davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I purchased a used vehicle in XXXX. I financed it with XXXX. In XXXX I sold the vehicle to a guy who wasn't able to get financing so I carried the note for him. He defaulted in XXXX and I wasn't able to make the additional payments. There was a little over {$3000.00} left owed on the truck. 11 years later and XXXX continues to change the dates on the account and continue to report the debt on my report. I have gone through every option available to get them to remove the debt, but they refuse. I don't have a copy of the loan documents so I haven't been able to prove the dates. I have requested a copy of the original loan document and XXXX doesn't respond. They are now showing the account as being opened in XXXX of XXXX. That is incorrect. I have since rebuilt my credit and got back on track. However, I'm limited because XXXX is reporting far beyond the 7 year reporting time.
Consumer complaint received 2023-05-27
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-27
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. (MA)

I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Despite my initial communication, TransUnion has not responded, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : The information indicating a late payment for the accounts XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$26.00} ) is incorrect. I request TransUnion to correct this inaccurate information on my credit report. 

The accounts XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$680.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$600.00}, Original Creditor : XXXX  do not belong to me. I request TransUnion to remove them from my credit report.
Consumer complaint received 2020-06-15
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: U.S. BANCORP (FL)

My debt was settled through XXXX XXXX XXXX The total balance was {$8200.00} and was settled at {$4700.00} which was paid off XX/XX/XXXX. I called XXXX XXXX XXXX and mad the. Aware that on my credit report US bank states I still have a balance of {$4700.00}. I also contacted US bank on XX/XX/XXXX and received a letter that has at the top current balance {$4700.00}. In the body of the letter it states that the account was settled for less than the current amount and several phone calls I have been told I currently owe {$0.00}. If I owe {$0.00} then how do I have a current balance of {$4700.00}. I also disputed it through all 3 credit agencies. At this point XXXX  finished the investigation and said US bank information is accurate. I had for other accounts through XXXX XXXX XXXX   and have paid all of my accounts and US bank is the only account stating I have a balance. Having a balance implies I owe them money when they made a settlement for a lesser value and is paid off. Thank tou
Consumer complaint received 2020-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ascendium Education Group (FL)

Ascendium never contacted me at my current address which I have had over 10 years. I was informed by the Attorney General to submit the complaint. Ascendium Education is reporting 16 debts from previous creditors from student loans. I attached their response which confirms that they are falsifying dates to keep on my credit reports. All of my loans exceed 7-10 years, however they are reporting the opening dates of the the obsolete accounts as XX/XX/2016. Then they are reporting the payment history as the payment history starting in XXXX, 2016. It is against the law for a collection agency not to report the same opening and payment history of the original creditor. Even if the credit collection company reports the opening date in which they receive the defaulted account to the credit bureaus, it is against the law for them to report a payment history that is not the same as the original creditor. Ascendium should know that negative re-aging debt on credit reports is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is. Negative re-aging is illegal and, if it occurs, you are in violation of the Fair Credit Reporting Act. Some collectors do this intentionally. Collection accounts may be reported for seven years from the date that the party first fell behind with the  original creditor. Thats true regardless of whether the account is paid, unpaid or settled in the meantime. If a collection agency re-ages the original date of delinquency, it is likely breaking the law, and the consumer should contact the Consumer Financial Protection Bureau and/or a consumer law attorney. I have attached my credit report so that you can see that Ascendium has changed the original date of the loans as well as they have changed the payment history. I also attached a copy of the letter from Ascendium and it supports that Ascedium is  reporting false information to keep on my credit reports. If they do not remove this false data immediately, I will be forced to sue the organization. Please take note of the dates in which Ascendium is stating, the dates of the obsolete student loans, the dates reflect that I have had all of the loans exceeding 7-10 years which support they are outdated and should not be reporting as recent student loans as Ascendium is falsely reporting. I informed the loan holders numerous years ago that I am XXXX and I have been for numerous years and informed them of such,
Consumer complaint received 2020-04-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

