davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im trying to help my son with starting his business and he needed me to cosign for him a business loan. We went to the bank and I was approved because of items on my credit that is not mine. My son has finally got his life together and it hurts me to know that I cant be of help to him. I contacted the police and the FTC. Please remove the items from my credit report. XXXX, XXXX and XXXX.
Consumer complaint received 2022-01-07
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: MicroBilt / PRBC (formerly CL Verify) (FL)

XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from MICROBILT, I never contacted or contracted with this company. I contacted MICROBILT by phone and letter. This is very frustrating and embarrassing, I tried challenging that they committed identity theft, Accuracy and Integrity but to no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions. 12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I hav had multiple ftc reports I have consistently complained and summits disputes I dont understand how easily a credit bureau can place things onto your credit only to hurt or against you and they can not verify it or just remove it without penalty XXXX XXXX XXXX I have never had a account with them I never had service with them please immediately remove them
Consumer complaint received 2023-06-27
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. (AL)

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-19
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)

The credit repositories responded to my letter dated XX/XX/XXXX, & the documents I submitted both on their web site, or by fax, and through the CFPB. They stated I would receive a response to my concerns within 30 days from the date they receive my request. It is well beyond that time frame. 

As shown on the CFPB site, I requested a documented response containing the following : date of contact, the creditors contact information, the name of the person who verified the information, did they provide the credit bureau with my SSN, address, and DOB? 
Additionally, concerning XXXX XXXX, what information was provided allowing this company to report to the bureau 's " before '' the required 60-day grace period had ended after my Mortgage transferred from XXXX  XXXX XXXX, to XXXX   XXXX  XXXX? 

I also asked why the " accurate information '' provided by creditors, had not been removed on my request. The agencies must remove credit items already reported as closed after seven years of reporting, per the " California Bill of Rights. '' Instead I received a updated credit report dated XXXX without removing these items, or providing answers and proof to my requests. The back and forth of disputes began on XX/XX/XXXX and I am no closer now to accurate reporting than to their first response on XX/XX/XXXX.
Consumer complaint received 2022-08-28
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. (SC)

On XXXX I disputed inaccuracies, I came across my credit report from Experian, and XXXX XXXX XXXX XXXX XXXX 


Both credit bureaus had vast discrepancies in the information reporting, although their investigation results dated ( Experian ) XXXX advised they were still investigating, and it should be completed by XXXX. Which is past the 30 days allowed. The investigation did not change information reporting, there are still inaccuracies. I sent a method of verification request on XXXX via certified mail. That request was ignored by both credit bureaus. I have yet to receive that information which is now past the statue time.
Consumer complaint received 2019-02-07
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC (NY)

They sent a letter back in XXXX to my daughter who was just starting to work a real job. In XXXX they file a judgement but we never got our day in court. Next thing we knew they added me and sent a letter out via Sheriff 's Office of a wage execution to start immediately. Fast forward it's now XXXX and {$14000.00} has been paid between the two of us. There is a balance of {$2800.00} left but due to the penalties which includes poundage fees and interests we will never truly be free of this debt. 
The original amount borrowed was XXXX back in XXXX. The Statue of limitations was up in our State of New York and we were never  given a court date. We have discovered that XXXX XXXX XXXX XXXX XXXX XXXX has been sued by the Consumer Financial Protection Bureau for illegal Student Loan Debt Collection Lawsuits as well as Investigated by the New York State Attorney General 's office. We are seeking to vacate this judgment for improper service by their Attorneys Rubin & Rothman. LLC located in the State of New York at XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. 
Telephone # XXXX.
Consumer complaint received 2020-08-03
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. (AR)

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX $ XXXX XXXX XXXX XXXX {$150.00}
Consumer complaint received 2019-02-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (GA)

I contacted XXXX XXXX XXXX ( XXXX  ) to inquire about my student loan debt, but they could not prove the amount. I asked for paperwork and it took a long time for them to supply it. In addition, a large portion was fees that were owed was payable to their company. In addition, in XX/XX/XXXX they agreed to forgo wage garnishment until I validated the debt. I received a notice of cancellation of garnishment in XX/XX/XXXXbut a notice of wage garnishment in XX/XX/XXXX. This is not enough time to research a decades-long debt. I was told to send an email to XXXX and I did. They stated that they received no such email. Finally, they did not offer any reasonable repayment amount as I am recovering from XXXX  and I only have a part-time XXXX XXXX position.
Consumer complaint received 2019-02-07
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. (CA)

I have a store credit card with XXXX XXXX XXXX. I have always made my payments on time. I have noticed while looking over my credit report that there was a 30-day late payment on my credit report on all 3 bureaus. As  you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and TransUnion and XXXX XXXX  XXXX with no successful resolution. XXXX, XXXX, and TransUnion are all reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2018-10-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc. (TX)

I am contacting you to inform you that I am disputing the claim by XXXX XXXX XXXX that I owe a debt to them. My contract with XXXX XXXX XXXX had expired and I had a month-to-month arrangement with them. In XXXX of 2017 I informed them that I would no longer require their services as I was switching to XXXX. After much difficulty from them, I returned their equipment and my XXXX service commenced on XX/XX/2017. The XXXX XXXX XXXX bill was due on XX/XX/XXXX and by that date I was no longer using the XXXX XXXX XXXX service. The XX/XX/XXXX payment would have kept me in XXXX XXXX XXXX service up until the XXXX payment. I informed an XXXX XXXX XXXX representative that I was terminating my service with them and asked for instructions on returning the equipment.
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (NY)

National Credit Systems , Inc. ( NCS ) is collecting an alleged debt on behalf of XXXX XXXX XXXX XXXX ( XXXX ). XXXX was the landlord on a rental property to which I was a lessee. XXXX claims that I owe {$420.00}. This amount consists of a {$730.00} Notice to Vacate charge and {$370.00} in maintenance/cleaning charges, less the amount from my security deposit of {$680.00}, which XXXX has kept. 

