davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (FL)

I have already submitted a complaint on this issue ( XXXX ) which was closed without resolution. After the Creditor responded to the complaint, they AGAIN intentionally updated my credit file with incorrect information reporting a paid account as " Charge off '' in the status line as of today XX/XX/22. This caused my credit score to drop XXXX  points! 

As my original complaint clearly stated, I believe they are doing this on purpose or out of incompetence, but its highly irregular that a company like Lincoln financial would bother to continue to update account information on a dept paid many years ago. 

I filed a complaint asking the account be deleted from my credit files because THEY ( Lincoln ) keeps updating the credit file damaging my credit over and over. I just submitted a reply to their statement/response in my first complaint, and the next day it happened again???? Really?? This is blatant abuse. 

Reference first complaint XXXX Again, I request this power to harm my credit be stripped away from Lincoln Financial by Deleting this credit account from my file so it can no longer be used to impact my file when Lincoln Motor credit has NOTHING to gain by maintaining the record, nor updating any details when their settlement has been satisfied many years ago. 

I respectfully request this abuse be investigated and action taken rather then NOTED. Noting the action is not a remedy when I continue to suffer do this abuse. I will not go away, I want the financial piece of mind I am entitled under the law.
Consumer complaint received 2022-09-07
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. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have had trouble disputing with the credit reporting agencies. There are unauthorized accounts reporting on my credit file that I am requesting to be removed from my file. I have supplied all appropriate documentation. Experian did not conduct a proper investigation before reporting this information, violating multiple provisions of the FCRA. indicating a violation of the Fair Credit Reporting Act 's requirement for maximum accuracy under 15 U.S.C. 1681e ( b )., which requires consumer reporting agencies to maintain reasonable procedures for maximum accuracy in reporting
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (WA)

I went ahead and checked my credit report. On the Experian website I noticed some discrepancies on my report and continued to dispute the debt accounts I had on my credit report. Now because I had done it before I was very familiar with the process, from the time I have submitted, creditors that reported to experian have 30 days to come up with actual proof of my debt in XXXX and white. 

Not even XXXX weeks had passed I went and checked the status of my credit and low and behold all the. Disputes had been rejected. Now how is that possible XXXX they have to come up with the actual proof of debt, I believe I have to be CC? 

Now every single dispute was rejected and if those creditors came up with hard evidence of my debt, can I take a look, its my credit. Im not just gon na take someones word for it. Also I would like to probably get a second and third opinion, like the other XXXX credit bureaus. 

So very serious issue here with my credit, its my financial life which in turn is my life. Last time I disputed I had won all my disputes and raised my credit score significantly. 

So Its either I have some stuff cleared up or consult an attorney and also contact other reporters and get second and third and etc. Opinions.
Consumer complaint received 2022-06-27
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

Hello- I have had a perfect credit record my whole life and have never missed a payment. Capital One turned off my credit card 's auto pay without notifying me earlier this year and has caused my credit score to drop over 100 points. It appears they posted 3 derogatory marks on my credit profile and only removed 1 of them from my previous complaint. My Capital One credit card balance was only {$50.00} during all of this headache, which I paid off immediately as soon as I found out my auto-pay had been disabled. I even paid the late fees. I constantly pay off my cards in full every month ( {$1500.00} - {$3000.00} a month ), which you can see from my credit profile. It makes no logical sense that I would miss a {$50.00} payment and destroy my credit score. Can you please remove all of the derogatory Capital One marks from my credit report?
Consumer complaint received 2022-11-13
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. (PR)

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX & XXXX  XXXX 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 2022-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

I was a long-time banking customer with TD Bank XXXX On XX/XX/2022, I received eSign documents for a new TD Bank Checking Account, which I had no knowledge of. I immediately called into customer service and they transferred me to the fraud department. The fraud department could not locate any fraud, but advised me to close my current accounts and reopen new accounts. I was not satisfied with the resolution, so I eventually decided to close my TD accounts and move to another financial institution. 

