davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Security Credit Services, LLC (NJ)

This company is reporting a collection of XXXX with all three credit bureaus incorrectly. They claim it is from an apartment I used to live at, but after multiple conversations with the apartment company and multiple requests for validation for this collection company, proper validation has not been provided. I've reached out to the apartment complex this supposedly came from and they told me that they have no records of me owing anything prior to moving out. I paid my all rent owed prior to moving out and yet this collection remains on my report There is no account number reported. This is a direct violation of the Fair Credit Reporting Act and is unfair to have this continuous be reported against me on my credit. I have been unable to attain housing for myself all because of this. I am requesting this account be deleted and that this company request for removal to the bureaus.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

On my credit report, it shows I have an missing payment in XX/XX/2017 which I think is an technical error on bank system because for 2 years before and after that it's always been on time.
Consumer complaint received 2019-08-23
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. (NJ)

I have sent out 2-3 letter asking XXXX to verify and reinvestigate the Bankruptcy they say is accurate and also has been verified on my credit report. I have not gotten any factual proof of their investigation, yet they continue to report.
Consumer complaint received 2018-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was set up with auto-pay for an amount higher than the minimum payment and the Minimum payment changed and they charged me late fees even though the account was set up with Auto-pay. I requested the fees to be reverse and they did not do it. Due to this issue my credit score took a dive and they wont fix it either.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Public records suppressed from reporting as public information. All three credit bureaus are knowingly reporting public records information even after provided a letter from XXXX XXXX who provided the public information to the credit Bureaus. Method of verification or reporting is obsolete since suppression is in place. I have attached a copy of suppression letter
Consumer complaint received 2018-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (FL)

I XXXX XXXX, used to have a internet service account with XXXX. I thought I had settled my account back in XXXX of XXXX. I paid the outstanding balance off using a gift card and made note of the confirmation number the XXXX agent gave me. Confirmation number XXXX. After that call ended I placed the remaining balance out of sight and out of mind. After that account was settled I never heard from XXXX ever again. I received a credit alert today XX/XX/XXXX from my XXXX monitoring account stating a recent debt collection was added on my credit report. When I contacted XXXX XXXX XXXX XXXX ( XXXX ) XXXX, the agent rep who first attended my call was rude and did not allow me to plead my case. I remained calm and asked to speak to a supervisor XXXX who was more rude and uncouth.I stated to XXXX XXXX that I had never received a letter from the Company and never have I spoken to any of there agents. When I asked for date and time the Supervisor XXXX failed to give me the information. The supervisor told me get a subpoena if I wanted those details. The collection amount is {$140.00}, after my failed attempt to resolve, I reached out to XXXX and explained the issue. XXXX is pulling my call from XX/XX/XXXX to assist to see what they can due on there end. How is someone supposed to resolve a debt they aren't even aware of it. XXXX did confirm the amount of the debt is {$100.00} dollars and not {$140.00}. Please assist us, as the account should not be reporting and this negatively affecting our credit. The company never gave us a fair chance and an opportunity to resolve.
Consumer complaint received 2024-02-29
Product: Credit reporting 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. (GA)

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-11-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TX)

There and underground as tagged criminal & corruption toward me veteran, and federal medical retirees and disable citizen, veteran. The company involved well known as unfair, favorable to me, etc. Claim to sold or stolen my home out of the hands of navy Federal Credit Union and title switched all unconsented for blind side and overthrow both me and the government, XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, from my discovered there XXXX issue quick family it goes by the name XXXX XXXX both male and female and some children involved I'm making monthly payments on my home they sent me some documents saying it was sold and wanted to give me a token and not pay me for the property value he has a total value of {$210000.00} and they want to send me a company mug and said the home is paid off and I'm still making payments now that I get my investment out of it it appears as either white or XXXX XXXX crime towards me the XXXXXXXX male XXXXXXXX XXXX XXXX who refused to associate and have company and such a manner without information. The apartment upon your investigation I need to know the findings so I can assign a lawyer for corrective action and criminal prosecution seeking mandated and reimbursement for aggravating and harassment all over Immortals practice only at me to include wrongful Labor practice with the intent to profit off my merits and hard works earnings, their retaliation and reprisal Prejudice discrimination towards me because I handle my own business and make my judgment reduce the lack of information it was hidden the company and their family Network you've said company belittle me of my status as a XXXX citizen and a XXXX of the land of the law it appears they're looking for a movie in ready living free I refuse to roll forward on such illegal activities practice and rehearsal from that company and family the information has been blocked from the screen or the XXXX XXXX I'm here to help and assist for conviction and relief retro my address is as follows, XXXX XXXX XXXX XXXX XXXX Texas XXXX, and I am living remotely out of my vehicle because of their XXXX business help me on the flea ... I can be reachable at XXXX or e.mail both of the two.. 
Bills of rights involved violations out intents for harm and discomfort.. I look forward for a verbal feedback as soon as possible. 
XXXX XXXX XXXXXXXX,
Consumer complaint received 2020-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

