davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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. (MI)

This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2021-07-17
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. (GA)

I am extremely frustrated at this point! I have tried to be as professional as possible and its seems that the nice people ALWAYS get over looked and the end of the XXXX stick! These false reporting accounts on my credit report has been an extreme distress to me and my family and has been hindering me from taking care of my family and getting approved for housing and sooo much more you cant even imagine!! 

These accounts need to be removed from my account IMMEDIATELY!!
Consumer complaint received 2019-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (AZ)

My complaint is we had four years with XXXX XXXX XXXX for mortgage and auto with no problems or complaint. I received a renewal notice indicating the double of what we were paying before, so we talked to a representative and indicated to cancel the policy. In a few days we bought another policy with a different company. Within 15 days we received a letter from XXXX XXXX XXXX saying we owed them money and send me to collections when I had paid in full and cancelled my policy
Consumer complaint received 2020-09-18
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. (PA)

This complaint is in reference to a problem with Transunion Credit Bureau 's investigation into an existing problem. To explain, upon request for free copies of all three credit reports via XXXX  XXXX XXXX, I discovered an account with an adverse history previously reported by XXXX XXXX  did appear on more than one of the reports. Thus, XX/XX/XXXX via certified mail, I notified Transunion, XXXX, and XXXX  Consumer Reporting Agencies regarding an item reported by creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Because the first delinquency reported by XXXX occurred seven years ( 7 ) years prior, more specifically, XX/XX/XXXX, I did provide a copy of a previous Transunion Credit report dated XX/XX/XXXX, and a previous XXXX  report dated XX/XX/XXXX which verifies my claim that the first delinquency reported by XXXX was in fact XX/XX/XXXX as noted on both credit reports. Therefore, I requested that the account be deleted per the statute of limitations. On the positive side, an investigation was conducted by Transunion, XXXX, and XXXX  and the results were mailed to me. Notably, XXXX  and XXXX  Credit Bureaus deleted the item ; however, on the negative side, Transunion did not remove the item. Moreover, Transunion verified the item as accurate. In addition, the report shows that the account will remain on my Transunion file until XX/XX/XXXX.
Consumer complaint received 2022-09-15
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$5400.00}
Consumer complaint received 2023-01-26
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. (SC)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove/delete the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX .
Consumer complaint received 2021-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (NY)

I called discover about my direct deposit that was scheduled and post dated for XX/XX/XXXX released XX/XX/XXXX and the deposit was set for XX/XX/XXXX in the amount of XXXX and XXXX. I called Wednesday and they said my deposits in those amounts are pending to be posted the next day Thursday I called all of sudden my account was frozen with out my knowledge and never got a call from Discover said they rejected payments and it was sent back to nys dept of labor and they said they did not receive anything no rejection nothing. The bank cxl my direct deposit and now they dont know where my deposit its been over a week with no answers on my accounts that were set up via auto pay got hit with fees all of this drama.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

We are consulting an attorney about the problem and this is a general complaint that we suggest something be done to stop " shopping ' for the best kick-back from Finance Charges. 
When a customer signs a Credit Application, it gives the Dealer free rein to make numerous Hard Inquiries about the Customer 's Credit. This will drop the individual 's ( Customer ) Credit Rating Points by 15 to 20 points for EACH call. It is like blaming the victim for the crime.

Why does the Car Dealer do this? They are " shopping '' the deal to see which Lender will give the most kick-back on Finance Charges. About 5 years ago, my personal Credit Score was in the Excellent category at over 795 poin
ts. A Dealer without authorization ( signed Credit Application ) made 5 calls, shopping my purchase ability. This was despite the fact that I told the Dealer I had my own finance. These 5 calls dropped my score to just over 700. It tooks YEARS to get the score back up to XXXX and now another Dealer decided, without authorization to " shop '' my credit has dropped the score to XXXX the Fair category.

Something must be done to stop ruining Credit Ratings as the Dealer shops for an increase in kick-back.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have on multiple time disputed a credit inquiry on my Trans Union Credit Report ... they have not removed the credit inquiry from my credit report. ( See attached letter ) Credit Inquiry/Date XXXX XXXX XXXX XX/XX/XXXX XXXX  Visa XX/XX/XXXX Letter was submitted on XX/XX/XXXX and previously as well. 

CFPR complaint submitted on XX/XX/XXXX ... # XXXX I tried to call Trans Union in early XXXX and was unable to get thru ... 

I called again on XX/XX/XXXX ... spoke to XXXX..he said he would transfer me to A Specialized Fraud Team that was handling my dispute. waited on hold for 10 minutes and then the call was disconnected. 

