davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am not aware of this XXXX XXXX XXXX XXXX XXXX , XXXX balance. I have never seen anything dealing with this lender. Also, I have been threated that in 30 days they will seek to make a judgement on debt that does not belong to me. I understand that they are looking to offer me a settlement. However, I do not believe the validity of such debt accusation. Furthermore, I will not be limited to the action of court threats when I did not receive any notice of debt based on communication. The amount is {$880.00} from MBNA which was acquired by Bank of America in 2006. I do not claim debt.
Consumer complaint received 2024-02-20
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. (NY)

XXXX XXXX and Transunion have violated my rights by using in accurate and inconsistent information across the 3 bureaus. From dates open to incorrect balances nothing is making sense, and I am asking that all accounts be deleted .According to the consumer financial protection bureau and by law the fair credit act 15 U.S.C . Sec. 1681i ( a ). That if you can't provide proof and if the information is inaccurate, these accounts must be deleted.
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Upon checking my XXXX, Transunion, XXXX reports I found inaccurate and unauthorized inquiries. I have sent out dispute letters to aforementioned bureaus for them to investigate and have deleted. Please advise.
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (TX)

I have contacted Equifax via phone and mail and advised that there is fraudulent activity on my account. I have been asked to send documents supporting my identity which I have done several times and I havent gotten any response via mail from Equifax in regards to this issue. I have sent a letter regarding an address that doesnt belong to me, inquires I have no knowledge of along with collection accounts that have never been associated with me. Equifax has yet to respond to me via mail regarding a resolution. I was asked by phone to mail documents which I have done numerous times.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MO)

XX/XX/XXXX I filed Chapter XXXX bankruptcy. I was not late or delinquent on any of my accounts during this month. I was actually only late on 2 accounts in the past 7 years. JCP reported my account negative XX/XX/XXXX, the month I filed Chapter XXXX. 

I filed a dispute through XXXX  and they changed my highest balance to {$0.00} and changed my late payment date from XX/XX/XXXX to XX/XX/XXXX( this part is accurate ) but left the negative mark on XX/XX/XXXX. 

This is showing as a negative account on my credit report and is absolutely not correct I was not late/negative/delinquent at all in XX/XX/XXXX and it should not be reporting negative. 

My reports do show " Debt included in or discharged through bankruptcy chapter XXXX, XXXX, or XXXX '' however the negative reporting on any months where there was no late payment made should be removed. 

I am attaching copy of my credit report for XXXX/JCP to show what I mean by negative payment history.
Consumer complaint received 2017-09-13
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. (MA)

Experian, i submitted a complaint, in XXXX due to experian social account ws hacked, in XXXX, social securiy account # ws hacked, i filed a complaint earler with the cfsb, this year again due to many discrepancies, with experian, crooked credit agency, they sent me a credit pooor XXXX, mine shoule be XXXX, i am still protesting and want my credit score increased immediately, this has cased ma a, late retirement and also high interest rates on a leased vehicle i purchased in XXXX..Please review again and Issue restaints.Thank you XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, ma. XXXX
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute the presence of a Collection account on my credit report. After reviewing my credit report, I have identified an account that I believe to be fraudulent XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-11-17
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: Experian Information Solutions Inc. (VA)

I have contacted all three bureaus for the past 5 months in reference to several fraudulent request for credit that showed up on my credit report in the inquiry field. There are over XXXX inquiries within this 5 month span and this was not authorized by me the consumer. I have called them numerous times, i have filed a police report, i have submitted documentation and letters to them advising the information was fraudulently requested with my personal information after my identity was compromised. 

My entire credit file with Experian was compromised and was showing up with me as being XXXX. XXXX had many security breaches and this bureau was assessed along with XXXX. 

With all the security breaches with the bureaus, you would think their customer service would have improved but nothing has occurred at all. 

I need some assistance in this matter as it negatively affecting my credit file. I have a fraud alert on my credit file, a credit freeze, and regularly visit the sites to see if anything has happened. 

Please provide some assistance in this matter. 

Thank you
Consumer complaint received 2018-01-27
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. (LA)

The original financing was, between and my husband at divorce, the judge award the property and declared that, My ex-husband was responsible for the mortgage and he had full ownership of the property. My credit report states, that the original payment was paid off 100 %, but, I received a letter, asking if I would like to keep the property. I just need to bring the note current. The credit report, also states that the account was a charge off and that a dispute was filed by the grantor ( s ) XXXX XXXX   and resolved by the grantor ( s ) XXXX XXXX.It is hard to do a investigation, without all parties being involved. I never opened a investigation. And now, I received a call stating the property was being sold, to the highest bidder. 


I have a mortgage reporting information, that is not accurate and the credit bureaus are reporting information, that has been verified. The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to reporting and have incorrect information and as protection provided by the fair credit reporting act, if it is not accurate, if must be removed and never reported, thereafter. 

