davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
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. (PA)

Experian needs to fix the issues about the inaccurate information for the unauthorized inquiries and personal informations reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and personal informations that I am disputing : Personal Information : XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2022-03-31
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. (MS)

Transunion has failed to properly verify the account in dispute and have sent a stall letter. My dispute letter wasnt sent from a third party I attached my licensed and proof of address. They are prolonging my 30days investigation by sending them letter instead of properly validating or removing the account on my file.
Consumer complaint received 2022-07-15
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. (CA)

On XXXX XXXX XXXX, XXXX XXXX XXXX, Account # ( XXXX ) added a derogatory mark on my credit report per XXXX credit monitoring service. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2022-03-22
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: EQUIFAX, INC. (TX)

I sent in a formal request for an investigation on XX/XX/2022, in which they received the letters on the following dates : XXXX XX/XX/2022 XXXX XXXX XXXX, XXXX  Equifax XX/XX/2022 I never received written and actual proof of verification with a hard wet signature NOR did I receive a response at all. I sent in a 30 Day notification letter on XX/XX/XXXX, in which they received on the following dates : XXXX XX/XX/2022 XXXX XX/XX/2022 Equifax XX/XX/2022 According the FCRA, these items should be deleted. I am expecting the attached accounts be deleted for non-verification.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

For the last six months, Experian has repeatedly lowered my credit score each time I paid off a loan or debt. First, I paid off my wife 's vehicle and they lowered it. Then I paid off a loan for a trailer I purchased and credit card debt and they lowered it again. I went from a score in the high XXXX 's ( very good range ) to the low XXXX 's ( good range ) thus dropping my creditworthiness. I have had no late payments, no missed payments, and no adverse issues with my credit. There is nothing in my credit report showing an issue and all creditors have noted I pay on time and am a good customer. No logical reason for this has been provided by Experian. The first time they dropped the score, they claimed it was because I had too high of a debt to income level. Now, with the latest drop, the claim is my mortgage is too new and has too few payments made on it ( a mortgage I've had for five years and never had a late or missed payment. ) What's even more curious is the opposite has occurred through XXXX, which has raised my score with each of the debts I paid off and has never changed their reasoning for giving the score they provided. XXXX 's score is nearly XXXX points different than Experian. 

Experian is intentionally manipulating my credit score and punishing me for being fiscally responsible and paying off my debts. I have no idea why, but that is the only conclusion I can draw. To continually drop my score when I pay off debt, to change their purported reason for assigning the lowered credit score every time I take corrective action to their previous " reason '', leads me to believe what they are doing is intentional and malicious. 

What they are doing has the potential to affect my ability to obtain loans at the interest rate I have earned, rather than a higher one. After forty plus years of being a responsible consumer, that is unacceptable and I request they be held accountable. I have attempted to reach out to them. They operate an automated line that will not give you the option to speak to a human and does not provide an automated option with which to create a dispute specific to this issue. It is the same on their webpage.
Consumer complaint received 2022-03-23
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-15
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. (MD)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX : XXXX XXXX XXXXXXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX XXXXXXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} TransUnion : XXXX XXXX XXXXXXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-12-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: FIRST CITIZENS BANCSHARES, INC. (CT)

I am currently trying to do a refi on my property. During the title search a second mortgage is on there. 
I purchased the home in 2007. I had my first and second mortgage with XXXX XXXX, which went under. The second mortgage was sent to One West and I continued on with them. At some point, the loan was transferred again, however I never received any notice. 
I did not know who to call or where it went. 
To determine who now owns this loan I had to call the FDIC. I then called CIT bank https : //www.cit.com/, which is where they told me it went. 
After many hours and transfers, I finally got a live person who told me " I can see your name and address but that is all I can give you, our system is down ''. To which I asked when it would be back up. They couldn't answer if it would be days or weeks. 
This is a time sensitive document I need for a refi for an emergency, and I am unable to get what I need from a lender who never notified me of the transfer and can not give me the information now and can't tell me when that may be possible. 
This loan transferred well over 10 years ago and if I was properly notified, I would have been making payments to reduce the loan amount. 
Not notifying of a transfer should be illegal. 
I am now in a bad position because of the mishandling of my account by a bank. 
I would like to negotiate a lien release asap due to their error.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (UT)

I purchased a house on XX/XX/XXXX through Cardinal Mortgage. XXXX they sold my loan to someone else, which was expected. I checked my credit XXXX and it still showed that I owed Cardinal Mortgage. I contacted them the end of XXXX and they said that it should be taken off by XXXX. I looked again on XX/XX/XXXX and showed that it was still open. I have been talking to the original broker and they have been working with their corporate to get this taken care of. I spoke with them ( Cardinal Mortgage-Broker ) on XX/XX/XXXX, XXXX, XX/XX/XXXX by phone and email. I have had my realtor contact them as well on XX/XX/XXXX and she gets responses that say they are working with their corporate as well. On XX/XX/XXXX the last response was the Cardinal Broker spoke to the CEO of Cardinal about the problem and he said that he was going to look into it. Still nothing. Right now it shows that I owe XXXX XXXX on my home. And it still shows open. My credit usage is 96 %. Right now, the stress and the limits this is putting on me is not right. The broker is doing everything they can and they are also not getting anywhere. I need this fixed.
Consumer complaint received 2022-03-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Northwest Collectors Inc. (IL)

Submitted a dispute with XXXX Credit bureau and sent a certified mail with the same info to the collection agency ( Northwest collectors inc ) on XX/XX/2022 and to the original creditor listed on the credit report ( XXXX XXXX XXXX ) I checked my credit report and there is a collection reported but I never received any notice, and I had no option to dispute it prior to damaging my record. All my medical bills were paid to the hospital by my insurance plan, and I do not have any unpaid medical bills. Collection Agency failed to provide a written notice and violated my rights.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-21
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)

I filed a complaint on XX/XX/2022 # XXXX it took over 30 days to get a response from TransUnion. Transunion sent their response and case was closed on XX/XX/2022. 

