davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2020-08-29
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. (MI)

On XX/XX/XXXX I have noticed that there are some erroneous information on my eport and I have contacted the 3 major bureaus regarding this information. I have been working diligently on my credit. It has been very tough during this pandemic and trying to keep up with the finances an all but I have contacted the creditors in relations to the errors that were made on my report and I have not seen a change I am requesting that all the items that are being disputed be removed immediately due to the COVID 19
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Dave Operating, LLC (FL)

Ive never once made any suspicious activity with this bank and therefore they closed my account for no reason. My mom and dad would send me money from time to time always less than XXXX $ and Id put it on my Dave card for regular spending habits like gas or groceries. They closed my account without warning and refused to give a reason. I had funds in that account and I needed it for gas to get to work. They offered no opportunity for me to remove my funds prior to them randomly closing it either. After doing research I found that they were apart of a massive data breach while I was a member so my information got out there and they never even told me, and people whove never even heard of them have been charged for hundreds of dollars they didnt authorize. This place is obviously a scam and I wish I knew sooner. They need to be shut down immediately.
Consumer complaint received 2021-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

The bank sent me a letter with my current loan number and my new servicers loan number for the home were closed last month, so I used the instructions on the letter and on the websites of both servicing companies to attempt to establish an online account to pay my bill. The website for both servicing companies says my loan doesnt exist no matter what loan number or identifying information I provide, so I have no way of knowing how to make my payment safely and securely by the due date on XX/XX/2021. I do not feel safe mailing a check with my bank account information to either loan servicing company because neither of them can tell me if I have a loan account with them. I believe this is an undue burden placed on me by both servicing companies, because I work during their call center hours, which means I have no alternate means of inquiring about my loan. I do not have time to play phone and email tag, and their customer support teams lack the training they need to help me. You never get the same answer twice, and you have to just pray to a higher power that their websites work on any given day. I have no other recourse apart from this complaint, so I hope it helps XXXXXXXX XXXX  and CMC Funding Inc find the motivation to help me get my bill paid on time using a safe and secure method of payment.
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XXXX I went on the bank site and saw an overdraft of XXXX I was told by the bank that i cashed a check. However I asked it had my signature on it .. they told me no. They said they sent me that amount of money to my account but I personally never received it however in XXXX around the XXXX I had lost my purse with my phone and cards and i had reported it them .. Im only XXXX I didnt know I had to reported it the police as well .. when I bought a new phone I logged in and saw the transaction that was made however I reported it the bank and they told me that there was nothing they could do! I dont work Im on my own and I cant Pay back for something I dont know about
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Hello, I have fixed a problem with a XXXX acct reporting as mine several times now. It was removed from my credit twice due to dispute and now appears on my credit for a 3rd time. I have disputed previously through both XXXX and the credit burau. Now XXXX has gone backnon my credit fir the same account under a collection agency named XXXX XXXX XXXX. 
On XX/XX/20 i called XXXX XXXX XXXX and explained what was going on. she told me I had to dispute through the credit bureau again. Please stop this cycle and correct my credit file.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act these companies has violated my rights and have been reporting WITHOUT my consent. 

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 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 An 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. 


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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The account in question is a private student loan debt originally serviced by XXXX XXXX and given to XXXX, then purchased by the XXXX XXXX to the best of my knowledge. The amount is {$28000.00}, and was purchased by the XXXX XXXX XXXX XXXX XXXX never paid this account, as I was still in XXXX study, yet it showed payments current up until the summer of XXXX. The account was closed in XXXX, and reflected a delinquency on my credit report. I consolidated my loans when I went to graduate school in XXXX. I think that information may have been used against me to keep the account open and delinquent. My other loans that were included in the consolidation were not taken off my credit report, but they should be coming off in XXXX of XXXX. Albeit XXXX  years too late, at least they're finally coming off. The account I'm reaching out about is supposed to come off in XXXX of XXXX. I've disputed these accounts multiple times after consolidating my loans to no avail. My credit report reflects a poor payment history despite not missing a payment in years and having no delinquencies in over XXXX and a half years. This has adversely affected my credit report with inaccurate information for years, and I'm not sure how to dispute it so that it comes off. I was recommended to you by XXXX. It has costed me in loan denials, paying exorbitant interest rates, credit line denials or small limits, business loan and credit denials, additional inquiries searching for a flexible lender, and has unnecessarily affected my life negatively.
Consumer complaint received 2023-06-20
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. (NY)

account takeover fraud, ID theft, etc previously resolved with local police, FTC & iC3 per links below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please update to XXXX  balance, never late, no charge off or delete line immediately so that correct history can be attached to new profile created for safety ( pending this institution 's update for over 12 months ) XXXX & XXXX
Consumer complaint received 2021-06-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC (NC)

