davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-26
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. (PA)

On XX/XX/2019 I was alerted to a negative change to my Transunion credit report resulting in a 91 point drop in my credit score. The negative report was that my balance on the XXXX XXXX XXXX Credit Card increased {$820.00}, but what Transunion isn't considering is that I transferred that balance from my XXXX Credit Card. It was just a transfer, there was no increase on my credit cards. Transunion also indicated a negative report on my credit due to an increase of {$39.00} on a XXXX Credit Card. Transunion isn't showing any of the payments I made on these credit cards in the last month of over {$300.00}. My credit score should never have dropped, it was just a transfer from one card to another and if my payments were shown correctly my credit score should be back above XXXX where it belongs.
Consumer complaint received 2019-12-26
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. (NY)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, EXPERIAN OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Consumer complaint received 2023-02-19
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)

Someone applied for a XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX card in my name and I have a Hard Inquiry on my Credit Report ( s ).

I spoke to TWO separate people on the phone with XXXX and they ASSURED me that they will take care of this. 

I spoke to a specific department that deals with this issues. I received a case number and was told " not to worry '' as they will investigate and remove the Hard Inquiry. Last lady I spoke to on the phone was very professional and knowledgeable- and she stated I will receive a confirmation letter in the mail stating that the issue has been taken care of however... 

Someone working in this department of XXXX XXXX XXXXXXXX had the audacity to send a letter stating this information is " correct ''. I guess I have to go to the local news .... 

I am in the process of repairing my credit and I would have never applied for a credit card, let alone an XXXX XXXXXXXX card when I live in florida. Also, the name that it was applied in is a format that I never use : " XXXX XXXX XXXX '' applying for credit cards. Case # XXXX with XXXX
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (PA)

XXXX XXXX of 2022, I had a late payment entered on my credit report. There was a discrepancy of me making the payment on time as I had for approximately the 10 plus years that I had the account. Before becoming an American Express Macys card, I had a regular Macys account. After speaking with customer service, I was told that they did see that I had logged in prior to the payment being due but we were unsure of why it continued to show that the payment wasnt made. I was then told that the account would be updated referencing that I had had an account in good standing for so many years. Since then, my account continues to reflect the late payment although since then, the account has been paid. I am requesting that the late payment be removed from my account
Consumer complaint received 2022-01-31
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-01-31
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. (CA)

XXXX XXXX XXXX is reporting an incorrect payment history to Experian. I got on a payment plan with XXXX  and they agreed to report my account to the bureaus as current as long as I am making my payments which I am. XXXX from XXXX emailed me this to confirm. Please see attached our email thread. I also attached a copy of how Experian is reporting this account. XXXX and XXXX are reporting correctly and Experian needs to do the same.
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

I have a collection on my Experian Credit report from XXXX XXXX XXXX XXXX, from XXXX XXXX XXXX from XX/XX/XXXX. This account appeared on my credit report in XX/XX/XXXX. I disputed it and it came back verified. So I called the company and spoke with someone named XXXX, I explained to her that I never had Progressive Auto before, she checked my file and stated her self that they did n't even have my date of birth on file, she then stated she was going to get in touch with Progressive and send me what they have on file for me. I received XXXX because there was nothing to send. I called EXPERIAN AND I asked them how are they verifying the information without any proof. They told me that they only send the dispute off and the collection agency either verifies or update, so I basically asked her so they are n't sending any proof just hitting verify and you all do not bother for them to send any proof. That is NOT how the FCRA works. Both companies are not following the guidelines of the FCRA. This account is not mines, no one is submitting proof, I do n't have a letter or anything and they just slapped it on my credit report. I am being going in circles trying to get this taken care of. EXPERIAN does n't care and XXXX just threw something on my credit report with validating or verifying or did not send me anything in the mail, and XXXX admitted not having my date of birth on file. Please help me in this matter.
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AK)

Experian reports a closed, unknown account XXXX XXXX based from XXXX as a charge-off every month ; effectively re-aging the account as new, every month. I live in XXXX. I disputed the accuracy of the XXXX wireless account and it still is reported charge off every month!
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (NJ)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rauch-Milliken International, Inc. (IL)

We are receiving collection calls and letters from Rauch-Milliken International , Inc. We don't owe the money. They are trying to collection based on XXXX XXXX - our utility company. We have called XXXX. We don't owe them any money and they have never turned us in for collections. 

We now have 2 collection accounts with them for different amounts. The address is correct but the company name is wrong and we have never used that company name.
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA (CA)

I received information in regards to a final bill being due for a large amount for an account opened for an apple credit card. The notices stated a payment was due by XXXX XXXX when I contacted the company in regards to the transactions they stated to file the identification scam online so they can obtain a copy of the report in order to close the account.
Consumer complaint received 2022-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BOK FINANCIAL CORP (LA)

I have submitted a loss mitigation application. I have not heard back from my lender well over the 30 days allowed by Regulation X. I had to reach out and was told on several occasions that it was in progress. I still have not heard from my lender.
Consumer complaint received 2019-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NJ)

We started our mortgage with Loan Depot in XX/XX/XXXX. There has been an outstanding property tax balance of {$520.00} ( plus interest now ) since XX/XX/XXXX. We have paid our mortgage on time every month and called Loan Depot almost weekly to see why they haven't processed the payment. It is now up for tax sale since they have no paid the balance ( they fully acknowledge they owe the payment and every week we are promised by 1-2 supervisors that the balance will be paid that now ). They are 4 months late and they keep promising the payment will go out today. We have received multiple tax sale notifications and they still have not paid the taxes.
Consumer complaint received 2022-01-31
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. (DE)

