davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
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. (DE)

I am writing to formally demand the immediate deletion of inaccurate and invalid negative accounts on my credit reports with TransUnion and XXXX. Despite my multiple disputes, these negative accounts remain unresolved, with inconsistencies that highlight clear reporting errors between your bureau and XXXX.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I got a letter from the president of the bank vice president and then things were rectified and I no longer hold the money that they said I over then when I used my refunded money back they didn't clear out all the overdraft fees and left like a {$34.00} or some small fee on my checking account it began to grow and swell to {$57.00} or more I don't like tactics like this and I want to close my account and I feel like I'm being charged with an undisclosed hidden fee for closing my account I got a letter from XXXX XXXX Senior vice president XX/XX/XXXX XX/XX/XXXX I'm sorry 2020 I was giving a credit of XXXX on account ending XXXX yet the resolution transaction dispute good newsletter case was approved became an additional hidden about that led to an overdraft fee right now which is the subject of this complaining the reason why I'm closing my my checking account asking to waving the {$54.00} that you're charging my account under the rest you're running my business away and that is why I've contacted you to end our relationship it's unfortunate but you know I can't keep looking over my shoulders for hidden fees and cost address of communication with some XXXX XXXX lady that I do not know
Consumer complaint received 2020-04-19
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OH)

So on XXXX2020 I got a deposit from state of Ohio unemployment on my US bank reliacard. I had been usuing the card for months now, I cant make a purchase, it keeps declining. I cant get money from an ATM either, it says card deactivated. I tried calling the number on the back of the card 10 plus times waiting on hold for more than an hour then it hangs up on me. So i think i need a new card or something. But Cant get through to customer service.called the banks and they said they cant help to call the number on card and i explained I tried all week and cant get through. i need the funds to use for my family please help.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to dispute inaccurate information appearing on my credit report, as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute inaccurate, incomplete, or unverifiable information, and your agency is required to investigate and correct any errors. 

Details of the Inaccurate Information : Creditor Name : Credit First Inaccurate Information : Erroneous Data Your agency has failed to conduct a reasonable reinvestigation into the disputed information within the legally mandated 30 days. 
You have not provided documentation on how you verified the information, as required under the FCRA. 
This erroneous reporting has caused significant harm to my creditworthiness, leading to higher interest rates. 

Enclosed are copies of documents supporting my dispute. 

Requested Action : Immediately remove or correct the disputed information from my credit report. 
Provide a corrected copy of my credit report once the necessary changes have been made. Explain your reinvestigation process and provide the method and results of your verification. If your agency fails to respond appropriately or continues reporting inaccurate data, I may pursue further legal action for non-compliance with the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution within 30 days, as required by law.
Consumer complaint received 2020-04-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NY)

Hello, I have guaranteed 2 loans for my son XXXX XXXX XXXX in XXXX when he was attending XXXX. 
He stopped attending due to family issues. 
I was incarcerated. 
We became estranged. 
During my incarceration I applied and received forbearance up to XX/XX/XXXX with FedLoan. 
I was released in XX/XX/XXXX to a Halfway House in which I stayed for 9 months up to XXXX of XXXX. 
From XXXX until XXXX Fed Loan was sending mail asking for payment to my home address. 
I did not receive any of that mail or any other mail that was being mailed to my home address because my son XXXX was living there and he would not give me my mail or any of my paperwork or belongings. 
In XXXX of XXXX I first checked my credit score and found that it was in the 300 range. I could not understand why it was so low. 
I then found the many late payments on the 2 FedLoans. 
I contacted FedLoan and made a payment agreement. 
After making the payments for 3 months I asked them to remove the late payments. 
They refused. 
I worked with XXXX XXXX credit repair to help me with the ; ate payment issue. 
They were unable to do so. 
I have been paying the loan, applied for secured credit cards in order to increase my credit score.

But that is very hard with having 2 180 days late payments for school loans.

I respectfully ask for your help to remove the 2 180 day late payments please. 
I need your help to raise my credit score and rebuild my life. 
Thank you,
Consumer complaint received 2020-04-21
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. (VA)

Since XX/XX/XXXX I have disputed this with Trans Union numerous times, I have a good standing credit card with XXXX. XXXX I had an issue with the amount that was reported and I asked trans union to correct it Im guessing the representative misunderstood me and they deleted the account altogether. This is a good standing account and is helping my credit drastically on all my other reports Equifax has it all correct. XXXX can verify that this card is good standing and still active but every time I call Trans Union they are refusing to put this account back on my report by them not doing this it is hurting my credit bad. Please help me fix this Ive been working on this for over a year with no progress XXXX reached out to Trans Union and they still have not fixed it. When Trans Union deleted this account it dropped my credit XXXX points I would love for these to be restored as this error was not my fault. Please help me Ive tried everything. I have attached XXXX attachments to this message XXXX attachments are from Trans Union showing where the account Was deleted and caused my credit to drop XXXX points the other XXXX attachments are from Equifax and show the credit card still being reported and in good standing.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

