davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-02-04
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX 2-Date of inquiry XX/XX/XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-06-01
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XXXX  Report USAA Account XXXX reported by usaa as Certifed Accurrate XX/XX/XXXX. ERRORS : 1 ) THIS IS NOT MY ACCOUNT See statement MC end XXXX XX/XX/XXXX. 2 ) Clearly as reported THIS DID NOT CLOSE XX/XX/XXXX and has a different account # 3 ) See USAA Account XXXX Opened XX/XX/XXXX THIS WAS OPENED FRAUDULENTLY REPORTED AS ID THEFT case XXXX in XXXX & CLOSED XX/XX/XXXX *THIS IS NOT MY ACCOUNT. I DEMAND XXXX  DELETE THESE ACCOUNTS OR PROVIDE DRS LICENSE AND ORIGINAL WRITTEN SIGNATURE TO VERIFY.
Consumer complaint received 2022-02-04
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. (MI)

I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$6900.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX : {$1800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2015-06-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (TX)

We are very tired of receiving automated calls from Focus Receivables Management caller ID number XXXX. The recording gives no information as to who the call is addressing or anything about the debt. We have no debts in collections. We make all necessary payments on time. They have the wrong number. Please help me make them stop calling!!!!!!!
Consumer complaint received 2015-07-29
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I had a CD account with Citibank that is now closed. The account was closed approximately XX/XX/XXXX or thereabouts. A Citibank counter check or cashier 's check was issued on XX/XX/XXXX and cashed a couple days later XX/XX/XXXX. The payee was myself. However, I myself was not present at the Citibank branch on either of those days, nor did I authorize anyone else to close the account. ( I just found out about this fraud in XX/XX/XXXX when I went in to check on my CD account. ) Now that I am disputing the check, Citibank Manager is telling me the check is a fraudulent check which they trace back to a Delaware account for multiple fraud issue cashier check and I never had a account with them. Bank manager is telling me they can not locate any information or account number under my name or social security number. Unfortunately, I do not have the account number but I do have letter stating amount deposit along with letter stating when CD account will mature. However, because I do not have an account number and there 's no record showing up for an account under my name Citibank does not want to do anything for me. The challenge in this case is time, the account was closed in XX/XX/XXXX and it is now XX/XX/XXXX they 're telling me their record does not go that far back because it has been purged, not only that, there was never an account open under my name or social security number. Also, the branch I deposited the money at has been shut down, therefore, I had to go to a different branch location. I have try everything from calling customer service to talking to branch manager to filing an " affidavit of forgery '' with no luck. Now I am stuck with filing a police report and waiting to see what happen with my case. I believe this is some sort of fraud within Citibank employee because I know I deposited money into a CD account with Citibank itself.
Consumer complaint received 2017-05-22
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. (IL)

I have disputed an ac count, held by the U.S. Department of Education, being rep orted on my  XXXX  and Experian credit reports multiple times ( mostly recently on   XX/XX/XXXX  )   without result or proper explanation as to how and why the account continues to be reported. I also disputed the information directly with the  U.S. Department of Education  on    XX/XX/XXXX      and as of this writing,   XX/XX/XXXX   ( more than 30 days later ), I have received no response.     The reports do NOT state the 'Date of First Delinquency ' or 'Date of Default ' on this account, which is required if it is to be listed at all on my credit report. In fact, the 'Date Opened ' is listed a s  XX/XX/XXXX , but  the  'Date First Reported '  is listed as   XX/XX/XXXX , a nd at that time they claim the account was already in collection status. Neither the   U.S. Department of Education   nor  XXXX  or Experian have provided me with the 'Date of Default ; ' therefore, this account has not been proven to be mine, nor should it be listed on my credit reports.
Consumer complaint received 2015-08-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

My mortgage loan was paid in full on XX/XX/XXXX by cashier check. As of XX/XX/XXXX i have not received my title. I did receive a letter from Ocwen Servicing that the loan was satisfied. I need help getting my title.
Consumer complaint received 2015-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of identity theft and theres hard inquiries that are not mines and i been calling all the credit companys for them to take it out to take it of my credit and no body take it out so i need to take it out and asking or ur help because this situation is affecting my credit and there are n't mines thanks any information you need you contac me by email XXXXXXXXXXXX thanks
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (WI)

This card is issued to me as a secure way for child support to be deposited onto a debit card for the state of Wisconsin. For reasons unknown, the card is no longer working and is declining despite their being money in the account and available on the card. When I called into the customer service number, and enter my card information - an automated system states the following " You have an important message '' and transfers me to EPPICard Customer Service. I have not recieved any sort of email, letter mail, or correspondence from this company in regards to the " important message. '' I have tried calling into this agency numerous times and can never get through. Today, I was on hold for two and a half hours and was finally transferred to a representative who answered and then disconnected the call. It is important to note that I had the phone to my ear and was at home therefore cell phone service was not an issue. I have been trying to  make contact with this company for over a month now and to no avail therefore I am not receiving my child support. I am at my wits end and can not get through to a person to speak to in regards to the issues I am having with this debit card. I don't know what else a person is supposed to do to attempt to make contact with a company about the issues or how long my child has to go without the support that he needs. This company is a scam and is taking advantage of the states that choose to use their service.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I've contacted the Credit Reporting Agencies several times both via phone and mail to see why discharged accounts are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT. 

