davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-06
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: Experian Information Solutions Inc. (CA)

I XXXX have sent Experian and XXXX  my ID social security number to verify my information. i have sent them valid police reports from me walking in to the police departmant i have file a FTC report with more then 20 Inquiries that the perpetrator did as i am a victim of identity theft. Please see my attached documents. Experian can not say that it was a company that filed this complaint. please submit my request. There has not been nothing independently verified but automated emails that say the same thing,
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

I notified equifax of three unknown accounts on my report about 2 months ago. The sent an email response that said the investigation was complete about a week later and asked me to go to their website to check it out. I can not get into their site anymore. It asks security questions I have no idea what the answers could be, about addresses and car loan and such. As far as I can tell by using XXXX XXXX, they ignored my problem because the three erroneous accounts are still showing and then they locked me out of their website. These accounts appear to be for medical bills in a state where I have never lived for things I have no problem with ... XXXX  ...
Consumer complaint received 2018-10-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (NJ)

THE COMPANY IS USING CALLER ID SPOOFING TO TRY AND MASK THE NUMBER. I HAVE TOLD THEM TO STOP CALLING ME NON STOP, THEY CALL FROM THE SAME 3 SPOOFED NUMBERS 3 OR MORE TIMES A DAY. THE FIRST FEW TIMES I MISSED CALLS AND WHEN I CALL BACK SOMEONE ANSWERS AND SAYS THEY NEVER CALLED ME SO I FINALLY ANSWERED TO GATHER INFORMATION ABOUT WHO IS CALLING ME NON STOP WHILE I AM WORK.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is ridiculous! I contacted TransUnion over 30 days ago and they have done nothing to resolve the issues I reported to them regarding my consumer credit report. I haven't heard anything from them and I've see no changes on my credit report. This is causing me emotional distress, as this incorrect information on my report is effecting me from getting a home. They don't seem to be following the rules set out for them as nothing has been done and I have not receive a single update from this company.
Consumer complaint received 2020-12-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Synergetic Communication Inc (CA)

The statute of limitations for this debt from 2017 should apply. 

XXXX XXXX XXXX , XXXX has tried collecting on an old debt purchased from XXXX XXXX XXXX through a collections agency Synergetic Communications , IncXXXX ( XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX ) However, the collections agency has not updated the amount owed, or communicated with me regarding the debt, post a payment arrangement agreement.
Consumer complaint received 2020-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NV)

On XX/XX/2020, Loan care, LLC received a partial payment which was applied to principle only opposed to the regular payment, when I proceeded to make a following payment due to COVID-19 and worried I would not be able to pay, which was processed on XX/XX/2020. This was again processed incorrectly. Fast forward to XX/XX/2020 when yet another payment was misapplied to principle only. I got first " past due '' letter in XXXX, I called the same day it was received to have this corrected, due to this being an issue in XXXX which I believed was corrected only to have the exact same problem 24 hours later, Which I was not aware of. I have been trying to rectify this issue for two months and now they are stating that they can not go back and correct this because it has been longer than 6 months since original transaction. They are now reporting that I have a past due payment when I have paid for XXXX and XXXX leaving my next payment for XXXX, which has completely tanked my credit, one dropped 119 points and the other 121 points. I have filed a dispute with Loan Care, LLC along with the 3 major reporting entities, however, they refuse to correct this issue with the misapplication of the payment. This is not only a major issue with their policy and their lack of customer service, but it is negatively affecting my credit without any real grounds. They have the payments ; they refuse to correct this issue and they expect me to come up with two months mortgage in one month when I am already living check to check due to being unemployed because of COVID-19. I want this issue to be corrected and for these individuals to treat their customers like human beings, one call or e-mail could have prevented this from happening. This has caused hours of phones calls, extreme XXXX, XXXX, XXXX, and XXXX along with triggering my ongoing battle with XXXX, which has made it impossible to find employment. I have attached a spreadsheet that clearly shows the misapplication highlighted in red. On the far left is my billing information when it was sent out, cleared, etc. and to the right shows when Loan Care, LLC received the payment, how the payment was applied incorrectly and the month it should have been applied to. I am happy to walk someone through this if needed, I just need this issue fixed immediately, due to my declining health over this situation. I have been extremely patient with the employees, but this is unacceptable behavior and treatment from a company. Loan Care, LLC acquired my loan, I did not seek them out and never had this issue with the previous company, which was XXXX. I want the billing to be corrected along with my credit being completely restored to its prior score.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IL)