The mortgage, also contained mortgage insurance, that would cover the mortgage for a year, if the home owner became unemployed and/or a hardship and notified the lender that, there was a hardship and would be unable to make the current payments. The lender charged additional monthly payments, to cover the cost of the secondary insurance, but did not collect the benefits, that were due them and the home owner. Therefore, the late payments, were not accurate, as the insurance should have covered the payments. 

Everything about this reporting, is not in compliance and illegal. 

I am not responsible for the property and the mortgage. The lender is in violation of a court order and has completely, disregarded the courts ruling and has stated they " I have to pay for the property and the courts and no authority over the transaction and the lender ( XXXX XXXX ) has authority over the courts. 

The property address for the mortgage/loan is XXXX XXXX XXXX  XXXX XXXX, XXXX, LA XXXX.
Consumer complaint received 2017-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (TX)

On XXXX/XXXX/XXXX I received an alert stating Penn credit Corp has reported a potentially negative item on my  XXXX credit report. 

On XXXX/XXXX/XXXX I placed a call to Penn Credit Corp and the representative was not able to locate any information.
Consumer complaint received 2018-01-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (TX)

On XX/XX/2017 I received an email from XXXX showing I had opened a new account With XXXX XXXX for a XXXX XXXX XXXX XXXX credit card The application for this card was approved by Fortiva in the amount of {$5000.00}. A purchase was made the day the card was approved for {$4300.00}. I contacted Fortiva to advise them that I did not open this account. Fortiva representative said my credit was was checked through the credit bureaus and was approved. I in formed them that I have had a credit freeze on all three bureaus since XX/XX/2017 and that they could not have seen my report in order to approve the application. I also checked with all three bureaus to see if my freeze was still in affect and it was and also checked with all three to see if an inquiry had been made by Fortiva. Each bureau stated no activity on any requests from anyone. I contacted XXXX XXXX Fraud Dept. and explained the situation. They stated that my credit had been checked and again I told them it was impossible to to check my credit because of the freeze on all three bureaus. They still insisted it was checked. I informed them that someone in their company had to approve the application without checking my credit and they should investigate who approved it. On XX/XX/2017 I received the XXXX XXXX XXXX XXXX  credit card and I received a bill from Fortiva ( attached ).
Consumer complaint received 2016-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NY)

I have been making payments since 2014 and have paid about {$6300.00} +- since then. All of the money paid has been going exclusively to interest except for {$580.00}. I am surprised that none of it went to the principle amount.
Consumer complaint received 2016-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MA)

After completing a trial modification with Chase, we applied for a modification on our mortgage, got approved for a certain amount, then began receiving bills for a different amount. In calling Chase on several occasions, I was told to disregard the bills as they were incorrect and to disregard any other communication as it was all computer generated and my agreed upon amount was " internal ''. In working with XXXX XXXX XXXX, we decided to call Chase to find out what was going on and what is the status of our mortgage - what we owe. After a two hour conversation with several folks, on XXXX/XXXX/16, I was finally referred to the department that was handling my modification. My handler was unavailabe, and messages from Chase were left for him via email and in person. I have not heard anything from the handler of this mortgage, and have not heard anything from this person in months. Other handlers at Chase would call on a regular basis - to keep me/them, updated on my mortgage as if was processed thru several departments. I do not know where I stand on my mortgage. I have asked for help from Chase and have not received an answer. I do not know if I really got a modification at all. I asked if I did not get a modification, could I apply again and I was told " not for a year '', yet I have paperwork dated XX/XX/2016 that I was preapproved to apply. I also asked for a cut in my interest rate, which is high at XXXX %. I want to begin my mortgage payments and to have a modification, but I feel my case has been mishandled and I would like help. My husband and I are both XXXX, over XXXX, and work part of the year, and are on social security. I am not pleased with the current handling of my mortgage situation by Chase.
Consumer complaint received 2017-11-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. ()

I purchased a XXXX XXXX XXXX in XXXX of last year ( XXXX ) due to my other car being totaled in water damage. At the time I was able to manage the payment but as time progressed on my funds became limited and I could not afford that high of a car payment and still take care of my family. I eventually started making payments, not full payments. But payments to the point it would look like I was trying to work the balance down. A few months later I decided to try and get out of the car because it was to high of a payment for the size car and had and I was not satisfied with it. Did n't feel comfortable paying for a car that was n't suiting me and my family. 
I contact Chrysler Capital and told them I wanted to do a voluntary repossession because I was unable to maintain the car payments at that time. This was in XX/XX/XXXX. They at that point decided to tell me they could put my current balance due on the end of my loan to help me get caught up and be current on the loan. But I declined, cause the problem would still be there. So we processed the voluntarily repossession. I was told that they would sell the vehicle by XX/XX/XXXX and I would be responsible for the remaining balance. Which I okayed because I figured the care would be sold for the most of what was owed since it was still new and had very little miles on it. 
What I was not told was that if I failed to pay the difference it would still accumulate late fees, more payments, and affect my credit. When I surrendered the vehicle, I new that I had a balance left that was roughly {$800.00}. Which was about a payment and XXXX behind. I was not under the impression that they would report negative information to the credit bureaus like I still own the vehicle and was just refusing to pay. My monthly payments for this loan was {$470.00}. When they sold the car in XXXX the balance left was {$8600.00}. Ever since then they have been reporting negative information to my credit report such as a refusal to pay and accumulate monthly charges as if I own this vehicle. They have not called or sent any communication through the mail to me to try and settle this debt to a point where we both are satisfied. If a settlement offer does come around, I will not agree to no more than what debt I left unpaid when the car was picked up.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