This is a clear pattern, every time I am close to reaching an 800-point credit score EXPERIAN finds a reason to drop my score for no valid reason! Experian dropped my credit score XXXX points when someone tried to steal my identity, another XXXX points when I complained to the CFPB, XXXX points when I paid off my debt and a zero percent usage percentage. And now after paying off a {$190000.00} mortgage Experian raised my score XXXX POINTS! I hope the CFPB can see that there is a problem with this XXXX company and takes action to do something!!!!
Consumer complaint received 2022-01-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: International Computer Systems, Inc. (TN)

This number keeps calling me repeatedly. They do not leave voicemails. With the amount of scams going on, I do not answer unknown numbers. This traces back to a debt collection agency. If this agency has a valid debt for me, Id prefer that they contact me about the debt via mail or email so that I can properly vet. Until then, I do not believe in answering from unknown numbers
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

My Synchrony has closed and lower credit limits for absolutely no reason over the past year. All of my accounts with them are/were in good standing. They have dramatically affected my credit score and my ability to get new credit. They have lowered my rooms to go, they lowered my XXXX  card twice. They closed my Lowes Card with a XXXX limit with XXXX  warning and it had a XXXX balance. There carelessness for an account holder who always made on time payments has caused drastic ripple effects in my life. Higher interest rates and now I cant get approved for anything. This bank is a predator!
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 credit bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-29
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: Quality Asset Recovery LLC (NY)

i went to check my XXXX XXXX  report as well as my free credit report monitoring sites and there are some fraudulent accounts on my credit that i would like to be removed immediately the following accounts are. 

1.XXXX XXXX XXXX in the amount of {$22000.00} 2XXXX XXXX in the amount of {$1100.00} 3.quality asset recovery L in the amount of {$1100.00} 4.XXXX XXXX  in the amount of {$1000.00}
Consumer complaint received 2019-12-26
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. (NV)

i called transunion on different occasions report that thay are reporting inaccurate information on my behalf told they thay are in violation of my right and inform of the violation that i will be take precautionary measures with fines
Consumer complaint received 2024-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion and XXXX violated the United States code Law ( TILA 15 U.S. Code 1666 ( 0 ) charge error ).

Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error.

( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that Was given to the debtor on a statement.

( 5 ) A computation error or other similar accounting error on a creditor 's statement.

I have disputed these errors repeatedly only to receive a verified or remains reply from TransUnion and XXXX. I have supplied proof and that proof has been attached to this complaint. The documentation reveals XXXX accounts with frivolous and inaccurate reportings. The information is not accurate and must be deleted immediately. TransUnion is deliberately violating the law and refusing to comply with the consumer reporting laws by not doing a proper investigation and continuing to report these inaccurate accounts.

The errors on all accounts show that the current balance is higher than the highest balance. The current balance cant be higher than the highest balance the account has ever had. Therefore the accounts are reporting inaccurately. The accounts also show 100 % on time payment history but also is reporting XXXX days late. An account cant be 100 % on time payments while having any late payments. These inaccurate accounts must be removed as the inaccurate reporting of these accounts on my credit reports are causing me to be denied funding for a home purchase.
Consumer complaint received 2017-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

Last year I tried contacting Navient to find out how to put all my student loans on hold, get them consolidated and to let them know my family and I are displaced. I also tried this year because we are displaced, I lost my job and even sent them a copy of the homeless verification letter and termination letter. They could not get back with me last year and could not give me proper information this year. I as trying to use my taxes to get a place to stay and now can not because they have taken them. I explained to Navient about me being displaced and wanting to get help months before and was not helped. I have been contacting a number of collection agencies that do not get back with you, are no longer involved or phone numbers do not work. Borrowers should not be held accountable, especially in extreme circumstance conditions where they are trying to reach out for help and who ever is trying to collect is not trying to be compliant by meeting the borrower half way. I am looking to file a grievance and have my income tax returned so we can find a stable place to live. When I contacted the company on the letter from the Department of Treasury, they had wrong and outdated information and they just recently got my file and I have been trying to rectify the situation before it came to them. The lady XXXX ( XXXX at XXXX ) gave me an option that would not even apply to me even after I gave her time frames of our hardship. There is no way, that no one knows what is going on with my loans and can not help me be on the repayment program but can assist with garnishing my tax return months later. Also, when I spoke to Navient I also gave them the correct information and if Navient or someone else decided to input the wrong information, that is not something I should be held accountable for since I already gave the correct information. I also have my current homeless verification letter from this year but do not currently have it in front of me to submit with this documentation. Please help us.
Consumer complaint received 2022-01-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (PA)

I had received an approval for a mortgage I stated I was interested in doing a new construction and was told they will work on. I sent plans proof of payment to the company as well as the company was also sending the loan officer information through emails. Along the process the mortgage specialist was not responding to emails period for weeks on end. When I did or was able we had an understanding that communication will be better to go through the assistance after months of not responding. I was told they needed documentation again I state ok what do you need. I sent emails to mortgage specialist as well as the assistance and no response. Construction company emailed called as well as myself no response. When I check my loan application it was closed without knowledge or communication to myself. No correspondence on why even when I asked, I tried to call no response the construction company tried to call no response either, they just disappeared with no communication to myself. I called their lines through customer service they sent messages no response.
Consumer complaint received 2019-12-26
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)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX   ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER FROM XXXX, XXXX  OR TRANSUNION,. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.