davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Statebridge Company (TN)

This Statebridge XXXX has hired an attorney to foreclose on my home even though they have a XXXX mortgage and I have a first mortgage. I talked to someone this week by calling myself as I received a letter from their attorney that stated if I want to try to resolve this to call their number at Statebridge. The lady I talked to was very helpful told me to send my first mortgage statement to loss XXXX and that I want to request a loan modification. Which I did XXXX days and had no reply so I then called. I spoke with XXXX was contradicted himself several times as I am sure the call can be pulled and verified then he stated XXXX is my rep and would call me back after the investor reviewed it and would probably be next week. Now XXXX calls today and he stated he was told to call me so I am assuming he has information for me as XXXX stated nope so I had to tell everything again and he states he does not see my email even though XXXX did say he seen it in the system with my first mortgage statement attached and there is nothing they can do even me telling him what the attorney letter said to call them for a modification plan. XXXX also stated back in the summer they called me every day with a blast campaign which is untrue or if they did call no messages were left and I would like to see proof of where they called me every day and left a message This company all XXXX people told me something different no one knows the same thing so I do not know what to do or believe. XXXX finally gave me the attorney phone number to call and said they would have to help me but XXXX states they would not help me and would refer me to them. This is ridiculous that no one will help try to resolve. Still today if I had not called NO ONE has tried to call me and has had a conversation with me at all.
Consumer complaint received 2018-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALCHRO INC. (FL)

This collection Company continue too list these 2 XXXX  accts on my XXXX  credit report its was off for months after I disputed months ago as of XX/XX/2018 there back on my credit these are not mine acct remove off my XXXX  credit report immediately Ive sent you guys copies of my fraud report days ago!!!
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : 1. XXXX XXXX XXXX Balance : {$0.00} 2. XXXX XXXX XXXX  XXXX Balance : {$9300.00} XXXX 1. XXXX  XXXX XXXX Balance : {$0.00} 2. XXXX XXXX XXXX XXXX Balance : {$9300.00} TransUnion : 1.  XXXX XXXX XXXX  XXXX Balance : {$9300.00}
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WOOD FINANCE INC DBA PREMIER ACCEPTANCE (IL)

I am writing to request the method of verification used in connection with the investigation of the dispute I submitted regarding the accuracy of information on my credit report, as allowed under 15 U.S.C. 1681s-2 ( e ).

I appreciate the effort you have undertaken in investigating my dispute. However, I am know seeking specific details regarding the method of verification employed during this process, as required by the aforementioned section of the fair credit reporting act.

Pursuant to 15 U.S.C. 1681s-2 ( e ) ( 7 ). I request that you provide me with a description of the procedures used to verify the accuracy of the disputed information, including the names and addresses of any third parties involved in this verification process.
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (OH)

I went online today to XXXX to check my credit report at Experian 's website. I was enrolled for their credit monitoring service for {$19.00} per month although I did n't want to. I 've always watched carefully so that this does n't happen. They clearly have the website designed to mislead people into signing up without their knowledge. Enrolling in these services should not be automatic because I forgot or did n't see some box at that bottom of the screen to uncheck.
Consumer complaint received 2022-04-12
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. (MD)

I am appalled at how the system works. So here we go. I had a score of XXXX plus. One of my businesses is XXXX XXXX XXXX and as such I personally had to hold mortgages in my name because they wouldnt give me business credit. So I had many mortgages on my credit report when I say may many I mean more than 6 at one point. I struggle when the market crashed and investors bailed out by the thousands. I took the hit on my credit and struggled through it. Wow talking about demoralizing and humiliating a person. 

So anyway, I work through it and get my score up to lets say XXXX with all the debt I am carrying. So now the business starts to be where I am able to take draws and I pay my debt down or off and my score goes down. Not by a little but about XXXX or so points. Help me understand how this is possible. I have now paid off over 300K in debt and my credit score goes down. 

In addition during the time the housing market crashed I had credit cards which went into collection and were in suspense from XXXX and the debt collectors tried to put it back on my credit report as current. 

This is a joke. Their were errors in my name and places I have never lived my social was not correct.. Really and they are profiting, I have a problem that all 3 Bureaus are not required to report exactly the same information, Why would a person get 3 different scores if they When I don't use them my score goes down. When I use them I'm overextended. 

I also the XXXX XXXX discriminates against XXXX XXXX Investors in general. The are the most scrutinized industry their is. We have to provide leases, insurance policies, profit and loss statements, Tax Returns, etc. No other industry has to provide the nuts and bolts of their businesses. XXXX. A XXXX individual receipts, number of racks they purchased, how many hangars they used, XXXX XXXX individual receipts how many can of corn they sold, how many cans of beans, etc. See the differeence. 

My point is that I want the bureaus disbanned. They serve no useful purpose. I have XXXX in home debt for a home I ; ve been in since 2004, I owe XXXX on my car and XXXX on my credit cards and because of the information XXXX, XXXX and Experian have reported I was denied a loan because my SCORE didn't meet their criteria. I have XXXX in XXXX XXXX XXXX. RIDICULOUS! 

I believed I have been damaged by the inaccurate information and algorithms that the XXXX bureau use to compute consumer XXXX scores. 



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Consumer complaint received 2022-04-12
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. (MD)

I am appalled at how the system works. So here we go. I had a score of XXXX plus. One of my businesses is XXXX XXXX XXXX and as such I personally had to hold mortgages in my name because they wouldnt give me business credit. So I had many mortgages on my credit report when I say may many I mean more than XXXX at one point. I struggle when the market crashed and investors bailed out by the thousands. I took the hit on my credit and struggled through it. Wow talking about demoralizing and humiliating a person. 

So anyway, I work through it and get my score up to lets say XXXX with all the debt I am carrying. So now the business starts to be where I am able to take draws and I pay my debt down or off and my score goes down. Not by a little but about 100 or so points. Help me understand how this is possible. I have now paid off over XXXX in debt and my credit score goes down. 

In addition during the time the housing market crashed I had credit cards which went into collection and were in suspense from XXXX and the debt collectors tried to put it back on my credit report as current. 

This is a joke. Their were errors in my name and places I have never lived my social was not correct.. Really and they are profiting, I have a problem that all XXXX Bureaus are not required to report exactly the same information, Why would a person get XXXX different scores if they When I don't use them my score goes down. When I use them I'm overextended. 

I also the XXXX XXXX discriminates against XXXX XXXX Investors in general. The are the most scrutinized industry their is. We have to provide leases, insurance policies, profit and loss statements, Tax Returns, etc. No other industry has to provide the nuts and bolts of their businesses. I.E. A Drycleaner individual receipts, number of racks they purchased, how many hangars they used, A Supermarket individual receipts how many can of corn they sold, how many cans of beans, etc. See the differeence. 

My point is that I want the bureaus disbanned. They serve no useful purpose. I have XXXX in home debt for a home I ; ve been in since XXXX, I owe XXXX on my car and XXXX on my credit cards and because of the information XXXX, TransUnion and XXXX have reported I was denied a loan because my SCORE didn't meet their criteria. I have XXXX in Open Credit Lines. RIDICULOUS! 

I believed I have been damaged by the inaccurate information and algorithms that the XXXX bureau use to compute consumer XXXX scores. 



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Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (CA)

XX/XX/29 Opted-out third party reporting & Credit Reporting Updates Asked to keep my account open, as I never instructed to close the account. 

XXXX, XXXX and Equifax refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates. 

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses - remove all Non-Mailable addresses remove all Nonpublic Previous employers incorrect non-matching account # Incorrect non-matching account type- detail incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching credit limit incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Consumer complaint received 2019-07-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

1-I will like to keep my XXXX XXXX XXXX fully and timely paid closed account on my report since it demonstrated my payment history that should always be part of my report, it was removed on XX/XX/2019 2-will state the facts as it appear on my credit report, on XX/XX/2019 a collection account from XXXX XXXX XXXX for {$1500.00} was removed from my report per the collector changing my score which was at XXXX by dropping 76 to XXXX. I believe my score was suppose to go up 76 point to XXXX after the account removal by XXXX XXXX, you can check my score trend to validate my contention
Consumer complaint received 2017-08-26
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. (CA)

I have a mortgage on my home at XXXX XXXX XXXX XXXX XXXX CA. In XX/XX/XXXX, it was sold to XXXX XXXX. 57 times in a row, I sent payment on time or early. Since then, I have repeatedly asked the company for monthly statements but got none. I also asked for a welcome packet but got none. I received no written correspondence EVER from this company ... until XX/XX/XXXX when I received a letter indicating my payment had not been received. I checked and got proof I sent it early as I always had. XXXX XXXX says they changed the box number where I 'm supposed to send the check and since I 'm late they reported it to the credit agencies. My credit score - a vital part of my business as a XXXX XXXX XXXX with four other mortgages all of which are far greater than this one - dropped 140 points. XXXX XXXX says it had to tell the " truth '' but wo n't admit they never sent the letters. In fact, today, one month after the letter indicating I was late, the bank has still not produced copies of the letters it alleged were sent. The credit agencies say that if XXXX XXXX wo n't admit it made an error, I 'm stuck with their decision to damage my credit I have proof my payment was sent on time. They do not care. They have no proof they sent any letter much less 4 and the idea that I would ignore 4 letters but respond within 20 minutes of getting one indicating payment is plain nutty. All communication with XXXX XXXX returns to same : they sent 4 letters and as such I 'm late and too bad. There has been no action taken by the bank to ensure smoother communication. They have n't sent a statement nor copies of the letter. XXXX in executive office promised action in 5 days. That was three weeks ago. It does not seem fair that this bank gets to damage my credit and that there is no way to appeal this foolish, short sighted decision as it will now cost XXXX XXXX thousands of dollars in interest when I transfer this mortgage to another company as I can not take the chance that this bank do same again as it will send no material in mail. All the communication regarding their phantom letters has been on the phone!
Consumer complaint received 2024-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (GA)

I think the account might not be valid. CONTRACT CALLERS INC must confirm in a legally binding statement that this claim is legitimate and doesn't have any issues like breaches of agreement, lack of consideration, or significant changes, and that the original lender received proper value. Also, they must assure that the transfer of the alleged account was done in good faith with everyone 's agreement. If they can't provide this sworn statement, I demand the removal of the account from my credit record and their records. CONTRACT CALLERS INC XXXX
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-04-12
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 to the Fair Credit Reporting act the companies listed below have violated my rights. 

XXXXXXXX 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 

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 an account without my written instructions.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I previously filed a complaint here with you. It was # XXXX. My account was fixed for 2 days and once again I can't access any of my credit information. So once again : For several years I have repeatedly tried to access my Transunion report online, to dispute, freeze credit etc. They won't fix the problem and I can't access any of my information. No one will help me. I have repeatedly, called, chatted etc. Initially I was told it was because they were using XXXX ( nickname ) instead of my full name XXXX. I sent in all the proper documentation and my report has been updated but I still can't access any of my information. I have a Transunion account online and every time i try to access anything it tells me Sorry we can not complete your request online. No one will fix the problem and this has been going on for 2 plus years. We are in the process of shopping for a house and I freeze/unfreeze my credit reports often. I need access to my account and MY information! Please get someone to actually fix this!
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I am filing this complaint to FIFTH THIRD BANK NA. I am requesting that all late payments markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you correct the said account. Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2022-10-15
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. (NY)

I applied and got approved for an unsecured loan from XXXX on XX/XX/2022 for the amount of {$390.00} with a 12 month term. This Loan has been paid in full on XX/XX/2022. On XX/XX/2022 I received my credit report and XXXX is still reporting an open loan which is inaccurate, XXXX is also reporting an inaccurate balance, and XXXX reported that the balance increased by {$3.00} which is also inaccurate because the loan is paid in full. When I spoke to a customer service representative the only solution that was presented to me was a verification letter that the loan was paid. The XXXX customer service representative suggested I dispute my account with the credit bureaus and send this letter of verification to prove the loan was paid off. The account has already been under dispute and XXXX has not responded or updated any information with the credit bureaus.
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On my XXXX XXXX  phone all 3 credit reporting company 's login and passwords all taken off screen. Login will not work i have all 3 with a security freeze. Sense a year ago there should be no activity on these accounts.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PINNACLE RECOVERY, INC. (NC)

XX/XX/scrub>XXXX XXXX Pinnacle placed a collection account on my credit file. I disputed the account with the credit bureau. I replied to Pinnacle for debt verification documents as I have never dealt with or had any legal obligations with Pinnacle Recovery INC. They sent me documents. I again disputed the information with XXXX for inaccurate information per the FCRA. After XXXX disputes and contact with the company, I am filing a complaint for violation of the FCRA. Pinnacle Recovery verified inaccurate and false information on my credit file. XXXX continues to not hold data providers to the standard of the FCRA. I do not have any legal obligation with Pinnacle Recovery INC and I have never had any legal dealing with XXXX XXXX XXXX as they continue to report on my credit file. They also have reported incorrect balances and other pertinent information that should have triggered XXXX to remove from my file. All the inaccurate information is a direct violation of the FCRA but furthermore verifying false information goes to blatantly damaging my credit history and rating. XXXX allowed this after I submitted documents showing inaccurate information being reported showing their gross disregard for only reporting accurate data as required by the FCRA. By participating in reporting inaccurate data XXXX is culpable because they must delete false accounts when presenting documents even if the company verifies them as accurate.
Consumer complaint received 2019-07-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

will state the facts as it appear on my credit report, on XX/XX/2019 a collection account from XXXX XXXX for {$1500.00} was removed from my report per the collector without any change to my score which was at XXXX and on XX/XX/XXXX my score dropped 77 to XXXX for no reason. I believe my score was suppose to go up 77 point to XXXX after the account removal by XXXX XXXX, you can check my score trend to validate my contention
Consumer complaint received 2017-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

capital one froze my card sent new card asking me to proof of who I am sent it to them and they ... cant get their act together I went inside a branch had their teller send the documents they asked for and they said they did n't get it spoke with XXXX XXXX XXXX branch number also spoke to XXXX would not give me her name badge # XXXX said my account will be frozen till I give them documents that I gave XXXX XXXX to fax