I've spent so much cash getting my car repaired for the past two months just to find out its a recall on my engine. I ended up losing my job due to this! They are still asking if I can make payments! How? I can't even afford a rental because I don't have the {$200.00} deposit! If it didn't require that, I would have been able to afford it! I got kids! This is non sense. My car suppose to be fix by next wednesday. XXXX CONFIRMED IT WAS MY ENGINEEEEE! NOT MY FAULT!! but i'm so far behind on my car payment its ridiculous! It's not even my fault! All the money I spent on my car could have been used towards my car payment now i'm without a job. I certainly don't deserve a repo! The lady who sold me the car told me this was a great car, practically new. I get it! I had it for a year and the engine gone. The company should have known about the recalls because it was back in 2017. They should have had XXXX inspect before selling!! I was on the highway when it happened. I could have lost control of my vehicle. There's already been a lawsuit in the past. I hate to even take it that far but they need to know what they are selling! My family is affected! I'm the sole provider of XXXX toddlers! A XXXX year old and a XXXX year old who go to daycare! I lost everything!!! Then yesterday, XX/XX/XXXX A man came by and picked up my car. He stated it was because my engine recall & Byrider needed to look at it. He said I will get my car back in 2 to 3 hours. On top of that, I got dinged on my credit report for being 30 days late but I honestly had a valid reason because XXXX couldnt look at my car any sooner and due to covid I couldnt get a loaner car. I would like that deleted of my credit report. I spent money on repairs before I knew it was the engine and XXXX wasnt trying to reimburse my money. That was the money for my car payment. I ended up losing my job due to the slow process of getting my car fix. I cant afford to have a repo on my credit. I could understand if I wasnt making my car payments because I didnt want to but I had a reason. I also kept in contact with cnac manger about whats going on. Thats my only transportation, Im the sole provider for my XXXX year old & XXXX year old. Without transportation, I cant find a job and I stay in a XXXX county town so theres no free transportation. I just got my car back, even when I find a job, it takes 2 weeks to get paid. I been putting in application while I wait for unemployment but now if I get an interview, I dont have a way. This is crazy! it's not like I didnt want to make my payments on purpose. I couldn't. I lost my job, how could I afford a rental?
Consumer complaint received 2020-08-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX On Line Banking through XXXX XXXX to B of A for XXXX for Mortgage payment. 
XX/XX/XXXX Verified payment was received with B of A. Not Received XX/XX/XXXX Verified again and no payment. Called B of A and CSR person advised me that no payment was received again. B of A CSR advised me that they did an update on their mortgage window and everything was in limbo. Called XXXX XXXX  to verify they made the Mortgage payment. They did and they gave me the number of the electronic transfers to B of A. 
XX/XX/XXXX Called XXXX XXXX and the bill pay CSR opened a case. 
XX/XX/XXXX Went to my local XXXX XXXX branch and they made a few calls. They assured me they were working on it. CSR at XXXX XXXX  gave me his number to keep in touch. 
XX/XX/XXXX Called my local branch CSR person and they didn't have any further details. 
XX/XX/XXXX Made 2nd payment via bill pay from XXXX XXXX to B of A for the same amount as the XXXX payment. Didn't want to incur any late charges. 
XX/XX/XXXX Checked B of A on line banking and my payment was received. However, they applied all wrong. Called B of A and advised them they corrected ti within 24-48 hours. 
XX/XX/XXXX - 27 called numerous times to B of A and finally on XX/XX/XXXX received a case number. 
XX/XX/XXXX Called for an update and CSR person said no results yet. Advised B of A that no XXXX payment would be made until the matter is resolved. 
XX/XX/XXXX Still missing my original XX/XX/XXXX payment. VERY FRUSTRATING!!!
Consumer complaint received 2020-08-29
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. (MI)

On XX/XX/XXXX I have noticed that there are some erroneous information on my eport and I have contacted the 3 major bureaus regarding this information. I have been working diligently on my credit. It has been very tough during this pandemic and trying to keep up with the finances an all but I have contacted the creditors in relations to the errors that were made on my report and I have not seen a change I am requesting that all the items that are being disputed be removed immediately due to the COVID 19
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CT)

During the month of XX/XX/2020 i got Refinance mortgage loan locked with interest rate at 2.375 % with Loan depot for my Multifamily 2 duplex house. They made me to wait more than 100 days to close the deal where i lost most of other companies who were offering me better deals. 

