davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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. (NY)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I had a leased XXXX XXXX through XXXX XXXX XXXX, acccount # XXXX, Starting XX/XX/XXXX to XX/XX/XXXX with all payments on time.I returned the vehicle before XX/XX/XXXX at the end of lease, and was told that a bill would be sent to me in 45 days or so. I never received a bill until I found out around XX/XX/XXXX that I had been reported delinquent, and my FICO score had dropped by over a 100 points! I started communicating with XXXX XXXX on the phone and was told that a final bill had not been sent, however a bill of {$900.00} was showing over 30 days due. I have no way to dispute this charge, It was supposed to include wear and tear and lease end fee. I am astounded that XXXX XXXX  makes such mistakes, and holds itself holier than though. 
As a customer I am at a loss of words as to how the Compliance and Audit departments at XXXX XXXX XXXX   accept this kind of business. 
As a consumer, I have a right to receive a bill, and be given sufficient time to pay this bill. Not having done that, they have used the fair credit reporting tool as a weapon against me, and ask me to pay a price for their blind misdeeds. I have asked for an immediate correction of their misreporting, and I expect a financial adjustment be made to correct the harm done to me.
Consumer complaint received 2022-07-05
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. (NC)

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

15 U.S.C 1681 section 602 A. States that 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 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I submitted paperwork to XXXX, XXXX, and Experian on XX/XX/2021 and I have yet to get a response stating the findings of the investigation into my credit report. The fact that this situation has my future on hold is frustrating. I need them to do their job and ensure my report is correct.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a leased XXXX XXXX through XXXX XXXX XXXX, acccount # XXXX, Starting XX/XX/XXXX to XX/XX/XXXX with all payments on time.I returned the vehicle before XX/XX/XXXX at the end of lease, and was told that a bill would be sent to me in 45 days or so. I never received a bill until I found out around XX/XX/XXXX that I had been reported delinquent, and my FICO score had dropped by over a 100 points! I started communicating with XXXX XXXX on the phone and was told that a final bill had not been  sent, however a bill of {$900.00} was showing over 30 days due. I have no way to dispute this charge, It was supposed to include wear and tear and lease end fee. I am astounded that XXXX XXXX makes such mistakes, and holds itself holier than though. 
As a customer I am at a loss of words as to how the Compliance and Audit departments at XXXX XXXX XXXXl accept this kind of business. 
As a consumer, I have a right to receive a bill, and be given sufficient time to pay this bill. Not having done that, they have used the fair credit reporting tool as a weapon against me, and ask me to pay a price for their blind misdeeds. I have asked for an immediate correction of their misreporting, and I expect a financial adjustment be made to correct the harm done to me.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I submitted paperwork to Equifax, XXXX, and XXXX on XX/XX/2021 and I have yet to get a response stating the findings of the investigation into my credit report. The fact that this situation has my future on hold is frustrating. I need them to do their job and ensure my report is correct.
Consumer complaint received 2019-08-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Applied Data Finance, LLC (TX)

I was the victim of identity theft and when going through my credit history saw an inquiry. I called them to see if an account had been created and the first representative practically refused to help me. I explained to her several times the reason all the details didn't match was because I was the victim of identity theft. Where the other banks/credit card companies had been very respectful and helpful she was rude and implied I was up to something. Her supervisor acted similarly. They also refused to tell me details about the loan ( e.g. how much ) and said they would not even flag this account until the forms were received ( on my next call they said it was flagged it and the account had not been approved - leaving me unsure of what the truth is ). The forms are not secured online. They are pdfs they require to be emailed to a generic contact email address that the entire organization uses. This is my only option to get the account cleared, yet I have to expose my personal information and make myself vulnerable to a secondary attack to get it cleared. It seems dangerous, cruel, and unfair. Every other bank was able to make this go away in a few clicks rather than make me vulnerable to a secondary attack. I was also told that they do not have a fraud department that the email just goes to a customer service rep. This is concerning since they are an online bank only and would be more likely target for fraud.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( A ), I have sent letters to TransUnion, XXXX and XXXX. TransUnion and XXXX have sent letters back but the incorrect information was not fixed at all. XXXX has not responded at all and its been more that 30 days its been 90 days and it is still negative incorrect information on my credit report. This is beyond ridiculous and unacceptable! They continue to report harmful stuff on me and violating my rights. Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX
Consumer complaint received 2020-02-13
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

On XX/XX/2020, I contacted the general number to attempt to settle my debt. I had been working with a debt collector by the name of XXXX XXXX. I wanted to speak to her and was told I wouldn't be allowed to. I told him I wouldn't be able to make a payment previously agreed upon. He told me and I quote " you don't get to speak to XXXX. You don't get to pick who your talk to. Grow up boy and that payment on Monday better be good. Get a real job. '' This abusive contact deterred me from working with the company. I told him I wanted to cancel any payments and cease working with them and he did not cancel the payment and said the money better be there. This was absurd and abusive. He was using coercive and intimidating language in an attempt to secure the funds and then hung up on me without confirming the payment would be cancelled. I do not wish to work with this company any longer and will not subject myself to their predatory practices again. They called me back and blatantly lied to me saying they told me about the letter they sent me offering a 50 % discount on the debt. It was on a recorded line when he told me over the phone that they could settle for no more than 20 % off. These lies and treachery are an embarrassment and make an already difficult situation, more difficult. The insults received from an unnamed employee were also on a recorded line.
Consumer complaint received 2022-10-11
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I pulled my credit to myself to check the reason why my score was so low. I knew I was paying all my bills on time and just could not understand why my credit was not going up. My identity has been compromised. There are a couple of items on there that are not mine. I have never seen these items in my life. Please remove the items from my report.
Consumer complaint received 2022-10-11
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-08-01
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. (WA)

