davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CMRE Financial Services, Inc. (NJ)

I received a letter from XXXX and I called to find out what this letter is about. They asked me my name and address, which I gave them. I also offered the account number form the letter. But they said they did not need that. Instead they asked me for my birth date. I did not want to give them this information. So, I asked them why do they need my birth date. They said to look up the account. I said I have the Account Number so you can look up using that. But they refused and then they hung up on me.

I have no clue why they are contacting me.

I am contacting my Health Insurance Company in this regard. But I have no way to let XXXX know this - as they hung up.
Consumer complaint received 2020-10-22
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. (DC)

Dispute Statement : Case # XXXX ( Trans Union ) Case # XXXX ( XXXX Report ) Since I refinance my Auto loan to XXXX, I NEVER missed payment, with the only exception of my NINE days lateness on XX/XX/XXXX ( which is because my payday moved from XXXX to XXXX ). I always pay on XXXX or latest on last day XXXX of each month. 
In my end the past six-months payment history goes like this : th 1.  XX/XX/XXXX, $ XXXX th 2. XX/XX/XXXX, $ XXXX th 3. XXXX, $ XXXX th 4. XX/XX/XXXX, $ XXXX th 5. XX/XX/XXXX, {$320.00} XXXX th 6. XX/XX/XXXX, $ XXXX XXXX Payment made at XXXX bank cashier. ** Payment made by bank transfer. 
The two payments I made on bank cashiers erroneously goes to the principal payment rather than the monthly payment and incur me additional {$30.00} fee. First, they keep saying you didnt pay yourXX/XX/2020monthly payment which I did, and I proofed them by showing the difference between the begging and ending balance of my loan. They promised me they will reevaluate and will do adjustments including the {$30.00} fee, rather they report it to consumer. The same scenario happened for XX/XX/2020. 
Before that I used to have a debit account with them and they automatically tool money from that account until XXXX or XX/XX/2020. Usually I drop money on that account through ATM before my last day of payment. But on XX/XX/2020, due to Covid-19 I couldnt find a working ATM and I made payment at the cashier for the first time. I try explained this situation to the guy called me for late payment he understands and accept it & he told me he will made adjustment ( i.e. to apply the payment I made to principal to monthly payment ) and waived me {$30.00} NSF. I told him I want to keep payment this way sometimes, he told me it is okay but noted me to tell the cashiers I am making the monthly payment & I did that all the time when I made payment at the bank cashiers. 

After I proof them I didn't miss any payment over the phone the promised to make adjustment but I ask the took fix the their credit bureau report. But they recommend me to to dispute through the credit report agencies I heard the deliquesce report. ( I spoke with XXXX credit department representative XXXX XXXX XXXX
Consumer complaint received 2019-10-31
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. (OH)

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX/XXXX  XXXX never late XXXX XXXX/XXXX  XXXX never late XXXX XXXX XXXX not mine XXXX/XXXX   XXXX never late XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX/XXXX  XXXX never late XXXX/XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX {$350.00} not mine XXXX XXXX XXXX XXXX XXXX {$1200.00} not mine XXXX XXXX XXXX   XXXX {$840.00} not mine INQUIRIES XXXX   XXXX/XXXX XX/XX/2018 unauthorized XXXX/XXXX  XXXX  XX/XX/2018 unauthorized XXXX XXXX/XXXX  XX/XX/2018 unauthorized XXXX/XXXX XX/XX/2018 unauthorized XXXX XXXX, XXXX XXXX XX/XX/2018 unauthorized
Consumer complaint received 2023-01-20
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$80.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}
Consumer complaint received 2023-07-05
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: DISCOVER BANK (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and XXXX XXXX this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2019-10-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I took out the school loan in 2006. After I left school, I was told I had to pay {$50.00} per month and a certain percentage of that would go towards interest. I was told I could make additional payments towards the principal, but in fact my payments were only applied to future payments. The problem continued to get worse as the automatic payments continued to be withdrawn from my bank account and applied to principal and interest. After 10 years, my loan hardly decreased at all. 
I finally moved it to a 0 % credit card and paid it off in 1 year. I should also mention my interest went up several times with no notification. From 2 % to 6.5 %, I think. Navient is terrible.
Consumer complaint received 2023-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

I sold a book and the person paid me via Venmo. It was not a business or sales transaction on Venmo. 

