davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

The below attached are screenshots of various credit reports pulled over the past 5 months from Equifax. Since I 'm a paying member to their monthly services, I would routinely pull & monitor certain aspects of my file. In XXXX 2015, I was pleased to see that a bad mortgage debt and other derogatory information had finally " fell off '' my credit file. It has been almost 10 years since my divorce, and almost 8 years since my identity theft had occurred, and I have been dealing with & struggling to gain back control of my credit and have encountered almost daily obstacles to correcting inaccurate information. 
It appears my latest attempts to have you help get my score repaired to its once higher state have met with some success, however, I 'm still dealing with the mortgage information being entered, deleted and re-entered back onto my account. 
Attached with this notification, is a letter from XXXX XXXX stating that they have no records of my account # XXXX and have asked all XXXX credit agencies to remove these items from my report. So far, XXXX have successfully deleted this item, but for some reason, Equifax will delete them, then re-insert them and update the information as if it 's corrected and true. 
I request that all of my mortgage accounts be removed from my credit files, as they are approaching 7 years since last report date, and have been almost 9 years since last activity. In addition, XXXX XXXX XXXX XXXX only has XXXX records with my SSN associated, XXXX being a Credit Card and the other being a Savings Account with a small balance. They have no record of my past mortgages and can not find them in any system. I 've literally spent months speaking with them and have received a fax from them stating they have no information relating to this account that keeps " popping '' back up on my credit file. 
( Attachments ) - Monthly Screenshots of my Credit File " Mortgage '' Summary ( Attachment XXXX ) - XXXX Fax - to delete erroneous accounts
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NY)

I was recently pre-approved for a car loan through one bank. I went to purchase the car on a Sunday and that particular bank was closed. Without my knowledge nor my consent the car dealership reached out to several banks to attempt to secure a car loan. This has since placed my credit status as poor. I would like each bank to be notified that I did not sign or verbally approve of these inquires and I wish for them to be removed from my report immediately. I will be contacting the dealerships main office to file a complaint against this particular dealership.
Consumer complaint received 2016-11-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

This is a complaint against the Bureau of Equifax, specifically the department of fraud and the technical department. For the following reasons, I am victim of identity theft since XX/XX/XXXX, but this year has been the worst year because there has shown up XXXX accounts that do n't belong to me, that have been opened with fraud and without my permission and also inquiries. Last year the problem was solved after many complaints through here, I sent my police report and affidavit, even though, because this department of fraud is the worst of this country, the communication is horrible and inefficient, they do to your credit report as if it was a joke, even though they have the police report, the affidavit, and all the documents and evidence to show the identity theft. In these last three months, i have sent through fax and certified mail, the new updated police report, where it shows all the fraud accounts in my credit report. And also I call almost every single day to this department and all they do is make fun of me and mistreat me and they are as lying that they have n't receive any police reports when I have the confirmation that the fax was received that I have sent. And also the certified mail was received in XX/XX/2016. This department of fraud is so flawed and inefficient that what they do is pass me from person to person like if I was a ball. According to the manager, they told me I was going to receive calls to solve the case and I have received none. And I still call and they keep making fun of me and do n't take notice of my problem with identity theft in XX/XX/XXXX and XX/XX/XXXX. What type of department of fraud is this that does n't work and go against the federal law of Just Credit when they have the support and evidence of a police report, this law states that when a person is victim of identity theft, that the agency of credit should delete all the fraud accounts in the credit report. For this reason Im making this complaint against Equifax because the technical department even me being a premier member I have to do my disputes online, they should copy the good methods of experian and transunion. These XXXX agencies have already solved my case and are serious people who do their job. I do n't understand how the commerce of this country can go through with Equifax when this department does n't even work. I am going attach the updated police report with my identification to show how this agency makes fun of me.
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NM)

