davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (GA)

In addition to complaint # XXXX and XXXX regarding Velocity Investments LLC I recently received yet another letter requesting payment on a debit I never had and it's the same one Velocity illegal put a lien on my home for. I know Velocity are ignoring your requests, but knowing they are continually harassing me for the same alleged debt even though they have a lien on my home, I need help this situation has prevented my for refinancing my home for the past several years and I feel it's time Velocity be stopped from harassing people.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have made numerous attempts to rectify the matter regarding my student loans with XXXX. After receiving correspondence that my student loans were in deferment last year due to the government protections put in place because of the pandemic, this year in XXXX, XXXX made all of my loans due and has reported me delinquent to all three credit bureaus for 6 months. In addition, interest has continued to accrue and I have received numerous calls and notices in the mail regarding the loans. I was once advised that the loans were not federally backed loans which is in contrast to the way they are reported on the XXXX site as XXXX loans. XXXX  loans fall under the protections that XXXX and the XXXX of the United States have put in place since XX/XX/XXXX. 

XXXX is taking advantage of student loan borrowers and destroying personal credit that so many of us have worked so hard to build.
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlantic Credit & Finance, Inc. (VA)

The company is Atlantic Finance and Credit based out of XXXX, Virginia. I try to call and pay what I owe and they are clearly dodging my phone calls. I was finally answered by someone and transferred to a voice mail after hours of calling. They will not call me back and continue to charge my bank account {$22.00}. They have hundreds of reviews online about them not contacting consumers or being extremely rude when someone finally males contact. They are being extremely shady and unprofessional and I want my debt paid so I can remove them from my credit report and my livelihood.
Consumer complaint received 2019-08-27
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. (ID)

XXXX and Transunion are reporting incorrectly collections on the following : XXXX XXXX XXXX/XXXX XXXX XXXX, Account number XXXX, Amount Due : {$4900.00} XXXX XXXX XXXX, Account number XXXX, Amount Due : {$1100.00} XXXX XXXX XXXX/XXXX XXXX XXXX, Account number XXXX, Amount Due : {$720.00} XXXX XXXX XXXX, Account number XXXX, Amount Due : {$330.00} ( Please see pages 3, 4, and 5 of the attached credit report. ) I have also attached a copy of the NOTICE OF DEBT from XXXX XXXX dated XX/XX/2019. This bill is not only incorrect, it was sent to a family Members address, but has my name listed. This is a complete violation of HIPPA. In addition, this attempt to collect these debts are completely bogus. I have now, and have had in the past, medical insurance coverage. There was never a gap in my insurance. This is clearly a billing issue and is not my fault that the medical facilities never billed correctly. I did not incur these outstanding balances, nor do I owe these outstanding balances. This incorrect reporting of collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.
Consumer complaint received 2018-10-12
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: EQUIFAX, INC. (CA)

My credit score continues not to increase no matter how much I improve my credit. It is the same score as it has alway been since I have had credit. 570-580. I have owed a car a faithful on my car payments 3 years straight ( same score ) it show 's I no I closed my account with my rental XXXX XXXX because our lease was up. Stay there 2 years paid on time, but it show account closed. which decrease points and it's was an apartment, but it does not show good credit like I paid 2 years straight it shows closed which decrease your credit points. The credit bureau has never showed good credit like now it went up only 3 point and one went down 3 points, however, it has never raise more then 570-580 since I have had credit and I am in my 50 's
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue.
Consumer complaint received 2022-06-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2018-07-31
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: Experian Information Solutions Inc. (NC)

My wife and I recently sent an investigation request to the credit bureaus. We are attaching a copy of the letter we sent, with our identity verifications attached. Well over 30 days have passed, and we have yet to receive any responses.
Consumer complaint received 2019-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (NY)

I requested a XXXX XXXX request for forgiveness of my loan in XX/XX/XXXX. It was not approved until XX/XX/XXXX, in which they are now today telling me requesting additional information. I asked for the history of the loan to verify that I had 3 loans with them. I am only aware of 1 loan. They are telling me it was back in 1XX/XX/XXXX and XX/XX/XXXX. 