The following accounts were on my credit report as Charge off with balance on my Experian and XXXX credit report:XXXX  XXXX****, XXXX XXXX XXXX XXXX****, XXXX/XXXX XXXX****, XXXX/XXXX   XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX****--- I have never been late on these accounts. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances.? XXXX  have remove this debt why is Experian and XXXX  not complying!!!
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (RI)

Experian placed a fraud alert on my credit report. I submitted all necessary documents to have this removed on XX/XX/2020 yet it has not been removed yet. this is in violation of the FCRA.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself to check the reason why my score was so low. I knew I was paying all my bills on time and just could not understand why my credit was not going up. My identity has been compromised. There are a couple of items on there that are not mine. I have never seen these items in my life. Please remove the items from my report.
Consumer complaint received 2021-04-14
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. (TX)

remove : FCRA violations XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$210.00} Balance updated XX/XX/XXXX Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$210.00} - Payment Info Original loan amount - Balance {$210.00} Status date XX/XX/XXXX Additional info Comments Dispute resolved ; customer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX  Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX  Online or by Mail at XXXX XXXX XXXX, XXXX, PA XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$320.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$320.00} - Payment Info Original loan amount - Balance {$320.00} Status date XX/XX/XXXX Additional info Comments Dispute resolved ; customer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX  Online or by Mail at XXXX. XXXX XXXX, XXXX, PA XXXX
Consumer complaint received 2020-02-13
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)

Last month of XXXX my credit score from Transunion was XXXX. I checked my score this month today is XX/XX/2020. Transunion dropped my score 100 points. This is total XXXX  XXXX and I'm getting very sick of this! When I checked what changed through XXXX XXXX. They showed XXXX XXXX XXXX  was removed. So if the collection was removed why am I being penalized a negative of -100 points to XXXX?
Consumer complaint received 2022-10-11
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-05
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. (PA)

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 2022-07-05
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. (PA)

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 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Ive tried on multiple dates and time from XX/XX/XXXX through XX/XX/XXXX to fix these fraudulent issues regarding this account. Ive disputed and exercised my rights with the use of legitimate sources and instruments to obtain titles from this car loan that was not legitimate and fraudulent in many ways. They are reporting on my credit reports til this day. I have police reports and also have filed reports with the FTC on this company multiple times.
Consumer complaint received 2022-07-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NY)

I note that I am the homeowner and XXXX XXXX XXXX widow of a XXXX XXXX veteran of XXXX ( XXXX XXXX XXXX and XXXX XXXX employee. On XX/XX/XXXX, I took a {$640000.00} loan ( Option One - Opt XXXX loan ). Subsequent bank is XXXX Bank, servicer sequence is : Ocwen/PHH/XXXX. Ocwen/PHH state that no payment has taken place since the property 's foreclosure status - as of XX/XX/XXXX. However, there is a satisfaction piece dated XX/XX/XXXX, but it was never recorded and has disappeared from the XXXX XXXX Clerk Website in XXXX XXXX, NY. I have a copy of the satisfaction piece ( as well as other data confirming the payoff ( credit repair company was informed by Ocwen in writing that the loan was paid off, and an IRS form stating same ). In addition, all the signatures after XX/XX/XXXX, on ALL paperwork ( including subsequent refi applications/modifications ) are not mine - someone has falsified and forged all relevant signatures, of which I have proof. Moreover, no one has apprised me of any assignments that haven taken place either. I have ALL the forged documents and have come to find out that someone other than myself has attended settlement conferences in my stead - facts that I have apprised XXXX Bank, Ocwen/PHH/XXXX of XXXX but apparently to no avail.
Consumer complaint received 2022-07-05
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. (PA)

1

5 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 2022-07-05
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. (GA)

In accordance with the Fair Credit Reporting act 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 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (NJ)

I had 35000 points on my credit card for a {$350.00} gift card, this individual hacked my account and redeemed and cashed my gift card. The rewards and credit card issuer refused to investigate as they claim I redeemed those rewards and put in the following email address " XXXX '' instead of the email that is posted on all of my accounts as " XXXX ''. Since the rewards program sent it to the incorrect email BUT was redeemed ( By the hacker ) - they will not investigate or redeem my rewards points. 
The email address is no longer valid as well as the website. It took me a long time to accumulate 35000 points and I am furious that NEITHER the credit card or rewards company will investigate this as a fraud issue. The card issuer is US Bank/ Rewards program XXXX XXXX I was told by the rewards people that this was redeemed at a XXXX dealership in XXXX NY, but they will not track the card # to find out who cashed it. XXXX is XXXX miles away from me! 
Please have them review the history of this account and notice the number times I had to file for fraud charges and have the card replaced! 
I have had nothing but issues with this credit card and rewards program, but their refusal to investigate a fraud issue for a long term customer is completely unacceptable. 

Please help resolve this issue as I have run out of options!
Consumer complaint received 2022-02-12
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: The Outsource Group, Inc (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.