davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-06
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXXXXXX {$110000.00}
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

To whom this may concern, After reviewing the updates made to my credit report. Your company is reporting inconsistent last payment dates, incorrect credit limits, along with inconsistent last dates of activity. According to my credit report, This alleged charge off is over 9 years old your company should no longer report this debt to the credit bureaus. Please delete this alleged charge off from my credit report due to inconsistent reporting, statue of limitations has passed, and lastly due to reporting on debt over 7 years in the state of PA. 

Kind regards,
Consumer complaint received 2020-05-06
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)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX {$140.00} XXXX XXXX  XXXX {$110000.00}
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

For approximately two years my credit score has been tampered with false score reported by the three bureaus. Score drops as high as 18 points were attributed to auto loan paid on time. I have not been late with any car note payments in 17months. There are two fraudulent claims on my credit, which I have disputed several times individually with the bureaus. In addition I've reached out to the company who placed the claim on my credit, they refused to discuss the details of the charges, they refused to provide a solution. Nothing ever came of the disputes and the same two fraudulent claims were placed on my credit every few months and listed as new debt, causing my score to plummet even more. my current score is not reflective of my credit history. Speaking with the bureaus have yielded no solution and my credit score remains under attack. on one occasion a incorrect account was placed on my credit causing it to decrease by 59 points but when it was resolved my score remained effected negatively.
Consumer complaint received 2020-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

The original creditor is XXXX XXXX. 
- The debt collection agency is LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX PH : XXXX OR PH : XXXX. 
- The amount listed on the credit bureau reports is {$560.00}. 
- I have attempted to dispute this account minimum of 2x with each individual credit bureau agency ( XXXX, XXXX and  XXXX  ). I have also called LVNV funding directly requesting a validation of the debt. I do not recall this debt at all. 
- When I reviewed my XXXX  report it list date of first delinquency XX/XX/XXXX ; delinquency first reported on XX/XX/XXXX and the date the account was first opened XX/XX/XXXX. How do these dates make valid sense? I am simply requesting an explanation and proof of this debt. 
- When I reviewed my XXXX  report is states date placed for collection XX/XX/XXXX. 
- When I reviewed my XXXX credit report it states collection opened on XX/XX/XXXX and the account type is a " FACTORING COMPANY ''. 
- I have all three copy of copies that support this information above. I have also attempted to contact XXXX XXXX - but I was advised to contact the debt collection agency. I have a current XXXX  XXXX credit card holder this is further more I do not understand what account this debt collection agency states that I owe. It is my right to be provided documentation to this aforementioned account. The credit bureaus have stated this account has been verified ; however no means of how this account has been verified to me directly and it is my credit profile that is being effected. I respectfully ask for this account to be validated or removed for all of my credit bureau profiles. I also request proof of when any correspondence was sent to me to discuss this account.
Consumer complaint received 2021-08-11
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: OneMain Finance Corporation (GA)

I have been disputing all late payments with this company for years even hired a credit repair company was charged hundreds of dollars, they even disputed the late payments and they never enemy responded to the disputes and they have damaged my credit tremendously, they even whet into my wifes account and took an unauthorized payment out of her account only because she had used her account previously to make a payment for me, this caused her account to be seriously overdrawned
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion has updated the balance when the company has sent a letter directly to delete the account. The collection agency agreed to a pay and delete. Although I have no knowledge of this debt, I chose to settle to prevent further collection activities and harassment. The account was paid in full with a balance of XXXX. The current status shows Transunion changed the amount from {$100.00} to {$78.00} instead of deleting/removing from the credit report. Upon reviewing daily updates provided by XXXX, your updates are inaccurate and incorrect.
Consumer complaint received 2020-09-21
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. (FL)

On XX/XX/XXXX and again on XX/XX/XXXX there were request for a credit card fir a XXXX XXXX XXXX application. In XX/XX/XXXX I looked at my Experian credit report to find out where I stood to get a home loan and saw these hard inquiries. These inquiries affected my credit score in addition to putting too many inquiries on my report and affecting my ability to get a home loan. I filed a dispute, to no avail. I emailed, called and was finally told I had to contact XXXX. I contacted XXXX and they refused to remove or investigate the inquiries. I finally threatened to take legal action before XXXX would investigate and send a letter to Experian to remove the inquiries. Again, Experian has not removed the inquiries. I sent a copy of the letter from XXXX to Experian and to date ( XX/XX/XXXX ) these inquiries have not been removed. It has been 9 months dealing with this. I lost 2 homes that I could afford to buy because Experian and XXXX refused to act in a timely manner. My life, reputation and credit scores have been negatively affected. These companies hold my life in their hands and should be held accountable. It has been impossible to get a phone number to talk to Experian and when you leave a message, they do not return calls or respond live chat, emails or texts that they give as contacts.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To whom it may concern, I am writing to you because I noticed some inconsistencies on my credit report that have been damaging my good name and my credit score and needs to be looked at immediately.

