davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To whom it may concern there was identity theft on my account with transunion. I have all these hard pulls. I never went to any of these places and applied for there products. XXXX/XXXX  Inquiry from XXXX XXXX XXXX XXXX, Bank XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  XXXX Inquiry from XXXX XXXX, XXXX, Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX, Bank XXXX  Inquiry from XX/XX/XXXX, XXXX  XXXX  Inquiry from XX/XX/XXXX, XXXX  XXXX  Inquiry from XX/XX/XXXX, XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX, Bank XXXX/XXXX  Inquiry from XX/XX/XXXX, Bank XXXX Inquiry from XX/XX/XXXX, XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX  XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2020-06-02
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. (GA)

Over the past year more Experian credit score has varied from month to month without any changes in my credit activity. Recently it has been trending down, while the other two Agencies remain much higher and don't vary. There have been no changes in my credit activity, no inquieries, payments remain on time, and basically no explanation for the variations in score at Experian. Some months it's up and then for no reason goes down, and then goes upon again. I've not been happy with my Experian score and have worked hard to improve it. I have one missed payment in 2015 from XXXX 's due to a bill my wife misplaced for a payment of less than {$10.00}. It was paid the following month in full. I understand the mechanics of this and realize it can't be changed ; I'm not asking for this. I simply want to know why, out of the three Bureaus, Experian 's scoring system is so far off the other two Bureaus and why it varies when there has been NO change in my activity.
Consumer complaint received 2020-06-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( XXXX plus ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) The date of last activity on this account was on XX/XX/XXXX. It would be impossible to be late on an account where no payments have been made since XXXX. Also, there is a new reporting date of XX/XX/XXXX. It is a violation of the Fair Credit Reporting Act to re-age an account and change the account number to report as current. The FCRA is mandated to report accurate account information on a credit report. This false reporting of a chargeoff account with lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2017-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

I was not made aware of a balance due of {$99.00} on my Kohl  's  card until I received notice by my credit tracking service ( XXXX  ) in XX/XX/XXXX. The amount showed as {$190.00}, which was not familiar to me. This reporting by Kohl 's caused a large drop in my credit score. I have always paid my bills on time for all accounts, and this reporting dropped my score from 800+ down by 60 points or more. I called Kohl 's on XX/XX/XXXX and let them know that this amount did not look familiar and that I didn't recall receiving any notices of this amount, and that I have always been an exceptional payer. After several requests, the representative was finally able to tell me that it was for a {$99.00} purchase in XXXX, and that multiple late charges had been added to get to the {$190.00} total. I reiterated that I had not received any notices on all of this activity. I asked if I was to be getting notices via e-mail or through regular mail. There was some confusion as to how, and I am still not clear if I am to get things via e-mail or regular mail. In addition, I discussed the inundation of advertising and marketing materials from Kohl 's that are confusing. 

I was told by the representative that if I made the payment that day, they would reverse all of the late charges. I further asked if the late/derogatory reporting to the credit bureaus would be pulled back, and the representative said it would be taken care of. I made the payment in good faith that day via a draft on my bank account. To date, this has not occured. I have reached out to Kohl 's on this, as well as filing disputes with all 3 credit reporting agencies, which are still in process. I received a letter yesterday from Kohl 's where they said that " they have determined that the information previously furnished to the credit reporting agencies is accurate '', without further comment on the specific circumstances I shared. This is not consistent with the reversal of the late charges they made and the affirmation by the representative that the late/derogatory reporting would be corrected. This would be appropriate in this situation given lack of notifications received on a balance due and additional charges added, confusion around how I was/am to receive information, glut of materials sent out via e-mail and regular mail and my exceptional payment history.
Consumer complaint received 2017-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX/XXXX/XXXX at XXXX I called Bank of America and asked the customer representative about the transfer mobile feature. I specifically inquire about canceling a mobile transfer if I wanted to do that do to that and getting my money back from the transfer of funds. She told me I can cancel the transaction and obtain my money if done within 14 days. She also assisted me in helping me complete the mobile transfer. She was very nice. 

The reason why I called the bank was because I was making a transfer for an online transaction that I know it can be scam. Because of the answer I received from the bank 's customer service representative when I called, I decided to proceed with the transaction. I felt comfortable that I would be able to cancel the transaction at anytime within 14 days if it was fraud. 

I called back the bank at XXXX ( shorly after XXXX ) to cancel the transaction and obtain my funds as I was under the impression that this was officially a scam. Now I am told that I can not get my funds and that they are gone. 

