davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (MS)

In the past, I have had numerous installment loans with Tower Loan, a local finance company. All of the loans have been paid off. However, they are showing a couple of late payments on my credit reports. I am on a fixed income and I always paid them on the first or close to the first of the month, each month. I have spoken to the Manager and he stated that there is nothing that he can do. However, they are always calling my phone, trying to get me to sign for another loan with them. I have all of my receipts, proving that I was not late paying theses installment loans. The two loans that are appearing on my credit reports are : 1. Acct # : XXXX Open : XX/XX/XXXX Amt. : {$1600.00} 2. Acct # : XXXX Open : XX/XX/XXXX Amt. : {$1300.00}
Consumer complaint received 2019-05-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

Nelnet is reporting my credit as Current was 120 days delinquent. I had called Nelnet about my accounts. I was going to school at the time and informed them of that. They said they had never heard of the school. I went to the school and had a deferment paper sent to them. I followed up with Nelnet and they said they couldn't find the school in their system. I had to go back to the school and get another paper from the school to show I was enrolled. Nelnet refused to take it via email or fax. I had to mail it to them. While I was doing all this I was told that my account would not show as delinquent once I established that I was in school at the time. When they got they finally the paper they now show me as current but previously delinquent. I am struggling to get housing because of this late reporting.
Consumer complaint received 2019-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (MD)

In the month XX/XX/2019, I missed a mortgage payment. My monthly mortgage payment is {$1800.00} each month. On XX/XX/2019, I sent {$2000.00} to pay my late XXXX mortgage. On XX/XX/2019 ; Suntrust returned my payment saying they could not apply the {$2000.00} dollars and the new increased mortgage payment was {$4000.00}. 
On XX/XX/XXXX, I paid Suntrust {$2000.00} and XX/XX/XXXX, I paid Suntrust {$2000.00} dollars. 
On XX/XX/XXXX, I received another returned payment from Suntrust Bank of {$2000.00} dollars and Suntrust says they could not accept or could not apply the payment of {$2000.00} dollars I sent them. Suntrust, now says the new increased mortgage payment is {$4100.00}. I am both tired and frustrated about this fraudulent game Suntrust Bank is playing to return my mortgage payments each month. When I send Suntrust my mortgage payment each month, Suntrust returns the payments as if I did not send them any payments at all. Then Suntrust fraudulently applies a late fee each time ; and fraudulently reports that I am not making any payments to my mortgage. This fraudulently reporting is also affecting my credit. Please Stop This is Fraudulently Activity within Suntrust Bank
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX has been reporting an invalid debt in the amount of {$1300.00} on my Equifax Credit Report. This debt has a medical service date of XX/XX/2013. The Statute of Limitations to be sued for Florida is 5 years. This company XXXX XXXX XXXX is illegally reporting a negative item on my credit report. They have no right to collect. I did not agree to do business with them. My Equifax credit score has dropped by XXXX points. XXXX XXXX XXXX has harassed me with multiple phone calls throughout the day. This month I have disputed XXXX XXXX XXXX 's negative item 3 times on Equifax and all three times the negative item was not removed. Equifax has be negligent with its investigation practices.. XXXX XXXX XXXX has violated the FDCPA [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

Equifax has not done a proper investigation and I have been told multiple time by Equifax representative that they are using an automated system and that Equifax relies on the Collection company to verify the debt. Equifax is using the E-Oscar system I believe they are violating the FCRA by not conducting a reasonable dispute. 

XXXX Direct disputes. 

Conduct a reasonable investigation with respect to the disputed information ; Equifax should have this negative item deleted. XXXX XXXX XXXX has not right to try and collect this debt and not right to be reporting any information about me. They a debt scavengers that violating credit laws. Equifax has done nothing to correct this issue. 

I want this negative item deleted immediately.
Consumer complaint received 2019-05-13
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. (MN)

