davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

After me contacting each bureau personally and creditor personally I do not see an update on my credit report. I contacted the creditor month ago XXXX regarding why a student loans was reporting not 100 % creditor then stated that everything was paid and the bureaus made a mistake on there end. Contacted the bureaus and they confirmed that they will dispute and update it they never did! They lied and keep reporting false information on my report which is against the Fcra section 609. There are wrong balances and payment dates and amounts please fix this issue ASAP XXXX shouldnt have to wait on yall when yall going against multiple laws It was never a response! They never responded to me! or updated anything
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2021 I received a letter from Capital One saying I'm not eligible for a credit line increase. 

The letter stated : " We want to help you understand why : The credit reporting agency has reported a recent credit delinquency Your current credit score is too low. 
Please see the back of this letter for determining factors. 
" Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listing below. '' " The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. " " We also requested your credit score to make our credit decision. Your credit score is a number that reflects the information in your credit report. '' I talked with XXXX ( XXXX ) of Customer Resolution Team on XX/XX/2021. She " supposedly '' filed a complaint. In that phone call she obviously didn't know my rights pursuant to federal law. 

I'm the original creditor, I can't be denied my own credit for reasons they have stated. I have sufficient reason to believe I am being discriminated against for whatever reason. Of course they are not going to admit it but their actions prove other wise because they have no legitimate reason to deny me of my own credit.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

In accordance with 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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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. 1681s-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 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (OK)

I had a loan refinance with American Credit Acceptance on XX/XX/2019 through another firm and to this day their open auto loan still shows on my account I have contacted them several times in the past month and told me the notice was sent it to the credit agencies about the payoff and when I instructed them to send me the payoff notice they have yet to do so. They claimed it would be mailed ot me last week and I called them 2 weeks ago for it and it still has not arrived. I was told the payoff notice would go to a lender that is trying ot help me and they have yet to receive it. I am frustrated because it has kept me from doing anything with my trade in and its been hurting my credit score severely. They have basically ignored me and have been lying to me.
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I have notice multiple late payments on my department of education, XXXX  student loan account. I have been a XXXX XXXX XXXX at XXXX XXXX XXXX University. My account is deferred until I graduate. There is no way I should have any late payments associated with my account. Please remove them immediately.
Consumer complaint received 2019-08-24
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. (TX)

A 30 day late was reported inaccurately for XX/XX/2019 on a 3 month installment loan, that was set up on auto-pay from XXXX - XXXX. 

Another 3 month installment loan also set up on auto-pay for same dates is reporting no 30 day late in XX/XX/2019. 

Both accounts are paid off with a XXXX loan balance. Reporting should reflect the same status of XXXX, XXXX Off XXXX with no 30 day late on both accounts setup on auto-pay. 

Credit report reflects activity for XXXX, XXXX, XXXX and XX/XX/2019 ( 4 months ) for what is supposed to be a 3 month term loan. 

