davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION (CA)

in my repoort it states that my license is expired and it is not it is current .i think my name may have been misspelled the correct spelling is XXXX XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-04-09
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. (CA)

I have a hard inquiry on My XXXX and Transunion credit report as of XX/XX/2019 from XXXX XXXX. XXXX XXXX says they never made an inquiry and to call XXXX to take it off there is nothing XXXX XXXX can do about it. XXXX  says call XXXX XXXX and only they can take it off. Each person is pointing the finger at the other company and no one will help me get it off the report. 

As far as Transunion goes someone fraudulently made a Credit Card application from XXXX XXXX and the Hard Inquiry in on there from XXXX XXXX. XXXX XXXX says they only made the Hard inquiry to Transunion and not XXXX. XXXX XXXX has found that the application for credit was fraud and the Transunion inquiry on my credit report should be removed but they told me to contact Transunion to do it. Transunion told me only XXXX XXXX can has the inquiry removed. Again each company pointing the finger at the other. I want this resolve with both inquiries removed ASAP.
Consumer complaint received 2018-11-20
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. (OH)

have sent 4 dispute letters over the course of 5 months to the reporting agency disputing items on my credit report that are inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT or the source used to verify that the account is accurate, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. 

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 2023-01-28
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. (AL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus dated XX/XX/23, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 

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 XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (AZ)

Not sure how to describe this because I have issues on 2 fronts : 1 ) I was XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During that time I had student loans that were deferred because of my XXXX XXXX status. But the companies would constantly sell my loans to other companies and I wouldn't even know about it until I was in collections and started getting letters. My credit was destroyed for 10 years because these companies would sell my loans, I would end up in collections ( even though XXXX XXXX has deferred status ) and I would have to resubmit all my military orders again. But the years of collection dings still show, even though I was payment deferred due to XXXX XXXX status during that time. 

2 ) I was dealing with PENN collections on a {$130.00} bill that I didn't even know about. When I spoke with the guy on the phone 2 weeks ago my impression was that paying it would remove it from my credit report. It did not and they won't help. They simply marked is " paid '' so my credit score is still damaged. 

I'm trying to refinance my VA loan, and these things are preventing it. I've never missed a bill I've known about and all my student loans are now paid ( I paid them off because I was so tired of having them sold and then ending up in collections because I couldn't even find where they were sold to ). I just need my credit report to reflect my 100 % payment history and figure out how to remove all these blemishes that are either wrong or dealt with.
Consumer complaint received 2019-04-09
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)

My credit report is filled with discrepancies, and unauthorized accounts inwhich I'm now disputing and have disputed. The credit reporting agencies have deemed the disputed accounts as verified but did not support this with any hard copied documents that shows ownership. I'm respectfully requesting the Method Of Verification used in process of these accounts inwhich I'm disputing, ( 1 ) XXXX XXXX XXXX {$240.00}, ( 2 ) XXXX XXXX XXXX XXXX {$3600.00}, ( 3 ) XXXX XXXXXXXX XXXX {$0.00}, ( 4 ) XXXX XXXX XXXX {$600.00}, ( 5 ) XXXX XXXX {$3300.00}, ( 6 ) XXXX XXXX {$0.00}, ( 7 ) XXXX XXXX XXXX  {$480.00}, {$290.00}, {$240.00}, {$150.00}, ( 8 ) Missouri XXXXXXXX XXXX {$9300.00}, {$5300.00}, {$5000.00}, {$2700.00}, {$1300.00}, {$120.00}, {$94.00}. 
Please block all accounts above.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX  partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-09
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. (CA)

I have a hard inquiry on My Experian and XXXX  credit report as of XX/XX/2019 from XXXX XXXX. XXXX XXXX says they never made an inquiry and to call Experian to take it off there is nothing XXXX XXXX can do about it. Experian says call XXXX XXXX and only they can take it off. Each person is pointing the finger at the other company and no one will help me get it off the report. 