I have sent several responses to NCS demonstrating that the {$730.00} charge was improper and not owed to XXXX because their tenants did not vacate early and they paid rent through the end of the lease term. The lease states that this charge is not owed " if you are moving out on the Lease term ending date, '' which is when the tenants moved out. The tenants also properly executed a " Notice to Vacate '' and filed it with XXXX. 

I further challenged the {$370.00} in maintenance/cleaning charges, requesting backup to prove that all of the claimed charges were necessary and were actually incurred by XXXX. 

Even if XXXX can substantiate the {$370.00} in maintenance/cleaning charges, XXXX still owes me a REFUND of {$300.00} for the improperly assessed Notice to Vacate charge of {$730.00}. 

Despite my timely communications with NCS, they have failed to address my dispute of XXXX 's claim and have reported this debt to collection agencies, thereby improperly and unfairly harming my credit score.
Consumer complaint received 2017-05-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: BB&T CORPORATION (PA)

I had  a 5 yr, CD with the Susquehanna Bank   XXXX   branch. Last year the bank was bought out by BBT bank. They changed my CD into a checking account. I never was told that was going to happen and when the statements came in the mail I noticed that the interest posted was much less I called to inquire about the changes. They told me that they had changed my CD was now a checking account. I had never been sent any checks, so again I had no clue this had been done. My former CD was paying around 2.5 % and now I have been getting .80 % I never complained to the bank, but this has been a burning question on my mind as to this was legal. I had signed a 5 yr. contract and I feel they had no right to change the terms. I do n't know how many people got burned by this, but Susquehanna was paying the highest rates in the area. I can not afford to hire a lawyer and I do n't know if this is illegal, but they did break my contract without consent.
Consumer complaint received 2019-05-25
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. (AL)

The accounts were never a past due, I never made a single late payment to these companies ever, please change this..I have a good relationship with the companies ... 
XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-25
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. (AL)

The accounts were never a past due, I never made a single late payment to these companies ever, please change this..I have a good relationship with the companies ... 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

The accounts were never a past due, I never made a single late payment to these companies ever, please change this..I have a good relationship with the companies ... 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-08-18
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: Bridgecrest Acceptance Corporation (TX)

I was involved in a car accident in XX/XX/XXXX, which resulted in my vehicle being a total loss. After two months of negotiating with the insurance company, a settlement was offered and a check for {$7500.00} was sent to the financing company Bridgecrest on XX/XX/XXXX. Once the payment was applied there was a final balance of {$1300.00} that I was responsible for paying. I received a letter from Bridgecrest on XX/XX/XXXX, indicating that my next scheduled due date would be XX/XX/XXXX. 

Unfortunately, Bridgecrest chose to close my account on XX/XX/XXXX, due to a lack of payment for 90 days and reported my account as a charge-off to all three credit bureaus. I have never received a phone call, email, or letter from Bridgecrest to advise me that my account was delinquent. I became aware of the charge-off due to an alert from XXXX indicating that my credit score decreased. After viewing my credit report, I immediately contacted Bridgecrest to have the error corrected, but I was told that the information was correct and my account would continue to report as a charge-off until the debt was paid. I advised the customer service agent that I received a letter from Bridgecrest indicating that my next payment is not due until XX/XX/XXXX, but nothing was done to correct the erroneous information reported to all three Credit Reporting Agencies. 

According to the Fair Credit Reporting Act, I decided to contact each Credit reporting bureau to file a dispute to investigate the false information. I provided XXXX with a copy of the letter from Bridgecrest to support my complaint to have my credit report updated to show " paid as agreed '', and after waiting 30 days for a response from Bridgecrest, I was advised that the information was correct and no changes could be made to change the information reported by Bridgecrest. I called XXXX to speak with an agent to make sure that the letter from Bridgecrest was considered in their decision and I was advised that it was considered, but XXXX does not have the authority to delete information that is reported by a Creditor, and the customer service agent offered to resubmit my dispute. 

My initial dispute was submitted in XX/XX/XXXX, a second dispute was submitted in XX/XX/XXXX, a third dispute was submitted in XX/XX/XXXX, a fourth dispute was submitted in XX/XX/XXXX, and each dispute has been sent back to me indicating that the account has been reported correctly as a charge-off. My recourse before filing a lawsuit against this company is to reach out to the Consumer Financial Protection Bureau for some resolution.
Consumer complaint received 2020-07-30
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. (IL)

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. DEPT OF ED/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, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2022-08-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (MI)

In XXXX of this year I applied for the XXXX program because I needed assistance post Covid with paying my mortgage I have went back-and-forth with the mortgage company the state of Michigan is telling me that the mortgage company has not submitted the required documents they have not been able to get in touch with the lender to send the proper documents so The payments that are behind can be taken care of through them I have program I have spoken to the state of Michigan and to Planet Home Lending Planet Home Lending is saying that they have submitted the paperwork but theyre still calling me harassing me about the past due payments I am scheduled to start paying my mortgage again in XXXX which is no problem but I need Them to release the paperwork to the state of Michigan so the past due will be paid
Consumer complaint received 2020-06-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (CA)

I was told that my loan interest through The XXXX XXXX was approved for 3.375 % using United Wholesale Mortgage and would close 3 to 4 days after signing. I signed the loan documents on XX/XX/2020. Several days later my loan was frozen and reworked with a higher interest rate of 3.875 %. The loan agent said she would make up the difference by sending me a cashiers check for {$1100.00} to make up the difference. 
I believe this was a bait and switch scheme