Transunion I Asked your company to conduct an Investigation XXXX  / XXXX XXXX XXXX at the Start of XX/XX/XXXX You claim you did and investigation you claimed you verified and updated the account However this account was Never verified because the Date of update still show XX/XX/2019 How is this possible? Transunion I'm sick of your XXXX  games The FCRA States very clearly That you have to conduct a fair and accurate investigation You guys are so busy trying to make a profit Off of consumer you don't care This disputing takes a lot of XXXX  time writing up and spending money on certified mail making sure your worthless company is getting consumer dispute but yet you are sitting on your XXXX  changing this information at stroke of a XXXX  key XXXX XXXX Take a look at my credit report that was dated XX/XX/19 and take a look at the update date I see XX/XX/2019 How in the XXXX is this Possible major FCRA VIOLATION I Wonder how many other disputed have you did this On and how many other consumers are you doing this Too? Transunion this is Very dirty on your part. But I Will tell you this much you think this is a game? if you DO NOT REMOVE THIS ACCOUNT FROM My credit file it will be some serious issue I promise you also since you are showing who you really are I'm requesting the Following information to see if you are in fact doing your Job. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I WILL NEED ALL THE CREDIT APPLICATIONS FROM EACH TRADELINE FROM YOUR OFFICE SINCE YOU CAN'T CONDUCT A PROPER INVESTIGATION I WILL NEED THIS INFORMATION FROM YOUR AND I WILL BE WAITING IF YOU ARE UNABLE TO SEND THIS INFORMATION PLEASE DELETE AND BEFORE WE GET STARTED I DON'T WANT YOU SAYING YOU DON'T HAVE TO PROVIDE THIS INFORMATION YOU ARE RIGHT IN 1 WAY If I would have disputed with you online then Yes you are right But Guess what I never disputed with you online so you have to Give me the requested information
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Tried to get a free credit report. When asked to verify personal information, none of the options provided matched the actual, correct information. The company could not verify my identity in order to provide the credit report, which leads me to believe there is identity theft.
Consumer complaint received 2017-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I got a new b of a card XX/XX/XXXX.  I have been trying to make a payment that was additional to my automatic payment.  after 3 days on hold and several transfers, I am hold for a supervisor , I think rep  just put the call mute.   Could find the information I provided XX/XX/XXXX  for the addiction payment. 31 minutes on hold.  I can't get this issue resolved.
Consumer complaint received 2019-05-28
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 recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. I was saddened to learn that you somehow verified the disputed item 's, electing to leave them on my report. 


Creditor : XXXX XXXX XXXX In Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (CO)

I switched phone providers earlier this year. I returned the leased phone I had with them. I also paid the final amount of my bill. All done at the XXXX store, or over the phone with a XXXX rep. However, when submitting a mortgage application I was notified that XXXX sent my account to collections. I call XXXX, and I keep getting the same response. Your account is in good standing. Your account has a zero balance. And that my account was not in collection. I try to contact a supervisor on the phone, and that seems to be impossible. I contact the collection agency, and they tell me that the debt is now at a XXXX balance because XXXX notified them of the bill being paid in full. They refuse to delete the item from my credit report now.
Consumer complaint received 2018-12-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

I just got off the Phone with Select Portfolio, they informed me that the Mortgage account has been referred to an Attorney for foreclosure. Select Portfolio refuses to accept my Loan Modification request as a Servicer in the State of Georgia they are obligated to. 

Also, this is a XXXX XXXX and I never agreed to this with XXXX XXXX. I was paying only {$120.00} to my principle of {$990.00} and rest to investors Select Portfolio and XXXX willfully delayed my Loan Modification till XX/XX/2018, knowing XX/XX/2018 will be the expired date to stop Banks or Loan Servicers to be mandated to provide a Loan Modification. 

XXXX has taking advantage of me by committing the same mortgage scam that got them in trouble during the Real Estate crisis
Consumer complaint received 2018-12-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Recovery Solutions (TN)

