davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (VA)

I am writing to request an inquiry into the mortgage servicing of Statebridge Company. My mortgage payment is due on the XXXX of every month. Statebridge prints my statement on the XXXX of every month and then at some point it is mailed to me. Last month, I received my statement in the mail on the XXXX and went to the post office the next morning to personally drop it off. Statebridge assessed me a late charge saying they didn't receive it until the XXXX. I also requested with my payment that Statebridge mail my future statements earlier. Statebridge did not mail my XXXX statement earlier as requested with my payment. Statebridge again dated it the XXXX and again mailed it some time after that. I did not receive my statement until Saturday, XX/XX/XXXX and the next earliest date I could mail my payment would have been Tuesday, XX/XX/XXXX due to the holiday. As such, I was forced to either pay my mortgage online, which incurs a fee charged by Statebridge, incur the cost of overnight delivery, or run the risk of a late fee since the post office can not deliver mail from Virginia to Colorado in a day. My inability to pay my mortgage without incurring a fee is due to Statebridge 's failure to adequately provide my statement in enough time to pay it without incurring additional unnecessary charges. I feel like Statebridge is scamming consumers with online payment fees or late fees because we have no other options when trying to make sure our payment is not late. The extraordinary costs involved with refinancing a mortgage due to a poor mortgage servicing company makes this a difficult situation and not an easy fix unless Statebridge corrects its practices. I called Statebridge on  Saturday, XX/XX/XXXX and left a message to resolve this matter, and to date, nobody has returned my call. I also followed up with another request via email. As of the time of submitting this complaint, Statebridge has not contacted me, nor resolved my concerns. Your help with this complaint is appreciated. Thank you.
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 credit score over 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than 21 times. transunion 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 XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I recently received a copy of my TransUnion, XXXX credit report, and I noticed some late payments, Chargeoff posted on my credit report : XXXX XXXX  # XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report?
Consumer complaint received 2022-08-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Works & Lentz, Inc (OK)

I have made repeated attempts with XXXX XXXX XXXX to get an itemized bill and medical records. When I call I'm either told the system is down, or I have to leave a message and no one returns my call. I have no problem paying the debt once I am given the chance to look over records and the bill to make sure I am being appropriately billed. This is no different than receiving a recipe for goods or services bought.
Consumer complaint received 2023-03-24
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. (NV)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the accounts below : 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 2017-11-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: American Credit Acceptance, LLC (NC)

I was apart of the XXXX breach and signed up for the monitoring service XX/XX/XXXX. At this time I saw an account listed for American Credit Acceptance for a car loan. I knew this was n't an account that belonged to me because XX/XX/XXXX I  purchased a car an established a loan with XXXX. I work a part time job and would never purchased two cars. First I filed a FTC identity theft report. I also disputed the information with all 3 credit agencies. The results of the investigation came back as accurate information. I disputed the information again with my FTC paperwork, copy of my ID, information for my real auto loan and information that someone else got a ticket in my name using a lost ID in XX/XX/XXXX. I  also sent all this same information to American Credit Acceptance with a request to provide me documentation for the loan that supposedly issued in my name. They send me back there investigation finding that said signatures matches, address matches and picture ID matches. There findings is there is no evidence its not me. They also sent the credit application. The application is basically blank with limited information no filled out completely at all. They did n't provide me with the copy of the ID that was used which they claimed matched my ID. The signature on the paperwork does n't match my signature at all. I never applied for this loan. One of  the biggest things that also make this unbelievable is because of issues in the past with someone getting a ticket in my name and someone trying to get services in my name I have a statement of my credit report. No one should issue credit in my name without contacting the phone number listed on the credit report. American Credit Acceptance never contacted me to verified I was the person getting credit.
Consumer complaint received 2018-11-15
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ATG Credit, LLC (MI)

I do not owe the amount that this company claims. The so called debt is related to XXXX and my attending this online institution. I was enrolled for a year and a half but dropped out after the third week of the second semester in 2017 the university received their payment for the class then I decided that this program was not for me. XXXX still claims I owe them this debt when they were paid for the class..
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (CO)

Consumer Financial Protection Bureau, I received two letters from Consumer Portfolio Services, one in  XXXX and one in XXXX XXXX, showing a lesser balance than what appears on my XXXX XXXX and XXXX credit reports. I wrote a letter with copies of the XXXX XXXX letters from XXXX and XXXX XXXX, and mailed it to all four companies on XXXX XXXX, XXXX, informing all four companies of the incorrect reporting. I received a letter back from all four companies : XXXX XXXX and XXXX and Consumer Portfolio Services in XXXX XXXX that the amount was correct and would not be changed on my credit report. 
Thank you. 
Concerned Customer
Consumer complaint received 2023-03-24
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. (CA)

This is my fifth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00}.
Consumer complaint received 2019-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

One main has destroyed my reputation of stellar credit with false accusations and reported inaccurate information in regards to my XXXX XXXX credit report. 
I have no knowledge of this account and this account does not belong to me. Ive battled with one main for over 6 months regarding their shady and unprofessional tactics.
Consumer complaint received 2017-11-14
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. (TX)

To Whom It May Concern, I received a notice of data breach from XXXX on XX/XX/17. This included accessing supporting documents that may have included my government issued id, home address etc. 

Due to the sensitive nature of the information revealed in the data breach, I have requested from all 3 reporting agencies including XXXX remove all of my private information from its and its affiliate servers and anywhere/all places that information is stored. This information, including my name, social security number and accounts are being stored without my consent and to please remove and destroy any and all information immediately. 

