davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

I sent several letters asking this center to validate the debt but they simply ignored my correspondence. Also i tried to dispute with XXXX  but XXXX  doesn't bother to reinvestigate, they asked me to supply them with more documents!!! how i can prove something that does not exist!??? they claim this bill exist, so they should validate it for me.
Consumer complaint received 2018-07-23
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: EQUIFAX, INC. (NJ)

I called Equifax on XX/XX/XXXX to report that I have tried numerous times to dispute inquiries that were done without my authorization and to have them removed. The representative kept directing me to their site where the dispute can be processed which I have done so many times, Equifax has proof of the disputes online. Why must I keep filing online and it not get processed. Once again, as I mentioned in a prior dispute it seem like the bureau PROFITS from bad credit and does not want to remove something that did not belong on my credit because it WAS NOT authorized by me. XXXX XXXX, XXXX, XXXX XXXX   seem to continuously try my credit for approvals. Look at dates, they don't make sense. Because of these banks constantly applying fraudulently on my credit I processed a credit freeze to protect myself and inquiries KEEP hit my credit!! How is that possible. The following inquiries I reported to have removed - XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX. - XX/XX/XXXX XXXX XXXX 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 XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Qualified Home Solutions LLC (OH)

I paid for a service I never received. I was only in contact with this company when they were wanting me to pay them and keep open a privacy guard account. They promised monthly contact and that was not the case. I paid for something I never received.
Consumer complaint received 2022-11-18
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. (NE)

Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Remove the damaging information from the account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-22
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the lists of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (IL)

I got served with a lawsuit by a company named Velocity Investments , LLC about a loan that was taken out on XXXX XXXX. Unfortunately, I lost my DL a couple of days prior to the loan being taken out, I was in the middle of planning a wedding and didn't notice that until after the wedding. I never received any mail or emails regarding this loan otherwise I would have called the company and ask for a payment plan in order for me to pay it off.
Consumer complaint received 2020-11-26
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. (LA)

On XX/XX/2020 when I submitted a dispute letter for those inaccurate and unknown accounts. over 30 days now haven't received a response. I was a victim of the Equifax Data breach. I want all those unknown and inaccurate accounts must be delete from my credit report or I will file litigation.
Consumer complaint received 2015-08-18
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (OK)

I started calling my mortgage company Freedom Mortgage about refinancing in XX/XX/XXXX 2015 asking what I need to do, what they need from me. after I started the process with XXXX XXXX giving him the information he asked for I went weeks no calls or call backs. after leaving many voicemails I finally got a hold of him he told me my account was transferred to a different rep leaving yet another voicemail for someone else after a couple weeks later to be told someone else had the account. three different people later finally getting a hold of XXXX XXXX who told me my account was closed because they did n't have the paperwork they needed from me which I explained to her I had turned those in to the previous rep who had the account. it was XXXX 3months and payments later she tells me she has to get with a supervisor to reopen it. I called another mortgage company to ask advice they told me I could make a complaint with CFPB. telling XXXX this the next day she called back immediately telling me the account was open and at the under writers. couple weeks go by I call her to hear they need my bank statement I send it another week goes by and she tells me my wife has to write a letter stating I have access to the account and money since it is a joint checking account. then yet another week goes by I call they want an explanation written out why the address on the account is not my house address. I would not have found any of this out had I not called. I was told to get one thing after another and did so in a timely fashion. i finally get everything to them and now XXXX payments later since starting the process its XXXX I am told we are going to get to close the XXXX then they canceled one hour before our meeting because they did n't have the right paperwork rescheduling for the XXXX they canceled again still did not have correct paperwork. they rescheduled for the XXXX and once again called to reschedule for the XXXX still not ready today. I get a call from the title company XXXX XXXX at XXXX they have not received the paperwork from Freedom Mortgage so they are unable to meet us for closing tomorrow. the title company proceeds to tell me they have been ready since XXXX XXXX for me to close however they have been and are still waiting on Freedom Mortgage. I have explained to Freedom Mortgage since day one my payments are to high and I am paying 8 % interest and in XXXX of having this loan my pay off has only moved around {$4000.00}. since XXXX I have been wasting money because it all goes to interest and I explained to them I wanted this done as soon as possible. it was hard to keep up the payment because it is so high and after XXXX I have built no equity due to this issue.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit score has been penalized by minus ten points for no fault or any choice made of my own but for the unfair practices and scoring model of TransUnion. 

