davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-16
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. (MA)

Hello and How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info for Acct XXXX XXXX Acct # XXXX. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX  ; Experian and XXXX should not be reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2020-09-16
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. (CO)

XXXX XXXX XXXX and Transunion should not be reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2022-04-04
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. (TX)

My name is, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-04-04
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-04-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CO)

after purchasing my home, I lost my job due to COVID in XX/XX/XXXX. I then encountered XXXX XXXX so I called my mortgage company asking for assistance, XX/XX/XXXX. They instructed me that I will need to complete a full loss mitigation application. I started the process and completed the required documentation. Later I received a denial because too much time had past and my documentation submitted was outdated. XX/XX/XXXX. I re-submitted and was asking to provide additional documentation and letter of explanation for all deposits to my account. I provided that. I received a letter of denial because application was incomplete. XX/XX/XXXX. 

I called asking for details on application and what was needed. The request was re-opened and additional documentation was provided. XX/XX/XXXX. I was then asked to provide statements for my daughter 's, a dependent, checking account. I uploaded her statements. In XX/XX/XXXX, I received a letter that my mortgage was in foreclosure. 
I have called 22 times in the month of XXXX, and 3 in the month of XXXX. 

I have learned that because my hardship was due to COVID, I should not have had to go thru this entire process. It could have been streamlined. I have requested forbearance under the Federal CARES Act on XXXX.
Consumer complaint received 2022-04-04
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: JPMORGAN CHASE & CO. (TX)

On Monday, XX/XX/2022, I received an alert from XXXX XXXX that there were a few hard inquiries that had been added to my credit report. These are the inquiries that were added : XXXX Credit : XX/XX/2022 - XXXX - New Credit Inquiry XX/XX/2022 - XXXX - XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 - JPMCB - Card Service - New Credit Inquiry XX/XX/2022 - XXXX  - New Credit Inquiry I have called all of the credit card companies listed and reported the fraud but was informed that no new accounts had been opened. I am assuming someone tried to open several cards in my name, but they were thankfully unsuccessful. 

However, the hard inquiries are still on my credit report, and XXXX and XXXX can not remove them until I have filed a dispute. I would like to have them removed immediately. 

Thank you.
Consumer complaint received 2018-04-13
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Navient Solutions, LLC. (KY)

I realized today that It was reported on NINE DIFFERENT ACCOUNTS that I had 3 late payment on my federal student loans that were services through Navient then consolidated to another servicer inXX/XX/XXXX. These late payments are reported from XX/XX/XXXX-XX/XX/XXXX. This has negatively effected my credit report for almost 3 years. I went to the National Student Loan Data website to check my monthly statements. Nothing there. I went to the Navient website to look at the detailed monthly payments tab. There was absolutely NOTHING detailing any sort of payment or late payment. I am still not sure if I was charged fees for these late payments because there is no record of them.
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

XX/XX/XXXX, My son called property manager of apartment complex to get Security Deposit, leasing agent told him we owe money. The keys to the apartment was returned on XX/XX/XXXX. XX/XX/XXXX the collection agency sent my son an email stating that we owed {$7100.00}, I did not receive an email and I am the primary signer on the lease. The email did not state my rights to dispute or that I had 30 days to dispute, as state I did not received notification by mail. In the invoice there was a list of charge There was a list of charges with no explanation which months rent and expenses are collected/owed. The line items with amounts that are not factual and the write off Charges do not have description just numbers/amounts with negative or positive signs. The line items must have a description to determine the validity of the amounts, there are number but the same amount has a different number ( {$2200.00}, has XXXX, XXXX, XXXX ) which listed in one area as based rent ; this item must always have the same number code assigned even if different month. Utilities cost more for 20 days than entire month. Rent amount is {$1800.00} which included trash pick up, water, insurance. 
Sewer is billed from an outside company at rate of approximately {$50.00}. 
Water cost more for 20 days than for 30 days This debt is fraudulent, the apartment complex received payment as stated in the judgment issued XX/XX/XXXX and it was for five days of rent. No court filing were made after XX/XX/XXXX. 
GENESIS CREDIT MANAGEMENT LLC, has this amount as owing rent and is listed when my name is search on the internet, which lead to myself and my son not being able to rent an apartment with this collection on my credit report. Genesis Credit did not file any legal complaint against me or my son which violates FRCA.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

2018 was given a modification by using AFFORDABLE HOUSING AGENCY IN XXXX NJ, XXXX RECORDED THIS MODIFICATION AS A FORECLOSURE! AS A RESULT, A NEGATIVE REMARKON MY CREDIT FOR MAKING LATE PAYMENTS HAS NOT BEEN REMOVED BY XXXX.
Consumer complaint received 2019-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

I have contacted this company through the credit bureaus multiple times to have this invalid account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, & Equifax continue to report inaccurate information on my consumer file. There are several names and addresses that do not belong to me. This is causing me harm and to be denied credit. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX there should be no other information listed on my consumer file. 
The consumer agencies are required to report accurate information according to federal law. 

