davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have been victimized by your company reporting erroneous information. After several attempt of trying to rectify the matter with your bureau in civil manner, my attempts have been unjustified and ignored violating the FCRA and my rights as a consumer. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I  have made.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: First Data Corporation (TX)

On XX/XX/2019 I had fraud to occur on my account with Money Card Network. I went to the store to buy something and my card was declined. I logged into my online profile and seen that all my pay check was gone. There was only XXXX cent in there. I checked the transactions and I saw that XXXX had came into my account for the following : two transactions for XXXX, two transactions for XXXX, two transactions for XXXX, one for XXXX and five for XXXX. I called XXXX because I remembered receiving and email telling me to change my password, there was a breech in security. The representative looked up the transactions and stated they were canceled on their end. I then called Money Network and advise representative and I have spoken to XXXX and they said the transactions had been canceled. The representative stated I would have to wait to see if the transactions were refunded within 7 days before I could do anything, and I did. The transactions were not refunded. I filed a dispute for the unauthorized charges, but was told my dispute was declined because I had used XXXX before and I failed how this is fraud. I called the customer service number and advise the Supervisor that on the day these transactions occurred, I called XXXX and Money Network immediately. I was told to send in a letter of appeal addressing the reason why I used XXXX before, and way these transactions were not mine. I did and my claim was still declined. That money was for my car note and I was put in a financial bind when and occurred, and what is even or upsetting is that Money Network is denying my claim wrongfully and not helping me get my money back. Just because I made purchases at XXXX before do not mean every transaction that comes thru from XXXX is authorized by me. I read views online and they do this all the time. I am will not stand for this and I will take every legal action I can.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX To Whom it May Concern : I've just reviewed my credit report and have noticed there are several inaccurate items on my report : PLEASE REMOVE THE BANKRUPCY FROM MY CREDIT REPORT AS IT HAS BEEN OVER 7 YEARS In addition, there are a number of credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : I have enclosed proof from my XXXX XXXX of it being over 7 years reporting on my credit Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC (OH)

XX/XX/2020 I recieved 6 credit alerts saying I closed my mortgage account and it took XXXX points off my credit score. I never closed my account. RoundPoint Mortgage transferred my loan to XXXX Mortgage XX/XX/2020. This the second time my mortgage has been transfered from Primelending to RoundPoint and that didn't affect my credit score. My credit reports shows I have no mortgage loan at all {$0.00} balance. From my understanding mortgage transfers are not suppose to have an impact on my credit score. My payments are current.
Consumer complaint received 2019-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (TX)

On XX/XX/XXXX, my XXXX y/o mother suffered a XXXX. She was bed-ridden at that time and has/will be under constant professional medical care for the rest of her life. A few months later, I started receiving phone calls from the XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, TX XXXX. I informed them about my mother 's condition, and that I was in no way responsible for her actions or for any signing of any contract. ( SHE had purchased the 2 memberships in hopes of helping me & my husband ) These calls came repeatedly, and repeatedly, I informed them of the circumstances. 
Last week I received a Debt Collection Letter from : First Credit Services , Inc. ( FCS ) ( XXXX XXXX XXXX. XXXX, XXXX NJ XXXX XXXX ) demanding {$400.00} for a " GOLD 's GYM PHASE 2 '' creditor. Account nr. XXXX. 
How can an well established business conduct such erroneous behavior? ( retorical ). Is there anything you can do to XXXX XXXX XXXX in XXXX XXXX, Tx.? I will be sending a, " dispute of validity, '' to FCS tomorrow and do not expect any further repercussions since there is no signed contract. However, if there are problems, are there other avenues you or I could pursue? 
Thank you in advance for any/all help you can help me with in this matter. 
Regards, XXXX XXXX
Consumer complaint received 2018-09-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Have been faxing for a year to get loan modification! XXXX XXXX on loan only, grant deeded and power of attorney to XXXX XXXX, ( proof have been sent ) Bayview said ad XXXX XXXX on paperwork see inclosed! Have XXXX and XXXX on seperate paperwork can afford modification paperwork if XXXX can have someone look at paperwork, sending proof again!!!!!!!! Not sure why modification paperwork can not be reviewed! Have proof of faxes and papework for a year! And XXXX my cousin has been helping me they never call him XXXX!
Consumer complaint received 2020-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MT)

I received a written demand from ERC on XX/XX/2020 with details as follows : *Reference number - XXXX *Alleged original creditor - XXXX  XXXX   *Amount demanded - {$78.00} I responded in writing in a letter sent by certified mail to the address accompanying the demand ( XXXX XXXX   XXXX, XXXX. XXXX, XXXX, PA XXXX ). In the letter, I gave written notification that the debt is not mine, requested an accounting, and gave details on when and how to best reach me. 

