davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Attached are 6 counterfeit note report for each individual debt Please send to agency listed on each counterfeit note report. 
Debt has already been paid in full Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; The debt has been paid Pursuant to 15 U.S. Code 1692e. False or misleading representations You are in violation Please show original contract ( wet ink seal ) Show me the contract where you have permission to use my name? 

In order for any contract to be legal, lawful, and valid, it must con tain all 4 of the following requirements. If any 1 is missing, incorrect, or otherwise invalid, the entire contract is considered breached and unen forceable. A contract must : # 1 Provide full disclosure of all the terms of the contract. 
# 2 Provide equal consideration from both parties to the contract.

# 3 Provide for and evidence lawful terms and conditions. AND ...

# 4 Contain signatures of both parties to the contract, signifying a meeting of the minds.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion not able to add a credit freeze after applying online. The website says that a credit freeze is unavailable and to check back or try calling XXXX. 

I tried checking back the following two days with the same result so I called the number provided. An agent who answered the phone took my contact information and informed me that someone would call me back within 3 days.

I believe that TransUnion is required to add a credit freeze to a consumer 's credit file within 24 hours of a request, but this is not the case so I believe they are violating my right to a credit freeze.
Consumer complaint received 2020-12-09
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. (IL)

I have a private student loan with XXXX XXXX XXXX ( XXXX ),  which I pay on time. However despite the fact that I pay on time, I was reported 30 days late in XX/XX/2019. I contacted the company three times and spoke to 9 different " supervisors. '' They repeatedly assured me that my account correctly reflects that I was not late and denied reporting to the credit bureau that I was late. They sent me two different letters confirming that in XX/XX/2019, my account was in good standing and advised me to dispute it with the credit bureaus. 

I filed two disputes with all three credit bureau agencies and each time XXXX confirmed that the late payment was correct. I advised XXXX  of this and they once again denied it. I was denied a loan because of my " late payment history '' so this error is negatively impacting me and causing me an extreme hardship. I am trying to get this resolved ASAP. Thank you.
Consumer complaint received 2019-08-23
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Credit Solutions LLC (TX)

My husband began receiving back to back calls from Global Credit Solutions in XXXX of 2019. When finally answering I was told I owed XXXX I immediately told the gentleman I would not pay because I have been scammed and that I wanted it in writing. He very disrespectfully replied I should pay my bills, and he used a lot of profanity. They began aggressively calling back to back. On XX/XX/2019 they called back to back a few times and after finally answering I told them not to call anymore. They replied that They was going to call until I paid. I attempted to resolve the debt and offered to send a check in two weeks when I get paid, but they  wouldnt give me the address. I called back and the recorders woman on the phone said the company was called XXXX XXXX XXXX and In every conversation I had with someone they was rude, disrespectful, wouldnt let me speak. My husband was called names, we was threatened to be sued, they stated they would send someone to our house, they stated they would call the police, I was told to pay my bills, and my husband was even called a XXXX   XXXX. My mother was headed home and was stopped by our neighbors who said they called them and gave them all my information about the debt and more. They know how much and who I owe. Which is completely illegal. I spoke with XXXX, XXXX, who told me to continue to suffer from them calling everyone, a XXXX who said he would continue to call even after I asked for them not to and asked for the email to send them my written request to not call, and a XXXX XXXX XXXX ID she said was # XXXX, who started yelling at me randomly. These are the names that have been giving to me although I do believe they are not their real names.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been calling and requesting TransUnion to delete these inquiries and they arent event willing to look into it. I am unfamiliar with and they refuse to delete. Please delete these inquiries. 

XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/22
Consumer complaint received 2020-12-09
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: STATE EMPLOYEES CREDIT UNION (NC)

NCSECU reported 44 charge offs on my credit seriously damaging it. The account is delinquency is 4 years old and randomly showed up again on my credit as multiple late payments over the limit and charge offs after the account was written off again after 4 years.
Consumer complaint received 2019-08-23
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. (FL)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Citi Bank advertised that if I open up an account with {$50000.00} and maintain that balance for 3 months, I would receive {$700.00}. After 3 months, I called Citi Bank and was told that I qualified for the bonus and I would see it on my statement at the end of the month. I called several times over the course of 3 months and I did not get my bonus. My sister opened up her own account and she had to fight to get her bonus, too. She eventually did. However, they are still promising that I will get my bonus but it's been 5 months since Citi Bank VP Branch manager and Citi Bank representatives assured me I will receive {$700.00}. We've been stopping in the branch multiple times and they say it's coming. I sent emails, too. Citi Bank does not honor its word. I read online reviews, too, and other customers are having the same issue! XXXX XXXX XXXX XXXX rates Citi Bank an " F. '' Another customer at the bank was also complaining about not receiving his {$700.00} bonus. Do not trust that Citi Bank honors its promotions and bonuses. Even when I say that I will consider taking action for bad faith, they still do not care. I highly recommend finding another bank to conduct your business.
Consumer complaint received 2022-02-03
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: LD Holdings Group, LLC (CA)

I sold my house in 2020. Loan Depot reported my final payment as late, over 90 days. I was on deferred payments and still had 2 months to go before it ended when the house was sold. All came of my credit reports until this year when apparently one or more of the reporting agencies decided to verify with Loan Depot who, it seems, failed to repspond. 
I don't blame them, they already did their part. Now I'm being denied credit because of this.
Consumer complaint received 2022-05-02
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. (IL)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX ( {$140.00} ) XXXX XXXX XXXX, XXXX - Account Number : XXXX ( {$2500.00} ) XXXX XXXX XXXX - Account Number : XXXX ( {$390.00} ) XXXX XXXX XXXX, XXXX - Account Number : XXXX ( {$220.00} ) XXXX XXXX XXXX XXXX - Account Number : XXXX ( {$650.00} ) XXXX XXXX XXXX - Account Number : XXXX ( {$540.00} ) XXXX XXXX XXXX - Account Number : XXXX ( {$370.00} ) XXXX XXXX XXXX - Account Number : XXXX ( {$540.00} ) XXXX XXXX XXXX - Account Number : XXXX ( {$750.00} ) *15 U.S.C . 1681 Section 602 A. States I have the right to accurate credit reporting and privacy.

