davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-07
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. (NY)

these account 's on my credit belong 's to some one else XXXX XXXX XXXX XXXX   XXXX Status Open Balance {$520.00} Type Collection XXXX XXXX XXXX   XXXX Status Open Balance {$2100.00} Type Collection Pa XXXX XXXX XXXX Status Closed Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX XXXX Status Closed Balance {$770.00} Type Credit Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$88.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Unknown Payment Status Late
Consumer complaint received 2024-05-28
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company (VA)

On XX/XX/XXXX Freedom Mortgage 's Marketing team contacted me from XXXX XXXX XXXX XXXX # XXXX I never gave them permission to contact me. In fact in XXXX I served Freedom Mortgage with a cease and desist order baring them from contacting me by phone. 
I explained this to the agent and they got angry. Them repeatedly called me multiple time over the next hour. I got rude with them and cussed them out. 
In response, they took my private information and submitted a loan inquiry to XXXX XXXX which generated several contacts from other companies. 
It appears that Freedom Mortgage is misusing my private information as a XXXX XXXX Application requires a SSN
Consumer complaint received 2024-05-16
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MA)

I opened a credit card at XXXX 's ( Comenity ). I closed the card in less that a month on XXXX because I didn't receive a bill, and when I did it had late fees on it. ( XXXX scam ). I paid the bill in full on XXXX ( without disputing the late fee ) and I closed my account in the same phone call. there was no mention of any other charges, future charges, and I was told my account was paid in full and closed. I had no reason to think any more about this card/account. I have now received a new bill from XXXX ( Comenity ) that states I have a XXXX balance and I owe {$3.00} in a minimum interest charge. I called and asked how do I get a {$3.00} charge on a closed account? The lady said " ... That is an interest charge. '' She went on to say I have to pay a bill 2 months in a row before there are no more charges. What? on a XXXX balance!!!? I asked her where I could ind that in writing and she could not tell me where it is written. So, After I closed my account, and After it was completely paid in full, they have charged me {$3.00}. ( XXXX scam ) They appear to be scamming me for a late fee, and now an interest fee on a XXXX balance. Please assist. Thank you in advance.
Consumer complaint received 2022-03-02
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. (OH)

I have XXXX accounts XXXX which are five years or older to have them two years and the average is 48 months and they had me down at 32 months of credit age history
Consumer complaint received 2022-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

Comenity bank has harassased me with multiple calls of a debt that is not mine. I was a victim of identity fraud and Im guessing this account was apart of my identity stolen. I saw this debt on my credit report and reported it as debt not mine. 

After months of calls from come its bank I answered on XX/XX/XXXX. The collection officer did not identify who she was. I told her I have no recollection of this debt, and that I would like for her to only community with me through mail services from now on. She continued to harass me and question why I didnt report it as fraud when I did in fact tell them it was fraud. She threaten that I will be taken to court, etc and was very rude.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I XXXX XXXX XXXX XXXX ; in XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; I XXXX XXXX XXXX XXXX Affirm ; that my Given Birth Name is XXXX ; XXXX XXXX I was Born on XX/XX/year>, My Mailing Address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX Affirm ; That any other Person Identity Information that reflects Different than the above mentioned Affirmed Facts are inaccurate, I Demand all Inaccurate Person Information to be immediately updated to the accurate information. Included you will Discover XXXX XXXX XXXX XXXX ; Certified Birth Certificate which will Further Affirm my Giving Name, My Birthdate and Correct Age As this Inaccurate Information has damaged, & Violated XXXX XXXX XXXX XXXX ; Rights to Privacy, image, name, and likenesses, reputation and also physically and Emotionally since the report appeared ; In accordance with 15 U.S.C 1681 1. I have Presented Proof of address ; proof of Identity ; Certified Copies of my Birth Certificate ; a Copy of my Driver License & a copy of my Tax Return showing proof of my Social Security # ; Affirming my Giving Name, My Correct Birthdate and Correct Age & 2. Affidavit of Truth 3. I have presented proof of Inaccurate information thats on my consumer file In accordance with 15 U.S.C 1681 & the Fair Credit Reporting act Equifax has violated my federally protected consumer rights to privacy And Violated Multiple U.S. Codes ; 15 U.S.C 1681 ( a ) ( 4 ) - There is a Need to insure that Consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers rights to privacy 15 U.S. Code 1681 ( e ) ( a ) - Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 15 U.S. Code 1681 ( e ) - Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-03-02
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. (PA)

