davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-24
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: Experian Information Solutions Inc. (FL)

I have disputed incorrect information on my credit report with Experian several times and they have not made changes. I finally called the original creditors and they told me that Experian never contacted them. This has happened with different accounts. Experian does not contact anyone to confirm information but just tells you that the information has been verified when it has not been. Most recently I paid a debt collector on two accounts which went by the wayside due to my husband 's passing. XXXX XXXX sent me an email confirming payment and also advised Experian to delete their tradeline from my credit reports. Experian has done nothing to resolve this, and it is keeping me from getting housing. I am XXXX old and XXXX XXXX XXXXXXXX if Experian does not make the necessary corrections on my report. I recently had one issue corrected myself and it was removed immediately by the original creditor. I had reported this to Experian several times and they did nothing except tell me the account was verified when, in fact, it had not been. I have a zero balance on my bank credit card which I verified with the bank but Experian reported a balance for several months. PLEASE HELP ME. They must remove XXXX XXXX per their request. These errors are hurting me. None of the credit bureaus make corrections in a timely manner. Thank you for your help.
Consumer complaint received 2022-07-24
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)

Collections accounts XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX {$170.00} Hard inquires that I have no acknowledgment of 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 2022-07-24
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. (TX)

By 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.

The following names on my report are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX The following address are in accurate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed as a charge off is not accurate. 

XXXX XXXX listed as charged off is not accurate. 

XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Missouri listed as charged off not accurate. 
XXXX XXXX DBA UOWNLEAEING Is not accurate. 
The following Hard inquiries are not accurate or authorized XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account listed is not accurate from XXXX AND XXXX XXXX XXXX XXXX amount owed is {$2700.00} not authorized. 
They have violated my rights under these laws.

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

15 U.S.C 1681 section 604 A sections 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 or any 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 16815-2 ( 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 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for this item XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4600.00}
Consumer complaint received 2022-07-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (TN)

On around XX/XX/XXXX. I applied with One Main Financial in XXXXXXXX XXXX. The loan representative was excellent in making me believe this loan was not as interest-bearing as the previous loan I had with XXXX XXXX. I was OH SO WRONG, and regret ever dealing with this company. I received a loan for {$3500.00} and here it is XX/XX/XXXX and I am being told the payoff for this loan is {$3100.00}. ARE YOU KIDDING ME? A COMPLETE RIP OFF. I have made biweekly payments for the last year and I still owe the same amount I received. One main was very misleading and it seems like I will never get this loan payed off..now my payments have changed to {$180.00} a month and I see no changes in the Principle balance. It should be illegal for companies such as One Main Financial to take advantage of customers when they are already struggling financially to have to take out these type of loans.
Consumer complaint received 2022-03-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NJ)

I already have a complaint in for LoanCare Services Mortgage company, but I need to put this complaint in because this company is just a nightmare to deal with. This mortgage company does not work with you or tell you things about your mortgage that you need to know. It also holds your mortgage hostage, what I mean by that is if you go into foreclosure or they want to start the process they send your mortgage to their lawyer and once that happens LoanCare Services no longer will give you information, even when the company says they are. Prime example, I had to sell my home because of the difficulties this company has provided to myself and my ex-husband, and so with selling on my home so I can pay off the mortgage LoanCare Services has on it I was not able nor was my realtor able to get a payoff of the current mortgage owed. Several request were place with LoanCare services to provide this information so they would be paid, but they refused to give it to myself, my ex-husband or the realtor. It was a circle with them, the company said we will give you the payoff we have to request it, days go by and nothing, but when you call them they don't tell you they aren't going to give you the payoff LoanCare Services just closes the request without telling the client and goes about their business. This was costing me the sale of my home, which I wouldn't of had to do if they would of helped me and honored that I didn't need my ex-husband to sign on the modification to help lower the mortgage. Also since not paying it, the escrow was never short, which was amazing to me that when I was paying it my escrow was always short..ALWAYS, but when LoanCare had to paXXXX my taxes on my behalf it was never short. AMAZING. With my mortgage being a federal government backing you would think LoanCare Services would be held accountable for their actions. This has cost me fees, time and mental anguish along with problems with my ex spouse and my children for loosing their childhood home because I couldn't fight this big Mortgage company or hire an attorney to fight for me. I contacted two lawyers and one was actually fighting LoanCare services for a client similar to my situation, with my ex-husband off the mortgage so I can do what needed to be done without involving him and that client also behind on mortgage payments fighting with LoanCare Services. There should be more ways for clients to help fight mortgage companies like LoanCare Services. Anyone that talks to me about this company I will tell them to contact Consumer Financial Protection because this company should be held accountable. All the pain that this company has caused my family should be addressed and compensated but because I am just a single mom it won't be address and I will be shooed away like a fly.
Consumer complaint received 2022-03-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Auto Finance Co (GA)

