davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I resolved a repossession debt that occurred on XX/XX/XXXX for a lease from XXXX XXXX for an XXXX XXXX XXXX. The outstanding balance was XXXX which XXXX told me was due and stated I'd like to settle this debt. They provided their debt collector XXXX @ XXXX to resolve this matter. We agreed on XXXX that was paid in full on XX/XX/XXXX. Two days later, XXXX reported the debt as a Charge Off that appeared 37 times on my credit report. I submitted a dispute that this is incorrect as per the FCRA, this should only be reported one time, not 36 additional times. In addition on XX/XX/XXXX, they updated the credit removing one charge off and adding a repossession occurred on XX/XX/XXXX. This again is incorrect and inaccurate which they have denied. This has caused me financial damage as I'm unable to obtain a loan at a lower interest rate and my credit score dropped by 100 points on Equifax, XXXX, XXXX as result of this irreparable damage to my credit profile. I demand that this be addressed by XXXX for the Account # XXXX. I reached out to both XXXX and XXXX, both have deflected blame and stated this is how it's done and reported and will take 90 days to update. Unacceptable, this has caused me financial harm.
Consumer complaint received 2020-12-06
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)

XXXX XXXX REPORTED A 30 DAY LATE ON ALL MY CREDIT REPORTS. XXXX STATED THAT THEY HAVE CORRECTED THIS WITH ALL THREE BUREAUS BUT NOT ONE IS REMOVING IT ( EXPERIAN, XXXX  AND XXXX  )
Consumer complaint received 2020-12-06
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. (TX)

XXXX XXXX REPORTED A 30 DAY LATE ON ALL MY CREDIT REPORTS. XXXX STATED THAT THEY HAVE CORRECTED THIS WITH ALL THREE BUREAUS BUT NOT ONE IS REMOVING IT ( XXXX, XXXX  AND TRANSUNION )
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (GA)

My conventional mortgage loan has been with Ameris Bank Mortgage Services since XX/XX/XXXX. 

More details : Loan details Original loan amount {$210000.00} Original loan date XX/XX/XXXX Maturity date XX/XX/XXXX Current interest rate 3.5 % Loan type CONVENTIONAL RES WITHOUT PMI Payments throughout the life of the loan, and before, when serviced by another company, have been mailed and received on time. 

Only with the historic and unprecedented degrading of our post office delivery system, has the bank not received an on time payment. My delays began in XXXX of XXXX. 

Steps taken to correct the late payments : 1. Switched to autodrafting electronic payments beginning XX/XX/XXXX 2. Askes for and received one late payment refund for XX/XX/XXXX. 

These actions were taken without a single communication from the bank on the slowdown in service or any other communication prompting my actions as suggestions. Immediately i started receiving twice weekly annoying phone calls demanding payment. No acknowledgement of my previous on time history given. 

I still have late payments for XXXX and XXXX that should be forgiven but are being refused. Thus my compliant : how can consumers be put into such an awkward and helpless position? 

Ameris Bank does not deserve my business over the way they have not managed this situation. 

I completed my objective entering this compliant. 

Best regards, XXXX
Consumer complaint received 2021-03-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (CA)

I applied for a small car loan after obtaining more than XXXX days at my job at which I made XXXX annually. I did not get a fair credit opportunity by my bank as they denied my car loan. 
The loan was then passed over to XXXX XXXX who manipulated my credit score to approve the loan. My principle was not being applied properly at which time I notified XXXX XXXX. Immediately after a man came and stole my car with no demands for payment in writing. I was terrified. I have XXXX due to this so now I have to truck my groceries on the bus and its making my XXXX issues worse. 
Treating woman unfairly when it comes to loans is a XXXX. We are then XXXX from and XXXX. Put on XXXX XXXX to XXXX and this is not ok. Accurate banking is a plus for woman. It keeps us safe. I deserve every chance to make my business great and I cant because Im being XXXX by the XXXX By corporate XXXX. If you didnt understand a woman gave you XXXX The population of woman is going to XXXX at this rate and so will our human XXXX 
There was a third XXXX loan application through XXXX that went in XX/XX/2020. I did not fill out that application. I would like to know if there is a loan going on in my back pocket? I was also approved for a loan in XXXX for little under XXXX. I did not receive those funds. Where are they? Am I going to be held responsible for a loan I did not get direct deposited? I did not receive any money from a loan yet my money is continuing to transfer out of my account of edeposits. Whats that all about?
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HIGHLANDS RESIDENTIAL MORTGAGE (MI)

We closed on the sale of our house in XX/XX/2020. During the closing process, there was miscommunication between our mortgage holder and the title companies involved. Our mortgage company paid the winter taxes in full before we closed ( which they were not supposed to do ) we then got charged the prorated amount at closing, resulting in the winter taxes being double paid. The refunded amount went to our buyers mortgage company and was placed in their escrow account when it should have come to us. We had a split closing, and the 2 titles companies ( XXXX XXXX XXXX XXXX XXXX XXXX ) involved talked and came to an agreement that we were due a refund of {$1900.00}. Our buyers mortgage ( Highlands Residential Mortgage Ltd from XXXX, TX ) company refuses to send us the money that is rightfully ours. I will attach an email chain that details this in fully.
Consumer complaint received 2021-11-12
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: Experian Information Solutions Inc. (FL)