I am disputing the validity of the actual amount and the handling of this loan with this company. I would like a thorough review. Because this is harming my chances to obtain housing since I have been displaced without work since my injuries.
Consumer complaint received 2018-12-05
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: PNC Bank N.A. (IL)

I had opened an account with pnc bank in XX/XX/XXXX. My former employer wrote bad checks to me and never paid the fees with them resulting in me having to close my account because at the time I couldnt afford to pay the {$75.00} in bounced check fees. Fast forward to XX/XX/XXXX and I am still getting denied bank accounts due to this incident that happened 9 years ago. Pnc has reported this to ChexSystems and entered it in XX/XX/XXXX. 6 years after the fact. This is to my knowledge illegal. I would like assistance to help with my case.
Consumer complaint received 2018-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (OH)

Mercantile Adjustment Bureau reported a collection to my credit, yet when I contacted them to dispute it, they couldn't find any collection under my social security number or past addresses. The fact that this or any collection agency can erroneously report a debt on anyone 's credit without the appropriate information is unethical.

I need this collection to be removed from my credit report immediately. I am currently on the market to purchase a home, and my credit dropped significantly due to this collection. Please help me ensure Mercantile Adjustment Bureau rectifies this matter. I, like many Americans, work very hard to keep my credit and accounts in order. We should not be placed in a situation where our credit and reputation is harmed while debt collectors continue these unfair predatory practices upon consumers such as myself.

Thank you for help and assistance.
Consumer complaint received 2021-09-14
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: EQUIFAX, INC. (CA)

I'VE BEEN SENDING ROUND AFTER ROUND TO THE CREDIT BUREAUS REGARDING INQUIRES REPORTING ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE.
Consumer complaint received 2021-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are a lot of credit inquiries on my credit report that I do not recognize and did not consent to. I have tried disputing these inquiries with the credit bureau and they have not responded nor removed any of the inquiries. The dates I disputed these inquiries are XX/XX/2020, XX/XX/2020, & XX/XX/2020.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Notice of Dispute Pursuant to Section 611 ( a ) of the Fair Credit Reporting Act & Section 168 of FCRA the following item listed below does NOT match my records nor the Credit Bureaus records. Under this same Act this information must be DELETED at once from my Credit Report.

I recently obtained a copy of my consumer credit report from your Bureau and hereby dispute the completeness and accuracy of the following information. I demand that your Bureau correct this information immediately. The information I am disputing is as follows : The Bankruptcy is being reporting incorrectly. Your Agency is reporting a Chapter ( XXXX ) Bankruptcy. That is incorrect and should be Deleted Immediately. 
Under Section 168 of the FCRA this info does NOT match the records of both your Credit Agency and my own Files. Therefore, this item must be deleted under law. 

Furthermore, the bankruptcy was removed from the other agencies due to the information received from XXXX XXXX of identity theft.
Consumer complaint received 2019-08-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Since my other mortgage company transfer our account to this new Shell Point Mortgage has been only travel and issues with them and they are a big lairs, they are not honest at all every month for the last 6 of then i been having issue and we are tired, I hope so we transfer all my account to a new mortgage company soon or sooner
Consumer complaint received 2022-06-11
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-07-31
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. (MO)

I have recently pulled my credit report this last XX/XX/XXXX. I see there are plenty of hard inquiries as well as student loans and rental property info from XXXX that all are not mine.I have called and was told I had to dispute in writing because they will not remove the inquiries over the phone and would not investigate my report for accuracy unless disputed online. I disputed the accounts and still was not helped. I have filed a XXXX fraud report due to the inaccuracies on my credit report with XXXX TransUnion and XXXX.
Consumer complaint received 2024-02-02
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. (VA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2021-12-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CO)

NewRez mortgage, my current FHA mortgage holder kept calling and emailing me about refinancing. I finally gave in and did their process and not communicated with through the entire process. I was advised that this was an FHA streamlined finance with no out of pocket to me. The first closing date arrived and the notary requested a check for $ XXXX dollars that I had never been advised of. I cancelled the closing and asked them to stop the process as they had lied to me and I didnt trust them. They then came back and somehow the closing funds were half and I was given a hard-sell for a Monday XXXX closing. I agreed and when the new amount was sent on XXXX  XXXX in the morning it was {$1900.00}, and not the {$900.00} figure quoted. I asked them to please fix it and was told theyd get back to me immediately. They didnt. Now its closing day and they are giving me a new number altogether. Its a mess. Nobody responds and the closing figures have changed many times and NONE of those times were the no cost I was promised. Ive waited time and got my credit score by trusting these folks. It is New Rez Mortgage and the sales guy is XXXX XXXX. Please help.
Consumer complaint received 2021-05-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Many times within the last five years I have disputed this with portfolio recovery associates. I have asked them to prove that I owe this debt. All they sent me each and every time was four pages that showed amounts from $ XXXX- {$1600.00} which I disputed. I asked portfolio recovery on many occasions to send me from day one anything that shows that I purchased something, a signature card where I had signed for something. They have not provided me any information that I have asked for. And the funny thing is I asked them on XXXX XXXX XXXX and they had an answer for me on XX/XX/2021. Even though I dont owe this amount of money I have offered to settle with them for {$500.00} if they are willing to take this off of my credit bureaus all three and they have refused. My complaint is that they are not thoroughly investigating Any of the debts that I owe. That is my complaint and if I dont get this resolved by you Im taking them to court and I am suing them for XXXX figures through my attorneys XXXX and XXXX. They have ruined my credit reputation, they have not done their legal fiduciary responsibility and Im sick and tired of calling them and have them being rude to me telling me that theyre going to sue me at threatening to sue me and they never do so I hope you people can certainly help me out. Thank you
Consumer complaint received 2018-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL (OH)