During the final hours of the closing the company raise the interest rate 1 % more to 3.375 % claiming it to be an investment property. All terms and conditions were discussed during the initial hour of lock in. I did not agree to this deal and requested refund of the payment used to lock the interest rate. I called up customer service and immediate production manager regarding the issues and he promised to refund the amount. 

Currently neither the company offers me a refund nor continue with existing interest rate at 2.375 %. the company is been duping the customer and forcing them to get the rates locked up. 

I need your assistance to get this resolved. 
Thanks
Consumer complaint received 2020-12-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. It's been over 60 days later I have not received a response yet. I truly feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 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 XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2020 I was checking muy report through XXXX XXXX and I realized that my score went down 51 points. All of the accounts were removed and my mortgage was removed as well. I am very serious about my credit and I have been struggling so hard to get my credit together. I pay my bills on time. This is very annoying during this pandemic. I am having XXXX due to this. I went on back on XXXX XXXX   Saturday XX/XX/2020 and noticed that the some of the information was placed back on my report after I made the phone call to XXXX  on Friday XX/XX/2020. I spoke to XXXX the customer service rep and also XXXX the supervisor which told me there was nothing that could be done and that someone sent in a letter requesting that this information be taken off. I was asked if I had any third party apps and XXXX   stated that they do not report the correct info. I said to them how is that possible. Why would they not report the right info if they are representing your company. She said we sell your nfo to them. I feel that my right s have been violated and I want something done immediately.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2020 I was checking muy report through XXXX XXXX and I realized that my score went down 51 points. All of the accounts were removed and my mortgage was removed as well. I am very serious about my credit and I have been struggling so hard to get my credit together. I pay my bills on time. This is very annoying during this pandemic. I am having anxiety due to this. I went on back on XXXX XXXX   Saturday XX/XX/2020 and noticed that the some of the information was placed back on my report after I made the phone call to XXXX on Friday XX/XX/2020. I spoke to XXXX the customer service rep and also XXXX the supervisor which told me there was nothing that could be done and that someone sent in a letter requesting that this information be taken off. I was asked if I had any third party apps and XXXX   stated that they do not report the correct info. I said to them how is that possible. Why would they not report the right info if they are representing your company. She said we sell your nfo to them. I feel that my right s have been violated and I want something done immediately.
Consumer complaint received 2022-05-18
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. (NY)

XX/XX/XXXX I settled and fully paid off an account with a company, XXXX XXXX 

Two of the main credit reporting agencies updated my credit report to show paid with a XXXX balance. However, Experian never updated my report. It shows the account closed, but with a balance of {$2900.00}. 

I called Experian and asked them to correct the account ( I did not record the date ). That got me nowhere. 

On XX/XX/XXXX, I submitted a dispute online. They added a comment stating I disputed the account and it was resolved, but the balance still remains. I also submitted a dispute with supporting documentation by mail with no resolve. 

I called XXXX XXXX directly and asked them to notify Experian of the paid in full status. They said they had already notified all of the credit reporting agencies, but would notify them again because of my situation. 

Still no resolve. 

On XX/XX/XXXX, I contacted XXXX XXXX again. They stated they would notify Experian again of the account status and XXXX balance. 

XX/XX/XXXX, I tried to submit another dispute with Experian. Their website blocked me. I mailed another dispute and called again. I was transferred and left on hold. 

I have been denied credit because of this account. I am working with a bank now who said they were not yet certain if they would approve me because of this outstanding balance, even with the letter from XXXX XXXX and the canceled check. 

This has become urgent. My rate is only locked in until XX/XX/XXXX. If this takes longer to resolve, I will be paying a higher rate due to the increase in interest rates. 

Please help me. They are ruining my financial future and security. 

I have names, phone numbers and addresses of people I have spoken to. I wasn't sure if I should list them here.
Consumer complaint received 2020-08-29
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. (KY)

I made the final settlement payment on this account in XXXX. The payment cleared my bank account of XXXX on XX/XX/XXXX. I have since contacted XXXX XXXX XXXX 3 times regarding this matter. I have submitted disputes to each credit bureau. As of XX/XX/XXXX when my most recent dispute was resolved and the account was reported to the credit bureaus the account is stilll showing as open and delinquent. Each contact I have made I have just been told to submit a dispute ... this is clearly not working as they are still reporting the account as open and delinquent.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

Since 2012 I have been adding a fraud alert through Equifax but yesterday when I call to add a new fraud alert instead of getting the automatic system I got an agent after providing my social security number and other verification info requested the agent said that he would not be able to add my fraud alert unless I sent copies of driver license and copy of social security card according to him to proof my identity information that I had not needed to provide for 8 years.