On XX/XX/2021 I put Experian, XXXX XXXX XXXX XXXX on notice that someone had attempted to use my information to obtain different lines of credit. I also filed a FTC report along with a police report. I called into each credit Also on Tuesday XX/XX/XXXX, spoke with different agents about the matter. XXXX and XXXX XXXX both confirm that that they received my complaints and proceed to delete that Hard inquiries from my credit report.Today I checked my XXXX XXXX Account and to my surprised I noticed that they in fact deleted the inquiries but then some how placed them right back on my credit report I have attached screen shots of what I see on my end.Im attaching the list of hard inquiries that do not belong to me to knowledge and after calling the creditors making sure I do not have any open accounts with these companies. 


now Im am contacting your company to have to you promptly fix this matter is low horrible to anyone else that might decide to business with that credit has been ran so much and I can deeply about my credit and the business I do with creditors that I do have. I my credit report reflects that much. 


Heres the list of the inquiries that were added back on I'm assuming by mistake to the computer system. 

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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX. XXXX
Consumer complaint received 2021-03-25
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. (FL)

XXXX XXXX XXXXXX/XX/XXXX does not allow for input and proper documentation of any calls or correspondence after the account is closed. 
All my calls have not been documented. 
All my complaints via a call have not been documented. 
Prior to the closure, I could send an email. Since the account has been closed, I am unable to have access to both of my prior loans paid in full. 
I have a dispute of the only 30 day late in my Credit Report from XXXX. It was admitted that they had internal personnel issue due to CoVID-19 and payment processing. 

Come to find out, my calls to inquire and dispute, NONE have been documented since the representatives are unable to document the dispute. 

I am also filing a FDCPA and ECOA complaint. 

XXXX XXXX Dispute Department XX/XX/XXXXXXXX XXXX, XXXX XXXX Re : Account : XXXX Escalated Complaint / XXXX XXXX Research Department / CFPB Reason For Dispute payment processed XX/XX/2020 ; 30 day derogatory Please correct the reporting of the 30 day delinquency for the PAYOFF that was processed on XX/XX/2020. This was unbeknownst and unrelated to any fault of mine. As you can see by my payment record, even after being intubated XX/XX/2020, not being medically released to return to work until XX/XX/2020 just to be Furloughed until XX/XX/2020, I made all of my monthly payments. 

I paid off my other loan in the amount of {$18000.00} with you, too, in or around XX/XX/2020 as soon as I was able to function. My accounts were never placed on a Forbearance, despite of my situation. 

I do not know if due to CoVID-19 the payoff was not processed in time, USPS or other delivery methods delay due to the Pandemic. 

However, I do know it was to no direct fault of my own. 

I appreciate your swift assistance on this matter.
Consumer complaint received 2021-03-25
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. (FL)

I'm currently going through a drawn process of disputing and removing a fraudulent item on my credit report from EXPERIAN. 

In XX/XX/2016 an account stating that I owed XXXX XXXX XXXX an amount of {$5700.00} appeared on all three credit bureaus. After I noticed this error I immediately had a fraud alert place on all my credit reports from the credit reporting agencies then disputed them ; this took some time but eventually, I successfully had this entry removed from my XX/XX/XXXXand XX/XX/XXXXcredit reports having proven my identity was stolen and used for fraudulent purposes. 

Experian has given me a very hard time in removing this entry, I have disputed this entry from XXXX XXXX XXXX through Experian over several occasions and have not been successful, each time the entry comes back as verified also no method of verification was stated to me for my records. I have sent multiply documents to Experian more than proving that this item is an account due to fraud and nothing has been done. 

This run-a-round has cost me my time, money, and opportunities due to this account. Ps. I've also tried contacting the furnisher of this account XXXX XXXX XXXX XXXX XXXX and have never received any response. Experian now REFUSES to dispute any disputes I submit pertaining to XXXX XXXX XX/XX/XXXX which is gross disregard of my rights according to the Fair Credit Reporting Act. 

I am completely holding Experian responsible for all damages caused to credit information they possess under my name. 

I aslo want to be absolutley clear that I am submitting this complaint of my own accord.
Consumer complaint received 2021-03-25
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. (AL)

I found out I was a victim of theXX/XX/XXXX data breach so I sent letters to the bureaus last summer asking them to remove all of the inaccurate accounts off my credit report. Fast forward months later and nothing was done so I sent another letter certified mail to them but still no response. Now I'm asking you all to do whatever you have to do to force them to remove all of these inaccurate accounts. I sent the last letter in XXXX so it's been well over 30 days and I feel like they're taking advantage of me. Maybe you all can fine them or something and force them to remove these items because it's ridiculous for them to keep reporting information that I've already told them is inaccurate
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (CA)

On XX/XX/XXXX we received notification from XXXX XXXX XXXX about an attempt to collect an outstanding debt from XXXX XXXX XXXX XXXX in the amount of {$250.00}. ( SCS Acct # : XXXX ) We responded to the attempt to collect with a dispute on XX/XX/XXXX providing a 5 page written document and multiple pages of supporting bank account documentation and sent it via the US Postal Service to the mailing address provided by SCS XXXX Inc. ( XXXX XXXX  XXXX, XXXX, NY. XXXX ). This response to the Attempt to Collect was well within the 30-day  window required by law. 

