davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-25
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. (NV)

I called XXXX on XXXX-XXXX-2017 and informed them I had been denied credit due to there not being a score for me at their company. I was informed that I could get a credit report, but no score until I paid them money. Any resource I look for online for them requires payment. I can not go back to the lenders that say I have no XXXX score with a report with no score. Also as to trying to find out this information and multiple applications to discover the info from all 3 credit bureau 's. My credit report now shows multiple requests and that lowers my score. Remind me how these companies are supposed to be good for the consumer?
Consumer complaint received 2021-03-28
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. (NY)

In response to Transunion, I XXXX XXXX born XX/XX/1990 give Transunion credit bureau authorization to look into the fraudulent XXXX account that is reporting on my transunion credit report
Consumer complaint received 2017-06-01
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. (NY)

XXXX XXXX duplicate accounts XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX same loan XXXX.in good standing with delinquency trade lines XX/XX/XXXX. 3 times the same student loan. XXXX XXXX XXXX. XX/XX/XXXX with delinquency trade lines in good standing, innacurate information. XXXX  original loan account status closed / Transfer when should said paid/ closed XXXX. XX/XX/XXXX this way they duplicate the same account with the same trade lines in good standing but with status paid/ closed without the original trade lines XX/XX/XXXX and last reported XX/XX/XXXX when was paid XX/XX/XXXX.XXXX again with the duplicate account XXXX. XX/XX/XXXX the same pattern with the XXXX. last reported XX/XX/XXXX. These two loans was consolidated into one in XX/XX/XXXX.
Consumer complaint received 2022-08-10
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. (TX)

Transunion : you violated my rights { 1 } did not remove account while under investigation { by law you had to } { 2 } reporting verified with inaccurate information { past Due } { 3 } collection can not report as open account } because you verified as accurate validate this account Your name and contact information, Your employ ID #, who you talked to what was said { in Detail both parties verify this account as accurate their name and contact information the time and date, any associates that you talked to their names contact information, time and date .their employ ID # copy of original contact with my signature { not a letter from XXXX XXXX a copy of original contract from XXXX XXXX with my signature, who is the original creditor on this account their contact information because that to is { fraud } the account states XXXX under15U.S.C. 1602 { f } my social Security card was used in this account that make me the original owner with full power over this account credit the term credit means { the right granted by the creditor to a debtor to derfer payment to incur debt and offer its payments NO WHERE DOES IT STATE A DEBTOR IS THE ORINGINAL CREDITOR 15U.S.C.1611 { c } false or inaccurate information YOU 15U.S.C.1681 { a } { 2 } in accordance with the written instruction of the consumer to whom it relates 15U.S.C.1692 { c } with out prior written consent of the consumer this will be forward to the XXXX  and my attorney if need be theirs a lot of violations 30 day from this date by law
Consumer complaint received 2022-03-02
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. (NV)

I submitted a dispute on my XXXX credit report for derogatory remarks that were more than seven years old. XXXX removed two of these derogatory remarks. My XXXX  score went from XXXX to XXXX on XXXX. I submitted the same disputes for XXXX and Equifax. Both of these disputes took longer than 30 days. XXXX and Equifax stated that " resolved, consumer disagrees '' This is of course incorrect as XXXX has correctly removed these remarks from my account. Not only that, my Equifax credit score subsequently shot down from I think 696 or 712 down to XXXX. When clicking XXXX  " see what changed '' it stated " no changes were made. '' The only thing that was that there was a new remark on my derogatory accounts from over 7 years ago that the I disagree. It is past statute of limitations and should be deleted.
Consumer complaint received 2017-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (WA)

I was a victim of ID theft and a  XXXX   XXXX  card (  XXXX  ) was open in my name and the account was charged off and sol d to Midland Credit  (  XXXX  ) who sued me without my knowledge and got a default judgement. I got an attorney and proved it was ID theft and the judgement was reversed ( see attachm ents ).  Both  XXXX   XXXX  an d Midland are still reporting these illegally to my credit which is ruining it.
Consumer complaint received 2017-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (IL)

This account was closed and I have been reaching out for the last year to come to a resolution regarding this account and its a ffect on my credit score.   Nordstrom has continued to tell me that my paying a {$750.00} closed account  was not good enough to have it removed from my Credit Bureaus. I have sent letters, Faxes as well as a few complaints through CFPB. I am fed up and  ready to take Legal action to settle this account and get it removed. this is my final attempt to reach out myself to come to some kind of agreement.
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (VA)