Please go back and retrieve the recording. Again, I called the bank and the bank told me something and now it is telling something else. I think the bank should conduct an investigation, listen to the recordings and find out how I was given wrong information that consequently, resulted in me making the transfer. 

Thanks, XXXX XXXX
Consumer complaint received 2020-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

I have had XXXX XXXX as my home owner insurance for 14 years. XX/XX/2020, I was looking to switch companies to XXXX. They were not supposed to take any action until I completed the walk-through. My policy with XXXX XXXX was until XX/XX/2020. I decided not to follow through with XXXX and cancelled on XX/XX/2020. XXXX sent a bill to Fay Servicing in the amount of {$2400.00} without my permission. Fay Servicing applied XXXX as my hazard insurance company without verifying with me. Fay Servicing sent payment to XXXX on XX/XX/2020. XXXX sent me the refund check and I deposited. On XX/XX/2020, I received notice from XXXX XXXX that my homeowner 's insurance policy was not paid. On that same day, I contacted Fay Servicing to inform them they were not supposed to pay XXXX and now my policy with XXXX XXXX is overdue. The Customer Service Rep instructed me to send the declaration page from XXXX XXXX and Fay Servicing will submit payment with XXXX XXXX. On XX/XX/2020, I sent the requested information to XXXX. I called Fay Servicing on XX/XX/2020 because I noticed the change had not taken effect. I called Fay Servicing again on XX/XX/2020 and explained the situation. This time XXXX ' asked me to send her the same documents and she would send them directly to Escrow. I also made a payment of {$2400.00} applied to my escrow account. I called Fay Servicing on XX/XX/2020 because the change still had not taken effect. The representative assured me the process would be completed by Friday, XX/XX/2020. I have checked my account daily and the change has not taken effect, nor has XXXX XXXX been sent the money for my homeowner 's insurance. I called again to Fay Servicing on XX/XX/2020, to inquire about my insurance payment. Once again, the representative, said they would check into it for me. I have never received any call back or correspondence from Fay Servicing about this matter. When I log into my account, it still has XXXX listed as my homeowner. I have received another overdue notice from XXXX XXXX on XX/XX/2020. I am still being charged for homeowner 's insurance as part of my mortgage payment. The only number to call is XXXX. I can not get access to speak with anyone from management to get the issue resolved. When I click on the Message Center > Contact Us link on the website ( fayservicing.com ), I receive the following message : System Error We're sorry, but an unexpected system error has occurred. We are unable to process your request. 
On XX/XX/2020, the {$2400.00} escrow money was applied back to Fay Servicing.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (IL)

I applied for Citi Credit card, which was auto rejected. Application ID XXXX. I tried to get reconsideration but representatives kept putting onus on Credit reporting agency XXXX stating I had too many credit inquiries reported in short period. I opened XXXX account to see what it was given I have an 800+ Credit score. According to XXXX I have three total inquiries in past 2 years. One on XX/XX/XXXX and Two on XX/XX/XXXX since I applied for an XXXX XXXX card on same day. I still have NOT received an official letter in mail indicating the exact reason for rejection on paper even though it's been > 30 days. I learned when I had called the customer service right after.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-06-02
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (NJ)

I have an open amount of {$610.00} with a company. 
After making a {$500.00} payment. 

They have called my workplace & my cell phone numerous times even after I asked them not too. 

After making the {$500.00} payment, they continued to call and harass me multiple times, leaving voicemails with very detailed information. 

After getting spoken to by 4 different representatives like complete XXXX.. I decided that I was going to finish making payments online through their website so I don't need to endure any more verbal abuse by these workers.. 

I called and asked for my account number because I am unable to make payments online without it, after XXXX gave me his opinion of me, he decided to ramble off my account number, but I didn't catch it. So he hung up on me. I called back, once again, just asking for my account number so I could make payments online, I was answered by an older woman, who then transferred me to a managers voicemail.. I left a polite voicemail for the account number.. never got a return phone call. 

There is ONE decent employee there that finally gave my boyfriend the account number.. everyone else should be investigated for their behavior towards people. People who are trying to take care of this at that.. 

I just would like to express how deeply mortified I am about this company. 
I have never seen/heard of such verbal abuse like this towards someone TRYING TO MAKE A PAYMENT. 

I know I am not the first, nor the last, considering there is over 2,000 complaints against them and a terrible rating on the XXXX. 

