davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-12
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. (NY)

As you are well aware, XXXX XXXX XXXX XXXX XXXX is known for fraudulent business practices and has been taken to court ( class action lawsuits ) over these issues resulting in multi-million dollar settlements however the company still is allowed to continue its fraudulent business practices with little more than a slap on the wrist. 

That being said my complaint is as follows. My current TransUnion and XXXX credit reports are showing that on XX/XX/2019 XXXX XXXX XXXX XXXX  XXXX reported that my loan increased by {$630.00} when the original loan was {$100000.00} 13 yrs ago and now on the report is showing {$100000.00} total owed even after 13 yrs of having the loan resulting in at least a 65 point drop on my credit reports. This information XXXX XXXX XXXX XXXX reported is impossible and incorrect resulting in a negative impact on my credit reports and needs to be corrected asap. 

Im tired of XXXX 's fraudulent activities that are not being address and this company continues to stay in business even after many class actions suits.
Consumer complaint received 2019-02-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am a victim of credit card fraud and identity theft. I submitted my complaint to Equifax fraud department on XX/XX/XXXX alone with a verified police report of the theft. I also discovered that I bacame a victim of identity theft during the Equifax Breach in XX/XX/XXXX after not receiving my social security XXXX deposit. My credit has been affected negatively lowered credit score by 200 points therefore affecting my personal and business credit making it difficult to achieve government contracts. I am XXXX  % service connected XXXX veteran in college full time and am in need of help with this issue. I resubmitted my information to Equifax fraud department again in XX/XX/XXXX, and still have not gotten any response. Thank you in advance. Please give me the benefit of the doubt that may arise in your decision.
Consumer complaint received 2019-04-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I am enclosing a copy of a letter that I mailed to your company via certified mail requesting that you verify the alleged debt your company claims I owe. The tracking from the USPS shows the letter was delivered on XX/XX/2019. It has been more than 30 days, and I have not received any proof that the company validated the debt.
Consumer complaint received 2019-03-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

Had a loan account with XXXX XXXX XXXX XXXX. No debt collection attempt was made and then received notification from a company named Bull City Financial. When I called XXXX XXXX XXXX they told me they had no information but for me to try and contact Bull City. i never had any account or agreement from Bull City also was never notified of any debt collection from XXXX XXXX XXXX XXXX. I have a {$0.00} account and showing 100 % paid off per attachment. Bull Ciry also has no documentation or loan paperwork as evidence of debt per my repeated request to have sent to me on the debt which is a violation of federal laws stating Providing validation to consumers to prove the right to collect debts,
Consumer complaint received 2019-02-12
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. (FL)

XX/XX/XXXX Filed initial dispute with TransUnion and included bank record showing payment to the account # XXXX. 

XX/XX/XXXX Received dispute results that verified the account as accurate. 

XX/XX/XXXX Sent letter to TransUnion to file a repeat dispute. 

XX/XX/XXXX Received letter from TU saying the information disputed was not currently on my credit report. 

XX/XX/XXXX Talked to a supervisor in TU 's dispute unit named XXXX or XXXX. He explained the dispute process as a matter of sending a code to the creditor organization together with my documentation and getting their response. I asked him if he exercised any independent judgement about the veracity of my claims and documents. He was vague in his response although he agreed that bank documents were important. The problem is there is no real investigation by a neutral party. They merely take the word of the XXXX XXXX which in my case is the culprit by their negligence in not posting my payment to the correct account.
Consumer complaint received 2023-08-09
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (TX)

I have received numerous written attempts to have me pay a debt already paid with the XXXX XXXX XXXX, TX. I have requested they stop calling me, have complied with their request for proof of payment, have contacted the XXXX XXXX XXXX, have gone online to ascertain if the debt is real. The XXXX XXXX XXXX assures me that I owe them nothing, even though the collection agency asserts that they have been hired by the XXXX XXXX XXXX XXXX Courts to collect the debt. I have gone online to the site the collection letter refers me to, an official XXXX Government site, and there is no record of any outstanding debt there, either. Now the collection firm is telling me a warrant will be issued and my drivers license will be revoked or suspended.
Consumer complaint received 2019-02-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (NY)

Paypal has robbed me of all of my funds from my XXXX Checking account on XX/XX/19. I never approved of the unauthorized 36 charges from someone named, XXXX XXXX of CA. I contacted XXXX XXXX   Representatives and they looked into the unauthorized charges in my XXXX checking account. I explained to the XXXX XXXX  Representatives that I never made purchase with PayPal nor used my charge card. However, I checked my PayPal account on XX/XX/2019 and did not see these unusual charges on my Paypal account. XXXX XXXX  gave Paypal Company the permission to gain access to my all of my funds in my chase checking account which is in the negative status.
Consumer complaint received 2019-02-12
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: EQUIFAX, INC. (GA)