Paypal Credit. 
Purchase date XX/XX/2018 Purchase amount {$340.00} Special Financing. No Interest if paid in full by XX/XX/2018. 

Payments made : XX/XX/XXXX : {$56.00} XX/XX/XXXX : {$92.00} XX/XX/XXXX : {$66.00} XX/XX/XXXX : {$200.00} None of these payments were applied to this purchase. Called and talked to Paypal Credit both the initial responder and the supervisor said I must call in within the billing cycle of a payment and request it to be allocated towards the specific purchase. Otherwise, it goes towards the rest of the account 's balance by default. I feel this is a very deceptive way to keep promotional purchases from being paid off in order to charge interest. Plus, this line of credit can only be used online, yet I can not allocate my payment online? 

I can not find any documentation referring to any of this on my statements or online.
Consumer complaint received 2023-03-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Unity Asset Management (FL)

I received a call from a spoofed number XXXX. The person on the phone stated that she was calling from Unity Assets and that she was only the secretary and she could not go over why she was calling so she transferred me to a XXXX XXXX. XXXX XXXX proceeded to tell me about a debt that I owed from a company called XXXX XXXX. She said papers came across her desk from their client. I told her the financial situation that I was in, and was willing to set up a payment plan. I told her that I could not make a payment today but I could set up something for the end of the month. XXXX XXXX said that they could not wait that long and that they needed a good faith payment today or they would mark my file as a refusal to pay. When I began questioning her about this, she began saying that she was feeling very uncomfortable and that she was going to mark my file as a refusal to pay. I never once in the phone call said that I would not pay, I told her I could not make a payment today. Also she misrepresented herself saying that she was working for a client when in reality they bought this debt from the original creditor who is XXXX XXXX. When I asked for her full name and company info, she became upset and was saying I was making her uncomfortable. I have a right as a consumer to make sure that I am paying a legitimate debt and to ask questions about this debt. I want to reiterate that when I began questioning her, that was when she began saying she was uncomfortable. This company is Unity Assets located in New York with a phone number of XXXX.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

XXXX is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX which is not my address and never was a family was occupying that address and stole my identity. I reported it to XXXX credit bureau with no resolve. Equifax information services, LLC is reporting XXXX XXXX XXXX XXXX, LA XXXX and XXXX is reporting XXXX XXXX XXXX XXXX, la XXXX, XXXX XXXX XXXX XXXX, la XXXX and I never lived there it was also apart of my identity theft case. 


XXXX has my name known as XXXX XXXX which is incorrect.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX which is not my address and never was a family was occupying that address and stole my identity. I reported it to XXXX credit bureau with no resolve. XXXX XXXX XXXX, XXXX is reporting XXXX XXXX XXXX XXXX, LA XXXX and Transunion is reporting XXXX XXXX XXXX XXXX, la XXXX, XXXX XXXX XXXX XXXX, la XXXX and I never lived there it was also apart of my identity theft case. 


Transunion has my name known as XXXX XXXX which is incorrect.
Consumer complaint received 2021-02-03
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. (NC)

Experian is listing this account XXXX with the wrong contact information I contacted the company they claim owns this account and is reporting and they have no record of that account in there system and experian refuses to remove this account which is illegal.
Consumer complaint received 2018-10-07
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: DISCOVER BANK (MI)

We purchased a roll up door from XXXX online. Order number XXXX. We purchased this with the expectation of a rebate that was promised. Rebate code XXXX. 

We received notice that the door was available for pickup on XX/XX/XXXX and the following week end, retrieved the item on XX/XX/2018. Now having received the merchandise, we attempted to collect the rebate. However, the rebate deal stated that it was no longer available and expired on XX/XX/2018. 

Our complaint is that we could not exercise the rebate until receipt of the merchandise, and because of their slow delivery, ( Order placed XX/XX/2018 ) we could not exercise the rebate. This was false and deceptive to offer a rebated price and then not making allowance for us to claim the rebate