davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-21
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. (CA)

Notified Transunion of accounts that were opened fraudulently or opened and charged fraudulently after I closed the accounts. One account was a XXXX XXXX card that I opened and paid for years regularly on and never missed a payment. I stopped using the card and it was stolen and used fraudulently for goods and services I did not receive or benefit from. I did not know that the card was being used or that it had been charged off after I stopped using it until I check my credit report. The card had a XXXX  balance and should not have been closed as derogatory or with a {$950.00} balance. I sent a noticed copy of the FTC report highlighting the fraudulent use of this card and the fraudulent opening of a XXXX XXXX credit card that I also stopped using but did not close. It was also charged fraudulently and closed as a derogatory account with and outstanding balance. This card should have a XXXX balance and be in good standing. Transunion failed to remove the fraudulent information or take care of it per the FTC guidelines and will not remove the accounts even with the FTC report, police report and noticed copy of all my information. This is a violation of my rights and a failure on the part of Transunion to report accurate l, correct and valid information. The information it is reporting is hurting my ability to use my credit and they are clearly violating my rights. I have requested the information be corrected and deleted or reported as it was before the fraudulent activity. They have failed to do so
Consumer complaint received 2019-10-28
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. (CO)

ALL THREE CREDIT BUREAUS ARE STILL PUTTING FRAUD ALERTS ON MY CREDIT REPORT WITHOUT MY PERMISSION. 

IT SEEMS EXPERIAN IS THE ONE INITIATING THIS AND THEN TELLING THE OTHER BUREAUS TO FOLLOW THEIR LEAD.

THIS IS ILLEGAL, I HAVE NOT REQUESTED THAT ANY FRAUD ALERT BE PUT ON MY CREDIT FILE.

I CHALLENGE THEM ON THE FCRA SECTION 609 TO REMOVE NEGATIVE REMARKS, STATEMENTS AND CREDIT INQUIRIES THAT WERE SUPPOSED TO BE SOFT PULLS AND NOT HARD PULLS AND THESE BUREAUS TRY TO SLIDE PAST THE LAW AND PUT THESE BOGUS FRAUD ALERTS ON MY FILES TO JUSTIFY THEIR ILLEGAL ACTIVITIES. 

NO NEGATIVE REMARKS SHOULD BE ON ANY OF MY OPEN OR CLOSED ACCOUNTS. NO REMARKS STATING THAT CONSUMER DISAGREES, REINVESTIGATION IN PROGRESS, NOTHING THAT SAYS CONSUMER DISPUTES AS I AM AT THIS TIME NOT DISPUTING ANYTHING AND THESE REMARKS AND THESE FRAUD ALERTS ARE BEING PLACED ON MY FILES WITHOUT MY PERMISSION AND ARE AGAINST THE LAW.
Consumer complaint received 2019-10-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (CO)

This account is identified as being with a bankruptcy. The bankruptcy was dismissed. You need to take off this Bankruptcy from my record to make sure that I don't need to comply with my personal legal rights according to 15 USC Section 1681n or 1681o, which needs your conformity utilizing the law.
Consumer complaint received 2017-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

JP Morgan Chase bank, buys it 's customers credit report sin order to sell them loan rates, and justifies doing so by using the information on those publicly available reports as " security questions '' on your accounts. It makes them unsecure, and when presented with my displeasure, they basically told me they could not set up alternate security.
Consumer complaint received 2017-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peerless Credit Services Inc (PA)

On multiple occasions, we have been harassed by Peerless Credit Services for a debt that belongs to my ex wife. <P/>The most recent incident was on X/XX/2017 around XXXX. Upon receiving the bill for XXXX XXXX, Acct # XXXX, I contacted Peerless Credit Services to  provide them with contact information for XXXX XXXX. During these conversations, they refused to take her information, stating that this is my debt, when it is not. The Peerless folks hung up on us numerous times and have yet to take the address and phone number of the responsible party. <P/>This is the 3rd month in a row we have attempted to resolve this with them.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

