davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX. XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, IN XXXX Dear Sir or Madam : As of XX/XX/2021 TransUnion has displayed several fraudulent accusations assuming I have inquiries made on XXXX, XXXX. XXXX and XXXX. XXXX. XXXX. I am writing to dispute the following information in my credit report file. I have attached documents that shows evidence of it not reported on the other credit bureaus reports. 
the items I dispute on the attached copy of the report I received.The information on XXXX reporting number XXXX is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt.Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2021-09-02
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. (AR)

Settlement Statement Document with U.S. Department of Housing and Urban Development indicate my home were sold for {$220000.00} and it show that my mortgage loan with XXXX XXXX XXXX Payoff in the amount {$100000.00}
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (NC)

Seeing that the world was and still in a pandemic with Covid and me dealing with deaths due to XXXX  and being their for immediate family as well as grieving I honestly overlooked the bill. It is funny how they have assistance for those who are experiencing hardship due to Covid, but no compassion for those who inadvertently forget to pay a bill and never been late. I had this account for over 9 years and never missed a payment and when they finally got in contact with me I then pay the balance off in full apologizing for missing the payment. 

Not only did they report it after I asked not too due to the circumstances they also blocked my account for further use. I mean really and I missed 1 payment and turned around and paid the entire balance off. Bit to mention other store cards I have with Comenity have also been restricted and I am about to cancel and close all of the cards that had for years and once again never been late. 

To top it all of I put in a dispute early this month when I seen the reporting and it was removed, but once I requested to close the account they retaliated and put the negative remark back on. How does a company get way with that. They can remove it ( I have screen shots ) but when I choose to close the account they can go back in and place it back on. 

I need someone to step I. And look at the larger picture of a consumer who has several cards with this bank and never Been late for a number of years, we are not speaking of 1-3 years. 

Please step in to help rectify this issue. 

Thank you
Consumer complaint received 2021-09-02
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grant & Weber (MD)

This complaint is about Grant & Weber debt collection who trying to collect on a debt for auto loan that was closed XX/XX/2018 that went into a write off Grant & Weber reported to the credit Bureau that this account was XX/XX/2018 and soon after started putting derogatory marks on my credit report and have been charging me Interest on this collection for the past 3 years I finally was able to get in touch with someone at the company who stated he did not have a company ID number or identification number just that his name was XXXX XXXX informed him that under the consumer 's right act I would like for them to send me all documentation pertaining to the debt that they are trying to collect on and are reporting about I was told they did not give out that information and that I must have XXXX  that I ensured him that this come directly from their website and he didn't seem to like that very much he started getting very defensive the conversation heated up he could not tell me when I would receive paperwork if there was anybody I could talk to that would know or how long the process would take eventually XXXX hung up on me and when I researched this company they had a lot of complaints that were listed it seems that this is the practice that they use and from my understanding it is your right and under federal law to receive such documentation from any company when asked for it which their refusal which puts them in violation
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I, XXXX XXXX ( the consumer, not a third party ), demand that Experian cease and desist from reporting these inaccurate accounts. Unless Experian can produce evidence point by point, sworn under penalty of perjury, signed by 2 witnesses, and notarized they are ignoring FDCPA. In Experian 's most recent response they state the following, " Please note that Experian does not receive a copy of any applications made to credit grantors. You may wish to contact the creditor directly for that information. '' According to Federal Law, the burden of proof is on the credit reporting agency, not the consumer. Experian then goes on to state, " If you question the results of our dispute process, you may also contact the furnisher of information directly. " Please take notice that this is a criminal investigation of the business practices of the above-named organization, its agents, officers, and employees to determine violations of the United States criminal laws. Experians claim of the purported debts appear to be founded upon false records in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 471, 472, 473 and/or 513. Further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of The Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. Further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title U.S.C. 1341 - Frauds and Swindles laws, and further sending mail with false and fictitious names, criminal conduct falling under Title 18 U.S.C. 1842 - Fictitious Names. Remove the accounts.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX  Credit Bureau, and XXXX XXXX continues to not report correctly for XXXX  XXXX x XXXX XX/XX/2018 showing 1 month late. It was never late, and I need it corrected. 
I have called XXXX XXXX, they have no archival files, can't reach a credit contact and XXXX  is someplace else and keeps trying to verifty never gets corrected I need it corrected as Never late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2022-08-23
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)