The company that I have an issue with is SAFCO. I voluntarily turned my vehicle in to this company and was actually in good standing with the company but due to mechanical issues ( after a major engine recall ) I had to make that choice. To date I continue to receive notification that SAFCO falsely reports that I am missing payments, and they report to the three credit bureaus every month that I am late with my payments when in fact the car was sold at auction and written off as a charge off. Also, SAFCO is reporting to the credit bureaus that I owe XXXX, XXXX, however note in the enclosed document the amount is XXXX, XXXX. This information is false as I stated earlier. 

I recognize that in accordance with the Fair Credit Reporting Act, SAFCO acct # XXXX, has violated my rights to privacy according to 15 U.S.C 1681 as well as, 15 U.S.C 1681 Section 604 A Section 2, due to the fact that a consumer agency can not furnish an account without my written instructions to which I did not consent.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2021 I sent a letter for inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that late payment be deleted immediately or I will file for litigation.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

I have an online account with XXXX, a division of Goldman Sachs. A few days ago I set up a transfer of all funds to another bank 's savings account with higher interest. This morning I got a call from XXXX and was told to call back. I did and was told to hold for XXXX minutes so the rep could look into what the call was about. I was on hold for 20 minutes and finally gave up and hung up. Tonight I tried to log into my online account to see if my fund transfer was still in progress and I had been locked out of my account! I called XXXX again DURING THE HOURS I WAS TOLD TO CALL IN and this agent agent did not know why my account was locked nor why I could not access my funds. She could not get hold of a XXXX to explain or fix it even though I call during the hours I was instructed to call in. She told me to call back AGAIN tomorrow. 

I suspect that they are holding my money to force me to keep the account open at least until they can " sell '' me on keeping the funds with them. 

This is outrageous. If I needed those funds ( MY money ) urgently, this could be very damaging to my wellbeing.
Consumer complaint received 2022-07-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capstone Credit & Collection, LLC. (FL)

During covid pandemic I renewed my lease following month I saw an increase in rent as well as month to month charge. They said they did not receive my signed lease renewal. I then submitted another. XXXX apartments continued to charge me higher rate and month to month charges. I was promised wood flooring replacement which fell through as covid precautions prevented the service. I attempted to replace the wood floors myself. In XXXX I put in my 60 day notice to leave. Three days prior to end of 60 days. Someone dropped off an eviction notice even though 60 days prior I had given notice. Soon later I see a collection for 4x the amount I owed. I believe this company committed fraud on 4 different incidents. Upping rent, refusing to acknowledge signed lease renewal twice, upping rent during the pandemic, and wrongfully serving an eviction notice.
Consumer complaint received 2024-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/XXXX I received a notice at my home address that my rental property was in foreclosure due to non-payment. It was the first Id learned of any issue. When I called to find out what happened, they said theyd send e-correspondence which, on my end, was a stock letter similar to every other correspondence Ive received saying payment went through. No one called me, because they said my number had been marked as do not call, which Id never authorized or asked for. This was less than 3 months past due. My account was locked to make any payments. I called and spoke with a manger, who, after admitted my account should never have gone into foreclosure, advised me to wire the amount and then hed unlock the payments and begin the correction process on his end. I sent the wire immediately after that phone call, and on XXXX XXXX made the payment through my app and ensured autopay was back on. I assumed all was resolved. On XX/XX/XXXX, I checked and saw my account was locked again and XXXX payment had not been applied. I called to find out what was going on, and was advised my account was in dispute and that it was past due, but this time a payment couldnt be taken either. They said a dispute resolution had been filed over a month ago, and it went over the 30 days and they had filed an extension and had to the end of the month. My credit report reflects all of this. No one could help me, and they said they could again expedite the request. 
Now, I have a letter saying theyve reviewed it and still find me at fault so I have to pay the legal fees associated with them sending me to foreclosure, but my account will be open again to pay XXXX in the next few days. They have still not properly accounted for the XXXX payment, and Im not sure if the wire was properly applied either.
Consumer complaint received 2022-03-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

