davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't 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 719transunion has me at a score around 590. 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays 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 XXXX 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 im XXXX now.with no help.
Consumer complaint received 2020-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Years ago I had a XXXX credit card.XXXX went out of buisness and I assumed the account was closed.The XXXX credit card was through XXXX XXXX XXXX.Then, for some reason, I ended up with a shop your way card from XXXX that showed up on my credit reports.I never signed up for a shop your way card through XXXX nor did i ask for my XXXX card to transfer over to shop your way card.I never asked for a increase for credit for shop your way card or ask XXXX to reopen the shop your way card when they said it was denied.XXXX needs to provide proof that i signed up for a shop your way card or asked to reopen or increase in credit.Never had a option to opt out as well.On XX/XX/XXXX at XXXX I called customer service and spoke to " XXXX '' ( # XXXX ) and she stated she doesnt have any paper work and cant provide any paper work to me. 

card number ... XXXX member since..XX/XX/XXXX valid thru ... XXXX account closed on ... XXXX or XX/XX/XXXX
Consumer complaint received 2020-12-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/XXXX I have purchased a vehicle through XXXX XXXX  XXXX dealership located at XXXX XXXX XXXX, XXXX, CA XXXX. The vehicle sold to me is XXXX XXXX XXXX ( VIN # XXXX ) in used condition for the total price of {$11000.00}. I have also traded in my previously owned vehicle, XXXX XXXX XXXX, worth {$2100.00} for {$1200.00} value that the dealership has set for it. Despite the lack of credit I had at the time of purchase & my young age, XXXX XXXX XXXX dealership locked me into a loan agreement with Santander Consumer USA, the only finance bank that has approved me for the loan. Santander Consumer USA has utilized their own internal score generated to approve customers that were at high risk to default on their loan, such as myself. Specifically, XXXX XXXX   XXXX has attempted to approve me for multiple different finance banks during the sale process, all of which have denied me in return due to my lack of credit & no option of cosigning, except for Santander Consumer USA. Although I was approved for the loan, I was locked at an outrageously high interest rate of 25.81 %, resulting in a finance charge totaling {$11000.00} over the 6 year course of my loan repayment. 
I firmly stand by the fact that this is a perfect example of predatory lending. Both parties - XXXX XXXX XXXX XXXX & Santander Consumer USA were completely aware that I was absolutely ineligible for the loan approval & was at an extremely high risk of defaulting on my loan, yet I was approved with the help of an internal score ( that I was unaware of ) that Santander Consumer USA has generated as was mentioned. The unscrupulous sale tactics performed by both parties have led to the ending result of me being stuck in a lengthy contract with a shockingly high interest rate & an overall potential risk of defaulting on my first loan ever. 
At the time of my vehicle purchase & contract signing, the finance department of XXXX XXXX XXXX dealership has advised me to refinance my car after 6 months of purchase. This was one of the many deceits that were utilized to persuade me into the purchase because when I have applied for refinancing, I was firmly denied due to my low credit score. 
Since I wasnt able to refinance, I have attempted to seek other options with Santander Consumer USA to which they havent been able to assist me with. Their response to my dire financial situation was once again utilizing fear tactics to ensure I remain on the loan & maintain my payments somehow, without a concern of how that would be managed on my end.
Consumer complaint received 2018-04-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Weinberg Mediation Group LLC (NC)

This number is calling a place of business and has been asked multiple times to not call again seeking to speak with an employee. A call was made to this number of XXXX and told repeatedly to not call this place of business. Immediately after our call was made to the company they called again under false pretenses to verfiy employment and were told again to not call this number of XXXX.
Consumer complaint received 2018-04-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lewisfin.com, LLC (MI)

Advertisement played on XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX NMLS # XXXX / XXXX XXXX XXXX XXXX NMLS # XXXX | XXXX XXXX NMLS : XXXX The advert makes the statement " remember that bad appraisal from the bank that ruined your refinance? we can fix it '' This is fraudulent on several accounts because it offered no qualifiers or restrictions at any point during the advertisement : - FHA appraisals are tied to a case number and can not be re-ordered until expired - Appriasals can not be 'fixed ' - they can be challenged in very specific ways. Even when done by a skilled LO, a value change via appraisal challenge is by no means a guarantee. The can be reordered under CERTAIN circumstances. 
- " a bad appraisal that ruined a refinance '' may well have been one which appraised very low due to adverse market conditions - re-ordering or challenging an appraisal will not solve this problem. 