I received my monthly bill late on X/XX/2017 with a due date of X/XX/2017. My new bill shows an increasing in my interest rate from 27.99 % to 28.24 %. There is no notification why the rate interested. I paid the minimum payment on time for the previous XXXX bill. I tried to contact American Express multiple times at XXXX but the automated system will not give me any information about my account when I enter my account number or forward me to someone in customer service.
Consumer complaint received 2017-06-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc. (NC)

These were medical bills that were sent to the debt collectors after the provider mailed the incorrect insurance company. I was covered 100 % under my insurance and should have never been billed. I reached out to the collection agency with no help at all, also reached out to the medical facility that stated they would not be able to help because they are not the establishment who billed me (   XXXX   XXXX    )   XXXX   XXXX   XXXX  -- - {$100.00}  XXXX   XXXX   XXXX  {$110.00}  XXXX   XXXX   XXXX  {$110.00}  XXXX   XXXX   XXXX  {$110.00}  XXXX   XXXX   XXXX  {$140.00}  XXXX   XXXX   XXXX  {$200.00}  XXXX   XXXX   XXXX  {$200.00}  XXXX   XXXX   XXXX  {$220.00}  XXXX   XXXX   XXXX  {$700.00}  XXXX   XXXX   XXXX  {$240.00}
Consumer complaint received 2017-06-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

I had a reduction in income I had to file bankruptcy to maintain ownership of my home.   I dismissed my bankruptcy and I 've submitted several request for modifications and  Carrington mortga ge has given me the run around stating they have n't received the documents I 've faxed even though I had faxed the requested documents several times.    Carrington m ortgage has had my financials and modification request several weeks and now I have a property foreclosure sale date for  XXXX   XXXX ,  XXXX .   Also The  Property  Foreclosure sale noticed is dated  XXXX   XXXX . The Tennessee law states the homeowner has to b e given a 30 n otice prior to the property foreclosure sale.    XXXX   XXXX   XXXX  mailed the notice of foreclosure on  XXXX   XXXX ,  XXXX  I did n't receive the notice until  XXXX   XXXX . I did n't get the notice 30 days prior to the sale date as required by the state of Tennessee. I want to keep my house please, please, please help me
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (UT)

ALLY FINANCIAL is reporting an ILLEGAL REPOSSESSION on all XXXX of my credit bureaus. Their repo guy broke into my CLOSED LOCKED GARAGE, which is ILLEGAL. If they can not provide proof WITH PHOTOS that they LEGALLY repossessed it, by law they must remove the account entirely from ALL 3 credit bureaus. Their verifying that is was repossessed is not the issue at hand. Please force them to actually respond with proof. Since I know they can not, it must be REMOVED IMMEDIATELY.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

On XX/XX/20, I received a Citizen Bank credit card that I did not apply for. I alerted Citizen Bank and they are investigating the application. They told me to alert the credit agencies that someone had my personal information.
Consumer complaint received 2017-06-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE (MD)

Pay  XXXX  bill by credit card, requires use of  Western Union  Speedpay subsidiary, which requires acceptance of Terms and Conditions at https : //www.speedpay.com/westernuniontac_cf.asp. This site requires acceptance of mandatory arbitration unless opted out at  XXXX . Over  45  mins talking to various  WU and Speedpay s taff, no one know anything about it. Told to " call back ''. Did so, spoke to employee who also again knew nothing about arbitration opt-out. I do not wish to accept mandatory arbitration, but there seems to be no way to opt out per the  Speedpay  terms and conditions directions.
Consumer complaint received 2019-03-01
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)

Experian has refused to update two accounts on my report though they have been notified of inaccuracies. One account, my XXXX account, reported a recent 30 day late in XXXX. This was a mistake and XXXX notified all three bureaus of the mistake. XXXX and Transunion have updated my balance on the account and removed the 30-day late notation. Experian STILL has not updated the balance of the account or remove the 30-day late. It is reflected as a delinquent account and this has tanked my score. Further, a collection company who does not have the authority to collect a debt it claims was owed ( I paid the original creditor IN FULL ) reported that the account was in collection. I disputed this with Experian and the result of the dispute was " the company that reported the information has certified to Experian that the information is accurate. '' Experian did not conduct a full investigation. If it did, the account would have been removed or, at the very least, reflect a {$0.00} balance as no debt is owed. The collection company XXXX XXXX XXXX has acknowledged that they have no authority to collect on that debt and that it sees a {$0.00} balance is owed to the creditor, so they would have informed Experian of that IF Experian bothered to contact them. This is proof that Experian has not conducted a proper investigation. It is not fair that delinquent reporting can be done so easily, but us consumers have to jump through hoops to correct valid inaccuracies.
Consumer complaint received 2017-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MO)

