davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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. (LA)

I have disputed each of these accounts with the credit reporting agencies. They have closed my disputes with the accounts being reported as verified. According to the FCRA this information must be reported with 100 % maximum possible accuracy and must be reported by the consumer reporting agency that the account is disputed by the consumer. As a consumer, I have a right to privacy. I have not given written consent for these accounts to be reported.
Consumer complaint received 2018-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a " New Balance '' on a Capital One Platinum Credit card of {$340.00}. I paid {$380.00} in two payments before the due date of XX/XX/2018. I was charged interest on the New Balance despite the language on the credit card agreement which states that if the New Balance is paid before the due date, no interest will be charged. I called the credit card company but they refused my claim. I paid the balance on the account and closed the account. However, I feel the practice of the credit card company is illegal and is not typical of the other credit card companies I do business with.
Consumer complaint received 2018-04-20
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. (KY)

My issue is a credit reporting from the student loan company XXXX. They were not distributing my payments properly within their system to avoid me having a late payment on a group. I would pay more than the allotted amounts each month to them on their website and on automatic withdraw from my bank account over the past 4+years. This in turn caused my credit score to drop by 100 points with XXXX, TransUnion, and XXXX. This is unfair and unethical to do to a client who is continually paying back on a loan. I work a lot and am very busy trying to make this money to always pay them back so I had no idea I was even reported or late until I had ran my credit report one day. All of my payments are current and up to date. XXXX should have been properly handling my payments to avoid this.
Consumer complaint received 2022-07-21
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)

Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my authorization. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX Bankruptcy XXXX Date Filed : XX/XX/2019 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MI)

Diversified Consultants INC. has added a collection file to my credit report for a XXXX bill that I do not own I have never had XXXX  and i have contacted XXXX  before and explained this to them. They must have the wrong XXXX XXXX
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2018-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

We XXXX and XXXX XXXX are going through a very difficult time financially. We already had a Chapter XXXX dismissed and do not wish to lose our home. Our ages are XXXX at XXXX and XXXX at XXXX. However, we do have equity in our home and desire to apply for a modification at this time. My email is attached to this request where the financial institution can email a modification application. Once we get started in the modification, we will get into the medical problems we deal with and how this was a big part of our current hardship. Accordingly, we hope that a modification can start immediately and we can prove how we can get current within the negotiated settlement on modification.
Consumer complaint received 2021-11-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (ND)

There is too much to write here about all the problems Ive had with fifth third bank so Im going with the most recent issue thats been the most troubling now. They are gaslighting me so hard. I have always been able to make payments online and the last couple of months I had not been able to do that because my account would not work and just told me to call in. I thought that was really weird so I tried for XXXX months at various times to reach in at different numbers as well. I finally got through after hours and talked with A guy who let me know that because my account was past due thats why they locked me out of my online account to make me call in My account was past due because I could not get in. So youll see my issue with that. Anyways he said after I make this payment to be up to date, which I gave him my information and it is posted, that my account would be unlocked and I would be able to make payments online again. That has not been the case and now I am past due this month again and I have been trying to get a hold of fifth third again at various numbers. Ive ive tried attempted contact at the XXXX main numbers of the social media and the number that is given on the online help when you cant login. Honestly Ive called these numbers back to back A ridiculous amount these last few days especially just show that I am trying so hard to just get in contact with these people. When I talked to the gentleman that I did get a hold of earlier mentioned he said that they had a total over XXXX contacts attempts for me. That is so false and I dont understand how theyre getting away with it. They have all my information correct as we went over. So I just want to be able to make my payments. They always claim on their canned responses on XXXX about security and stuff like that. I can understand that if I was taking money out or anything else but Im literally just trying to make payments it honestly feels like they just do this so they can get more late fees and more money. My track record is not been perfect and Im not trying to hide that but to be ignored and gaslit to this degree is astounding. Please help me. I just want them to unlock my online account. It was not perfect and I had my issues with it as well but at least I could see where I stood and monitor it without having to rely on someone answering the phone which never happens now.
Consumer complaint received 2018-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I noticed recently that the principal payments are not getting properly distributed to my mortgage balance. I closed on my condo on XX/XX/XXXX. XXXX XXXX had this mortgage before they sold it to Ocwen Financial in XX/XX/XXXX. On XX/XX/XXXX I noticed the mortgage balance is incorrect and called them. I was on the phone over 2 hours and spoke with a manager specialist regarding this case. The current balance on my mortgage that Ocwen has is {$150000.00}. The original balance Ocwen has is {$190000.00}. I asked for a amortization report for the history of the loan and they said they can't provide this b/c they don't provide on fixed loans. They don't have any of XXXX XXXX records either when loan was transferred. The original loan amount actual real numbers are {$170000.00}, which I have proof of all these numbers and original docs. I refinanced pulling $ XXXX out, which changed the balance to {$180000.00}. The balance was never {$190000.00}. The records online only go back 3 years. I saw that {$430.00} per month is going to principal. When Ocwen acquired the loan, they said the balance was {$190000.00}, which is impossible considering I paid my mortgage for 6 years and no principal was applied. They will not supply records. My mortgage balance should be {$120000.00}. Ocwen will not show me the amortization, or any documents that were transferred to them when they acquired the loan. This is in clear violation and the correct balance needs to be updated. It's not possible to pay a mortgage for 6 years and have no amount that goes to principal. This has always been a 30 year fixed mortgage. Ocwen is under investigation, and has been for some time for providing fake financial records, among many other things. This is a very stressful matter, and hope to get solved soon. 
Thanks
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX, and XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX 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 : Its also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