This advertisement is designed to drive leads to the lender that would result in adverse consumer mortgage experiences.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (FL)

On XX/XX/XXXX. 2023 I contacted the credit bureaus XXXX, Equifax, and XXXX, I, disputed several inaccurate accounts, It has been over 30 days and I have received no response to my disputes.
Consumer complaint received 2018-04-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (MA)

National Recovery Agency, amount of {$200.00}. I have disputed this account with National Recovery Agency by sending them a debt validation and disputed it with XXXX credit reporting agency as I have no knowledge of this account. National Recovery has not responded to my debt validation and continue reporting this account with XXXX credit reporting agency. Once again I have no knowledge of this account.
Consumer complaint received 2022-06-13
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. (GA)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The credit bureaus stated that my account with XXXX XXXX came back verified but how is that possible when the status does not match all three credit bureaus. The status updated dates do not match. The last payment date and date of first delinquency also do not match. This is grounds for removal. 

My rights were also violated. 15 U.S.C 1681 Section 602 A states that I have the right to privacy. 15 U.S.C Section 604 A states that a consumer reporting agency can not furnish an account without my written instructions. I gave no such instructions.
Consumer complaint received 2018-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (NJ)

I over-pay my mortgage every month by 50-100 dollars. The payments are made automatically, electronically and for the last 5+ years I did not even receive invoices from PHH Mortgage. 

Last XX/XX/XXXX an increase in property tax created a one time increase in my payment. I did not receive a notice until ~8 month later when I got a late payment notice for XXXX dollars. I called PHH and they informed me that because of the increase in XX/XX/XXXX I had been charged a ~115 late fee each month for the last few months. I escalated the issue several times and was told I would be contacted by an adjuster. I also asked to start receiving paper invoices. 

A few weeks later I received a letter saying that if I payed XXXX, the matter would be closed. I send in the exact amount. 

XX/XX/XXXX I received my invoice and found that my monthly payment was XXXX, over my usual XXXX, looking closer, I was being charged a late fee of {$110.00} again! 

I called PHH and they informed me that even though my payment of XXXX was received and that they negotiated it, I did not include the pay stub with the payment ... so they didn't realize the XXXX was going towards the XXXX in late fees, so the applied the XXXX toward to XXXX, which caused me to have an outstanding balance and additional late fees - that they refused to reverse. 

I informed PHH that I would like direct withdrawl of funds because I thought they were intentionally making it easy to get charge fees. They told me I needed to send in a void check and wait 2 weeks or I could go and signup online. I tried to log into my account, couldn't, called them back ... they informed me that they delete all online accounts after 1 year of inactivity. Again, harder to get information and pay ... So I had to re-register and finally get signed up for automatic payment. 

In sum, I had to pay over XXXX in late fees and I don't even know what I lost in interest or principle in how they dealt with my payments.
Consumer complaint received 2018-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (KY)

XX/XX/XXXX, hired XXXX XXXX XXXX XXXX XXXX XXXX, to dispute inaccurate and or fraudulent accounts on all credit reporting bureaus. As of XX/XX/XXXX, I pulled a credit report to show progress XXXX XXXX XXXX attempted. Accounts in question had not been removed only closed, no account accuracy, contracts, account transactions received, from third party debt collect XXXX XXXX, XXXX. Account was sold XX/XX/XXXX from XXXX Bank, formerly kmow as XXXX XXXX XXXX Bank. Currently, XXXX XXXX XXXX, sent a 'Alias Summons requesting demand of XXXX. 

On at least 4 attempts, credit bureaus, XXXX Bank ( change of name in XX/XX/XXXX ) and XXXX XXXX XXXX, were contacted to valid account accuracy due to severe identity theft, XXXX XXXX XXXX, has violated the Fair Debit Collection Protections Act ( FDCPA ) that prohibits debt collectors from from using unfair, deceptive, and or abusive when collecting comsumer debts.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The data reported to the Credit Bureaus ( XXXX, Transunion and XXXX ) in regards to a late payment to XXXX XXXX account ending in XXXX was incorrect and was due to an error by XXXX. 

After investigation by XXXX, it was confirmed that there was a representative error in regards to my account ending in XXXX. On XX/XX/XXXX I had requested my account be closed and the representative I made several requests to never closed it. 

On XX/XX/XXXX, I was alerted by XXXX XXXX that my credit score had dropped significantly due to a late payment. I immediately investigated why and promptly reached out to XXXX to get this resolved. 

On XX/XX/XXXX, same phone call, the manager of the representative with whom I had spoken, reviewed the transcript of the call and chat in which I made this request, and confirmed and agreed that the account should have been closed on XX/XX/XXXX. 

