davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FactorTrust, Inc. (TX)

Was told this company reporting Credit background information on me. Company called FACTORTRUST.com. When i contacted them and discovered, old information 5plus years, accounts i have never heard of, derogatory information ( false information on me ), and my XXXX XXXX  discharge in 2020 removes any creditor information. This company refuses to update, report accurately, remove information that negatively affects me that's inaccurate or false. After contact and verifying my identity, the company responded to my requests as follows " Good Morning, We are in receipt of your dispute and have started the investigation process. Please provide us proof and back up supporting your claims, including a copy of a valid police report or an identity theft affidavit for any fraud related dispute items with corresponding dates. This supporting documentation can be mailed in to us. If you have any questions or concerns, please give us a call at ( XXXX ) XXXX. 
Thanks, Consumer Support FactorTrust, Inc. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX I verified who i am but the excuse to remove this information and yet report to companies such as XXXX has negatively impacted me. I have never received any report of any information from this consumer reporting agency associated with XXXX. I have had similar problems with XXXX. This company refuses to follow consumer guidelines and refuses to update or remove invalid information that is 5-10 plus years old that dishonest, out of date, or simply false and requested proof of such accounts but they are making ME get a report of identity theft to remove this information THEY are reporting without a Registration to the Consumer Financial Protection Bureau .

They have never showed up on any report until now and have been giving false information on me.

I have requested the proper information be updated and removed and they have refused under the guise they have to have ME do an identity theft report in the middle of buying a house. They are reporting on consumers without notifying consumers they are doing so and have old, outdated or false information they have no investigated or accurately reported on consumers and therefore breaking the law and hurting consumers by negligence.
Consumer complaint received 2022-07-28
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. (TN)

This complaint is in regards to XXXX XXXX on my credit profile This account is in Litigation due to fraudulent activity and also concerning your companies 2017 data breach ( Equifax ) this letter and complaint is also for XXXX, which has cause numerous damages to my consumer profile and my ability to obtain credit. It is Equifax and XXXX job to report all accurate information, but yet i have an account on my consumer profile that is a fraudulent account and is in litigation because of identity theft i am a veteran and i contract in different countries and find myself victim of fraudulent activity due to me not being stationed stateside and i notice these fraudulent accounts upon my return. 
15 USC 1681 C-2 Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as info that resulted from an alleged identity theft, not later than 4 business days after date of receipt! 
Remove this account asap from my consumer profile and all missed payments associated with XXXX XXXX which is in litigation due to Fraudulent activity with this account!
Consumer complaint received 2018-12-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

My complaint is primarily with NationStar/Mr. Cooper Mortgage Servicer on my mortgage.  I was notified by new transferred mortgage servicer - XXXX  - that my loan was being transferred effective XX/XX/2018 onXX/XX/2018.  NationStar never sent a single notification of this servicing transfer.  Then I was notified by XXXX that the investor of my mortgage was changed from XXXX XXXX to XXXX XXXX effectiveXX/XX/2018.  (Notice was dated XX/XX/2018.)  NationStar NEVER notified me of any change to the investor of my loan, which preceded the  change in servicer, effective XX/XX/2018.  Additionally, NationStar NEVER notified me of an ARM adjustment which should have been sent the latter part of XX/XX/2018.  The new servicer does not have that document either.  NationStar should not be in the business of servicing loans if all they want is to buy and sell loans.  This was a tremendous inconvenience as I was in the  middle of a HARP refinance and now (after the fact)  I find XXXX XXXX "stepped away" as investor.  Presumably because the projected new servicer did not wish to work with or comply with XXXX XXXX regulations.   I will contact the FTC, CA Banking Regulator and anyone else necessary to rectify this non-compliance situation.  Thank you and look forward to a response.
Consumer complaint received 2022-09-26
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. (GA)

As a consumer/ natural person/ living man, I am enforcing my rights. 
EQUIFAX is in clear violation of the law of 15 USC 1681b ( 2 ) - Permissible purpose of consumer reports. I did not give EQUIFAX written permission or consent to furnish accounts on my consumer report.

Furthermore, EQUIFAX is in violation of the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states that transactions and experiences are not to be included in a consumer report.
And further, EQUIFAX is invading my right to privacy and are not adhering to 15 USC 1681 ( a ) ( 3 ) & ( 4 ). They are not exercising their responsibilities with fairness, impartiality and privacy. 