My home was being livid by my mother who had a mortgage prior to my parents transferring the deed to my name. 
When I noticed it was in foreclosure my mom did not know what I was talking about ( she is XXXX ) and I began talks with wellsfargo which told me that I should speak to our mediators XXXX XXXX After I spilled my heart to XXXX I found out they were sued for a misrepresentation issue. XXXX I decided to talk directly to wellsfargo because XXXX  had vested interest in the bank. I asked if I could get a loan in my name and they never helped just said no. I told them that the home has an adjacent lot which my father included into the property description, that if sold I could pay almost all the debt. ( interest only mortgage for XXXX and owed at that time XXXX ) they said no which is not right because I can separate the lot and it will kit affect at all the property value as for mortgage purposes. Wellsfargo just wanted me to transfer my home to my mother so they could foreclose. This home was given to me and supposedly free and clear as gift for me donating my XXXX to my older brother and trasferencia my house to him when he was unemployed and almost homeless.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

During the COVID-19 global pandemic, I was assessed an incredible amount of NSF fees by USAA bank XXXX I called once in XXXX to ask for some of my NSF fees to be refunded, and they complied. They offered to allow me to claim " financial hardship '' in XX/XX/XXXX but I politely declined because at that time I didn't need any additional assistance. Through the rest of XXXX, I was charged a total of {$980.00} NSF fees across two accounts. I called in XXXX of XXXX to claim the financial hardship they once offered me since we are in a global pandemic, and I was told that was not an option. In XXXX, I was charged a total of {$1000.00} in XXXX fees after I was told I could not claim financial hardship. I called in XXXX of XXXX, as well as posted on their facebook page, my situation and respectfully asked if they could refund me my money as we are in a global pandemic and are in a financial hardship and I was told no and they threatened to block me from their XXXX  page. It is also important to note that I have been a USAA customer for over 8 years and have used over 10 of their available services including various checking accounts, insurances, etc.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I filed for Bankruptcy in XX/XX/2019. In the middle of that, I was in an active Lemon Law claim with XXXX for an XXXX truck we had financed with Capital One Auto Financing. Due to the active lemon law claim, I decided to reaffirm the loan on the truck. I filed all the proper paperwork for my loan to be reaffirmed and it was successful when my bankruptcy was closed in XX/XX/2019. 

I have email proof from my attorney that indicates we reaffirmed this loan. I also have a document from XXXX that indicates that the XXXX XXXX was given back to them and the loan was paid in full by them under the lemon law. Capital One is incorrectly and negatively reporting this loan when it was paid in full, on time, as it was supposed to be.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I've been trying to remove the inaccurate addresses off my report that are not mine and are sibling addresses and the credit bureaus haven't removed instead they added my current address in the previous addresses which is incorrect they should have my address as my previous address. 

They need to my correct address to current and remove all the others that aren't mine. 

I called XXXX, Experian and XXXX and I sent out letter XX/XX/2022 and nothing still hasn't be corrected.
Consumer complaint received 2022-07-24
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. (GA)

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 an account without my written instructions XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX  XXXX Date : XXXX Inquiry Type : Bank Credit XXXX XXXX XXXX XXXX Date : XXXX Inquiry Type : Bank Credit XXXX XXXX XXXX XXXX : XXXX Inquiry Type : Auto Financing XXXX Date : XXXX Inquiry Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX Type : Bank Credit Cards -- -- -- XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Account Type : Other XXXX Account Number : XXXX Account Type : Other XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan