute letters in XX/XX/2020 pointing out factual inaccuracies and differences reported between bureaus of the same accounts asking for deletion. After getting a response of updated or verified, I sent another letter in XX/XX/2020, pointed out inaccuracies again, asked for deletion and their method of verification and the documentation received from the original creditors to validate their reporting, which is inaccurate, and they did not provide specific verification information or any supporting documentation. I mailed another letter today, XX/XX/20 informing the bureaus to delete once again, noted the factual inaccuracies in reporting, and informed them I will be reporting to CFPB.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (NY)

I had a contract with XXXX XXXX XX/XX/XXXX and had lapsed on my payments. It was sent to Enhanced Recovery Systems ( ERC ) XX/XX/XXXX. The Amount that was sent to collections was {$340.00}. I had called them XX/XX/XXXX to resolve this collection and was given options as to what could be done. We agreed to Legally Pay in full for less than the full amount on XX/XX/XXXX with their agreement to remove themselves from my credit report. That never happened. I called several times within the past 11 months to ask them to remove themselves based on our agreement and they would tell me that i had to call XXXX XXXX to have them to call or send a letter to them ( ERC ) to have them remove themselves from my credit report. I did this. Every time i called XXXX they were unable to locate my account and had no record and that i would have to call them ( ERC ). After going back and fourth I tried reaching out to XXXX  to file a dispute last week. I called XXXX  today, XXXX, to check the status and XXXX  3 way called ERC and told me the same thing. I needed to call XXXX XXXX and have the send a letter or call them to be removed from my report. XXXX  told me to call XXXX and so I did. Unsuccessful again. they could not find me in their system nor in their old data bases. I was transferred to a senior specialist and was told he couldn't find me or remove it or call anyone or write any letters, and that i would have to wait for it to be removed on it's own with time. So i am here to have some assistance from you to help me get this removed from my credit report.
Consumer complaint received 2020-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV INC. (LA)

I didn't receive enough information to verify the debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could mail, fax, email in a fraudulent account.
Consumer complaint received 2018-01-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

The loan servicing company : XXXX XXXX XXXX XXXX has missed applied and or not applying monthly payments towards the principle balance. Several attempts have been made to encourage the loan servicer Ocwen to credit the mortgage correctly. The company has refused to work with me and I am out of options.