davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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. (SC)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MEDICAL XXXX MEDICAL XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-08-25
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. (PA)

This is ridiculous Experian is refusing to remove false information from my credit report from Impact receivable management I have not knowledge of this account, XXXX XXXX, XXXX Remove the accounts Except Experian I will hire a lawyer if I have to because I am being denied opportunities thats are hurting me when this account is not mine
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as i requested.
Consumer complaint received 2022-01-07
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. (CA)

I paid off a collection from XXXX XXXX XXXX in XXXX of 2021 with the express verbal agreement the collection would be removed from any and all credit reports. However over ten months have passed and the account continues to show on my credit reports with an unpaid balance.
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Multiple times ( no less than 5 times ) I have sent authorizations to this company for my wife, XXXX XXXX, to be able to speak with them about anything regarding my loan. Each time, they have ignored it - until a previous complaint when they responded that they now have it recorded and in their records that they may speak with my wife. When she called them today, they told her that they could not find any authorizations in their records. This is now appearing to be intentional on their part to not speak with the person I authorized. I have copies of e-mails stating that this was taken care of by them, but they are still not cooperating. I am on the XXXX all day long and the only person who can handle my questions and issues is my wife.
Consumer complaint received 2024-05-18
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX I made an online payment, via ACH withdrawal ; in the amount of {$800.00}. By XX/XX/XXXX, the payment was posted to my account but my credit available did not reflect the payment. My credit limit still showed it was {$2000.00}, so I knew they didn't decide to lower it. On XX/XX/XXXX I contacted Care Credits customer service. I was informed that " it happens all the time '' and that " due to the large payment amount, the payment was being held until it cleared my bank ''. I thought this was odd as I have made payment of {$1000.00} and the available credit reflected the payment within two or three business days. After I hung up, I researched their terms and Conditions in regards to payments made online. I found that in summary, it says that the payment will post to the account within XXXX  hours and that the available credit, subject to funds received from the bank, will increase within XXXX business days. There is no mention regarding payments being held due to them being " a large amount ''. On XX/XX/XXXX, I checked my account and the available credit still had not reflected the {$800.00} payment. I checked my bank and the payment cleared through them on the XXXX. I phoned customer service again to be told that because the payment was over {$500.00} it was being held until the XXXX. I confirmed with him that they did receive the funds on the XXXX. I informed him that I have made payments in the amount of {$1000.00} and the payment was not held. He reiterated that that was their policy to hold payment over {$500.00}. I informed him that that is not stated in their terms and conditions for online payments. Again he stated that that was their policy. I asked for a supervisor and he said he would get one but they will tell me the same thing. I was then connected to XXXX. I again told her I made the payment on the XXXX and it cleared my bank on the XXXX but it still didn't reflect in my available credit. She told me, just as the man told me ; that it was their policy to hold all payments over {$500.00}. I read to her their terms and conditions for online payments and asked her where I could find it, within their terms and conditions that it says that. She simply replied that it's the policy. I informed her that why is it I have to abide by their terms and conditions but that they don't. Again, she told me it was their policy. I told her they are breaking their contract with me since I had to agree to their terms and conditions but that they aren't. I asked her to email me, where in their terms and conditions ; it states that online payments over {$500.00} would be held. I said I want to see that in writing. She put me on hold for XXXX minutes and then the call disconnected. They also state that consumers will be notified if changes to their terms and conditions change. No notification has been sent and according to their site, it was last updated XXXX of XXXX
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: FinCo Services Inc DBA Current (GA)

I downloaded the wrong app. And tried to cancel it. The app needed my social security, and I.D the app is Current online banking and i just want to protect my social in case this is a scam.
Consumer complaint received 2020-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

