davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have submitted several disputes with Experian. Trey cant seem to get it right. My vehicle loan is incorrect. I paid a total of {$970.00} to XXXX, however Experian will not update. Trey will just close the dispute and block me from resubmitting, even after they close the original dispute. I have also requested information on a duplicate XXXX XXXX account. This account has XXXX payment history on it which is questionable.
Consumer complaint received 2021-10-07
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2021-10-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I was reviewing my credit and noticed the following inconsistencies which violate my rights as a consumer. The following charge off account listed with XXXX with the account number XXXX has the following inconsistencies and violations. I have attached with this complaint a copy showing all 3 credit bureaus side by side for your review. *The DATE OPENED is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late LAST REPORTED is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late DATE LAST ACTIVE is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies* *The DATE OF LAST PAYMENT is also inconsistently reported across all 3 credit bureaus. This is also a violation* As you know, the aforementioned inaccuracies are a violation to my right as a consumer and also a clear indication that this information was NOT properly verified upon you receiving it. I have faith in this credit bureau to be an outstanding company and protect my rights under the FCRA. Please delete the account from my report immediately and send me an updated copy of my report with the reflected changes.
Consumer complaint received 2021-10-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I was reviewing my credit and noticed the following inconsistencies which violate my rights as a consumer. The following charge off account listed with XXXX with the account number XXXX has the following inconsistencies and violations. I have attached with this complaint a copy showing all 3 credit bureaus side by side for your review. *The DATE OPENED is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late LAST REPORTED is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late DATE LAST ACTIVE is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies* *The DATE OF LAST PAYMENT is also inconsistently reported across all 3 credit bureaus. This is also a violation* As you know, the aforementioned inaccuracies are a violation to my right as a consumer and also a clear indication that this information was NOT properly verified upon you receiving it. I have faith in this credit bureau to be an outstanding company and protect my rights under the FCRA. Please delete the account from my report immediately and send me an updated copy of my report with the reflected changes.
Consumer complaint received 2021-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please help me understand something, Ive been a victim of identity theft. The following accounts on my credit report are fraudulent. 
1.XXXX XXXX in the amount of {$500.00}. Ive never done business with this company nor did i ever enter into a written agreement with this company. XXXX has ignored my request to validate this debt. It has been deleted from all of my other reports. Per FCRA Only accurate information can be listed on my reports. 

2.. XXXX XXXX XXXX XXXX in the amount of {$2500.00} this is a fraudulent account, which was removed from my file earlier in the year. This Account is Fraudulent!! This company never sent me a letter stating they would be placing this on my report, which is a violation per the FCRA, This account is Fraudulent, Please Block/Delete from my report!! Ive never done business with this company or entered into a written contract with this company.
Consumer complaint received 2021-10-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was reviewing my credit and noticed the following inconsistencies which violate my rights as a consumer. The following charge off account listed with XXXX with the account number XXXX has the following inconsistencies and violations. I have attached with this complaint a copy showing all 3 credit bureaus side by side for your review. *The DATE OPENED is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late LAST REPORTED is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late DATE LAST ACTIVE is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies* *The DATE OF LAST PAYMENT is also inconsistently reported across all 3 credit bureaus. This is also a violation* As you know, the aforementioned inaccuracies are a violation to my right as a consumer and also a clear indication that this information was NOT properly verified upon you receiving it. I have faith in this credit bureau to be an outstanding company and protect my rights under the FCRA. Please delete the account from my report immediately and send me an updated copy of my report with the reflected changes.
Consumer complaint received 2021-10-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Experian continue to violate the FCRA requirements on this disputed account. I have proof documentation directly from the credit report showing multiple FCRA violations by Experian with this XXXX XXXX account XXXX. I have circled and highlighted the FCRA violations by Experian for the CFPB review. 

( 1 ) Violation of FCRA illegal re-aging account from XX/XX/XXXX to XX/XX/XXXX. 

( 2 ) Violation of FCRA failure to put required notice of dispute in comments after I have disputed this account. 

