davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-04
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. (FL)

I have contacted Transunion in reference to a past letter and also a recent letter sent regarding hard inquires that I did not authorize. They acknowledged and verified that the letters was received and verified the contents of the sent letter. They did not respond as asked and required by law. They did not delete anything nor did they said a letter detailing the process in which they verify the method in which was used to make sure the information was accurate and true-to-fact. I am requested due to the lack of effort to either respond or verify the information. The inquires should be deleted.
Consumer complaint received 2018-06-05
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. (TX)

XX/XX/XXXX ANDXX/XX/XXXX EXPERIAN WAS INFORMED THAT I AM A VICTIM OF IDENTITY THEFT AND XXXX IN THE AMOUNT OF {$420.00} WAS NOT MINE AND SHOULD BE REMOVED. EXPERIAN WAS SENT SUPPORTING DOCUMENTS BUT DECIDED TO SEND STALL LETTERS INSTEAD OF ADDRESSING THE PROBLEM. EXPERIAN CONTINUES TO REPORT ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. XXXX CANT VERIFY PROVIDE SUPPORTING DOCUMENTATIONS SUCH AS A CONTRACT BEARING MY SIGNATURE. I HAVE NO DEALINGS WITH XXXX OR THE COMPANY XXXX THAT IT REPRESENTS. EXPERIAN IS IN COMPLETE VIOLATION. THERE IS NO CONTRACT PLUS THIS ACCOUNT IS A RESULT OF IDENTITY THEFT!! HOW IN THE XXXX   IS IT STILL BEING REPORTED WITH NO CONTRACT AND OBLIGATION BETWEEN THESE COMPANIES AND I.
Consumer complaint received 2018-04-29
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. (NY)

XX/XX/XXXX my dispute was received by TransUnion. They have reported a collection account under the name XXXX XXXX XXXX for the amount of {$1500.00}. I have no idea of this account on my credit report and I believe Im dealing with fraudulent activity of someone having my information because this has happened before. XX/XX/XXXX was my estimated date for my results. TransUnion has still have yet given me a response. I sent out letter XX/XX/XXXX stating they send me verification that the account belongs to me or it would have to be deleted. This is hindering me a lot with is account in collections on my credit report.
Consumer complaint received 2018-06-05
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. (FL)

I submitted a dispute to XXXX  for the account XXXX XXXX XXXX XXXX XXXX that is outdated and DATE OF LAST DELINQUENCY WASXX/XX/XXXXWHICH WHEN ACCOUNT WHEN 30 DAYS LATE THEN LEAD UP TO CHARGE OFF IN BANKRUPTCY. It was sold to a collection agency and is now over 7 years old. XXXX and Trans Union both deleted the account. XXXX failed to remove item after providing sufficient information showing inccuracy, they then reaged the activity date and still are reporting the account. I supplied the original creditors reporting on credit which showed theXX/XX/XXXXdate. This account per the FCRA needs to be deleted as no activity has been made on collection account such as payments or validation. The company is XXXX XXXX XXXX   and the original creditor is XXXX XXXX XXXX. I am attaching original creditor reporting before it was deleted.

Also XXXX XXXX is reporting several 30 day late pays on all 3 bureaus however i attempted to pay all on time but XXXX XXXX  blocked online payment access, has not processed any bill pay payments submitted and will not return my phone calls and hangs up on me when i try to call to make payment. Complaints also have been filed against the company. There are many others who are experiencing the same issues with this company and i also have a pending complaint with the CFPB REGARDING THIS MATTER! See attached documents regarding this account and issues i experienced.
Consumer complaint received 2018-06-05
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. (IN)

Once again ... the only errors that have been fixed by XXXX regarding my VA mortgage loan is they updated the balance on my mortgage loan. 
However ... the payments are still not reflecting what I have submitted to them via on time mortgage payments. 

There is no updated credit score that should reflect all payments ... timely payments I have made towards my VA mortgage loan. I am not receiving the credit points that should clearly reflect my payments with any of the credit bureaus. XXXX can fix the balance on my VA in a timely manner ... however ... look at the attached that does not show all payments that I have made towards my loan. I should also see a definite increase with my credit score to reflect payments being made on my VA mortgage loan. 

This looks like a rental home instead of a mortgage loan with all three credit bureaus. I need the errors, payments and my credit score fixed and updated by XXXX. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to assure an accuracy. Here is the account Im asking you to verify as accurate XXXX XXXXXXXX
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Experian continue to provide false information and now is stating that XXXX XXXX does not report the XXXX Bankruptcy but they are reporting to them that the bankruptcy is correct. I was informed by the representative that the XXXX Chapter XXXX Bankruptcy is still showing on my credit report and it can not be removed until XXXX XXXX sends them a letter stating it needs to be removed. 

Experian representative stated although I submitted the letter from Lexis Nexis dated XX/XX/XXXX showing XXXX XXXX has removed the Bankruptcy from their records, The need a letter from XXXX XXXX telling them to remove the Bankruptcy. 

