davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
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: DISCOVER BANK (MD)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureau. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. DISCOVER BANK XXXX Balance {$0.00}
Consumer complaint received 2022-03-12
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: Upgrade, Inc. (TX)

In XXXX of XXXX i noticed transactions being charged to my Upgrade credit card account from XXXX, although i do have an XXXX the transactions did not come from my account. I reached out to XXXX and because charges were not made in my account they could not return anything. Contacted Upgrade billing/fraud dept, provided them with proof of purchases not coming from my account and even ask them to reach out if they needed me to colaborare with any additional information ( which they never did ). I did get a provisional credit back in XX/XX/XXXX but today receiven an email notification saying theve decided to decline my cliam and charge everything back. The transactions were the following : XX/XX/XXXX XXXX XXXX$46.00}, XX/XX/XXXX AXXXX {$41.00}, XX/XX/XXXX XXXXXXXX {$100.00}, XX/XX/XXXX XXXX {$32.00}, XX/XX/XXXX XXXX  {$35.00} and XX/XX/XXXX XXXX {$5.00}. There were a lot more transactions but were thankfully blocked by them as they were identified as fraud. I have my XXXX transaction history, i can contact XXXX again, anything you guys need or the upgrade credit card needs i Can definately cooperate to proof it was certaily not me making this purchases. 

Ps. Included screenshots of contact hostory, they inky reachout once on XX/XX/XXXX, then i replied immediately to their email on XX/XX/XXXX ( twice ), because no response was received i reach out again on XX/XX/XXXX by email again ( had tried by phone twice but could not get through for some reason ) and finally got reaponse from them on XX/XX/XXXX sayin still working on my case. Then XX/XX/XXXX from XXXX ( a diferent fraud specialist from the original ) a notification the claim was declined.
Consumer complaint received 2023-03-20
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. (AZ)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  inquiry XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XXXX  XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XXXX  XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XX/XX/XXXX2 Do not recognize, may be unauthorized XXXX XXXX  6/06/22 There are multiple inquiries all within one day of each other on my credit report but I only authorized one. Please remove all of these unauthorized inquiries immediately.
Consumer complaint received 2022-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit reporting Act, XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXX  XXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX # XXXX , has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-10-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (SC)

I have been receiving phone calls from Cash Central USA since XX/XX/XXXX informing me that my application had been approved for up to {$10000.00}. I called them on XX/XX/XXXX to inquire about my application and agreed to take a loan out for {$3000.00}. One of the company 's loan officers, who identified himself at XXXX XXXX completed my application and told me that another loan officer, XXXX, who disperses the loans would be in contact with me. XXXX called me later in the evening and told me that because my credit score was not above 700 that I would have to go through another process to increase my score. This process would involve money being deposited into my account and I would have to go to XXXX the next morning to send the money back and then I would receive the entire loan amount. I'm skeptical because on my bank statement it says " Mobile deposit {$900.00} '' but no updated balance. I believe this is a scam.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I have requested three or more times now that all negative accounts on my credit reports be investigated as they are not familiar, and my XXXX loan should have XXXX balance after XXXX plus years of payments so past the statute to collect on them after this amount of time per law the balance left is to be canceled and I also have XXXX years of eligible employment for the XXXX from XXXX XXXX XXXXXXXX XXXX State of IL XXXX and Dept of the Treasury IRS. Yet Experian just keeps getting the dispute and just turning around and not investigating and a day later sending me the same information, THIS IS ILLEGAL!!! ENFORCE THE FDCPA AND FCRA LAWS!!! I have provided a copy of my student data file for XXXX, these loans did NOT restart when the government changed loan servicers, but they started way back in 1993 and were consolidated by the government twice!!! It is THEIR JOB to have all of this information and not MINE to provide it to them!! Yet I still provided it!!! I want this complaint shared with the IL ATTORNEY GENERAL AND I WANT ALL CORRECTED AND REMOVED NOW!! AND DO NOT CLOSE ANY COMPLAINT AGAINST THEM ALL UNTIL ALL IS CORRECT AND FINE THEM DAILY UNTIL THEY DO CORRECT ALL!!
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX and XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 U.S.C 1681q Obtaining information under false pretenses shall be fined under title 18 and imprisoned for not more then 2 years, or both. Failure to remove these accounts within the next 4 days upon receiving these receipt. Will be put on notice of a law suit that within my rights.
Consumer complaint received 2022-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (AZ)

I have recieved several notices for this debt and paid them by letter each time. I would recieve another a month later saying it wasnt paid. I recieved a " Final Notice '' in febuary and paid it over the phone on XXXX XXXX with the them. Now it has been reported to you despite me paying it 4 separate times because they dont have a website I used the letter envelope they provided. The last time I spoke with them directly on the phone and settled this.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

On the day of XX/XX/XXXX my XXXX  credit score was fraudulently impacted without any delinquencies on my companys credit report. 

Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX
Consumer complaint received 2018-10-25
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. (NJ)

My XXXX student loan account is in forbearance. 

XXXX has not notified the credit bureaus with the correct information concerning my account. 

My credit is negatively being effected and it is against the law for XXXX not to be updating the credit bureaus with the correct information.
Consumer complaint received 2018-10-25
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. (NJ)

My XXXX  student loan account is in forbearance. 

XXXX has not notified the credit bureaus with the correct information concerning my account. 

