davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am XXXX XXXX military personnel, I have my money deposited for my loan to be paid and XXXX is to take the money out as scheduled on the XXXX and XXXX of each month. The money just sits in the account to be drafted on the specific date scheduled. I have spoke with representatives that are extremely rude, I have also tried to speak to a manager and the leadership refuses to speak with me as well. XXXX takes the money out 3-5 days later when the account is lower than the loan amount and then reports to my credit the loan is being neglected which has taken my credit score down 70 points. As a military personnel I am unable to always call as to why my account is authorized for auto draft. These false reports is causing my superiors to be alarmed thinking I have a failure to maintain financial responsibility. I need someone to please assist me so I can continue to do my job in protecting our country with a clear state of mind.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX ( XXXX ) : Experian XX/XX/XXXX XXXX XXXX PDT From XXXX XXXX XXXX Other Experian has no record of this account. The other credit bureaus do. Experian advised me to request from XXXX to resend the account information to Experian so that my credit score will increase. I'm trying to buy a home and get the best terms. XXXX XXXX XXXX  XXXX XXXX XXXX said Experian was responsible for deleting this account information in error not the XXXX. I want Experian so to add it back to my credit report. The information was mysteriously deleted from my credit report. Experian Report XXXX. Experian should have updated the status as paid car loan. Instead, Experian deleted the from my credit report and thus lowered my score. I should have three paid off car loans, two from XXXX but now only one from XXXX shows up on my Experian credit report.
Consumer complaint received 2020-04-17
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. (CA)

I mailed out my letters to XXXX on XX/XX/2020. I received a response today XX/XX/2020, We recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. We take privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized party. 

They did not leave any advice on how to submit the request, so that they will know that the request is directly from me. This just seems like a stall tactic. 

I have submitted request before the same way and nothing was removed nothing was updated i.e. comments under the accounts, personal information remained the same. In my request ( disputes ) I provide a copy of my social security card, driver license, and a bank statement and they have failed to remove the accounts, and update my personal information. 


Experian : This company has failed to update the comment section of the accounts that these accounts have been disputed by the consumer. I sent out my letters to them on XX/XX/2020, and when I log into my Experian account all the disputes have been completed but some accounts dont have the verbiage that consumer disagrees and has disputed the account. 

Please look into this for me any assistance that you can provide would help. 

Thank you!
Consumer complaint received 2019-03-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

LOAN # XXXX BORROWER : XXXX XXXX PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX, WA # XXXX XXXX ** We are trying to negotiate a short sale on the above referenced property I was advised the investor is countering the offer that is currently price at $ XXXXto increase to {$160000.00}. I am disputing this and feel the dispute is warranted because the XXXX that SPS currently has on file values the property at {$140000.00}. Which is in line with our current offer is and should be approved since the offer on the short sale is fair market value. The investors expecting to receive above fair market value according to their counter is unethical and no up to distressed homeowner protection laws.
Consumer complaint received 2020-04-22
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. (CA)

In the month of XX/XX/2020, I discovered that there was fraudulent information/accounts on my personal credit report and I researched how to correct this information to move forward. I submitted to each credit bureau my dispute letter signed and dated, my identity theft affidavit and I sent each package to each credit bureau, XXXX, Trans Union and XXXX  via certified mail with tracking numbers which cost me approximately {$37.00} to do this. XXXX  Certified Tracking Number : XXXX, Trans Union Certified Tracking Number XXXX and XXXX  Certified Tracking XXXX. I paid in addition to review my credit reports with my credit monitoring website {$29.00}. On XX/XX/2020, I received confirmation that each credit bureau received my dispute packages and I know my rights with in the Fair Credit Reporting Act section 611. Today is XX/XX/2020 and to date, I have not received ANY letters from the credit bureaus advising anything of their investigation to my dispute, nor has there been anything deleted from my credit reports. The credit bureaus have 30 days from the receipt of my dispute package XXXX XX/XX/2020 XXXX to investigate and/or delete disputed items. Today, XXXX XXXX makes this well over the 30 day mark and it is now 59 days since they received my dispute packages. I am filing a complaint due to my rights have been violated as a consumer and will be seeking legal council if this is not expedited immediately. I have paid a total of {$110.00} approximately for mailing dispute packages and paying for an ongoing credit monitoring service since discovering this fraudulent activity on my credit report. Please help me take care of this immediately as it is causing severe distress along with having to stay home during this pandemic.
Consumer complaint received 2020-04-17
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I received a explanation from SPS servicing today XX/XX/XXXX. In this letter it's states that I owe XXXX + an additional {$34000.00}? That brings the total {$150000.00} for this home? If this home was sold you would never receive that price. You never answered to me why this balance never goes down, with this modification loan. I thought a modification is to help you, not to destroy you. My cousin also who lives in Florida got a loan modification, several years after me and her balance has come way down. Me, mines has tripled and will never come down. Why does SPS servicing have a bad XXXX rating, and it definitely shows in the way people are treated by them. My ex bought this home in XXXX for {$89000.00} that's over 21 years ago. What's the purpose of a loan modification, if it's not helping? My Congressman XXXX said that you're doing this to make a profit, when you can eliminate a portion of the debt, and allow me to pay less than I originally borrowed. He said I should be getting a principal reduction and a lower interest rate. Why did you send me another application for a loan modification?
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