They have not complied. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-12
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Student Aid Experts (OH)

The credit bureaus are reporting inaccurate information on my credit regarding an alleged debt owed to the department of education. 

I have contacted all sources and I am providing proof that XXXX completed an investigation on the matter, and removed this from my credit report.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

in accordance with the fair Credit Reporting act XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : 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 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I, XXXX XXXX, consumer in fact, opted out of sharing my personal and private nonpublic information from Transunion. I sent Transunion a " Privacy Opt Out Notice '' on XX/XX/2022. Transunion has been fraudulently disclosing my personal and private consumer information without my consent, which includes the five accounts listed on the notice. I am requesting immediate deletion off of my consumer report.
Consumer complaint received 2018-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Please be advised that every month when I make my monthly payment to Bank of America, they apply the payment not as expected. I have a purchase balance 19.99 % and a cash advance balance 26.99 %. I understand that any money send over the minimum payment must be applied to the highest interest balance. This is not the case with Bank of America. 
My monthly statements are not showing where my money is being applied and I am very concerned with this situation. To make matters worse they have been increasing my interest rate approximately every 2 or 3 months. All this situation has been going on for over a year now. 
I would greatly appreciate your assistance in this matter. 

Thank you very much!
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 


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 Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in accordance with the fair Credit Reporting act XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : 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 2022-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (LA)

Ive been contacting National Credit Systems about them saying that I owe money for a place that I do not live at. Ive asked them for a copy of the lease, and information about what I owe. They just say I have to pay the debt. They will not give me any information about what is going on with the debt. Ive been asking for proof, copy of lease, copy of utilities something saying that I supposed lived there. Ive been trying to find answers from them n keep getting the run around. I had to call them to even find out what was going on with this debt. They are rude n hang up on people too. Say I owe {$470.00} XXXX apartments at XXXX. 
I contacted them. They never contacted me about this. 
2019 I need proof. Thanks
Consumer complaint received 2018-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I was making payments recently with XXXX XXXX, they were NOT reporting any of my payments that I were making every month to the credit bureaus but then when I missed one payment XXXX XXXX reported me to all 3 credit bureaus and they DID NOT CONTACT me by mail to notify me first before reporting it to collections. I had nothing in collections before at this time but now Im in collections because of this company and I feel I deserved a phone call or a letter in the mail to notify me to make me aware the account was threatening collections.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

I have asked Experian to remove the incorrect public record listed on my credit file and they 've yet to provide me with adequate validation of this filing listed against me. 

I am asking that Experian follow suit and delete this public record from my credit file, as another credit reporting agency, XXXX, has found that this information was indeed inaccurate and has since removed the delinquency from my file with them. 

I have proof to submit showing that XXXX has found a discrepancy in this delinquency and has no longer reported this bankruptcy on my credit file with their company. I am asking that Experian either submit proof of their VALIDATION ( not verification ) of this bankruptcy or remove it from my credit file as it has caused me extreme emotional and financial distress.
Consumer complaint received 2018-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (IL)

Monies were removed out of my account without my authorization. Went into the branch and signed insurance check and was told upon endorsing the check the funds would be release in two installments. 

Still no resolution after 7 months. I am constantly getting the runarounds which is very frustrating and I have been overly patient.
Consumer complaint received 2022-07-12
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. (MI)

Ever since I had an email disagreement with Experian CEOs XXXX XXXX and XXXX XXXX, My Experian Credit report has been manipulated in a negative way and inconsistent with my XXXX and XXXX reports. I have been keeping meticulous records and there's no doubt my report has NOT been reporting properly. A few of the tactics used : Positive information would be delayed for a week or longer and sometimes never updated. Inconsistent with XXXX and XXXX. Today my score dropped XXXX pts, yet the only changes to occur were POSITIVE. 
1. Balances decreased by a large amount I would like Experian to attempt to explain how my balances could drop from XXXX  % to XXXX % which is a huge drop considering credit available compared to credit used is XXXX % of an individual 's score. No other changes took place in the 24 hours between XX/XX/2022 my score was XXXX to XX/XX/2022 my score drops to XXXX : my scores with XXXX and XXXX increased during that time with the identical information. 
Now Experian will likely provide their typical XXXX response by claiming the scoring process is determined by a number of factors etc... However, there is no logical or plausible reason for a persons debt to ratio to drop from XXXX XXXX to XXXX XXXX and with no other negative information added that their credit score drop.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Have contacted all 3 major credit bureaus via phone and letters to challenge accounts that are not reporting to my credit report correctly either these are not my account or information is invalid either way they need to be removed and blocked. I received a letter indicating refusal of removal for the following accounts that need to be removed immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX Bankruptcy, XXXX  and Chapter XXXX bankruptcy.
Consumer complaint received 2019-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MIDCOUNTRY FINANCIAL CORP (VA)

I am currently XXXX XXXX military and have been trying to obtain my secret clearance. On the process of doing so I found some creditors from accounts that my ex-wife opened without my knowledge. Two of the accounts were from the same Creditor by the name of XXXX XXXX. When I called XXXX  to find out where the debt was from and see if there was anything I could do to resolve the account they told me that they didn't have the contracts or agreements of the loans. They simply had a letter with very vague info stating the amount owed on the loans. The account number XXXX  that was charged off was for the amount of XXXX and they want XXXX to settle the debt. The other account they claim is mine is XXXX  in the amount of XXXX XXXX to settle. They do not have proof that the accounts were opened by me and the accounts are no longer on my credit report.