davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 XXXX
Consumer complaint received 2023-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Easier Funding, LLC (FL)

I consulted with a 60 day credit repair agency in XXXX of 2020 and never signed a contract or agreement. The verbal agreement was to go month to month until I cancel. NO CONTRACT WAS SIGNED. After 60 days, I decided to cancel going forward with 60 day credit repair. They then resourced XXXX XXXX, XXXX of XXXX Florida. I received 2 phone calls and no documentation identifying me to this debt collection. They can not show me a signed contract by me and attempting to collect a debt for {$1200.00} now visible on my credit report. This is a fraudulent practice and harassment. 

Attached document is the ONLY agreement I willfully signed and is by no means a contract.
Consumer complaint received 2015-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TN)

I have my Experian credit report and I notice that experian is providing inaccurate information about my account status and there is some discrepies. I have being applied for credit and when the company pulls from experian credit report, i either been denied credit or have to pay a high security deposit. Whereas when a company pull my credit report from XXXX and XXXX, is were i am always approved. Experian credit bureau is not reporting accurate information.
Consumer complaint received 2022-02-14
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 the 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 has been heard 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CO)

Midland credit has called me 5 times before XXXX XXXX  today. Upon picking up she immediately threatened me by saying she was helping me avoid a lawsuit. I simply told them to stop calling and they deny calling as many times as they have. My phone records beg to differ. Each time they call, they call twice! 

The second part of threatening a lawsuit is a much bigger deal. That is not allowed and is highly unethical.
Consumer complaint received 2016-10-22
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: Kross, Lieberman & Stone, Inc. (NC)

Hello My son went to a fast med urgent care the medical insurance is under my name ( im the dad ) this it was placed on my credit report. This company also put it on my sons credit report as well which it should not be. I have been called daily looking for payment. On XXXX occassion i was told " you really should pay these XXXX bills {$54.00} and i believe {$110.00} other eise we will take our next step and go forward with legal action '' to me thats illegal to say there the lae firm of kross, liebetman & stone. I will proceed with a harassment and unethical collection practices lawsuit. What i would like to happen in order for me to not file a lawsuit and i will even resind this complaint i would like these XXXX medical items REMOVED from my son XXXX credit reports immediatly as its on my credit reports and can continue on my reports.
Consumer complaint received 2015-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

Our mortgage service company, OCWEN, failed to comply with MD XXXX XXXX for timely disbursement of our surplus escrow balance within 60 days from receipt our request and OCWEN 's agreement to discontinue monthly escrow collection by OCWEN for annual payment of our property taxes and insurance. OCWEN initiated internal disbursement procedures in XXXX of 2015, but has no explanation why the disbursement was never completed and continued to hold and draw interest on more than {$4000.00} in our escrow without any action until we complained and demanded disbursement on XXXX/XXXX/2015 and XXXX/XXXX/2015.
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

Experian has engaged in illegal Identity Theft, Conversion and illegal debt collection actions with perpetrators XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Experian tampered with and manipulated my consumer report for several years in violation of the Fair Debt Collection Practices Act, Fair Credit Reporting Act and Identity Theft Laws.
Consumer complaint received 2024-01-26
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: Experian Information Solutions Inc. (MA)

In XXXX of this year, I purchased a laptop computer from XXXX XXXX and utilized your credit card service for installment payments with zero interest charges. I made timely payments for the first two installments, as evidenced by the enclosed documents dated XX/XX/XXXX and XX/XX/2023. 
However, unknowingly, these payments were directed towards my old XXXX XXXX account. 

Upon being informed of the mistake, I contacted XXXX XXXX, and their representative attempted to transfer the payments to my current account, number ending XXXX Unfortunately, due to system limitations, they were unable to process the transfer and instead issued a refund check to me for the total amount of {$110.00}, dated XX/XX/2023. Subsequently, I promptly reissued the payment to the correct account on XX/XX/2023, in the same amount. 

I was explicitly assured by XXXX XXXX representatives that this incident would not impact my credit rating due to the error being rectified. However, to my dismay, I observed my credit report drastically decline from XXXX to XXXX following the reporting of two delinquencies XXXX XXXX Upon contacting XXXX XXXX again, I was informed that they were unable to rectify the information provided to the credit reporting agencies, despite assurances of resolution within 40 days. The subsequent letter received on XX/XX/XXXX was equally disheartening, confirming the inability to amend the reported data. 

