davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
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. (NV)

Equifax ; XXXX and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact these accounts are in dispute. The accounts are as follows : 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 XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX  # XXXX ; XXXX. XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX and PUBLIC RECORDS accounts. Every single one of these line items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX ; XXXX and Transunion are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact these accounts are in dispute. The accounts are as follows : 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 XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX. XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX and PUBLIC RECORDS accounts. Every single one of these line items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.
Consumer complaint received 2023-04-08
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: EQUIFAX, INC. (FL)

I reviewed my Consumer Reports and noticed that I had TWO late payments on an account that I was never late for.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of t
heir ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.
Consumer complaint received 2019-03-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (MO)

On XX/XX/19, I made a XXXX deposit to US Bank because I knew a transaction of XXXX was coming through on the XXXX. When I checked my balance, it showed I was XXXX in overdraft fees. I contacted the bank and talked with XXXX # XXXX XXXX who told me that because I deposited a check, the bank only released XXXX  which made me have late fees. When I complained to her that no one ever told me funds were going to held back because it was a check and besides it has already been two days. Someone else from USBank consumer complaints made a similar tale but said because the bank was holding the rest of the XXXX, I wouldn't necessarily owe them XXXX. Only if other transactions come in. I told her this was unfair and it looks like you are trying to extort money that was available in my account to give to US Bank because you want to. At no time was there an offer to make things right. The check has cleared their bank. There was no reason for them to do this to me. Oh by the way it is XXXX XX/XX/19 of this writing. US Bank has given me a deposit slip that says my deposit was for XX/XX/19 XXXX XXXX. How could this happen?
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TN)

XX/XX/XXXX - I obtained a FICO XXXX  credit report. On this credit report, XXXX XXXX XXXX lists a debt in collections for the amount of {$610.00}. They claim that the original creditor is XXXX XXXX and that the debt was assigned to XXXX XXXX XXXX on XXXX XXXX, XXXX. They list an account # of xxxxxxxxxxXXXX. I have never had an account with XXXX XXXX and didn't know what to do. 

On this same day I met with a financial professional provided by the Department of Defense to assist servicemembers with their finances. This financial professional called the fraud department at XXXX XXXX with me. The fraud department searched for any unpaid debt under both my name and social security number and found no evidence that I have ever had an account with XXXX XXXX. Since there is no record that I have ever had an account with XXXX XXXX, I do not owe them any money.
Consumer complaint received 2019-03-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (WI)

Vehicle is a XXXX XXXX XXXX leased through XXXX XXXX. Vehicle was turned in XX/XX/XXXX ... yes XXXX at XXXX XXXX of Arizona, ( XXXX XXXX Manager XXXX ) Payment was sent to Nissan plus I paid the final {$260.00} per Nissan to complete all payments due for lease through XX/XX/XXXX. XXXX repeatedly called Nissan to pick up vehicle, sent them the odometer statement with no response from Nissan and til this day XX/XX/XXXX, over a year later the vehicle still has not been picked up by Nissan. XXXX did say that Nissan is guilty of this practice every time they take in a XXXX or Nissan because they do not want to pay to pick up vehicle. I repeatedly have spoken to both parties. Around XX/XX/XXXX Nissan called me to ask weather I was turning in the vehicle or wanted to purchase, this is nuts when the vehicle was turned in on XX/XX/XXXX. They have continued to keep account open and I have accumulated 2 payments overdue and I have a spotless credit report. I also spoke to XXXX XXXX at Nissan ( XXXX ) the last time being XX/XX/XXXX and also by email that day and he is well aware the vehicle was turned in in XXXX of XXXX. Would also like to know what XXXX has been doing with vehicle after over a year, did they use it for all this time?
Consumer complaint received 2021-12-08
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: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/19 I recieved a phone call from the XXXX XXXX claiming to be mediators. The first rep I spoke with was very rude and hung up after I started to say I have no intentions of paying this, but hung up before I could finish my sentence which would have finished with I have no intentions of paying this at this time. I called back and spoke to another rep who kept claiming I was digging myself into a bigger hole because this is a recorded line and threatened to call me at work and even at church. This is unacceptable. Both reps continued to interrupt and threatened to start the hearing process. Both times they claimed to NOT be debt collectors, but meditation between the client and myself.
Consumer complaint received 2022-04-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

After recently reviewing my credit report I noticed several inconsistencies regarding the account XXXX in the DATE OF LAST ACTIVITY, DATE REPORTED & DATE OPENED sections. First, XXXX is reporting XX/XX/XXXX as the date of last activity, while you are reporting XX/XX/XXXX as the date of last activity. Next, XXXX is reporting that XX/XX/XXXX as the date reported, while you are reporting XX/XX/XXXX as the date reported. Finally, XXXX is reporting date opened as XX/XX/XXXX, while you are reporting XX/XX/XXXX as the date opened. All these dates CANT be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 

These companies have failed to respond within a 30 day time frame and have also not provided the requested documentation to verify their erroneous reporting
Consumer complaint received 2019-03-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX and Transunion are reporting me 120 days late on the XXXX/XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this issue.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I was notified of a credit inquiry in XX/XX/2018. I immediately attempted to dispute with the credit reporting agency. They determined this was a legitimate inquiry. I contacted XXXX XXXX to get this removed. I have been told multiple times by XXXX that the request has been submitted to the credit agency. The credit agency states they have not received anything and can not remove from my file. I have been fighting this since XX/XX/2018 and to date the inquiry still appears on my credit report. I have made several phone calls to both credit agency and creditor and I am not able to get this removed. I have filed a report with FTC and now I am here requesting assistance.This has affected my credit score and at no fault of my own. I will be purchasing a home in a few months so I need this removed as soon as possible.
Consumer complaint received 2022-03-31
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: BARCLAYS BANK DELAWARE (TX)

I Consumer, XXXX XXXX extended credit to Barclays Bank entering into a consumer credit transaction through the extension of credit in accordance with the Truth in Lending Act.

