davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (MD)

My husband got sick with XXXX and could not work so we had to use credit cards to buy groceries and his medication. We also had a water main break at the house and that was costly. When our bills became to much we reached out to a company called XXXX to consolidate our credit cards. All they did was collect our money of over {$3000.00} and have only sent a little over {$300.00} to one of our creditors. One creditor they ignored and the creditor was going to take us to court so we had to take out a loan to pay that creditor off. We told XXXX XXXX to take the {$3000.00} and pay off the other two creditors and they refuse to do so. We have called 4 times. They said over {$1600.00} of the money belongs to XXXX for us being a client. We do not think they are going to settle any of our accounts that they are just collecting money for themselves. We ask for a refund and they said only thing they can refund is {$1000.00} of the {$3000.00} because the rest belongs to XXXX XXXX.
Consumer complaint received 2020-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

On XX/XX/XXXX I refinanced my mortgage loan through XXXX XXXX XXXXXXXX and provided them with an active insurance policy that was in effect until XX/XX/XXXX. Right after the first payment was made, XXXX sold the loan to NewReZ LLC. Shortly after NewRez took control, they sent me a letter indicating they did not have my hazard insurance information. I called and emailed them to tell them they should have obtained this information from XXXX during the service transfer, and I also gave them my XXXX XXXX agent name and phone number so they could resolve the issue. I know it is the responsibility of both mortgage companies to ensure this transfer is executed competently. A month later they sent me another letter and I responded again with my agents name and number. Apparently, they never called my insurance agent to get the correct information in place. On XX/XX/XXXX, NewRez sent another letter telling me they have issued lender-place insurance and charged my escrow account {$1500.00}. On XX/XX/XXXX, I called XXXX and spoke to NewREz Customer service agent XXXX in XXXX TX and told her to call my agent to get the issue resolved. She was rude and refused to follow up. I had her transfer me to Customer Service supervisor XXXX XXXX in XXXX FL who was also rude, unhelpful and did not want to call my agent. I had him transfer my complaint to his boss - XXXX XXXX at XXXX x XXXX. I left a voice mail on XX/XX/XXXX and another on XX/XX/XXXX with no response. I expect NewRez to take responsibility for the error during the transfer of my loan from XXXX, apply the correct loss payable clause to my insurance policy, refund the lender-placed insurance and pay the NOW DUE premium to XXXX XXXX. Please advise. After discussing this issue with my insurance agent, they inform me they were not aware of the change of lender and invoiced XXXX for the new premium with no response from XXXX.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I filed bk chapter XXXX in XX/XX/XXXX// my car loan at the time was 4 payments past due. In XX/XX/XXXX I paid and caught up the loan to keep the car. I signed a reaffirmation agreement with XXXX XXXX  XX/XX/XXXX. They reported it as included in bk. I disputed for the account to be updated properly. XXXX XXXX  approved for it to be removed from my credit bureau. This is not what I asked for. Now have no records on my credit of ever having the loan. It originated in XX/XX/XXXX. XXXX has still yet to resolve the reporting issue. They say the have no resolution and are unsure of when they will. I am about to pay off the loan. The give me the run around and candid answers when I call, about getting up to date statements and getting it reported. The only proof I have is bank account records for payments that have been made. I want to pay this off and stop accruing more interest. I have been trying to settle this since XX/XX/XXXX. I also have called every month since XX/XX/XXXX to get this resolved and I get told its being fixed, then again un XX/XX/XXXX getting fixed, XX/XX/XXXX getting fixed, XX/XX/XXXX its getting fixed, XX/XX/XXXX and nope sorry having technical difficulties to get it reported correctly, ever since XXXX still no answer. BK discharged XX/XX/XXXX
Consumer complaint received 2023-07-23
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. (VA)

Several accounts are being reported with incorrect dates on my credit report. Many inconsistencies in reporting across the 3 bureaus. 

upstart XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-07
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. (FL)

I received a notification a few weeks ago I had a new collection which was odd but was on the road XXXX XXXX. It wasn't until I got home I realize there really was a collection and it was not mine. Looking closer at my reports I saw a number of accounts that were a result of identity theft that have been disputed in the past still remain. 

with Transunion Credit Bureau Systems XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXX/XXXX  XXXX Department Stores XXXX XXXX XXXX  XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX  XXXX ( Inquiry ) with XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX/XXXX  XXXX Department Stores XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXX XXXX ( Inquiry ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX  XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( inquiry ) XXXX XXXX ( Inquiry ) with XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXXXXXX  XXXX Department Stores XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores   XXXX XXXX  ( Inquiry ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX  XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry )
Consumer complaint received 2020-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (NC)

I received a notice from a company called Professional Account Management , LLC from XXXX WI, XXXX XXXX XXXX  claiming they are trying to collect a payment of {$88.00} for an unpaid toll in the state of Delaware back on XX/XX/2018. First of all I never received a citation from the Delaware Dept. of Transportation. Second of all this collector claims it was my 2nd notice which is untrue. This is the first notice! I normally don't even drive through Delaware and they claimed I ran an EZpass lane which I would never do!! When I started to ask  for more detailed information like where is a photo of the vehicle or more information about my vehicle, I was disconnected. There is only the notice to pay with my address and vehicle tag no. in the notice. No other information or photos. 