With that said, Transunion did not properly update the credit report with XXXX to report my late pays removed and account in good standing. 

Therefore, I contacted the US Department of Education Default resolution division and spoke to XXXX ID # XXXX on XX/XX/2022 to discuss the situation concerning TransUnion refusing to remove the late pays for XXXX. Agent stated the letter I received a year ago ( which was submitted with complaint and is attached ) should have sufficed and those late pays should shown as account in good standing per the Student Loan Rehab terms and conditions. He sent me another letter ( see attached ) and informed me this letter should clarify with the credit bureaus that they need to update my credit report to reflect no late pay s and in good standing. He told me if this doesn't work to contact the US Department of Education to let them.
Consumer complaint received 2022-07-15
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)

On XXXX XXXX XXXX, XXXX XXXX XXXX, Account # ( XXXX ) added a derogatory mark on my credit report per Experian credit monitoring service. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2022-07-15
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance {$17000.00}
Consumer complaint received 2022-07-15
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. (FL)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. ED FINANCIAL/ESA XXXX Balance {$0.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$1400.00} ; XXXX DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$2300.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$2200.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
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)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. ED FINANCIAL/ESA XXXX Balance {$0.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$1400.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$2300.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$2200.00} ; XXXX DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2023 I noticed an unauthorized charge on my credit card. I contacted Chase Customer Service to report the issue and have the card reissued. The rep on the phone stated she would send the card via XXXX overnight delivery and I should have my replacement card within XXXX business days. This was important to me as I use my card constantly. After XXXX business days with no card received, I called back to Chase and was told by a supervisor that the card was sent regular mail and I should have the card within XXXX business days. I was very upset and asked the supervisor why the original rep said it was being overnighted when it wasn't? He had no answer except that he stated the calls were all recorded and he would look into it. I advised him I wanted this filed within Chase as an XXXX complaint, which he said he would do and that I would hear back from XXXX Management. I did not receive my replacement cards until XX/XX/2023, and I had to use other companies cards in the interim period. It is now 30 days after the issues and I have not heard anything back from Chase yet, either on the delay in the delivery of my replacement card or on the XXXX complaint. I would like the results of their internal investigation about the original employee that lied to me and didn't follow through as I was advised they would.
Consumer complaint received 2022-03-21
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. (PA)

New Information Intent to Sue : Please be advised that as of XX/XX/2022 Experian has failed to respond to my complaint sent via the CFPB on XX/XX/2022. It is now 7 days past the generously allotted threshold of 30 days allowed by Federal Law and Experian has failed to provide any supporting documents and/or PROBABLE evidence that I have any obligation to the mentioned account below. Experian has failed to properly reinvestigate and delete the disputed item from my credit file resulting in injury not limited to being declined for new credit, XXXX  XXXX  and XXXX. I demand that the account be deleted from my credit file. I am requesting an accurate copy of my credit report once the items have been removed. Should Experian choose to continue to be willfully neglectful as it pertains to my credit file, I will file a dispute against Experian in small claims court seeking remedy for said violation. 
Please see UNVERIFIED account listed below : ACCOUNT : XXXX/XXXX  ACCOUNT XXXX
Consumer complaint received 2022-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

On XX/XX/2021 a Citibank credit card under my wife 's name was stolen. A fraudulent purchase worth {$2000.00} was done with this card, even though we immediately reported the theft to the bank and declined the purchase via text message. The bank erroneously claimed that the card was in our possession and charged us for this purchase on XX/XX/2021. On XX/XX/2021 I mailed to the bank 's security services office ample documentation showing that the card was stolen and not in our possession when this transaction occurred. This documentation includes phone and text records of our communications with the bank, as well as an email from the restaurant management acknowledging the theft. On XX/XX/2021 I received a letter from Citibank saying that they were " looking into the transaction ( s ) you disputed ''. I haven't heard from them since. It's almost seven months since then. I am attaching all of my documentation and the letters from Citibank in a PDF.
Consumer complaint received 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Rushmore Loan Management has certified figures as correct & true to the NJ courts, while helping secure a Final Judgment. However it is clear they used CREATIVE Accounting and used made up figures and wrong dates. This Foreclosure complaint is wrong from the start to the present & new recent evidence leads us to strongly believe that fraud has also been committed to secure a Final Judgment. 
XXXX XXXX XXXXXXXX XXXX for XXXX XXXX is the substitute Plaintiff on this Foreclosure with wrong figures from the beginning. It was started wrongly by XXXX XXXX XXXX and attorney XXXX, XXXX & XXXX with a negative escrow balance In breach of the modification contract. They were told by us many times that there was an error but they refused to listen. We now have the proof and its in front of the court on n a Motion to XXXX XXXX.
Consumer complaint received 2022-03-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synerprise Consulting Services, Inc. (AZ)

Synerprise consulting XXXX. 
Refuses to remove collections From credit report Although the debt statue in Texas is 4 years. 
Threatening to my wife while I was in XXXX.