There is an error in my bank statement from XX/XX/2018 to XX/XX/2018. Apparently, there is a double billed/charged in the amount {$1200.00} from XXXX on XX/XX/2018. The transaction was already settled with refunded from the merchant provided with documentation in attachment, after I reviewed the statement on XX/XX/2018 showed extra double billed/charged in the amount of {$1200.00} that has been settled. Please fix and update the error.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

XXXX XXXX XXXX and XXXX XXXX ( co-signer ) are on the lease ; account number XXXX, monthly payment {$490.00} XXXX XXXX XXXX XXXX, end date XXXX XXXX. 
At the time there were two accounts with Chrysler Capital. Payments were being made on time on both accounts. Prior to the lease coming to an end there was a dispute as payments that were being made were being applied to the wrong account creating the lease to report delinquent when it was not. Several calls were made in XXXX to Chrysler Capital to investigate and make whatever corrections needed to be made as the lease was being turned in and a new vehicle was being leased with no issues. Each time a follow up call was made the process needed to be started over again to no resolve. Now we are in XXXX and trying to take out a loan, this XXXX XXXX is still reporting OPEN ( when it is closed ) and it is paid in full! This mark is preventing the co-signer XXXX XXXX who is a veteran of the XXXX XXXX and retired XXXX Police Detective from getting a loan to put siding on his home because he is not able to paint his house anymore. Chrysler Capital is damaging his credit score yo a place that he is struggling, a XXXX XXXX and retired cop! 
At present CHrysler CApital is misappropriating funds and not reporting exact payment amounts in the online account portal of three vehicles : Account, Numbers are- Account # XXXX, Account # XXXX and Account # XXXX. 

Three payments in the month of XX/XX/XXXX alone have not been reported appropriately. 

Chrysler Capital has done considerable damage to the credit reports of XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2020-04-17
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. (NC)

I have been disputing with Transunion for the past nine months and they have yet to identify the specific details I asked for in my letters. They never respond to anything I send and there are quite a few accounts that have false information that they are reporting. I just want things to be reported properly and the items removed that aren't reflecting the right information. I have a lot of goals that need to be reached and my credit score needs to be correct, I also need most of the negatives removed for my goal to be captured. I will attach all the letters I've sent to this complaint so you can see my frustrations.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion has been fraudulently using inaccurate information on my credit report for years. I have tried disputing the account multiple times, calling, and I will have no option at this point but to file suit under the Fair Credit Reporting Act unless this item is removed from my report entirely. 

There is an item they show on my report by the name of XXXX  ( acct # XXXX ), formerly under XXXX XXXX XXXX, which they are displaying with inaccurate dates, info, reporting as multiple entries with different origination dates, inaccurate status, and fraudulently showing this account as open on in collection when I have no unpaid accounts to my name. 

Transunion has made ZERO attempt to rectify this situation, and my FICO score with Transunion is a full 50 points lower than with XXXX or XXXX. 

I have contacted XXXX  and XXXX XXXX XXXX  and they concur that this is inaccurate reporting on the fault of Transunion. 

The handling and concern for myself with this matter on the part of Transunion has been appalling.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (TX)

I was unable to continue to make payments and requested the account be closed in writing on XX/XX/20. I had a balance of {$400.00}. However, I continue to receive statements with increasing balance. XX/XX/20 statement shows a balance of {$590.00}.
Consumer complaint received 2020-04-17
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: Colony Brands, Inc. (FL)

XXXX XXXX reported a hard inquiry to XXXX on XX/XX/20. I contacted them, they were unable to find any information regarding me applying for credit. I havent applied for any credit for XXXX XXXX or any companies affiliated with them. This isnt the first time a hard inquiry was reported on my credit & it was removed.
Consumer complaint received 2020-04-17
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion dropped my credit score 88 points due to a bankruptcy that I filed in XXXX. This was known to them for years. I discovered this on XXXX XXXX XXXX. 2 days later XXXX  does the same. This is unfair as this info is not new info. I have attempted several times to call Transunion on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to speak to a live person. I want a complaint filed. I want my credit scores corrected asap. I want a monetary settlement of some sort.
Consumer complaint received 2020-04-17
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. (CA)

I mailed out my letters to TransUnion on XX/XX/2020. I received a response today XX/XX/2020, We recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. We take privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized party. 