XXXX continues to show that I have a balance of over {$18000.00} on a XXXX XXXX Credit card. This card has been paid off for a few weeks now, yet continues to show on my report. Please remove and update so my credit score can be updated please.
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

Dear All, My name is XXXX XXXX, and I'm writing to complain against GAP Credit Card services regarding the reward program change since XX/XX/XXXX I have several unused reward coupons expired in XXXX and XXXX, I first called Gap credit card customer service # XXXX on XX/XX/XXXX, and was redirected to GAP Good Rewards, the new service. Unfortunately, GAP Good Rewards doesn't handle the old coupons before XX/XX/XXXX, and I requested a 3 way phone call with Gap credit card. The gentleman from Gap credit card was very nice and helped me processed the reissuance of the expired coupons ( total amount is about {$120.00} ) Today, I called GAP credit card again for another unused coupon of {$15.00} expired on XX/XX/XXXX ( they only process the reissue AFTER the expiration date ). I was shockingly told by the Supervisor XXXX and the Manager XXXX ( Employment ID # XXXX ) that they no longer handle the reward program after XX/XX/XXXX, and the already processed coupons on XX/XX/XXXX were denied. Gap Credit Card is completely out of the reward program after the sudden transition on XX/XX/XXXX. I was requesting the new policy documents about the expired coupons, but was rudely rejected by the XXXX. As a result, I lost all my benefit by using GAP credit card for all my daily purchases. 

The fact is GAP credit card service has been helping customers like me to have expired coupon reissued for decades until they switch this service to GAP Good Rewards on XX/XX/XXXX. The worst part is they never disclose the expired coupons will NOT be reissued as usual due to this transition, which obviously damaged the customers ' right and benefit. 

I was asking for a copy of the reward coupon policy from manager twice on the phone, but again was rudely denied by saying she has nowhere to dig out that document for me. 

I'm attaching the scanned copies of the GAP Good Rewards flyer, which has no any words on current and expired rewards coupons. 

It's extremely frustrating and disappointed to experience the terrible services from Gap Credit Card management. 

By the way, GAP has shut down several stores close to me since Covid-19, which made the indoor shopping extremely difficult, and they even don't care about the consequences. 

Yours sincerely,
Consumer complaint received 2021-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MO)

Navient 's website is laggy and out of date. Information is difficult to access and identify to efficiently manage my account. 

They should have an easily accessible account summary page that allows to get all frequently needed information for each loan without having to click and load a new page. The load time is lagging and the site occasionally crashes. A financial servicer like Navient must have a good reliable website that doesn't make frustrate repaying. They should look to emulate XXXX XXXX account website.
Consumer complaint received 2022-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Got scammed for {$80.00} while my checking account was already in a fraud status and new debit card was already en route to me but not here yet. I was under the impression this account via my bank was being watched so as not to under go MORE fraud. I was wrong. Today {$80.00} was XXXX to a fraudulent " person ''. Happen to catch it and called my bank they said the transaction was in " process '' but couldn't stop it.
Consumer complaint received 2022-08-23
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. (CA)

XXXX continues to show that I have a balance of over {$18000.00} on a XXXX XXXX Credit  card. This card has been paid off for a few weeks now, yet continues to show on my report. Please remove and update so my credit score can be updated please.
Consumer complaint received 2021-09-02
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. (IL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2022-03-30
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. (FL)

All 3 credit bureaus are reporting inaccuran=cies in late payments all between XXXX XXXX and XXXX XX/XX/XXXX. All othe months are not correcty reporting informaiton. For example XX/XX/XXXX Transunion and XXXX says i am current but experian says im 30 days late.
Consumer complaint received 2022-03-30
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: EQUIFAX, INC. (TN)

I tried to finance a car through XXXX  I told them I only wanted my credit ran to one bank but they ran it through serveral other banks. 
It was ran through XXXX XXXX XXXX XXXX two times on XXXX XXXX
Consumer complaint received 2022-08-23
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. (CA)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 1. XXXX Inquired on XX/XX/XXXX 2. XXXX XXXX XXXX Inquired on XX/XX/XXXX 3. XXXX OF XXXX Inquired on XX/XX/XXXX 4. XXXX BANK Inquired on XX/XX/XXXX 5. XXXXXXXX XXXX Inquired on XX/XX/XXXX 6. XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

On XX/XX/21 I received a letter from my insurance co, that my policy had lapsed for non payment.I immediately called my mortgage co Select Portfolio Servicing, bc my escrow covers my mortgage .I spoke with manager XXXX XXXX XXXX he told me he fix the issue, as the mortgage had been transferred to SPS in XXXX of XXXX never received a welcome letter or any correspondence that my loan had been transferred, only bc I called my previous servicer Shellpoint Mortgage, which also paid my insurance from my escrow acct, regarding Covid, was i made aware of the changes.The new servicer apparently hadnt realized the ball had been dropped concerning my escrows.Mr XXXX XXXX assured me this matter was resolved.1 week later I called back, to double check behind Mr XXXX, bc my spirit didnt rest with his explanations, only to find out, everything he said was a lie, and nothing had been done.I tried to get things moving, bc a storm was brewing in the Gulf, and heading to La.Unfortunately the matter was not taken care of promptly, and my home suffered significant damage, and Im displaced but my insurance co, denied coverage , as they never received payment.My insurance was included in my note, my mortgage co.collected my payments, and never paid my insurance, although theres an escrow acct for that purpose.They have stolen my money.This co has paid millions in fines for deceptive practices and they continue to deceive and fraud the public.Please Help
Consumer complaint received 2023-12-07
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (MA)

This account is charged off. If this account was indeed a charged off why didn't I receive 1099 C form from the creditor. They got a tax credit off and I should not have this debt on my credit profile. Please send me any forms and documentation that you have the right to report this a debt if you can not do that please remove this debt from my credit report immediately.
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IN)

My loan has been transferred again this time from CMC funding, Inc. To Specialized Loan Servicing. I continue to have a multitude of issues with payments been applied to my account as I have indicated clearly with clear and concise instructions. I submit my payments ( before the due months in fact before the payment is due ) using SLS 's payment site directly. Not using a third party or my financial institution. Despite this and clearly indicating how my payment should be applied again using SLS 's payment site they can not seem to follow instructions and apply the payments directly to principal instead of how I have indicated. On XX/XX/2021, I submitted a payment in the amount of {$1800.00} on the SLS payment form I indicated {$1500.00} should be applied to the principal and interest payment and the remainder {$280.00} applied to the principal balance. This was not applied correctly and the entire amount was applied to the principal balance. On XX/XX/2021. I submitted a payment in the amount of {$1800.00} using the SLS payment site. I indicated on SLS 's payment former to apply {$1500.00} to the principal and interest monthly payment and the remainder of {$280.00} to the principal balance. Yet again, SLS failed to follow clear and concise instructions and applied the entire {$1800.00} to the principal balance which is not what instructed them to do. I am sick and tired of having to monitor SLS every month to ensure my payments which are made in advance and should be applied to my account as I have indicated. It has been a complete and utter nightmare dealing with CMC Funding and now Specialized Loan Servicing. If a customer indicates how payment is to be applied why they can not follow instructions and apply for the payment as indicated and correctly? Is there no one at SLS that can follow instructions? I believe SLS needs to be audited to ensure no fraudulent activities are occurring at this institution.
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.