davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (AZ)

I have student loans with XXXX XXXX XXXX that are reporting to have late/missed payments. I have worked with XXXX and it seems they have sent an update to the credit bureaus and the status still has not changed. I have 13 accounts with XXXX and 11 are showing past due on XXXX and XXXX of 2019. Since these loans were taken out they have always been in deferment. 

I have made numerous attempts to dispute this information. The only response that I am given, by mail is that the accounts have been verified. I have requested documents showing the investigation results and after 2 years none has been provided. 

In addition, I have been in contact with XXXX and each time I am advised the notification was in fact sent over to the credit bureaus.
Consumer complaint received 2022-09-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (IN)

Hi, I and my wife were tenants of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and were in the process of vacating the property. We moved out most of our stuff except for a few items and a mattress and were surprised to see it occupied by other tenants when we came to finish the clean up. 

1. The apartment was leased to us till XX/XX/XXXX 2. On XX/XX/XXXX we received a statement dated XX/XX/XXXX including unpaid rent and repairs for {$2600.00} 3. On XX/XX/XXXX we disputed the charges as : 1. Rent was being demanded for the period the apartment was leased out to other tenants. 
2. Repairs were carried out during the period the lease was still active and we were in the process of cleaning up at their own volition 3. No evidence of damage was provided for repair charges. 
Returned the keys. Sought damages for property destroyed. Requested a response in 5 days. No response was received. 

4. We received in writing on XX/XX/XXXX a letter dated XX/XX/XXXX from Hunter Warfield a debt collector on behalf of XXXX XXXX XXXX for an amount of {$2600.00} attaching the same original charge sheet sent on XX/XX/XXXX by XXXX XXXX and no additional evidence or response provided. 

5. My attorney disputed the charge in writing on XX/XX/XXXX with XXXX XXXX XXXX 6. On XX/XX/XXXX I see a collection placed on I and my wife 's account 7. This has damaged our credit ratings and reputation severely
Consumer complaint received 2022-08-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

In XXXX, I made two payments against the principal of my mortgage in addition to my regular monthly payment. One of the payments was correctly applied to the principal but the other was not. It was incorrectly applied to my monthly payment. My online account indicates that I do not have a payment due until XX/XX/XXXX when it should show that my next payment is due XX/XX/XXXX and my principal amount should be reduced by {$1000.00}. The is the second time Carrington has ignored my request to apply an amount to my principal and misappropriated my payment. I have contacted the company on three occasions. I have spoken with representatives in Indiana, and Texas twice. They are unable to correct their mistake. I was told by the Indiana representative that this recurring problem is caused by improper training of representatives handling payments. They should indicate " NO PROMISE TO PAY '' and they do not. Regardless, they are misappropriating my payments and my account is continually mal-adjusted.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CA)

On XX/XX/XXXX my account was closed for no reason. I called the bank to see what happened and I was put in touch with authentication department. I told them that all purchases are valid and for personal consumption of supplies. They told me that I had excessive spending with a merchant. I told them I did no such thing and never bought anything other than merchandise. No gift cards or anything nefarious. I told them that I never spent more than XXXX percent of my credit line in any given weeks. 

There is no way this can be construed as excessive spending. This is ridiculous. The supervisor didnt care and still closed the account Us bank confiscated over {$300.00} of cash back points I had earned. I would like a statement credit for this confiscation and a restatement of my account which I have only used legitimately and honestly
Consumer complaint received 2022-07-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX # 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 2022-08-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I noticed XXXX XXXX XXXX XXXX XXXX XXXX reported that I owed {$190.00} on XX/XX/XXXX. I paid it off on XX/XX/XXXX. I was on XXXX XXXX today and saw that I disputed this XX/XX/XXXX. TRANSUNION stated that the payment was paid but they missed removing it from my report. Now, they want me to send them a XXXX word statement resulting in my complaint. 

I am sick and tired of credit reporting companies and their admission of not doing their jobs and wanting me to assist them. I paid the bill, they know this and still want more. 

Please help consumers resolve matter such as this. This is causing my score to drop every day.
Consumer complaint received 2022-04-01
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. (AZ)

I have student loans with XXXX XXXX XXXX that are reporting to have late/missed payments. I have worked with XXXX and it seems they have sent an update to the credit bureaus and the status still has not changed. I have 13 accounts with XXXX and 11 are showing past due on XXXX and XXXX of 2019. Since these loans were taken out they have always been in deferment. 

I have made numerous attempts to dispute this information. The only response that I am given, by mail is that the accounts have been verified. I have requested documents showing the investigation results and after 2 years none has been provided. 