I filed a previous complaint against Experian number XXXX regarding their blatant stall tactics and refusal to provide me my full consumer credit FILE disclosure. Experian mailed me a notice with dispute results when I did NOT dispute any information. I demanded my full consumer credit FILE and they keep responding with stall tactics. Experian has ALREADY committed identity theft and defamation of character against me because I NEVER gave them direct or written consent to furnish, report or accept anything on my behalf. Experian remains in violation of my federally protected consumer rights under the FCRA.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 1st Franklin Financial Corporation (GA)

I was on XXXX XXXX looking at small personal loans and received a call from 1st Franklin Financial in XXXX Georgia on XX/XX/2020. After speaking to them about the process of their loan and giving them some of my personal information I told her to not pull my credit due to me not wanting to give them collateral. I did not want to have one of those loans. 
I was never verbally asked if My credit could be pulled nor did I ever verbally say it could be pulled. Before the phone call ended I specifically told her do not pull my credit. Before the phone call ended I verbally told her do not pull my credit and was not informed she already had or did after the phone call ended .Now I have a credit pulled from First Financial that I did not approve.
Consumer complaint received 2018-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had my windshield replaced by XXXX XXXX XXXX on XX/XX/XXXX, I filed a dispute for {$500.00}. I believe on XX/XX/XXXX or XX/XX/XXXX because I did not receive a receipt or warranty information for the work. I did not recieve a receipt until XX/XX/XXXX and only after many phones calls and still did not receive the warranty information. In the meantime I discover that the windshield leaked and the wipers were hitting the side of the car. I scheduled XXXX XXXX XXXX to return and XX/XX/XXXX, to repair. They did not show up until after XXXX XXXX and it was to dark for them to work. I then rescheduled for XX/XX/XXXX, they were a no show. I have phone records where I tried to call, they blocked my calls. I have a total of 23 phone calls made to XXXX XXXX XXXX. My credit card was billed by XXXX XXXX XXXX XXXX the warranty information I received was from XXXX XXXX XXXX. 

On XX/XX/XXXX, I had XXXX XXXX XXXX XXXX replace my windshield they found the following problems, Left and right side outer moldings were bent and damaged, top passenger side area dented, top of windshield seal missing glue leak detected. glass was to close to frame, windshield not savable. 

