davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
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. (IL)

I have reached out to XXXX XXXX XXXX numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of with XXXX being XXXX of them however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. I have never bought a car with this company ever.
Consumer complaint received 2021-12-27
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX shows my Capital One credit card ending in XXXX as closed, when in fact it is not nor never has been closed. This started on XX/XX/21. I have filed XXXX separate disputes with XXXX XX/XX/21, XX/XX/21 and XX/XX/21 only to be told every time that the account is closed showing transferred/sold. When Capital One is contacted by myself, they confirm that the account is open and in good standing. They both point the finger at each other and NO ONE is willing to help. XXXX 's credit report is correct and shows my Capital One credit care as active.
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

XXXX XXXX I joined XXXX on a month to month contract. 
XXXX XXXX I sent via certified mail membership cancellation -pd. final month, {$25.00} canc fee, & returned membership card. 
XXXX XXXX received charge from XXXX XXXX. Sent letter reiterating above info. Also, in between my cancellation and this date XXXX CLOSED ( went bankrupt? )! I assume they sold their gym to XXXX, as I began receiving bills from them threatening collections! ( I NEVER was a member of XXXX ). 
XXXX XXXX faxed dispute to XXXX with all docs. Spoke with customer service who informed me this would be removed- incorrect charge. 
XXXX XXXX recd. notice from collection agency XXXX XXXX for XXXX. I called and spoke with rep. who told me this would be removed immediately! I also sent via registered mail copy of all docs. 
As far as I knew this was being considered a fraudulent charge and was resolved/closed. 
XXXX XXXX recd. letter from XXXX XXXX XXXX from XXXX - provided registered docs that not only was this incorrect - but also fraud. 
I had cancelled a membership with a club that went bankrupt/closed. They sold their facility to another gym. Who FALSELY and FRAUDULENTLY began billing me through XXXX XXXX and sending incorrect info. to credit agencies. 
This incorrect/fraudulent/closed account is still being reported on my credit report! I would like it removed and resolved immediately! Thank you. 
I believe that both XXXX and XXXX are directly responsible for all of the above mistakes! 

( ( PLEASE DO NOT INCLUDE MY SUPPORTING DOCS AS THEY HAVE PERSONAL INFO. HOWEVER, I AM FINE TO SHARE THE SUMMARY ABOVE SO OTHERS CAN LEARN ABOUT PROBLEMS WITH BOTH XXXX AND XXXX! THANK YOU ) )
Consumer complaint received 2016-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

Equifax has failed to provide me with documents bearing my signature for a chapter XXXX bankruptcy which is shown on my credit report. I have initiated XXXX good will letters and they still have failed to provide me with documentation with my signature. Under FCRA law they must remove it from my credit report.
Consumer complaint received 2022-10-04
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Experian to verify the disputed items and remove them if unable to prove that the Items are mine. Experian is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged account. 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! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The inaccurate personal informations listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to the credit bureaus. The reality that these informations continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate informations listed below as a result. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/2019
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

The inaccurate personal informations listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to the credit bureaus. The reality that these informations continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate informations listed below as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Date Updated : XX/XX/2019
Consumer complaint received 2022-10-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

Colorado Housing and Finance is withdrawing money from my escrow account based on false claims of my lack of insurance. 

It began on XX/XX/XXXX, when I received a notice by mail that hazard insurance was purchased for {$2200.00} on my behalf due to a lapse in coverage. I immediately remedied the issue by purchasing a new policy and submitting those documents directly to XXXX  on XX/XX/XXXX. They, in turn, claimed that they had no evidence of my insurance coverage from XX/XX/XXXX, when I purchased my home, through XX/XX/XXXX when the policy ended. So I then submitted that to them as well. 

I was assured by phone that they received the documents and were in fact viewing them, and that I should expect a new escrow analysis to include refund for any unused hazard insurance. However this never occurred, and I have been playing tag with XXXX   ever since XX/XX/XXXX. 

Now it appears that they are very angry with me for filing a formal complaint with you. I can tell because on the same date they responded to this initial complaint, they sent me a letter on XX/XX/XXXX demanding proof of insurance or they will immediately purchase hazard insurance and charge me for it. 

I am attaching this latest communication from XXXX, as well as proof of coverage here in hopes of clearing this up once and for all.
Consumer complaint received 2023-01-14
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. (MN)

On XXXX XXXX, 2022, the XXXX account was disputed with XXXX. On XXXX/XXXX/2022, EXPERIAN was notified of the errant account on the credit report and was asked to remove it. EXPERIAN was provided a copy of the letter that had been sent to XXXX. On XXXX XXXX2022, EXPERIAN was again notified with concerns about the validity and accuracy of their investigation and specific explanations were requested, all of which were disregarded. As of today, XXXX/XXXX/2022, the XXXX account continues to be reported by EXPERIAN, in error, and in violation of the Fair Debt Reporting Act. This has already caused severe harm and continues to cause severe harm to me. Copies of letters, credit report, and highlighted errors have been attached.
Consumer complaint received 2022-10-04
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bankruptcy XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-04
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b XXXX  and TransUnion are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XX/XX/XXXX ; According to FCRA Section 605B ( a ) the XXXX and TransUnion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I have two credit card with Commenity bank. They have decided to stop reporting to credit bureaus in XXXX. This means that XXXX through today XX/XX/XXXX they have not reported my balance or on time payments. Its showing my credit usage at 71 % and 62 % still after 5 months. I reached out to commenity XXXX and received a message back on XX/XX/XXXX where they said they decided to stop reporting because of a system upgrade and they should be reporting in a few billing cycles. That is 7+ months of not reporting. 
This is unacceptable and unethical to hold peoples credit hostage, making scores go down because of it. I do not carry a balance, I pay my statement in full each month and I am still being punished. There is thousands of others experiencing this as well, a quick XXXX search will show commenity capital one needs to change this immediately.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00}
Consumer complaint received 2023-01-14
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. (TX)