On XX/XX/2022, I began receiving emails from XXXX stating that my Online Banking Statement is available for TD CONVENIENCE CHECKING XXXX. I again received the email on XX/XX/XXXX. It seems another customer is using my email address for their account and/or my personal information. The fraud department has still not provided any resolution to this matter.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-11-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VA)

XXXX ) The mortgage servicer Specialized Loan Services, LLC has denied the review of Mortgage Assistance and set a scheduled foreclosure sale date for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specialized Loan Services, LLC provided correspondence that our application for Loss Mitigation was completed on XX/XX/XXXX. In this same letter, it states they are currently in review and that no foreclosure sale dates would be scheduled while the application is in the review process. This correspondence was dated Friday, XX/XX/XXXX. 



XXXX XXXX Specialized Loan Services, LLC generated correspondence on Monday, XX/XX/XXXX, denying the Loss Mitigation Application stating Ineligible for modification due to the inability to reduce payment. A decision was determined in less than XXXX business days and a sale date was immediately placed on the account. This brings to question the process SLS used to evaluate application. In less than XXXX business SLS states they thoroughly reviewed application for workout assistance. 

XXXX XXXX Specialized Loan Services, XXXX also states in the XX/XX/XXXX, correspondence that we were approved for XXXX other loss mitigation options. These options were a Short Sale and Deed in Lieu. In addition, the correspondence stated that we were eligible for a second-level review and that documentation must be submitted by XX/XX/XXXX. We provided all documentation for a second time on XX/XX/XXXX. Instead of honoring the information in correspondence, SLS denied the application stating an application could not be accepted because of the scheduled foreclosure sale date. 

XXXX XXXX Specialized Loan Services, LLC is consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. 


XXXX XXXX Specialized Loan Services, LLC stated that we were approved for XXXX workout options and eligible for XXXX level review ; however instead they scheduled a sale date for XX/XX/XXXX, and continue to move forward with the sale date. This is a clear example of the term Bait and Switch and consistent with the prohibited practice of Dual Tracking. 

XXXX XXXX Specialized Loan Services, LLC practices violate federal law ( 12 C.F.R. 1024.41 ) ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking.
Consumer complaint received 2023-02-11
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'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 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (NY)

I've been using credit karma And they have been given misleading information telling you that you are pre approved for a credit card once you apply for it it denies you And I'm very upset because why are they giving miss leading information Which is causing me to have a negative impact on my credit score and stopping me from getting a loan for certain things as a consumer I expect that the information at credit karma was telling me was accurate Or less I would not apply for these things if I knew it was going to give me a bad credit score So as a result of this I need monetary damages from credit karma As a result of this
Consumer complaint received 2022-11-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Flandreau Santee Sioux Tribe (TX)

I have been called about 10 times a day from scam numbers. I answered and was told by 2 different people that I have a payday loan from XX/XX/XXXX from a company called XXXX XXXX for XXXX dollars that is now {$1200.00}. The lady said they were filing charges against me, was yelling at me, and hung up in my face. The second company contacted me today, XXXX XXXX regarding a payday loan from VIP Loan. This was supposed to be in XXXX for {$610.00} dollars. I spoke with a lady by the name of XXXX XXXX. She said she could be reached as ( XXXX ) XXXX ext XXXX or the number that called me ( XXXX ) XXXX. I tried to call both numbers back and they didn't go through. I haven't taken ANY payday loans and the information they provided was wrong. Can you please assist or give me some guidance on what steps to take.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current (IN)

Filed a dispute on a charge back on XX/XX/XXXX for a charge for items I never received they said it will take upto 90 days it's pass 90 days and nothing has happened
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-11-13
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. (TX)

I have filed multiple disputes with this company by the name of XXXX XXXX with the credit bureaus ( XXXX, AND EXPERIAN ) and which all of them were deemed as verified, and in my disputes, I have asked them multiple times to provide me with original documentation with original signatures that the debt is owed by me. The Credit Bureau have been unable to provide this information every single time, but still deeming this account as verified come back as verified this leaves me, without providing me the proper documentation I have asked for which is the law. This makes me believe the investigation was improper and incomplete.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (FL)