I received a letter from XXXX XXXX on or about XX/XX/XXXX. They offered me a " reduced balance opportunity '' for a XXXX  debt. However I contacted XXXX and I do not nor have I have ever had a debt owed to them. I called the number listed on the letter and it just disconnects after being placed on hold. <P/>The date of the letter is XXXX17 The sender is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX, WA XXXX XXXX
Consumer complaint received 2022-09-07
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. (NC)

I just reviewed my credit report and there are some Hard Inquiries that I do not recognize. Here are the Hard Inquiries below 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 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 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 2022-03-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLIANT CREDIT UNION (CA)

I received an adverse action notice for my HELOC application from Alliant Credit Union. I'm being denied because of two claims against my employment and identity. There is nothing fraudulent about the information I provided. I would like to resubmit and provide further documentation including my tax returns and other items.
Consumer complaint received 2022-03-29
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. (AZ)

I have tried to get this 30 day late payment fixed and equifax said it was verified by the creditor which is false and the creditor admitted the banking error and I am including proof of 2 payments with bank records of XXXX and XXXX so it is impossible to be 30 days late on the account described in the letter
Consumer complaint received 2017-02-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (VA)

XXXX sold my mortgage 's servicing rights ( MSRs ) to Specialized Loan Servicing ( SLS ) on XXXX/XXXX/2017. None of my insurance information transfered over and SLS sent a letter stating I did not have insurance and stated it was a condition of my loan to have insurance. I provided the Condo Master policy and my Condo unit policy. The Condo unit policy had just been renewed and the new policy information had been sent. On XXXX XXXX, 2017 SLS sent me a letter indicating they were charging me {$200.00} for the lapse of insurance from the date of their loan acquisition, XXXX/XXXX/17 to the beginning of my new policy XXXX/XXXX/2017. This administrative error as part of their MSRs purchase should have been handled in another manner and no mortgage customer should have been charged due to their inability to maintain the documentation from the previous servicer.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This is reference to complaint  XXXX ,   XXXX   and  XXXX . This account from Office of Attorney General is reporting incorrectly. I have paid every month as agreed. The agreed monthly amount has been coming directly out of my check. However it is being reported delinquent when it is not. All months starting from  XX/XX/XXXX  to current needs to be noted and reported as paid as agreed each of these months. Even though I am paying monthly, which is being directly taken out of my check. OAG is still reporting delinquent each month. That is incorrect and unfair. OAG is reporting delinquent each month vs paid each month.
Consumer complaint received 2022-09-07
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. (IL)

The Department of Education discharged all my student loans as of XX/XX/2022. The total of {$39000.00}. XXXX removed the loans from my credit report. TransUnion refuses to remove them.
Consumer complaint received 2023-01-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (NY)

On XX/XX/22 I received a letter from Resurgent Capital Services on behalf of LVNV Funding LLC demanding that I pay on debt that is based on fraud. I've requested proof of contract, proof of their books and accounting stating proof of lost, equal consideration, and proof of my financial obligation to pay. neither of which was provided. As of XX/XX/XXXX, more letters are being received as threats to potentially reposes my property. Violation 15 USC 1692 ( D ) It is to my knowledge that 15 USC 6802 I was supposed to be given the right to opt out of my Nonpublic personal information being sold to nonaffiliated third parties which was not done and is a violation of {$1000.00}.

15 USC 1602 ( p ) unauthorized used to which I received NO BENEFIT. and 15 USC 1692 ( G ) as collections are still being reported during disputes.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I had a checking account with citizens bank. I changed banks. The day I went to change my checking account to my new bank, I checked the balance on my citizens checking account. I wrote a check to " cash '' in the exact amount of my citizens checking account and deposited it in my new bank. 
. The following week I received a Citizens letter stating I had a negative balance of {$25.00}. I ignored it. Yesterday I received a letter from Citizens stating that I owed about double that amount, and they threatened to bring me to court. I called the bank and was told that I needed to give Citizens my full social security number or they couldnt look up my account. I refused. I am worried that my credit history would be damaged, but I refuse to pay can you help