davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AmerAssist A/R Solutions, Inc. (TX)

Amerassist AR Solution is reporting a collection/chargeoff for {$200.00} on my XXXX XXXX credit file. I have never had applied for credit or owe a balance to this company. I have disputed debt numerous times with a direct dispute and through the credit reporting agencies. This debt has been on my account for 2 years and 7 months. I have requested proof that I owe a debt and have not received any documentation of what I owe or why this item is reporting on my credit bureau. This is a violation of the FCRA.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: AppFolio, Inc. (KY)

I have no knowledge for this false report in XXXX. I never signed any lease with this company that I supposed owe for damages in XXXX. I just graduated highschool in XXXX and never signed my own lease for anyone. This is interfering with me in XXXX  years later with being able to get a home for my XXXX children and I. This information is false and needs to be taking off my credit as soon as possible so I can get a home for my children and I. Please. And thank you!
Consumer complaint received 2019-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MI)

PHH mortgage company XXXX This mortgage company obtained our loan from another loan servicing company. We have never received any statements, any information Whatsoever from this company. They had our mailing address wrong and no phone number in the system. They refuse to work with me to develop a repayment plan on back mortgage, even when offering to make two payments right away upfront. 

This company has posted my home as a foreclosure sale without a 30 day notice. They are refusing to work with me on a loan modification and or replacement plan.
Consumer complaint received 2019-04-30
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. (IL)

Equifax and XXXX are reporting incorrectly that I am 30 90 days past due on the XXXX XXXX XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 2 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-09-18
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)

On XX/XX/2018 i sent letters to XXXX XXXX XXXX acct # XXXX asking them to validate this debt not verify. They sent me itemized list of charges fromXXXX XXXX I have also sent copies of debt validation letters to XXXX XXXX  and Transunion only to come back with response that it has been verified. How is that? when my rights as a consumer have been violated under FRCA and FCRA by XXXX XXXX XXXX. 

XXXX has them listed as a factoring company since XX/XX/2018 until current with conflicting open dates with the other credit reporting agencies and reporting late payments? How is that when a COLLECTION ACCOUNT DOESNT SUPPOSE TO REPORT LATE PAYMENTS? HOW WAS THIS VERIFIED OR VALID I have also filed a case with XXXX case # XXXX CASE # : XXXX Thats just 1 of the multipli inaccuracies!! Please help with this account so that i can be granted the justice I need.
Consumer complaint received 2020-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have filed numerous disputes, I have also been locked out of my XXXX and XXXX online accounts. I have not used credit in years as I was incarcerated. I have looked into and sought legal help since. I filed disputes with no luck. I am submitting this information in hope that the companies receive the information and update the reports immediately
Consumer complaint received 2019-09-25
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. (MI)

Attached you will find the XX/XX/2019 results of TransUnion. They DID NOT validate or verify the four XXXX XXXX accounts that should have been removed a long time ago from my report. You will see letters from XXXX XXXX stating they don't have a copy of original contract, signature, video or phone of me asking for a line of credit and asking ME for more information. So how is it that TransUnion can validate or verify the accuracy of their reporting? In addition, I have attached proof that a judge signed off and this is NOT allowed to be on my credit report. Under the FCRA/623, " if the reporting is not 100 % accurate, it has to be removed ''. In addition, I am entitled to {$1000.00} per wrong information reported on my report. And furthermore, under the FCRA, these accounts can not be reported with a BALANCE, which should read {$0.00}, and for this reason alone all accounts HAVE TO BE REMOVED IMMEDIATELY. 

This is not a duplicate report and needs to be fixed. I have been pursing the removal of these account since going in front of judge XXXX XXXX. Trans Union is the ONLY company who refuses to remove these accounts. XXXX and XXXX have removed them.
Consumer complaint received 2019-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

I spoke with a customer service representative in Mid XX/XX/XXXX about the excessive fees charge to my account, and she said that she removed about {$70.00} from the account and I paid off the balance in the card. Yesterday, XX/XX/XXXX, I received another bill with a balance of {$140.00}. When I called the company another customer service representative told the previous representative did not or could not really do that even though the transaction was noted in my account. He practically told me I have to pay about {$200.00} fees into my account. Second the company added a fee to the account on XX/XX/2019 when I received the bill on XX/XX/2019. 
In XX/XX/XXXX, not certain of the date another customer representative told me the same thing.
Consumer complaint received 2019-09-25
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. (IL)

XX/XX/19 I get a email alert that a collection account was re-inserted on my credit report of which it was deleted back in XX/XX/XXXX which is against the FCRA law to delete and then re-insert a item back on to a consumer 's credit report.
Consumer complaint received 2019-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

