davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. I received a copy of my consumer report and I noticed a charge off from your company being furnished on my consumer report without my permission. I understand that a chargeoff according to 7 CFR 1956.54 is the writing off of a debt and termination of collection activity without release of personal liability. 

I am also aware that once an account is charged off by your company I should have received a 1099-C from the IRS by XX/XX/XXXX of the following year which belongs as gross income to someone ( me or your company ) according to 26 U.S.C. 61. However, I can state that as of today XX/XX/2022, I have not received NO such item from the IRS. If your company has sent me a 1099-C please show me proof that your company has by sending me a tracking number or a copy of the return receipt with my wet signature showing that I received a 1099C or a notice of receiving one. Please show me PROOF that your company did not commit aggravated identity theft or proof that you did not write this account off by showing me an audit trail as well as your accounting books which is my right as a consumer. If your company filed a 1099C, and you are still trying to collect on this account according to the IRS, you can be reported for fraudulent financial gain. Your company has continued to be willfully negligent throughout the years, and you have YET to respond to me with the items I request. This is my last time requesting your company to send me PROOF that your company did not commit tax fraud, and not furnishing false and misleading information on my consumer reports.
Consumer complaint received 2022-08-03
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$100.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$51.00} XXXX XXXXXXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$660.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2022-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

My loans were recently updated with the PSLF waiver but my " ineligible payment '' count was not updated on my consolidation loans. The ineligible count on my other loans is 24 and the ineligible count on my consolidated loans is still XXXX.

Also, submitted a in school deferment waiver and the months from XXXXXXXX XXXX XXXX have not been added anywhere to my account even though I have a ECF on file covering that timeframe.
Consumer complaint received 2022-04-05
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. (MO)

I sent two dispute letters to transunion along with my credit report with highlighted errors. They said the report was accurate and they didnt have to reinvestigate the matter. The credit report clearly shows differences across all three agencies so they all cant be correct.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED!
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

As on XX/XX/2022, XXXX is INCORRECTLY reporting that I have accounts with XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, and the Department of Education. They have failed to show documents that I have signed stating that I owe on these accounts. They also have my mailing address incorrect.
Consumer complaint received 2022-03-14
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)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021, I sent a letter to Experian, and XXXX addressing a concern about an account that they were and still are reporting on my consumer credit report. 

They are reporting a collection account as an open account with a past due balance and late payments. I have never opened an account with the company reporting, and a collection should not be reported as an open account. 

I have tried to get this matter resolved on my own by writing letters to both of these reporting companies. 

I have tried 4 times via letters and they keep reporting the same status. 

They have also failed to provide me proof that they have conducted a proper investigation to my request.
Consumer complaint received 2022-03-14
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. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I have 2 mortgages with Select Portfolio Services. I was on the Covid or Pandemic Forbearance plan on one of these mortgages due to loss of income for both myself and my tenant. I was originally with XXXX XXXX mortgage co, but Select Portfolio bought that company in XX/XX/XXXX. My forbearance ended XX/XX/XXXX. I received a package regarding a modification plan since my Forbearance was ending. I now have a modification plan in place eff XX/XX/XXXX, which placed the money owed to the back end of the mortgage. I am now trying to refinance my main residence and needed the Modification to show that it was indeed due to Covid, or Pandemic reasons. Select Portfolio told me 3x on the phone today, XX/XX/XXXX, that although they can see that it is actually a Covid Modification, due to my type of forbearance, they can not put it in writing but the mortgage company can call to verify. The mortgage company asked me to try one more time with a supervisor and see what they can do. I spoke with XXXX and she stated that Select Portfolio does not offer any Covid modification at all. That once the Covid program that I was in ended, the option that I had was a straight forward modification. I asked why, since my Covid forbearance ended XX/XX/XXXX and the modification started XX/XX/XXXX, you can clearly see that it is Covid related. She just answered, this company does not offer that to anyone. It is not an option with us. In order for my refinance to be approved, I need to show that this was Covid related, to prove that I just did not feel like paying my mortgage. I am trying to do the right thing and I am getting nowhere. 
When i asked if I can be placed under the hardship again under Covid or Pandemic rules, they said I could not because they are no longer allowing those type of forbearances. Unfortunately, due to Covid, i was forced to retire and my income has drastically changed. the money received from the refinancing would help my family out tremendously. 
Thank you for your time and consideration.
Consumer complaint received 2022-03-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (MO)