I would be stupid to pay this based on a statement with no citation nor evidence that I did not pay a toll!!
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TX)

I left the USA on XX/XX/XXXX after I accepted an international assignment with my company. 

Before leaving I settled all my credit cards and debts. I had a credit card with TD Bank and I paid in full its balance. 

A year later, on XXXX XXXX, TD charged me an annual {$49.00} management fee for the credit card I believed was closed and settled. 

I was not monitoring this as I assumed I was in good standing with my debtors, so I didn't see nor pay it. 

I returned to the USA in XXXX of XXXX and I found in my credit report this outstanding amount affecting my credit score. I disputed it via XXXX  the week of XX/XX/XXXX. As a result TD bank updated my report and it now shows the balance as Charged Off since XXXX all the way to today. This lowered my credit score from over 700 to XXXX. 

I have called several TD customer services 1800 numbers and spent several hours on long waits. The TD employees I have spoken to do not know how to settle this and keep sending me to call other 1800 number lines/departments with no one assuming the solution. The TD associates argue that the fee is so old, that they can not see it in their system anymore. I even offered to pay the {$49.00} ( even though I disagree with it ) in an attempt to close the matter and improve my credit score. The TD customer services representatives again argue that the fee is so old that they can not settle it in their system, I disputed the account once more with XXXX  and TD came back with the same vague answer, updating the credit submission as Charged Off. 

On XX/XX/XXXX I sent a letter to : Dispute Resolution department Re : TD Bank Credit Card. 
XXXX XXXX XXXX XXXX, GA XXXX And I have not heard back from them. 

I believe this matter is unfair, a result of an internal mistake from TD Bank, and is directly affecting my credit score. 

Could you please help me to solve and clean my credit score? 

Thank you
Consumer complaint received 2020-06-03
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 attempted to get accounts on my credit report verified or removed. The credit bureau has blatantly denied my request and refused to investigate the issue and I am very upset.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

I filed bk chapter XXXX in XX/XX/XXXX// my car loan at the time was 4 payments past due. In XX/XX/XXXX I paid and caught up the loan to keep the car. I signed a reaffirmation agreement with XXXX XXXX  XX/XX/XXXX. They reported it as included in bk. I disputed for the account to be updated properly. XXXX XXXX  approved for it to be removed from my credit bureau. This is not what I asked for. Now have no records on my credit of ever having the loan. It originated in XX/XX/XXXX. XXXX has still yet to resolve the reporting issue. They say the have no resolution and are unsure of when they will. I am about to pay off the loan. The give me the run around and candid answers when I call, about getting up to date statements and getting it reported. The only proof I have is bank account records for payments that have been made. I want to pay this off and stop accruing more interest. I have been trying to settle this since XX/XX/XXXX. I also have called every month since XX/XX/XXXX to get this resolved and I get told its being fixed, then again un XX/XX/XXXX getting fixed, XX/XX/XXXX getting fixed, XX/XX/XXXX its getting fixed, XX/XX/XXXX and nope sorry having technical difficulties to get it reported correctly, ever since XXXX   still no answer. BK discharged XX/XX/XXXX
Consumer complaint received 2020-05-26
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)

Ive contacted the company numerous times with no resolution on a XXXX XXXX account. This account is fraudulent. I have also Contacted all Three credit bureaus and only XXXX  has responded and stated to me to contact the company. 

I have yet to receive a response from Transunion and XXXX  on this matter
Consumer complaint received 2020-05-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

IC Systems continues to report erroneous information on my XXXX  consumer report. 
In response 6o my debt validation request, I received a bill on XXXX letterhead that does not itemize their claim for the debt being reported that I owe. I am d4manding that this be removed from my consumer report immediately because this is not my debt and I do not owe XXXX  nor IC Systems {$260.00}. 