Enclosed are all necessary documents, including copies of the refund check, subsequent payment, and evidence of the initial timely payments, to support my appeal. This discrepancy has adversely affected my career prospects, impeding my ability to secure employment in an industry where I have accumulated over 30 years of experience. 

I urge you to help rectify this grave error promptly and restore my credit to its prior standing before this unfortunate incident. I implore for corrective action to be taken swiftly to alleviate the unjust ramifications on my credit rating, as I am striving to resolve this issue amicably without resorting to legal involvement.
Consumer complaint received 2016-06-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX in exchange for opening a CitiGold account and scheduling XXXX bill payments from the newly opened account. 

XXXX XXXX XXXX equals at least {$500.00} or more in travel on XXXX XXXX. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, XXXX, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I did not receive my bonus points as promised. 

On XXXX XXXX, XXXX, An internal investigation was opened. 

Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.
Consumer complaint received 2017-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing hard inquiries on my credit with TransUnion Credit Bureau for the past 3 months I have filed electronically and called and talk to a live agent. The live agent removed the inquiries but they have recently returened XX/XX/XXXX. They were previously removed XX/XX/XXXX/XX/XX/XXXX and put back on my credit report again. I check my credit monthly and I know they were removed XX/XX/XXXX/XX/XX/XXXX I know that TransUnion removed them because of a computer glitch or error in which effected my account and I was never notified. Listed are the inquiries disputed, removed, and added ack on to my report currently. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2017-02-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (MD)

I have not heard from this collection company about this issue and I have not been able to resolve this. I ca n't get them to contact me after inquiries to their website. 
If I ca n't contact them, I ca n't resolve this issue. 

Franklin Collections is damaging my credit.
Consumer complaint received 2015-06-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XXXX incorrectly denied me a HAMP Tier XXXX loan modification stating that I did not meet the post-modification DTI requirements. XXXX misinterpreted the XXXX XXXX guidelines. Upon dispute of the erroneous income & debt input figures used in XXXX 's calculation, XXXX did not correct their errors.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

My complain is about my credit report information with experian.they have all my information swipe with my brother information like number of credits, loans, accounts.while other XXXX credit reporting companies have my correct information.when i call them ( experian ) they said there reporting unit is from XXXX, XXXX and they usually do this type of mistake and i need to pay for correction, customer services starting telling there packages.My concern is why should i need to pay for correcting my information on credit report ( my name, DOB, credit cards, loan ) if they have done mistakes I would like to mention that other XXXX credit reporting companies have my correct data.Now i have to apply for auto loan and this thing will problem until i correct its i want to request cfpb please a notice of this issue and help me to correct my information with experian .i have attached wrong credit report of experian. i will very thankful to you for your favor .Thanks for your time.
Consumer complaint received 2016-06-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Admin Recovery, LLC (CA)

Since late XXXX of 2016, agents calling themselves either XXXX XXXX or XXXX claiming to be representing Admin Recovery ( XXXX ) have been contacting my mother and XXXX of my aunts about my XXXX debt. I 'm confused by these calls because my credit report from XXXX never mentioned any debt or transactions involving XXXX. I also never owned a XXXX any time after XXXX. I am particularly disturbed that XXXX XXXX told my aunt that he knows my parents are living XXXX. I have no idea how he could know this about my family. My family and I all feel that our privacy has been violated. Since these callers have only contact those in my family that are above the age of XXXX but never tried to contact me, I suspect they might be targeting senior citizens. These callers need to stop contacting us.
Consumer complaint received 2017-01-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams & Fudge, Inc (AL)

On a recent credit report this company Williams & Fudge reported a Collection on my XXXX report dating a debt of {$7500.00}. I do not know of this debt & it is not mine. I have not received any information, not a dunning letter or anything from this company regarding this so called debt. They are not suppose to place a collection account on my credit report without sending me a letter stating what this is anyway. I do not owe this debt & want this deleted from my credit report ASAP.
Consumer complaint received 2022-09-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I wrote a letter to TransUnion on XXXX about my consumer credit report. I requested an updated version of my consumer credit report ( Violation # XXXX ) I still haven't received till this day. I asked them who is XXXX XXXX? When was this name added to my consumer credit report? Who authorized the name change? ( Violation # XXXX ) My questions went unanswered. I asked them why don't I have a XXXX XXXX? My question still went unanswered. On XXXX, I requested a {$500.00} loan from my XXXX XXXX XXXX XXXX XXXX. I was denied. I requested a {$250.00} loan from my bank and I was denied again. I received XXXX statements of credit denial due to the fact that my bank based their decisions from TransUnion Credit Reporting Agency. On XXXX I applied for XXXX XXXX XXXX and received a denial letter based on the inaccurate TransUnion consumer credit report. I have more denial letters from my past. On XXXX, I finally received a letter from TransUnion dated XXXX file # XXXX in reference to my letter dated XXXX and all it contained was RE : unable to locate credit report dispute request. ( Violation # XXXX ) It took them more than XXXX  days to investigate and respond on my account. They also completely ignored all of my request.
Consumer complaint received 2015-09-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Our home was serviced by CHARTER ONE BANK.We paid additional amounts to pay off the loan early.Those amounts not applied properly towards principal reduction. 
The loan was paid off in 2/2011we wrote many letters to them to give us back the amount of {$2500.00}. 
they have not responded at all.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

