davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any c
onsumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-06-18
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

Equifax Credit Bureau is refusing to follow the 5 Days REINSERTION LETTER. I had a debt that was removed and deleted from my report ( XXXX XXXX XXXX {$1500.00} ) I applied for credit and noticed that the reason I was denied and the reason my score decreased by 100+ points were because of a collection debt, which is XXXX   XXXX , same creditor same amount that was removed previously.. So, I questioned the company why I did not receive an reinsertion letter? They're not giving me any responses. They just keep saying that they will begin an investigation but my concern is why every year I have to do an investigation on the same debt and why they are not communicating with me before they start adding deleted items on my credit report? This is my life and credit is a major issue in todays society. Please help me with my further steps ... I have contacted Equifax Management team, Fraud Dept, Equifax Disputing Dept and they are putting me on 50+ minute hold times and they hang up and say well the law is 30 day investigation. I'm saying and the law says 5 day reinsertion they ignore me on that law and Act ...
Consumer complaint received 2020-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (GA)

I am submitting a complaint about several collection agency that is continuously reporting false information on my credit report. I have tried reaching out to the creditors and the credit bureaus several times, I have also disputed the inaccurate debt with the credit bureaus. The collection agency do not have the proper paperwork that this debt is mine and/or that the debt has been paid off. The collection agency Convergent Outsourcing inc that states I owe XXXX $ XXXXThis reporting is not accurate this was paid in full and/or I returned cell phone to XXXX by mail in lieu of paid in full.
Consumer complaint received 2020-04-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have asked experience to remove XXXX XXXX XXXX from my credit report and XXXX XXXX   XXXX it has been removed from other credit reporting agencies but not from experian
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have filed a dispute and also supplied them with supporting documents in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2020-07-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CURO Intermediate Holdings (CA)

On monday XX/XX/XXXX at XXXX XXXX i received a txt message from this company saying that i had been approved for a personal loan with a certain amount of money to give them i call back to that number. 
I called back they had already my information and they said i will be getting the money they just had to increase my credit score. 
After that some hours passed and they said in order to help me out to increase my credit score they were going to deposit money in my bank account XXXX dollars and i had to pay them back that money right away in order for them to verify me. 
Some hours passed and they deposit XXXX dollars saying it was just to check my bank acount. Thay ask me to buy a XXXX prepaid card to pay back that money to them, i did that and after they ask me to deposit XXXX dollars into my own bank account in order for them to confirm all the transactions. 
XXXX XXXX that was his name called me back around XXXX XXXX that monday and said the money was going to be in my account the next day right in the morning. 
XX/XX/XXXX called me in the morning and said i needed to buy XXXX XXXX   cards. 
I check my bank account that morning and i had XXXX deposit in my acount i believe they were going to be for the loan. That called and they said my credit score needed to be higher and with those 8 XXXX cards they were going to help me, and that was the last thing i had to do. I bought the cards with that money and XXXX said to give them a couple of hours so the money could be in my bank account. 
XXXX called me back several times and ask for my bank account information saying that they were going to put they money but they couldnt because something was wrong with my account. At XXXX he called and said the money was going to be in my bank account fist thing in the morning that they had some problems with the manager. 
XX/XX/XXXX in the morning i check my bank account and i had XXXX dollars they called me and said they couldnt deposit the money because my account had minus if i had bought something or if i had bills to pay that i had to pay that off first in order for them to give me the money, i reply to them saying i didnt had any bills or anything it was just them and the XXXX cards they had made me bought. XXXX told me to give him 2 hours in order for him to check that, at XXXX XXXX   he called me back saying he couldnt fix it and i had to pay XXXX dollars in another XXXX card in order for them to fix it or to cancel all the loan, i tell him no and he said he couldnt do anything and that the minus moeny in my bank account had been me.
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (CA)

I called my mortgage servicing company United Wholesale Mortgage about a forbearance on my mortgage payment, due to loss of income. I was told that there is only one repayment option. Which is to repay my mortgage forbearance in one lump some. It also states the same on their " Coronavirus Assistance '' page. 

https : //assistanceprograms.loanadministration.com/ I don't understand how this can be any type of assistance? I am having financial difficulty due to loss of hours because of the Coronavirus, How is it " helpful '' to be told that I have to come up with a lump some payment of nearly {$20000.00} at once? The problem is I dont have enough to pay.
Consumer complaint received 2020-02-19
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. (FL)

