davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-30
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. (CA)

ALL CRA REPORTING PUBLIC RECORDS ON CREDIT REPORT ... I NEVER HAD ANY BANKRUPTCY AND ALL AGENCIES REPORTING INCORRECT " PACER '' DATA ON FILE/ NOT MY ACCOUNT ..CASE # XXXX..VIOLATES FCRA PROVISION 604,605,607,611 AND 623 ( A ) ... REMOVE FROM CREDIT REPORT ASAP [
Consumer complaint received 2018-07-30
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. (VA)

I have attempted on four separate occasions to correct this problem via the credit bureaus. It appears that XXXX XXXX is not will to correct the issue. Per their own correspondence to me, they stated they would report the account as " Settled in Full for less than Owed. '' They are however reporting this as a foreclosure and it cost me finances on XX/XX/2018.
Consumer complaint received 2018-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Citibank homedepot credit card. 

I noticed a outrageously high finance charge with the credit cart I received from Home depot throught citibank. they  were charging me almost {$50.00} for the balance of {$390.00}. I called the Citibank about the issue, I disputed right away via home depot website. I made a payment of {$390.00} which is the amount that I owe to home depot Citibank credit card on XX/XX/2018. today, I spent 1 hour 15 minutes to find a solution for this matter, they  insisted that I need to pay that finance charge. I disputed this charge and late fee. I cancelled the credit card right away as of XX/XX/2018. 

They have to follow fair credit reporting act. I already made a payment of {$390.00} XX/XX/XXXX, {$390.00} pay off amount. 

{$64.00} finance charge they claim. 

{$27.00} late fee charge as of XX/XX/2018.
Consumer complaint received 2022-08-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NY)

This is my 2nd complaint about this company and nothing was resolved with the first complaint. 

I was in a COVID 19 forbearance with XXXX XXXXe and they sold my account to Freedom Mortgage on XX/XX/22. I made 3 months worth of payments to Freedom Mortgage in the amoun of {$4000.00} on approx XX/XX/22. Freedom Mortgage told me they were honoring my agreement with XXXX and they have not. 

I have been harassed with phone calls, threatening letters stating I am in default and they will be foreclosing on my property that has been paid by the COVID 19 modification money as well as my payment. I owe nothing until XX/XX/22 and I am constantly harrassed. 

They are now stating that I owe them for the month of XXXX and I DO NOT! They are paid until XX/XX/XXXX and they ALSO put me in a forebearance. I am afraid of losing my home at this point and I need to know if there is anything legal I can do through you to make them stop. They are screwing up my mortgage and I don't want them as my service provider because of this. It has been almost 3 months and they have done nothing but harass me the whole time. I NEED HELP!! 

They are deceptive and will not post all of my money to my account!
Consumer complaint received 2019-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rossman & Co & PCB (OH)

I dont think this debt is mine. XXXX called me on XX/XX/19 and notified me of a medical debt in my name. Because it was a collection agency and I am rebuilding my credit I entered a payment of {$35.00} a month. They promised to call me every month for payment. I asked during call will this be reported to credit bureaus they told me no, unless this went 90 days without payment. I called on XX/XX/19 and told rep at XXXX the arrangement and rep hung up on me when I requested supervisor. I called back XXXX times and someone picked up the phone and hung up. I called XX/XX/19 and rep told me they listened to call and told me they didnt say 90 days until credit reporting. I disputed with credit bureau. I told rep I will wait until dispute is handled until I make an arrangement. I changed my mind and called directly back to pay because I am trying to avoid bad credit. I called 3 times and was hung up on, immediately. XXXX is trying to ruin my credit. I have records of calls and payment.
Consumer complaint received 2019-08-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: DISCOVER BANK (AZ)

XXXX XXXX, whom is not a Licensed Collection Agency and has no Authority over my debts. They are a Monitoring company and keep sending me emails about my past due accounts, they do not have permission or authority to act as a Debt Recovery Agency, I constantly get emails from them weekly about different debts telling my my accounts need attention. 
I want this stopped!
Consumer complaint received 2019-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

I have been submitted to debt collection due to a debt owed by the last owner of my house. The collection is for a cemetery in XXXX XXXX that I have never spoken to that only speaks XXXX. In addition, the communication from the agency is only in XXXX and I can not communicate or understand what the issue is. This is not my debt and is therefore harassment as I have told them that I am not associated with the debt. 