According to the information received from USPS that ERC refused to accept the letter, and it was returned unopened. 

Such refusal appears to be a bad faith tactic to frustrate efforts to invoke the protections and rights of state and federal consumer laws.
Consumer complaint received 2018-09-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: First Investors Servicing Corporation, Atlanta, GA Branch (TX)

The vehicle was purchased with an extended warranty that should have covered the drive train. I reported an issue the the transmission and they said the issue was out of the scope of the warranty. This problem later led to mechanical failure of the vehicle. I informed them that I was not going to continue to pay for the vehicle but it was useless unless they would warranty the damage, they refused therefore I surendered the car back to them and it has since affected my credit negatively
Consumer complaint received 2017-08-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (OH)

I feel as though I have been harrassed, starting the week of XXXX XXXX I have been called alot ( I do understand that ) but yesterday XXXX I was called 7 times. I was called twice in 1 hour. I have spoken to the creditor and advised I will make my payment XXXXMy payment was initially due XXXX. Is this considered harassment?
Consumer complaint received 2020-10-22
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)

XXXX XXXX  and credit cards for military and veterans says i was late making payments. I was in XXXX. I had auotomatic payment and money was taken out of account. Right now they have said they are taking them iff but it has been a year. I am tired if companies that lie through there teeth. All is somebody needs to do is get credit report that shows not if paid or not but the credit reports that show money amount. I payed XXXX in XXXX and then they say i missed paymemt in XXXX. I havent missed a payment in 30 yearscwith any credit cards. Also XXXX  XXXX says in XXXX i was late ine day on the last 3 payments. I can rememner what happened like yesterday but it would take 2 pages. I had automatic payments with them too. Why would you pay paymentdms on timevfor 69 months then all of a sudden with no changes on life or job make paymebt late one day. I was in military and got paid on XXXX. The only thing that happens is there is 31 days in some months. I called them and asked why credit score webt down after i paid my car off with every payment in time. They are finance company and they made reason up why my score went down. It went down because i didnt have different credit types. They didnt know it and i took classes on credit. They made the late payments up because they dont give their own finance team credit reporting classes. 

I want legal dovumentstion from XXXX XXXX XXXX XXXX from FAIR CREDIT REPORTING AGENCY SECTION 604, 605, 609 AND 611. To show you that I didnt make payments late. I was in XXXX and thank XXXX i had automatic payments. These companies are triffling because i wrote bith of them and all 3 credit agencies for FCRA SEC 604 605 609 611. NOT ONE OF ALL THOSE SENT ME THE LEGAL  DOCUMENTATION SHOWING ME THAT THEY ARE CORRECT. I KNOW I AM CORRECT BUT IF YOU GET IN FIGHT WITH BIG COMPANIES THEY SEEM TO NEVER BECOME WRONG. BUT THEM NOT SENDING ME 604 605 609 and 611 they have to takev9ff credit reportvand they havent.
Consumer complaint received 2020-10-12
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 credit bureaus are reporting inaccurate information on my credit report I contacted them to delete the information. The accounts are not mine and inaccurate im submitting a copy of the letter I sent to them
Consumer complaint received 2023-02-08
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$350.00}
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