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 2020-04-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I AM A VICITM OF AN IDENTITY THEFT, AND NUMEROUS TIMES I HAVE REACHED OUT TO BANK OF AMERICA AND TO XXXX  TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THE CHARGES ON THE CARD ARE FRAUDULENT, THE ACCOUNT WAS OPENED WITHOUT MY CONSENT. JUST BECAUSE THEY ARE BIG CORPORATIONS, THEY ALSO HAVE TO UNDERSTAND THAT I AM VICTIM AND I SHOULD NOT BE PENALYZED EVEN MORE.
Consumer complaint received 2020-04-21
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. (CA)

1. when I reported fraud on my card in XX/XX/2019, XXXX  still charge late pay fee. 
2. XXXX admitted the fraud on my account and credited back {$4700.00} on XX/XX/2019, but they rejected to correct the statement to credit bureau to change my credit score. and it passed 4 month and credit report still shows old debts : {$10000.00} debts not {$6200.00} 3. {$6200.00} is the transaction more than 90 days from the fraud report
Consumer complaint received 2020-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX again ran my credit for a company called XXXX  XXXX  XXXX. After they knew the company was fradulant but this time they used a different ss number.
Consumer complaint received 2020-04-21
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)

1. when I reported fraud on my card in XX/XX/2019, XXXX  still charge late pay fee. 
2. XXXX admitted the fraud on my account and credited back {$4700.00} on XX/XX/2019, but they rejected to correct the statement to credit bureau to change my credit score. and it passed 4 month and credit report still shows old debts : {$10000.00} debts not {$6200.00} 3. {$6200.00} is the transaction more than 90 days from the fraud report
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

In XXXX Ocwen contacted me to modify a loan on a property. I had abandoned the property after my late husband died and my previous loan servicer, Litton, would not consider a modification. So for 2 years the property was vacant. When Ocwen contacted me I was glad they were willing to work with me since the property being abandoned was a source of XXXX for me. I was told I could not apply for HAMP program thus being given a Shared Appreciation Modification. This has two qualifiers- you owe more than the property value and you dont qualify for HAMP . The modification was done at 2 % on {$120000.00} for XXXX payments ( {$730.00} ) ending XXXX. Payments were fine until XXXX I had some financial issues and got behind. So I requested a payment plan and was told I had to modify the loan. The modification terms were 4 % on {$120000.00} of which ( {$19000.00} ) deferred as forgiveness for next 3 years in equal parts RESULTING in NEW principal balance of {$100000.00} for XXXX payments ( {$750.00} ) BUT SOMEHOW there is a balloon payment of {$69000.00} due and to be paid in full on XXXX/XXXX/XXXX. This was a deceptive modification that had unjust costs. At some point my loan was transferred to a subsidiary of Ocwen, PHH now going by XXXX. 

Recently my mother and father died so I needed some assistance. I requested again a payment arrangement, was delayed 3-4 months due to the companys inconsistent contact which caused the amount to surmount. The terms finally being given as 3.625 % on {$110000.00} for XXXX payments ( {$800.00} ) ending XXXX, which has a balloon payment of {$82000.00} at end of term. 

These unlawful practices should be illegal. They are taking advantage of those in desperation. The value of the property is far less than they are asking for the mortgage. This loan started in XXXX at {$94000.00}. Now Im being charged double. 

XXXX XXXX, formerly XXXX XXXX Loan # XXXX
Consumer complaint received 2020-04-21
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. (KY)

The credit bureau Experian, XXXX  , & XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. Experian, XXXX, & XXXX  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. Experian, XXXX, & XXXX  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. 



I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile.
Consumer complaint received 2019-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I went to pay my payment online at the credit card companies website. It was XXXX XXXX on XX/XX/XXXX, the day the payment was due. Before I made the payment I noticed the last activity on the card was a {$25.00} late fee added on XX/XX/XXXX. 

At the bottom under where you pay a notice said that payments made after XXXX XXXX. EST would not be credited until the next day so even though I was making a payment on the day it was due, I was being charged a late fee anyway which was added the day before the payment was due. I made a payment of {$100.00} and the website said a payment was made on XX/XX/XXXX. 