*15 U.S.C . 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-03
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. (CA)

The accounts below are reporting on my personal credit file with TRANSUNION. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2021-12-21
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: Experian Information Solutions Inc. (TX)

XXXX XXXX has been reporting on my credit profile to collect a debt that is not my debt I have sent several dispute action to XXXX Experian and XXXX regarding the debt that appears on my credit report. I have also reached out to XXXX XXXX back in XXXX they mailed me a letter to fill out a ftc.gov form affidavit I filled that out I mailed it is still appear that it is showing a closed account That has not been removed as a fraudulent activity on my credit report. On the XXXX and also Experian, it appears that it was removed as I show documents and then it appears it is show back up on my credit report and I am reporting the inaccurate fraudulent activity that is reporting on my credit report. The account XXXX XXXX does not belong to me. As I have attached documents and mailed out several letters I have tracking receipts and I have mail certified letters sent to the bureaus.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, transunion and XXXX have inquiries on my credit report. that are not mine. 
INQUIRES : 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, XXXXXXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX not mine
Consumer complaint received 2023-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

Our mortgage was transferred from XXXX to Shellpoint/NewRez as of XX/XX/2022. The account was up-to-date and our XXXX payment to XXXX was applied on XX/XX/2022. 

However, Shellpoint created our account with an initial payment due date of XX/XX/2022 and has categorized each subsequent payment as late. 

We have emailed and spoken with Shellpoint 8-10 times about this, providing documentation many times. Their story has evolved : 1. first Shellpoint claimed XXXX did not forward the XXXX payment ; 2. later Shellpoint claimed XXXX was refusing to forward the XXXX payment ; 3. then Shellpoint claimed XXXX transferred the loan with a due date of XX/XX/2022 so it didn't matter what the payment history said as Shellpoint was legally compelled to adhere to this due date ; 4. Most recently we provided proof that XXXX transferred the loan with a due date of XX/XX/2022. Following this, Shellpoint claimed they corrected the mistake. It has not been corrected.
Consumer complaint received 2022-02-03
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. (CA)

The accounts below are reporting on my personal credit file with EQUIFAX. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-02-03
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. (CA)

I have an auto loan with XXXX XXXX XXXX XXXXXXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Credit Bureau with no successful resolution. There was definitely an error on their part. 

XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERNST, ARTMANN AND ASSOCIATES, INC. (CA)

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX AND AS XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


XXXX XXXX AND AS XXXX
Consumer complaint received 2018-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (VA)

To whom it may concern, I applied for a Barclays credit card with XXXX rewards this past month. I got a letter stating that I was not approved due to Unsecured revolving credit history short. 
At the time of my request I had a credit score of XXXX per their rejecting letter which I am attaching to my complaint. 
I feel at this time they are not giving me this card due to the fact my last name is XXXX and I am a female. 

Can you please look into this matter for me as I have a credit history with a good score so there should had been no reason to not approve me. 

Thank you, XXXX XXXX Application number is XXXX
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


AWA COLLECT XXXX AWA COLLECTIONS XXXX AWA COLLECT XXXX
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc. (CA)

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

PROG MGT SYS XXXX PROGRESSIVE MGMT SYS XXXX PROG MGT SYS XXXX
Consumer complaint received 2022-02-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (CA)

I have an auto loan with BMW FIN SVC XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Credit Bureau with no successful resolution. There was definitely an error on their part. 

BMW FIN SVC XXXX
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CA)

account frozen on XX/XX/XXXX called XX/XX/XXXX to unlocked, and frozen the same day called XXXX said it was under investigation. 

called the XXXX, 4 times got hunged up 3 times trying to find out what was wrong with my account was told to call back tomrrow called the XXXX was told someone had already talked me about it, got hung up again called the XXXX, was just told it was still under investigation
Consumer complaint received 2022-02-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (CO)

Dear Sir/Madam ; Out of the clear blue I received a DEMAND FOR PAYMENT letter from a XXXX  law firm called Linebarger Goggan Blair & Sampson, based in TX but with an office in XXXX CO. The letter screamed SCAM. They claim that I owe money for a toll on XXXX. I do not believe that I have ever even been on XXXX in my life, they want {$83.00} for what I assume is a $ XXXX dollar toll. They claim that they have made previous notices to me but not how or when and I have never in my life even heard of this company. 

The letter reeked of being a scam so I googled the company and discovered a very long list of complaints about this organization and their unscrupulous business practices. 

If I did incur a toll I would be happy to pay it, but not {$83.00} for a scammer. 

Can you please investigate this firm?
Consumer complaint received 2023-07-03
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. (MS)

i reached out to XXXX AND TRANSUNION ABOUT THESE COLLECTION ACCOUNT THAT DOESNT BELONG TO ME AND THEY ARE STILL ON MY CREDIT REPORT AND ALSO THE FRAUDULENT INQUIRIES I WANT THEM REMOVED ASAP
Consumer complaint received 2022-12-28
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. (NJ)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no XXXX XXXX involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX TX XXXX Balance {$0.00} XXXX XXXX TX XXXX Balance {$880.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX Balance {$300.00}