XXXX XXXX is reporting incorrect information regarding this account on my credit reports, this account was reported as charge off on XX/XX/2018. However, when an account is marked as charge off, it should not be reporting late payments and therefore is in violation of the FCRA. For this reason, this account should be DELETED from all credit reporting agencies due to violations of the FCRA.
Consumer complaint received 2018-06-19
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: EQUIFAX, INC. (NY)

Please remove the following fraudulent inquiries from my Equifax Credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-05-23
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. (NJ)

I went to the car dealership on yesterday and they denied me. I really thought they were just hassling me around so I went to my bank to apply for a car loan and they denied me as well. I pulled a copy of my credit and there are some items on there thats not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX and XXXX XXXX.
Consumer complaint received 2016-01-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

In XXXX 2015 I received a phone call from the Macy 's fraud department concerning fraudulent charges on my Macy's/XXXX credit card . I told them I did not make the charges and I filled out a fraud complaint/affidavit attesting to this. Since then, they have sent me numerous bills and no follow-up on the fraud complaint. I have not paid any on it, because I was told that would be admitting liability. I have called the fraud department numerous times and they are not willing to help me. Recently, they closed my account and unbeknownst to me, my credit score pummeled. They are now in the midst having a collector contact me. I did not make these fraudulent charges and Macy 's has been aware of this ongoing problem, but were never willing to help me with it.
Consumer complaint received 2021-07-14
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. (MD)

experian XXXX & XXXX XXXX all report an unverified delinquent account ( XXXX XXXX XXXX charge off ) to my credit profile. i have filled mail in disputes with all three bureaus as of XXXX. i have also mailed demand to comply letters. still no response.
Consumer complaint received 2020-04-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

Last summer I was notified by XXXX county that Freedom mortgage did not pay my 2016 property taxes and they had auctioned off the debt. It took weeks to get this issue resolved and Freedom ended up paying the debt. 

This past XXXX I got a letter from Freedom saying that I had missed by XXXX payment. I had made the same payment I have diligently made every month. I had not missed a payment. Freedom stated that they had raised my mortgage by approx {$400.00} dollars/month in order to recuperate the money they spent to cover the unpaid 2016 taxes. They said that there was now an escrow shortage I immediately began calling and emailing. There has been tremendous difficulty getting responses. I made an arrangement to spread the escrow shortage over 4 years. This increase would be approx $ XXXX over 48 months. I received a letter confirming this. 
Customer service stated that they had waived the XXXX late fees and agreed to the new payment plan. 
For XXXX I made the new payment that was {$100.00} more. 
I then received a notice saying again that I had missed another payment. 
I paid XXXX and XXXX. The XXXX payment was my original and XXXX was the {$100.00} more. As stated in the letter I got from freedom. 
Throughout this process I have made numerous calls and sent several emails trying to find a resolution. I believed this was resolved when I got a letter. 
I have been reported to the credit bureaus as having missed 2 consecutive monthly payments and my credit score had need affected. Freedom still shows me as being delinquent. I can not get hold of anyone, I can not get a call back, I cant get a response to an email, I have no way to get any sort of resolution. 
I need assistance. I need help getting through to someone at freedom to get this issue resolved. I need to know how to fix this and how to get freedom to fix my credit. 
Please help. Thank you
Consumer complaint received 2021-02-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PACIFIC WESTERN BANK (NC)

I requested a withdrawal payment from XXXX on XX/XX/XXXX for {$600.00} and Pacific Western Bank drafted the check on XX/XX/XXXX according to the check date. However, I didn't receive the check in the mail until XX/XX/XXXX, 2 weeks later. Pacific Western Bank seems to purposely either holding the funds back or is not able to keep up with the customer demand from XXXX which profits both XXXX and Pacific Western Bank as the customers need to deposit more funds to " play '' over a 2 week period without access to previous winnings. This practice is unlawful and deceptive and only benefits XXXX and Pacific Western Bank.
Consumer complaint received 2021-02-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I sent a Certified Dispute LetteXXXX to Equifax XXXX XXXX # XXXX XXXX and it was received on XXXX XXXX XXXX XXXX days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2020-06-30
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S WRONG DOINGS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
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: EQUIFAX, INC. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.
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: EQUIFAX, INC. (CO)

On XX/XX/20 I received a notification from XXXX XXXX that my credit had a hard inquiry by XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX through Equifax. I logged in and looked at the inquiry. I filed a report disputing this hard inquiry I did not authorize. I have no business dealings with XXXX XXXX XXXX whatsoever, so they have no authority to run a credit check on me.
Consumer complaint received 2020-06-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RIGHT START MORTGAGE, INC. (AZ)