As far as XXXX goes someone fraudulently made a Credit Card application from XXXX XXXX and the Hard Inquiry in on there from XXXX XXXX. XXXX XXXX says they only made the Hard inquiry to XXXX  and not Experian. XXXX XXXX has found that the application for credit was fraud and the XXXX inquiry on my credit report should be removed but they told me to contact XXXX to do it. XXXX told me only XXXX XXXX can has the inquiry removed. Again each company pointing the finger at the other. I want this resolve with both inquiries removed ASAP.
Consumer complaint received 2019-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (MN)

There was a XXXX bill with my name on it even though I do not believe the bill is mine I disputed it with all three credit bureaus and XXXX  took it off but the other two credit bureaus left it on there even after it came out of dispute I called and asked waypoint XXXX XXXX to remove it and they wanted me to pay the bill anyway even tho it was removed from XXXX..I also said if theres a way for them to remove it or send me a letter stating theyll remove it if I paid it just so I can get it off my report and the young lady I spoke with hung up on me and I still have it on my record..and with it being on there its hurting my score making it difficult to obtain mortgage financing the bill is only {$84.00} and I would like to get it removed ASAP so I can get mortgage financing
Consumer complaint received 2020-01-28
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. (TX)

Equifax is reporting incorrectly a balance due in the amount of {$4800.00} on the XXXX  - partial account number XXXX. XXXX  and XXXX  are reporting correctly a {$0.00} balance due on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) The vehicle was sold at auction and sold for more than the outstanding balance due and consequently there is no balance due. This account needs to report a {$0.00} balance. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-06
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: Experian Information Solutions Inc. (CO)

Experian and XXXX are reporting incorrectly that I am ( 60 ) plus days late on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on account with a {$0.00} balance and {$0.00} past due. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2022-06-10
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. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2020-02-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2019, I filed a dispute with Transunion regarding several items that were being reported incorrectly. On or about XX/XX/XXXX ( nearly 2 months later ) I received a letter stating that the investigation was now complete. As you can see from the attached, the letter was dated XX/XX/XXXX. Thus, seemingly they were in compliance with FCRA. However, per the attached, the stamp on the envelope is dated XX/XX/XXXX!!! Thus, clearly, they were not in compliance and in fact seemed to have purposefully done this. 

Pursuant to FCRA, they are required to respond within 30 days. Failure to do so requires them to remove the disputed items. Please make sure they do so as they have caused me great hard and should be reprimanded for the seemingly obvious abuse. 

The items that were disputed and that need to be removed are : USBK Court NJ Docket # XXXX USBK Court NJ Docket # XXXX USBK Court NJ Docket # XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am getting charged doble the price of the vehicle value. The original price the dealership stated was XXXX. I dont understand why Im being charged in the amount XXXX. To top it off the dealership never stated the water damage and issues the car has.
Consumer complaint received 2019-04-09
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. (MO)

I'm disputing the following accounts due to my identity being compromised years ago and it's still haunting to me when I see my credit report. My credit report is filled with unauthorized and unknown accounts. The following accounts I'm demanding to be removed from my credit report, ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 ) XXXX XXXX XXXX {$130.00}, {$370.00}, ( 5 ) XXXX XXXX XXXX {$1000.00}, ( 6 ) XXXX XXXX XXXX {$51.00}, {$240.00}, {$120.00}, please remove these accounts immediately.
Consumer complaint received 2019-04-09
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. (MO)

I'm disputing the following accounts due to my identity being compromised years ago and it's still haunting to me when I see my credit report. My credit report is filled with unauthorized and unknown accounts. The following accounts I'm demanding to be removed from my credit report, ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 ) XXXX XXXX XXXX {$130.00}, {$370.00}, ( 5 ) XXXX XXXX XXXX {$1000.00}, ( 6 ) XXXX XXXX  XXXX {$51.00}, {$240.00}, {$120.00}, please remove these accounts immediately.
Consumer complaint received 2021-02-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (PA)

XX/XX/2021 received a phone call at XXXX EST. Persons identified as citi bank/best buy. I replied whats the call regarding? Persons replied citi bank/best buy. She asked to speak to the debtor. Again me asking what's the call regarding NEVER identifying myself she gave out sensitive information that only should have been given out if debtor gave out their name. I asked immediately to speak to a supervisor where nothing was resolved and they were going to look into the audio file.
Consumer complaint received 2019-04-09
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: CITIBANK, N.A. (GA)

