davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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. (IL)

Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-04-03
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. (UT)

I am AUTHORIZED on my sons XXXX XXXX Card. They are reporting late in error and I have called them to remove my name from the account and they refused to. They hung up on me once I advised them I was recording the call of them stating they refused to remove me.

By law I am not responsible for the account and I am only authorized, I demand they remove my name from this card and remove the whole tradeline from my credit.

I do not want it on my credit at all ...

Under the FCRA and the FDCPA they are in clear violation.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Experian has this service that can increase your credit score if you link your bank account to show payment history for utility bills. I recently filed for bankruptcy and have no debt. While checking my credit report on Experian 's website I discovered that Experian is misleading it's customer when it markets its " Experian Boost '' product. After doing further investigation I learned that Experian is using the same utility accounts that was linked to my bank, with a label as debt. Currently, there is 7 XXXX  accounts that I linked to Experian from my XXXX  XXXX XXXX checking account. Of the 7, 2 of which should be taken off my report because there were both closed due to rental lease ending XX/XX/2019. 

Experian is reporting the balances of all 7 accounts on my credit report and labeling them as debt when they were all paid in full. Two of the 7 accounts that's listed below were closed in XXXX. I called Experian and shared my concerns and inquired why they aren't informing customers about this. I was immediately referred to CFPB. I also requested that they remove the old 2 accounts and they refused. I asked the representative why doesn't the 7 accounts reflect that they were all paid in full and show a XXXX balance, he had no response. 

This is and has hurt my chances of getting credit and has kept my credit score low. They appear to have not verified that it has been paid in full, but rather list it as debt. Below are two accounts that should have been removed, but Experian is refusing to remove them and all other inaccuracies. 

I would like the 5 accounts to be listed as 0 and the accounts listed below to be taken of my credit report. 

Respectfully, XXXX XXXX Account Info Merchant : XXXX  Account status : Open Account number : XXXX Account type : XXXX Account Info Merchant : XXXX  Account number : XXXX Account status : Open Account type : XXXX
Consumer complaint received 2020-10-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I recently sent letters over 60 days ago to these bureaus and they are disregarding a regular consumer dispute. I am very stressed I have been sending letters before filing this complaint and still no response.
Consumer complaint received 2022-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

RightPath Servicing is threatening to place FPI ( Forced Placed Insurance ) on my home after I have provided them with a full copy of my current insurance policy. RightPath claims that two words As walls verbiage is needed SOMEWHERE within my policy and this claim is simply ridiculous and a non-acceptable reason to place insurance on my already insured property. Forced Placed Insurance is a scam used by companies like RightPath to increase revenue on an account and their claim to need As walls is fraud. I have had this same type of insurance on my property for 17 years and there has never been such a claim from a lender or servicer. 
RightPath DOES NOT state where in the policy this lack of verbiage is needed which further proves their attempt to impose unnecessary insurance on my property.
Consumer complaint received 2022-05-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NEW CITY FUNDING CORP. (NY)

In XXXX of 2016 I purchased a car from XXXX In XXXX NY about 8-9 months after I purchased the Vehicle I traded it in and the amount owed from the loan from New City Funding was added to the new loan from dealership. New city funding is stating that this vehicle was a voluntary repo and has this loan on my credit report as delinquent and I have reached out to New City Funding for them to show proof of voluntary repo which I still have not got they stated during a call that the dealer had called and said I gave the car in as a voluntary repo when I spoke with the dealership they stated that is incorrect. When I requested a copy of the certified letter New City Funding is required to send when a vehicle is repoed with the amount that was owed with proof of what the vehicle was sold for after the alleged voluntary repo and I have yet to receive anything from them and it has been well over 2 years. I have also filed a complaint with the XXXX and New City Funding has not responded to that report either. Also New City Funding stated on my credit report that the starting amount owed for the vehicle was {$6000.00} and that there was 8 payments made in the amount of {$250.00} which would be a total of {$2000.00} which would bring the balance down to {$4000.00} and they stated when they got the vehicle they sold the vehicle at the auction and I now have a balance of {$3900.00} on my credit report. Which if this vehicle was a voluntary repo there would have to be papers I signed to turn the car over to them as well proof of service for the certified letter to be sent which they do not have because I did not voluntarily give the vehicle it was a trade in and I was never served or received a certified letter from new city funding and I have attempted to get documentation from them for over 2 years and still no documents.
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

A XXXX XXXX credit card account was opened in my name in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX closed the account without my prior knowledge. I was unaware of any remaining balance. Since they closed this account in XX/XX/XXXX, they have been continuously reporting late payments each month to the credit bureau. I recently checked my credit report and have noticed 40+ late payment notifications on a closed account!!! It has damaged my credit very badly. I had no prior knowledge of these late payments that were reporting to my account each month for the past 4-5 years. I have filed a dispute with XXXX, XXXX  and Experian and they have failed to remove this from my credit report. I am making a formal complaint with XXXX, XXXX  and Experian for failing to due there due diligence to respond to me and correct my reports.
Consumer complaint received 2020-10-07
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit card company somehow screwed up the ACH transfer which was set up as automatic payments. How they handled it was blaming me even though the bank contacted them and assured them transfers were made. They are not being cooperative and are reflecting too late payments for the last eight months on my credit report. I am a XXXX veteran and can not have this or it ruins my opportunity to get home.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

