davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NJ)

On XX/XX/XXXX my mortgage loan was transferred to Selene Finance as the loan servicer via notification from my previous loan servicer. To date Selene Finance did not send me a welcome letter or any mortgage statements. I was in the process of loan modification application with the previous loan servicer at the time Selene Finance took over the servicing of the loan. On XX/XX/XXXX I submitted a new loan modification application with supporting documentation to Selene Finance via email to their Loan Resolution Department and did not receive a response. I followed up on XX/XX/XXXX with a second submission of the loan modification application via email as well and no response. On XX/XX/XXXX I received from Selene Finance a notice of default with intent to foreclosure. On XX/XX/XXXX I submitted third submission of loan modification application with supporting documentation, request for mortgage statements and also requested the calculation breakdown of the amount in default. This was submitted via email, fax and certified mail return receipt requested. I have received the signed certified green card from Selene Finance but to date I have not received a response to my numerous requests. It is important that I have a mortgage statement as I am in process of applying for mortgage assistance with the State of New Jersey and they need recent mortgage statement to proceed with the application.
Consumer complaint received 2022-04-11
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-11
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-11
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2022-04-11
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX for amount {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 2022-04-11
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. (AZ)

XXXX is reporting incorrectly on my report for the last couple of years. I do not owe the company money. They have been reporting this as a repossession and charge off, but fail to provide proof of any information verifying the allegations. They have none of my information correct, stating the vehicle was repossessed at " my address '' that of which has no ties to me and never has. They are reporting someone else 's information and payment issues on my report. Please verify against my personal information.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (AZ)

Kia is reporting incorrectly on my report for the last couple of years. I do not owe the company money. They have been reporting this as a repossession and charge off, but fail to provide proof of any information verifying the allegations. They have none of my information correct, stating the vehicle was repossessed at " my address '' that of which has no ties to me and never has. They are reporting someone else 's information and payment issues on my report. Please verify against my personal information.
Consumer complaint received 2022-04-11
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX for amount {$1000.00}, 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 2022-04-11
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (KY)

I have autopay turned on and my on-time payment percentage was decreased from 100 % to 95 % effecting my credit even though the payment was auto-paid as per their system.
Consumer complaint received 2022-04-11
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-11
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. (PA)

n accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX # XXXX, XXXX Bank # 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
Consumer complaint received 2022-04-11
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)

n accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX # XXXX, XXXX Bank # 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
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have had a few installment accounts with XXXX and now a revolving account. I have been a loyal customer and have tried to rectify this to no solution with XXXX. I ended up submitting a complaint to the XXXX  and have still had no solution. This actually lead to even worse and completely inaccurate information being reported on my credit reports. They are reporting that I was 60 days late in XXXX of XXXX, and another report states I was 60 days late in XXXX. I had automatic payments set up and they claim my payment on XXXX was denied by my bank. My bank states there was never a charge attempted by XXXX in XXXX of XXXX. Regardless if they attempted or not, I never received notification of this and when I logged in to make a purchase noticed and immediately paid in XXXX. Even despite the error in the payment system I could not have been 60 days late in XXXX nor XXXX if the XXXX payment didn't come out correctly. The XXXX payment was processed correctly and paid. So in XXXX it wouldn't have even been past due more than 4 days as they state it was due the XXXX and reported on the XXXX. So this information being reported is inaccurate. They have since now reported a late payment on this account in XXXX of XXXX, 3 months after this account was paid in full and closed. 

In addition to these NEW reporting errors they also opened a dispute on my credit report on their revolving account which has nothing to do with the complaint or any others I have made. I didn't open the dispute and now it's on my report affecting my credit and possibly my mortgage underwriting. So not only are they incorrectly reporting now they have opened a dispute on a completely different account! It's sad this is how good customers are treated.
Consumer complaint received 2021-05-14
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. (MD)

XXXX Transunion is in Violation of 15 USC 1681b-Permissable purposes of consumer reports ( a ) 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 who it relates. 

I never gave XXXX or Transunion any consent to report anything on my consumer report, No consent is identity Theft. Attached is a copy of the law. 

Concerning the account listed below as a consumer I'm demanding a deletion of this account immediately or I will seek damages in small claims court in my city and state. As the original creditor only I can validate the debt. I Do not Validate this debt. Please Delete all accounts from my credit profile immediately in the amount of {$2100.00} and {$1700.00}.
Consumer complaint received 2019-01-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC (AL)