I'm not sure what XXXX XXXX is reporting to them but Experian is the only Credit reporting Agency that is reporting this false information while all the other reporting agencies conducted an investigation and removed it from the report. Every time I contact Experian I get a different representative who continue to states it has been reported a verified. One Representative states information verified from the Court,  when asked for documentation they have no documents, and the others are stating as per XXXX XXXX. When asked to speak with a supervisor, all calls are transferred to a voice mail of XXXX/XXXX  I'm requesting CFPB investigate what Experian is doing and assist me in seeking monetary damages for their actions. I have contacted the media to go public so other consumers who are going through the same issues could purse a class action claim against Experian.
Consumer complaint received 2018-06-05
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: NATIONSTAR MORTGAGE LLC (IN)

Once again ... the only errors that have been fixed by Nationstar regarding my VA mortgage loan is they updated the balance on my mortgage loan. 
However ... the payments are still not reflecting what I have submitted to them via on time mortgage payments. 

There is no updated credit score that should reflect all payments ... timely payments I have made towards my VA mortgage loan. I am not receiving the credit points that should clearly reflect my payments with any of the credit bureaus. Nationstar can fix the balance on my VA in a timely manner ... however ... look at the attached that does not show all payments that I have made towards my loan. I should also see a definite increase with my credit score to reflect payments being made on my VA mortgage loan. 

This looks like a rental home instead of a mortgage loan with all three credit bureaus. I need the errors, payments and my credit score fixed and updated by Nationstar. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-05
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. (AZ)

I went from NO CREDIT SCORE to XXXX one year and a half by paying my obligations ahead of time, higher then required payments. I have NEVER MISSED a PAYMENT, ALWAYS PAID MORE than PAYMENT DUE! 

THIS CAN NOT BE VALIDATED BY SOME COMPUTER FORMULA! 
ALL AMERICANS ARE DIFFERENT, UNIQUE AND DESERVE TO BE TREATED AS SUCH! THERE IS NO COMPUTER FORMULA THAT CAN VALIDATE THESE CREDIT AGENCIES REACHING THEIR SO-CALLED DATA MAKING DECISIONS and only " FOOLS '' who believe they CAN! Credit Agencies have shown to be lax in acquiring current accurate data on EACH AMERICAN CITIZEN! Make it next to impossible to correct that data! EVEN POORER SECURITY for this DATA! These Credit Agencies ARE NOT BETTER THA XXXX WHEN IT COMES TO HANDLING-SECURING OUR DATA! AT LEAST XXXX ACKNOWLEGED IT! 

How Disparaging-WHY SHOULD ANYONE TRY TO MAINTAIN THEIR CREDIT SCORES WHEN HAVING YOUR CREDIT SCORE CHANGE with a SEGREGATIONIST ATTITUDE, which decribes CREDIT AGENCIES. 

IT SEEMS THAT AMERICAN CITIZENS, WHO HAVE INCOMES LESS THAN A MILLION PER YEAR! THESE Agencies are Biggoted! THEY WILL RUIN A PERSONS CREDIT BY USING FORMULAS THAT DO NOT APPLY TO EACH AMERICAN CITIZEN AS AN INDIVIDUAL-SEGREGATIONIST! 
These credit agencies believe the general public ( American Citizens ),  DESERVE HAVING A BAD CREDIT SCORE-EVEN THOUGH YOUR CREDIT SHOWS NO MISSED OR LATE PAYMENTS! THEIR HYPOCRISY ONLY PADS THEIR POCKETS AND RUINS AMERICAN LIVES ; CAUSING STRIFE TO AMERICAN CITIZENS WHO DESERVE MORE, CAUSING POOR ECONOMICS FOR AMERICAN CITIZENS! 

I Charged instead of paying CASH from SAVINGS. MY CREDIT CARDS are INTEREST FREE still for almost a year. I am saving money collecting interest on my savings account! 
DOES THIS SOUND LIKE A XXXX CREDIT SCORE PERSON? 

I SURMISE THESE CREDIT AGENCIES DROP A PERSONS SCORE TO BENEFIT From Companies Who Charge More FOR LOW CREDIT SCORES! 
I was talking to XXXX XXXX on XX/XX/18 and my credit score dropped to XXXX. I WORKED EXTREMELY HARD FOR THAT CREDIT SCORE OF XXXX! 

I was advised by Credit Agency to get a couple of credit cards to help build my credit score faster! I did and got SHAFTED for doing so!
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CNG FINANCIAL CORPORATION (CA)