My complaint is with Specialzed Loan Servicing, LLC. I had difficulty paying my mortgage with this company prior to them giving me a loan modification. Even though they later approved a loan modification for me, they did not remove my prior late payments from my credit report. After I got the loan modification, they stated that I have to pay a huge balloon payment on the loan in the future. I have tried to refinance my loan but can't get one because Specialized Loan Servicing still has those late payments on my credit report and it has already been many years since I've been late. I need to refinance my loan because I won't be able to pay the balloon payment but my credit score can't increase because of the mortgage company not removing those late payments. Please ask them to remove all of those late payments from my credit report so my credit score will go up so I can refinance my mortgage. Thank you.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/year> I paid my Capital One credit card off in full. The amount I paid was {$5100.00} I called before I made my payment so I could get the right amount. And that's what I paid. 
After the payment posted it showed I owed no money. On XX/XX/year> I received a statement and it said I owe {$75.00}. 
I called and talked to XXXX on XX/XX/year> at XXXX p.m. He said this {$75.00} is the interest from XXXX XXXX. I asked to speak to a supervisor. 
So XXXX took my call and said he was the supervisor. He said the same thing, it was interest from XXXX XXXX. 
If I made my payment on XXXX XXXX then the interest from XX/XX/XXXX XXXX should be included in that payment I just made of {$5100.00} Because the next interest charge would come on XXXX XXXX. But the bill is paid in full already. 
And the supervisor named XXXX said he was not taking it off. I feel that Capital One is trying to fraud me out of money I do not owe.
Consumer complaint received 2020-08-04
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (OH)

I filed chapter XXXX bankruptcy on XX/XX/2019 and in XXXX I signed the reaffirmation papers with my attorney who provided them to M & T Bank. I was told by a bankruptcy specialist that once my reaffirmation papers were received that my account would be updated and my credit report will update showing my mortgage and the balance. My bankruptcy discharged in XXXX  and in XXXX   my mortgage account with M & T Bank was showing as active along with the balance I owed at the time. A couple days later my credit report was updated again stating paid in full. I called M & T and was told that it was an error and would be fixed. A month later in XXXX it was reporting an open mortgage again but has never reported the balance. Ive called several times since then and no one has helped me correct this. I was told I would get callbacks and no one ever called me.
Consumer complaint received 2020-06-15
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. (FL)

i have written lets to the credit bureaus and they will not delete unverified accounts. this has been an ongoing issue for several months and they do not want to follow FCRA rules. they have been unable to verify accounts that are being reported. and so they must delete but have not done so.
Consumer complaint received 2022-12-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (MD)

I attempted to inquire about my rights under the FDCPA, as debt charged off to a debt collector could be construed as an unwarranted search or seizure ; the debt collector did not particularly identify what type of debt it was. 

The information I got was not helpful in resolving the debt.
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 belongs to someone else
Company: EQUIFAX, INC. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$910.00} ; XXXX XX/XX/2021.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i have written lets to the credit bureaus and they will not delete unverified accounts. this has been an ongoing issue for several months and they do not want to follow FCRA rules. they have been unable to verify accounts that are being reported. and so they must delete but have not done so.
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 — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (TX)

I purchased a used vehicle in XXXX. I financed it with Santander. In XXXX I sold the vehicle to a guy who wasn't able to get financing so I carried the note for him. He defaulted in XXXX and I wasn't able to make the additional payments. There was a little over {$3000.00} left owed on the truck. 11 years later and Santander continues to change the dates on the account and continue to report the debt on my report. I have gone through every option available to get them to remove the debt, but they refuse. I don't have a copy of the loan documents so I haven't been able to prove the dates. I have requested a copy of the original loan document and Santander doesn't respond. They are now showing the account as being opened in XXXX of XXXX. That is incorrect. I have since rebuilt my credit and got back on track. However, I'm limited because Santander is reporting far beyond the 7 year reporting time.
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (CA)

I have 2 credit inquiries from this company that i did not authorize. The dates of these inquiries are XXXX XXXX, 2019 and XX/XX/2019. I have no idea what this company is and why they ran my credit.
Consumer complaint received 2020-06-15
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (MA)