Financial institutions often sell mortgages and loans to other Financial Institutions and then close the accounts without the consumer having any saying or any choice in the process. My mortgage first originated in 2002, the oldest record from a financial institution that showed in my record that was sold to another mortgage company years ago has now expired and erased from my credit history because of that TransUnion punish me with 10 points deduction despite that I have been paying every bill on time and that I have been working hard at trying to increase my credit score over the last several years, yet I keep being push back by the UNFAIR scoring model of TransUnion. I demand that TransUnion ( and all three credit score bureaus ) make the proper adjustments to stop punishing the credit scores for reasons that are not the fault, or that are not a direct choice or action taken by the consumers. 

How is it a fair reporting of a consumer credit history to be punished for reasons well beyond the control of the consumer?
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and also XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and also XX/XX/XXXX of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-11-26
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AES/PHEAA (TX)

In XX/XX/2019 my students were discharged and all balances XXXX  due to XXXX  XXXX  XXXX  XXXX per the Department of Veterans Affairs. XXXX  has been notified that their credit reporting system is displaying multiple accounts with FEDLOAN SERVICING XXXX XXXXXXXX XXXX, PA XXXX Phone # : XXXX In a " Derogatory '' status which has had severe credit impacts to my credit score. I have contacted Fed Loan servicing and XXXX  and disputed the inaccurate information multiple times and the information remains to this date as of this complaint.
Consumer complaint received 2017-09-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (DC)

On XX/XX/XXXX a claim was submitted to the Underwriter : XXXX XXXX XXXX that handles XXXX XXXX for apartment communities. The coverage was XXXX but I was responsible upon move in for a non- refundable premium of {$170.00}. I was scheduled to be evicted in XXXX of XXXX. The rental office XXXX XXXX, who is managed by XXXX and XXXX, gave me a call the next month XXXX XXXX XXXX to ask why did I move and that eviction was canceled. Her name was Ms XXXX. My monthly rent was XXXX monthly. The unpaid rent charges that were submitted by XXXX and XXXX were {$3.00}, XXXX and damages of XXXX. = to {$4700.00} and the the XXXX should have covered {$1000.00} leaving me with a balance of XXXX to owe to the community. Hunter Warfield which is the collection agency is charging interest, totaling {$460.00} as of XX/XX/XXXX.
Consumer complaint received 2023-04-11
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. (CA)

In accordance with the fair credit reporting act convergent accounts CREDITOR / COLLECTOR XXXX XXXX XXXX Account Number : XXXX BALANCE : {$650.00}. 


CREDITOR / COLLECTOR : XXXX  XXXX Account Number : XXXX BALANCE : {$600.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$0.00}. 
CREDITOR / COLLECTOR : XXXX XXXX  XXXX Account Number : XXXX  BALANCE : {$510.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$1600.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$670.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$710.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$700.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$650.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX  Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX  Account Number : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE XXXX {$510.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$1600.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$670.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$710.00} CREDITOR / COLLECTOR XXXX XXXX XXXX XXXX Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX XXXX  Account Number : XXXX BALANCE : {$650.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$600.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX  Account Number : XXXX BALANCE : {$510.00} CREDITOR / COLLECTOR XXXX XXXX XXXX Account Number : XXXX BALANCE : {$1600.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$670.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$710.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number XXXX XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$75.00} The Credit Bureaus stated my account was properly investigation but how is that possible is the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, this ground for removal they also violated my rights under 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.