Hello, on XX/XX/XXXX I received an MyFICO alert informing me a collections was added to my account. I immediately logged in to check. Its a collection thats being reported from AFNI for XXXX. Ive NEVER held an account with XXXX. I contacted XXXX  and they opened a dispute for me. I ALSO contacted AFNI asking what this collection was about and they couldnt answer me. I asked if they could provide me with a BILL and/or signed contract and the woman told me she couldnt locate one. If you cant locate a a signed contract, then what exactly are you holding me XXXX for? AFNI reported a {$200.00} collection a couple years ago, and I had it removed. So NOW, theyve added a NEW collection account and added {$200.00} to it. Thats unacceptable. Ive heard many stories about AFNI being reported in XXXX practices but this takes the cake. Theyve only reported it to ONE bureau, which is one of the major reasons I know this isnt accurate. Please assist me with ridding myself of the harassment and horrible collection practices of AFNI. This HAS to be illegal.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My Account from XXXX payment history was disputed in XX/XX/2017. The payment history was deleted due to inaccuracies in reporting. Equifax sent confirmation of the deletion but then re-reported it 6 months later and is refusing to delete it although I have written proof form Equifax of the deletion. This reapplication of this payment history was after Equifax erroneously split my credit file. Now they are refusing to restore it to correctness.
Consumer complaint received 2021-02-10
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. (GA)

I have sent XXXX, TransUnion and XXXX XXXX letters to clear up this account thats in error. But to no avail. This account has been re-aged because there are three different date last active? and only one bureaus has any payment history? 

This account is reporting errors that seem suspicious how can you have different date last active? and date of last payment when the account is supposed to be charged off? XXXX XXXX and or the credit bureaus are re-aging this account which is a violation of my rights. XXXX and transunion has been reporting this wrong information every month since I found out about this account which is horrible and I need to understand how they can do this to me?
Consumer complaint received 2020-08-27
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)

These are fraud, I didnt benefit, apply for, and authorize these accounts. I want them to be removed. 
XXXXXXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Consumer complaint received 2020-08-27
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I received an email today XX/XX/2020, from Capital One stating that they have decreased my credit limit from {$10000.00} to {$5000.00} because of my low utilization. I have always made my payments on time and pay off the balance each month. I contacted them to reinstate my original credit amount, and they refused to do it. This is going to negatively effect my credit score.
Consumer complaint received 2020-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

XXXX XXXX For my escrow account, Shellpoint Mortgage company has withdrawn excessive amounts of 3 tax disbursements and 2 insurance premium payments. 
For tax disbursements the city takes quarterly payments, not 3 city tax payments all at once. 
This needs to be corrected and the excessive amounts withdrawn returned to my escrow account.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

Re : Experian - Failure to UnFreeze Credit Profile Certain state agencies, with which my office is required to regularly works now run comparative security analysis of credit cards against my Experian profile. As a matter of security, that profile is generally frozen. Over the last couple of years, after a great deal of work, I have been able to access the " freeze '' of my profile and move forward with my work. This week, I have again been required to temporarily " unfreeze '' my profile. 

Experian has made this access and removal of the freeze virtually impossible. Their website is a warren of pages seeking to sell other credit services. When one finally finds the correct page to " unfreeze '', one is walked through an extended identification process. Even with the most careful and exacting input, the process leads to a dead-end page requiring written correspondence with Experian over and a very extended date of answer/resolution. Use of the extended resolution period would destroy my office 's ability to freeze/unfreeze my Experian report and thereby use my credit card use with several state agencies. All direct contacts ( phone and email ) referenced on the page produce NO IMMEDIATE MEANS OF RESOLUTION. 

As EXPERIAN has, in its actions, created a system whereby I am denied certain credit ( even though my credit score is in the top 1 % of those in the country ). Further, they have created a system under which the " freeze/unfreeze '' consumer benefit has essentially been eliminated. They should be immediately be sanctioned and required to simplify their process. 

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This company has not answered my question in the least bit. I have supplied all the necessary information on the companies that have placed inquires on my report, they have refused, neglected to supply me with the documentation from these companies that they claim to have submitted to them ( Transunion, XXXX, XXXX ) to verified that their claims are true. Each time I request this information they keep brushing me off and just update these false claims on my report. I want proof of applications submitted by me to these companies for credit that way if there is any such documents then my information has been compromised. If they can not product documents to this effect not only do they need to remove their inquires but I need to file further claims because of the breach of my information. Also each time I file a complaint not only do not furnish proof of verification they just update the status of the item I am disputing.
Consumer complaint received 2020-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

More than two times, TransUnion consumer relations reported adverse and misleading information to lenders I have applied for credit to. I applied for credit in XXXX between XX/XX/XXXX to XX/XX/XXXX from three different lenders and all were denied for very different, non-factual, and unrelated reasons reported by TransUnion. The first incident was disapproval for XXXX Credit Card for no credit history, then XXXX XXXX for invalid, missing credit score. An application submitted to XXXX XXXX XXXX XXXX was delayed for the reason that there were a freeze on my credit report and score on my TransUnion account, which was not true and I had never placed such actions on my credit reporting access. Each time I contacted TransUnion for these issues they stated the opposite facts. The reporting of credit from the XXXX other major credit report bureaus ( XXXX and XXXX ) were all fair and positive during the same time frame.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (MD)