This issue was acknowledged Spring XXXX. I realized two paid in full loans from XXXX were no longer reported on Equifax credit report. I contacted Equifax and was told creditor needed to resubmit information, it couldn't come from me. I then contacted creditor and advised of issue with credit report. The creditor faxed information to Equifax and mailed loan information to me. I then faxed information provided to Equifax. I was told by Equifax if the information was previously reported, there was nothing that could be done after following instructions to fax information provided by Equifax & creditor. 
There was a constant back and forth between me contacting creditor ( XXXX XXXX XXXX in NC ) and Equifax to get this issue corrected, for this is a major part of my credit report and history. I was then informed by representative at Equifax that it takes a couple days for them to review faxed information and to give it some time to reflect on my credit report. After reviewing recent credit report the issue still remain, nothing is updated thus far regarding loan information. I then contacted representative at XXXX XXXX XXXX who submitted information in XXXX. She refaxed information to Equifax and mailed me another copy which I faxed to Equifax as well. I submitted complaint and chatted with live representative I was emailed case number XXXX. Please assist with prompt action regarding information provided for this issue affects overall life.
Consumer complaint received 2019-02-12
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)

There is detailed information on two of the accounts that I've been disputing with all three bureaus. Under the FAIR credit reporting act ( 609 ) it states that if the information being reported isn't accurate, complete or verifiable it must be corrected or deleted. There is a collection with XXXX XXXX XXXX XXXX that's been reporting inaccurate information, plus I'm not aware of this crteditor either. The XXXX/XXXX account isn't reporting accurately higher and I need them to correct the late payment that's holding me back.
Consumer complaint received 2019-02-11
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: Santander Consumer USA Holdings Inc. (GA)

Santander is showing multiple entries on my credit report that I did not authorized. I do not have any financing or credit from this company and these inquires are erroneous. I have tried calling to speak with the finance manager, but I always get the voicemail. I did not authorize these inquires and they are fraudulent. PER FCRA section 609 these inquires must be removed. 

Inquiry date : SANTANDER CONSUMER USA XX/XX/2018
Consumer complaint received 2019-04-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I am enclosing a copy of a letter that I mailed to your company via certified mail requesting that you verify the alleged debt your company claims I owe. The tracking from the USPS shows the letter was delivered on XX/XX/2019. It has been more than 30 days, and I have not received any proof that the company validated the debt.
Consumer complaint received 2019-04-09
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: Credit Karma (CT)

Closed reports from a few years ago are still on my account. 

XXXX DEPARTMENT STORE Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX. 
XXXX DEPARTMENT STORE Closed Closed on XX/XX/XXXX 2013
Consumer complaint received 2019-04-09
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: Resurgent Capital Services L.P. (CA)

Ok I started disputing LVNV funding llc back in XX/XX/XXXX I sent a affidavit sign and notarized that this was not my account. I then preceded to send police report and a dispute letter XX/XX/XXXX only for them to verify the account I then sent a 30 days validation of this account no respond about a month later I received another letter of validation without proof of identity no signature and also not the original documents I called the resurgent capital services and told them whats going on they ask me to fax affidavit in I did. I called back 48 hours only to be told they did not get it. Then the next morning I called them back and asked to check status on my dispute she then stated that they received the fax yesterday. But see the other person told me I never sent in no documents then I stated to them that I would like to send me the original documents on this account. I called again yesterday which was the XX/XX/XXXX the person said they mail out the verified account now as Im trying to get this matter taken care of they put a old account thats past the limit law now I have to dispute 2 accounts if my other account is past the time limit why did they added to my report I would like to please remove with positive feedback
Consumer complaint received 2019-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Per resolved CFPB complaint # XXXX, Freedom Mortgage began sending all documents to the wrong address in XX/XX/2018. 
So I did not receive the company 's notice that it needed proof of insurance until that error was corrected BY MY EFFORT in late XX/XX/XXXX. 
My insurance company provided the information to them in early XX/XX/XXXX. 

Today I received notice that Freedom Mortgage retroactively RETROACTIVELY purchased insurance for me in XX/XX/2018. I don't know how they could have done that as it is my understanding that such insurance can not be purchased retroactively and the earliest possible purchase date would have been XX/XX/XXXX. 
I carry HO 6 insurance through my personal insurance company.

So I am now doubly insured because Freedom Mortgage sent documents to the wrong address for more than six month. 

I want the redundant policy canceled and all charges to disappear from my escrow account. My mortgage documents were approved with the requirement that the condominium be insured and it was approved by the lender under those conditions.
Consumer complaint received 2018-03-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (FL) (NY)

i take my credit very serously, always on time and pay bills in full. i am a member of XXXX and recieve monthly updates about my credit. a couple weeks ago i recieved an email from them about a decrease in score due to a debt collection. turned out to be a XXXX dollar medical bill that i never recieved any notification for, neither from the drs office nor the collection agency. i was so upset as im in the process of purchasing a home. i reached out to the drs office, which is in another state ( i went to XXXX school out t of state and relocated afterwards however my mother still lives at the address they had on file and always forwards me any mail she recieves. both the drs office and collection agency were extremely unhelpful. of course i paid the bill, but if it wasn't for my XXXX membership, i would still have no idea. im very upset, as there was clearly some mistake. noone even tried to call me. both the drs office and collection agency admitted to that, which i dont understand.
Consumer complaint received 2018-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NJ)

In XXXX, upon checking my credit report, It came to my attention that a Synchrony Walmart Credit card was opened fraudulently in my name. I sent debt validation letters to both Synchrony and XXXX XXXX XXXX, and for a month it was either Synchrony saying they sold the account to XXXX   XXXX and that I should deal with them directly. 