Also the credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2019-05-15
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Statewide Credit Services Corp. (NY)

I realized just about a month ago when my credit report was pulled that I had a collection for a medical bill that was fully paid by my primary insurance. The collection was from XXXX XXXX Medical Center in New York and the claim was for {$200.00}. As soon as I was made aware of this outstanding bill I had, I contacted my primary health insurance company to see if they had knowledge of a claim that was submitted and if I owed any sort of deductible payment. It wasn't even 12 hours later when I was contacted incessantly by Statewide Credit Services out of XXXX XXXX New York. I tried to make a good faith effort to resolve this issue and was met with such abusive and demeaning responses when they did reply to my communication. The other half of the time they completely ignored me and offered nothing but ultimatums basically threatening to make my life miserable and turn this into a vendetta. I am not used to such business dealings with unethical treatment. This was just probably something that was coded wrong by a health care biller and it has turned into an issue that has been stressing me out to the point of exhaustion. I really wasn't aware that collections agencies were immune to a code of ethics or could outright make threats, and handle business with outright abusive personnel. I really am unsure how they have a rating with the XXXX if they treat everyone like this. I really can't handle the downright duplicity in their claims and treatment of my account. I am asking that the CFPB intervene on my behalf. 
Respectfully,
Consumer complaint received 2020-07-17
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: EQUIFAX, INC. (AL)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

ProCollect is attempting to collect {$1100.00} for a " supposed '' debt from XXXX XXXX XXXX. My husband, XXXX XXXX, and I were both on the lease and on XXXX/XXXX/XXXX we were given a standard travel order to XXXX. We notified the apartment the apartment complex and were told everything was in order when we did the walk through. 

I was not aware this was an issue until we had our credit pulled in order to purchase a home and come to find out this is on our report. I sent the transfer duty to the credit bureaus and to Pro-Collect on XXXX/XXXX/XXXX. They never responded to my dispute so on XXXX/XXXX/XXXX I called them and was advised I could only communicate via email to XXXXXXXXXXXX by a XXXX XXXX and a XXXX XXXX. 

I contacted XXXX and XXXX advised me they received my documentation however I never received a response from them. They stated they responded on or around XXXX XXXX, XXXX and the evidence I submitted was not " suffecient. ''
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I'm trying to access my account with Equifax to be able to unfreeze and re-freeze my credit information through their website ( https : //my.equifax.com/membercenter/ # /login ) and I keep getting this message : " The email and password combination you entered is incorrect.Please try again. Your account will lock after XXXX incorrect attempts. '' I was a victim of identity fraud and that is the reason I placed a credit freeze with all three major credit bureaus, but I'm currently shopping to refinance my mortgage and need the ability to quickly unfreeze and re-freeze my credit information. 

I called Equifax on XX/XX/2020 around XXXX XXXX and spoke with XXXX. She unlocked my account and asked me to reset my password, which I did. She told me to wait 24 hours before attempting to sign in with the new password. After waiting 24 hours I attempted to sign in and got the same message. I called Equifax again on XX/XX/2020 around XXXX XXXX  and spoke with XXXX. I told him what had occurred and that I was still not able to sign in. He stated that he will escalate my issue and I should hear back from Equifax within a couple of weeks.That same day I also sent an email to Equifax ( XXXX ) to ensure that there was a written summary of this issue. I sent a follow-up email on XX/XX/2020 and again on XX/XX/2020. 

Today is XX/XX/2020 and I have not heard back from Equifax. My issue remains unresolved, which is causing undue stress under this COVID-19 environment. I need this issue fixed as soon as possible as I am shopping to refinance my mortgage. Your help in compelling Equifax to resolve my issue will be greatly appreciated. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-03
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. (CA)

HARD INQUIRY __________________________________________________________________ XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX   XXXX, TX XXXX CONTACTED COMPANY, THEY SEE THE INQUIRY AND IT SHOWS AS STAND BY ( NO ACTION MADE AFTER THE ATTEMPT OF OPENING AN ACCOUNT ) ACCOUNT WAS NEVER OPENED. BUT IT IS STILL ON MY CREDIT REPORT FROM XXXX   AND TRANSUNION _________________________________________________________________ XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX CONTACTED COMPANY, THEY SAID THAT IT SYSTEM CAUGHT IT AS POTENTIAL FRAUD AND CANCELLED IT BUT IT IS STILL ON MY CREDIT REPORT FROM XXXX