Dear CFPB Repr. 
I believe Citi Bank is involved in misleading customers about paying off promo balances. Couple weeks ago I made {$3000.00} payment that should have been gone towards my upcoming high rate balance transfer that was expiring in three day and now is charging me 19.9 % instead they applied that time 0.99 % balance that is expiring next year. 
I believe this very unfair practice and wonder if it is even legal. Please let me know. 
XXXX XXXX
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PHH Mortgage Services Corporation (NJ)

PHH Mortgage Service with account number XXXX  is reporting my account on XXXX  as Foreclosure proceedings started as of XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

But then they also list the account as 180 days past due as of XX/XX/XXXXXX/XX/XXXX6, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX toXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX to XX/XX/XXXX

This is not accurate. They are listing foreclosure proceedings and then 180 days late in the same months.
Consumer complaint received 2018-07-08
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. (TX)

I ordered my credit reports from all 3 reporting agencies in XX/XX/2018. I noticed a host of errors or some items I had no clue where they even came from. I began sending the reporting agencies letters to understand what and who were these companies reporting these items on my reports. As, I started the process the other two agencies would reply with deletions on a monthly bases. Although EQUIFAX, from XX/XX/XXXX to present would reply saying most of the items were verified and had been updated or modified. At this point I called the other agencies and asked how does one remove a item and the other updates it? the rep. explained an situation about some system that they used and told me to called and speak to someone from that agency it should be an easy fix. Never the less I spoke to two reps. and this matter was pushed back to me to call the companies and fix this problem. I have sent ALL on the collection agencies letters asking for verification and Assignment of the debt and NEVER received replies back from NONE OF THEM as to ASSIGNMENT AND MEDICAL HIPPA RELEASES. And the 1st item which is my car payment it says this account is closed with a XXXX balance. When in fact this account is current. I called and spoke to a rep. and he replied that I would have to call them and have them to update that information. Now, with all of this being said how can I, as a consumer trust this agency truly does investigations when for a FACT they on reply that the item has been verified or updated. I also asked another rep. on a different date asking her about accounts that are closed but still are reporting a negative balance, she replied I have to call them or send a letter. agent XXXX or XXXX.If your reporting this information WHY do I have to do there job to make sure its correct. WHY? When this company ( EQUIFAX ) has had more security breeches than any other agency and as a consumer puts all of the burden of proof on us as a whole. I have had companies to put my reports and denied my because of the collection filed. ( ALSO in PDF ). I also, question this agency on all items must be 100 % accurate? If I, send proof that it has been deleted from other reports. Wouldn't that make the item listed on EQUIFAX in accurate? Can you please give me some clarity on if the information in NOT the same one all reports? NOTE Equifax is the only agency that this doesn't seem this matter. Again, with all the breeches maybe Equifax should work with consumers to resolve these issues oppose to using some software to investigate the information.
Consumer complaint received 2017-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

Note : My name is XXXX XXXX XXXX not XXXX XXXX that was used to open these two fraud accounts When I became aware if these two fraud credit cards I contacted XXXX XXXX XXXX and was referred to LVNV Funding LLC, I contacted LVNV Funding LLC Twice disputing these fraud accounts, I requested that LVNV Funding LLC supply me with copies of the applications that were submitted for the credit cards listed above to verify these two accounts, along with a copy of the sales contract from XXXX XXXX XXXX and LVNV Funding LLC, LVNV Funding LLC can not produce the applications for credit in my name XXXX XXXX XXXX nor can they supply a copy of the contract between XXXX XXXX XXXX and LVNV Funding LLC to verify that both accounts are valid and that they own the two fraud credit card accounts. As of this date XX/XX/2017 LVNV Funding LLC is still reporting False and incorrect information pertaining to both fraud credit card accounts to all of the credit reporting agencies. Fraud/Identity Theft report has been made to my local police department # XXXX and also made to the Federal Trade Commission FTC report # XXXX
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Santander Consumer USA Holdings Inc. (AL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.