davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, My name is XXXX XXXX and I am contacting you with regard to an ongoing issue I have been having with TransUnion. That credit bureau is reporting inaccurate information ( 2 recent payments ) on my credit report. This inaccurate reporting and overall failure to update, has resulted in my having been denied a credit limit increase with one of my creditors recently. I also anticipate starting the home buying process in the near future and can not have this inaccurate reporting be an issue. 

In XX/XX/2020, I submitted a request to the U.S. Department of Education, requesting that my student loans be consolidated ( thus bringing them out of default status ). That application was ultimately approved. In XX/XX/2020, I received the enclosed notification from XXXX, one of the holders of two of my previously defaulted loans. In that letter, ECMC acknowledged having received the payment required to bring the two student loans out of default status. XXXX has also updated those two accounts with the credit bureaus to reflect closed/paid. 

While I do not dispute those accounts as having been in collections, I am again disputing the inaccuracy of the reporting. TransUnion is currently reporting that in XX/XX/2020, I missed a payment on each of the loans that they were holding ( for a total of 2 ). 

This is incorrect. Per XXXX, TransUnion is reporting a late payment within the past 6 months. I also have a premier subscription with XXXX  that provides 3 bureau monitoring. My TransUnion data under that monitoring service ALSO lists a recent missed payment. That missed payment is XXXX. There were no missed payments and even when the account was in a default status, I had been making monthly payments for over a year.I have disputed this via phone ( XX/XX/2020 ), as well as online, but the information has not been accurately updated. 

On XX/XX/XXXX, I sent a letter to TransUnion ( via certified mail ), asking that they make the necessary corrections and/or updates on their end. On XX/XX/2020, I contacted them via phone to request an update. I was informed that they do NOT see any recent missed payments on my credit report. I again explained the information that is listed on XXXX and XXXX. TransUnion instructed me to contact the credit monitoring providers. 

I contacted XXXX  Customer Care and they explained to me that they could only update Information as it is provided to them by the credit bureaus ( in this case, TransUnion ). I am stuck in the middle and can not seem to get this information corrected.
Consumer complaint received 2021-04-09
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. (MD)

On XX/XX/2021 we were notified ( see attached ) that our mortgage servicing was transferred from from XXXX XXXX XXXX to XXXX XXXX XXXX with an effective date of transfer that was on XX/XX/2021 The transfer has since been completed, but XXXX is still reporting to the credit bureaus the a loan balance of {$190000.00} that was also transferred to XXXX XXXX XXXX. They are also still showing the loan as being OPEN to the credit bureaus, when it should be Closed. We have so far completed two payments to the new mortgage servicer and looking to the third, yet the credit bureaus are still reporting the transferred balance and an account that should have been CLOSED
Consumer complaint received 2020-09-12
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. (FL)

upon reviewing my credit reports i noticed a few charges on my reports that i did not give anyone authorization to use my information. Please update my accounts and remove them from my credit report. This is a fraud, and it needs to stop!
Consumer complaint received 2020-10-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Partners, LLC (IL)

The company in question : RMP, holds a debt from XXXX XXXX XXXX  I started sending them letters in XXXX of XXXX, to attempt to settle the debt. Instead of answering the letters I sent, or even trying to work out an arrangement, the put it on my credit reports! I have sent them 4 letters between XX/XX/XXXX and XX/XX/XXXX to try and work out a settlement agreement and get this bill taken care of. The refuse to acknowledge even my letters sent to them! Now my credit IS affected and they refuse to do anything about it! 
Original amount of claim was {$420.00} XXXX  # XXXX my settlement offer which was never acknowledged was {$100.00}. I asked that this be accepted to pay this debt off and have the information REMOVED from my credit files! They have only ignored me!
Consumer complaint received 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

We had an escrow shortfall in XXXX that we paid, but our payment amount was also supposed to change in XXXX from {$1900.00} to {$1900.00}. We called LoanCare in XXXX because the system said we hadn't paid XXXX 's mortgage, but we had. They never said anything about the payment not being right, just that they had applied the payment to a category called " unapplied funds ''. They moved the money out. The same problem happened again for XXXX, XXXX and now XXXX even though we corrected the shortage in XXXX ( so we were short 4 months and they just kept borrowing the money short from each payment as they told is XXXX they can do per our agreement and NOT tell us BTW even though we're on the phone with them that we're making the wrong payment amount ). We have called every month, sometimes, more than once, to try to correct. Today they told us that they will not be able to correct until XX/XX/XXXX with no explanation why. We keep trying to explain to them this is simple math. In XXXX they have billed us {$16000.00} and we've paid them {$16000.00}. They still show us a full month behind on our mortgage as all payments sit in unapplied funds until we call in and force them out - even though we don't owe anything. Their phone system does not call you back either. 

We sent a letter per their instructions from their website certified mail to the " office of the customer '' and followed the CFPB guidelines requesting error correction. They said they've never heard of it when we called today to follow up XXXX no proactive follow up from them ). 

We're going on XXXX+ months of trying to get our payment history fixed with my husband spending 2 hours with them on the phone alone today - with no resolution.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 12 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2 dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2020-08-03
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)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report XXXX XXXX XXXX {$1200.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-07-23
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. (OK)

I opened a credit card with XXXX XXXX on XX/XX/XXXX. It was to be used for per diem type purchases where my job was reimbursing me for hotel rooms. My card info was stolen and the card was used fraudulently. I requested the card be closed. I did not know that there was anything owed on the card. In XX/XX/XXXX, a charge-off from XXXX showed up on my credit reports. There is no history for it before that time. We paid it within about a day. I have not been able to get XXXX to remove the charge off/late payment statuses from my credit reports and this is affecting my ability to get good rates. I literally did not know that I owed anything to XXXX until it went on the credit report. Because of the circusmtances regarding the fraudulent activity and no notification of an amount owed was sent to me, I would like XXXX to take the late payment and charge off off of my credit report. I believe I've been treated unfairly here.
Consumer complaint received 2020-07-23
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. (LA)

I found an error on my report from my account with XXXX XXXX   stating that Ive missed a payment for XX/XX/2020. XXXX XXXX  has deferred my loan from XX/XX/2020 to XX/XX/2020 due to Covid-19. I was told that I can still make payments towards Escrow during any time of that particular month. My Escrow payment isn't required but should not report as a late payment ( especially if it was paid during XX/XX/2020 ). I've emailed XXXX XXXX  twice on XX/XX/XXXX and XX/XX/XXXX for clarity but they will not answer my questions but only respond to me when I'm submitting a payment. 

I've also submitted proof of payment and proof of mortgage deferment to the credit bureaus to remove the error and in return, XXXX XXXX   has verified the late payment as accurate AND listed a personal statement on my behalf ( without my permission ) to my credit report that reads " I am unable to make timely payments due to the impact on my job/wages as a result of the Covid 19 pandemic. XXXX XXXX   XXXX XXXX XXXX. ''
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I found an error on my report from my account with XXXX XXXX  stating that Ive missed a payment for XX/XX/2020. XXXX XXXX  has deferred my loan from XX/XX/2020 to XX/XX/2020 due to Covid-19. I was told that I can still make payments towards Escrow during any time of that particular month. My Escrow payment isn't required but should not report as a late payment ( especially if it was paid during XX/XX/2020 ). I've emailed XXXX XXXX  twice on XX/XX/XXXX and XX/XX/XXXX for clarity but they will not answer my questions but only respond to me when I'm submitting a payment. 

I've also submitted proof of payment and proof of mortgage deferment to the credit bureaus to remove the error and in return, XXXX XXXX  has verified the late payment as accurate AND listed a personal statement on my behalf ( without my permission ) to my credit report that reads " I am unable to make timely payments due to the impact on my job/wages as a result of the Covid 19 pandemic. XXXX XXXX  & XXXX XXXX. ''
Consumer complaint received 2017-09-19
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. (CA)

In XXXX XXXX, I disputed an address and balance on my credit report. A background check was submitted for employment on XXXX XXXX, XXXX and the same incorrect address appeared several times. 

Due to this incorrect info, I was denied a application for housing. 
The address in dispute is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX, apt XXXX, apt XXXX, XXXX XXXX I never resided at any of these addresses
Consumer complaint received 2020-10-27
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: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2020-08-31
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: EQUIFAX, INC. (GA)

There are credit inquiries on my credit report that I did not authorize. I only allowed XXXX to pull my credit one ( 1 ) time and I'm not sure how they were allowed to pulled my credit numerous of times without my consent. I did not authorize the following inquiries and I want them removed immediately. It should have been a red flag with XXXX, Equifax and XXXX. I want the following inquiries removed XXXX can not provide any infomation or signature stating I agreed to any of the following hard pulls on my credit file XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XX/XX/2020
Consumer complaint received 2020-07-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

ARS is a debt collection company that claims I owe {$460.00} for an unknown medical debt. They say XXXX XXXX XXXX is a billing agency for XXXX XXXX   hospitals in XXXX ohio. While I have contacted BOTH places, the debt ARS claims does not exist to the original billing company. This collection has been in constant dispute. Further damaging my credit with their constant reporting to all three credit bureaus. I believe that a medical debt completely unknown to me was sold to this agency for pennies, and is over 5 years old at this point.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (FL)

For the last 2 years of so there has been a technical glitch not allowing me to access my equifax account. I previously created a login under my email : XXXX. However now and for the last year it requires me to verify a code link that it is sending to this email. It also gives me the option to send it to my phone number. However each time when I verify by either of the above method, it times out and displays a technical error saying to call. Several times and many hours spent on the phone trying to resolve. This is a free service given to every american citizen but me. I want to be able to monitor and dispute my equifax score thru the website like every other american has the right to. I am having to open disputes by phone instead, subject to extremely long hold times. I am impacted by covid19 and this is not helping. Please remedy immediately so I can log in. Provide written instructions of this to my email and in response to this complaint. Please print and mail a hard copy of all prior disputes and the result that have been opened. This is needed asap. The next step will have to be attorneys and a judge to force it with supboenas. If this happens civil suite will be filed. Thank you.
Consumer complaint received 2020-11-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Constar Financial Services, LLC (IL)