Thank you,
Consumer complaint received 2017-08-07
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. (TX)

GREETINGS, I MADE ATTTEMPTS AT REACHING OUT TO ALL THREE CREDIT BUREAUS IN REGARDS TO INACCURATE INFORMATION THAT I DISCOVERED ON MY CREDIT REPORT. TRANSUNION REPLIED THAT ALL INFORMATION HAS BEEN VERIFIED AS ACCURATE, I AM UNSURE OF WHAT MEANS THEY HAVE USED TO PRODUCE THEIR VERIFICATION, HOWEVER, I SATISFIED BOTH OF MY CONTRACTUAL AGREEMENTS WITH XXXX XXXX XXXX XXXX AND XXXX AND NOW THEY ARE BOTH APPEARING ON MY CREDIT REPORT. PLEASE HELP ME RESOLVE THIS ISSUE. I FEEL LIKE THESE BUREAUS ARE HOLDING ME HOSTAGE.
Consumer complaint received 2017-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NC)

I paid 6 companies to get me an affordable loan mod with ocwen. I finally fired them all and applied myself.the amlut ocwen came back with was XXXX more a month than I have and was more than any other refused offer. I ca'n't pay but XXXX with my bills and I showed that ad now I had to finance ad ac unit and XXXX Ocwen had a forclosrue hearig till I reapplied with all paperwork but they offered me XXXX more than they know I can pay and more than the house is worth. they know I am XXXX and co n't want to move. They lost the note to my house and made up documets that were untrue. they are being prejudicial to me.
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 status incorrect
Company: Bread Financial Holdings, Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

I have 3 credit card accounts with Comenity Bank XXXX XXXX XXXX, XXXX, XXXX XXXX. Due to the Covid-19 Pandemic I was furloughed from my job and my income dropped 75 %. Because of this I was late 30 days on each of the accounts above for XXXX and XX/XX/2020. I contacted Comenity Bank and made payment arrangements and have been in good standing at that time. At the time of the payment arrangements I was told that the lates from XXXX and XXXX would not be reported on my credit reports. I recently tried to refinance my home and those three accounts do report as 30 days late for XXXX and XXXX which is I was told my Comenity Bank that those would not be reported.
Consumer complaint received 2021-03-13
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: SUNRISE CREDIT SERVICES, INC (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-10-21
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: EQUIFAX, INC. (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), yo

u may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Please remove all inquirie
s from credit report which are not belong to me.
Consumer complaint received 2021-09-15
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. (FL)

Ive been a victim of identity theft. Please help me understand how Equifax is investigating this matter. Other credit bureaus have deleted items. Equifax says they verified, how can they verify this. My credit report hasnt been updated in about 60 days. Per Fcra they have 4 or 5 days to block information from my report, I believe I read. Again Equifax is the only bureau how hasnt deleted fraudulent items. I believe I will have to file a complaint with FTC and hire legal counsel, because this is a violation. Please see attached FTC Report and proof of identity. The following accounts are XXXX XXXX {$500.00} XXXX. XXXX XXXX ( XXXX XXXX XXXX ) {$590.00} 3 XXXX  XXXX  XXXX {$610.00} Ive never done business with these companies or entered into a signed contract. Please Delete
Consumer complaint received 2020-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Please remove all inquiries from credit report which are not belong to me.
Consumer complaint received 2021-09-15
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)

Someone has access to my personal information. There are inquiries on my personal credit report that I did not authorize. I want these inquiries removed immediately. XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Thank You.
Consumer complaint received 2020-09-03
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 — Was not notified of investigation status or results
Company: Collections Acquisition Company, Inc. (MD)

Alleged debt paid to XXXX XXXX XXXX with postal money order and mailed by XXXX with proof of payment and mailing on XX/XX/XXXX. This debt is reported by CYBRCOLLECT # XXXX ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX OHIO XXXX AS OWING SINCE XX/XX/XXXX. The claim for returned check is false since there was no returned check and XXXX XXXX XXXX attempted to withdraw funds from my checking account when I had cancelled my membership with them within 3 days of joining the club. 
I have tried numerous times to call CYBRCOLLECT using the number that XXXX XXXX XXXX provided with no success. I called and complained to XXXX with no success. I finally wrote to CYBRCOLLECT on XX/XX/XXXX with proof of payment since XXXX and they have not responded to me by phone or by mail. XXXX continues to report this false information as ADVERSE ACCOUNTS ON MY CREDIT REPORT.
Consumer complaint received 2020-06-02
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2021-04-26
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: EQUIFAX, INC. (VA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.