You are reporting a status date of XX/XX/XXXX yet transUnion is reporting XX/XX/XXXX and XXXX has no record of this account, also you are reporting a balance update XXXX XXXX yet transUnion is reporting XX/XX/XXXX. You are also reporting payment stay as voluntary surrender yet transUnion it as voluntary repossession. Also you are reporting the account type as auto loan yet transUnion is reporting it as installment loan. 

This is inaccurate reporting so please remove this off my credit report for inaccurate information.
Consumer complaint received 2021-07-19
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. (IL)

Checked my free annual credit reports on XX/XX/21 and on the Experian report only I found a Soft inquiry from IDES  Batch on XX/XX/21. I do not and have never received unemployment benefits from the State of Illinois and have never seen it on my credit reports. Went to the IDES website and was alerted to may scam/phishing issues happening to Illinoisans. Please look into this. Its a form of identity theft. Thanks.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/2023 I deposited a XXXX check for {$8000.00} into my Truist checking account. As of today, XX/XX/2023, the funds are still showing as pending due to an administrative hold. This has caused the account to go into the negative and they ( Truist ) are now charging me overdraft fees which they are refusing to refund. I know the check has cleared, I have proof of funds, and they are drawing interest off my money while denying me access to it. I have been a customer with an account in good standing at this bank when they were Suntrust for close to 20 years. How is this legal? There should be laws against this, because it is extortion. There are hundreds of complaints about this online. This bank is shady and criminal. This is theft. Plain and simple. Customer service is rude and unhelpful.
Consumer complaint received 2021-09-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (PA)

On XX/XX/2021 i received a notification on my credit report that i have a Medical debt for the amount of {$75.00}. I have NOT received any letters or phone calls regarding this matter. I dont even know the company thats requesting this debt I cant even get in contact with the company. If you check my credit report and history you will see i NEVER missed a payment especially for {$75.00}. I would like this remove because as of right now its hurting my score and hurting my chances on buying a house
Consumer complaint received 2020-05-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Orion Portfolio Services, LLC (FL)

On XX/XX/2020 at approximately XXXX hours I attempted to contact Orion Portfolio Services LLC, Compliance XXXX about account No. : XXXX______________________________________ I spoke with representative XXXX. When asking her what is the contact email for their company she stated " we do not have an email for a specific person. I'm stating that they are only have a general email. '' When asking if she had internal emails her response was " No sir ''. ______________________________________________ When asking her if her department has a compliance department she said yes and identified the person. When asking the representative what was the compliance officers contact information her response was " I'm sorry sir I can't give out that information, I apologize.__________________________________________________________________________________When asking the representative why would she not be able to give out the compliance officers number her response was " Because she only have an internal number. '' When asking the representative if the compliance officer had an outside email her response was " no she does not. " ________________________________________________________________________________________However attached to this complaint is the complete contact information for the compliance officer that is public record. _____________________________________________________________________________________________If possible, if the agency can explain why did their representative lie about information that easily found and is public record, through a XXXX search?
Consumer complaint received 2021-07-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