1-I used Citi simplicity Card once to pay the amount of {$790.00} to XXXX XXXX XXXX on XXXX XXXX. I requested the Refund from XXXX for the same amount on the same date. 
2-XXXX sent the refund amount of {$790.00} back on the card on XXXX XXXX. Citi Credit Card disputed with the XXXX on the same date XXXX XXXX and according to XXXX statement the amount of {$790.00} was sent back on the card two times on the same date, one as a Refund and other as a Dispute. The refund reference number from XXXX is : XXXX. 
3- I have been billed by XXXX for the amount of {$1300.00} I do not owe : I contacted the Credit Card Company to resolve the problem Citi Card is stating that the refund was sent back by XXXX only once and it was reversed. On the other hand, XXXX is saying that the initial payment made on XXXX XXXX was not received at all by XXXX because a refund and a dispute was done on the same date and XXXX statement reflects two-time payment on the XXXX Credit Card for the amount of {$790.00} for each transaction. ( The total amount is : {$1500.00} .XXXX gave me a discount of {$200.00} and I am billed for the amount of {$1300.00} ) I will be faxing the billing statements from XXXX homeowners insurance.
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Synovus Bank (OH)

In trying to build a credit history through a credit repair comp ( XXXX XXXX ) I decided to apply for a credit card. In reading the information about the card they offered a Secured credit card and it read I need to pay {$99.00} in order to open a account. I'm a little cynical about so I read on the Internet but it offered that I could initially pay the processing fee and in 30 days pay the {$99.00} by the XX/XX/XXXX or 30 days. I paid it at the beginning of the month and I decided to check if they received the money because it was the first time using online bill pay through the bank. Well they tell yes they received it and when I pay an additional {$99.00} then I can activate the card. I tried to explain that was not what I read. And if it requires {$200.00} then didn't it asked that in the beginning. I feared it could be a scam but it seems like it might be legit. Regardless I requested my money back and they told me of some long process by which they will mail me a check. I thought when we went electronic we eliminated the lengthy process of mailing a letter. So to me they are sitting on my money to draw the interest then after they make money off of people who are on the lowest rung of the financial ladder. It's already ridiculous the interest rates themselves is gouging unnecessarily. The woman who I spoke to basically hung up on me as if to say ..Deal with it!! And they refuse to return the processing fee. Is this the personality of our Financial Institutions??
Consumer complaint received 2019-04-09
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. (OH)

I am having issues with addresses appearing on my file that do not belong to me! the following addresses are no mine please delete ASAP. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX MLK XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2020-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

My complaint is that I am a victim of XXXX XXXX 's Great Foreclosure Fraud with Specialized Loan Servicing LLC to foreclosure on my property. Plaintiff A copy of the Order to Docket suit is attached to this complaint. I have lived in the property for 22 years and have been fighting this corruption and fraud since 2006 when the mortgage documents were presented to me. I have detailed the truth in such scandalizing description highlighting the corruption, fraud and intentional deception perpetrated on the American homeowners, Maryland 's Civil Court, and myself by XXXX XXXX banksters, Specialized Loan Servicing LLC, Loan Servicing Companies, and the Plaintiff in my Motion to Dismiss Order to Docket suit with Prejudice as attached with this compliant to CFPB. With my Motion to Dismiss Order to Docket suit with Prejudice, I identify those parties, challenge assignments or transfer of a mortgage note and of deed of trust by a pool performance of my Mortgage loan securitization documents. With my motion I take to force each party to prove a chain of assignment and their legal standing to collect payments and foreclose on my property.
Consumer complaint received 2018-09-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc. (CA)

XXXX XXXX XXXX XXXX charged me instead of the insurance company as the notes even said " insurance/billing information not provided '' and now UCSB debt collection agency is trying to collect this XXXX $ amount that should have been paid by the insurance company in the first place, but was not due to an error made on the medical providers part. XXXX XXXX said I owe them for 'deductibles ' but this seems to be the same point in time my insurance was not billed adequately from lack of unknown information. XXXX XXXX did not try to resolve this issue with insurance and rather sent this phony debt to UCSB collections, who have constantly bombarded me with weekly phone calls.
Consumer complaint received 2020-01-28
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. (CO)

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.