I am wiring to complain Chase did not fulfill its promotion agreement with its customer and chase unilaterally doubled its requested deposit period time from 90 days to 180 days. Although Chase bank advertises that whoever opens an account with a deposit of XXXX dollar and keep that XXXX balance for 90 days would receive a XXXX dollar credit in XXXX   XXXX. However, in real practice, chase changed it from 90 days to 180 days. During that 180 days, I received almost 0 % of interest rate for my XXXX deposit at Chase saving account. Chase unilaterally doubled its requested deposit period time which costs loss on my other potential investment opportunity. 
Because of Chase internal system and departments communication and connection issues, as a client I had to spend tons of my personal time to visit, emails and calls to sort out the internal issue in chase. That caused a lot of stress, energy and my time loss. 
Chase doubled the requested time unilaterally caused me loss other potential investment income thus chase needs to compensate me for the another bonus credit. 
Chases practice also caused me tremendous stress and time loss which chase also needs to compensate me. 
As an individual I dont have the finance and legal resource as chase who is a big corporation does. However, it is not fair for chase to take advantage of individual client who dont have such a resource as chase and to punish client because of chases own internal issue. 
I am here to ask Chase to compensate me for {$1000.00} as above loss which I did not count any compensation for my stress and time loss. 
Thank you for your attention to the issue. 
XXXX XXXX
Consumer complaint received 2020-06-15
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. (MA)

TransUnion is reporting a missed payment for XXXX XXXX in XX/XX/2018. I did not have and account with XXXX XXXX in XX/XX/2018. Therefore I could not have missed a payment with a company that I did not have and account with in XX/XX/2018.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TN)

I received a letter from Department Stores National Bank dated XX/XX/19 that a refund check in the amount of {$43.00} was issued to me and remained uncashed. The refund check was supposedly dated XXXXhowever, I never received such a check. As a result, I contacted Department Stores National Bank and spoke with XXXX ( I.D. # XXXX ). She seemed confused as to how to handle my issue, but after several minutes holding she returned to the line and reassured me that this check would be reissued-however, I have not received the check and have been unable to contact the business since that time. I am requesting that Department Stores National Bank reissue my refund check and forward it to my address immediately.
Consumer complaint received 2023-01-06
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. (NC)

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 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.
Consumer complaint received 2020-06-15
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. (MA)

TransUnion is reporting a missed payment for XXXX XXXX in XX/XX/2018. I did not have and account with XXXX XXXX in XX/XX/2018. Therefore I could not have missed a payment with a company that I did not have and account with in XX/XX/2018.
Consumer complaint received 2016-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

Since XXXX XXXX, XXXX I have repeatedly asked Equifax , XXXX, and XXXX to remove an item on my credit report that was caused by an authorized user back in XXXX. The above agencies keep telling me that the reporting is accurate and refuse to remove XXXX XXXX XXXX account number XXXX as an item that does not belong to me. 
On XXXX XXXX, XXXX I contacted XXXX XXXX XXXX and asked them as a Good Will gesture to remove this item so that I could purchase a car. 
I received a letter from XXXX XXXX XXXX asking me to call them. I called them this morning, XXXX XXXX, XXXX and spoke to XXXX then manager XXXX at XXXX. I was told that they had to accurately report MY credit and that they could not remove said item from XXXX, XXXX or Equifax. I quote to them that they were in violation of Section 1681n and Section 1681o of the Fair Credit Reporting Act. ( This is not my account ). 

I was refused a good will gesture because I was the primary on another account that was linked to this card. I was never on this bank card and should not be penalized for something that I did not do. I am including copy of that letter, copy of credit bureau update, and copy of my fourth letter to all agencies asking them to remove said item from all three agencies.
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

XXXX billed my old card and I recently moved from XXXX to XXXX and they never got into with me to let me know that my final bill was in collections. Now I 'm recently in the middle of a mortgage loan and they advise me that XXXX was on my credit report so I called and paid the final bill, they will not remove it from my credit and I owe them nothing now. I also requested a XXXX balance letter and I have not received it yet. This is a big issue and they will not resolve it.
Consumer complaint received 2023-01-06
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. (NC)

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 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.