Right Star Mortgage has not paid my homeowners / hazard insurance. The money is in the escrow account, I keep getting notices from XXXX, and have received a notice from Right Star Mortgage that they are going to force me to buy their mortgage because I don't have homeowners insurance. In addition, I attempted to apply for COVID-19 under the Cares Act ... I was forced to explain why on a web site, thereby documenting which I believe is a violation of the Act, furthermore I was directed to what I believe is their own solution and not the Cares Act solution ... when I was very explicitly stated the Cares Act ; the 've told me I have a 90 day extension but no discussion on how to manage the balance moving forward. I believe they are taking advantage of their customers during the pandemic.
Consumer complaint received 2022-04-01
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: SYNCHRONY FINANCIAL (NJ)

On XX/XX/2022 my credit was illegally ran by synchrony financial causing me to have a have a hard inquiry on my credit report. I did not apply for any credit on XX/XX/2022 and I need this inquiry that was illegally placed on my XXXX report removed. I contacted the synchrony bank fraud department on XX/XX/2022 and spoke with someone named XXXX who informed me that someone tried to illegally apply for credit with synchrony bank using my Identity. She informed me that synchrony bank would send a request to remove the inquiry from my report but that has not happened and the false inquiry is still on my XXXX credit report.
Consumer complaint received 2021-10-05
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: EQUIFAX, INC. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

THIS COMPLAINT IS ABOUT USAA 's CONFLICTING FRAUD INVESTIGATIONS BEGUN Attatched XXXX XX/XX/XXXX Adjustment Purchases of USAA XXXX DISPUTES USAA SUBMITTED. ( {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) CONFIRMED BY USAA XX/XX/XXXX AS ** AUTHORIZED TRANSACTIONS USAA POSTED NEW TRANSACTIONS XX/XX/XXXX FOR THESE ** AUTHORIZED TRANSACTIONS TOTAL {$470.00} See attatched XX/XX/XXXX CREDIT CARD ( FRAUD CLAIM DATE XX/XX/XXXX UNAUTHORIZED TRANSACTIONS I SUBMITTED ) XXXX. OF XX/XX/XXXX {$470.00} ** THESE ARE SAME {$470.00} TRANSACTIONS THAT USAA SUBMITTED XX/XX/XXXX CONFIRMED AUTHORIZED TRANSACTIONS XXXX XX/XX/XXXX. USAA POSTED NEW TRANSACTIONS. I DID NOT PURCHASE. THESE AND SIX MONTHS LATER SAME TRANSACTIONS ARE UNAUTHORIZED. USAA HAS NEVER PROVIDED THESE FRAUD CREDITS FOR XX/XX/XXXX OR XX/XX/XXXX.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (UT)

On XX/XX/20 I received an alert that my XXXX XXXX XXXX had been closed without any notice. I received no written notice from the bank telling me that my account was closed or that it would be closed. The account has always been paid in full and on time without issue however it appears that the bank has chosen to close the account with notice in violation of required notice.
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (FL)

XX/XX/XXXX : Received monthly statement and learned the credit card company reduced my limit to be very close to amount owed. Two weeks after the limit reduction I received a letter dated XX/XX/XXXX Advising the action taken with a general reason. This impacted my credit score with a 40+ point reduction. 
XX/XX/XXXX : Once again this credit card company reduced my limit down to the amount I owed with no prior notification of pending adverse action. The letter was dated XX/XX/XXXX and advised the action was taken due to number of inquiries on my credit. 
I have 2 cards issued by this bank. This is the only one they deem to be a risk. The company continues to impact my credit score in a negative way for no reason. I have a 100 % payment history with all of my cards including the ones issued by Barclay Card. After the limit decrease on XX/XX/XXXX I sent payment in full for the account. My cycle date had been the XXXX of the month since opening the card a few years ago. I check all my accounts regularly and I expected this account to cycle on the XXXX of the month to report to the agencies and to give me my final interest. I check the account on XX/XX/XXXX and it had not cycled. I called the company to determine what the issue was and they advised that my cycle date had been changed by a web user to the XXXX. I did not change it. In fact it would have caused ( and did XXXX more issues to change the statement date. When I called to have them correct this they told me they couldn't. 
I am a small business owner and have many cards with substantial limits. My credit will have more than the usual inquiries due to this fact. If this company would have followed standard guidelines and informed me of the upcoming limit decrease I would have had the opportunity to pay the account before it adversely affected my credit. When I called to express my concerns they advised that it was the risk program they had in place and the decision would stand. Not only have they hurt my credit score multiple times for undue cause they are unwilling to correct the issue. This 96 % usage of a single card will remain on my report until XX/XX/XXXX at the earliest causing an undue score drop for an extended period for the second time.