Citi card gave each year reward on XXXX. 2021, did not receive any reward. I caaled and I send them latter and I answer them about why i keep their money. 
Citi card owe me more then {$1000.00}. when I ask where is my reward, they ignoring me. for 3 months. but they keep asking me your payment is du. 
I XXXX XXXX USED THE CARD. BY MY NAME IS ON THE VISA CARD. 
XXXX XXXX ask for his reward.
Consumer complaint received 2019-10-28
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)

Equifax Is reporting a XXXX account as a charge off and a XXXX auto loan and XXXX credit card and credit first accounts even though they are fraudulent also XXXX is reporting a fraudulent XXXX credit card and same with XXXX
Consumer complaint received 2019-10-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (MA)

I had transferred {$600.00} from my checking account on XX/XX/XXXX and was told that the money was available that day. I informed the receiver that the money was available. When he went to collect the money, it was not there. On XX/XX/XXXX the money was taken from my account. I called on XX/XX/XXXX and XX/XX/XXXX and was told that the bank was holding the funds. Not once was there an explanation of how to open a case. On XX/XX/XXXX I opened a case and was told I should get an answer between 24-48 hours. I called on XX/XX/XXXX and was told it would take another 24-48 hours. I called again today for a status and was told that it would take another 24-48 hours. The funds are missing and their customer service is deplorable.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Report # XXXX XX/XX/XXXX Information on Former or Current Employers missing or current Employers not showing. I have uploaded a current XXXX from 2 Employers as proof. 1 not showing and others missing in the past correct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Current since XXXX XXXX XXXX  XXXX Current XXXX XXXX XXXX Current XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX XXXX Past XXXX  XXXX XXXX Past XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX Past Position : XXXX XXXX
Consumer complaint received 2021-09-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

Creditor is clearly breaking the law by noncompliance or responses after stating the account was disputed XX/XX/XXXX. Creditor has failed to provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. I informed the creditor that if no proof is provided within 14 days from the receipt of this notice the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. This creditor has failed to provide the proper legal documents and is well beyond the allowed XXXX notice to show such documents, given by the FDCPA. I demand the creditor remove the invalid claim from my credit report immediately or I would like to consider to begin litigation immediately. XXXX PA XXXX and state R ISA and MVISA STATUES THE DEFICIENCY CAN NOT BE CLAIMED UNLESS ALL OF THR REQUIRED notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. creditor has failed and his now 90 days with no response delete immediately .THANK YOU
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (TX)

Dear Consumer Financial Protection Agency ; I am emailing you regarding a problem that i have with Mercedes Benz Financial Services, The problem started in XX/XX/XXXX when I decided to pay off my vehicle because I was in the process of buying a house ( my kids school was rezoned and they will be attending a not so good school because of that so we decided to move to another neighborhood with better school ) which I cant do anymore because Mercedes financial reported late payment to the credit bureaus which dropped my credit score to low XXXX. Mercedes claim that i was late on my payment in XX/XX/XXXX, however i did mail them a cashier check back in XX/XX/XXXX, unfortunately i only wrote the last six digits of the Vin number on the cashier check when i called them two days later to make sure they received the check they informed me that they cant locate it and to give it few more days. A week later i mailed them a copy of the cashier check and XXXX receipt, finally after two weeks they were able to locate the check but by then we were in XX/XX/XXXX already and they informed me that i will have to send another cashier check, at that point I asked them to please not to report it to the credit bureaus as a late payment considering that they did n't wan na overnight me the first cashier check and I had to wait a week before I received it. When I received back the cashier check we were in XX/XX/XXXXalready and at that point i decided to wire transfer them the money instead of mail to make sure that wont refuse it again. Because of that now I have low credit score and I cant buy the house that I wanted for my kids so they can attend a good school. Its sad that I have a late payment on my credit report considering that the vehicle is paid off and I really did mail them a check in XX/XX/XXXX and i begged them back then not to report it since now i have to wait for them to mail me my check back before I can do another one. When I asked them not to report back in XX/XX/XXXX they did inform me that it gets done automatically but they told me not to worry because once they receive the other check they will take it off!! when i called them today they said they cant take it off because a third party does the reporting and they do n't even have a phone number where I can reach them
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I have previously requested that the charge-off accounts on my Equifax Credit Report from XXXX XXXX XXXX XXXX to be removed and blocked and or deleted because the account was opened fraudulently. Equifax has stated that XXXX XXXX XXXX XXXX has verified that the account is mine and it belongs to me. I have the email directly from XXXX XXXX XXXX XXXX and his name is XXXX XXXX stating on Friday XXXX/XXXX/XXXX that he has requested that the items are to be deleted from my credit report. But, Equifax as of Monday XXXX/XXXX/XXXX states that they verified that the accounts are mine and there should be no deletion. Once again Equifax continues to report information on my credit report that it should n't which is a direct and blatant violation of my rights. This information has been hendering my credit and I have been penalized over and over because the information that they are reporting is wrong!!
Consumer complaint received 2017-09-13
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. (WA)