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility or reporting maximum accuracy to my consumer profile. 

These inaccurate accounts being reported are severely impacting my ability to obtain credit.
Consumer complaint received 2021-02-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Granite Edvance Corporation (CA)

I had 4 private loans from lenders ( XXXX  and XXXX ) serviced via XXXX company and I started my residency training in XX/XX/2020 and I submitted my residency verification documents in XX/XX/2020, however they kept denying my residency verification and default my loans in forbearance and keep default my loans into debt collection with delay payment fees and increased my loan interested rate. I kept trying to call them to resolve this issue and every time I received a reassurance that it will be fixed but they never have it resolved. In turned they kept asking me to submit an updated residency verification and more documents while I try my best to do it in time manner. This process delay for months while I still pay them monthly payment of minimal {$100.00} per month for each account. 

Please help!
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX  and XXXX  Credit Bureaus failed to comply with XXXX Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-09-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

Good afternoon, I have XXXX credit score from all three reporting bureaus. Equifax on XX/XX/2021 dropped my credit scores to XXXX. I called XXXX  and XXXX  and they explained to me that there was no changes in my information. I do not have a collections, late payment, bankruptcy, or court decision. 

I went into Equifax to see the reason for the drop of XXXX points and there was none. All the information i had with them prior to dropping my score form XXXX to XXXX are the same. I tried to submit a dispute and the system would not let me. 

I called the agency on XX/XX/2021 at XXXX XXXX. The staff told me that they are no able to tell me the reason why they drop my score. I tried to explain to them that they can not randomly drop people 's score without being able to give the reason behind such action. 

I was not able to get any explanation why Equifax drop my score by XXXX points. I still have a FiCO score of XXXX with XXXX  and XXXX with XXXX. But, I can not get information about my credit score with Equifax. I know by law, you can not drop someone's without providing why it was dropped and I was not able to get any information form them. 

Thanks in advance for helping understand why they drop my score.
Consumer complaint received 2016-08-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

My mortgage company Ocwen offered me a trial plan XX/XX/2013 under the HAMP program. I made all the trial payments, then made additional payments at the trial plan amount. They told me the modification was being generated. Then they told me the modification was denied and that I had to apply again. They did not give me a reason why the modification was denied. Now they are denying me saying that the investor does n't participate in HAMP. They refuse to give me any proof that my investor does not participate.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I've contacted the Credit Reporting Agencies several times both via phone and mail to see why discharged accounts are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT. 

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility or reporting maximum accuracy to my consumer profile. 

These inaccurate accounts being reported are severely impacting my ability to obtain credit.
Consumer complaint received 2016-10-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hollis Cobb Associates (GA)

I was a XXXX. My care for the procedure is the responsibility of the recipients insurance. XXXX XXXX XXXX errored in filing the insurance claim against my insurance. They have refused to correct the insurance filing. XXXX XXXX XXXX, XXXX XXXX paid the errant claim. Neither XXXX, XXXX XXXX XXXX nor XXXX XXXX XXXX, XXXX XXXX will / has assisted to get the claim corrected. I have continued to challenge this billing for more than 2 years with no resolution. The account has been referred to XXXX ( bill collection ). I need some assistance mediating the claim. XXXX XXXX XXXX will not intervene or confirm that my XXXX XXXX XXXX care is the responsibility of the XXXX recipient. XXXX XXXX XXXX, XXXX XXXX ca n't know that the claim filed is improper. Visiting Nurse has not acknowledged that my care was part of a living organ donation and asserts the claim was filed appropriately. I am in the middle of XXXX parties who basically are turning their backs on me and not participating in a resolution.
Consumer complaint received 2015-12-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

CIT Bank transferred Loan # XXXX but I do not Know to whom it went toI have not Received any information .Who is the New Servicer? 
Was ONEWEST Servicer? 
Was CIT Bank N.A. Servicer? 
What was Transferred? 
How Much was Transferred? 
What Type of Loan was this? 
I have Reached out to ONEWEST Bank and they have Refused to answer.
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC (MI)

I previously leased merchandise through XXXX XXXX XXXX XXXX  via our local XXXX store. When the store announced they were permanently closing, I went into the store and paid off the remainder of my lease in XX/XX/XXXX. It wasnt until XXXX when I discovered there was a balance owed placed in my credit report. I reached out to the original creditor, XXXX XXXX XXXX to no resolve. They told me I needed to send them receipts as proof. Why would I still have receipts years later?! This account was then sold to security credit services. Ive previously reached out to them as well with no resolve. I have disputed this charge multiple times yet it is still showing as bad debt on XXXX and XXXX ( was removed from XXXX in XXXX ). Ive paid this debt already!
Consumer complaint received 2022-07-20
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-20
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. (CA)

Pursuant to 15 USC 1666b ; a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave You, Transunion, OR XXXX, XXXX XXXX, or XXXXXXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Transunion has caused severe stress and XXXX due to the abusive and unfair practices.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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.