davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-16
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. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2021-07-28
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: Experian Information Solutions Inc. (TX)

THIS CONSUMER REPORTING agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, and I was not notified in the time frame. As the original creditor, only I can validate this debt. I DO NOT VALIDATE this debt. PLEASE DELETE IMMEDIATELY!! 

I have sent multiple letters disputing a chapter XXXX bankruptcy that is not mine. XXXX has deleted it from my report. Yet the Chapter XXXX Bankruptcy still has not been deleted. They are not following the method of verification '' pursuant to FCRA 611 ( a ) ( 7 ). This should include : 1. The name of the courthouse which you verified the information with 2. The name of the person at the courthouse who handled your request 3. The address of the courthouse 4. The telephone number for the Clerk of Court 's office 5. Which document you obtained to verify the bankruptcy. They state that it is verified as accurate but have not provided me any of this information.
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (GA)

I have a second home that is rented to a tenant on XXXX the XX/XX/2020 myself as well as the tenant at the property were forced to stop working due to the coronavirus. I continued to make the payments until XX/XX/2020 I called and requested a deferment, at that time I was told I could put in for a forbearance Loancare will not start the deferments until XX/XX/XXXX. XX/XX/XXXX I could call back on the XXXX. of XXXX. I put in for the forbearance I was approved on XX/XX/2020. On XX/XX/XXXX. I called a requested the deferment I was told they would keep the forbearance in place until the deferment go through it should take about two weeks or up to 30 days. I called over ten times to check the status of my deferment I was told my deferment was being processed. Each time I call, I was told the same thing but nothing was being done after that I received a negative report on my credit report stating I was 60 days late causing my credit score to drop by XXXX points. I contacted loancare again on XX/XX/2020 requesting my credit report be fixed also an update with my deferment. Loancare has continue to give me incorrect information about my deferment request.The last call I made on XX/XX/2020 spoke to the loss mig. dept again now I'm being told she is not sure why they have been telling me my deferment would be done in a few weeks XXXX stated my request has never been put into the system she did see the request to have my credit report corrected but it has not been done. My previous tenant moved out the house. On XXXXXX/XX/2020 I was able to put a new tenant into the property therefore I started right away making my payment effective XXXX XXXX. XX/XX/2020 now I'm being told by XXXX to stop making payments until they put my deferment in the system but it is no guaranteed your deferment will be approved. Now this is starting to sound really crazy at this point. I was unable to pay my loan due to the pandemic for three months now I have a new tenant in the property now I can pay the mortgage each month but I'm told to stop making payments until I receive my deferment that is not a guarantee. This is really crazy I need your help on this matter. I'm trying to get the three months I missed on my payments deferred, I will continue to make payments to my loan since income is now coming in. But at this point I can't trust that Loancare will do right by my loan and help me get the deferment in place so I don't have any future problems down the road for something that was completely out of my control, an act of nature the covid-19.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CHARLES SCHWAB CORPORATION, THE (CA)

Opened a brokerage account with Charles Schwab on XX/XX/20 account number ending in XXXX, I was then locked out of this account online when I attempted to login after setup account online with user id and password. I received confirmation email confirming accounts have been activated and setup. I then contacted Charles Schwab on Saturday XX/XX/20 to link account to my bank account for transfers. I contacted XXXX a customer service representative for Charles Schwab at XXXX XXXX is based in Texas. XXXX said the account needed verification, because I used my business federal tax id number, however Charles Schwab needed my social security number. I gave XXXX this information and he setup the account and provided access to my Charles Schwab account  ending inXXXX, and XXXX. I then linked my XXXX XXXX account information to complete an initial transfer to link accounts. All my personal information was linked and shared with Charles Schwab,  I was never told that a credit check needed to be completed before setting up, or establishing a broker account, or high yield checking account. XXXX confirmed everything looked good and I would receive my checks and visa within 7 days. I received a confirmation email for both accounts. On Tuesday XX/XX/20 I attempted to logon to my brokerage/high yield checking accounts. but was locked out, I then contacted Charles Schwab and spoke with XXXX and customer service and XXXX and tech support who said I was denied through XXXX XXXX, I filed a complaint with FINRA XXXX, I was not told or asked to run a credit check to open a broker account which was open separate from high yield checking. I went online to verify which information that was reported on me but was denied access through XXXX XXXX automated systems. I was transferred to a woman in XXXX that requested my drivers license and social security number. I was still not told any verifiable information. My consumer and credit rights were violated by Charles Schwab and XXXX XXXX. I have a credit freeze on my credit file. I was lied to and manipulated by Charles Schwab to  provide both my TIN and Social Security Number and then denied a broker account after linking my checking account to their systems.
Consumer complaint received 2021-01-21
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. (TX)