XXXX has marked my payment for XXXX as past due 45 days. I am under the XXXX program since XXXX of 2022 and my mortgage will be paid for 18 months. XXXX was already notified of this and the checks go out every month for payment. I have called and tried to get this escalated with no assistance from customer service. They can not track the payment down and have not helped what so ever. Now my credit report is being flagged for late payments and has gone down XXXX points!
Consumer complaint received 2022-08-22
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX account number # XXXX and XXXX  XXXX, Medical debt XXXX XXXX  XXXX violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights 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 2022-10-23
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: Collection Management Holdings, LLC (TN)

Yes I have had a data breach with XXXX they have my stuff on my dark web and sold my information also on XXXX I noticed a lot of address wrong social different names used that I got to report bc I think someone in Texas have bought a house in my name I need every consumer that is in with these peony and at the time I was paying to get my credit up so everything has got screwed up but I dont see how different names and address and different social popping up on all my stuff and so now I am in a world of XXXX and been wondering why they cant verify me bc my stuff got stolen by hackers!!!! I need to notify everyone and plus things I dont know about!!!
Consumer complaint received 2022-08-22
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX account number # XXXX and XXXX  XXXX, Medical debt XXXX XXXX  XXXX violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights 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 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to let you know that I am a victim of identity theft. In XX/XX/scrub> 2024, I found out that several accounts were opened in my name without my permission. Despite my efforts to resolve this with consumer agencies, the account XXXX XXXX XXXX ( XXXX XXXX ) is still on my report. 

This situation breaks several rules under the Fair Credit Reporting Act ( FCRA ), including : Not correcting or removing inaccurate or unverified information ( 15 U.S.C. 1681i ( a ) ( 5 ) ), Using my information without a valid reason ( 15 U.S.C. 1681b ( 2 ) ), Not blocking information related to identity theft ( 15 U.S.C. 1681c-2 ), Failure to follow procedures to ensure accuracy ( 15 U.S.C. 1681e ( b ) ), Not conducting a reasonable reinvestigation ( 15 U.S.C. 1681i ( a ) ), You must investigate this issue and remove the incorrect information within four business days, as required by law ( 15 U.S.C. 1681c-2 ). If you do not take action, I will have to consider legal steps to protect my credit and myself. Each FCRA violation can lead to {$1000.00} in damages if taken to court.

This issue has caused me a lot of stress and affected my mental health. I hope you will address this matter quickly and fairly.
Consumer complaint received 2022-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I am submitting this on behalf of my mom ( XXXX XXXX XXXX widower living alone ) who was scammed. A person over the phone indicated that XXXX was looking at her bank account and that moving money out and back in would help. He had her download XXXX XXXX XXXX on her iphone. With this, he gained access to her XXXX XXXX XXXX and performed a {$490.00} XXXX and {$1000.00} XXXX transaction to a XXXX XXXX ( probably a fake name ). My mother does not even know what XXXX is and it appears that she did not use that app, but it happened through her XXXX XXXX XXXX while the person was controlling her iphone using XXXX. I am hoping that submitting this will help with XXXX 's investigation and recovery of her funds. He also had my mom create a new gmail account and get the XXXX app, and a crypto XXXX  app, and had her wire $ XXXX into the XXXX app. Luckily, I was able to use my mom 's phone to change the passwords for both. The $ XXXX went into the XXXX  app and i was able to transfer it back to XXXX so that is not an issue. We made a police report, an FBI report, made new bank accounts, froze credit, etc. They had access to everything - even social security number.
Consumer complaint received 2022-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (GA)

I was a customer of XXXX also known as XXXX  in 2016, I paid my bill and kept the bill current. There was a dramatic switch in the cost of their services so I decided to leave the company, close my account and no longer receive their services. The process was I should disconnect the equipment, go to the local office and drop equipment off. I did exactly that, went to the XXXX XXXX  office, dropped off the equipment and the account was closed. During that time, I was part of one of the biggest lawsuits with XXXX. It was a class action lawsuit concerning previous employment there. Brand v XXXX where we sued for discrimination, labor law infractions and unsafe work practices. We won the law suit, collected our checks and the case was closed. Soon thereafter there's information being reported that I did not return equipment. I've called let them know the receipt numbers and they said ok its taken care of. Soon thereafter this is being reported to the credit bureau that I owe {$610.00}. Every time I report it, they reply that this is the amount owed. There are no receipts on their side, no history of anything accept a bill for {$610.00}.