Experian XXXX/XXXX/XXXX {$11.00} nothing they could do about the fee. 
XXXX XXXX/XXXX/XXXX {$10.00} plus tax it has n't hit my account yet. Nothing they could do about the fee. 

My Identity is compromised in the XXXX security breach. Due to this I had to lock down all of my credit bureau. I think it is highly unethical to charge a fee to lock down bureau accounts under this situation.
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (CA)

I have submitted for the third time a fraud report to Experian and today I faxed over to them a completed police report. 

Experian has not removed the XXXX  XXXX account from my credit report. 

XXXX XXXXXXXX XXXX XXXX account number XXXX I forwarded to Experian all that they requested that I do.
Consumer complaint received 2022-01-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Chrysalis Holdings LLC (TN)

I have paid my home mortgage in full, I received a letter saying that it is paid in full, on XX/XX/2021. Later in the month I received a phone call stating I still owed {$150.00}, because I had to stop payment on a check. I asked if the {$150.00} would take care of everything. I was told it would be a XXXX XXXX. Next I received a Partial Claim Agreement to be notarized and returned to New Day, for a Hardship Loan. I called the number XXXX, someone stated I owed {$30.00} fee. I questioned that because I was told, the {$150.00} was all that was outstanding. 
I asked to speak to a supervisor, but was not allowed to speak to anyone. 
I called back later in the afternoon, spoke to XXXX XXXX. She said she considered the loan paid off, I had a letter stating that and to disregard the Partial Claim Agreement. 
After that a XXXX XXXX called about the Partial Claim Agreement, about mistakes that may have been in the agreement, something to do with VA loans. I did not understand what he was talking about or why I received the Partial Claim Agreement, since I considered my loan to be paid in full. 
I called New Day to follow up with someone, I talked to XXXX XXXX XXXX, she again stated there was a {$30.00} outstanding fee. I would pay the fee if that was the only thing owed. She put me with XXXX XXXX XXXX to pay the {$30.00} fee. I was not able to pay the fee. XXXX XXXX XXXX, New Day, I. XXXX XXXX XXXX, phone number XXXX. He confirmed that I tried to pay the fee of {$30.00}, but was not allowed too.
Consumer complaint received 2017-11-16
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: NAVY FEDERAL CREDIT UNION (GA)

I called XXXX to try and get XXXX hard inquiry off my credit report. They told me they was n't able to help me. I explain that I hard to hard inquiry that was 2 years old. Gave  them dates on both. XXXX inquiry was XXXX on XX/XX/XXXX. XXXX inquiry was XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Sent  certified letters with signature required to credit reporting agency Equifax, received and signed for on   XX/XX/XXXX     @   XXXX  . This was for request of validation of said debt. Company response was " This item has been updated to report satisfied/released. '' Company did not mark disputed on reports according to Federal Law FCRA  623  ( A ) ( C ).
Consumer complaint received 2017-12-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: DLC, LLC (CA)

