davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-30
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. (IN)

I have a car loan with XXXX XXXX i just made a payment of XXXX XX/XX/2020 when transunion updated today XX/XX/XXXX it shows an increased balance of {$350.00} bringing the loan balance up to XXXX dropping my credit score 12 points. I contacted XXXX XXXX  they agree that the correct balance should be XXXX and they never reported an increase. I have proof of all this. A payoff statement with the correct price and a saved conversation with XXXX XXXX. This is not the first time transunion has reported false information and blamed the creditor. Im getting sick of this and i am ready to take legal action against them if they have no plans to fix my score and correct the information they reported. This time i have the proof that transunion is XXXX  people by reporting false information. If this can not be resolved i will take legal action.
Consumer complaint received 2018-02-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Worldwide Processing Group, LLC (CA)

I received a phone call yesterday. It said ...

" Hello, this is XXXX. This message is regarding our location and tracing for " XXXX XXXX XXXX XXXX  '' dial zero now to speak with a representative or call XXXX. It is important that we speak with you in regards to the whereabouts. If we can not verify this information through you, the law allows us to contact all references on file.

If you are unable to provide any information please contact us regardless at XXXX. Thank you ''. I called and was told that they were collecting a bill. They said they were from FMR or Forward Movement Recovery. They called my new husband 's cell phone twice yesterday and left the exact same message there as well. He was NEVER listed as any type of reference for me.
Consumer complaint received 2021-09-12
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. (PA)

XXXX is in Violation of 15 USC 1681b XXXX is in Violation of 15 USC 1681b TransUnion is in Violation of 15 USC 1681b
Consumer complaint received 2021-07-14
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. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2020-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to deleted from my credit report.
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MA)

NewRez mortgage offered me only one type of forbearance. They offered to put my loan in forbearance for three months but after the 90 days I would have to mail them a payment for all three months.

Im not sure what kind of forbearance or help this offers. If I do not have the money for three months how will I be able to pay three mortgage payments all due in 90 days.

So if my mortgage is {$1500.00} a month at the end of 90 days they want me to mail in a check for {$4500.00}. 
This is crazy Not sure why they are only offering this.
Consumer complaint received 2020-08-20
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. (SC)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I have contacted the FTC and my local police and I am doing this on my own behalf. 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, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Consumer complaint received 2020-07-16
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. (GA)

I am a victim of identity theft and I have been trying to resolve the effects of this on my credit file. I currently have 2 accounts that are reporting on Experian that they claim have been verified as accurate despite the numerous documents I have supplied to show otherwise. I have even contact the data furnishers and they have stated they have never had this account disputed as fraudulent. I have since sent a request for validation and verification that the accounts are indeed mine to include the methods of verification/validation and any people contacted. I contacted Experian to confirm they received my documents and spoke with " XXXX in the fraud department '' as that is the only information he gave me. He stated that he did not see my dispute even though I have proof my fax was sent successfully. I have since uploaded the request for validation/verification and am also reaching out to the XXXX, CEO and Attorney General until this is rectified. Both of these items were deemed fraudulent previously and deleted from my credit file but then added back onto my credit file without notice.The fraudulent accounts are XXXX and XXXX XXXX.
Consumer complaint received 2020-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

XX/XX/2020 {$450.00} I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting.
Consumer complaint received 2020-06-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2017-07-23
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: Experian Information Solutions Inc. (UT)

I looked at my report a few days ago and found that XXXX XXXX formally XXXX XXXX is back on my report. XXXX was previously disputed and deleted off the report so I should not be back on the report. I called a gentleman on XX/XX/XXXX who stated they can not remove it. I need this removed as it is illegally on my credit report.
Consumer complaint received 2020-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical Data Systems, Inc. (VA)

On XXXX of 2019 I was kidnapped out of my home in XXXX Virginia. A former landlord, who was told by three police officers and a judge that she can not evict someone from the home and who had violated landlord tenant law. Went to the magistrate, and swore out false allegations to get an emergency XXXX XXXX  order. I was dragged out of my house in XXXX and taken to XXXX XXXX XXXX XXXX, who immediatly released me, didn't look at me, provided no services, at that point I was escorted by the police to the XXXX XXXX who determined that the landlord, swore in a false complaint to complete an illegal conviction. I was not notified that they attempt to bill me for not being seen until it appeared on my credit report. I attempted to contact XXXX XXXX XXXX who threatened me. Told me " that they were a loud person '' and could get louder. They verbally abused me, and then hung up on me. They are trying to bill me for an illegal kidnapping, and medical care that I did not seek out or need. They are stalking me for a bill I don't owe during a global pandemic.
Consumer complaint received 2018-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

incorrect about my escrow going up my home owner insurance is XXXX a year and my county taxes with school taxes included are XXXX ... this company has over charged my escrow for yrs and then they ( Owen loan servicing ) sent me recently a check of XXXX in which they say that they owed me since 2 years back that money. the reason they sent that check is when I told them that I was tired of what they were doing to me and that I was going to report them with consumer finance protection bureau that's when I received that check. We purchased our home XX/XX/XXXX with XXXX XXXX XXXX in which that company went under XX/XX/XXXX and then Owen loan servicing came in to be the mortgagor. I have been paying my home since XX/XX/XXXXit is all recorded in XXXX county and in XX/XX/XXXX Owen loan servicing started collecting payment of the same loan
Consumer complaint received 2022-09-12
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)

This is my countless 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 items 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

While checking my personal credit report, which I acquired fromExperian, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/2018 I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Consumer complaint received 2024-01-31
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: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$7400.00} XXXX XXXXXXXX Balance XXXX : {$13000.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-24
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: EQUIFAX, INC. (NJ)

On XXXX202I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TN)

I requested mortgage load application from Cardinal Financial on XX/XX/2020. They called me and one Loan officer XXXX XXXX ( XXXX XXXX ) spoke to me. Promised me low rate of 2.375 % for a 15 year mortgage and said could get away with the points after running credit and talking to his manager. 
He gave me the numbers on the phone and promised to give me the loan estimates after the credit pull is done. To my surprise he already has my SSN to run credit. 
After he ran the credit ; he said the numbers have change little bit. Again gave me the numbers on phone, but I asked if the loan estimates could be mailed/emailed to me. He said, " All the numbers I gave you, you can write it. Why you need load estimates? ". After I insisted on loan estimate, he said it will be mailed within 3 business days and hung-up on me. 
I called several times and left voice mail to him to provide me the estimates. I did not got call back. 