The person with the debt is deceased and no longer lives at the property as I am the second owner of the house. 

Please ask this company to remove me from there list and notify the issuing party that this is not my debt. Making false claims is illegal.
Consumer complaint received 2022-11-19
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. (WI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NY)

I made a reclaim to the credit bureao Experian because i was victim of identity theft and There are 4 accounts that i dont recognize and are negativly impacting my credit score, the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I've been getting denied for mortgages, new credit cards and loans for over XXXX now due to inaccurate information being reported on my credit profile. Transunion stated that my accounts were properly investigated and updated. How is this if everything has remained the same and inaccurate. Transunion is reporting inaccurate last payment dates, terms, and balances. I've circled all the violations made by Transunion in my attachments. These accounts needs to be removed because they're violating my rights 15 U.S.C. 1681 section 602 A : States I have a right to 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.

Also they took more than 30 days to complete my investigation
Consumer complaint received 2021-09-08
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: Westlake Services, LLC (NY)

I have these items that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX/XXXX XXXX XXXX Account Number : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX/WESTLAKE FINANC Account Number : XX/XX/2020 This is not mine.
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (MD)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAINE WEINER ( Original Creditor : XXXX XXXX  ) XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2019-08-22
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: AES/PHEAA (CO)

FedLoan has already XXXX me out of 1.5 yrs of qualifying PSLF payments as a result of sending out a 'billing statement ' during my bankruptcy stay and after. There is another missing payment on all eligible loans for XX/XX/2019 where there should not be.
Consumer complaint received 2018-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc. (MD)

American Collection Enterprise is attempting to collect on a medical bill that was paid. I had two insurances at the time service was rendered and they were XXXX and XXXX. This bill was paid about 30 days afterward the insurance company paid the requested amount. This bill also has some added fees. This bill was never this amount.
Consumer complaint received 2022-08-17
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: CARRINGTON MORTGAGE SERVICES, LLC (VA)

I have been communicating with Carrington Mortgage about a mortgage assistance application since XX/XX/2022. Carrington Mortgage always made it seem like there something else that was needed in my mortgage assistance application. They would inform me to call them, however, the phone numbers listed are not working numbers. In XX/XX/2022, I started receiving notification about foreclosure options. When I emailed & called XXXXarrington Mortgage, they would inform me those are standard notification and it doesn't mean anything. I continued to follow Carrington Mortgage guidelines of what I was informed, however, Carrington Mortgage processed my payments for amounts they knew were too high for me to afford. I called them immediately and ask for my options. The information I was told was to complete the Mortgage Assistance application again and let the underwriters fix everything. The action that Carrington Mortgage took was reporting " Default '' on my credit report for my mortgage, while I have my mortgage assistance package submitted to them to start making mortgage payments again. Carrington Mortgage seems as if they are mimicking the same actions negative actions they are in class action lawsuit of charging customers {$5.00} of servicing fees in online & phone payments. Carrington Mortgage representatives do not all have access to view attached documents but are allowed to provide information that is misleading since they all can't view attached documents.
Consumer complaint received 2018-07-30
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. Collections West, Inc. (AZ)

On XX/XX/2018 united west collections contacted me and was very angry that I made a complaint w cfpb.

I was yelled out I was told incorrect things I continued to tell the male rep that I never received information about this debt. That by law I should have been given a letter detailing this debt before it was put on my credit report.