After buying a car for {$1200.00} it was sent to express delivery service. They told me the car was on its way then said I needed to pay a {$1500.00} payment for a smoke test. After exchanged emails and XXXX messages ( both companies ) I made the payment. They said everything was okay and my car was on its way. They then said the process was stopped because of FBI road safety. To continue I needed to make a {$2000.00} payment. Why all of a sudden these fees that werent mentioned in the beginning. For 4-5 days I explained to both companies that I couldnt pay this because of bank issues and wanted a refund. The car company is saying no refund until the car is delivered and there are mechanical issues. The XXXX company is saying after delivery all fees will be refunded. Thats cool, except there will be no delivery because Ive explained to both companies that I can not pay that. Neither of them are listening and keep saying figure it out and pay the delivery agency the {$2000.00}. I have tried to speak to my bank, but theyre saying to speak to the companies because there is nothing they can do. I have asked for addresses and postal codes from both companies and theyre now not answering emails and messages
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CBC Companies, Inc. (MS)

On XX/XX/22, I notified the credit bureaus and secondary consumer reporting agencies that I am a victim of identity theft. I submitted an identity theft report. As of right now, the items listed on my identity theft report have not been removed. According to Section 605B, these items were to be removed from my file within 4 business days! Also, no accounts can be furnished on my credit file without my written consent! I have never given anyone written consent to furnish anything on my file! I also spoke with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They have told me over the phone, and in writing that they do not furnish any information to the credit bureaus. Upon further investigation, I found out that this information was obtained from XXXX, XXXX, XXXX, and possibly other illegal means. I do have a right to privacy! You will not continue to commit defamation to my character. False information will not be illegally shared about me.
Consumer complaint received 2020-07-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

under previous case XXXX we attempted to seek assistance under the CARES act ( Section 4022 of the Act provides that a borrower experiencing financial hardship due to the COVID-19 pandemic can request forbearance for a federally backed mortgage loan regardless of delinquency status ) I was informed that the loan was not covered under the act see response under previous case ( attached as exhibit ) There response clearly stated that this was " not '' a federally backed loan and that a balloon payment was necessary at that time in the amount of {$5600.00}. I had to borrow the funds to bring the account current to avoid being foreclosed on, based on the response they provided myself, as well as, the oversite agency responsible for protecting me the consumer. Today, I received correspondence contrary to the previous case stating that the loan is in fact covered under the CARES act. ( Attached as exhibit ) Select Portfolio Servicing is in direct violation of the CARES Act and directives from the XXXX XXXX XXXX XXXX in the previous response and result.
Consumer complaint received 2021-09-28
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. (TN)

I previously had an auto loan with XXXX XXXX which began XXXX XXXX. This auto loan was paid off in XXXX of 2021. 
Also, in XXXX I requested on a recorded call for XXXX to have all late payment ( s ) removed from my credit report, XXXX agreed on this phone call that these changes will be made. XXXX made updates but failed to remove ALL late payments from my credit report as agreed. 
I called XXXX twice a week from XXXX to XX/XX/2021 checking the status of the removal of these late payments each time they confirmed our agreement and told me it was still in process. 
As of XX/XX/2021, XXXX have yet to remove ALL late payments from my credit report as agreed. I am simply requesting XXXX to please remove these late payments as soon as possible.
Consumer complaint received 2022-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

With the new PSLF waiver I have sent in ALL my certifications, they are not updating my total count, the deadline is XX/XX/XXXX I can't keep sending the same info if they are not going to do anything. they has lost the contract with Dept of Education, new servicer is coming into play. In XXXX  they also told me consolidate my loans in order for them to be more affordable not knowing it would restart me paying for my forgiveness. I was about 2 yrs away from loan forgiveness. It has taken them 2 months to update me only to say I was missing information. When the form clearly says to check this box if you can't get your employer to certify. Clearly NO has a CLUE once again.
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (CA)

I contacted Equifax in XX/XX/2022 asking that they please add XXXX XXXX XXXX  XXXX XXXX XXXX for which I am an authorized user as my Equifax Credit Report was incomplete and missing the XXXX credit cards in question. Equifax, as of today, has refused to add these XXXX accounts without basing their decision of any statute, law, edict, court case, dicta, caselaw, etc. In fact, my request have been ignored as a reply has not been afforded. The FCRA permits CRA to add " authorized '' user account to profiles. In fact, both XXXX and XXXX both show these XXXX accounts in question. Of real concern is the fact that Equifax, in retaliation, has initiated, on its own, disputes with some of my creditors. Yes, you are reading correctly, I have not disputed any inaccuracies nor disputed any incorrect information shown in my Equifax Credit Report. Equifax has opened multiple disputes without my approval and without my knowledge. For example, multiple disputes have been opened by Equifax with XXXX XXXX  XXXX, on account XXXX, a legitimate account, in good standing, and for which I have no problems with. The information for his account is correct. Why did Equifax, randomly, decided to start opening disputes with this creditor without my permission? This is illegal! Equifax reference dispute # : XXXX and XXXX. My cease and desist letters have been ignored. I will file a complaint with my State Attorney General and consider taking legal action. Under what FCRA statute does Equifax opens up disputes with my creditors in a secretive manner? What legally justifies their actions?
Consumer complaint received 2020-10-07
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-02-12
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. (TX)

I have filed various disputes against XXXX XXXX for a derogatory item being reported to my XXXX XXXX  and Transunion credit reports. XXXX XXXX has even sent me a letter indicating that the debt is not mine and they want the item removed from my credit report. I am also attaching a Notice of Identity Theft Complaint With The Federal Trade Commission. The item is not mine.