I HAVE CONTACTED THE CREDITORS ON XX/XX/XXXX, AND THEY STATED THEY SOLD THE ACCOUNTS AND NO LONGER HAD MY ACCOUNTS. THEY ALSO STATED MY ACCOUNTS SHOWED ZERO BALANCES. THEY ALL HAD SIMILAR STORIES. I HAVE TRIED TO REMOVE THESE ACCOUNTS FROM THE THREE MAJOR CREDIT REPORTS AND ANY OTHER THAT MAY BE REPORTING FIRST REQUEST LETTER STARTING ON XXXX XXXX, XXXX, AND SECOND ON XX/XX/XXXX, THEY CAME BACK ONLY VERIFYING THE INFORMATION UPDATING THE DATES TO KEEP IT ON MY CREDIT REPORTS LONGER WITH IN CORRECT ACCOUNT NUMBERS, INCORRECT AMOUNTS OWED, INCORRECT COMPANIES OWED ETC. CREDIT BUREAUS REPORTING AMOUNTS ETC. THE DIRECT COMPANY AND ALL THREE CREDIT REPORTING AGENCIES WERE OF NO HELP TO ME AND THIS INFORMATION IS DAMAGING MY CREDIT FILES AND VIOLATING MY CONSUMER RIGHTS. I ASKED TO RECEIVE PHYSICAL DOCUMENTATIONS TO SUPPORT THE CREDIT BUREAUS FULL INVESTIGATIONS I ASKED FOR VERIFICATION BECAUSE MY CREDIT SCORES ARE IMPORTANT TO ME AND I DID NOT RECEIVE MY REQUESTS FROM ANY OF THEM. AGAIN, ALL DIRECT VIOLATIONS OF MY CONSUMERS RIGHTS AND FCRA.
Consumer complaint received 2020-08-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (LA)

i look on my credit report on XX/XX/XXXX and notice a collection from IC SYSTEM for a alleged debt of XXXX XXXX  that i do not owe, and on XX/XX/XXXX i sent them a letter asking for the required information concerning account number XX/XX/XXXX.I also attached a copy of the document below.
Consumer complaint received 2020-01-21
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. (NY)

transunion is still showing my score as XXXX when it should be the same as XXXX  at XXXX. XXXX has allegedly corrected their error and removed the entry from all of the credit bureaus, but the correction still has not been made to tansunion.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Early Warning Services, LLC (NJ)

Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear sir, I have received XXXX letters mailed by XXXX and XXXX emails from your company. XXXX of letters, prepared on XX/XX/year> and XX/XX/year>, indicate that I have requested the dispute. Along with an email sent on XX/XX/year>, I just can state as follows : I have received XXXX kinds of records regarding all my checking and saving accounts of all banks, which I have the accounts. Since the information are private financial information, I do not think the credit report company, like your company, do not have the right to investigate the banks, which are not your company at all. As I stated above, they are not credit cards information. Since I already asked each bank and in the records of FDIC, I believe it is beyond our understanding. 
Since I have not received similar record of XXXX XXXX, I asked your company how I can get it. That mean you must know how to get XXXX kinds of records, which I do not know what it is, especially on XXXX of XXXX records. 
Next, I do not remember whether I asked the dispute over my past closed account of XXXX XXXX XXXX. Since I closed it more than XXXX  years ago, I even do not remember the account number, which your company indicated ( XXXX ). Since it is closed long time ago, there were no record at all. I can ask same thing as XXXX XXXX  if you can show me XXXX records of this bank. It is fine, but I do not know how to do. And I am not sure whether I can ask XXXX XXXX XXXX. I need the advice. ( Dispute Case ID : XXXX, XXXX # XXXX ). 
XX/XX/XXXX email said : Please specify what is inaccurate or being disputed about the reporting of the key bank XXXX. XXXX XXXX  does not report to EWS, therefore we would not be able to provide any information regarding this Financial institution. 
I understand EWS will not provide any information regarding XXXX Financial institution to XXXX individual and I do not expect any Financial information, except my own banking financial information. I do not think any problem to dispute with my banking account of XXXX XXXX  as I can see XXXX of XXXX records of several banking account of some major banks. I just need many explanations over many records which I got for past XXXX year. 
Sincerely,
Consumer complaint received 2020-10-22
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. (PA)