The person that purchased the book did not provide a mailing address. It took one week to obtain the address from her. ( I provided proof of this to Venmo. ) I sent the book after receiving the address. ( I provided tracking number to Venmo. ) It was received but the buyer said it took too long. I reminded her that she did not provide me a mailing address. ( I provided proof of this conversation to Venmo. ) Venmo sent me a request for information, it went to my spam folder. The day that I became aware of the issue, I contacted Venmo and provided proof. 

Venmo credited the buyer and restricted my account. Venmo stated that I took too long to respond. I was unaware there was anything to respond to.
Consumer complaint received 2020-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

Disputed derogatory in writing to XXXX who failed to comply with Fair Credit Reporting Act and Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 validating Jefferson Capital Systems in excess of 90 days.
Consumer complaint received 2020-10-22
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. (NV)

I have recently been in the market to purchase a home and reviewed my credit only to find that my credit files have been compromised and fraudulently used by others. The accounts opened have been used several times and have had a negative affect on my credit rating. There is an account with 1.XXXX dating back to XX/XX/2017 2.  XXXX 3. XXXX XXXX and a medical company which was not opened by me or authorized by me.
Consumer complaint received 2020-10-22
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. (MT)

I am trying to have a fraud alert removed from my account on Experian. You can not contact anyone by phone or email. The only way to contact or file a dispute is by uploading documents and filing the complaint/request online or mailing in the form. I attempted multiple times to fill out the form and upload documents. I got an error message multiple times on multiple days. I finally mailed in the documents and waited weeks for a response. When I finally got a response, it made no sense at all, did not include the information the letter said was included, and did not remotely resolve my issue. I tried again to upload a copy of the letter they sent and ask why it didn't include my credit report or list of results the letter promised, and again got the error message on the experian site. I tried several times and was not able to upload documents or ask any questions. A company with this much power over my ability to use my credit card should not have no way to contact them.
Consumer complaint received 2017-08-10
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. (OK)

Called Transunion on XXXX XXXX, 2017 and talked to the XXXX, XXXX XXXX. I told him that there are credit inquiries on my report that were re-added to my report. I know that Transunion had a computer problem, but they were removed by their company. I told him that I was aware of the 2 separate " glitches '' that occurred with Transunion that removed them. I told him that I was NOT notified within 5 days prior to then being re-added to my credit report. He told me that I was not affected by their glitches and he would not remove them from my report. I explained that these inquiries are adding a hardship and that I feel my rights were violated. I have been victimized by Transunion for a mistake that THEY made. I am asking for your help to make Transunion delete these inquiries permanently from my Transunion credit report ( as a violation took place when they illegally re-added them ).
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2020-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

There are two debts showing on my credit report with Portfolio Collections, account no. XXXX for XXXX XXXX XXXX and account no. XXXX for XXXXXXXX XXXX. I was contacted by this agency and was told I owed these debts but could not be sued. After trying to receive information to verify ownership pertaining to these debts, with no success, I filed a dispute wih the 3 credit bureaus. The agency did whatever they needed causing no change with the credit bureaus. After receiving additional calls from this collection agency I wrote a letter requesting verification of this debt with my signature to confirm these credit defaults. I give the collection agency 30 days to gather information with my signature to prove ownership. In or around 20 days later I received a statement ( that was not familiar to me ) for XXXX XXXXXXXX XXXX but no actual signature verification. I did not receive anything regarding the second account XXXXXXXX XXXX 
I am asking for this information to be removed from my credit report or produce verifiable information with my signature. I would appreciate your assistance in bringing this matter to a resolution. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV. XXXX XXXX P.S. I have attached the dispute letter sent by XXXX XXXX and the respose sent by Portfolio
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

Because of the constraints placed on me to retrieve and the report issues on my credit report - this method allows me to do so without 4 additional steps. 