On XX/XX/2022, XXXX credit card company agreed to settle my account in the amount of {$950.00}. However, after credit bureau dispute XXXX provided incorrect information to the credit bureau and is is fraudulently reporting that I owe {$1800.00}.
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 — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

There is an inquiry on my credit report which I am seeking to remove as Im a XXXX year old senior citizen and would appreciate assistance on removing it kindly as I need to get an apartment for my self and seeking trouble in so kindly remove this inquiry as its dinging my score and credit report. I really appreciate as this goes away and Im too old to deal with this issue as it is incorrect or mistakenly there somehow. I appreciate if this disappears soon.
Consumer complaint received 2022-03-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc. (CA)

I am being charged for an autho policy insurance that I got back in XX/XX/2021. The thing is they sold to me a misleading information or policy because I signed up to pay 1300 for an insurance annually which is like XXXX dollars a month ; that was supposed to include full coverage and other insurance. Later on, my rate was increased without letting me know. So I canceled the membership and request a refund. They gave a full refund and canceled the membership like in a week. I have the email of the person from triple A that canceled my membership they lied to me about the prices. Now after almost a year a third party is trying to collect XXXX dollars and XXXX dollars on behalf of triple A saying that I owed them when they clearly gave me a refund and didnt provide the service and on top of that lied to me. Because of them I lost my discount with my other insurance. I dont owe them anything now this agency sent me a letter and I called them and they didnt let me explain. The lady threatened me about damaging my credit and I think this is not fair because the service was canceled by they agency because the manager and agent who sold the insurance to me recognize she lied and changed the money I was supposed to pay. I have the emails and my bank statements staying the processed the refund for the money I paid.
Consumer complaint received 2019-10-18
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. (FL)

I am requesting to re-investigate all accounts which I listed on Identity Theft. All accounts are not belong to me or transactions made by me. Somebody open all accounts instead of me and used personal information. Please remove negative information from my credit report because you do not have enough proofs that it was me.
Consumer complaint received 2022-07-22
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)

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 2020-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (AZ)

Collection Company : Mitchell D. Bluhm & Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Alleged Debtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX The company alleges that I owe {$510.00} in payment for anesthesia services. 

So far as i can determine, the insurance company was responsible for payment of this alleged debt. I do not owe them any money. But there is an unfavorable listing on my XXXX XXXX credit report as a result. 

Attempts to deal with the creditor have proven impossible, since they list a balance of XXXX and say the debt was sold. 

Attempts to deal with the collection agency are not possible. In the most recent case, my husband, with my approval, demanded proof of debt. He was hung up on twice. 

According to the XXXX, the collection company has victimized numerous people with falsified listings of alleged debts owed on credit bureau reports. There is no way this can be resolved with them directly. 

XXXX XXXX
Consumer complaint received 2018-05-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (AR)

Barclay 's Bank Delaware has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2021-05-09
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. (NC)

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
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 — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (OH)

There is an inquiry on my credit report which I am seeking to remove as Im a XXXX year old senior citizen and would appreciate assistance on removing it kindly as I need to get an apartment for my self and seeking trouble in so kindly remove this inquiry as its dinging my score and credit report. I really appreciate as this goes away and Im too old to deal with this issue as it is incorrect or mistakenly there somehow. I appreciate if this disappears soon.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

i sent a payment to you on the date i was supposed to send it. and the mail got lost somehow i am not sure how the mail got lost but i have proof of the money order i sent you as i am attaching it to this complaint i was i great costumer from Toyota i dont think that i deserve this 30 day late payment to ruin my credit for something that is a mail problem i spoke to one of your representatives and they told me that they would take care of it but it still shows up on my report.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I submitted a letter to Experian XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-03-02
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. (WI)