ON TODAY XX/XX/2020 I CONTACTED THE COLLECTION AGENCY AND WAS TRANSFERRED TOAN ACCT REP BY THE NAME OF XXXX. I HAD CONFIDED IN HER STATING THAT I HAD LOST MY JOB AND SINCE LOST MY PLACE I EDUCATED THE REP THAT I HAD MOVED BACK HOME TO MY PARENTS AND UNDERSTOOD I HAD A DEBT THAT I WANTED TO TRY AND PAY SOMETHING SHE TOLD ME I COULDNT PAY THE XXXX DOLLARS, TOWARDS MY ACCT THAT SHE WOULDNT TAKE THE PAYMENT I THEN ASKED HER AGAIN AND SHE SAID I COULD DO XXXX THEN XXXX PPA I TOLD HER MY ACCT WOULD BE OVER DRAWN AND SHE STATED THAT I HAD TO PAY THE XXXX. I HAVE NO JOB OR INCOME COMING IN SHE MADE ME FEEL HARASSED AND THREATEN THAT IF I DIDNT PAY HER SOMETHING BAD WOULD HAPPEN TO ME HOW CAN THEY DO THAT TO PEOPLE THAT ARE TRYING DURING A PANDEMIC AT LEAST IM TRYING TO PAY SOMETHING RATHER THAN NOTHING THEN MY FATHER STATED HED PAY XXXX ON HIS CARD AND SHE DECLINED AND STATED THE LEAST THEYU COULD EXCCEPT WAS XXXX I DONT HAVE A JOB I CANT PAY XXXX SHE HARAASSESSED ME AND SHE WAS BEOING FALSE AND MISLEADING THATS A UDAPP
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found late payments on the dates below : 90 days late as of XX/XX/2020 ( all 3 bureaus ) My accounts are set up on automatic withdraw. I believe I  made my payment to you when I received my statements
Consumer complaint received 2021-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Strange withdrawals from my checking account which Capital One claims I did- I denied the claim that it was me withdrawing money from this ATM, to which they entrapped me with my own words in a dishonest way : They asked if I had misplaced my debit card, which to my knowledge has not left my wallet. They said that by that logic, because I did not misplace my wallet that my fraud claim is closed and that I am responsible for the charges. HOWEVER. 

Not only do I have zero recollection of having withdrawn from a strange ATM, the address of this mystery ATM is XXXX XXXX XXXX XXXX, a seemingly residential address. 

Upon looking up this address, it is assigned to an empty lot inside a residential neighborhood and there is not a single business entity that seems to have been at this address or using this address for any purposes. 

I've reported my findings to Capital One, but they just kept repeating the same thing regarding how they will not do anything other than close the claim and that I should file a police report if I am not happy about their decision ( which we all know does absolutely nothing ) Please help, and thank you for your time
Consumer complaint received 2020-07-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied for a PPP for my business in XX/XX/XXXX and provide all documents. Sent information to XXXX XXXX and others with the PPP of XXXX XXXX XXXX I kept asking about the status of my loan. My cares XXXX and loan number of XXXX I spoke to XXXX and they said I was approved. My loan was getting processed. I just missed out on my XXXX XXXX government contract because of XXXX XXXX XXXX  dropped the ball. they left me a message at XXXX XXXX on XX/XX/XXXX telling me to reapply.
Consumer complaint received 2021-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

THIS IS NOT A DUPLICATE COMPLAINT AND SHOULD NOT BE HANDLED AS SUCH. Experian is reporting information on my credit report that Congress has stated is to be excluded. Under The Fair Credit Reporting Act 15 USC 1681a Definitions ; rules of construction Congress has defined Experian as consumer reporting agency and defined me as a consumer. FCRA 15 USC 1681a under the exclusion section number B states any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is to be excluded from a consumer report. Because definitions are important we have to read further in Truth In Lending 15 USC 1602 where the term " credit card '' is defined. The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Congress says Experian does not have the right to put items on my consumer report that are directly or indirectly extensions of credit from my credit card ( my social security card, my license plate, and so on ). Experian is in violation and is civilly liable for these actions. Not only are they reporting such items, but they are defending their right to do so by claiming the items are " verified '' and " accurate '' when they are not. FCRA 15 USC 1681a numbers 3e covers the investigative consumer report saying : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on the consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information is obtained directly from a creditor of the consumer or from the consumer. Again, Experian is in violation and civilly liable of all errors I point out on my Experian credit report.
Consumer complaint received 2020-11-02
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)

XXXX, XXXX  and TransUnion arent complying with my dispute request. I sent them a letter on the XXXX of XX/XX/2020 which was my initial dispute. I then sent another letter on the XXXX of XX/XX/2020, which was a thirty ( 30 ) day demand to comply and they still havent responded.