They are attempting collect a utility debt on a house that I no longer own. I told them the house was tax foreclosed on over 5yrs ago. I believe the tenant left the bill after squatting in the house after it was foreclosed on. They said that I was still responsible even though the City of XXXX took ownership of the property while preparing for a tax sale.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I open a credit card with capital one in XXXX, my XXXX  date of delinquency was in XX/XX/XXXX the company sold the debt to XXXX XXXX a collection agency in XXXX in XXXX I paid the debt. I did not open another credit card nor was I able to open another credit card with capital one since the year XXXX. I have been given the run around from capital one saying the account was paid in full in XXXX, but was opened in XXXX. I did not open a credit card in XXXX and this is not my account I let capital one know, but after weeks of back and fourth with capital one and XXXX XXXX I realized that capital one was reporting an unknown account. I just want this account that I have no knowledge of removed from my credit report and capital one 's system.
Consumer complaint received 2019-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

LVNV Funding is a debt collection reporting on my credit. I disputed this information because the debt does not belong to me. Company has failed to validate debt. I attempted to call the company multiple times at the number XXXX and they are asking for personal information saying I won a gift.It appears to be a scam and they are reporting on my credit reports. They original creditor was contacted two years ago and informed that this account was opened fraudulently and was a result of identity theft. They closed the account and had me sign an affidavit attesting to that. Now this a collection has been showing on my credit reports in which I have disputed several times and well as sent debt validation letters to the company and credit bureaus with no response. They identity theft is noted on all of my credit bureau accounts.
Consumer complaint received 2019-09-25
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. (NJ)

on XX/XX/XXXX Got a letter from Experian telling me I could not get a credit because of insufficient credit am XXXX years old have had credit for at lest 20 yrs, next was Level of Deliquency ihave none ratio delinquencies to in come that is wrong. Please help
Consumer complaint received 2019-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MA)

I am having problems with my mortgage company which I just found out they added my hours to a foreclosure list. I had been on chapter XXXX which I completed in XXXX. In XXXX I had to file for a 4 month chapter XXXX which I completed. Since the second chapter XXXX I have made my payments on time and they are trying to foreclose my house. I made my payment in XX/XX/XXXX for XXXX and they put it in a suspense account. I made my payment on XX/XX/XXXX for XXXX and they refunded that amount back to my account. I don't know why they are doing this. I have evidence of having completed both chapter XXXX in good standing and evidence I have been on time with my payments thereafter. I feel it is plain harassment and am reaching out to your office for help in this matter. I have received correspondence and a text for realtors telling me they saw my property in a fore closure list and are reaching out in case i'd like their assistance to do a short sale for fore closure. The last two options are not an option when I completed my chapter XXXX 's and have been paying my mortgage every month on time. Upon your review of my complaint I will be more than willing to submit proof of my case.
Consumer complaint received 2022-03-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

ARS collections has been harassing me via mail and phone calls saying I owe them {$1400.00} and I have asked them to validate the debt on many occasions which they have not done. So I called the medical billing center to get a physical copy of the bill and come to find out the actual bill is {$600.00}. This bill is affecting my credit in a negative way and my living situation and they refuse to rectify it.
Consumer complaint received 2019-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

MY BANK ACCOUNT IS SUPPOSED TO REJECT ANYTHING THAT WOULD CAUSE OVERDRAFTS YET I HAVE A {$34.00} NSF FEE DATED XX/XX/2019 FROM A XXXX XXXX. I WANT THIS REFUNDED IMMEDIATELY AS I WAS NOT NOTIFIED BY YOUR OFFICE THAT THE FUNDS WERE NOT THERE AND MY BANK SHOULD HAVE BLOCKED THE CHARGE IF THE FUNDS WERE NOT COVERED. IF THIS IS NOT REFUNDED I WILL TAKE OTHER ACTIONS.
Consumer complaint received 2023-04-04
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. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX  SER ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX  SER ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NAME : XXXX - XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME : XXXX - XXXX XXXX  ACCOUNT # XXXX
Consumer complaint received 2019-04-30
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: Experian Information Solutions Inc. (NC)

My credit report is showing information that does not belong to me. I already filed a complaint to the creditors, law enforcement, ftc complaint # XXXX The following accounts need to be deleted immediately XXXX XXXX {$500.00} Opened XX/XX/2018 -XXXX {$2900.00} XX/XX/2018 -XXXX  ( Any and all XXXX Accounts )
Consumer complaint received 2018-09-18
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: FACTUAL DATA CORP. (CA)

This company ran a credit check on my without my consent or authorization. I have no idea who they are or what this was about. I disputed it but they did not delete it off my credit history with each of the three credit bureaus. This should be deleted off my credit report on / with each of the three credit agencies immediately as it was unauthorized. 