On XX/XX/XXXX, at approximately XXXX Hours, we received a phone call from XXXX advising us she was reporting our outstanding balance to XXXX XXXX XXXX XXXX to the credit bureaus as we had not shown proof that we had filed a dispute or paid the outstanding balance of {$250.00}. ( SCS Acct # : XXXX ). 

XXXX also further stated to my wife that she had not received any formal documentation from us, felt we were lying, and XXXX XXXX XXXX is a multi-billion dollar company so why would they care if our credit was damaged due to our inability to pay. XXXX was told it was not an issue of our inability to pay, it is that we are being made to pay for charges we did not incur after our account was closed and this was not the first time we'd played this game with XXXX XXXX XXXX and on principle alone, we were not willing to pay them for services not rendered. XXXX did not leave an extension or call back number. 

XXXX is incorrect in that we DID send an entire packet of hardcopy documents to Sunrise Credit Services on XX/XX/XXXX via the XXXX Postal Service and CCd to our retained legal team at XXXX XXXX XXXX. 

Attached below you will find the entire letter initially sent to SCS , IncXXXX and the supporting documents attached as PDF copies. All of the attached documents provide a very detailed breakdown of the disputed amount and reasoning. 

All documentation was also emailed to multiple email addresses at SCS, IncXXXX on XX/XX/XXXX at approximately XXXX Hours.
Consumer complaint received 2021-04-06
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. (FL)

I sent one of my first letters to the three credit bureaus to dispute the accuracy of the account CHILD SUPPORT ENFORCEM ; with the account numbers XXXX on or about XX/XX/XXXX ; and After 73 days of inaction, it is clear Experian doesnt want an amicable resolution. 
Among the inaccuracies I listed was the late payment reported XX/XX/XXXX. My wages were garnished. The payments were automatically withdrawn before I was paid by my employer. I was only required to pay $ XXXX monthly ( Child support order is attached ) ; however as you can see from my XXXX bi-weekly pay stub and XXXX - XXXX annual financial statement, I was garnished $ XXXX  monthly. My payments were never late because I never had control over them ; the CHILD SUPPORT ENFORCEM agency did. 
5 U.S. Code 1681i : Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer A fair resolution is for Experian to immediately delete the CHILD SUPPORT ENFORCEM account immediately for not complying with FCRA or for Consumer Financial Protection Bureau to provide me with the means to adjudicate the violations.
Consumer complaint received 2021-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  disputed and account twice XX/XX/2020 and XX/XX/2020 with XXXX XXXX  reporting inaccuracies on and account it says I had and deposit related account 1month term which XXXX was written off XXXX is past due and 10 charge off XXXX refused to remove the error stating that they just report what the company sends I explained to XXXX you can't have an account with a one month term have a written off amount an past due amount and 10 charge off on the same account and it all be correct they refused to remove the inaccurate information and it has to be disputed a 3rd time they are in violation of the ftc rules Transunion llc was disputed as well same information provided error not removed
Consumer complaint received 2020-12-05
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. (CA)

I am a victim of identity theft and did not make the charge. I ask that the item be blocked to correct my credit report. I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. Please investigate these matters and block the disputed item as soon as possible.
Consumer complaint received 2023-02-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have sent complaints to the company directly as well as to all 3 credit reporting agencies. This false incorrect information continues to be reported on my credit reports XXXX, XXXX, and Transunion. These accounts do not belong to me but yet they continue to report these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-06
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. (FL)

I sent one of my first letters to the three credit bureaus to dispute the accuracy of student loans from the Department of Education ; with the account numbers XXXX on or about XX/XX/XXXX. Among the inaccuracies I listed was that the Department of Education, and DEPTEDNELNET duplicated similar derogatory information for the same student loans. It is negligent for TransUnion to allow Department of Education and DEPTEDXXXX to Morph or duplicate negative credit information for the sole purpose of injury. After 73 days of inaction, it is clear TransUnion doesnt want an amicable resolution. 
Another inaccuracy with the Department of Education account on my credit report is the date a single account was opened. Transunion is : XX/XX/XXXX and Experian is : XX/XX/XXXX 5 U.S. Code 1681i : Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer I have attached my account information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX You will see that my student loan is in Forbearance. 
A fair resolution is for TransUnion and XXXX  to immediately delete the four Department of Education accounts listed on my credit report for not complying with FCRA.
Consumer complaint received 2021-04-06
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. (NY)

I have two unauthorized hard pulls on my credit 1. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX Never authorized 2.XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX Never authorized