Upon review of my right and reports I submitted a dispute to the credit bureaus requesting the Barclays account listed on my consumer report be removed in accordance with 15 USC 1681a ( 2 ) ( a ) ( i ). See below for the exact exert from the law ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report.

In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided. 

Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Upon reviewing all of my documents, I WAS NOT provided with clear instruction to utilize my ability to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out.

There is no law that states that anything has to be reported on my consumer report but there are multiple that state that I have a right to privacy and that I MUST provide consent to the sharing of any of my personal nonpublic information.
Consumer complaint received 2022-03-31
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. (VA)

I have on two previous occasions requested copies of the information you used to authenticate the claims of debt against me certified received on XX/XX/XXXX, and on XX/XX/XXXX proof is attached. 
Pursuant to the Fair Credit Reporting Act [ 15 U.S.C. 1681g ( a ), I have a right to copies of all of the documents and information that you have recorded and retained in your file at the time of the original request concerning the accounts that you are reporting in my credit report. If you are unable to provide validation, verifiable proof such as signed contracts or agreements within 30 days of receiving the first certified letter, which was received on XX/XX/XXXX, you must remove the unverifiable and incorrect information. 

To assist you as best I can, I have again enclosed a copy of my drivers license and passport as proof of my identity and a letter from the IRS ( internal revenue service ) below are the accounts in question. Your immediate attention to this matter is greatly appreciated because is well outside of the 30 day investigation period and it's having a negative impact, The accounts in question are listed below. 



Company Account Balance Company Account Balance XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX {$500.00} XXXX  XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  XXX {$500.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX IXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I paid off my XXXX XXXX Credit Card Ending in XXXX for {$10000.00} on XXXX XXXX. I was told on a phone call on XX/XX/XXXX at XXXX CST for 6:07 seconds that the account was closed, paid in full, and no further payment were needed as the account was in good standing. See attached documents proving the card was paid off in full. How can there be late payments on the account if theres a balance of XXXX? Somehow there are now late payments from XX/XX/XXXX to XX/XX/XXXX. I asked Transunion and XXXX to verify the account and they deemed it accurate. My credit report of Transunion XXXX XXXX are still showing these inaccuracies. According to USC 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. 

Thank you for hearing my complaint and I look forward to hearing from you soon.
Consumer complaint received 2021-06-10
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. (TX)

I mailed all three credit bureaus XX/XX/2021, to verify there reporting on my credit report and they failed to do so. They had 30 days to reply are delete the reports by law. They are in Violated of 15 usc 1681b.
Consumer complaint received 2021-09-09
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: EQUIFAX, INC. (FL)

Equifax has continuously proceeded to report erroneous information in my credit file even after knowing and accepting it should be deleted. I have called to file a dispute and was transferred and placed on hold for hours to eventually be transferred to XXXX Equifax and then hung up on. they refuse to even take calls or correct their errors
Consumer complaint received 2019-03-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (NY)

My lender and/or mortgage loan servicer is practicing unfairly and in dad faith. I fell behind on my mortgage due to lost in income and on XX/XX/XXXX I received notice that a Foreclosure proceeding had commenced on me with a conference date of XX/XX/XXXX. I attending and expressed my reason for failing behind and concern for the excessive fees in the amount of {$5800.00} being charge above what I owed for principal, interest, tax, which at the time was {$9900.00} - {$730.00} an unapplied balance ( I pay insurance out of pocket ). 
Fast forward a few conferences and a lot of conversations with the server XXXX my Modification application was determined complete as of XX/XX/XXXX. XX/XX/XXXX my loan was transferred from XXXX to SNSC. After numerous attempts to contact the new server on XX/XX/XXXX I receive an email from their attorney stating they had received my messages but are not interested in speaking to me and requesting additional documentation which was sent followed by an additional request on XX/XX/XXXX in which all documentation was finalized on XX/XX/XXXX. XX/XX/XXXX I received a letter from SNSC stating I was approved for a modification and should expect a packet in the mail, which I had 14 days to review and return by this time I was corresponding with the server by email. 
XX/XX/XXXX I reached out to the asset manager in reference to the letter and was informed no such thing existed and insurance information was requested of me, which I provided. I proved to her that I had indeed received the letter. 
XX/XX/XXXX I received a really brief email from another rep stating their modification terms, principal will increase from {$180000.00} to {$200000.00} interest rate will increase from 3 % to 5 % and payment will increase from {$810.00} to {$1100.00} for 480 months and requesting two good faith payments of {$810.00} before the XXXX month trial period started on XX/XX/XXXX. I made one good faith payment on XX/XX/XXXX. 
XX/XX/XXXX we had a settlement conference in which the court voiced thire concern for the interest rate hike since it was above current rates and the court advised plaintiff to comply with rates currently being offered if they needed to raise the rate, it was also directed that I receive an itemized explanation of the {$10000.00} in additional fees being charged above total mortgage payments due of {$15000.00}. 
XX/XX/XXXX after a few more emails I received their final Modification offer Initial Rate : 4.50 % for the first 24 months, Step rate will increase to 5.00 % after 24 months all other terms remained the same as last offer. These terms are unfair and have been provided to me via email with no follow up letter stating my rights or available options. I am hoping we can come to an affordable agreement where the final mortgage payment is affordable and hopefully the fees are not excessive.