Thank you.
Consumer complaint received 2019-04-30
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. (NC)

My credit report is showing information that does not belong to me. I already filed a complaint to the creditors, law enforcement, ftc complaint # XXXX The following accounts need to be deleted immediately XXXX XXXX {$500.00} XXXX XX/XX/2018 XXXX {$2900.00} XX/XX/2018 -XXXX ( Any and all XXXX Accounts )
Consumer complaint received 2019-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : In XX/XX/2017 - 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TX)

I purchased items from Lowe 's under a deferred interest promotion. These items were to upgrade my home. I had a balance of XXXX in XXXX. Apparently, I missed the window to pay off the promotion balance and in XXXX interest of {$1400.00} was added to the account bringing the balance owed of {$3100.00} which I have had difficulty paying as I am a retired XXXX year old woman. While this practice has been in question and investigated periodically, I now that it is still deemed to be " legal '' ; however, I feel that I was taken advantage of during a time when everyone was distracted by the pandemic. I have been a long time customer of Lowe 's and have a great history of paying on time. Even though nothing my come of this investigation, I still want to go on record as complaining about this tactic that was used to advance someone's pocket by taking advantage of me during a time of upheaval.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Zealandia Holding Company, Inc. (LA)

I've disputed several inaccuracies on my credit report with dispute letter dated XX/XX/2020 to XXXX for the account XXXX XXXX XXXX that's being reported on my credit profile. XXXX responded back to me stating the company that reported the information has certified to XXXX that the information is accurate. I am filing a complaint on XXXX and XXXX XXXX XXXX for the inaccurate information reported on my credit profile which is highly damaging to my credit score. Because of the inaccurate information reported I would like for the item XXXX XXXX XXXX be deleted per FCRA. 

In the dispute letter I also asked XXXX to disclose all information to me in my consumer file clearly and accurately per Section 609 ( a ) ( 1 ) of the FCRA without any truncates of my account number and social security number. XXXX  have failed to do so as I requested.
Consumer complaint received 2019-02-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (NJ)

We have requested a statement for the recently disbursed student loan from XXXX so so that we can refinance the loan at a lower rate. The agent stated that the loan does not have a payment due and an interim statement can not be printed. The agent advised that the grace period is 6 months and an official billing statement may not be provided before that time. XXXX XXXX requires an official statement to proceed with my refinance and the existing documentation XXXX will provide is not sufficient for their underwriting guidelines.
Consumer complaint received 2019-09-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation (TX)

Regional finance XXXX Texas keeps calling my work And its unethical I told them Im not allowed to take personal calls at work They call everyday I wan na put a complaint on them! 

They are rude and aggressive They call me at work I have proof they call me everyday on my phone And proof they call my work everyday Its annoying my work is getting mad I dont even answer the call anymore
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX I had a fraud alert added to my personal credit report it was due to fall off/ be removed on XX/XX/XXXX. I contacted the XXXX XXXX  to apply for a credit card and was told that the fraud alert was still there. I tried to reach out to customer service and cooperate and all I kept getting is the run-around there was no real person I could talk to
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (AZ)

Walmart Credit Card company sent my debt to collection agency XXXX XXXX XXXX representing Synchrony Bank. On XX/XX/XXXX I paid a payment for {$150.00} on an arranged payment plan to resolve the debt that I owed to Synchrony bank. I made another payment to XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX. Finally, I made a final payment on XX/XX/XXXX for {$690.00} to settle the debt in full ( {$1000.00} ) with XXXX XXXX XXXX for Synchrony Bank ; with the agreement that they report the balance as settled in full and balance reported as paid or XXXX to all 3 credit bureau 's. However ; Synchrony bank refuses to report debt settled and as XXXX balance. Synchrony bank stated on XX/XX/XXXX via phone that the debt was charged off and not resolved. I have disputed this with the credit bureau 's and they state Synchrony bank reports the debt as accurate.
Consumer complaint received 2019-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (TX)

My name is XXXX XXXX XXXX, and my Ex-wife XXXX XXXX opened a XXXX XXXX XXXX credit card in my name. This card was continued to be used after we divorced, and I was not informed. Following this, the account was then maxed out and left unpaid for over 150 days. This account is labeled as XXXX   Bank/XXXX XXXX in my credit report. The Account # is XXXX, I do not have the full number. The account was opened XX/XX/XXXX, and sent to collections sometime in summer of XXXX. I was seperated XXXX from my wife and going through divorce XXXX. I continued to live in XXXX at this time, and my wife at the time relocated to XXXX, Texas. The collections agency is XXXX XXXX and opened the collection date XX/XX/XXXX under the account # : XXXX as I do not have the full number. The balance is {$1500.00} as of now, and I was never notified of the account, debt, or collections agency. After finding out, I attempted to ask my ex spouse, and also informed them they would need to pay the balance, and they have refused. This is not my account, I do not buy, own, or wear XXXX XXXX XXXX.