Since DLC did not respond to my complaint instead they just responded to what they wanted to say and not address any of the issues. I have attached what would be considered a payment every 30 day and for past weeks have tried to pay online but it will not accept payment now unless it is XXXX 1st if they are saying make a payment every 30 days and XXXX XXXX was last payment and I have been trying to pay online since they have never sent me a statement so I could mail in a payment if there online was not going to work. 2nd. XXXX XXXX then would be 30 day due and you can not report over 30days late until 30 days after XXXX XXXX which would XXXX/XXXX/XXXX and that is the law. Since trying to pay on line for 2 weeks now account would only be 14-16 days and you can not report 30 days late so that is in itself not following the law and I will be sending your statement on that to XXXX as well as proof. 3rd I will make a payment every 30days no problem but if you do not allow me to pay online and I never receive a bill or statement to make a payment by mail then what do you expect I have also attached the 2 screen shots I took yesterday again trying to pay online which you ignore.
Consumer complaint received 2017-07-10
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. (NY)

I disputed inaccurate information and requested that they look for fraud or identity theft. They did nothing. I asked for them to send me documentation of the contracts with the merchant that reported the negative items and they still did nothing. This company is blatantly avoiding following the law and the negative items they report in error should be removed immediately. Delete these items for lack of verification and or fraudulent since you can not verify. XXXX card Account Number : XXXX XXXX card Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Unverified, Inaccurate or Not Mine XXXX XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine
Consumer complaint received 2021-04-21
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: WAKEFIELD & ASSOCIATES, INC. (GA)

As stated in the HIPAA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. I would like this be taken out of my credit report immediately. I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I will also seek damages from you if warranted.
Consumer complaint received 2019-10-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX my husband ( now ex-husband ) stopped paying for our house as he filed for divorce. At the time, President Obama introduced the Home Affordable Modification Program. Our kids ages were ( XXXX, XXXX, XXXX, XXXX ). One of the key stipulations to qualify for this program was going through a divorce. Since XX/XX/XXXX through XX/XX/XXXX I sent numerous applications and exchanged hundreds of emails with Citi mortgage to qualify for this program. They repeatedly requested the same documents ( see email with XXXX XXXX ), and every time I completed the forms and submitted the documents. There was never a clear response on the status quo. XX/XX/XXXX, I transferred my college credit hours to XXXX University and completed my XXXX  degree on XX/XX/XXXX. I acquired a full time position to start paying for the house. I saved every penny and told them I can start paying on the arrears, and they never gave me permission. XX/XX/XXXX I found out they sold my mortgage to another lender, and the lender told me they never participated in the bail out money thus I don't qualify for the HAMP program. We were devastated, and my realtor suggested that I sell the house in a short sale before they evict us. We sold the property at XXXX and within 8 months the owner sold it for XXXX. I feel Citi mortgage cheated us out of our home. Hard earned money that we invested into this home, was taken away from us. On XX/XX/XXXX we arrived through a sponsorship and we worked very hard to acquire this home. We came to this country legally, and earned citizenship through the proper channels. My children and I are unable to acquire a home in our neighborhood due to high prices. I am requesting that Citi Mortgage refund our house at the value they took from us. It is our right to own the home we worked so hard for 14 years. 

CitiMortgage, Inc. Loan # : XXXX Customer Research Team XXXX XXXX XXXX XXXX , MD XXXX Contact Person : XXXX XXXX ( XXXX )
Consumer complaint received 2019-10-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prosper Marketplace, Inc. (GA)

XXXX XXXX XXXX, XXXX, WA. 

A XXXX XXXX called intimating that we were late on a payment, which is not the case. She had no clue as to terms of the settlement their firm was handling for a third party lender. She was down right insulting, full of inaccuracies and just wrong. 

I asked to speak with here supervisor. XXXX XXXX ( sic ) stated this person should not have called even though they sit right next to each other. She is new, was the response! I asked about training, policies, procedures and internal controls. She had no response. 

I asked XXXX to speak to her supervisor, XXXX XXXX ( sic ) an attorney with the firm. Not in office, left a voice mail. 

This firm is not in control of its personnel and to be contacted like this is just wrong. 

If we consumers don't speak out, reforms inside firms like this may not take place. 

Not sure if you have had complaints with this firm previously, but something is not right with this firm.