Hi There, I was trying to make purchase online on XXXX as usual and then Citibank fraud dept. blocked my card and put account under review for unknown reason even though I was on call with then just to make sure the payments go through successfully. The first payment of XXXX went through and then remaining another XXXX was completely blocked by the Citibank. I was trying to take an advantage of 50 % discount and over by XXXX XXXX  PST XX/XX/XXXX, this negligence by Citibank had cost me about $ 20k for not being able to make a purchase. I was told the daily spending limit is XXXX and still was only able use XXXX out that. Thanks
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC (FL)

On XX/XX/XXXX, I had an emergency and ended up in the hospital for a very short period of time. Insurance information was provided at the time of service, health insurance at the time was XXXX  XXXX, policy number XXXX. Insurance was billed and multiple times for the services provided, I will list them below- Claim ID number XXXX {$1200.00} paid to XXXX , XXXX XXXX Claim ID number XXXX {$4800.00} paid to XXXX XXXX XXXX Hospital Claim ID number XXXX {$4800.00} paid to XXXX XXXX XXXX Hospital Claim ID number XXXX {$820.00} paid to XXXX XXXX XXXX Hospital In XX/XX/XXXX, I get a letter from XXXX XXXX XXXX , XXXX collecting on behalf of Pendrick Capital Partners   stating that they are owed {$1200.00}. This was already paid and settled with my insurance as I listed above. I been receiving calls non stop from them demanding payment. It is also been added to my credit report and my score has already dropped significantly, to the point that is has stopped me from being able to refinance my home.
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MS)

Finance charges are not DECREASING on a consistent basis. Payments of {$90.00} per month are made to this account on the company 's payment due date, XXXX of each month. Automatic Payments are controlled by the company. Payments are higher than the minimum due. NO NEW charges. Have contacted the company by chat on several occasions and they do not acknowledge a problem. 
Finance Charge Statement Date Balance Monthly Daily Days XX/XX/2018 {$2100.00} {$49.00} XX/XX/2018 {$2100.00} {$50.00} {$1.00} XXXX XX/XX/2018 {$2100.00} {$49.00} {$1.00} XXXX XX/XX/2018 {$2000.00} {$45.00} {$1.00} XXXX XX/XX/2018 {$2000.00} {$48.00} {$1.00} XXXX XX/XX/2018 {$1900.00} XXXX
Consumer complaint received 2018-02-20
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. (PA)

On XX/XX/2017 XXXX XXXX XXXX appeared on my Transunion credit report, I am disputing this inquiry and requesting documentation regarding a third party 's access to my consumer credit report pursuant to the permissible purpose provisions of the fair credit reporting act
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Every 30 days I have disputing the same inaccurate information from the credit bureaus and they aren't doing anything to remove these inaccuracies. The are reporting the following fraudulent information and it has hurt and damaged my credit scores : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft Equifax - Dispute Letter Sent XX/XX/2022 XXXX XXXX XXXX  - {$420.00} - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft XXXX - Dispute Letter Sent XX/XX/2022 XXXX XXXX Charge Off {$3800.00} - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft XXXX XXXX XXXX Charge Off - This was included in a bankruptcy and was paid in full
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (SC)

Keep reported closed refinanced accounts as negative accounts they are outdated and should no longer be reported as per the fair crediting act. I have contacted them several times and they tell me they will look into it and do nothing.
Consumer complaint received 2019-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (PA)

