davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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. (IL)

In XX/XX/2022, requested disputes on a lot of thing on my credit report. Experian investigated them. And over a period of time, some they cleared up others, they left as " Potentially Negative '' even though the credit items are closed with a XXXX balance. Or they didn't belong to me directly. I have working hard to clear up my credit for years. And the majority of my accounts state that I have never been late of a payment. When the increase my credit they increase it by one, three or six points, but when they have dropped in it has been dropped as much as fifteen or twenty points. That keeps it below the FAIR rating. Yet the promote getting more credit cards, when I have done that, that drops my credit score even lower. One of the main credit items is XXXX XXXX XXXX, they took over to account that should be taken of my credit ( XXXX 's and XXXX XXXX XXXX XXXXy ), they have yet to be updated.I feel as if I have been put on a hamsters wheel. I don't feel as if the companies who decide your credit rating should be promoting getting more credit. Thank you for you time.
Consumer complaint received 2019-02-18
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'm a victim of identity theft, in which I've contacted the Transunion and XXXX   of such, but the bureaus failed to block the charged off XXXX/XXXX  XXXX account under 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days XXXX XXXX # XXXX Please see attached copy
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX I applied with Chase for a promotion with XXXX that, if I applied before XXXX XXXX, if I spent {$4000.00} on purchases in the first 3 months I would receive a companion pass on XXXX and XXXX XXXX points. On XXXX XXXX, after receiving notification by application for the credit card was approved, I called Chase to confirm the terms of the offer. Chase stated the offer ended XXXX XXXX, and refused to honor the promotional deal I signed up for.
Consumer complaint received 2022-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

This company appeared on my credit report about 3 years ago, with a debt that shows from 2008. They have called my mother tell her that I had an emergency situation and that they need to get in contact with me. They have called my local union hall and relatives. 

I have requested that Navient validate the debt on 3 different occasions, once over verbally and twice in writing. I have filed with fraud claims with all three credit bureau and have successful at removing item from one. I reached out for legal advise and the stated that I should file my complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2022-08-02
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. (NY)

XXXX  website and account access still down. It has been over 2 months since they claim they are in the midst of a system update and I literally can not make a payment. There are hundreds of people complaining on XXXX XXXX XXXX page. 

XXXX is reporting me now as 2 missed payments when it is their fault that we can't make payments and my Experian score has gone from good to poor. 

This is making it impossible for me to lease space for my XXXX XXXX
Consumer complaint received 2022-08-04
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 im XXXX now.with no help.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I am XXXX XXXX XXXX, and I am filing a complaint against XXXX, XXXX, and Equifax for their failure to remove incorrect information from my credit reports despite my repeated requests. I have sent a total of 8 letters to these credit bureaus requesting the removal of inaccurate information, but they have not taken any action to correct the errors as per my requests.

Despite providing clear documentation and explanations in my letters, XXXX, XXXX, and Equifax have neglected their responsibilities under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of the information on my credit reports. This failure has had a detrimental impact on my creditworthiness and financial standing. 

I demand that XXXX, XXXX, and Equifax promptly investigate the inaccuracies on my credit reports and take the necessary steps to correct the information in accordance with the FCRA. Failure to do so will result in further legal action to protect my rights as a consumer.

I urge the relevant authorities to intervene and ensure that these credit bureaus comply with the law and rectify the errors on my credit reports without any further delay. Thank you for your attention to this matter.
Consumer complaint received 2019-02-18
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. (NJ)

Experian fails to correct the balance on my XXXX XXXX credit card, card has a zero balance and Experian fails to update the balance on my bureau
Consumer complaint received 2022-08-04
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX 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
Consumer complaint received 2019-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (LA)

Through a bad XXXX. I was left with a few credit cards and a lot of debt. I had 2 cards with chase Total was XXXX. On the phone with chase they accepted a settlement payment of XXXX. Which i drove to a chase branch and paid in full on XX/XX/2016 Bank told me it was all clear and account closed. But it is still showing on my credit report as unpaid. With multiple attempts calling chase and they found the problem twice as of to why it wasent reported clear which was a mistake on their part they promised to have this clear off of my credit report. And its still on my report. I dont know what else to do. This account has definitely been paid in full per their settlement agreement.
Consumer complaint received 2022-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (VA)

My home insurance policy ( XXXX ) was due to be paid out of my escrow account ( Rocket Mortgage ). I checked my dashboard on my Rocket Mortgage account, and it a banner stated that my home insurance was going to be paid. 