I sent in evidence, also an FTC report stating the accounts I am disputing isnt mine. And still Experian and XXXX are giving me a hard time! This is torture and very depressing.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (PA)

On XX/XX/2022, Discover credit card company agreed to settle my account in the amount of {$950.00}. However, after credit bureau dispute Discover provided incorrect information to the credit bureau and is is fraudulently reporting that I owe {$1800.00}.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2022-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (SC)

It's a lot of issues so I'll keep it short, I was diagnosed with XXXX XXXX XXXX XXXX in 2017, it has taken me 5 years now to finally finish treatment and I am now just starting back to work literally Monday, my husband had an auto body and paint buisness that shut down due to COVID-19 pandemic. We had used up all our resources and finally I'm starting work again and my husbands body shop has slowly started to get a few customers again, now after we thought we got a defer in payments on mortgage starting to resume on XX/XX/XXXX I get a notification from sheriff telling us to vacate by XXXX, I thought everything was going to be okay, I contacted Vanderbilt Mortgage and they want an amount to keep my home that I just don't have yet, I have to get a few paychecks in first and now I'm about to be XXXX after 17 years in the same job I got sick and I needed help and now I'm going to lose everything on top of what I've already lost has me guessing now why did I even seek treatment when I was sick, I don't know what to do, I just turned XXXX last month and I don't know if I have the strength left to start over anymore. The mortgage company is already charging me 12 % interest and I've already paid 10 years out of the 20 year loan and now I'm losing it. I can't even believe this I'm seriously thinking of ending everything because I can't take another loss on top of what I've already lost, my XXXX, my XXXX XXXX so technically I'm not even a woman anymore and I still can't even look at myself in a mirror and now my home, my credit, my teeth because XXXX destroyed those and I can't afford to fix them, I just want to lay down because I'm tired and I feel like an old work horse that is not wanted anymore. I've worked my entire life like a man to just lose everything I've earned, I've had to eat so much XXXX to get what little I have, I have worked myself into XXXX XXXX XXXX and countless XXXX XXXX and XXXX from the type of work I've had to do to just be told to leave my high interest over priced mobile home that's already falling in anyways, this is too much for me to handle. Life is not fair and I totally get that, however I'm absolutely disgusted with the entire situation that I'm literally XXXX XXXX daily, not sleeping, XXXX, and uncontrollably crying that I don't even know how I'm going to keep my new job because I can't even function at this point. I at least out of everything I have my XXXX acres of land paid off and it's mine, the mortgage company will have to remove trailer but still my credit is destroyed and what good is my land without a structure on it to live in. Sincerely... .. XXXX XXXX, and giving up ... Because I just am tired, I am so so tired of pushing that I have no push left in me.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi Dear customer service, I received an email from XXXX XXXX that my XXXX XXXX  sent a 30 days late payment for XXXX month to all 3 credit Bureaus. Let me first explain my situation. I closed most of my credit carts about 2 years ago through XXXX XXXX XXXX XXXX department. Every month I am paying them the amount that creditors agreed with them. During the Covid 19 I was not able to pay the full amount due to my financial hardship. It was the first time that I paid less amount to my credit card companies. However, I have already paid the full amount and make them current. The only bank that didn't remove my late payment is XXXX XXXX. I have already made a disput with all 3 credit bureaus and received an email from them that they are unable to remove the late payment from my history. Today I called to XXXX XXXX and humbly request them to do something for me and ask them to let me to make a disput with them, but they said they are not able to do anything for me. I told them I have already spoken with their customer service department and explain them I am not able to pay my full amount but the supervisor told me they have never received a call from me. I swear to XXXX I talked with them a month ago and explained them why I can't pay the full amount and they accepted it. Now, they say I have never talked with anybody in their department which is so weird. I humbly request you to understand my situation and do something for me. I have never had any credit problems with any companies before and this late payment really bothers me. Because of the late payment report my credit score dropped by many points and I am really sad that why I was not able to pay the full amount to them. I thought that XXXX XXXX   will understand my situation and remove my late report because I am sure that this might happened to many people during this Covid 19 pandemic.