He insisted some computer generated 3rd party agency sent the original letter BUT he had no date or postal verification Stop this company from harassing me, stop them from not following the law, and remove his erroneous collection from my credit report
Consumer complaint received 2022-08-17
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

TransUnion has a bunch of incorrect address, names and phone numbers that I have never been associated with, this I consider to be slanderous or offensive. the AKA names are both incorrect and either mesh my name with my siblings name or just outright misspell it. On top of all of this I have never signed an XXXX XXXX form with this XXXX XXXX XXXXXXXX XXXX, this form is to prevent or limit the misuse of anyone 's social security numbers.
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (VA)

I have attempted on four separate occasions to correct this problem via the credit bureaus. It appears that Freedom Mortgage is not will to correct the issue. Per their own correspondence to me, they stated they would report the account as " Settled in Full for less than Owed. '' They are however reporting this as a foreclosure and it cost me finances on XX/XX/2018.
Consumer complaint received 2018-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX XXXX  Total amount owed {$4300.00} XXXX XXXX XXXX   Total amount owed {$1500.00} XXXX XXXX Charge off account XXXX XXXX XXXX  Charge off account. ( {$470.00} ) XXXX XXXX XXXX   Credit Card Charged off Account. ( {$4800.00} ) I was XXXX  XX/XX/2015 and served 5 years with half time for my XXXX  XXXX. The police have my property ( wallet & Jewelry to my room mate without my consent at the time of my XXXX. My room mate then used my cards and maxed them out, emptied the {$3700.00} in my bank account and used my leased vehicle without my consent or knowledge. There is no way for an inmate to cancel their cards, make payments or even contact the merchants. I knew he was doing these things and nothing I could do. I was only just released from XXXX and the room mate " XXXX XXXX XXXX '' is deceased and so I can't even file a police report against him. All my mail was returned to sender, these credit card companies dint give me the statements to my cards si that I I can dispute what is and isn't my charges. I've started to pay off these debts knowing that part of charges are mine but I know I only had about 3,000 in debts. The XXXX XXXX I never signed up for and has told them from day one that it is fraud and I suspected XXXX without proof until after his death in which his mom found past due notices in his desk at his moms home with my name on it. 

What do I do? I'm willing to pay for part these charges but not the amounts they want especially since most charges are fraudulent. Please help, I'm trying to put my life back together.
Consumer complaint received 2022-09-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I am a federally protected consumer and I am concerned that Columbia Debt Recovery LLC dba Genesis may be violating my federally protected rights by using profane language and coercing I, by saying if I do not pay I will receive negative credit reporting. This is my official notice of dispute. I do not owe this alleged debt. Pursuant to 15 USC 1692g I demand that Genesis provide me with documentary evidence that shows I owe this alleged debt, as well as verifiable proof. I do not consent to any credit reporting on behalf. I do not agree to Contract with Genesis or its affiliates.
Consumer complaint received 2018-11-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC (IL)

Asked via phone calls and email correspondence, to have payment dates moved around, also expressed that payments for the next few weeks would come out on later days due to my current finances. 

The customer service rep XXXX XXXX, has been calling harrassed me, and threatened to send my car in to collections for being as little as a day behind. I requested several times to have someone else take care of my accounts, but she still harasses me. 

I called the number she specified for me to call, and someone else took care of my payment, and she refunded it, because she said she was the only one who could authorize payments on my account. She then threatened to send my account to collections. I assume they must make some kind commission of off payments, so she hounds me to secure her commission. 

I didnt have any problems with my account until she interjected herself. She disables my online account so I cant make payments. And refunded my money, because it takes 7 days to hit my account and now they are going to apply late fees, and report me negatively and reduce my credit score.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

To whom it may concern, I wish to address the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment by those in control is my right, and I request detailed information on their failure to uphold accuracy and compliance. Negative information, regardless of certification, is intolerable. I prioritize factual and truthful details concerning your company and the data related to my credit profile. The discrepancy in the credit report I received is surprising, as adherence to FCRA and relevant Metro 2 data field formatting standards is expected.

I challenge you to provide a verified, complete, and true document containing evidence for each claim. Failure to adhere to these standards, as outlined in the 2020 XXXX, jeopardizes data integrity, a critical matter. I urge you to remove any false accounts promptly to prevent future financial implications. My credit report is of utmost importance, and I insist on factual accuracy, verification, and compliance with regulations. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (IL)

I was involved in a XXXX XXXX XXXX case, which is where the debt came from. Although verified and the agency has not contacted me since, this debt remains on my credit reports. And this has been reported as XXXX XXXX XXXX, but on my personal credit.
Consumer complaint received 2018-07-30
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: Experian Information Solutions Inc. (TX)

I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thank you