I have disputed several accounts from my credit report with Equifax, XXXX and XXXX  I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 XXXX 2 : XX/XX/2020 XXXX XXXX : XX/XX/2020 XXXX XXXX : XX/XX/2020
Consumer complaint received 2020-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

Chase makes it difficult to verify your mortgage so they can try and sell you their own overpriced mortgage. Chase asked for updated mortgage information. We submitted in early XX/XX/2020. Then they asked us again. So our agent sent them the information on or around XX/XX/XXXX. They recorded the wrong amount so I sent in the information around XX/XX/XXXX. Now I received a letter on dated XX/XX/XXXX on XX/XX/XXXX stating that the property address listed on the insurance policy is for another one of our properties. I called the number on the letter and they told me to call their Mortgage insurance division. I called and held for 1 hour and no one ever came to the phone so I called back to the original number because it said if our records are incorrect call XXXX, which I had. The person this time said hold and the next thing I know they had sent me back to the Mortgage Insurance division, where I held again for 49 minutes and 32 seconds. This seems like an easy fix, but if they are trying to scam you and make you use their overpriced insurance.
Consumer complaint received 2020-09-16
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)

I have a mortgage loan with XXXX XXXX XXXX XXXX XXXX XXXX. I sent in a loan payoff in XX/XX/2020. XXXX confirmed receipt but never paid off my loan. The funds were not applied to the loan balance. I called customer service numerous times as I was still receiving statements in XX/XX/2020 & letters with a mortgage balance. It is now XXXX & after numerous calls to customer service, I received an update on my credit history showing that XXXX reported a delinquent account. How can I be delinquent when the loan was paid off in XX/XX/2020? XXXX failed to process the loan payoff in XXXX. My credit needs to be corrected & I want evidence/confirmation that XXXX corrected it. I have excellent credit - over XXXX XXXX XXXX.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am so feed up with trying to get this issue resolved 1 ) I attempted to make payments to the XXXX XXXX, which they refuse to cash. The first payment was returned to me right before I went on vacation for 3 weeks. The other two I don't know what the status is other then my bank has cut them a check and they still haven't cashed them but reported me to the credit bureau as delinquent and credit score when from exceptional to good in one day.

2 ) Never could get in touch with the anyone in XXXX XXXX, had to go the office manager at the XXXX XXXX XXXX, who also got the run around from XXXX  XXXX. Eventually the issue is that there was a digit missing from the account. Expressed my concerns and was told to file a dispute. I attempted to file on the website provided and the the site wouldn't accept my complaint. 
3 ) I cut a fourth check for the balance owed. 
4 ) I filed a complaint with XXXX, but have been unsuccessful to submit any supporting documentation. Called, the company and they said that it must me my cookies in my computer but try again. Which I have without success.

5 ) I find out that I now have to establish an account with all the other credit rating services that are out there and go through that process. I attempted to got to trans union 's website to file and it became very difficult and cumbersome.