i went on the forbearancemay XXXX untilXXXX XXXX due to lay off from corona shutdowns i completedthere forbearancepackage, they sent thru the mail like instructed took it to be notarized the noter, notarizedmultiple places we found in the bound paperwork but failed tofind two pages. 
paperwork was sent back for above reason, immediatelytook to noter and fixed the problem mailed back to suntrust they somehow added my XXXXhusbandto the loan unknown to me that i needed to sign his name foracknowledgementreasons only they stated. sent it back again ... signed his name and returned it for a third time they sent it back because it didn'thave his initialson a paper, mind you after a couple times you would think they couldsee i was strugglingto find all the little spots that loan officers are paid heftysalariesto point out for accuracy. 
i then sent it back for a fourth time with a hope and a prayer that id found all the secretspots i started making payments XX/XX/XXXX till i made XX/XX/XXXX payment and they didntsend the paper workbackthey sent all my payments back totalling XXXX XX/XX/XXXX reason being they were not the total to pay the whole forbearance ive called suntrust countless times and no one will answerthe phonei have a XXXX  rep that will not answerthe phone i talked to XXXXXXXX XXXX the housing counselor XXXXtold me to contact hudshe called suntrust to help me work it out we on just that one day was on phone for over 4 hours i dont want to lose my home i know many americans that did the forbearanceplan i've owned this home since XXXX and neverbeen late i have excellentcredit and dontknow where to turn XXXX told me that hud could help me and that you wouldhave a more direct line approach to suntrust or who ever they have sold out too thanks for all you help please call me im not sure what to do or how to approach suntrust as they have cut all lines of communicationivebeen into the branch multiple times and been told that due to merger they can no longer talk to me only the home preservation reptheres no way to get ahold of her or anyone to help they are setting me up for foreclosure XXXX XXXX for accuracy purposes ive included the housing counselor and suntrust home preservationclient representativeplease reply all with necessarycorrespondence i've never paid a payment thru email and i didnt this loan thru emailwhen i've had a problem i've always been able to call and talk to someone on thephonethis is thefrist time in XXXX   years to communicateby email. i had to get mygrandkid to help with this. again obviously i'mstruggling with the timesbut ive got my job going and was and still am ready to resume making paymentsi 've requested and ask for return calls
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Good afternoon, I have an AAdvantage credit card, a MasterCard, with Citi Cards. 
I was recently given an increase to {$11000.00} as my credit limit. My previous limit was {$7500.00}. An increase of my credit limit by {$3500.00}. 
On my last statement, I was charged a {$40.00} late fee. I have contacted the customer service line at Citi ( XXXX XXXX XXXX XXXX ) to contest this fee. Citi will not take the charge off despite being a good customer and having been given an increase in my credit limit. 
In XXXX, I made the XXXX payment - my minimum obligation to Citi - of {$220.00}. My check was dated XXXX and was received by Citi and credited to my account on XX/XX/XXXX. ( I live in XXXX and mail delivery is fast here. ) I made another payment to Citi on XX/XX/XXXX at the Citi banking machine ; it was received the same day, XX/XX/XXXX for {$220.00}. This extra XXXX payment was intended for XXXX - made early - because of my concerns about Covid 19 pandemic and getting my XXXX payment in. 
I was told that the second payment in XXXX was credited back to XXXX ; they could not credit that payment of {$220.00} for XXXX. 
I am still employed and working. That said, I made a payment on XX/XX/XXXX for {$220.00}. I mailed the payment on XX/XX/XXXX. Citi claims they received the payment on XX/XX/XXXX and sent an email thanking me for that payment. They also charged me the {$40.00} late fee. 
I think that {$40.00} is a lot for a late fee given that I had made a XXXX payment for XXXX. Also, even if Citi can't credit a XXXX payment to XXXX ( especially in these times ) then my XX/XX/XXXX payment should be credited on time. 
I do not understand why my payments to Citi have always been credited quickly and now it's taken Citi almost 15 days to credit my payment to my account. 
I explained to the Citi customer representative that I have been making payments ( 3 payments to Citi in XXXX and XXXX ) but that because Citi is working with a smaller crew, my payment was credited late. 
I sent my payment in ample time but believe that in-house delays at Citi ( smaller staff, working from home, etc. ) has caused the delay. This is not my fault that they credited the payment late. 
I would like my account to be credited the {$40.00} late fee because the delay was not my fault. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-11-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Experian is continuing to report a debt as verified. This debt is an open fraud case with law enforcement and open case with nys public service commission ( as regulatory agency for original creditor XXXX ). This has been deleted off of transunion and XXXX. Experian keeps reporting information that is identity theft. 
Alleged debt is : XXXX XXXX XXXX. 
XXXX XXXX
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP (MD)

In XXXX of XXXX i got approved for a mortgage modification which has been received by my mortgage lender Ameris Bank formerly XXXX XXXX  for new mortgage loan. I've made on time payments as of current. But in XXXX of XXXX i called in to make a payment and they told me i was behind on payments. I told them i have been approved for a mortgage modification in which they claim they do not have on file. I sent them the letter with the official seal to verify it but they did not acknowledge it. I sought legal representation from legal shield to help but they continued to not acknowledging my official documents for approved mortgage modification. Which is why i am sending this complaint.
Consumer complaint received 2020-05-06
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$2200.00} XXXX/XXXX  XXXX {$410.00} XXXX/XXXX   XXXX {$420.00}
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc (TX)

XX/XX/XXXX, XXXX XXXX, XXXX. I had applied to XXXX ( has always discriminate denying me without reasons ), XXXX, renewing XXXX, and XXXX. I have updated their background check companies they used that are DISCRIMINATING against me denying me employment, not accepting my certify documents and copied documents that their error are going back to an old issue that wasnt an issue in XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX until my XXXX XXXX on XX/XX/XXXX was XXXX on XX/XX/XXXX. I have attached the documents and I keep getting an unfair rejection and the background checking companies stated that it is up to their third party. Unfortunately, this third party controls all corporates and businesses in my county. I applied for employment with XXXX, I was denied and listed as not eligible for rehire with no reasons. Something with the XXXX XXXX  background check companies. This is DISCRIMINATION as I was a XXXX XXXX  Victim in XXXX, was a Victim of XXXX XXXX in XX/XX/XXXX, Victim of XXXX XXXX  on XX/XX/XXXX, and now this. These companies need to be looked into. This is Depriving me of my Rights, Violating my 1st Amendment, and Civil Rights.
Consumer complaint received 2021-08-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMB FINANCIAL CORPORATION (WA)

XXXX XXXX via UMB bank targeted me for a promotion in XXXX, which said that as long as I met the terms of the promotion, I would get {$200.00} deposited into my XXXX XXXX Cash account within 30 days of meeting the terms. I have met the terms for nearly 60 days ( XX/XX/XXXX ) and even though I've reached out twice, I still don't have the {$200.00} that I'm supposed to get from that promotion.
Consumer complaint received 2020-05-06
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.