THE LAW IS CLEAR and I want these accounts deleted immediately from my consumer report. Here are the accounts : XXXX Account number XXXX Account number XXXX
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MO)

On XX/XX/2022 I got a email from chime stating my account was closed due to Account does not comply with internal policies and/or the member agreement & your account is not in compliance with your Deposit Account Agreement. And they will issue me a refund check. But I dont understand I dont have any fraudulently activity on my account. I constantly contact them for some to explain exactly whats going on because they literally have all of my money. I can not pay any of my bills and XXXX XXXX. The last charge that I disputed was Right touch beauty for {$1200.00} for scamming me and damaging my hair and chime denied my claim. So I sue her in small claims court and won the case.
Consumer complaint received 2022-10-08
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)

This correlates to my prior complaint on XXXX XXXX XXXX. 
XXXX XXXX XXXX  has reported to CRA on XX/XX/2022 that I am at or over credit limit before addressing their problem at fault of not accepting my payment. This not being reported correctly, and I feel inaccurate account balancing has occured. Previous issues have been corrected, payment method mysteriously works now as well as late fees returned however I have been damaged by an adverse action that requires immediate response and correction as this act has prevented me from obtaining additional credit needed causing much stress and emotional strain.
Consumer complaint received 2022-10-09
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)

account # XXXX from XXXX XXXXXXXX has inaccuracies thats violating of FCRA requirements... 
date last active : XXXX XX/XX/XXXX experian XX/XX/XXXX, XXXX XX/XX/XXXX last payment : experian XX/XX/XXXX XXXX XXXXXX/XX/XXXX Therefore all this errors and inaccuracies makes this report invalid ..must delete from my credit report...
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

I went to purchase a car from the dealership and I discover that there were hard inquiries on my credit report. These are the inquiries that are errors in my report : US SM BUS ADMIN ODA INQUIRY DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-10-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/2022, I filed a dispute for a debit card charge on my USAA Checking Account for a partial amount due to an incorrect amount charged by the merchant 'XXXX  XXXX XXXX XXXX on XX/XX/2022. XXXX merchant was contacted multiple times to correct the issue, all to no avail. The merchant 's lack of communication necessitated the dispute. 

As per USAA 's representatives, the bank allows a time-frame of 180 days after a charge occurs to file a dispute. I filed the dispute at 166 days, which was within the time-frame. Nonetheless, USAA rejected the dispute due to " untimely filing ''. 

USAA also noted that they " could not find an error with the charge ''. However, the bank failed to contact me to request documentation regarding the error. 

I wrote a letter to USAA Federal Savings Bank on XX/XX/2022 to refute this rejection of my dispute. The letter outlined the inaccuracies in the rejection notice. It also supplied the documentation that they failed to request from me. Unfortunately, USAA did not respond to my letter. I re-sent the letter multiple times by fax, most recently on XX/XX/2022, but they have still been unresponsive. It should not take two months to respond to a letter.
Consumer complaint received 2022-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 120 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a XXXX 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 Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me 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 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 87 times. transunion 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 homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I tried to get company to pull my son and my daughter off of my policy as neither of them live with me any longer. They refused to change my policy to reflect the new changes and advised them that I was going to cancel my policy with them and look for more affordable options for car insurance. I did cancel my policy and went to XXXX at that time and then approximately a month later they placed a debt collection on my credit report. I have disputed this on my credit report and I have not heard anything back. Any help getting this removed from my credit would be greatly appreciated. I have 100 % payment history other then this ding on my credit. Thanks for your time and attention. BTW I am currently back with XXXX XXXX because they were able to offer me a super low rate now with a new policy. If they had just donr this prior I would have never left and gone to XXXX. 

Best Regards, XXXX XXXX
Consumer complaint received 2023-04-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Kashia Services (CA)

This company is XXXX people how need a little help. Ive had payday loans befor but this was ridiculous. The original loan was XXXX. I paid XXXX over XXXX  months and today I paid it off for XXXX. It went up!!! Not down. This company is taking advantage of people. No one can afford this! Why is this even allowed?
Consumer complaint received 2022-09-26
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which a
ntedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-26
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. (MO)