Any assistance in getting this matter cleared up would be appreciated.
Consumer complaint received 2022-06-12
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. (GA)

In accordance with the Fair Credit Reporting Act 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (FL)

there are 10 unaccounted inquiries on my credit report from Experian-generated report dated XX/XX/2022. I wrote to Experian via certified US mail on XX/XX/2022 listing the names of unauthorized companies and dates of inquiries. These were not removed within the 30 day legal process window.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I reached out to all three ( 3 ) credit bureaus Experian, XXXX and XXXX ragarding two ( 2 ) accounts reporting delinquent and derogatory on my credit file. The creditor is XXXX XXXX XXXX XXXX. I dont owe XXXX  XXXX XXXX XXXX XXXX money I have a {$0.00} balance with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( representative there XXXX XXXX promised me that both negative reporting account from XXXX XXXX XXXX XXXX would show an update to {$0.00} and they would request each credit bureau to remove both accounts from my credit file and it has not been done by Experian, XXXX and XXXX. Each bureau is still showing I have a balance and I dont I paid both accounts off in full. I understand that each credit bureau is getting paid to report negative items which is unlawful. I want both of these items XXXX off and removed from all my credit file immediately. If accounts are not removed I will be contacting and attorney for XXXX XXXX XXXX XXXX and their negligence and each credit bureau.
Consumer complaint received 2021-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

On XXXX/XXXX/2021 I opened a USAA account service has been great and running smoothly until Monday XXXX/XXXX/2021 I was out to breakfast with my family and when I went to pay I was informed by the restaurant that my card was declined. I called to find out what was going on and was informed my account has been locked from all use and that I need to verify my identity I asked why was no contact made with me prior to blocking my account and I was told that I didnt have to be notified as Im subject to verification.. incredibly frustrated I did what was asked and at XXXX MST on XXXX/XXXX/2021 I submitted what was being asked of me and given the XXXX business days turn around notice I submitted my SSN, my valid drivers license and my date of birth to : www.usaa.com/idproof I have been calling everyday since the third business day Thursday XXXX/XXXX/2021 to just be told to wait another XXXX and they will escalate my concern. Its now XXXX/XXXX/2021 and my account is still locked and I have gone XXXX days without any access to funds bills have come due and I have accrued late fees, I dont have gas for my car and I have a special needs child who needs things on a daily basis as well as XXXX other children I have asked for speak to management and my request have not been met.
Consumer complaint received 2024-10-14
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)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Owed : {$2900.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Owed : {$720.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2020-09-16
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. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-30
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.
Consumer complaint received 2024-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

Our Mortgage Loan was sold to Select Portfolio Loan Servicing- At that time, we were in a Forbearance agreement with our previous lender. Select Portfolio honored that agreement and extended the time of the agreement another XXXX mos. Before the end of the agreement in XXXX of XXXX  we submitted all requested/required paperwork to begin the process of a deferral agreement and/or Loan modification as promised by Select Portfolio. Since then, they have repeatedly requested the same information over and over. At every request, we send over the exact same information as requested the time before. With that being said, we have also repeatedly received letters from SPS claiming that our package is complete, and they will be making a decision with 30 days or less. After a day or so of receiving the " Complete Package '' letter we receive another request for the same information we've already submitted multiple times over! ( I can provide copies of all documentation ) After so much time has passed, SPS is charging us fees, etc. I retained an attorney who has resubmitted the paperwork/application etc.to SPS. Still NO ANSWER! My husband and I are reaching retirement age and this has been very unsettling and unhealthy to say the least. I have read countless reviews about Select Portfolio Servicing and there are a lot of people suffering at the hands of this company. They should be shut down! Any help would be graciously appreciated.
Consumer complaint received 2022-07-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I have spent too much time trying to get an answer from the credit bureaus for the letters I have sent and they have not answered me. I need to remove everything negative from my credit
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have three revolving credit card account that have had a balance of XXXX dollars for three months and counting. Equifax has reported a balance on all three of these accounts which is a false claim. Equifax purposely reported the wrong information to keep my score low because of my race and geographic location. I have contacted all three credit agencies and all three lenders and verified the inaccuracies of Equifax to be false reporting. Each credit card account I have had for over 8 years as well. Equifax has reduced my credit score by 68 points on false claims of balances that don't exist on my profile. It is unjust for Equifax to be doing this to consumers because of the race and geographical location this is clearly ( systemic racism ) in a major way. The reason they keep doing it is because nobody has the money or the power to confront them on this.