davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
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. (OH)

This is a complaint against Experian, XXXX XXXX, and XXXX regarding a collections on file from XXXX XXXX. 

This collection originated from XXXX for an early termination fee ( ETF ). I have not been a customer of XXXX since XXXX. 

When making plans to cancel my service with XXXX, I spoke to the customer service department to get the correct date for cancellation. I kept my service for another six months in order to cross the contract 's line before terminating as instructed. 

I was never invoiced for this ETF from XXXX nor did I receive any calls regarding this fraudulent charge. 

In XXXX, XXXX sold the bogus debt to XXXX XXXX, XXXX. 

XXXX XXXX has contacted me by phone multiple times, however I told them to send me the details in the mail so I had them in writing before determining what this collection was for. They never complied with my multiple requests over FOUR YEARS. 

Because of this failure of being upfront and credible, I've stopped answering any of their harassing phone calls and refuse to deal with them anymore. 

I've disputed this twice with Experian and they say they have done a satisfactory investigation into the matter. It is clear they have not because XXXX  dropped this exact collections filing IMMEDIATELY upon receiving my dispute. 

I attached XXXX  's documents to my dispute filing with Experian to serve as proof and make their job easier. Experian ignored said attachments. 

This is a ridiculous abuse of power over a small consumer 's credit during a time many of us need the protections of credit the most.
Consumer complaint received 2024-03-05
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. (FL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2019-04-24
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. (DE)

Equifax is nearly impossible to deal with. Their staff are incompetent, I'd be better off asking the wall for help. For the past 5 months I have been dealing with an issue with Equifax. All I want to do is remove an inquiry that does not belong to me ( XXXX XXXX XXXX XXXX , XXXX ). I can't do this because there's a magnitude of things that happen when I try. The Equifax dispute page doesn't work. Whenever I file a dispute or go to view the status of a dispute, I get an error saying " Sorry for the inconvenience, currently service is unavailable. Please try again later. '' When that error doesn't occur, I get listed with questions that are completely irrelevant to me which causes Equifax to completely ban me from submitting/viewing disputes. These things only happen when the actual dispute page loads ( which is rare, multiple computers and connections ). And even when I did successfully dispute the fake inquiry, for 30 days Equifax spammed my email multiple times a day saying they were processing my request. The email listed a long number that has absolutely no use. Thanks for that, Equifax.
Consumer complaint received 2020-11-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

Here below are the references for the transaction I made on the XXXX website on XX/XX/2020 Order # XXXX Purchased from XXXX  on XX/XX/2020 {$410.00} 100 % XXXX  XXXX XXXX XXXX XXXX  Transaction # XXXX Quantity : 1 The seller sent me a tracking number of the sending with XXXX that was a fake one. I never received the item as you can see in my review of the transaction with that seller. 
Your Review Very disappointing. This seller is a scammer. Please, for your good, keep the name and, and especially the picture of this watch in mind because you may see it under a different seller 's name. This is how that scammer operates : he will reassure and send you a " real fake '' XXXX tracking number after receiving the payment. And after, when you check the status of the sending, you will read that the item was delivered and he will no longer answer your messages. 

I then filled a complaint with XXXX. They told me that the complaint should be filled with Paypal because the payment was received by them. 
I filled my complaint with Paypal and in response, they told me that they are closing my case because the seller had provided a tracking number showing that the item was delivered and if I want, I can submit a complaint with my financial institution XXXX XXXX XXXX XXXX, what I did. 
In response, XXXX XXXX told me that they not examining my case because it has been closed by PayPal. 
I decided to submit the tracking number to XXXX asking to confirm whether the related item has been delivered and if not, to let me know if the item was still in their facilities. In response, XXXX told me that the submitted tracking number has nothing to do with me and they were well aware of this kind of scam. 
I forwarded XXXX 's response to both Paypal and XXXX XXXX and they are still ignoring me. 
Many thanks in advance to examine my case.
Consumer complaint received 2021-03-08
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. (MA)

This is a statement by myself, XXXX XXXX in regard to an ongoing issue that I have been having with XXXX XXXX. As of XX/XX/2020, I signed up with a debt management company to help me pay off my credit card debt because I have a hardship. All of my creditors accepted the program without any issues, except for XXXX XXXX. I worked directly with my credit counselor Faith for over nine months trying to get XXXX XXXX to accept the program. The management company submitted over ten proposals to XXXX XXXX and every time XXXX XXXX would verbally tell Faith and I that send a new proposal and we will approve it, but they never did. Faith and I have called XXXX XXXX namouras times in an attempted to understand why the proposal was not getting approved even though we were told it would be. One of the supervisors we spoke with told us the reason it isnt getting approved is that my XXXX XXXX account was on an internal program ten years ago! However, I know for a fact this is just not true! I have tried for many years to have XXXX XXXX lower my interest rate and was told many times that even though I had good credit they would not lower my interest rate. So, I know for a fact that I was never on an internal program with XXXX XXXX. I proceeded to ask the supervisor to show me proof of this program. She said XXXX XXXX will pull the paperwork that I supposedly signed ten years ago for this internal program. Seven to ten days go by and Faith and I decided to call XXXX XXXX back, we spoke to another supervisor and she told us that XXXX  XXXX had no record of me being on an internal program however, they still will not put me on the money management program, and she had absolutely no explanation as to why XXXX XXXX was still refusing to accept the proposal from the money management company! 
Additionally, thought out this last year regardless of XXXX XXXX not approving the program, the money management company has consistently been making my payment to XXXX XXXX on my behalf every single month! ( please see attached invoices ) So, even though XXXX XXXX has been receiving my payment they have been reporting on my credit that they are not getting paid, which is a flat-out lie! And on top of reporting nonpayment, they have also been charging me almost {$2000.00} in overage and nonpayment fees. And for the month of XXXX, they reported the payment was late a week before the actual due date. I have filled many disputes with credit agencies with no results. 
If any further evidence is needed in order to get this issue resolved please let me know because the money management company has all our calls to XXXX XXXX record, and Im sure they will be more than willing to help with this issue!
Consumer complaint received 2020-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (GA)