This company has repeatedly reported this item incorrectly on my credit. I'm dealing with a debt settlement company that specializes in this hard money, very high interest loans in settling them so the creditor doesn't take a complete loss via bankruptcy. I didn't want to file because I felt there was another way to do this. They've been taking payments since last XXXX and are scheduled for the last payment to take place in the amount of {$700.00} this month. Then the debt is considered paid as settled. Yet they continually keep updating the credit bureaus stating the account is charged off for over $ 4K! It's not true and this is the 3rd time I've had to report them for inaccurately reporting this account on my credit. It's wrong on all 3 bureau reports. The agreement they signed is attached as proof yet again, that this very slimy company continues to pretend they don't know exists. I would suggest contacting their corporate office who is the one that made the agreement, without the knowledge of their rogue collection dept. who keeps trying to say I owe them more and the account was charged off. If they don't fix it I will find an attorney and have the item permanently removed from my credit. If they put it back on after that as a charge off then I'll be happy to sue them! They've repeatedly violated this agreement!
Consumer complaint received 2018-06-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America ran my credit without my permission back on XX/XX/XXXX, and they used XXXX XXXX to do it. I reported Bank of America to the CFPB on multiple occasions in XX/XX/XXXX/XX/XX/XXXX, and they said they would have XXXX XXXX remove the hard inquiries. XXXX XXXX was supposed to have the hard inquiries removed from my report all the way back in XX/XX/XXXX of this year, but they haven't. XXXX still has the hard inquiry from them. I contacted XXXX XXXX on XX/XX/XXXX, and they said I needed to submit a written request to them to give to XXXX to remove the hard inquiry. I sent it via email ( XXXX XXXX said it was acceptable ), but over a month later, the hard inquiry from XXXX is still on my report, and I've been dealing with the whole situation for over half a year. Attached is the email I sent in XX/XX/XXXX
Consumer complaint received 2018-06-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (FL)

My husband and I have gone to XXXX and are leasing a vehicle, due to my husbands declining health he has been hospitalized and placed in rehabilitation several times. This time is for falling and breaking a hip. As you know hes income is our household income and this has changed, for his medical care. I receive social security once a month and its only enough to pay some of the household bills. Bridgecrest has denied lowering our payment on several occassions, they have stated they cant do it, but their a finance company. We just dont understand this. We would greatly appreciate it if someone could give us more information on what or who we can reach to help us out with this. 
Thank you
Consumer complaint received 2024-10-12
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. (PA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  XXXX Account number : # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (NV)

I have an unverified account from RECEIVABLES PERFORMANCE. I had previously disputed this account. I have never done business with RECEIVABLES PERFORMANCE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that RECEIVABLES PERFORMANCE provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that RECEIVABLES PERFORMANCE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (OH)

I became a Chase Sapphire Reserve Card Member in XX/XX/XXXX. One of the benefits of the card is Priority Pass, which allows cardholders access to airport lounges across the world. To be able to use that benefit Chase requires the cardholder to sign up for priority pass and receive a priority pass card in the mail for use. I originally signed up in XX/XX/XXXX for priority pass. The card did not come in the mail. I called Chase two to three times in XXXX inquiring about getting a priority pass card. Each time they said they would submit the request and get it mailed to me. The card never came. During my last phone call I was told if I did not have my priority pass card, to charge the priority pass lounge fee onto my credit card and Chase on re-reimburse me. I dropped it at that point even though I still had not received the priority pass card. On XX/XX/XXXX I attempted to use a Priority Pass Lounge in XXXX and that lounge only lets people in with the Priority Pass card however would not accept payment for entry. In order to use the benefit of the card, I then called Chase to get my priority pass account number ( the lounge would have accepted that ) and they were unable to provide it. I then asked to speak with a manager. Once connected with a manager they told me they were also unable to get my number, and that Priority Pass is Chase 's vendor so Chase had no control over the benefit and problems with getting me access to the card and/or number. Even though it was Chase 's vendor, I was surprised because the manager took zero responsibility for Chase and blamed the issues with receiving the benefit on Priority Pass. The Manager did say they would put in another request to send out the priority pass card. With all that being said it feels like this benefit that I purchased with the credit card was deceptive/a bait and switch. Chase made it impossible for me to use the benefit I am paying for with the annual fee.
Consumer complaint received 2024-10-12
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. (NC)

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 USC 1681 section 602A states I have the right to privacy. And according to 15 USC 1681eb they are suppose to ensure this whenever the consumer reporting agency prepares a consumer report.
Consumer complaint received 2018-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (OH)

I received a letter on XX/XX/2018 from Stoneleigh Recovery Associates for the amount of {$280.00} for a medical bill I phoned this company the same day around XXXX XXXX to explain to the collecter that my medical insurance at the time should have covered this bill. I also explained this debt has been bounced from two other agencies. When telling her the SOL is up on this debt she threatened me by saying it will go on my credit. The hospital I received treatment at did not fill out insurance correctly or send me a bill. Stoneleigh provided no options and expects me to pay a debt I shouldn't owe. I also told the collecter I will contact my insurance at the time and they will handle the bill, I was told that wouldn't work Which is a lie. I also asked for the hospital information which the collecte refused to give me. Her excuse was " They cant do anything about it '' I didnt ask that i asked for the information
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: NCC Business Services, Inc. (TX)

I call the company to payoff at Balance I never knew I had. I pulled my credit report and paid it off on the XX/XX/XXXX. In the amount of {$610.00}. So now everytime I run my report it shows as a red flag. I received my paid in full letter on the XX/XX/XXXX. But every time my credit is ran pops up as a balanced owed. I have Called the collection company, I tried disputing it as well and nothing has happened.
Consumer complaint received 2018-06-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AL)

A loan modification packet has been submitted for review but Ocwen has failed to respond. The lender has violated the Dual Track restrictions of Regulation X, 12 C.F.R.1024.41 ( g ). The lender has failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender also failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).