I sent Citibank a letter to attempt to settle this old account that was a charge off since 2013. The sent me a letter saying they would update the credit bureau 's. They reported that I was 60 days late. I have settled the account and want to have this corrected as paid.
Consumer complaint received 2022-10-21
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)

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 wrote to your company indicating my dispute of information in my credit report. Experian has not responded to my dispute and therefore must update my credit file. The late dates which are actually submitted on my credit report sound very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late reporting on this account. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
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)

requested an explaination in complaint id XXXX regarding XXXX. They took longer than 30 says. They claimed as verified but did not disclose the steps they took to verify the information as per FCRA law 1692G
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX and this is not a third party. The following credit reporting agencies are taking advantage of me, and as a result I am continuously being denied credit. XXXX, Transunion, XXXX and XXXX XXXX. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (IL)

I have been buying merchandise using my Paypal credit card which is handled by Synchrony Bank most often when there is a special financing promotion. I just discovered that my monthly payments have not been applied correctly toward one of these promotions. I notified the company and was told their automated system for some reason does not properly take you monthly payment and distributed payment in the proper allocation among the various purchases whether they have a special financing promotion or not. The only way to insure this was to call directly and talk to an agent to and instruct them how allocated payment to various special financing purchases and pay over the phone directly bypassing the automated system of online payment as I was told by one of their customer service agents. She did admit there is a problem with the automated system. I did this last pay period and the instructions were not followed. I have made my complaints to management but do not feel confident this issue will get resolve. On one of the special financing purchases had a two year interest free promotion. I am only into 7 months of that promotion and the beginning balance was over {$990.00} and as of today the balance is just over {$41.00} after only 7 months. When that balance should be at this stage of paying 7 months into a 24 month interest free promotion be just over {$700.00} if the payments were properly allocated. Meanwhile other promotions with much less time did not receive any payment at all.
Consumer complaint received 2018-04-26
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. (TX)

I had my attorneys send letters to all 3 CRA for the following accounts and agencies ... 
XXXX 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX/XXXX Transunion 1.XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX/XXXX XXXX  1.XXXX XXXX XXXX XXXX  2.XXXX/XXXX  3.XXXX  XXXX XXXX ... 
Requesting verifiable proof of these debts in accordance with the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) ...
Consumer complaint received 2020-11-05
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. (CA)

On XX/XX/XXXX, my wife called our existing mortgage servicer, XXXX XXXX XXXX and explained that our tenants had lost their jobs due to Covid 19 and that we couldn't make the mortgage payment due on XX/XX/2020. She requested Forbearance and was told it would take 48 hours and that we would not be marked as being late during forbearance. 
We did not make the XX/XX/XXXX payment. Then the mortgage company called us and demanded the XXXX payment. We were confused because the loan was supposed to be in forbearance. With great hardship, we did make the payment on XXXX and we paid for both XXXX & XXXX. On XX/XX/XXXX, we made a payment which was slightly short, again the lender demanded that we give them more money which we did on XX/XX/XXXX. We had NEVER been late before or since. We were told that our loan was in forbearance and no payment was needed. XXXX XXXX XXXX XXXX has a recording of the actual phone call and also has a log of the XX/XX/XXXX call. We are trying to refinance to get a lower rate. The lender denied us because of the two mortgage lates that XXXX XXXX is incorrectly reporting. On XX/XX/XXXX, we called the loss mitigation dep & XXXX, said that it was a XXXX XXXX error and that we should dispute it which we did once on XX/XX/XXXX and again on XX/XX/XXXX.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (NC)

XX/XX/2020 Hunter Warfield, INC added a derogatory mark on my credit report per XXXX XXXX. I have had many unsuccessful disputes with the Credit Bureaus in reference to the Hunter Warfield Account. The account was settled for a pay for deletion but reflects as charged off and still accumulating interest for the past few years. No written form of communication or verified debt was ever sent to me. According to the FCRA, Hunter Warfield INC, has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2018-04-25
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (OH)

Regions Bank : On XX/XX/XXXX I inquired by phone if physician mortgage program existed at Regions bank in state of Utah. The loan officer assured me it was and went over the program details. I provided my personal information for application. The loan officer did not return my call on XX/XX/XXXX. After again reaching out to the bank on Mon. XX/XX/XXXX the same loan officer, after pulling my credit informed me that the program discussed, and authorized for credit check, does in fact not exist. Was told I could not speak to a manager.
Consumer complaint received 2021-10-20
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. (VA)

Approximately sometime in XXXX XXXX. 
My estranged brother contacted my mother to say that a collection agency XXXX & XXXX XXXX has been calling his residence asking for me and whether I lived there. 
My estranged brother who I have not seen or spoken to in 20 years informed XXXX & XXXX XXXX that no one by that name " XXXX XXXX '' lived at his residence. He, my estranged brother stated to my mother that XXXX & XXXX XXXX has been calling his residence on several occasions early in the morning and late at nights harrassing his family asking for XXXX XXXX and telling my estranged brother that I need to pay a debt or else. It is when my estranged brother who happens to be a lawyer threatened them with XXXX & XXXX XXXX with legal actions -- they stopped calling. 