Because the account was not closed, this resulted in additional charges to the card that were not authorized, and because I thought the account was closed, I was unaware of. 
The late/delinquency fees associated have been credited back to the account by XXXX. The charges made to the card after the account should have been closed that resulted in the outstanding balance have also been refunded to the card which should result in a {$0.00} balance on the account. 

On XX/XX/XXXX, the representative that was helping resolve the matter closed my account with XXXX. 

I wrote a letter to their credit dispute department requesting that this data be removed from my credit history as soon as possible and immediately. I am in the middle of buying a house and this is damaging to my credit score and needs to be resolved immediately. This is incredibly harmful timing for this be happening and would appreciate all efforts to resolve immediately. 

How can a company rep make a mistake and now its going to cost me somewhere to the tune of {$50000.00} over the life of my mortgage? I need this resolved literally immediately. They are pulling my credit for interest rate in the next few weeks. Just unbelievable that they can make a mistake and I suffer for it. 

They promised that they would submit to the credit bureaus that it was inaccurate. However, I submitted the dispute to the credit bureaus, they investigated and said that XXXX told them the data they hod originally submitted was correct. So they did not fix my credit score.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Equifax deceptively keeps a dispute open where the issues have been resolved. The two collection agencies who reported wrong addresses on XX/XX/XXXX have retracted that misinformation and returned files to XXXX due to " fraud '' in their words, not mine. XXXX agreed in a XXXX  exchange to delete XX/XX/XXXX hard inquiry. However, Equifax continues to demand items from me for no other purpose other than to cover-up their complicity and/or negligence in compromising my information and creditworthiness to rogue employees at XXXX. My address is the same since XXXX, phone number the same since XXXX, cell phone the same since XXXX, email the same since XXXX. The fact that Equifax allowed rogue employees to change information on my file adding wrong addresses and even changing my phone number is not my fault.
Consumer complaint received 2018-04-20
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. (GA)

I CONTACTED TRANSUNION XXXX AND XXXX about them having my updated balances incorrectly reported on my XXXX account. I will attach documents to show they are falsifying updated balances on my report and my XXXX 's report for this same XXXX account. And XXXX UPDATED AND POSTED THIS FALSE INFORMATION KNOWING ITS A FEDERAL CRIME THAT CARRIES A VERY HEALTHY FINE AND COULD LEAD TO CRIMINAL CHARGES. My reported update balances are the XX/XX/XXXX of every month.
Consumer complaint received 2018-04-20
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. (GA)

I CONTACTED XXXX XXXX AND EXPERIAN about them having my updated balances incorrectly reported on my XXXX account. I will attach documents to show they are falsifying updated balances on my report and my AU 's report for this same XXXX account. And XXXX UPDATED AND POSTED THIS FALSE INFORMATION KNOWING ITS A FEDERAL CRIME THAT CARRIES A VERY HEALTHY FINE AND COULD LEAD TO CRIMINAL CHARGES. My reported update balances are the XX/XX/XXXX of every month.
Consumer complaint received 2018-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (PA)

I received an email on XX/XX/XXXX from XXXX XXXX stating that effective XX/XX/XXXX the card could no longer be used and the account will be closed in XX/XX/XXXX. The company filed for Chapter XXXX bankruptcy. I inquired about the affect that this will have on my credit score and their reply was to check with a credit agency.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivables Performance Management, LLC (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-06-13
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Securus J Holdings, LLC (CA)

JPAY XXXX XXXX for Returning Citizens from XXXX. 

XXXX XXXX File No. XXXX I was released from California XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX and was given my release money on one of these JPAY cards. I tried to use it to set up utility accounts and order things online but was charged all kinds of fees, I was also charged a fee to transfer the money to another bank account and to get my cash off of it. 

All of the things mentioned in the consent decreee happened to me.
Consumer complaint received 2020-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

To Whom It May Concern, The reason for my dispute is HRRG # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, HRRG failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) HRRG failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation HRRGis held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HRRG is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. HRRG has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2022-11-30
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. (TN)

I have recently checked my credit report and noticed there are numerous errors regarding XXXX XXXX XXXX I see that the last active dates are different. Dates of last payment are different. On my Experian report it has been reporting C/O and on my XXXX the payment history doesn't match. From my understanding under the FCRA all info on my credit report must be 100 % accurate. There are XXXX accounts that are reporting the same mistakes. I have not received a XXXX regarding the charge off for both of these accounts neither. Dispute letters have been sent and nothing has been resolved to fix this.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.