XXXX XXXX XXXX XXXX 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 XXXXXXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

XXXX, XXXX, & Equifax are continuing to report incorrect information on my consumer reports. Under federal law consumer agencies are required to maintain 100 % accuracy and in this case they are not. There are several name variations and address that are incorrect and should be immediately deleted. 

My name is XXXX XXXX there should be no other names listed on my consumer report or aliases. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2020-09-16
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)

Transunion should not be reporting that I am ( XXXX ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I contacted XXXX XXXX and due to a hardship caused by COVID, XXXX XXXX agreed for me to defer payments. I have attached a copy of their correspondence for verification of my conversation with a XXXX XXXX representative. This false reporting of a late is seriously harming my credit score and this line item needs to be updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to fix this however, I have not been successful.
Consumer complaint received 2019-06-12
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. (TX)

I called XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX Spoke to a rep that stated if I paid the 7 year old account in full they would remove it. I have paid it in full and the account still remains active and derogatory .And to add to that it also continues to reports " FP '' ( failure to pay ) which is equivalent to a late on my report each month. It continues to bring my credit scores down and is damaging my prospects of buying a house. XXXX XXXX is a 7 year old account and should not be reporting late and incorrect information.This account has continues to change balances from month to month. There are 2 derogatory XXXX XXXX account reporting to my credit report. 

XXXX XXXX is a 7 year old account and should not be reporting late, and in error. 
I would like this account removed or all errors removed and updated from my account for the past year.
Consumer complaint received 2022-04-04
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. (IA)

After reviewing my most recent credit report I see an account listed for XXXX XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Transunion has this account listed with incorrect DATE OF LAST PAYMENT of XX/XX/XXXX & DATE OPENED of XX/XX/XXXX. Why has Transunion not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MA)

Dear Office Of Attorney General and Bureau of Consumer Financial Protection : Regarding : Citi Bank Discriminatory Lending Practice. 
Citi Bank Application ID : XXXX XXXX XXXX : 1. I received an offer from Citi Bank for Pre-Selected to Apply for Citi Custom Cash Car ( Copy Attached ). 
2. I did apply om XX/XX/2022 ; a few days later I found the application was declined for an odd reason sounded like a personal and dosimetry opinion. 
3. The reason, as stated here in the attached letter, referred to credit obligation that was Too High but never indicated too high to What. 
4. Citi Bank provided Phone number ( XXXX ) to call with reference number # XXXX. The phone number works but keeps you waiting for near 15 minutes then, the system tells you No one is available to answer your call!. 
5. Again, I called today XX/XX/2022 but same message came out after waiting another 15 minutes. 

Conclusion : 1. My Total Debts to Income ratio is very low may be under 32 % since I do not have any Credit Obligation more than my Mortgage and all other credit card paid off on monthly bases. 
2. My Assets to Credit Limits are 2:1 Since Citi Bank never requested me to provide any Income or Assets Varication to provide dependable Ration that can be matched against their Written Policy, I strongly believe the Bank has been adoption discriminatory Lending Practice uses Personal Opinion rather than procedure to verify the facts of the application. 

Please contact the bank and have them provide you with my Total Debit To Income ratio and have them define the meaning of Too High to meet their approval Guideline. 

Sincerely XXXX XXXX
Consumer complaint received 2018-02-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Green Trust Cash, LLC (WA)

I borrowed {$700.00} on XX/XX/XXXX I have made 2 XXXX Payments on XX/XX/XXXXand XX/XX/XXXX. I called to pay off the loan on XX/XX/XXXX. They said the pay off is {$880.00}. I asked how it could be that much if Ive almost paid {$400.00}? They said every day collects interest and I wont start paying for the loan until XX/XX/XXXX. This is crazy. I am willing to pay back. The loan but not that much!!
Consumer complaint received 2020-09-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Fifth third bank committed fraud, I have filed a FTC identity theft report, this bank did the same as XXXX XXXX by opening accounts in my name with out my permission I called fifth third bank and I got talk to very badly and treated with unprofessionally, I was transferred constantly they is didnt want of hear about my issue, Ive already had to sue XXXX XXXX several times and succeeded with winning both cases, my identity has been used in the past, Ive had problems with identity theft, this bank is just that bad this account needs to be taking off XXXX  or Im filing a complaint with the attorney general here in ga