Around XXXX of 2019, I sent a letter to Southwest Credit Systems about a debt I allegedly owe, for not returning some cable equipment from XXXX, I have asked repeatedly for verification of this alleged debt, have received no response, I have even made an offer and attempt to pay, so it can be taken off my credit report, and was refused. I have returned the cable equipment so this alleged debt should not even be owed
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (OR)

I recently had my credit pulled in order to get a home loan and i was shocked to see 2 60 day late pays on my credit report from XXXX and XXXX of XXXX for an account that has been paid and closed since XXXX of XXXXIt was a manufactured home that i paid off and sold in XXXX. Its never been on my credit report until this year more then 7 years later. I have called the company and they can not locate my file anymore and have said that they never reported a late payment from the records. So I've tried to dispute it with the credit bureaus but it has not been removed. I've attached a copy of my credit report that shows it closed since XXXX and an email from the customer care company that said they can't find the records of my account. Please help me. I am also going to file a complaint against the credit bureaus for not removing this item from my credit report or looking into it even because if they had the lates would be removed from an account that is obviously closed. Please help me get this resolved.
Consumer complaint received 2018-11-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services (CA)

We have repeatedly told XXXX at the telegraph canyon location, XXXX, AND the XXXX XXXX, to not send anything to a particular address. We have provided the correct address many times and they keep sending correspondence and specifically collections letters to an address that is incorrect! 

Also, I had a promise to pay arrangement with XXXX the XXXX, for the beginning of XXXX and despite this, they went ahead and called a phone number I specifically told them they should never ever call. They spoke to an unauthorized third party and provided details of the loan and the nature of the call etc. 

I work in consumer lending so I am familiar with what is correct and what is not, and this is not only unethical, it is against the law. I am very upset about this and am seeking some help in getting them to stop these practices. I have warned them several times not to do this or theyd leave me no choice, and they refuse to list the proper address, they refuse to stop calling phone numbers I specifically asked them not to call, and they are causing havoc on my life.
Consumer complaint received 2018-03-09
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: BTH Management (TX)

I had two similar negative marks placed on my credit report, both from payday advance companies. I have never opened a payday loan, so these are not my debts. I requested removal/verification from both companies, and one mark was removed. The remaining company refuses to remove or validate the debt, even though I have contacted them several times and filed a Better Business Bureau complaint against them. 
This negative mark is seriously damaging my credit, and I have been unable to apply for a mortgage as a result.
Consumer complaint received 2018-07-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (PA)

Hello, This concerns from the very start of my refinance with my broker to be assigned to Loan Care as my new mortgage company. I was told by my broker that Id be contacted where & when to make a payment to my new mortgage company. When I finally was given the information & paymentbook I was already almost 1month behind .this made a instant problem. Ive tried with many phone calls to try to resolve this issue but its never been a permanent fix & peneltys & interest continue to add Ive never yet been 30 days late only 29. Im a XXXX man XXXX early had a great state job. I now early retired my income is my retirement & Social Security XXXX. Making almost XXXX less than I previously did. I live now paycheck to paycheck the only solution Ive been given by Loan Care is to make up the difference when I can.that is no resolve for me as I said you budget is very tight. Meanwhile I get added fees & runarounds & rudeness by select employees when I have to call in my payment the last time I called I got no where I then asked to speak to that persons manager only to get no resolve I then asked for their manager to get a name to speak to of XXXX but discussed as every time I call I just decided to try this route to resolve this ongoing frustrating situation I hope this can be resolved its been going on for to long. Thank You.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act, Transunion acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

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 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 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This is a complaint of record since the issue was resolved. 
*** I intended to to freeze my credit reports due to a notification of a potential identity theft threat. 

Both TransUnion and XXXX signed me up for a " credit monitoring '' service or membership with a monthly charge of approximately $ XXXX. each. 
Not only was I unaware that I had signed up for any service, I received no confirmation or receipt of said charges as one would with any online purchase. 
It was only when I saw the charges on my credit card bill did I realize something was amiss. 
I immediately jumped thru all the hoops to get the charges reversed, each took at least 2 hours just to track down who to call and what to do. 
Both companies refunded the charges without dispute. 
I filed a complaint with the State of Minnesota & they referred me to this website. 

As a side note, I had no difficulty with XXXX.