On XX/XX/XXXX I filed a complaint with Bureau of Auto Repair ( BAR ) Tracking Number XXXX BAR is also investigating and finding a number of problems XXXX XXXX XXXX is not register with them, the XXXX or the XXXX XXXX XXXX XXXX. The address given XXXX XXXX XXXX, XXXX is XXXX XXXX and they claim they do not know anything about XXXX XXXX XXXX After much research discovered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX and XXXX XXXX XXXX is XXXX XXXX XXXX # XXXX, XXXX, CA not sure about the connection between these companies. BAR is investigating On XX/XX/XXXX, received a letter from Bank of America requesting documentation I replied thru their website. Since then they have given a number of excuses, such as I did not give the merchant a chance to fix the problem, I have phone records where I called 23 times. I had two schedule appt that he did not show. BofA needed a second opinion letter on letter head describing the problem I fax 2 letters ( see attached ) and now the the time frame is expired. They gave me the response date of XX/XX/XXXX which is a Sunday. The owner of XXXX XXXX XXXX XXXX was on vacation and I faxed the letter on Monday XX/XX/XXXX and again on XX/XX/XXXX Bank of America Case numbers XXXX and XXXX
Consumer complaint received 2018-04-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (PA)

their has been numerous attempts to have company EXETER finance to show proof of if account is mine and the balance owed first attempt was XX/XX/XXXX asking for documentation as it has been reported on my credit report 31 days later they only responded as verified but know proof as my account this has been reporting on my credit report as charge-offs making it difficult for me to obtain employment because of credit score i also sent letters to EXTER finance XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX but i still get same response as this is verified as your account but by law since they did not adhere to law should be delted from my credit report thanks for your help
Consumer complaint received 2021-11-22
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: AMERICAN EXPRESS COMPANY (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have contacted XXXX repeatedly in writing and using the online dispute feature with regard to inaccurate information and negative remarks on XXXX XXXX XXXX accounts due to fraud. I placed a complaint with the Federal Trade Commission reporting the inaccurate account information and provided the info to all Bureaus. The Bureau added new remarks after removing the fraudulent accounts. I also have a police report regarding this matter. Therefore, all remarks on closed/removed accounts should remain off the credit report.
Consumer complaint received 2022-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

Apartment complex XXXX XXXX XXXX in XXXX Texas are claiming that I leased an apartment with them and have a balance due which is now in collections. The account is now being handled by a third party TSI- Transworld Systems Inc . I went in person to speak to the property manager, XXXX XXXX, and he stated he doesnt not have access to my lease nor the documentation collected at the time the lease was signed. He went as far as mentioning that this community lately has gone thru a sweeping change of staff due to several fraudulent leases and out of compliance issues and mentioned its not likely they havent any of my original lease information on file. I have spoken with the collection company as well because this is hurting my credit and have tried to dispute it and request original documents collected and my identifications showing it was me that leased the apartment but no one is helping.
Consumer complaint received 2022-02-09
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: JPMORGAN CHASE & CO. (IL)

Chase Bank sent a letter stating that a Chase Sapphire card application was received an because I froze my credit, the application could not go further. Called Chase to notify them this application was fake. They canceled the application and would send me a resolution letter. Someone applied on two separate dates ; XX/XX/22 and XX/XX/22 for a Chase Sapphire visa Platinum card. They used my corrected home address and added a second in state address that Chase would not disclose to me. 

Chase Sapphire application reference number XXXX
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX  days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2018-10-17
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (MS)

On XX/XX/2018, I attempted to call XXXX XXXX Mississippi  who handles child support payments for Mississippi. I called because of an unauthorized transaction on my account. After trying to get a representative on the phone, I finally figured out the prompts to get a human. Once I finally got to my turn, the person picked up and hung up. Its mandatory to hear your balance as soon as you input your information. I was then charged a XXXX cent fee. this is the 4th or 5th time I have had to fight for these fees to be removed while trying to reach customer service.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

i have written to Equifax on several occasions that i wanted to see how several accounts that they are reporting are valid and accurate. i have asked for proof and for them to show me a legal and binding agreement or contract. the accounts are as follow : 1. XXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX XXXX Account Number : XXXX