davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent many letters and not getting response. This is very unfair and goes against the FCRA. The bureaus are taking advantage of me. They should not be able to break the law like this.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC. (MD)

Due to the breach with Equifax getting hacked, I decided to put a freeze on my credit report with all three agencies. XXXX Equifax, XXXX and XXXX XXXX I was in shock & in disbelief that XXXX CHARGED ME to do so!!!!!!!!!!!! Now, I have learned that to temporarily or permenantly Unfreeze my credit report with ALL three agencies, I WILL BE CHARGED AGAIN!!!!!!!!!! 
The act of charging anyone to Freeze or Unfreeze their reports because of Equifax 's XXXX is Demonsterable to say the least!!!!!!!!!!!!! 
I am requesting that I be repaid for freezing my account with XXXX & not be charged to unfreeze my accounts with all three agentcies!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!.
Consumer complaint received 2020-11-28
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. (PA)

XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Date : {$0.00}, Issue : Account paid and never late XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX/XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX/XXXX  XXXX XXXX  - XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Issue : The inquiry was not authorized
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

Diversified consultant has reported a debt that does not belong to me and has failed to validate this debt. this was reported on XX/XX/2016 for XXXX for phone services from XXXX. I requested that they validate this debt by sending a certified letter to the collection agency in XX/XX/XXXX, and followed up with another certified letter in XX/XX/XXXX. As of today, they collection agency has failed to respond, yet it is still reporting negatively on my credit report.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (MO)

Around XX/XX/2022 I was online searching for a set of new tires for my truck. Since Our company has a gas card from XXXX XXXX, we were advised to use XXXX XXXX XXXX XXXX XXXX  for the replacement tires. XXXX XXXX XXXX is affiliated with XXXX XXXX, so there card is accepted at XXXX XXXX XXXX XXXX XXXX 
During the process, the XXXX XXXX XXXX XXXX XXXX website portal, direct you during the process to the page to apply for credit. Thinking about it now, I should have just purchased the tires with the XXXX XXXX  card we already have. Instead of applying for a card at XXXX XXXX XXXX XXXX XXXX  ( 1 ) st because in XXXX Missouri XXXX XXXX XXXX XXXX XXXX XXXX and a couple of other automotive services, are known in the minority community to be uncredit friendly towards minorities. 
( 2 ) Because I already was in the process of buying tires and scheduling services. Being directed to XXXX XXXX XXXX and Services by XXXX XXXX, otherwise My Wife and I probably would have chosen a different company. 
( 3 ) The credit application was denied and I expected it to be, because as a minority in XXXX, Missouri. Certain comanies a minority knows will automatically get denied for some really unexplainable errors. 
Company complained about for credit discrimination : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}
Consumer complaint received 2021-06-24
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. (OH)

I have sent multiple notices to Transunion in regards to unauthorize inquires listed on my credit report. Ive already contacted the companies and they have no record of this information being reported. I need for Transunion to investigate and provide proof of signature for these erroneous inquiries listed on my credit report. This has caused so much XXXX  during these hard times.
Consumer complaint received 2017-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (LA)

I received a Notice of Adjudicated Property Sale.  I have tried everyday multiple times daily to speak to someone regarding this at Ditech Mortgage. I receive their automated system and follow all the prompts, then once I finally get to speak to a person they all say this is the wrong area let me transfer you. I have been transferred repeatedly and always eventually get hung up on. I finally spoke to XXXX at extension XXXX and I asked to speak to a Supervisor and was told I had to submit my request in writing because they do not have supervisors in the office. This is a time sensitive matter dealing with my home and no one at the mortgage company can help. This is a major issue! The fax number I was given to fax my written request to was XXXX it is the same fax number that is listed at the website and prints on the Request to Establish an Escrow Account form and when you fax to it, the fax will not process due to the number being unresponsive. How are you supposed to get help on your mortgage if you can not reach a decision making person? This is unacceptable for a consumer to not be able to easily receive help for a mortgage issue that could cause them to lose their home!
Consumer complaint received 2017-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

XXXX XXXX, I noticed a mark on my credit reports that I had no knowledge of. Thus, I disputed the debt with all of the credit reporting agencies, and except for XXXX, the results came back as " verified and accurate '' from the credit agencies. As a result, I wrote a letter to Bull City Financial Solutions on XXXX/XXXX/XXXX asking them to provide me with the documents used to verify this debt. BCFS received my letter on XXXX/XXXX/XXXX. Admittedly, I know that they have at least 30 days to respond to my letter, however, I also know that this is not my debt. Thus, BCFS is violating the FDCPA. This company is reporting a debt on my credit profiles that is not mine nor do they have any contractually binding documentation that states otherwise.
Consumer complaint received 2019-10-25
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. (UT)

" NEW ISSUE '' Experian has violated my rights to dispute an account that is reporting a fraudulent balance that was an result of fraud and unauthorized use. Additionally, they sent the letter uploaded that they are refusing to conduct a reasonable and diligent investigation by FAILING to send all relevant documents which I sent them POLICE REPORT XXXX & XXXX which were NEVER sent to XXXX  in their investigation which is a violation under the FCRA. Furthermore, XXXX sent a letter dated XX/XX/2019. They revealed in the letter they never received any police documentation from EXPERIAN NOR did they contact the XXXX XXXX XXXX police department. I contacted XXXX XXXX and left a Voice message recently reminding her of XXXX legal responsibility to obtain all relevant documentation as section 623 of the FCRA leaves a grave responsibility on the DATA furnisher to gather all relevant documentation in an investigation and are obligated to conduct a diligent and reasonable investigation. HOW can you conduct a Diligent and Reasonable investigation as 100 % VERIFIABLE AND ACCURATE under law and never retrieve legal police reports from Detective XXXX XXXX which you have the contact information for. These are all MAJOR violations that I intend to if necessary file a formal complaint in XXXX District Court here in XXXX XXXX XXXX UTAH. I do have XXXX 's registered agent information if deemed necessary. This negligence from Experian and XXXX has caused significant damage financially and personal hardship. 


Lastly, I have filed another police report as I am adding this notation that XXXX is failing to honor the Truth in Lending Act and Fair Credit Billing act to support my claim if it reaches court. 

Police report number. 
Fraudulent Use of Credit or Debit Card XXXX XX/XX/2019 XXXX XXXX
Consumer complaint received 2017-08-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery has called me numerous times. Their associates have regularly been threatening, abusive, and repeatedly ignored my requests to stop calling me. I tried to negotiate down the debt and they repeatedly told me no. Also they call before XXXX and after XXXX any given day of the week. I recently got a call last Sunday at XXXX.
Consumer complaint received 2017-08-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In regards to my Bank of America debt owed # XXXX with a balance of {$3800.00}, I have been trying to settle this account for some time now. I have been paying a small monthly payment over the past year to slowly pay on this account but now that I am trying to purchase a new home, I need to settle the remaining balance. My credit shows that I owe the {$4800.00} amount but I have made just over {$1000.00} in payments so i know this amount on credit is inaccurate. When trying to discuss the a settlement agreement, they state that the file is has " not been marked for settlement '' at this time and I would need to pay the full amount owed. They quote an amount that includes the monies that I have already paid thus trying to make me pay more than that is owed. This has to be illegal.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Whitestone Financial Holdings LLC (NC)

A XXXX XXXX was purchased in XX/XX/XXXX, the company who financed the vehicle is Whitestone Financial is located Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX, they required a tool to be attached to the starter of the vehicle which would cause the vehicle not to start if I failed to make payments. immediately after the purchase the vehicle began to falter, failed to start. after a cost of over 1800.00 in repairs the vehicle, that seemed to appear in one week, the vehicle still continued to fail to start. I made every payment on time for a period of 18 months, still continuing to have starter problems. A number of calls were made to Whitestone as per the trouble with the starter, each time they failed to act or to address the problem. In may of this year XX/XX/XXXX, I traded the car off to the toyota dealership in XXXX, NC, and thus paying the car off in full. Whitestone Financial had not been reporting my payments to the credit bureaus, and after paying the vehicle off in full, the only action Whitestone Financial took was to report the account closed. No statement of accurate on- time payments for over 18 months, thus this has effected my credit score.
Consumer complaint received 2020-05-29
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: Experian Information Solutions Inc. (PA)

According to Experian XXXX  XXXX XXXX continues to furnish a series of late payments on credit profile. According to accounts XXXX which is displayed eleven times as nine late payments. The accounts are the same and with the reporting being calculated by FICO the inaccuracies of reporting are compromising my creditworthiness.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MI)

I made arrangements with Citi Bank to settle a Home Depot credit card balance for XXXX. I received a letter from Citi Bank that was dated XX/XX/2020 stating the details of settlement. On XX/XX/2020 I made a payment of XXXX to settle the debt with Citi Bank for the Home Depot credit card. I was given the confirmation number XXXX. I was told by the representative that the account would be reported as settled to the credit bureaus with a XXXX  balance. In the letter I received, it also stated the amount i was to pay ( XXXX ) and that the account would be reported as settled. However, the account status was never changed and the payment was reported as just a regularly payment that was taken off of the original balance. It was not reported as settled. Citi bank still shows that I owe them a balance for this acct. I disputed with all 3 credit bureaus and Citi Bank is stating the information is correct. I have not been able to get in touch with a representative from Citi Bank and have been on hold for over an hr each time I have tried to contact them.
Consumer complaint received 2019-10-25
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. (CA)