I sent XXXX my FTC Identity Report along with other supporting documents, and I never heard anything back. XXXX XXXX, tried to sue for another account that was opened fraudulently, so out of fear of being sued and dragged back into a courtroom I took a settlement paying a total of {$510.00} I sent Synchrony Bank a packet of information with supporting documents, and recently Synchrony Bank sent me a letter in the mail and ruled in my favor that the Account ending in XXXX was opened fraudulently. 

Every time, I asked XXXX for debt validation they sent me the attached letters. It just states that Synchrony sold the account to them and that was enough to establish its validity.
Consumer complaint received 2019-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (CA)

I have an account in collection with NCB Management Services Inc. On XX/XX/2018 I agreed to a payment arrangement with them and gave them permission to withdraw funds via electronic check from my checking account every month on the XXXX. 

I never give out my banking information, but agreed since they contacted me on my mothers phone ( not sure how they obtained this information ) and I was eager to resolve this account. 

On XX/XX/2018 an electronic check for {$780.00} was paid to XXXX XXXX Bank and initiated by XXXX XXXX ( Trace # XXXX XXXX XXXX XXXX XXXX ) on my checking account. 

On XX/XX/XXXX, the electronic check I approved for NCB Management Services went through for {$30.00}. 

Again on XX/XX/2018 another electronic check went though for {$310.00} paid to XXXX XXXX ; no name attributed to this charge ( Trace # XXXX XXXX XXXX XXXX XXXX ) Once more on XX/XX/2018 an electronic check went through for {$120.00} paid to XXXX XXXX ; no name attributed to this charge ( Trace # XXXX XXXX XXXX XXXX XXXX ) And again, On XX/XX/2018 another electronic check went through for {$300.00} paid to XXXX  XXXX by XXXX XXXX ( Trace # XXXX XXXX XXXX XXXX XXXX ) After this transaction the checking account was closed. My bank denied payment to all the above transactions except to NCB Management. Since I have closed the account I request that prior payment arrangements be denied and I have not contacted NCB to make new arrangements.
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (GA)

I have an XXXX XXXX XXXX credit card where I make a {$50.00} minimum payment I recently have gone through financial hardship and have been late on making a few payments. The credit limit is {$620.00} but the balance is {$1000.00}. Almost half of the balance is interest and late fees.
Consumer complaint received 2019-02-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

I set up a reduction rate payment plan with Navient on XX/XX/2018. They insist on asking you questions and getting detailed numbers on your entire life expenses before the person on the phone determines what your payment plan should be. I begged the Navient employee to help me with a payment that could be lower than {$400.00} because I am already paying another loan servicer $ XXXX and that will make me have to pay double rent every month. She said over and over again that my payment would have to be {$420.00} ( previously {$390.00} ) and they couldn't go any lower because " that's what the system will allow ''. So I eventually agreed and gave my debit card to have the money taken out ( they said I can only have the rate reduction program if they have my card information ). The first payment was scheduled to be taken out on XX/XX/XXXX but it wasn't and now I'm delinquent a payment. When I called today and spoke with XXXX, employee ID XXXX, she told me she couldn't do anything about it and my bank " didn't allow the payment ''. I begged her to bring my payment current and she said there's nothing she can do to help me lower my payment or bring me current.
Consumer complaint received 2019-02-11
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)

There is detailed information on two of the accounts that I've been disputing with all three bureaus. Under the FAIR credit reporting act ( 609 ) it states that if the information being reported isn't accurate, complete or verifiable it must be corrected or deleted. There is a collection with XXXX XXXX XXXX XXXX that's been reporting inaccurate information, plus I'm not aware of this crteditor either. The XXXX/XXXX account isn't reporting accurately higher and I need them to correct the late payment that's holding me back.
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (KY)

They reduced my credit limit by {$7000.00} when I was about to use it, of course. They refuse to tell me why and only refer me to a letter that has been supposedly sent, but never received. So I can't get any information as to why and there was not a notice received by me. 

In addition, after I chatted with someone named XXXX, who refused to answer why the limit was reduced, I gave her a poor survey and suddenly I'm locked out of my online account.
Consumer complaint received 2018-03-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

On XX/XX/2017, I requested validation from XXXX XXXX regarding a collection they are reporting with the three credit bureaus. As of this day they have failed to validate the alleged debt they are attempting to collect. Since they continue to report this to the credit bureaus and have failed to validate the debt they are in violation of the FCRA and my rights. I've sent the attached certified letter with return receipt.
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (LA)

My mortgage servicing company is reporting that I have not made a payment on my mortgage since 2017. I have been making my payments to them. I tried calling and writing them to correct this but it's still remains the same.