The calls never stopped. They, XXXX XXXX XXXX XXXX- searched to located who had my last name and which individuals who was linked to my last name. They, XXXX & XXXX XXXX found my elderly XXXX XXXX XXXX parent phone number and also called my parent many times throughout the day threatening my mother that she should give them my contact details and that I owe them XXXX & XXXX XXXX money. My mother was extremely upset where she was having chest pains. 
Those are the abusive practices that XXXX & XXXX XXXX did. 

XXXX & XXXX XXXX XXXX added a negativity to TransUnion and XXXX. I DO NOT OWE XXXX & XXXX XXXX any monies. 

I have sent TransUnion Letters. I have Sent Experian letters. Also, I have sent letters to XXXX Disputing the report that I do not owe XXXX & XXXX XXXX and that they should Delete/Remove it from my Credit Report. 

XXXX - Responded and Delete/Remove XXXX & XXXX Collection from my Credit Report TRANS UNION - I have sent several letters -- Transunion have Not removed the Incorrect Information XXXX XXXX XXXX XXXX XXXX 

XXXX : I have sent letters to XXXX as well - They never responded to my letter that I sent them on XX/XX/XXXX Disputing the incorrect information. 

Please help me with TransUnion and XXXX. Even though both XXXX XXXX has Listed incorrect information -- They have not deleted. 

Many thanks in advance for your help. XXXX Bless you and Please stay safe.
Consumer complaint received 2020-12-15
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: Experian Information Solutions Inc. (FL)

Hi so on XX/XX/XXXX I submitted a dispute witht he three credit bureaus XXXX  and XXXX  with a problem report on a missing payment from one of my auto car account and everything was taken care off by XX/XX/XXXX and this two credit bureaus were able to get me back my loss points after the dispute was done and erase the missing payment from my credit. But through experian the dispute was also completed by XX/XX/XXXX but they havent update al my points that I loss like in the others two bureaus. Is there anything that can be done so i can get my credit point back from experian!? I really need it because will be using my credit for a first time home buyer in a few months and really need those points back! 
Thank you.
Consumer complaint received 2022-06-16
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. (CA)

I was reviewing my Experian credit report & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records and attach a copy of the identity theft report ( FTC report # : XXXX. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports. 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 2022-06-14
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: CAINE & WEINER COMPANY, INC. (NC)

In accordance with the fair credit reporting act, these companies have violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2021-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I contacted both XXXX XXXX ( original said Creditor ) as well as the collections agency Portfolio Recovery about the debt that theyre saying is mine. I immediately contacted them both upon the collection account hitting my credit in XX/XX/XXXX for {$3300.00}. The debt has never been an Account on my credit report at any time since it was supposedly opened in XXXX. The verification the collections agency sent me in the mail was missing a bunch of information including XXXX room history. XXXX XXXX was not able to provide me any details saying they sold the debt so I had to work with the collections agency. The credit account is not mine! I filed a Fraud dispute with XXXX XXXX in XXXX and never heard back from them validating the debt. The debt is 7 years old and no one can validate its mine. I never have worked with XXXX XXXX in my life. Theres not credit reporting on my credit file ever with XXXX XXXX.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (PA)

I was supposed to be refunded secure credit card balance in XX/XX/2020 due to they didn't get to my Taxes statement sent before expiration date. I was told they will refund the remainder of my balance to my previous address in XXXX, pa. In XX/XX/2020 I called to check status and let them know we received no check and we were moving. I updated my address and supposedly Discover Credit card told me the check was sent but never received. XXXX more times this happened in which agreement was struck with Discover credit card and myself that I will be issued an expedited service and an electronic transfer in the sum of the remainder of balance of {$480.00} I was due to receive it by XXXX of XXXX in which again nothing. I'm rudeuced to recording our phone calls because no one at the company are making appropriate notes, following their own policy of 2 cycle and ten day return, and at this point the whole situation is getting utterly rediculous with conversations began to get aggressive and threatening with them. Phone calls are recorded from both parties both them and me and I need your help. I'm followed procedure with both you and the attorney general to have this matter investigated because I have no help in this