1. Equifax has independently added verbiage to EVERY Revolving trade line on my account - inaccurately. Each trade line now has remarks = " Comments on Account : Charge, Amount in XXXX column is credit limit '' There Comments were NOT provided by the credit grantor, in any instance, and render the account inaccurate. 

2. According Equifax 's own Website, " High Credit '' is = " Entry on a trade line of a credit file to indicate the highest amount charged by the consumer over the time period reviewed. '' The Actual website address for equifax 's glossary is XXXX 3. The amounts in Equifax 's views/credit reports =- populating the HIGH CREDIT field - are inaccurate and NOT what each Credit Grantor has provided to Equifax as part of their monthly reporting. From the credit report - the " High Credit '' dollar amount displayed on all NON installment Trade Lines - is inaccurate. It must be stated that all accounts have provided a Credit Limit, as required by XXXX XXXX XXXX. Examples are attached. 

Equifax , please delete the comments you ( Equifax ) added on ALL of the revolving Trade Lines. Please also ensure that the HIGH CREDIT amounts displayed, are actually populated accurately and as intended. ( Entry on a trade line of a credit file to indicate the highest amount charged by the consumer over the time period reviewed )
Consumer complaint received 2020-10-11
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. (FL)

I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 
XXXXXXXX XXXX  Date opened XX/XX/2015 Account number XXXX XXXX XXXX Date opened XX/XX/2015 Account number XXXX I attached all documents what you need included Identity Theft report. I have been a victim of identity theft fraud. I have no idea of any of these accounts.
Consumer complaint received 2020-10-11
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Back in XXXX and XXXX, we were out of work XXXX furloughed ) due a natural disaster in Florida. The XXXX and XXXX declared a state if emergency. I reached out to my mortgage holder Rushmore Loan Management to advise we we XXXX be missing payments due to this emergency. I was told no negative reporting would be in my credit report but I recently learned six missed payments were posted even though the mortgage company agreed no reporting would be posted and that we would refinance the loan. The loan was ultimately refinance but Rushmore failed to remove the six markers.
Consumer complaint received 2023-01-20
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 sent letters out to the XXXX bureaus regarding inaccurate information and they have failed to respond. asset care failed to provide a dispute notice after 30 days and their a balance of XXXX, i do not have a contract with asset care. there is also XXXX other medical collections that are reporting and i disputed these accounts in this amounts. they do not even have the furnisher information or who reporting this. this is not my medical collections, i asked them to verify 90 days ago and asked them to delete. i have not got anything in the mail regarding my disputes and the bureaus failed to enter my dispute notices. please the accounts in the amounts of : XXXX XXXX XXXX please delete
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (IN)

XXXX reported an incorrect address on my credit report. They reported the following : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions you may contact us at XXXX JPMCB CARD ( XXXX ) XXXX Credit card I called the number above, and the person answering refused to help in any way. I dont know who these people are, but that address is completely unknown to me and I insist it be taken off my report
Consumer complaint received 2023-01-20
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-20
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. (NC)

Disputed information on Credit Report with Transunion and XXXX. They are both reporting late payment history on collection accounts, there are several accounts that have exceeded the statute of limitations that are still reporting and need to be be removed as per the FCRA. I have sent several dispute letters and the information isnt being investigated/ and or removed. Its frustrating because Ive done it repeatedly and the same accounts remain. Not to mention to personal information that doesnt even belong to me.
Consumer complaint received 2023-01-20
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. (CT)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX # XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX CT XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX CT XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$820.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$28.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$40.00} ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2023-05-30
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: EQUIFAX, INC. (GA)

On XX/XX/2023 I sent out several disputes to equifax and I never received any response up to and even after the 30 day period alloted for them to reply. On XX/XX/2023 I sent out another dispute asking them to remove the negative items because they are inaccurate and because of the fact I never received any response for them. On Today, XX/XX/2023 I havent received any response back for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, or XXXX XXXX XXXX This is incorrect and needs to be removed from my credit file. Its clear that they are being negligent on purpose. Its been over 60 days at this point that I have received a response for the accounts mentioned above. All correspondence I sent to them will be included.