Heights Finance Corp, represented by the XXXX XXXX XXXX continues to attempt to or does garnish my wages from " seasonal employers '' they are running credit/job checks without my consent or atleast allowing me to revoke any prior consents, I'm a HOF Head of Family who barely makes it as we are in an economic harship and below the Federal Poverty Level , for a loan I took out many years ago {$3800.00} became {$5500.00} now over {$10000.00} with interest at 28 % post judgement as I unfortunately didn't know what I was signing and a default made interest change from 9 % per annum to 28 % this is highway robbery! My point is as I qualify for a HOF Head of Family exemption in my state of Missouri by law they can't take more than 10 % of my disposal earnings however with the high interest rate I will never in my lifetime being below the Federal Poverty Level be able to pay off this debt therefore pushing me into bankruptcy soon. Shame on Heights Finance and their crooked traits even if loan was never defaulted on and legal never occured and I paid on time I would have never paid this much in interest almost triple the original loan in interest alone! This summer I intend to voice my opinion by a peaceful protest on public property in front of there XXXX Mo location at the sidewalk with a banner and signs lined up stating " Shame on Heights Finance Corp '' do your loan elsewhere!!! A multi-million dollar corporation coming after low income families is unjust and unfair! There attorney was so in effective counsel they could have been paid off by the sale of my house a year ago however the XXXX XXXX XXXX failed to file a certified copy to the circuit court so bad attorney on there part.
Consumer complaint received 2022-08-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-03-14
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 NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022 and XXXX XXXX. The complaint I'm referring to includes complaint number XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX. In that complaint pursuant to 15 USC 1681i ( 7 ), I demanded EQUIFAX send me my REINVESTIGATION results in 15 days of the late payments that I have disputed that they claimed were verified. I asked for the description of the procedures included in 15 USC 1681i ( 6 ) ( B ) ( iii ) that EQUIFAX have taken to receive those results. It has been way pass 15 days and I have not received any " REINVESTIGATION '' results. I have also asked for the written instructions I gave EQUIFAX, pursuant to 15 USC 1681b ( a ) ( 2 ), to furnish this information on my consumer report. Without my written instructions, this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. I have not receive those written instructions either.
Consumer complaint received 2022-08-03
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. (TX)

I have disputed my the reported information regarding my account multiple times. All Student loans, those in collection and not, were put on a federal administrative forbearance during the covid-19 pandemic of XXXX. This was also extended multiple times. These account was paid off during the time it was in administrative forbearance in XXXX of XXXX. The accounts are still reporting as collections and the reporting agency is reporting my account as a collection as of XX/XX/XXXX when this account was paid off and closed XX/XX/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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted lawful factual disputes due to inaccuracies on my credit report, but Transunion and the XXXX XXXX will not correct or delete the accounts as required by law.
Consumer complaint received 2022-08-03
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've contacted the accounts listed below & they told me I've never missed a payment, yet Experian refuse to fix the accounts from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experian 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile. 
XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (PA)

See Complaint ID XXXX. The taxes have not been paid as of today. Taxes are now in collection at the court house and have incurred over {$800.00} in penalties and interest. I am now concerned that this is affecting my credit score. Concerned that my property will be put up for sale for tax collections. I have never missed a payment. I have now involved the State Department of Banking. The on-line escrow with Caliber only shows history back to XXXX, 2021. I have requested a detailed escrow statement showing all transactions since they have owned the loan ( XXXX, 2021 ). Have been told that this will be emailed to me within the next couple days. Have spoke with Caliber 11 times, been hung up on once and told that a supervisor would return my call but never did. Spoke with tax authorities more than twice and confirmed that Caliber has never called, left any messages nor attempted to make any payments. I have discovered via the XXXX website that I am not the only one having this problem with Caliber. Also discovered that Caliber 's license has been revoked in the state of California. I have issued a complaint via the XXXX as well. I would refi my loan with another company if I could get the same 2.75 % loan but that is no longer an option.
Consumer complaint received 2022-02-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.