Please see attached all XXXX bureaus inaccurate reporting. Fair Credit reporting Act allows me to have a right to accurate reporting. Please investigate the attached bureaus
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (UT)

I will give a basic portion of the story, but from the start of opening the credit card, I had problems with the balance transfer option. On XX/XX/XXXX a balance transfer of {$3000.00} was requested by me. I inadvertently entered one digit on the credit card number for my credit card. BarclaysXXXX XXXX continued to process the balance transfer, without verifying if the name, expiration date, and security matched, which is obviously did not match all my info. I now have a {$3000.00} balance on my credit card through Barclays that is not mine, it was transferred from someone elses credit card. No attempts by the credit card company have been made to fix the situation. They charged me a fee to transfer to the balance as well. At this point, I have a {$3000.00} balance on my card that isnt mine, that I have to make minimum payments on. I have been dismissed by customer service, telling me they wont get back to me for XXXX billing cycles, let alone whether or not theyre willing to admit to the mistake of not verifying my account info or rectify transferring the balance and removing the balance and the fee. I am beyond frustrated to be paying a balance I didnt incur, only for my concerns and amount of stress over this to fall on deaf ears. I have been attempting to rectify the problem and messaged customer service, and spoken to a representative at the company on XX/XX/XXXX. The issues has not been resolved and no attempts to help me have been made, except tell me I have to wait XXXX billing cycles for a mistake that was their fault.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I am an attorney representing a personal representative of an estate. The estate owns the property located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Regions Mortgage holds the loan on this property with a principal loan balance of {$37000.00}. A foreclosure is not pending. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX Regions Mortgage XXXX XXXX XXXXXXXX XXXX unlawfully took possession of the property, changed the locks, put up a sign on the interior from XXXX and put a lockbox on the front door without notice, authorization or any basis for doing so. I have sent the attached letter to Regions Mortgage counsel, XXXX XXXX XXXX.
Consumer complaint received 2023-01-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Placement Services, LLC (FL)

I've recently noticed a alleged debt that fell into derogatory collection account by a company under the name Professional Placement Services on my credit report. I was not notified where the original debt came from, I've received no information on how to dispute such alleged debt/account nor was I the consumer, notified they reported an alleged debt/account to my credit report ( without my authorization ). The alleged debt has several inaccuracies, so how do I even know the debt is real? The inaccuracies are as follows : XXXX stated the date the date of last activity was XX/XX/XXXX, where as. XXXX states the date of last activity as XX/XX/XXXX. Furthermore ; XXXX is reporting this as an Open Account & XXXX is showing it as closed. XXXX has removed this alleged debt from my account due to it not being able to be validated. I also never received a method of validation letter. So how do I even know if the alleged INACCURATE debt even belongs to me or is truly my debt? I sent a debt validation request letter to Professional Placement Services via mail on XX/XX/XXXX. Tracking shows that the letter was received by Professional Placement Services on XX/XX/XXXX. It has been more than 30 days and I have not received any type of debt validation letter.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-03-01
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MD)

Navient is reporting incorrect information on my credit report. I filed a dispute with all three credit bureau, and they updated the information to another incorrect date. They first reported that I was late in XXXX of XXXX, I disputed this report with all three credit bureaus, showing that I have an in school deferment. Rather than accepting that they made a mistake, they updated the report to say that I was 90 days late in XX/XX/XXXX. During this time, I was in a COVID/hardship deferment, so there is no way I can be late. I need Navient to stop this shady business practice can correct my credit report. Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment account Balance on XX/XX/XXXX Loan Amount {$660.00} {$1700.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$1700.00} Monthly payment - Late payments XX/XX/XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment account Balance on XX/XX/XXXX Loan Amount {$270.00} {$650.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount $ XXXX  Monthly payment - Late payments XX/XX/XXXX This has caused my family and I a great deal of stress. I am asking for your assistance. XXXX XXXX
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

Hi, my name is XXXX XXXX. For the SYNCB/Banarepdc account on my credit report there is two late payments for XX/XX/XXXX and XX/XX/XXXX that I made that aren't 30 days late on the payments. If you check the account since it has been opened from XXXX there hasn't been any late payments except these 2 where there was a payment issue. Not only that I did not receive any bill or payment alert or notification it was due as I always make my payments and never miss any. I am trying to go for a mortgage loan and this is severely hurting my credit.