Said they were XXXX XXXX. XX/XX/XXXX They could not give me adequate info on a debt. Called HSBC as instructed by XXXX and they have nothing on file for me. HSBC said to ask them to validate the debt. XXXX can not validate the debt other than a charge off date ( XXXX ) and last 4 of the card. After speaking with Mrs. XXXX ( after they called at XXXX ) several times on XX/XX/XXXX. she sent my file to " fraud ''. 
They called me again on XX/XX/XXXX robo message left om my phone, XX/XX/XXXX they called me again with no message left. XXXX another man calls me and is very abusive yelling at me that i don't understand what mediation is and he is trying to help me. He keeps saying that they are mediators, he would never admit that they are a collection agency, which is against the law! I requested him to mail me something and he said " why would I waste my time mailing you something if you don't agree to my help '' He yelled the entire time, said that " THEY '' are going to put a judgment against you and put this back on your credit and garnish your wages, then he backtracked and said that they can't garnish in my state. I asked for his supervisor and he said " what part of " director '' don't you understand in my title! I am the supervisor!! He hung up on me and I called him back. Told him that my only goal is to get information to validate the debt because i knew nothing about it. He accused me of lying saying it's been on my credit report. And that I would have to file a police report to dispute it, but no one is going to believe me in the court of law. I placed my complaint on XXXX with what my complaint was. They called called me today and said that it sounded like this debt collection agency purchased a really old file and they are trying to get folks to pay for things that are not even active any longer. XX/XX/XXXX I called back ( XXXX XXXX  ) today on the first numberXXXX as the number from the man was not good ( XXXX ) I got Mrs. XXXX and informed her I was recording the call. Asked her to validate the name of her company ( 4 times ), she kept saying hold on, hold on ... .I said that's a very simple request ... ..she then said " XXXX XXXX and I do not give you permission to record this call ''. Bottom line, I did have an HSBC card that was included in a bankruptcy over XX/XX/XXXX years ago, so this should never be coming up and I should not be getting any calls from anyone. Told them never to call me again and she responded that she would let the case manager know.
Consumer complaint received 2018-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

Ive informed the collection company multiple times that this debt is not mine. Ive fought it and have not been provided any paperwork that would validate this debt. Ive never had a XXXX account. On my report it also shows a balance for creditor and collector which I believe is a violation!!! 

The company is Diversified consultants!! 1
Consumer complaint received 2019-03-06
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. (AL)

I tried to come to an agreement with the bank XXXX XXXX. I wrote, emailed called and sent letters they just charged off my account and submitted it to collections. I submitted disputed with Equifax to no avail. This my last hope to be able to get this resolved and try to fix my credit. I never not wanted to pay on the contrary I had always paid on time and fell on hard times but I still wanted to come to an agreement.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I opened account with us bank on XX/XX/2022 with promotion where if I deposit XXXX within 60 days and keep the balance for 90 days, I will get {$400.00} but its been 9 months now and I called their customer service 4 times and every time the rep verified my promo eligibility and submitted the request to pay me the bonus, every time I was on call for at least one hour. They should be able to show my call history and details. I have still not received any call back or bonus. My account number is : XXXX. Please help me resolve this issue.
Consumer complaint received 2021-02-20
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. (MD)

I have been contacting the credit bureaus for years for them to update my credit report correctly and they have refused to do so basically stating that the information is accurate and I have asked them to provide the documentation that they have been able to identify the accounts as accurate and they have not done so. I would like for the accounts listed below to be deleted from my credit report as quickly as possible because I am trying to get back on the right track.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (VA)

*Repeated Reporting of late Payments* ( Closed inactive accounts ) XXXX XXXX  account closed XXXX XXXX  account Closed in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

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
Consumer complaint received 2022-02-17
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: SELECT PORTFOLIO SERVICING, INC. (MD)

We were asked concerning a Statement we had attached to our mortgage credit reporting, to now request from the provider the documents that confirms what is being reported to the credit bureaus on the XXXX year / XXXX month terms that is being reported for our mortgage credit accounts. 

Also, a request for a copy of the signed document that has the word " XXXX  '' on it.