I called the company the next day and they reversed the fee " as a one time courtesy. '' If a consumer makes a payment on the day the payment is due regardless of what time of day or night it is how is it legal to charge a late fee?
Consumer complaint received 2020-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (CO)

I found out of this when I try to buy a house for the first time that I have a dept of XXXX XXXX from a apartment complex in Texas that I rent in XX/XX/XXXX when I never been in that state I ask for the information about the collection and in the contract of the lease of the apartment there is people that I dont know saying that they are my brother in law and I dont have no brothers in law because my wife do not have any brothers. I report and identity theft because that person is not my self because he is working on that state and I live in Colorado seen XX/XX/XXXX. I report to the IRS the identity theft. I make police report. I report to the social security Administration. Y make a report in the federal trade Commission and I reported to the immigration agents and ice.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

Experian states on my report that XXXX XXXX is the vendor used to verify public records I have provided a letter from XXXX XXXX stating they notified Experian that no record is on there file on since XXXX I have been disputing this public record being inaccurate
Consumer complaint received 2020-04-19
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. (CO)

I have a collection on my credit report for a {$XXXX} opened XX/XX/2018. The original creditor is XXXX XXXX XXXX. The collection agency is XXXX XXXX group. I came to a settlement agreement with XXXX to pay {$XXXX} of the {$XXXX} collection to close and remove the account which i paid. The collection is still being reported. I'm currently in the process of buying my first home and this collection still being reported has my lender at a stand still. I can not proceed any further buying a home because of this reported collection. I've paid the debt as agreed and am still being hindered as if i didn't pay the debt. I disputed this with the credit bureaus and asked them to investigate and requested all documentation verifying where they came up with the {$XXXX} balance. Experian responded in about 10 days and I never received any documentation which means they didn't investigate anything. I then contacted XXXX XXXX group asking for good faith to remove the paid collection and inquiring about why they have not removed the settled account from my report. I was told " that the contract they have with their client XXXX XXXX XXXX. doesn't want anything removed from the report no matter what the status of the collection is ''. I then contacted XXXX XXXX XXXX XXXX Department and explained my situation to them and asked why their contract with XXXX doesn't allow for paid collections to be removed. The XXXX XXXX Department informed me that there is no contract. During my phone call with XXXX XXXX I found out that that XXXXt did not complete everything needed once i paid the settlement. they were supposed to contact XXXX XXXX to inform them we came to a settlement agreement that i paid and the remaining balance of {$XXXX} of the original debt was to be credited to me as a balance of {$XXXX} which never happened. XXXX XXXX showed that I still had an outstanding balance of {$XXXX}. If the the credit bureaus had properly investigated and gathered the documentation I requested this should have been brought to light. I was told to contact and file a complaint with the Consumers Financial Protection Bureau, State Attorney Generals Office and a consumer law, law firm. Thank you for your time.
Consumer complaint received 2020-04-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc. (GA)

Alliance Collections has not provided me proof of validation for the accounts listed below : Account # XXXX for {$680.00} Account # XXXX for {$250.00} Account # XXXX for {$220.00}
Consumer complaint received 2019-05-19
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. (GA)

THERE'S AN ACCOUNT CALLED " XXXX XXXX '' HAS ME LISTED AS AN AUTHORIZED USER, HOWEVER THIS ACCOUNT DOES NOT BELONG TO ME AND I WOULD LIKE FOR IT TO BE REMOVED. ALSO THE ADDRESS XXXX XXXX XXXX XXXX, NY XXXX DOES NOT BELONG TO ME AS WELL. THIS IS AN ERROR ON MY CREDIT FILE THAT NEEDS TO BE REMOVED ASAP!
Consumer complaint received 2020-04-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (TX)

I called ACA ( American Credit Acceptance ) twice in XX/XX/2020, the month prior to the due date of my first payment, to inform ACA that I need some assistance due to the Stay-At-Home Order because of the coronavirus pandemic. ACA informed me that I am current and there is nothing ACA could do for me since I have not made my first payment. I informed that my XXXX payment will be late and I need a 2 to 3 months deferral. ACA denied me the deferral. I called again the first week of XX/XX/2020, to discuss my car payment. ACA refused to give me any assistance. I explained to the agent that I am being affected like everyone else in the USA, I am self-employed and all my clients have stopped paying me. ACA firmly denied any help. My due date came on XX/XX/XXXX, I was not able to make my first car payment. Then ACA started making collection calls as early as XX/XX/XXXX twice, on XX/XX/XXXX, on XX/XX/XXXX, on XX/XX/XXXX. Called ACA after I received a threatening letter to repossess my car and to accelerate my car loan after the agents promised me that ACA is not repossessing any vehicles. I spoke to a Supervisor and she agreed that the letter should have sent out and it was system generated. I informed her that this is a written statement that contradicts what she was telling me. I decided to file a compliant.