davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
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. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-03-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION (MA)

I was approved for a loan on XX/XX/XXXX. They sent me an email asking me to upload my ID and utility bill. I followed the directions. I hadnt heard back from them, and I noticed it was taking a while, so I called them in the middle of XXXX. The woman on the phone asked me about a confirmation code, which I could not find ( I am not sure if I received one and/or recorded it ). She said she had an alternative method for me to upload the documents. She explained it to me. I uploaded a new bill and ID. I recorded the confirmation number. 
I called on the evening of XX/XX/XXXX but didnt get through. Then I called again the next day. The woman I talked to said my application was closed because it was more than 30 days old at this point. I explained that I did exactly what I was supposed to do, and in fact, I did it twice. She said that the other representative should have made sure I got a reference number ( different from a confirmation number and given by a representative ) so they could attach my documents to the file. It was a Friday when I called, so that wouldnt be done right away, and unfortunately the paperwork wasnt put together on time, she explained. I asked to speak to a supervisor. The woman said that she would say the same thing, but I asked anyway. I explained the situation. The supervisor said she would escalate it, and have a senior lender take this into consideration. Two days later, I received a letter dated XX/XX/XXXX stating that I was denied. 
I called and spoke to a man who said he would have to put me through to sales. The woman I spoke with said I was denied because the credit check was more than 30 days old. My issue is that I sent in the paperwork in a timely fashion, and I was approved, only to be denied due to their negligence. Here are the confirmations for the second upload on XX/XX/XXXX : ID XXXX, XXXX XXXX.
Consumer complaint received 2022-02-12
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: Experian Information Solutions Inc. (TN)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. XXXX XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-04
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have done many disputing items with these companies they are not investigating the items at all they are only letting you creditors send them payment history and leaving it on the credit report I have XXXX late payments on my credit report and have had a payment plan with the companies I was told they will delete the late payments when payment was made I was told something different Im trying to get my life together and when I called these companies they was rude I got hung up on and it not fair as people we are control by a computer and can make your life so that you can live in this world
Consumer complaint received 2022-02-04
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. (AZ)

XXXX XXXX  is reporting that my XX/XX/XXXX payment was over 30 days late on my credit bureau report. My monthly payment is due on the XXXX of each month. I made an electronic payment via the phone on XX/XX/XXXX. According to XXXX XXXX  the payment was reversed due to insufficient funds ( See attached screenshot from XXXX online screen ). I had more than enough funds in my checking to cover the payment which is reflected in the bank statement page I've included. I've confirmed with XXXX XXXX that the funds were there and they show no payments being returned on their end. XXXX XXXX  made no attempt to contact me to let me know there was an issue with the payment that I processed via phone. I was not made aware that the payment was late until I was working on refinancing my home and it came up on my credit report. I have made several attempts to have XXXX reverse the issue on my credit report and they have declined to admit any errors on their end and as such will not reverse the negative reporting on my credit report. This is the only late payment on my credit report, I have excellent payment history. In addition to this XXXX XXXX  does not allow you to sign up for automatic payments via their website. They have a process in which you must fax in a form to authorize the payments. I have on 4 separate occasions requested the form and faxed it to XXXX never to have had them process the request. The requests were made on or about the following dates- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MS)

Definitions play a huge part in the law, It's our job to continue to bring cases and educate the judge and jury on the FCRA. 
Notice it says, in particular, the word credit was defined only as a permissible purpose to obtain a consumers report only when the collection is in connection with a credit transaction. Is child support a consumer credit transaction? Is my child attached to some kind of loan or credit Im not aware of? Unless you can provide me, these answers remove these items, or I will be forced to sue in federal court for the max penalty on all charges ... as followed bank fraud 1. Monopolization of trade and commerce 2. Identity theft 3. Embezzlement 4. Extortion 5. Coercion 6. Deprivation of rights under the color of law 7. False pretenses 8. Privacy violations 9. Forced peonage 10. XXXX 11. Willfully and intentionally violating the constitution 12. Treason 18 U.S. CODE SECTION 1341- Fraud and swindle 18 U.S. CODE SECTION 241- Conspiracy against rights 18 U.S. CODE SECTION 242- Deprivation of rights under color of law 18 U.S. CODE SECTION 1344- Bank Fraud ( fine and / or up to 30years imprisonment ) 15 U.S. CODE SECTION 1122 Liability of United States 15 U.S. CODE SECTION 1- Trusts , etc, in restraint of trade illegal : penalty ( fine and / or up to 10years )
Consumer complaint received 2022-04-04
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: EQUIFAX, INC. (TX)