They did not leave any advice on how to submit the request, so that they will know that the request is directly from me. This just seems like a stall tactic. 

I have submitted request before the same way and nothing was removed nothing was updated i.e. comments under the accounts, personal information remained the same. In my request ( disputes ) I provide a copy of my social security card, driver license, and a bank statement and they have failed to remove the accounts, and update my personal information. 


XXXX : This company has failed to update the comment section of the accounts that these accounts have been disputed by the consumer. I sent out my letters to them on XX/XX/2020, and when I log into my XXXX  account all the disputes have been completed but some accounts dont have the verbiage that consumer disagrees and has disputed the account. 

Please look into this for me any assistance that you can provide would help. 

Thank you!
Consumer complaint received 2020-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (AZ)

Quicken loans notified me of an impending change to my servicer in less time required by law, 15-days. I  was notified today XX/XX/2020, verifiable by time stamp via email, and not USPS, that my loan would no longer be serviced by quicken as of XX/XX/2020. Sparse information was provided regarding the new servicing company. I contacted quicken loans today, XX/XX/2020, to discuss this issue to which Quicken said they sent their email on XX/XX/2020, to which I am not in receipt. Quicken did not offer any reasonable solutions.
Consumer complaint received 2019-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NV)

I am trying to get PMI removed from my mortgage. My mortgage company is XXXX XXXX XXXX XXXX XXXX. My home purchase price was approx 200,000.00, Property value at time of purchase was XXXX. Now my property value is approx XXXX with a principle loan balance of approx XXXX, which makes my LTV approx XXXX.

I have followed the instructions from my mortgage company and submitted my requests in writing, but I have not gotten any responses.
Consumer complaint received 2020-04-17
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. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of XXXX XXXX XXXX # XXXX my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-04-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (AL)

Ace sent a very threatening email saying they would file a lawsuit against me making me pay over XXXX unless I paid roughly {$400.00} I have not gotten in calls, letters, I dont know when this debt was or how old. It was very threatening.
Consumer complaint received 2023-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NC)

I had a 2nd venmo account attached to my daughter 's phone number which is XXXX. I signed her up for a teen account attached to my venmo account which is XXXX and it said i need to close one account. The account XXXX needs to be closed and $ $ transferred to me or simply transferred to the teen account. The teen account could not be opened because they said it was tied to another account. I can not even access the other account. It has over {$200.00} in account with no way of accesing the account. Help!!!
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Persolve, LLC - Legal - Series 2 (CA)

I was notified by a collection account XXXX XXXX XXXX by a they made to my wife I requested that all communication be made via U.S mail and that any phone called would be recorded sense they threaten sue me and put lien on my home, i ask them to forward any paperwork to that showed i owed them money or had a debt with them, they could not show me any thing and didn't supply me with the paperwork i requested. now after almost sense months later they have team up with another collection company never giving copies of the debt they are trying to collect on and threatening legal action with a company called persolve legal group with have a tendency to file lots a law suits to try get a judgement against you.
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX and XXXX, I made three payments to Capital One, 2 out of 3 times I utilized my newly established Capital One Saving Account. However, making the payments from Capital One Savings to Capital One Credit Card, took longer than four or five days. However on XX/XX/2020 an ACH was processed from Capital One to XXXX XXXX in the amount of {$900.00}. The funds were processed and transferred to Capital One before XXXX ( PST ), however when I contacted Capital One to inquiry about thier processing times, it was stated " processing occurs several times a day. '' However, for some reason, the balance was not updated. Today, XX/XX/2020, I noticed my balance {$0.00} and available balance {$99.00}. At the same time, I received a credit alert from XXXX Credit Bureau stating due to high balance, my credit score has decreased. Immediately, I contacted Capital One, and waited 1 hour 36 mins, to voice my concerns, however the Capital One customer service representative would not allow me to voice my concerns. Then, I requested to speak with a manager, XXXX was very patient, however repeated robotic company policies. therefore, I conference in XXXX XXXX, who verified the funds had left the account, then Capital One Supervisor XXXX provided the robotic answer, and would not allow any upper management to contact me. In addition, XXXX stated it will be seven days before the funds are released. Please do not do business with this company, because it is the Epitome of Dishonesty, Rude, Horrendous Customer Service, and Horrible Ethics/Policies.