On XX/XX/XXXX, we received notification from our insurance broker that our policy had not been paid, and was about to be cancelled. I called and spoke with Rocket Mortgage, and the agent said that when they acquired my loan in 2021, they tried reaching XXXX to inform them that they were our new servicer but had not heard back from them. The Rocket agent called over to our broker and was able to switch the servicer within 60 seconds using the automated system, while I was on hold.

The check was sent out via USPS to XXXX- for which we are still waiting for this to be credited. ( Our policy lapses on XX/XX/XXXX. ) I noticed that because this payment was not sent, we incurred a {$15.00} late fee from our insurance company. When pressed for reimbursement, Rocket Mortgage told us to contact XXXX. XXXX has told us to deal with Rocket Mortgage. 

It is my belief that since Rocket Mortgage ( 1 ) has the fiduciary responsibility to pay this bill on time from our escrow, ( 2 ) failed to secure themselves as the servicer of our loan with our insurance company in a timely manner, and ( 3 ) failed to perform a function of their role, this fee should be their responsibility and not a penalty that I should be forced to burden by them. 

I appreciate your assistance. 

Thanks, XXXX
Consumer complaint received 2019-02-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

This is in regard of Complaint # XXXX. I had originally filed a complaint with you on XX/XX/XXXX about the practices of XXXX XXXX , XXXX. On XX/XX/XXXX they had started the garnishment of my wages, without my being informed of any such action. I went to court to ask for a Head of Household Exemption, but was denied. I also tried to express to the Judge about the fact that by Florida XXXXtatute77.041 ( 2 ), which states : The plaintiff must mail, by first class, a copy of the Writ of Garnishment, a copy of Motion for Writ of Garnishment, an, if the defendant is an individual, the " Notice to Defendant '' to the defendant 's last known address within 5 business days after the writ was issued, or 3 days after the writ is served on the garnishee, whichever is later. But, the Judge would not acknowledge this offense and violation by XXXX XXXX. I had sent you notification of this under the same complaint number on XX/XX/XXXX. On XX/XX/XXXX I received a notice from you, CFPB, that you had received an answer from XXXX XXXX about my complaint. I called the number given on the letter, only to be informed that I was to fax to you contact information for myself and my Spouse. I faxed this information of XX/XX/XXXX and have heard nothing further from you or XXXX XXXX , XXXX. Besides that, I am still pursuing a reparation from XXXX XXXX , LLC. for ruining my good reputation- and in fact even endangering my employment. 
Therefore, I am seeking your well appreciated services to bring this case to a satisfactory closing soon. 
Please be aware that the funds that have already been taken through the garnishment are still tied up and unavailable to me. 
Thank you kindly for your services.
Consumer complaint received 2019-02-18
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. (TX)

inquires are from car dealers. They where only supposed to run 1 report with a finiical bank not 13, 37 these should go off my report.
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One account number XXXX has a late payment for XX/XX/XXXX that has been removed once before from the capital one because it was an error. It has reappeared on my credit report in XX/XX/XXXX. And it has not been fixed after several calls to them. The late payment that is still on my credit report is indeed an error and I need It to be removed immediately as it is in violation of the Fair Credit Reporting Act and The Fair Credit Billing Act.
Consumer complaint received 2022-08-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

On XXXX I reached out to Experian to dispute the date for removal of a BK-XXXX that's on my Experian credit report showing filing date of XX/XX/XXXX which is scheduled to be removed on XX/XX/XXXX. First of all, the dispute was not accepted on line. After calling and speaking with the representative, she explained to me to that could upload the supporting documents into their system and they would allow the item to be removed early since it's with a 120 day window. I went to submit the document on the site she gave me and that site doesn't accept the documents that's 2 pages big so I then split the pages and it still states item was to large. Then the system just would continue to time out even though I completed all the information needed in under 3 minutes. I then was told to mail the documents in to XXXX, Texas. The system should not be this hard to try to get your life back on track. It makes you want to give up and not even deal with this type of thing. Honesty, I think its by designed to deter normal, hard working citizens to not better their credit and to keep them going through life with the highest interest rates available.
Consumer complaint received 2019-02-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Unifin Inc. (OR)