( 3 ) Violation of FCRA inconsistent reporting by Experian with this account.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX, XX/XX/2021 I sent letters to the credit bureaus about some bankruptcies that where listed on the reports that wasn't mine. The time those bankruptcies were filed I was incarcerated and I sent documents to the bureaus showing that I was truly incarcerated and they told me that the bankruptcies were being verified by the Bankruptcy courts as verified. So I contacted the bankruptcy court and spoke with a XXXX XXXX she said they don't verify anything with the Credit Reporting agencies they are getting information from a company called Pacer she also said whoever filed the bankruptcies did it themselves no attorney was involved. 
I also contacted XXXX XXXX regarding acct # XXXX and they didn't respond at all. 
I disputed it with the Credit bureaus and they said it came back verified which couldn't be true.
Consumer complaint received 2021-12-20
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. (KY)

I have several inquiries on my consumer report as a result of identity theft. I brought this to the companies attention and these inquiries are still on my consumer report, causing me great financial distress. My proof identity is attached below with my Social security card. These inquiries are as follows : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX. These inquiries pertain to XXXX AND TRANSUNION.
Consumer complaint received 2021-10-07
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: EQUIFAX, INC. (TX)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-10-07
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: Phoenix Financial Services LLC (CA)

On XX/XX/XXXX I received an alert for XXXX XXXX XXXX, a collection from Phoenix Financial in the amount of {$510.00} for a medical bill was put on my credit. I immediately called them and spoke with someone trying to verify my information. Unfortunately they asked if my name was XXXX XXXX, I replied no it is XXXX XXXX XXXX, then she continued to ask me if to verify my address, well I guess XXXX XXXX lives in Colorado, I live in California and finally I was not born in XXXX. The lady proceeded to tell me they were in the wrong and I need to file a police report???? I have disputed this issue with XXXX and they found the dispute in the collection agency 's favor. Outrageous!!!! Please help!
Consumer complaint received 2021-10-07
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. (IL)

Experian recommends credit cards that have exorbitant fees and interest rates, under the guise of " improving credit scores '' by " increasing the amount of available credit. '' This gimmick is then marketed to desperate consumers who then find themselves trapped with a card with low credit limits and fees of at least {$100.00} annually, service charges, 29 % + in interest. One such company XXXX XXXX XXXX offers such a card with high fees, and upon a consumer 's request for an increase- they are reminded of the 20 % fee per {$100.00} in additional credit before routinely denying requests. Although consumers make timely payments, they will never maintain the 70/30 recommended credit use ratio- because the fees and interest usually account for 30percent usage alone.

Experian needs to stop recommending rip-off credit cards, and XXXX XXXX XXXX no longer needs to provide such a deceptive credit product. Consumers credit scores will moreover never increase, and will spend large amounts in fees, interest, and random charges by compaines they trusted because EXPERIAN recommended them.
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Flandreau Santee Sioux Tribe (IA)

I was left a voice message stating that I would be served legal papers for a court date on XXXX XXXX, 2021. I called the number back and was directed to a so called lawyer. This lawyer tried to get personal information and stated that I committed wire fraud on an loan with Rushmore Financial. I began to laugh, as I have not conducted any business with this company. Then the lawyer hung up. The phone number that called was a local area code, XXXX.
Consumer complaint received 2021-10-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

i have attempted to dispute an error on my credit report with experian and they are unwilling to help, they claimed they investigated my dispute the same day i disputed, the error is that XXXX is reporting my account late 6 times which is a complete lie and the other error is that this is a corporate credit card which never should have been allowed to be reported to my credit report. Our company has had this card for 4 years and never once has it been reported to my personal credit until this month. 