I called about and spoke with XXXX @ XXXX ... told him my situation and how I was disconnected ... He again transferred me to the Specialized Fraud Team. I was able to speak with XXXX and he told me info on the XXXX accounts to be disputed and remove them from my credit report.
Consumer complaint received 2019-05-30
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)

sent the ftc and police report of the violation Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2016 {$1000.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-04-05
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: Credit Technology, Inc. (FL)

I didn't authorize this company to run my credit nor did i apply for this company. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-09-14
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: EQUIFAX, INC. (GA)

I have tried reaching out to Equifax by mail on XX/XX/2021. I did not receive any response back from Equifax, so got an affidavit of truth written up. Then I mailed it in to them on XX/XX/2021, after having it notarized and signed. It is now XXXX, XXXX, 2021 about 2 months later and I still have not heard anything back from Equifax. When doing some research about the laws I have, I found CFPB. So I am requesting that CFPB please reach out to Equifax and have them fined for not upholding the law O.C.G.A. 15 usc 1681a ( d ) ( 2 ) ( B ).
Consumer complaint received 2022-04-05
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I applied for a credit card that XXXX app suggested on XXXX, because it said it wouldnt hurt my credit scorewell it did, it hurt all three bureaus, took 4 points from XXXX score aloneif I would have know it would hurt my score I would not have applied, because Im trying to work on my credit as we speakplease help with this, as it if effecting my score between good and fair reportingIm working hard to get my credit in good standing and now I dont trust suggestions from your appthank you
Consumer complaint received 2022-04-05
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: Conn's, Inc. (TN)

Conn Credit Corp is incorrectly reporting two a accounts on my credit file. Conn Credit Corp has repeatedly denied my request for deletion. Both Conn Credit Corp accounts have met or have exceeded the 7 year deletion date of first delinquency. Conn Credit Corp has manipulated and/or erased non-payment history in order to prolong the life of collection on these accounts on XXXX and XXXX.
Consumer complaint received 2021-03-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

PHH mortgage service is trying to shorten my forbearance terms by overlapping three month periods. I made XXXX payment in XXXX and then at the end of XXXX I called to get a three month forbearance starting in XXXX. Yet they are counting my forbearance as starting in XXXX because thats when I happened to place the phone call. Even though I already gave them marches payment. And I didnt apply for the forbearance until after I made that payment. 

This is all pandemic related and Im at the end of my fourth three month forbearance period. 

So before my next extension I should owe my next payment starting XX/XX/XXXX. But they show me as two months late as if I owed for XXXX and XXXX. 

When I talked to them on the phone they mentioned apparently sometime at the end of my second three month extension in XXXX I had called at the end of the month to extend starting the following month, and they did the same thing. Overlapping it again. 

Their fuzzy math allows them to provide the obligatory 18 month period in less than 18 months. In fact if I had called at the end of the last month in each three month period, to set up another extension, I could wind up being as much as four months short based on their math. 

XXXX XXXX says I can get up to 18 months, and with PHhs creative mathematics they can potentially squeeze that 18 months into a 12 month period. 

When this pandemic is over and the country starts re-opening, Im still going be one of the last people to resume work based on the kind of work that I do. So Im going to probably need the entire 18 months
Consumer complaint received 2020-09-18
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. (MI)

I pulled my credit to find that XXXX XXXX XXXX has a Debt on my credit report that is erroneous. It states I have a balance of {$3500.00} as of XX/XX/2020. However Prior to my moving out the address in question my account balance was less than ( {$100.00} ) see attached. This is nothing more than predatory debt collector attempting to take advantage of people during the COVID-19 pandemic crisis.
Consumer complaint received 2021-08-06
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. (MS)

3 separate hard inquiries were made on my credit report that I did not authorize.

2 on my XXXX  made XX/XX/2021 1 on my TransUnion made XX/XX/2021 -XXXX XXXX XXXX/XXXX XXXX -XXXX XXXX XXXX -XXXX/XXXX
Consumer complaint received 2017-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (PA)