Finally, On XX/XX/XXXX, I reached out to the company customer care and enquired about my application. They again forwarded me to no-response voice-mail of XXXX. I finally called customer care and asked for XXXX XXXX  full name and NMLS ID. 

Then I emailed XXXX and again asked for the loan estimates. And I got following response on email. 
" We had gone over all the fees and cost and you rejected the option I provided. I'm not sure how I can help you? Did you not end up going with XXXX? ''
Consumer complaint received 2020-04-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC (OH)

The company called me 5 times in 1 day. I called them back and they refused to tell me what the company was. He kept calling me names and telling me he wasnt playing games. This is ridiculous. Youre a child.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (CO)

I have contacted Zales/Comenity Bank several times on their unfair credit practices. As explained before I did not sign a contract which stated I would have 18 months interest free deferred. I was told by my the sales person I had free interest for 18 months, otherwise I would not have purchased a XXXX ring from this company. My ending balance with the company when the 18 months were over was XXXX when the " promotion '' ( XXXX didnt agree on ) was over by new balance was nearly XXXX once again. I have attempted to fix this with the company for over a year. They attempted to fix it last month but refused to correct the balance. I have attempted to fix this issue with the bank for over a year now. I would like for them to do the right thing and correct it to the original balance of XXXX, I will gladly make payments and pay interest on the corrected balance. I would also like to see the contract " I signed. '' I never signed this promotion nor did I receive a copy. If not then I will have to seek professional advice. I made payments while they were fixing the issue in good faith, only to be given the uncorrected balance once again. I have stopped making payments once again due to the unfair credit practices the company is practicing I do not agree with the balance they are reporting nor did I sign this contract. I made payments on time every month always above the minimum balance. I have been an excellent consumer to the company, until the issue came about and they refused to clarify or fix the issue.
Consumer complaint received 2021-01-24
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. (NY)

On XX/XX/XXXX ( Attach XXXX ) I reported to Experian that they were possibly violating 15 USC 1681, in that they were not timely recording my credit payments ( delaying the recording of some of my credit payments for 6 or more weeks ). For example, on XX/XX/XXXX I told Experian that they did not update my XX/XX/XXXX XXXX line of credit payment, which I paid in full on XX/XX/XXXX XXXX Attach 4, see entry for XXXX, {$300.00}, XX/XX/XXXX XXXX. 

I also reported that I believed they were untimely recording my credit card indebtedness ( disregarding the grace period credit card companies provide for new charges ). As, I believe, Experian weighs ( and reevaluates ) my FICO score based on my overall credit usage, I explained that these issues negatively affected my overall credit usage, which negatively affects my Experian FICO score ( Attach 2, Experian, XXXX, XXXX  scores ). As such, I felt my Experian FICO score is being unfairly calculated and suppressed. 

On XX/XX/XXXX, while Experian is still investigating my complaint, I noticed Experian lowered my FICO score again by 11 points although my overall credit usage is the same as it was on XX/XX/XXXX, the date I alerted Experian of their possible violation of the Fair Credit Reporting Act ( Attach 3, shows the same overall credit usage percentage as in Attach 4 ). 

Generally, and as an XXXX American woman with EXCEPTIONAL payment history, I do not understand why my Experian FICO score is so volatile. From month to month my credit score can drop 9 or more points when my credit usage increases by 1 point ( or more recently, when my credit usage percentage hasnt increased at all ) ( Compare Attach 5 to Attach 6, and Attach 3 to Attach 4 ). Contrary, when my credit usage decreases, Experian does not comparatively increase my FICO score.
Consumer complaint received 2022-10-04
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: TD BANK US HOLDING COMPANY (NY)

I have 3 fraudulent credit inquiries on my report. 

XXXX XXXX  bank XXXX Td auto finance XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2021, I deposited a check for thousands of dollars at Wells Fargo Bank. This check is for medical expenses paid to me by the insurance company. However, Wells Fargo listed the check I deposited as " Unusual Deposit Account Activity '', and the check was " On Hold '' until the XXXX. During the virus pandemic and Texas snowstorm, Wells Fargos malicious freezing of normal checks deposited by customers is unacceptable to anyone.
Consumer complaint received 2020-07-16
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)

someone use my ssn to apply and open several fraudulent accounts that I did not do they stole my personal information and used it I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2017-07-23
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: CCS Financial Services, Inc. (SC)

Someone used my name and date of birth to have immigration XXXX/XXXX XXXX done in XXXX New York at XXXX XXXX office in XXXX 2016. I live in XXXX South Carolina and was at work in XXXX on that day with proof of that. XXXX XXXX office sent the bill to XXXX and when it was n't paid XXXX sent this to CCS, Credit Collections Service. When I received this bill in the mail I called all three business 's with little help. CCS refused to speak to me on behalf of this account. I filed a XXXX with the local police department and I want to make sure that this is not placed on my credit.