Account info Account name XXXX CARD Account number XXXX Account type Credit Card Responsibility Corporate
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CO)

On XX/XX/2021 I made an online purchase of {$10.00}. Later, I realized that Elan Financial Services that manages my credit card through Fidelity Investments charged me a " cash equivalent fee, '' of {$20.00}. On XX/XX/2021 I learned that I am being charged minimum interest fees as well of {$2.00}. Sometime last week, I called the credit card company to dispute the charge and was basically told to go and fly a kite because I should have known that the charge was considered to be an online casino. When I made this online purchase, there was no warning that this would be considered a cash advance. I find this practice to be misleading and borderline fraudulent. As such, I urge the XXXX to launch an investigation whether Elan Financial Services knowingly " hides '' information in order to be able to charge ridiculous fees - imagine {$10.00} purchase, receives {$20.00} fee, plus {$2.00} continued interest.
Consumer complaint received 2021-10-07
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: LEXISNEXIS (OH)

RE : 2018 Bankruptcy Case # : XXXX I am writing to dispute the following bankruptcy information in my file. Please remove my 2018 discharged bankruptcy information from my credit report. This is a direct violation of 15 usc 1681 ( a ) ( 4 ) Infringed upon a consumers right to privacy, and 15 usc 1681b ( a ) ( 2 ) - In accordance with the written instructions of the consumer to whom it relates. Please delete now.
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (CO)

On XXXX, my identity was stolen and a checking account was opened in my name using my information at Huntington Bank. The emails I received appeared to be fraudulent so I ignored them. I was notified on XXXX, by XXXX XXXX, that the account was real and opened, so I contacted Huntington Bank the same day to inform them of the fraud and ask that they close the account. I was told they'd need 30 days to investigate and close the account. 

I've contacted them three times since then, include by mail, to ask if the account was closed and to ask that they provide documentation that the account was closed and I'm not financially responsible for anything related to the account. They refuse to provide an update on the issue and have stated that nobody can tell me when things will be resolved.
Consumer complaint received 2021-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (GA)

On XX/XX/XXXX I received notification from my insurance company that my homeowners insurance policy had lapse due to my mortgage holder 's, Flagstar Bank, lack of payment. On XX/XX/XXXX I called Georgia Farm Bureau and had a three way call with a representative of Flagstar bank to make sure my information was entered correctly for payment. Flagstar assured us the payment would be sent to the provided address via FedEx overnight shipping since the policy was over 30 days late. On XX/XX/XXXX I received another notification from Farm Bureau stating my homeowner 's insurance had lapse again and my insurance agent had called and again requested an overnight check. I called Flagstar to get the information for the tracking number but was told the check was sent via USPS Non-Priority mail to the incorrect address. When I requested to cancel the check and send a new check via overnight I was told this was not possible. 

During this process I requested the homeowners insurance be removed from Escrow so going forward I could handle payment since Flagstar is obviously incapable. I was told to remove the homeowners insurance from my account I would have to pay a fee of .25 % of my total outstanding house loan. Flagstar 's inability to handle their basic escrow responsibility and charging me for control over my own money is an unethical attempt to control assets that do not rightly belong to them. I am appalled at the level of service I have received and, if given the opportunity, I would move my entire mortgage + escrow accounts to another entity.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for 5 times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2021-10-07
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. (NY)

Account for XXXX was sold to XXXX XXXX XXXX and it was removed. Now in XXXX its been sold to another company and its back on my credit report. That account should be closed permanently.
Consumer complaint received 2021-10-07
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. (PA)

I pulled my credit report and seen the negative items reflecting on my report for some reason and I dont think or believe it should even be up there because its false and its hurting me from doing what I need to do for my family and it need to be removed. I wrote up a dispute letter on XX/XX/2021 and sent it out certified so I can keep track of my letters because the credit bureaus are quick to say they didnt receive anything. Im also going to attach my the letter here with my proof of address and return receipts for when I sent out my letters. Please help me with this matter I would greatly appreciate it!
Consumer complaint received 2021-10-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (NY)

I want to understand why are banks charging customers for past due interest during the Covid-19 Mortgage forbearance process? I can call out two specific banks, XXXX XXXX XXXX  and Quicken Loans. Both are charging customers interest that would have been part of missed payments during the forbearance and by default increasing principal balance of mortgage account.