A copy of a bill does not VALIDATE the bill. This erroneous reporting has caused me tremendous grief in my attempts to refinance my home.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: General Motors Financial Company, Inc. (TN)

I filed bk chapter XXXX in XX/XX/XXXX// my car loan at the time was 4 payments past due. In XX/XX/XXXX I paid and caught up the loan to keep the car. I signed a reaffirmation agreement with gm financial XX/XX/XXXX. They reported it as included in bk. I disputed for the account to be updated properly. Gm financial approved for it to be removed from my credit bureau. This is not what I asked for. Now have no records on my credit of ever having the loan. It originated in XX/XX/XXXX. Gm has still yet to resolve the reporting issue. They say the have no resolution and are unsure of when they will. I am about to pay off the loan. The give me the run around and candid answers when I call, about getting up to date statements and getting it reported. The only proof I have is bank account records for payments that have been made. I want to pay this off and stop accruing more interest. I have been trying to settle this since XX/XX/XXXX. I also have called every month since XX/XX/XXXX to get this resolved and I get told its being fixed, then again un XX/XX/XXXX getting fixed, XX/XX/XXXX getting fixed, XX/XX/XXXX its getting fixed, XX/XX/XXXX and nope sorry having technical difficulties to get it reported correctly, ever since XX/XX/XXXX still no answer. BK discharged XX/XX/XXXX
Consumer complaint received 2020-05-26
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. (MD)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Because of fraudulent Black market activity on my credit, all 3 bureaus have put a one year Fraud alert on my credit.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MO)

Theres been multiple attempts made w/the servicer, FedLoan, as well as all 3 credit bureaus, which even shows in the remarks sections on my reports that Ive disputed under FedLoan. Two major issues, not being corrected. I have SIX ( 6 ) open loans w/ FedLoan, 4 of those loans are being reported CLOSED on XXXX . Those same 4, were originally owned accts by XXXX & transferred to FedLoan. These 4 loans show current & open on XXXX  & XXXX. 

XXXX Original Loan info : {$3500.00} disbursed XX/XX/XXXX transfer date unk {$6000.00} disbursed XX/XX/XXXX transfer date unk {$1700.00} disbursed XX/XX/XXXX transfer date unk {$2900.00} disbursed XX/XX/XXXX transfer date unk 2. My other major issue w/FedLoan is that only on XXXX  report in the remarks section, on the 4 CLOSED loans. My Chapter XXXX Bankruptcy information is listed as if I filed w/FedLoan included. NO student loans were included in my Chapter XXXX Bankruptcy, filed XX/XX/XXXX, later discharged XX/XX/XXXX. Bankruptcy case filed in XXXX  XXXX, MO. US Bankruptcy Court # XXXX XXXX. It was filed under my married name. Which I am now back to my maiden name. They can always verify that information, Ive disputed several times w/ documentation & it still has not been corrected by XXXX  nor FedLoan.
Consumer complaint received 2020-05-25
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: EQUIFAX, INC. (GA)

On XX/XX/2020 I sent out 609 letters to the 3 credit bureaus XXXX, Equifax, and XXXX. These letters detailed the incorrect and inaccurate information being reported to my credit profile. On XX/XX/2020 I sent out 30 day demand to comply letters to all 3 credit bureaus. These letters also detailed the incorrect and inaccurate information being reported to my credit profile. Letting them know it had been 30 days and that I would filing a complaint with the CFPB. Today is Monday XX/XX/XXXX well over 30 days and I still haven't received any results from their investigation.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau 1700 G Street NW XXXXXXXX XXXX XXXXXXXX Federal Trade Commission XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Credit Bureaus for Inaccurate Reporting Dear Sir/Madam , I am writing to formally file a complaint against the three major credit bureausXXXX XXXXXXXX, and TransUnionfor reporting inaccurate information on my consumer credit report. 

As outlined in 15 U.S. Code 1681, the accuracy and fairness of credit reporting are crucial not only for the integrity of the banking system but also for consumer confidence. Inaccurate credit reports can lead to significant adverse consequences for consumers, including denial of credit, higher interest rates, and damage to their reputation. 

Despite my efforts to rectify the inaccuracies reported by these agencies, they have failed to investigate my claims thoroughly or provide adequate responses. This not only violates my rights as a consumer but also undermines the essential function of credit reporting agencies as described in the Congressional findings.Im attaching a copy of my Credit Card Statement for documentation showing when my credit card company reports to the credit bureaus, and you can clearly see the violation. 

I request your assistance in investigating this matter and ensuring that the credit bureaus adhere to their legal obligations to maintain accurate and fair reporting practices. I would appreciate any guidance you can provide on the next steps I should take. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2020-05-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/2020 I sent out 609 letters to the 3 credit bureaus XXXX, XXXX, and XXXX. These letters detailed the incorrect and inaccurate information being reported to my credit profile. On XX/XX/2020 I sent out 30 day demand to comply letters to all 3 credit bureaus. These letters also detailed the incorrect and inaccurate information being reported to my credit profile. Letting them know it had been 30 days and that I would filing a complaint with the CFPB. Today is Monday XX/XX/XXXX well over 30 days and I still haven't received any results from their investigation.
Consumer complaint received 2020-05-26
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. (AR)

I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$63.00} XXXX XXXX XXXX {$130.00}
Consumer complaint received 2022-06-22
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: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX - XXXX XXXX  XXXX 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 a account without my written instruction
s. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX XXXX XXXX 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 a account without my written instruction
s.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX  XX/XX/2021 XXXX XX/XX/2021