I went to an emergency on XXXX/XXXX/2016 to XXXX hospital ( XXXX PA ) XXXX XXXX, XXXX XXXX, Ca n't XXXX After a month I started to receiving the bills I have paid all the bills and the situation was over.
A month ago a collection agency is calling me for a medical debt ( I though it was a scam ) I call the hospital, many many many times, and noone has an explanation for me about that debt. They said you dont owe anything.
I did a research and collection agency is true, its real, there is no scam I went to the XXXX hospital today in person, after insist with diferent departments and diferent people ( back to back calls ) They told me that for the emergency attendance I should recieve 3 diferent bills, from 3 diferent companies. 1 ) XXXX 2 ) XXXX- XXXX XXXX 3 ) XXXX the doctors I only recieved 1 and 2 bills. Bill 3 ( the doctors ) I never recieved a bill from them, a call from them e- mail from them, nothing at all.
I call them And they said, yes you owed money but, because we could n't reach you, we send you to collections, fresh and simple as that.
Someone made a mistake when the put my information, someone did something wrong. I still do not understand how 1 XXXX and 2 XXXX send me the bill without any problem and XXXX XXXX XXXX did n't found me, its a mystery.
I am totally ignorant on the medical field and how they proces a bill through diferent companies. And because of that I am in a collection agency.
To finish this complaint I want to mention that, the day that I XXXX XXXX XXXX, after hours at the hospital the doctor told me, you do n't have anything just put some Ice on it. But thats another story ...
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. Auto Credit Corporation (MD)

U.S auto credit continues to report late payment on a charge off account which is violating my federal rights. Ive disputed item to request debt validation and never received any. I request U.S auto credit to prove I owe the debt in 30days or have it deleted as it is messing up my credit so bad. Attached a copy of credit report and how they really messing up credit. XXXX is doing nothing but keep reporting accuracy on the account. This is fraud to report closed account!!!
Consumer complaint received 2021-08-10
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: JPMORGAN CHASE & CO. (GA)

On XXXX XXXXXXXX XXXX I received an alert that XXXX XXXX XXXXXXXX placed a credit inquiry on my XXXX  credit report. I contacted XXXX XXXX the same day I got the alert. The agent I spoke with me had no record of my credit application I contacted XXXX via phone and sent a letter challenging there findings. I received a letter back in the time allotted for the major credit bureau to responding, in which, they verified the information as correct. I sent another letter explaining that FCRA allows a consumer to have full disclosure on the information obtained from the creditor, this wasn't provided and the inquire still remains on my credit profile. 

On XX/XX/2021 I received an alert that JPMCB - CARD SERVICE placed a credit inquiry on my XXXX  credit report. I contacted JPMCB - CARD SERVICE the same day I got the alert. No resolution has been made to remove this inquire.
Consumer complaint received 2017-08-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CarMax, Inc. (NM)

I opened an account with CarMax Financing in  XX/XX/XXXX  to purchase a   XXXX   XXXX   XXXX  . Throughout the course of the contract, I ensured that the payments were made on time in at least the agreed amount. In mid- XXXX , my cosigner declared bankruptcy and I notified CarMax that I intended to continue with payment until the vehicle was paid in full, per the agreement. However, CarMax stopped reported payments to the credit bureaus which caused irreparable damage to my credit score. I attempted to reconcile the situation by removing the cosigner from the account, but CarMax would not cooperate. I even enlisted the assistance of an attorney that was unable to remedy the situation, forcing me to refinance the vehicle.
They have conducted themselves in violating of the original contract, claiming that I declared bankruptcy and taking inappropriate action against me and the account. They exhibited predatory business practices and refused to work with me to correct the situation.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MD)

I am unable to obtain my Experian credit report. The company will not provide it to me. I have tried unsuccessfully several times to contact Experian by phone and to login to their online system from XX/XX/XXXX XXXX, 2022. It is impossible to connect to a human being by phone, and Experian is not providing me with any support. 
Their website keeps giving me the following error when I attempt to login : We have encountered an irrecoverable system error. Please note that your order has been canceled. Sorry about the inconvenience. Call us toll-free at XXXX. However, when I call the provided number, the automated call center refers me back to the broken website, or hangs up on me.
Consumer complaint received 2021-08-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (IN)

Starting about XXXX of last year ( maybe earlier ) I started disputing National  Credit Systems for said amount of XXXX. I did not validate this debt, nor has verification, or evidence of prior contact or proof which links me to the owed amount, has been provided to me. No evidence was sent back to me in regards to this account. This company never informed me that a debt was owed back in 2015, whether by phone or mailing, which erases the debt all together from my profile. Not to mention, this company has blatantly caused harm to myself and my financial situation. On XXXX occasions, this company has removed the account from my profile, only to have placed it back on, moments later. I have questioned not only their acts and clear violations of 15 U.S.C, but also their inaccurate reporting of their name on my profile, along with other inconsistencies. All in all, this company violated a few laws and never contacted me to validate that not only a debt was owed, but also prove that the debt was mine. No evidence has been provided from this company. Please delete, immediately!