davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

The credit bureaus is not complying with their own policies in a timely manner. I sent a letter on XX/XX/2022 addressing the issue and still no response from the bureau.
Consumer complaint received 2019-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (MS)

We finally received a response to our XX/XX/XXXX request on the deduction of {$1000.00} from our escrow account via XXXX XXXX on XX/XX/XXXX. Selene Finance admitted that the so-called escrow analysis was an audit of their records and reflected an error on staffs behalf with our account being credited with the {$1000.00} when we refinanced ( 2 ) years ago in XXXX. While this should have been told to us in the XX/XX/XXXX, correspondence on a rate increase with NO explanation, the fact that it took numerous e-mails, calls and correspondence from us - a three-month delay in an honest response is appalling. 

The redeeming factor with that correspondence was that once the error was admitted to, we were also assured that 1 ) Late fees would not be held against us. 2 ) Adverse credit reports would be removed and 3 ) We would be expected to pay the additional escrow for XXXX, XXXX and XXXX that we withheld waiting on clarification for the {$1000.00} negative adjustment to our account. We have fulfilled our responsibility and our payments are current and correct as of XX/XX/XXXX. 

Payment History Mortgage Interest Escrow XXXX {$600.00} XXXX Payment Ck # XXXX {$200.00} {$250.00} {$130.00} XXXX {$600.00} XXXX Payment CK # XXXX XXXX XXXX {$130.00} XXXX {$600.00} Payment CK # XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX On-line Payment XXXX XXXX XXXX XXXX XXXX XXXX On-line Payment XXXX XXXX XXXX XXXX XXXX Check # XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Check # XXXX ( enclosed ) XXXX XXXX XXXX Unfortunately, Selene Finance has not fulfilled their responsibility! No adjustment has been made to our account for late fees. Payments since XXXX are hanging out there unapplied to our account correctly and billing continues to reflect that we are past due which in NOT true. 

All this grief was unnecessary they could have just admitted in XXXX someone made a mistake that needed to be fixed. We would have gladly agreed to the necessary increase immediately to insure our property taxes and insurances were covered with escrow funding. We have never been late on a mortgage payment in the past 12 years. We also never had such poor customer service. We asked last month that all errors be corrected by XX/XX/XXXX which has not happened.
Consumer complaint received 2019-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/19 I was on the phone with the automated system of Synchrony Bank to pay my Banana Republic/Gap credit card due on that day. I didn't use the representative option because they charge money. 
My due date was XX/XX/XXXX and as my clock turn XXXX XX/XX/XXXX I didn't have an option to call the representative and I explained to the representative over the phone that : I was on the phone until XXXX east time trying to make a payment with the automated system. 
Because the system didn't take my payment I called at XXXX to speak to a representative and because the due date passed for 30 minutes already they charged me Late fees.
Consumer complaint received 2023-04-06
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. (OH)

All three credit bureaus have failed to provide me with any documentation as required by law with my signature or proof validating that I owe them for this debt. Below is a copy of the letter I sent to all three Credit Bureaus With none of them showing any proof other than they say it is so. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TransUnion TransUnion XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX Validate Account XXXX XXXX XXXX * Please remove all non-account holding inquiries over 30 days old. 


Thank You, XXXX
Consumer complaint received 2019-09-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

First..this company called my brother..told him l was bring sied for a DEBT..then told him l needed to call right away..the number l called was XXXX XXXX XXXX..at XXXX XXXX XXXX ... xt XXXX ... asked for info he was vague about the debt..and claimed to be filing a lawsuit..l had s credit card from hsbc but didn't use it..returned the card..didnt like all the fees..had a XXXXlimit but feed ate up XXXX $ of it..sent it BACK cut up..l am XXXX that this was an egregious anf illegal attempt to het money..they clsim to BE sending a letter..but THEY SAID that 5 other times..l want this stopped..and immediately closed out as invalid debt ...
Consumer complaint received 2019-09-25
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VW Credit, Inc (UT)

I got a loan for a used vehicle from VW Credit at the auto dealership XXXX XXXX in Utah. On XX/XX/2018 XXXX XXXX pulled my credit score and then did it again XX/XX/2018. VW Credit also pulled my credit score on the same day XX/XX/2018. I was not aware of these multiple pulls until I recently applied for a credit card and I could not get approved because of having so many hard inquires in such a short amount of time.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
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: EQUIFAX, INC. (CT)

My Equifax Credit company damaged my credit score by reporting an incorrect balance of XXXX  XXXX XXXX Credit card ending XXXX. My Equifax Credit Score was an XXXX and it drop to a XXXX do the Negligence of Equifax reporting improper balances. They report the account with a balance of {$16000.00} and my credit limit for this credit card is only {$2000.00}. My equifax credit score drop to XXXX and my credit Utilization is 842 %. My equifax has cause great stress in my finacial personal life. I was rejected by banks, credit companies, and ended with 3 loans with a high interest because I didn't know of the Equifax negligence. I am attaching letter from the Equifax website that they have not change my credit score and not change the balance of {$16000.00} dollars. I would for equifax to be liable for the stress and issues that they have caused with my credit. Equifax the company continues to be careless with people 's credit score, and reporting practices.
Consumer complaint received 2019-04-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (WA)

Hello! My problem is with Wells Fargo Mortgage ( WFM ). They illegally changed my Adjustable Rate Mortgage ( ARM ) to a 30 year fixed Mortgage. Ignoring the terms of the original contract. Which over the life of the loan will cost me an additional $ XXXX- {$50000.00}. I have contacted them many, many times about the illegal transaction but they refuse to reinstate the contract to it's original terms. I contacted the Washington state Attorney General and because of that ( WFM ) made me a counter offer but did not reinstate the contract to it's original conditions. Also in the counter offer contradicted the original contract terms. At this point i think they are writing these contracts with the terms they want and are getting farther and farther away from the original contract. My loan was a small loan but on a larger loan this could be a very lucrative mistake! For ( WFM ). But what really scares me is there are millions of ( ARM ) loans written every year, how many of those have the same problems as mine and are not being corrected? Thank you very much for the help!
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I'm unable to open an investigation into some negative remarks on my credit report with TransUnion. There is no contact information, the guide to submit a dispute states there are options that are missing on their form to submit a dispute. The website only leads to paid account signups, I had to use a search engine to find the right page to even try to submit a dispute. 
I am unable to have the false negative remarks even investigated by TransUnion. 