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 719XXXX has me at a score around 590. 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 XXXX 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.
Consumer complaint received 2022-02-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Even when I file a complaint with CFPB they come back giving a horrible excuse as to why they couldn't do anything in regards to my disputes. Then telling me to send my disputes to their dispute department OF WHICH I HAVE DONE MANY TIMES ALREADY TO NO AVAIL WHICH IS THE WHOLE REASON I AM COMPLAINING EXPERIAN! I have disputed both of these accounts countless times, I have provided reasons as to why both of these accounts are inaccurate and illegally reporting and yet you keep trying to strong arm me like I am stupid or something. I have given you facts about both of these accounts, I have provided screenshots about both of these accounts as they appear on YOUR REPORT and yet you are still not abiding by the laws and removing them from my credit report! I have disputed two accounts on my Credit Report with Experian MANY TIMES as they are incorrectly and illegally reporting to my Reports. XXXX XXXX XXXX and XXXX XXXX have been reporting an account to the Bureaus as CO ( Charged Off ) every single month for the past 4 or more years. This is to my knowledge ILLEGAL to do as it is manipulating the Statute of Limitations and also the DOLA ( Date of Last Activity ). It is adversely affecting my Credit Scores and I have asked Experian many times to investigate these accounts and remove them immediately per my rights with the FCRA. Every time they have come back saying that the accounts have been investigated and updated and nothing was changed. I call Experian and still nothing has changed they do not remove the accounts even though it is clear that they are reporting incorrectly and illegally. I am demanding that these accounts be removed immediately which by law should have been done already upon my first dispute of these accounts. The documents added provides all of the necessary information you will need to find me in your system and resolve my issue! My name and address are all on my DL provided my social is provided in the attachments as well. The address on my DL is my current address where I have been for well over 2 years you will also find my DOB listed on there as well. There should be no reason that your response back this time says you couldn't handle my dispute because of lack of information provided. Stop stalling and just resolve my issues please! Follow the law and removes these two accounts from my report!
Consumer complaint received 2022-02-04
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)

XXXX XXXX is continuously reporting DEROGATORY STATUS in regards to my loan UNDER FEDERAL LAW (CARES ACT RULES) I reqested a forbearance  COVID-19 (PRIOR to becoming deliquent ) PLEASE NOTE THERE RESPONSE IN PREVIOUS COMPLAINT A LYE !!! XXXX the time of first complaint NOT OFFERING ME THE FORBEARANCE THEN ALL OF A SUDDEN AFTER MY COMPLAINT THEY WERE FORCED TO COMPLY, ALSO THEY VIOLATE THE GRACE PERIOD XXXX no time was I delinquent when applying for COVID-19 therefore its illegal under Cares Act. THEREFORE THERE NOT REQUIRED TO MAINTAIN A DELINQUENT STATIS "there a lyer)  by federal law required to report as CURRENT, I spoke to there legal department numerous times and they agreed the report was wrong then last week he stated it was not wrong and I hung up in his face, there tactics and damaging my report has acquired much emotional harm as well higher interest rates that creates a hefty penalty/LAW SUIT there wrong reporting dropped my score XXXX points QUITE DAMAGING please note I am a payee on the XXXX XXXX law suit and XXXX has adopted the same practices.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX, ( XXXX ), ( XX/XX/1982 ), Content of Complaint this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, Block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists XXXX XXXX XXXX XXXX, Open date XXXX XXXX, Account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO credit report. All of the aforementioned account, Collection are the result of identity Theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account and Collections are the result of identity theft and fraud.
Consumer complaint received 2022-02-04
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 without 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 XX/XX/XXXXtransunion has me at a score around XXXX. 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 XX/XX/XXXXn cant provide to myXX/XX/XXXXdaughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (TX)

I received my escrow analysis which outlined that had a significant deficiency leading into the new year which was going to cause my payment to go up by $ 900+. 

On the escrow payment statement and analysis, they estimated my taxes that would be paid for XXXX and XXXX to be {$6600.00} & {$4200.00}. Since that statement was mailed to me, they paid my taxes which were almost $ XXXX less than they estimated, total amount was {$6000.00}. I contacted them to have it corrected and they stated a high priority task would be submitted to have the analysis recalculated. That would be complete on XX/XX/XXXX and I would get a phone call on XX/XX/XXXX. 

I did not receive a call so I called them back on XX/XX/XXXX. They stated the analysis was redone and my payment was reduced by {$300.00}. I told them that was still incorrect as I went into the year with a surplus in my escrow account and not a negative. They said they would submit a new task and mark it priority, to call back on XX/XX/XXXX. 

I called on XX/XX/XXXX and it is still not fixed and the payment they are requesting is incorrect. They stated they were submitting a new task and marking it as priority. I told them that it is ludicrous that nobody has been able to identify their error and just fix it. Ive been pushed to call back 3x with no resolution. They cant nail down why my payment is so high on the shortage of {$1500.00} which doesnt show to be accurate on my end based on the payment history. They are now saying my taxes reduced on XX/XX/XXXX so they need to run a new analysis which will take 10 business days. 

This company can not identify their error let alone correct it. Even speaking with a supervisor does not resolve the problem
Consumer complaint received 2022-02-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (CA)

Hi, my concern is my refinance mortgage in XX/XX/XXXX. My old conventional loan was with UWM, and my new refinanced conventional loan is with UWM. I used the same loan officer, and broker both times. My refi closed, funded, and disbursed on XX/XX/XXXX with a payoff for my old UWM loan good through XX/XX/XXXX. On XX/XX/XXXX UWM notified my escrow officer that we were XXXX dollars short on the payoff. That would be impossible, the payoff was good through XX/XX/XXXX. She sent another wire with that extra included. Then on XX/XX/XXXX UWM again sent another request stating that the payoff was short XXXX dollars. So the new payoff was good through XX/XX/XXXX and covered interest for the month of XXXX that I already paid with the funding of my new loan. So, reluctantly, I wired the shortage to title, and they sent the new wire out. So, in the end, I have double paid interest on an error with UWM 's servicing department. That is highly unethical, and illegal. I understand their servicing department has no idea what they are doing, however I want my money back, and money for the headache and hassle.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX BALANCE {$1500.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MS)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2022-02-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX {$3300.00} XXXX XXXX {$7900.00} XXXX XXXX {$160.00} XXXX XXXX Code XXXX XXXX Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the XXXX.