davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
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. (NV)

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 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I have been making additional escrow payments for 2 years now. I have been sending separate checks from the actual monthly mortgage and was told to put in the memo field " additional escrow ''. Per my Credit Union ( XXXX XXXX ) they confirmed that all payments that went out for {$50.00} to LOANCARE did indeed have in the memo field that it was for additional escrow. When I received my escrow statement stating it was short I immediately called. I spoke to XXXX who was very apologetic and said he would have those payments applied properly. He also said I should be getting a refund. He said he viewed the checks and verified the memo. When I called 2 days later, I was told by a rep, and then her, superior XXXX XXXX escalation agent ) that they can only adjust the account for 6 months but they misapplied the payments for 12 months. I was also denied an audit on my account from XXXX ( escalations agent ). I am refusing to pay the increase mortgage amount i XX/XX/2022 when I overpaid the escrow. Per my insurance company, my insurance increased {$41.00} from the prior year and my taxes increased a total of {$200.00} from the prior year. I need this resolved. When I continue to make the same mortgage payment due to their error I DO NOT want my credit report to reflect a past due. My current credit score is clean with a XXXX score of over XXXX.
Consumer complaint received 2023-03-23
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX XXXX Open Date : XX/XX/2019 Balance : {$0.00}.
Consumer complaint received 2022-06-24
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. (VA)

I have been disputing fraudulently, incorrect information, accounts that do not belong to me, accounts that need to be deleted and removed due to length of time, etc. and I have noticed that in the last 3-4 years my score with Experian no matter what has only updated from a XXXX to a XXXX and I want to know why this is the case. I no longer see XXXX XXXX XXXX listed on my credit report with them due to the length of time but no increase in my score. I have made on-time payments, etc but no increase with regards to my score. Why is this the case and why hasn't my score changed, updated, etc with them in 3 years and when it did only by XXXX points  given the fact that I have lost 100 or more points with them as a result of incorrect and negative information and my score in 3 years has only increased from a XXXX to a XXXX. Why is this the case? I want an investigation launched into this because something is not right here at all. My score should have increased tremendously by now as a result of items being deleted, removed, updated, etc. but it has not. This is not normal to me and even when I was working and making payments on time etc my score was always at a XXXX after I lost 100  points or more and I never ever received the full amount of points back that I lost as a result of anything. Credit bureaus have to notify you of any information that is deleted, removed, and updated with regards to your credit reports and this has not been the case with me in dealing with Experian either.
Consumer complaint received 2021-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

XXXX XXXX  XXXX DBA USAA has been dishonest and deceitful to me as a consumer. They are charging me unnecessarily for PMI/MI on my home loan. In XX/XX/XXXX, I submitted a request for XXXX to remove the XXXX PMI monthly charge from my mortgage loan. XXXX sent out an appraiser who low balled me on the appraisal although USAA/XXXX  had completed a higher appraisal just a year prior for my refinance. On XX/XX/XXXX I sent a certified letter to USAA/XXXX  requesting a copy of the appraisal they used to deny removing the PMI. I also requested that USAA/XXXX remove the PMI because based on the calculations, the PMI should've been terminated from the loan automatically. I have not heard anything from USAA/XXXX and as of today, XX/XX/XXXX, XXXX is still charging me PMI or MI. 

According to USAA, my home is worth {$170000.00} vs what I owe {$100000.00}. 

As a consumer, XXXX has violated my rights and continues to charge unnecessary charges on my loan.
Consumer complaint received 2022-06-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I've filed multiple complaints with Experian and asked about this dispute multiple times ; they took longer than 30 days to give a resolution ; and stated that they forgot the dispute number and to just file again. Every time there is a resolution ; I call to find out why they decided one way and I never get any information. 

I was not notified of the student loans correctly and they sent information to an old address from my freshman year in college of the loan being due. This has adversely impacted my credit and I have not been able to get any information from Experian! 

- XXXX XXXX
Consumer complaint received 2022-06-14
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)

I am a victim of identity theft please see attachments I have included with this case and completed identity theft affidavit Also please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 USC & 1681 c-2 ) Which information must be removed within four business days of receipt Understand under ( 15 USC & 1681B ) gives me the power to control everything on my report Im again understand this company will be held criminally liable for aggravated identity theft pursuant to ( 18 USC 1028A ) Extortion theft by deception, securities fraud, and mail fraud. upon the receipt of the documents herion and of this notice you are hereby notified pursuant UCC 1-2021. Your prompt attention and response are both requested in required This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 

15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Account : XXXX XXXX XXXX XXXX Account number : XXXX Open date : XX/XX/2021
Consumer complaint received 2022-06-24
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. (NY)

in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-06-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (WI)