XXXX XXXX XXXX XXXX continue to call my cell phone while I was at work. I answer the phone and ask for them to not call during my work hours. The agent rudely stated she will call as many times as she likes, I hung up the phone because I was at work and she called back 7 more times repeatly. That was very stressful because I had to turn off my phone so she would stop calling.
Consumer complaint received 2019-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On the Thursday of XX/XX/XXXX, I walked into my local Chase Bank to open a checking account. I was receiving money from my grandfather who was helping me with paying rent. The fastest way to get the money was if opening a bank account at the same bank he uses. I was assisted by a service rep who was very disingenuous about our exchange. I felt as if she didn't truly care about me as a new customer because of me just waking up to get to the bank. I informed them that soon i will be changing my main bank to them and they seemed ecstatic. To open the bank account they required a min deposit of XXXX dollars. I went to the ATM to withdraw the amount incurring a fee to my other account. Everything was fine and everything was set up. When the XXXX dollar amount hit my account a couple hours later, I knew it would be an issue. I didn't have a debit card physically but I knew i could verify my ID if anything came up as suspicious. I was running late so I went to another Chase bank A little further from my house, near my job to withdraw partial of the total amount. XXXX dollars. The teller first told me it would be fine that I would be able to receive my money. Then, he took quite a long time typing at the computer. I informed him that my grandfather was sending money for bills. He said everything was fine but called the bank manager over. The bank manager asked for another ID form so i gave him debit card. Now after another 10 mins and I am actually late for work, he tells me it is denying my withdraw, I didn't understand. The manager then informed me that I would be able to tomorrow around XXXX. I took the answer and went on my business. Later on around XXXX that day I looked into the account to make sure everything was still okay. Online banking said my account has been suspended and to call a number to reinstate it. After calling that number and verifying my ID the associate told me that my account is being looked at for fraud. Something I knew was possible and that I was told would be easily solved. After being cold transferred to the fraud department, re-verifying my ID i was told by someone who could not articulate in English that my account has been closed and began to read me a jargon about what will happen next. It is now the XXXX of XXXX my account is closed, I don't know what happened to my XXXX dollars plus my XXXX dollar deposit and my bills are already 3 days overdue incurring late fees. I feel robbed of my that is rightfully mine and feel as if the bank does not care about my current situation. They cared enough that I opened an account with them but not enough to tell me where my money is and help a new account holder.
Consumer complaint received 2019-05-28
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)

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

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXXXXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In the Eastern District of Pennsylvania FCRA Violations complaint XXXX XXXX XXXX. 
XXXX XXXX XXXX, TransUnion LLC, XXXX XXXX XXXX and TRANSUNION RESPONSE TO THE SAME COMPLAINT SENT TO ALL CRAs. for the past 24 months. I have used this forum to build this case to show the incompleteness and inaccuracy on reporting of all three CRAs which continues to report different information on all the disputed items to include proof of all the changes made to each items everytime each items were disputed by certified mail aswell as to the CFPB. 

Instead of agreeing to deleted and block the inaccurated items, they keep changing information and then claim to verify the inaccurate and incomplete account : They have changed several times : 1. The name of the company 2. The date of last payment 3. The balance on the account 4. Payments made to payments not made 5. Type of account If the items were inaccurate incomplete and false, FCRA laws require a deletion of any such credit items. 
I have saved and documented all credit reports reflecting my complaint and planned to seek damages for these reporting errors to include : compensatoury and punitive damages and attorney fees. See my attachements Do they all conduct the same investigation? 

Company responded Status Company responded on XX/XX/year> Response Type Closed with non-monetary relief Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXXXXXX XXXX  THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Non Reporting Trade : XXXX XXXX XXXXXXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX XXXX FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX With XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. DESCRIPTION OF NON-MONETARY RELIEF XXXX reviewed the complaint, relevant documents, and completed an investigation where applicable. 

Please note I submitted the same certified mail dispute to all CRAs
Consumer complaint received 2019-07-05
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: EQUIFAX, INC. (TX)

Equifax is not doing the best to verify info before report it They still reporting XXXX  XXXX XXXX  account even it is not mine. They claimed that they verified this account with creditor but they did not verify it using my social security number which they fail to make sure they have 100 % an accuracy.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: RateGenius Loan Services Inc (NJ)

In XXXX I was considering refinancing a vehicle I have since paid off. I filled out the XXXX online form to view XXXX 's prospective offers for an auto refinance loan. An individual by the name of XXXX XXXX from a XXXX partner, RateGenius, contacted me on the morning of XX/XX/XXXX over texts. I was not interested to refinance at the time - I was just looking at prospective offers. I opted out explicitly over texts and told him I may refinance in 1.5 months, of which I have proof. Prior to reaching out, on XX/XX/XXXX he sent my application along with my Social Security Number to yet another company ( not a XXXX partner ) called XXXX 's XXXX XXXX XXXX that pulled a hard credit inquiry on my file. I found this out very late on XX/XX/XXXX. I'd like to state this business has qualification requirements to meet to be able to even take a loan from them, found on this site : " XXXX  : XXXX ''. It is correct to assume I have no such qualifications. I have two issues : 1 ) if I do not recognize or know you as a business, do not touch my credit file, and 2 ) XXXX 's false advertising on XXXX XXXX XXXX   ' : " When you find a lender that meets your needs and is able to offer a competitive rate, contact that lender and get the refinancing process started. '' This statement is false because the refinance process was already started prior to the XXXX XXXX reaching out.
Consumer complaint received 2024-08-24
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 sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.