Collection company unifin called me XX/XX/19 to collect a debt. I was at work so I asked them to call me back after work on Monday. They didn't call back so I made a call to them on XX/XX/19 in regards to this debt. A gentleman answered the phone and verified my information. He asked about settling the payment for XXXX. I told him I was unable to do that because I am a single mother of the children. Based on my finances I could make a {$500.00} payment to satisfy the account. I wasn't able to make payments due to my financial hardship. He was pressing to set up a payment plan which I told him several times I was unable to do. Then he got upset and told me that if I was unable to do this then he will write that I am refusing to settle the debt and they will garnish my wages then hung up on me.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (FL)

Applied for CC with WF to complete a Balance Transfer to XXXX. Requested full BT of XXXX and only approved for XXXX with WF. Never saw that partial BT would be completed if full amount not approved. 

Requested reversal of BT from Wells Fargo and then stated I had to request from XXXX. Requested reversal from XXXX and it still hasnt been completed or funds sent back to WF. 

Stall trying to get this reversed to no avail. Both banks are in the wrong now.
Consumer complaint received 2019-02-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Financial Services (IL)

I currently have a loan with them that I took with my dad. Im the first signature in the paperwork and my dad is the co-signer. My dad took a second loan with them and apparently he hasnt been making any payments on his second loan, the loan were hes by himself. This agency thought it was a good idea to take money from the account were Im on. My dad doesnt live with us anymore and we dont have any contact with him. The agency said that they have the right to move money from two different accounts.
Consumer complaint received 2019-02-18
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. (UT)

XXXX  and Transunion are incorrectly reporting that I am past due on an account that has a {$0.00} balance and {$0.00} past due. This is harming my credit and is obviously impossible to be past due on something that does not have a balance.
Consumer complaint received 2019-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (CO)

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : PROFESSIONAL FINANCE CO. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX. I was advised by my attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been 47 days, and they have NOT replied. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ) and PROFESSIONAL FINANCE CO has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Consumer complaint received 2019-02-19
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: DISCOVER BANK (WA)

soft credit inquiries were performed by Discover card, despite my never having applied for a credit card : DISCOVER FINANCIAL SVCS Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX  ( XXXX ) XXXX in summary, 11 times in XX/XX/XXXX, 12 times in XX/XX/XXXX. spoke with 3 team members at discover and they all told me i would have to speak with the credit bureaus to make it stop.
Consumer complaint received 2019-02-19
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)

I have contacted the credit bureau XXXX, and transunion by certified mail to verify the accuracy of the accounts they claim I owe a balance to. They were last contacted on XX/XX/2018 and numerous times prior to that via certified mail. Since then, they continue to reply that they have verified that the account belongs to me with no valid proof.
Consumer complaint received 2020-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I have been dealing with this false unauthorized debt of XXXX XXXX since 2017. I have sent numberous disputes with the credit bureaus. I have contacted XXXX wireless myself and have gotten no progress. I have reported this as identity theft ever since my personal information, passport, social security number, passwords and all my personal information has been compromised. This has been a ongoing issue as I ha e no knowledge nor did I ever open a. Account with XXXX.
Consumer complaint received 2019-02-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: LendUp Loans LLC (CA)

On XX/XX/XXXX, my daughter told me to check the State Controller 's office website, sco.ca.gov because I had five new things saying I was owed money from from a company called LendUP, so I went to the website and checked and found. I find this totally illegal what they have done, using a GOVERNMENT WEBSITE in a ruse to get people to call them thinking they are owed money. I paid this loan off three years ago and owe them nothing so I ASSUMED that either they were a part of a lawsuit or I had overpaid - something but not the illegal tactic they used.

Business Contact Information : FLURISH INC. DBA  LENDUP CUSTOMER SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , CA XXXX ( XXXX ) XXXX XXXX Type of Property : REFUNDS DUE Cash Reported : Under {$100.00} Shares Reported : 0 Name of Security Reported : Date Reported : XX/XX/XXXX Date of Last Contact : XX/XX/XXXX