ON XXXX XXXX MY EX HUSBAND AND I WENT TO XXXX AND JOINED A MEMBERSHIP WEBSITE WITH A COMPANY BY THE NAME OF XXXX. WE WERE TOLD THAT THIS MEMBERSHIP AT THE TIME COSTED {$2400.00} AND THE DOWN PAYMENT WOULD BE {$240.00}. ON OUR WAY HOME WE DECIDED TO WAIT BEFORE WE START DOING HOME IMPROVEMENTS ON OUR HOME. SO I CALLED THEM THE SAME DAY OR THE DAY AFTER AND TOLD THEM THAT WE WERE CANCELLING THE MEMBERSHIP AND TOLD THEM WHY. I'VE NEVER HEARD ANYTHING ELSE ABOUT THIS UNTIL XX/XX/2018 WHEN I RECEIVE A MESSAGE FROM XXXX XXXX  STATING THAT MY CREDIT SCORE HAS DROPPED DO TO A COLLECTIONS THAT HAS BEEN ADDED TO MY CREDIT. IT IS UNFAIR TO US TO HAVE TO PAY FOR SOMETHING WE NEVER USED. WE NEVER VISITED THEIR WEBSITE OR USED THEIR SERVICES FOR ANYTHING. I CONTACTED THE COLLECTION AGENCY OMEGA RMS THAT SAID WE OWE {$4100.00}. AND TOLD ME THAT THEY WERE HIRED TO COLLECT A DEBT AND TOLD ME TO CONTACT XXXX. I CONTACTED XXXX   AND STILL NOTHING HAPPENED THEY TOLD ME THAT BECAUSE WE SIGNED THE CONTRACT THIS IS OUR DEBT. I ASKED THEM TO PLEASE SEND ME A COPY OF THE CONTRACT AND HIGHLIGHT THE LINE THAT STATES WE CAN'T CHANGE OUR MIND. I COULD UNDERSTAND IF WE HAD WAITED 6 MONTHS OR EVEN A YEAR TO CALL AND CHANGE OUR MINDS BUT WE DIDN'T. I THINK WE CALLED EARLY ENOUGH TO NOT BE CHARGED.
Consumer complaint received 2019-01-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

I have disputed the account with National credit system several times before due to the amount showed due. I contacted the original creditor XXXX at XXXX XXXX, in order to request information on the amount that showed due. I was giving no explanation stated they have had new management so they do not have any documents from XXXX, just to contact National Credit Systems. Once I contacted National credit system I was told the balance was due to damages. I requested proof of damages as well as original lease and statements. I filed another dispute with XXXX on XX/XX/XXXX to validate debt and amount due.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXXXXXX were still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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
Consumer complaint received 2021-05-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (MN)

How can there be a 90 day late report in my credit report, there is not one of 30 and neither one of 60, I did not have previous arrears so it does not make sense that they report something like that, it affects me since it appears in such a way In my credit report, it is a violation and a gross error.
Consumer complaint received 2022-04-11
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: DISCOVER BANK (AZ)

I have a Discover card on my report that was opened years ago. I have been going back and fourth stating that these charges were unauthorized which ran up my card amount and then the card was canceled by the company ( Discover ) because I refused to pay the bill. I can not legally be held accountable for fraudulent credit charges and there were over {$2400.00} worth of charges. The account reporting is not tied to any information of mine. I would like proof of my ID being used to open this account then also of the charges that were accumulated on the account as well. I believe this information is erroneous and needs to be rectified immediately. Removed in good standing.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX, XXXX  and Equifax are still reporting an inaccurate account on my credit file. This account is over 7 years old and is well past the statute of limitations. Under the law they are supposed to respond to me and they have not. They have yet to provide proof of this debt and account or how they verified it is valid. 
It is not valid and it needs to be removed - XXXX XXXX XXXX - XXXX
Consumer complaint received 2021-05-14
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. (UT)

Transunion, XXXX and XXXX  are still reporting an inaccurate account on my credit file. This account is over 7 years old and is well past the statute of limitations. Under the law they are supposed to respond to me and they have not. They have yet to provide proof of this debt and account or how they verified it is valid. 
It is not valid and it needs to be removed - XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-04-11
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-14
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. (MO)

I viewed my report and discovered there were unverified accounts. I reached out to bureau and it was not corrected. here is the item : XXXX XXXX XXXX  # XXXX
Consumer complaint received 2021-05-14
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. (MO)

I viewed my report and discovered there were unverified accounts. I reached out to bureau and it was not corrected. here is the item : XXXX XXXX XXXX  # XXXX
Consumer complaint received 2019-01-14
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: SYNCHRONY FINANCIAL (CA)

Synchrony Bank performed an unauthorized unfreezing of my account and allowed miniscule money to be deposited to settle a claim regarding over charge & double charge nonetheless invoice fraud & potential fraud. 
Total initially charged 10min apart bills= ( 1 ) $ XXXX+ ( 2 ) {$770.00} = {$1900.00} Unauthorized deposit= {$200.00} Dispute was never settled. 

I ordered : Queen bed= {$650.00} Dresser & night stand= {$400.00} Deliver & tax= {$1200.00}
Consumer complaint received 2022-04-11
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (NJ)

To whom it may concern, I have an account from SYNCB/PC RICHARDS that was paid in full and closed and is still listed on all of my credit reports.

I called several times regarding this and was told by SYNCB/PC RICHARDS company this would be removed from my credit report. 

I just checked again today and currently XX/XX/XXXX and it is still showing up from ( SYNCB/PC RICHARDS ). I would like this updated and removed from all 3 credit report agencies ( XXXX, XXXX, and XXXX  ) as they had promised. 

Card Detail : SYNCB/PC RICHARDS Opened XX/XX/XXXX ( 18 yrs, 4 mos ) Closed XX/XX/XXXX Thank you for your time, efforts, and assistance in having this removed, I am grateful.