Background information :. I've been able to open investigations and Ultimately clear negative remarks that shouldn't exist on my report with the other two major credit reporting agencies ( XXXX and XXXX ).
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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have disputed the charge for the XXXX student loan several times, but Transunion has not been resolved the issue I have requested. 

Pennsylvania has a statute of limitations of six years for typical debts. If it's been more than six years since a credit card debt or contractual loan obligation became due, the creditor can no longer take collection actions for that debt. This is a standard statute of limitations and is on par with most other states. 

This charged off from XXXX loan is much more than 6 years. XXXX loan has reported the wrong information to Transunion. I have requested to remove the XXXX loan from my credit reporter but they have not resolved my request. 

I also have disputed to XXXX loan company about this issue which they have reported the wrong information about my loan. XXXX XXXX XXXX reported in 2014 to Transunion and others, but other credit report agencies have removed my dispute charge. 

Charge off loan should NOT be on my credit report which has passed more than 7 years. 

For that reason, I would like to report about Trans union to correct and remove the information about my past loan.
Consumer complaint received 2023-04-06
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX , XXXX : # XXXX, XXXX XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-30
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital one has caused damages by not removing false incorrect information of Billing Errors I've asked them to Keep accounts and remove negative and false information they refuse even though i have sent in proof as well as refuse to send the proper tax forms and other request as well as payment received for I, the Consumer account to be properly credit and balanced This is on going three years now, please see attachments all Sent Certified Mail and Next Day Air
Consumer complaint received 2022-03-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

I created my PayPal account since XXXX, XXXX with my e-mail XXXX '' and my account was in good standing since and never had an issue with any of my salles and no case has never been opened against me. 
On the XXXX XXXX XXXX I received a payment from a customer with transaction ID XXXX and my account was suddenly limited under ( Ref ID XXXX ) then I provided all the necessary information required by PayPal including my conversation with the customer on PayPal messages proving that the customer has already received his order and very satisfied with it as you can see in the documents attached to this complaint. On the XXXX XXXX XXXX, XXXX I received a sudden response from PayPal stating that I'm no more eligible to use PayPal services under ( Ref ID - XXXX ) and that my account was permanently limited and holded my money for 180 days with no reason. 
when i called PayPal to resolve the issue, they refused to tell me why they took such decision and refused to restore my account and release my money.
Consumer complaint received 2019-10-02
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. (NC)

Today XX/XX/2019 I found out that someone has been opening accounts with my personal information without my permission. I found out because I was checking my credit report before going to buy a new car and I saw accounts and inquiries that do not belong to me. I never opened any of those accounts and I never gave anyone permission to open them in my name. I have already filed a police report. I did not benefit anything at all from these accounts such as money, goods, services or any other benefit nor am I affiliated with any of those companies in any way. I do not have any written/verbal contract with any of those companies and I never allowed them to run or view my credit file.
Consumer complaint received 2018-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Credit & Collection Corporation (PA)

XXXX is trying to get payment for things that were discharged By XXXX XXXX almost a year ago and proof is enclosed. XXXX put these charges in collections. Please stop them from doing this. They were informed these aren't my charges
Consumer complaint received 2022-03-30
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 — Investigation took more than 30 days
Company: CBC Companies, Inc. (PA)

Multiple accounts same account numbers, defamation of character, using negative adverse information over since XXXX I've sent in proof of non late payment and yet and still they continue top hurt and damage me I ask them to keep account and remove negative Information since XXXX. 
Please see Uploads
Consumer complaint received 2019-10-02
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. (TX)

XXXX ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$750.00} on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I was never billed from the apartment complex and I was never given an itemization. I gave a ( 60 ) day notice to vacate the premises per the rental agreement and prior to leaving I verbally spoke with the complex manager and was told that everything was in order and that the premises was in excellent condition. This collection is being reported in error and is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$750.00} on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I was never billed from the apartment complex and I was never given an itemization. I gave a ( 60 ) day notice to vacate the premises per the rental agreement and prior to leaving I verbally spoke with the complex manager and was told that everything was in order and that the premises was in excellent condition. This collection is being reported in error and is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-03-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

Multiple accounts same account numbers, defamation of character, using negative adverse information over since XXXX I've sent in proof of non late payment and yet and still they continue top hurt and damage me I ask them to keep account and remove negative Information since XXXX. 
Please see Uploads
Consumer complaint received 2022-03-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Multiple accounts same account numbers, defamation of character, using negative adverse information over since XXXX I've sent in proof of non late payment and yet and still they continue top hurt and damage me I ask them to keep account and remove negative Information since XXXX. 
Please see Uploads
Consumer complaint received 2023-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX 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. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-04-06
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)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

CHILD SUPPORT XXXX XXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX XXXX XXXX {$33000.00} ; U S DEPT OF EDXXXX XXXX Balance : {$38000.00} XXXX XXXX XXXX XX/XX/2023 XXXX