In addition, I have been in contact with XXXX and each time I am advised the notification was in fact sent over to the credit bureaus.
Consumer complaint received 2022-06-15
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX Account 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 an account without my written instructions
Consumer complaint received 2022-06-15
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)

Experian is reposting that I have an open account that has already been paid in full as of XX/XX/XXXX. We have reached out to the credit bank, XXXX XXXX XXXX, about this issue. We are unsure if XXXX is the one that is wrongly reporting that there is still a balance, or if Experian is not updating account status. I have filed a dispute on XX/XX/XXXX, to correct the status of the so called unpaid mortgage, but claimed that the information was up to date on XX/XX/XXXX. We have also called XXXX and they have sent us documents stating that the loan was paid in full, which we have submitted to Experian as supporting documents to fight the dispute response on XX/XX/XXXX. This false report is severely affecting my credit score and the ability to obtain other loans.
Consumer complaint received 2022-08-07
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. (NJ)

CFPB Write up In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2022-06-15
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. (TX)

In accordance with the Fair Credit Reporting act 1. # XXXX XXXX XXXX XXXX  XXXX # XXXX 2. # XXXX XXXX XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX XXXX, Accounts # XXXX # XXXX # XXXX 4.XXXX # XXXX 5.XXXX XXXX XXXX  # XXXXExperian 6 XXXX Medical # XXXX 7.XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX Experian XXXX Has violated my rights XXXX 


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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-15
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. (TN)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX, and 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 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 seven 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 2023-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: WEICHERT FINANCIAL SERVICES (NJ)

My mortgage company is Weichert Financial. 
I have Homeowner Insurance with XXXX. I have Home Mortgage with Weichert Financial Services. 
Every year Weichert put to my bill Hazard Insurance. Without any agreement. 
After I call to XXXX - XXXX faxed to Weichert the Home Insurance Declaration Page to prove my Homeowner Insurance. Usually, after the charge eliminated from my Weichert bill.

This year Weichert does the same - put Hazard Insurance {$1200.00} to my bill. 
I call to my XXXX agent to work with this problem. 
XXXX send to Weichert the Declaration Page- no result from Weichert.

I called to Weichert.

I spoke with Weichert specialist at XX/XX/23 at XXXX XXXX  - to cancel the charge for home insurance from Weichert because I pay for home insurance to XXXX. 
No result. 
That means for me - I am paying TWO insurances for same property..

Please, help me. 
Weichert must stop charging me for Hazard Insurance, because I have home Insurance from XXXX.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MD)

Why did my XXXX credit rating decrease by XXXX points. My auto loan with Wells Fargo was completely paid off in XXXX. I have no other loan defaults. My ratings dropped in XXXX. This is illegal.
Consumer complaint received 2022-06-15
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. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-06-15
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)

In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX and Account Number : 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 2022-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I have a mortgage with United wholesale mortgage. They admitted that failed to pay my homeowners insurance from my escrow account, thus causing a lapse of a month in insurance. Setting aside how disastrous that could have been, they are now charging me a {$170.00} fee for the lapse of insurance coverage, which was their fault. I've spent hours on the phone with no resolution. I also paid my insurance myself and faxed them notification that I no longer want my insurance part of the escrow account. Despite that they just notified me that my escrow account is short {$2900.00} therefore I have a new mortgage payment two hundred dollars more. And they wont change it despite knowing I will be paying my own insurance.
Consumer complaint received 2022-03-03
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. (MD)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXXDate of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXXDate of inquiry XX/XX/2021 XXXXDate of inquiry XX/XX/2021
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services (CA)

In XX/XX/XXXX I have purchased a Mercedes vehicle and the finance company was Mercedes Financial Services. As of my last payment which was in XXXX of XXXX I never had any single late payments on my account. In XXXX of XXXX I decided to pay off my vehicle loan. Suddenly I have noticed that my credit score has dropped because Mercedes Financial has reported a repossession to the credit bureaus. I have contacted the bureaus and also Mercedes Financial but they could not fixed that error. Now Mercedes Financial Services informed me that it is an error but they can not fix it because the account is already closed. My credit scores came down for XXXX XXXX. My credit scores are suffering because of their error reporting and I am in a middle of purchasing a property. I have attached copy of my identification document and copy of the letter from Mercedes Financial Services about my last payment.
Consumer complaint received 2022-06-15
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. (FL)

As of XX/XX/XXXX I have been disputing with Equifax via certified mail for the last year or so about a reporting error that needs to be corrected, Yet EQUIFAX always comes back and says that the account was verified as accurate. XXXX XXXX XXXX  Account number XXXX XXXX continues to report that it is 90 days past due for XX/XX/XXXX. This can not be humanly possible seeing that the previous month XX/XX/XXXX was reported as paid on time yet, XX/XX/XXXX, and XX/XX/XXXX have missing data. I have mailed in dispute letters with a copy of my drivers license and a actual print out of the actual credit report where the error is being reported, Yet month after after month I always get the same result without any real investigation taking place. This has caused a great deal of stress to me because it's clear as day that this account is being reported inaccurately! Equifax has violated FCRA 15 U.S.C SEC 623 ( b ) Duties of Furnishers of Information upon Notice of Dispute ( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer repo ting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, re- port those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. I have attached proof for your review.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2022-03-03
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. (MD)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX556****-Balance {$0.00} XXXX XXXXXXXXBalance {$0.00}