Dear Sir or Madame : I am writing this complaint today regarding a failure to investigate and respond to my dispute. I have written three letters, two of which have been received by Experian, and have not received a response. I have included return signature mail receipts showing they were received. The first dispute and request for investigation into the accuracy of their records was received XX/XX/2022, and did not receive a response. I followed up with another letter dated XX/XX/2022 that contained a copy of the original dispute letter that did not receive a response from XX/XX/2022, as well as notice that they had not responded, and another dispute and request for investigation. The post office was unable to locate this certified letter, as one of the mail reciepts attached shows. Upon notification of this error by the post office I wrote another letter dated XX/XX/2022 notifying them that they had failed to respond to my dispute and request for investiation into the accuracy of their information. I enclosed a copy of both previous letters and mail receipts, and sent this letter certified return receipt electronic signature as well. The documents attached show the dispute was received XX/XX/2022, and have not recieved a response that was due by XX/XX/2022. This may be considered willful non-compliance under the requirements pursant to the Fair Credit Reporting Act. One negative entry in particular regarding XXXX XXXX, XXXX is a problem due to the fact that it is inaccurate and they have failed to investigate or validate the information reported, and Experian has been complicit by having failed to investigate or verify the information, as they have not responded. I have written a seperate, but related, complaint regarding this collection company as well. The reference number for that complaint is Complaint Number XXXX. I have attached all documents to support this complaint. My suggested solution would be that Experian respond to my dispute and properly investigate the information contained in the original requests, or remove the unverified inaccurate information, as required by the Fair Credit Reporting Act.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AES/PHEAA (CA)

XXXX  XXXX XXXX has multiple balance increases in a row on my XXXX  and XXXX  credit reports that need to be removed, as my credit score has plummeted because of it. I contacted XXXX XXXX XXXX   and they said this never should have happened but those ticks against me are still there!
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want the inquiries gone. I have an extensive and well maintained credit history, with plenty of income and I cant get approved for a XXXX thing!
Consumer complaint received 2022-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (TX)

The original collector was XXXX XXXX. The debt collection company name is RentDebt Automated COL. In XX/XX/2021, I paid the full balance. This account is closed and paid off. This is effecting my credit report and also effecting my ability to get business funding. This information reporting to my credit report is incorrect and not accurate.
Consumer complaint received 2021-11-16
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Santander Consumer USA Holdings Inc. (CA)

NOT abusive language, but a language problem. 

Received a call from " Chrysler Capital Lease Loyalty, '' asking for me by my full first and last name. They said they wanted to ask me a few questions about my recent leased vehicle. Asked me to verify the vehicle I leased, my date of birth ( I refused ), and then my mailing address. Only then did they identify themselves as a debt collector attempting to collect a debt. If I had known they were a debt collector up front, I would not have given them my information and would have told them to stop calling me and hung up. If they had started the call by identifying themselves as Chrysler Capital collections, or XXXX XXXX, or anything like that, it would have been fair. Identifying themselves as " Lease Loyalty '' makes it sound like they're conducting a survey or something, making consumers more likely to stay on the phone. This smells of hiding their true purpose. 

Additionally, the debt in question was a lease-end payment, the total of which was determined less than 90 days ago. I couldn't afford to make the whole payment at once and had split it into three payments. Two had been made, and the third was actually made a few days before this call, though it hadn't posted yet. Sending collectors after a debt that's less than 90 days past due, with payments made along the way, is just bad business. 

Note that there had been no written communication, no statements sent after the initial one indicating that any payments had been made or what the updated balance was. Furthermore, my credit report shows less than the actual balance owing, the Chrysler Capital website shows a different amount less than actual balance owing. I have no way other than my own accounting to know what the true balance due was - the amount the collector agreed was the balance. They never sent me anything that showed I owed the amount that was actually still due on the account or asking for that payment.
Consumer complaint received 2020-10-06
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. (MO)

My identity has been compromised and left unknown accounts on my credit file.These accounts are obviously derived from identity theft. Pease remove the following accounts.

1 ) Dept of ED/ XXXX   {$11000.00} 2 ) Dept of ED/ XXXX {$6800.00} 3 ) Dept of ED/ XXXX {$12000.00} 4 ) Dept of ED/ XXXX  {$5800.00} 5 ) Dept of ED/ XXXX  {$10000.00} 6 ) Dept of ED/ XXXX  {$4500.00} 7 ) XXXX XXXX XXXX
Consumer complaint received 2022-10-08
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. (CO)

Credit Card company closed my account due to an error on their end. I did not close the account and i do not want to close the account. I have a current complaint issued with them on this matter. They are now reporting on my credit report that the account is closed and that the customer closed the account ..... Which is false. I did not close the account.