My credit is negatively being effected and it is against the law for XXXX not to be updating the credit bureaus with the correct information.
Consumer complaint received 2022-03-12
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. (SC)

In accordance with the Fair Credit reporting Act, XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXX XXXXXXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXXXXXX XXXX # XXXX and XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX , has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-10-25
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. (NJ)

My XXXX  student loan account is in forbearance. 

XXXX has not notified the credit bureaus with the correct information concerning my account. 

My credit is negatively being effected and it is against the law for XXXX not to be updating the credit bureaus with the correct information.
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I received an email for XXXX XXXX indicating that my account was closed with Lowe 's Store card. I haven't missed any payments on the account. I went online and found out that they will close your account when your credit score goes down. When they closed the card it made my credit score go down more. I have read lots of negative review when it comes down to this store card.The card is run by Syncrony Bank that is owned by GE. It is shame how they treat people like that. I would suggest people stay far away from this store card. Very shady practices when it comes to it. The Lowe 's store is great but the credit card is XXXX.
Consumer complaint received 2017-06-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (WV)

I have received multiple calls from  XXXX  - Penn Credit Corporation. They always hang up if I answer the phone, but if I do n't answer the phone they leave an automated message telling me to call them back about a debt that is owed. When I call them back they refuse to give me any details of the debt unless I provide a variety of personal information about myself. I refuse to do that as I believe their company is conducting some sort of a scam. I told them I do n't owe any money and I pay all of my bills. I have n't received anything in the mail regarding a debt. They ask for my mailing address. I do n't give it to them because I believe this is part of the scam they are perpetuating. I have looked them up online and all of the comments seem to point to the same conclusion - scam. Please have them stop calling me, and if possible shut them down before they rip any more people off.
Consumer complaint received 2023-03-20
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX A XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-20
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$2000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$1000.00} US DEPT ED XXXX Balance : {$930.00} US DEPT ED XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX.
Consumer complaint received 2022-03-12
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: Experian Information Solutions Inc. (IL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-12
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. (LA)

In accordance with the fair credit reporting act convergent : XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 section 604 A section 2 states consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-10-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (TX)

The original closing date on our home was set for XX/XX/2018. However, the builder did not complete the finish-out punchlist on time, so we did not have adequate time to have a third-party inspection, a revised punchlist completed, and a second/final walk-through on-time for the closing. The closing date was then pushed back to XX/XX/2018. 

Our loan consultant with Caliber Home Loans, XXXX XXXX, failed to send us a revised Closing Disclosure. The last correspondence ( disclosure ) was dated XX/XX/2018. At the closing we were shocked to see that we were not receiving the full amount of credit back we anticipated. Our realtor, XXXX XXXX, transferred {$1500.00} of her sales commission toward our closing costs, however, most of that amount went towards the prepaid interest on the house at a rate of {$41.00} per day from XX/XX/18 to XX/XX/18. 

Ms. XXXX failed to inform us of this huge increase at closing in any form of communication. As first-time homebuyers this was shocking, embarrassing and deflating. We ended up losing {$690.00} to interest fees instead of the {$41.00} we originally saw. Ms XXXX did not educate us on this key piece of information. In fact, she was surprised at the time XXXX XXXX reviewed the documents at closing with us. 

We contacted Ms. XXXX and Caliber Home Loans on a few occasions to try to rectify the situation among ourselves ( the last one being XX/XX/18 ) but a representative at Caliber on XX/XX/18 said we would have to file a complaint with CFPB to see any action taken.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the fair credit reporting act convergent : 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 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 section 604 A section 2 states consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-10-24
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)

These two accounts are wrong as stated below. 

Account more than 7 years old. Account is also not mines. 
XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$1000.00} Closed Account was issued a XXXX Should be XXXX balance. 
XXXX XXXX XXXX Closed : XX/XX/XXXX {$31000.00} Closed
Consumer complaint received 2018-10-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NJ)

I closed on my mortgage on XX/XX/2018. The mortgage company is Freedom mortgage. I held the the mortgage for approximately 10 years and never had a late fee. I was told that since I did not send my XXXX payment in, due to closing that was scheduled for XX/XX/2018, and it was over 30 days, they had no choice but to report against my credit. It was one day over 30 days when the mortgage was paid in full. 
Freedom mortgage XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-20
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 — Investigation took more than 30 days
Company: LEXISNEXIS (NC)

On XX/XX/2018, I sent a direct dispute to LexisNexis Consumer Service Center via certified mail with electronic return receipt. It was received on XX/XX/2018. I received a letter from XXXX stating the dispute had been verified. As of XX/XX/2018, I still had not received a response from LexisNexis and my credit reports had not been updated to reflect the dispute. So I sent another letter certified mail with electronic return receipt, which was received by LexisNexis on XX/XX/2018. The response I received from LexisNexis was dated XX/XX/2018 and postmarked XX/XX/2018. The letter states, " You recently requested LexisNexis initiate on your behalf a dispute with XXXX ... ''. My direct dispute to LexisNexis was clear. LexisNexis has both a legal and ethical responsibility to validate my dispute. I find theresponse and actions taken by LexisNexis to be both illegal, unprofessional, and dishonorable.They have severely and illegally impacted my rights as a consumer who lodged a formal directdispute with their agency. I have attached evidence to support my complaint.
Consumer complaint received 2018-10-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company has sent me a bill claiming I owe a debt. They posted the debt on my credit ( Transunion ). The company never gave me 30 days to dispute prior to posting to my credit report. This is against the Fair Trade Act.

This debt from XXXX XXXX is not mines.

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2016 {$4000.00} Original creditor : XXXX XXXX XXXX XXXX Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.

Thank you for your cooperation.