auto-pay appears to have failed to pull final payment amount within allotted time with no fault to our own.
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have notice multiple late payments on my department of education, XXXX student loan account. I have been a XXXX XXXX XXXX at XXXX XXXX XXXX University. My account is deferred until I graduate. There is no way I should have any late payments associated with my account. Please remove them immediately.
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Complain to FTC XXXX XXXX XXXX XXXX XXXX. ap XXXX XXXX XXXX, IL Date : XXXX XX/XX/XXXX Dear Federal Trade Commission, I have written to Experian on several occasions disputing the fact that the items listed below are incorrect. The credit bureau has either refused to respond, sent a frivolous letter, sent a working with a credit repair company letter, or continues to state that they have verified the debt. Let this be a formal complaint against the ( name of the credit bureau here ). The following accounts are the items the credit bureau has refused to investigate. 
Account : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Sincerely, XXXX XXXX
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I do not have exact records of these things as I never thought I would be compensated for wrongful actions and practices committed against me by wells fargo. To my memory I had a business checking account with wells fargo around XXXX. I was incorrectly charged almost XXXX dollars in overdraft fees and was bullied into thinking this was normal and paying them. Shortly after paying the remainder of my " fees '' I closed my account as to not be stolen from any longer. The entire ordeal was awful and they fought me on every single thing I tried to do. I would like as much of that as I can possibly get back. Thank you.
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I see Last Reported date as well as Date Last Active is different from the three bureaus. It shows chargeoff and yet XXXX see balance and a past due in their reporting. This is a clear indication that the report is inaccurate. I demand this account be deleted immediately.
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have contacted Equifax numerous times concerning an inaccurate account from XXXX XXXX claiming a repossession on my credit file. Equifax has reported this accounted verified and accurate. However Im baffled as to how have they verified this account when the company XXXX   can not verify this account with me.Im very unhappy at the fact that there is inaccurate information on my credit report, and the creditor failed to submit sufficient proof to validate the inaccurate account. This is my 6th letter to your company. I know the FCBA allows me to dispute directly with the creditor after disputing with you. You told me that you verified the account with the creditor but they could not provide me with sufficient proof to back up their reporting. How can you verify if the creditor could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. 
Please delete these accounts from my credit reports since your company did not properly verify the information and the creditor could not provide sufficient proof to prove their reporting. when was this alleged repo, how much was the car then later sold for, what was the original amount due? What documents have any representative from Equifax reviewed that sufficient to be legal binding documents proving this alleged account. According to the FCRA, you have to tell me how you verified the account above. You have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. This account is INACCURATE!! Based on the FCRA and my counsels review of the FCRA and all of the letters sent to you and received by you, you are supposed to conduct a reasonable investigation on items presented to you by consumers. You have failed to do this on several occasions, which is a violation of the law.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracieson my Credit Reports. 
Upon reviewing my credit file, incorrect information was found in myreports. The XXXX, Experian and XXXX Credit Bureaus has not complied with theFCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified informationwithout any proof provided, within the time allowed by law, is not authorized. Below are theitems that are reporting on my Credit Reports : XXXX XXXX ; XXXX, XXXX, T ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX A XXXX XXXX AV XXXX, IL XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016 ; DP OF EDUC XXXX Balance : {$17000.00} XXXX DP OF EDUC XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$4200.00}.
Consumer complaint received 2022-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

They call me ever day 3 to 4 times, i have asked to have any legal documents showing I signed and had a contract with this company for the amount they are asking for and for them to provide it to me and to provide it in writing but they have not do so.
Consumer complaint received 2021-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (NY)

I have received a notice from a collection agency that I owe {$800.00} for delinquent payment to XXXX XXXX XXXX. I called the number to talk to someone and told the person I never had an account in my name ever in my life. He asked if I had ever lived at another address and I told him I had lived at this address for the past 20 years. He gave me instruction to send proof that I lived at this address for years and I will go to the post office and I hope that will help. I also called XXXX XXXX and explained the situation and was told that they would enter the case as fraudulent
Consumer complaint received 2021-06-06
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. (KY)

In XXXX I realized I was beyond 30 days behind on my personal loan payment with XXXX. In the past through 2020 I have had income issues related to lost business  from COVID. They had worked with me once before to not report a 30 day late payment. While this has improved, my income has not fully recovered. I had to contacted them to let them know my payment may be past 30 days late. As soon as I could, I payed both the past due and soon after the current month was caught up. After having never reported a payment late before as long as I had spoken with them and arranged repayment, they reported this payment late. Inconsistent reporting, leaves you very confused about the relationship with a lender. Needless to say, this resulted in an 80+ point drop in my credit score, destroying it. The account has been brought current, but is currently just a few days behind and will be caught up in a matter of days. If they are going to enforce their rules, they should do it in all cases. In my case I have had always kept it paid, and when I got behind it was brought up quickly. Please have the late payment for this account removed. Fair is fair, especially as we are trying to recover from an economic situation we did not cause, want or ask for.
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (CO)