In my husband 's CFPB complaint XXXX ( XXXX XXXX ), he stated that Experian continued to include on their credit reports a XXXX home equity line of credit ( HELOC ) account that was included in a XXXX XXXX XXXX that was filed over 7 years ago. Based on the XXXX XXXX filing date of XX/XX/XXXX, this item should no longer appear on his credit reports and should have been removed 7 years after the XXXX XXXX XXXX filing date. To make matters even worse, the Experian credit reports stated that the account would stay on the reports until XXXX which is over 12 years after we filed for XXXX XXXX XXXX and perhaps coincidentally 7 years after our XXXX XXXX was discharged. Via his CFPB complaint, my husband successfully had the XXXX HELOC removed from his credit reports. As the HELOC account was a joint account with me and husband and the XXXX XXXX XXXX was a joint bankruptcy with me and my husband, I am in the same exact situation as my husband. Thus, as with my husband 's credit reports, the XXXX HELOC should be removed from my credit reports for the exact same reason as my husband. 

I specifically want to point out an attachment titled " Letter from XXXX Dated XXXX '' in which XXXX verifies that this account was included in our XXXX XXXX XXXX  that was filed on XX/XX/XXXX and discharged on XX/XX/XXXX. However, XXXX states that they correctly reported as " Paid in settlement '' at the time of our bankruptcy discharge even though they admit the settlement was our XXXX XXXX discharge. My husband stated to XXXX that an account discharged in a XXXX XXXX XXXX  should appear on our credit reports as something other than " Paid in settlement '' but they disagreed. XXXX stated in its letter and in phone calls that we need to contact Experian directly if we want to dispute how the account appears on our credit reports. 

I am also attaching to this complaint all of the documentation my husband included in his complaint. Most of the documents were attachments to the letter titled " Cover Letter to XXXX XXXX '' in which he initially complained to XXXX about the reporting of the account.
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (AL)

This debt is based out of the state of California where the statute of limitations on any debt is 4 years. i incurred this debt before 2011 and the debt collector trying to collect only bought this accountXX/XX/XXXXof this year. This account is way past the expiration date and therefore i feel it is not a collectable account. attached are documentations showing that i have not lived in the state of california to incur this charge since 2011.
Consumer complaint received 2022-07-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (AL)

I sold my house that is associated with this Truist HELOC and closed back on XX/XX/XXXX. The closing attorney sent the payoff amount for my HELOC via overnight parcel service to Truist and it was received by them on XX/XX/XXXX. This has been confirmed by several Truist customer service representatives that I have called over the past 7+ weeks.

However, although Truist is in possession of the payoff amount, they have refused to actually apply the received funds to my account and close out the HELOC. I have been subjected to high ongoing interest charges since then and my credit score has suffered because this account appears to be open when it should not be. 

The Truist account reps claim that the interest I've incurred since XX/XX/XXXX will be removed from my account, but how can I trust was they say at this point? I've made one payment since this has happened to avoid appearing delinquent, so how will they make that right? Even if they can fix the interest payments and give me a refund, how will they fix my credit score? I think they are liable for that at this point.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc. (MD)

Due to the breach with XXXX getting hacked, I decided to put a freeze on my credit report with all three agencies. ( XXXX, XXXX and Experian ) I was in shock & in disbelief that XXXX CHARGED ME to do so!!!!!!!!!!!! Now, I have learned that to temporarily or permenantly Unfreeze my credit report with ALL three agencies, I WILL BE CHARGED AGAIN!!!!!!!!!! 
The act of charging anyone to Freeze or Unfreeze their reports because of XXXX XXXX XXXX is Demonsterable to say the least!!!!!!!!!!!!! 
I am requesting that I be repaid for freezing my account with XXXX & not be charged to unfreeze my accounts with all three agentcies!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!.
Consumer complaint received 2021-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My transunion score went down 73 points onXX/XX/2021. I was in the process of buying the home and taking homebuying classes so I was required to pull my free annual credit report regularly. I was pre-approved for a home loan by XXXX XXXX XX/XX/2021 and understood that a hard inquiry would cause a dip in my credit score. My XXXX went down 10 points or so and my XXXX score went down a 10-15 points as well. My transunion score to a drastic dip with no change in the report other than the lenders hard inquiry. I spoke with XXXX from transunion on XX/XX/2021 after reviewing my credit report for any inconsistencies or reasons for a 73 point dip. XXXX had great customer service but Transunion could not provide any reason why this dip only occurred with their company. I was not offered any resolution or investigation to this situation. This has affected my life in a way where I may not be able to purchase my new home. I am aware credit scores are created on a algorithim but I am also under the impression that systems can have errors even within the algorithim method. My credit usuage and items on my credit report have not changed other than the hard inquiry on XX/XX/2021 by my lender. Transunion deducted 73 points from my credit score with no explaination. When speaking to customer service they were not able to advise why this happened nor refer to help