I was contacted by Sunrise Credit Services by letter in regards to a debt to XXXX XXXX XXXX I called as soon as I received the letter to dispute and was told to submit an email to that effect and I did a few days latter. In the letter I informed them that this was the second time I received a notice about a debt and that I did not owe it and updated my address and included my phone number in a letter dated XX/XX/2020. 
I assumed that they contacted XXXX XXXX XXXX and discovered what I had told them was correct because I returned the phone to them during my free look period after only having the phone about 10 days. The phone was returned because of poor reception in my area. Since my email I have not received any more letters or any phone calls. Nor did i receive verification of the debt. I received a message that my credit rating was dropped and inquired to find out Sunrise had reported it to my credit report as a collection. Causing a stain on my perfected credit rating.

I ask that the collection be removed from my record and to be sent verification of the debt. I now have a different phone and my carrier is XXXX XXXX XXXX I believe they would have told me about this bill before allowing me to get service with them. 
I contacted XXXX XXXX XXXX and was not told that there was no balance due.
Consumer complaint received 2022-10-17
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 60 days straight with XXXX  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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXXhree negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm writing to complaint to TRANSUNION about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and I go by XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus.

This is a legitimate inquiry of information and declaring.
Consumer complaint received 2022-10-17
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: NEW YORK COMMUNITY BANCORP INC (NY)

I'm trying to get pay my mortgage to get it current with Flagstar Bank. However they are not allowing me bring it current unless my make a lumps payment. I told i can not come with the that whole amount and would like a payment plan and they are saying they can not do it. I told gave them paystub showing that we will be able to make payment regular but they are not trying to listen to me. I told them the hardship i was having still they don't want to help. I XXXX XXXX XXXX, my wife was hospitalize. I hate having to tell my private matter to everyone. my life is getting better my wife is working and we are doing better. All i want is to get things back in order with FlagstarBank
Consumer complaint received 2022-10-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

letter date XX/XX/22 amount : {$710.00} I called the company on the XXXX of XXXX to inquire why I am in collections. I gave them the last four of my social and birthdate and they were unable to verify with the information that they have on file. I attempted to dispute and was bounced around and with three different people who couldn't help me and ultimately left on hold.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Accurate Background (CA)

Accuratereach background check completed on XX/XX/22 listed XXXX XXXX identified with the last four numbers of my social security number. I have never used the name XXXX XXXX. This is identity theft. I notified multiple Consumer credit bureaus regarding XXXX XXXX using my social security number approximately 37 years ago. They placed an identity theft alert on my file. I request an update be added to my file. Thank you.
Consumer complaint received 2022-12-14
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. (VA)

I the consumer XXXX XXXX XXXX XXXX; sent a letter certified mail to trans union about their reporting of my consumer information, facts ; in 15 usc 1681 stating that they must investigation to evaluate the credit worthiness of a consumer, which they can not do neither a number can really determine my credit worthiness, also pursuant to 15 usc 1692g ( a ) no validation has been obtained in any of the info they are reporting which is as defined by 15 usc 1692e, False and misleading also a contradiction to FCRA. I was also informed by the supervisor that can report without following any procedures they report what they are giving no investigation is needed ( XXXX supervisor of fraud ).
Consumer complaint received 2016-01-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

Overdraft fees were computer manipulated over the holiday week of XXXX and new years. All the money was in my account to cover all with drawals. Some transaction did not show for a week. With ease money was switched from my account to citizens bank. Simply Bank fraud and manipulation. I have been overseeing the manipulation for 40 plus years. I appreciate your agency help me return my hard earned money.
Consumer complaint received 2020-11-10
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: Freedom Mortgage Company (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-10-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I recently tried to dispute a transaction with one of my credit card issues, and Transunion did not provide a means on their website to dispute the transaction rather than disputing the entire account. 

Additionally, when I finally to information on how to do this, it could not be done on their website - I had to give it verbally. And it is unclear whether they changed what I was disputing or not. I got no notification from them clearly outlining my dispute. 

So then I tried to add a 100 word statement to my dispute and was told that this could not be done from their website and rather that I had to jump through a bunch of hoops sending them postal mail correspondence with my statement and copies of 2 forms of ID 's. 

Other credit reporting agencies ( XXXX and XXXX ) also appear to require postal email to dispute a finding- it can not be done on their websites either - but at least they provide some instructions. 

Why is it so hard for a consumer to protect their credit and yet so easy for a bank to fraudulently try to ruin it?
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX XXXX : {$980.00} XXXX  XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2000.00}
Consumer complaint received 2020-11-10
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 contacted TransUnion via mail with a letter stating that I do not recognize several inquires in XX/XX/XXXX. I have contacted TransUnion without receiving the resolution. I have a fraud alert placed on my account. I have been in the credit burea system since XXXX in which I was XXXX years old. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These all should be removed per my letter I sent to TU