A collection agency, Jefferson Capitol System, is attempting to collect a debt on one account 3 times. I only have knowledge of one account through the cellular company who contracted them, and the cellular company has verified that I have only had one account with them. Jefferson Capitol System has made 3 separate entries on my credit report and they are refusing to delete 2 of them, through a dispute with the credit companies XXXX XXXX, XXXX, and XXXX ) making it impossible for me to contact them to verify that the debts are actually mine, and to pay them if they are.
Consumer complaint received 2022-06-24
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. (NY)

n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions XXXX XXXX XXXXXXXX XXXX 
Account Number XXXX XXXX XXXX XXXX. 
Account Number XXXX
Consumer complaint received 2022-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX u.s.c XXXX SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 


Sincerely XXXX XXXX
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

My credit card ending in XXXX with Chase is overpaid by over {$3000.00}. I initially made a {$3000.00} dollar payment to XXXX XXXX in XXXX XXXX Florida for a down payment to car which I later returned. XXXX refunded the {$3000.00}. On the same day I made a payment to XXXX, I also made payment from my checking account in the amount of {$3500.00} to cover the payment to XXXX and any other balance on my card ( I usually keep a XXXX balance on my credit cards ). 
The result of the XXXX refund and my {$3500.00} resulted in a balance due me of over {$3000.00}. I called Chase, my credit card bank to request a refund back to my checking account. The supervisor assured me the refund I requested was going to be put back in my account ( {$3300.00} ). I was made aware to made aware today XXXX when I called Chase after a 50 minutes wait on the phone that the supervisor only requested a {$200.00} refund which has still not been processed instead of the {$3300.00} I requested. I was also told due to the mistake made by the other supervisor I will have to wait twice the time to receive my refund ( over {$3000.00} ) which is a negative balance due me from my card ending XXXX. I asked when the turn around time was and the supervisor told me that he does not know a turn around time. My question is, how come I am being punished to to Chase mistake of not initially processing the request I made correctly by holding money from my checking account? Secondly the money came from a Chase checking account which the credit card department can verify so what is their problem? By holding over {$3000.00} of my money are they going to pay interest?
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

On XX/XX/2022, I requested an investigation on behalf of my clients for some items that did not seem correct on her credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

XXXX XXXXXXXX This collection account is showing a balance, please provide the document used to verify this amount as accurate. 


XXXX XXXXXXXX This was pay per delete account. Why is it still reporting on my credit profile? 

XXXX XXXX This was pay per delete account. Why is it still reporting on my credit profile? 

XXXX XXXX This was pay per delete account. Why is it still reporting on my credit profile? 


XXXX XXXX XXXX This was pay per delete account. Why is it still reporting on my credit profile? 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXXXXXX This was pay per delete account. Why is it still reporting on my credit profile? 

XXXX XXXX XXXXXXXX This was pay per delete account. Why is it still reporting on my credit profile? 

XXXX XXXX XXXXXXXX I was never late on this account. 

XXXX XXXX XXXX This collection account is showing a balance, please provide the document used to verify this amount as accurate. 

XXXX XXXX XXXXXXXX I was never late on this account. 

XXXX XXXX XXXXXXXX This collection account is showing a balance, please provide the document used to verify this amount as accurate XXXX XXXXXXXX This collection account is showing a balance, please provide the document used to verify this amount as accurate XXXX XXXX XXXX XXXXXXXX This collection account is showing a balance, please provide the document used to verify this amount as accurate XXXX XXXX XXXX XXXX This collection account is showing a balance, please provide the document used to verify this amount as accurate
Consumer complaint received 2022-06-24
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. (IL)

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 complained. The problem has not been resolved. my fico has me at a credit score over 719transunion 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 n i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 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 XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$78000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-06-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (PA)

First, I will start off by saying that I gave Mariner Finance 1 star only b/c the staff was polite BUT I have had the most horrible experience with them. In XX/XX/2021, Mariner Finanace took 2 payments out of my account that I did not authorize which caused an overdraft in my bank account. My account with them was falsely flagged as late. By the time they looked into it a month had gone by and they asked if I wanted the payment back but by then it was no point since my next payment was coming due and the damage had already been done. Never got reimbursement for the overdraft they caused due to their negligence. You also can not make additional payments online or via the app you have to call and potentially have the experience I had with them taking more than they are suppose to. I applied for a loan on XX/XX/2021 and sent everything they needed for it. Mariner Finance took so long to process my application I went on vacation from work for a week came back to work and it still wasn't processed. By the time someone got back to me, I had to resend every document I had already sent twice. Finally closed on the loan this past Tuesday. It's Friday and I never recieved the funds on the loan. The end of XXXX I called Mariner finance because I have not been able to make payments and the only options they offered me invilved further harming my credit score. It's not worth the high interest rate and fees they charge people the stress and aggravation. Their politeness is not enough to compensate for the experience I had with them nor the service.