My husband and I have been fighting to get a tax lien to reflect a paid status through Experian. We have sent proof of payment and a letter from the court. We 've worked hard to payoff our debts and deserve what is fair. The balance as of XXXX/XXXX/16 is still showing " Filed ''. 

They refuse to do this simple task for us. 

Please help
Consumer complaint received 2022-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (UT)

The credit card company was reporting inaccurate. My credit card debt is paid per obligation of the United States. 

31 U.S. Code 3123 18 U.S. Code 8 15 U.S. Code 1692/1692e and 1601 Privacy Act 1974 - 15 U.S. Code 1692c
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

According to XXXX XXXX ( per my pending complaint ) a ChexSystems score was used to close my account after it had been opened and set up ( approved by a Principal in the company ). I did not receive any notice from ChexSystems regarding a denial or was it clear to me that XXXX XXXX would use a third-pary reporting system without my knowledge. Additionally, the redress option that I was offered from ChexSystems was to order a report because I was denied credit. This is first time I 've even heard of this company as from my understanding the XXXX major credit bureaus determine credit scores. However, this is not the case. The issue I have with ChexSystems is that I was not informed that I was denied an account via XXXX XXXX because of a ChexSystems score. The report I received ( as the letter I uploaded ) indicates I have no history of " mishandled, reported for cause, and/or outstanding debts. '' Either the information that ChexSystems provided to XXXX XXXX was incorrect or there 's another scoring component. Additionally, the language used on the " Inquires Initiated by Consumer Action '' states that " These inquires can be viewed for ninety days up to three years. '' What is the criteria for that? Who determines how long they will stay on the report? Does this negatively affect your score? How can you know your score when the report does n't show it? These are all questions that have not been answered by ChexSystems. It is unfortunate that such an opaque process is used deny consumers the information they need to address an issue that is so clearly important ; understanding consumer reporting agencies and having access to redress issues that are vitally important to a consumer 's financial life.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

On my credit report these is a collection from " XXXX XXXX '', however I have failed to contact them, I ca n't get a hold of the company, I believe they no longer exists. If they do n't exist anymore and I can not make contact with them, then I want this off my credit report. I have also called and emailed ( XXXX/XXXX/2016 ) Ashmer Collections and they have n't responded to me.
Consumer complaint received 2015-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

My husband and I and also our roommate got charged falsely for apartment charges. It then went to collection. This particular Apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX was falsely charging multiple renters and now is under new management. I have a letter stating we do not owe anything. Please remove from all XXXX bureaus for all XXXX of us. 


Also, I have a second thing. I have something from a collection agency for XXXX XXXX who is trying to get paid twice. XXXX XXXX has been paid by themselves. Therefore, I do not owe them and that collection agency is still harassing me.
Consumer complaint received 2024-01-26
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: Experian Information Solutions Inc. (OH)

I reached out the experian they verified these accounts that do not belong to me. how cann a non human verify physical information. the accounts listed below need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-05
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: HOVG, LLC (CA)

My mother saw a missed call and called Bay Area Credit to see who called. She spoke to a XXXX XXXX XXXX. She did disclose that she was in fact not me but instead stated her name. He then attempted to set up payment terms with her seeing if she would pay my debt. I have never once given authorization to speak to a third party. My mother is not the executor of my estate. He tried to not only collect from my mother but to get her to agree that I would pay to the amount. He disclosed the amount that I owe and for what. He disclosed what I owe the money for and the payment terms. He then harassed my mother to make a payment before getting him off the phone. He told her that she needed to make a payment and that he would be in his office until XXXX.