XXXX bank and credit cards for military and veterans says i was late making payments. I was in XXXX. I had auotomatic payment and money was taken out of account. Right now they have said they are taking them iff but it has been a year. I am tired if companies that lie through there teeth. All is somebody needs to do is get credit report that shows not if paid or not but the credit reports that show money amount. I payed XXXX in XXXX and then they say i missed paymemt in XXXX. I havent missed a payment in 30 yearscwith any credit cards. Also XXXX XXXXXXXX says in XXXX i was late ine day on the last 3 payments. I can rememner what happened like yesterday but it would take 2 pages. I had automatic payments with them too. Why would you pay paymentdms on timevfor 69 months then all of a sudden with no changes on life or job make paymebt late one day. I was in military and got paid on XXXX. The only thing that happens is there is 31 days in some months. I called them and asked why credit score webt down after i paid my car off with every payment in time. They are finance company and they made reason up why my score went down. It went down because i didnt have different credit types. They didnt know it and i took classes on credit. They made the late payments up because they dont give their own finance team credit reporting classes. 

I want legal dovumentstion from XXXX XXXX and bank from FAIR CREDIT REPORTING AGENCY SECTION 604, 605, 609 AND 611.  To show you that I didnt make payments late. I was in XXXX and thank XXXX i had automatic payments. These companies are triffling because i wrote bith of them and all 3 credit agencies for FCRA SEC 604 605 609 611. NOT ONE OF ALL THOSE SENT ME THE LEGAL  DOCUMENTATION SHOWING ME THAT THEY ARE CORRECT. I KNOW I AM CORRECT BUT IF YOU GET IN FIGHT WITH BIG COMPANIES THEY SEEM TO NEVER BECOME WRONG. BUT THEM NOT SENDING ME 604 605 609 and 611 they have to takev9ff credit reportvand they havent.
Consumer complaint received 2020-09-06
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. (LA)

There are 4 account listed on my report. I have dispute these multiple times and these are not mine. I have XXXX and XXXX and have not had any procedure these don't cover. The original credit is showing credit bureau services I have no idea what this is
Consumer complaint received 2021-09-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (LA)

On XX/XX/XXXX I wrote a letter to the company requesting validation that bear my signature showing that the debt that the company is report on my credit report belong to me. I have not yet receive any communication from the company. The amount that the company claims is XXXX for XX/XX/XXXX. I didn't have an account nor did I open an account in XX/XX/XXXX.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXXXXXX XXXX  and credit cards for military and veterans says i was late making payments. I was in XXXX I had auotomatic payment and money was taken out of account. Right now they have said they are taking them iff but it has been a year. I am tired if companies that lie through there teeth. All is somebody needs to do is get credit report that shows not if paid or not but the credit reports that show money amount. I payed XXXX in XXXX and then they say i missed paymemt in XXXX. I havent missed a payment in 30 yearscwith any credit cards. Also XXXX XXXXXXXX says in XXXX i was late ine day on the last 3 payments. I can rememner what happened like yesterday but it would take 2 pages. I had automatic payments with them too. Why would you pay paymentdms on timevfor 69 months then all of a sudden with no changes on life or job make paymebt late one day. I was in military and got paid on XXXX. The only thing that happens is there is 31 days in some months. I called them and asked why credit score webt down after i paid my car off with every payment in time. They are finance company and they made reason up why my score went down. It went down because i didnt have different credit types. They didnt know it and i took classes on credit. They made the late payments up because they dont give their own finance team credit reporting classes. 

I want legal dovumentstion from XXXX XXXX and bank from FAIR CREDIT REPORTING AGENCY SECTION 604, 605, 609 AND 611.  To show you that I didnt make payments late. I was in XXXX and thank XXXX i had automatic payments. These companies are triffling because i wrote bith of them and all 3 credit agencies for FCRA SEC 604 605 609 611. NOT ONE OF ALL THOSE SENT ME THE LEGAL DOCUMENTATION SHOWING ME THAT THEY ARE CORRECT. I KNOW I AM CORRECT BUT IF YOU GET IN FIGHT WITH BIG COMPANIES THEY SEEM TO NEVER BECOME WRONG. BUT THEM NOT SENDING ME 604 605 609 and 611 they have to takev9ff credit reportvand they havent.
Consumer complaint received 2020-10-12
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. (NJ)

This account was open fraudulently a police report was sent in and they did not remove the fraud information. i am now trying to buy a home during this pandemic and they will give me no proof and will not remove this from my account