2 Separate Apartment complexes XXXX in XXXX Colorado and XXXX XXXX in XXXX Colorado reported evictions under my name. I have never been evicted from any property nor do I have any balances. On my credit report I have XXXX XXXX and XXXX XXXX which state after 2 years should no longer show ... I lived at these apartments XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX ... I have submitted information from both apartments and court documents stating there were no evictions or unpaid balances. These are hard inquires on my credit and need to be removed as well as whatever evictions are coming up under my name-This information is false.This has put me at risk for a current property whom I am trying to lease through. After looking at my credit report there are so many issues that I need help resolving. I have paid off all my collection accounts in full and have requested receipts for the payments.Never received  anything.XXXX XXXX, CONVERGENT OUTSOURCING, XXXX and XXXX XXXX NEVER SENT PAYMENT IN FULL RECEIPTS NOR REMOVED AND CLOSED THE ITEMS PAID.I was told the collection accounts would be not only closed but removed from my credit and marked as paid in full. That has yet to be done also. I have student loan hits from XX/XX/XXXX that are still coming up and I just paid {$12000.00} to XXXX XXXX to take care of almost 3 of the Private Student loans I have. I have utilized my XXXX XXXX and filed disputes but I still see issues and my score has barley raised. I dont know what else to do. I have Supporting Documents I will include as far as the evictions go. I can get bank statements for ALL collections accounts that have been paid in full and the XXXX XXXX payments or whatever I need to do to provide proof these items have been paid. Also most calls say recorded so ALL CALLS made to these companies should be available to replay for proof of what was done and said would be done.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-12-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NC)

I had massive identity theft and was not able to recover funds because the CFPB nor the police protected me when I reported this three years ago. So even though I have receipts of other persons using my bank account, I still did not recover a cent. 

Then, during XXXX I lost a job, had no funds thanks to the identity theft, and had to move to start over. 

I finally started recovering but one of the jobs I took was essentially remote, so I had to step down because once XXXX  ended, they wanted someone more in the office and the job was several hours away. So I did XXXX  to attempt to work, but thanks to XXXX, XXXX  is only now recovering from the pandemic. 

So, I just began a new job a few months ago, however thanks to the ongoing identity theft ( XXXX swapping, XXXX spoofing, device management ) I lost even more funds, that I cant recover despite evidence that other devices were logging into my accounts and my accounts were used in two cities and states at the same time ( XXXX, XXXX ). 

So, I applied for XXXX since XX/XX/2022. Only then did I discover that XXXX XXXX  continued to buy unnecessary insurances for my mortgage and ran my escrow into the negative. Right when I got the initial approval for XXXX, XXXX transferred me ( this is the fourth time my loan has been transferred in a year of owning the home ). XXXX says they have tried to reach out to the lender ( LoanCare ) to no avail. Apparently, unless I call every day, no one is doing what they should and Im about to lose my home because XXXX and LOANCARE cant figure out how to communicate with each other, even though I tagged them both in emails together. Also, concerning my device being compromised, my caseworker in XXXX sent me a spoofing email with device management. This was confirmed by XXXX. 

So Im about to lose my home because my previous mortgage lender did fraud and had to correct it. The social worker over my case helped compromise my device and the police in this state refuse to arrest a pastor and his wife who used my bank accounts and obtained fraudulent student loans, credit cards and loans using my identity.
Consumer complaint received 2019-08-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Pinnacle Financial Group, Inc. (FL)

I currently have two payments left and I was advised that there will be a {$180.00} additional amount due. It was a 39 month loan and I made 37 payments. All of the payments were on time. I was told that the charges were from older payments that were late. I replied that a payment was never sent late and it was an error. Also, I was advised by another supervisor there that the charges will be removed, but the woman I spoke to yesterday advised me that the individual was no longer employed there. This amount is fraudulently added to my balance.
Consumer complaint received 2019-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im a victim of Transunion inquiry issues. I have call to get these inquiries remove but Transunion customers service would not help me.The inquiries I will like to be remove is : 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/XXXX XXXX, XXXX XXXX XXXX.