I did write to the credit bureaus, but have n't received a reply. I have been paying all my bills on time for years now, and have paid off several credit cards completely, but my credit score is not going up. I was recently denied a credit card from my bank, XXXX even though I was granted a big increase on my local bank 's XXXX credit card, based on my credit. XXXX has been difficult to deal with, even though I have a good payment history and decent income. Am wondering what 's going on. I am a XXXX XXXX veteran and receive a good amount to survive on, and my wife has a good steady income XXXX for eight years. My score ought to be above XXXX by this time. Also, XX/XX/2015, I applied for a loan to purchase an R/V at a Texas R/V sales location, and the salesman sent my application to a dozen banks, without telling me. This hurt my score, as well. Can I do anything about that? My Social Security Number is : ***********. My phone is : XXXX. My scanner is not working, but I can mail verification of my veterans status, discharge paper, and recent letter from an inquiry into my credit scores. XXXX has been unfair in their denying me, while a local bank in my city, has approved a credit card with a high credit limit, based on my credit history.
Consumer complaint received 2015-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We got a loan modification from XXXX XXXX in XXXX in which they made a bank error and did not credit us with a returned check which we made good and they capitalized our loan {$12000.00} in excess. When XXXX took over the loan, they did not give us credit for XXXX payments we made in XXXX totalling {$6200.00} From XXXX, XXXX to XXXX, XXXX, when we received a modification from XXXX, XXXX payments were not credited to our account totalling {$18000.00}. From XXXX, XXXX to XXXX, XXXX we have found that {$33000.00} was capitalized into our mortgage account for escrow charges for taxes and insurance. We paid the home owner 's policy from XXXX to XXXX, XXXX when XXXX put the insurance and taxes into an impound account. However during the time we were paying the home owner 's policy, XXXX charged our escrow account {$7400.00} for home owner 's insurance which we ourselves paid. We have a letter from the insurance company substantiating our claim. 
According to our records, {$9800.00} was capitalized to my mortgage account for taxes and insurance which represents an excessive charge to my mortgage account. Also according to our records, {$23000.00} was charged to my mortgage account for accrued interest and late charges from XXXX, XXXX to XXXX, XXXX. This represents an excessive charge to my mortgage account. We have submitted documents to XXXX and now SPS Loan Servicing who is the present loan servicer on the account verfiying all payments we have made on the account from XXXX to XXXX, thus confirming our claim that many bank errors were made on our account and that XXXX owes us approximately {$100000.00} on our account plus applicable interest from XXXX when XXXX bought the loan servicing rights on the loan to the time when XXXX gave us a loan modification in XXXX, XXXX.
Consumer complaint received 2017-04-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (OH)

Received three calls from XXXX at United Collection Bureau Incorporated stating that this was a call from a debt collector. She said to call XXXX. I finally returned the call. She asked for my middle initial and my address. Then she said I was not the correct person. I am concerned that this was a phishing scheme to get my personal information. I have no idea if this was a legitimate debt collection call. The strange thing is that XXXX answered the return call. I would assume that a large debt collection agency would have several people manning the phones. The chances of me getting her should have been low.
Consumer complaint received 2015-06-18
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Citi Management Group, LLC (TX)

when this person contacted me at work XXXX times in a row, also going through the receptionist in our office. When I finally had a chance to answer them I ask that he not call me at work and to mail me any correspondence. He did n't even Identify that he was calling for me and told me that he was going to contact my human resources so that I would get fired.
Consumer complaint received 2016-05-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (TX)

During the week of XXXX XXXX I contacted BMW Financial Services to process a payment for XXXX. I was out of the XXXX and unable to connect to the internet to process it online. I requested that the representative ( I believe his name was XXXX but can not recall ) activate XXXX since I am currently traveling out of the XXXX for work. He explained that I could do it online but I specified that I did not have access to the web. He confirmed my bank account was on file with BMWFS and that he could take care of it. Today I received a call from BMWFS stating that they have yet to receive a payment for XXXX and that my credit had been affected. I told them to draft it immediately. I stated that I had previously spoken with someone about this and they directed me to their credit dispute department because they could find no records or notes that anyone every spoke to me. After holding for about 30 minutes the call then disconnected without being able to speak to anyone. I 've yet to be able to get in touch with anyone to even speak to them about a dispute. I believe I was provided incorrect information regarding XXXX, as the second agent told me it can only be initiated only by my self as the account holder ( which is not what the first agent told me, UDAAP concerns here ). I have never had a late payment with BMWFS and am extremely irate that their mistake will put a blemish on my credit report. I request that they remove this immediately. I do not believe their credit dispute process is handled with the customers best interest. I will be visiting my nearest XXXX, writing to the OCC, and the FTC about this as matter as well. Not to mention that when I purchased the vehicle I was told that I could only buy XXXX insurance at the time of purchase ( when I knew that was incorrect ) and the APR was not stated to me until I asked for it all while I was being asked to sign documentation with out first seeing the rate first. Though this was a few years ago, I know this was also not a best lending practice. 

XXXX XXXX Account address : XXXX XXXX XXXX, XXXX, TX XXXX Phone number : XXXX
Consumer complaint received 2016-01-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CO)

I bought a vehicle long time ago in XX/XX/XXXX I was almost payed off in XX/XX/XXXX until it was illegally towed away by a tow truck company, and my car was not repoed by current car company. The car was resold, and any debt incurred should be billed to towing company who stole the vehicle from me years ago. This was a loss to me, and my insurance company could not help me. Police was involved, and as the XXXX vet they just allowed it, and I had to get a lift from the cops just to get home way across town, and it was barely 30 days after I graduated from college where I was still on food stamps. This was a damage as well as a loss I am not responsible for.
Consumer complaint received 2015-07-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am writing to dispute the accounts referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX XXXX myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests for them to Validate my debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given any evidence of my obligation to pay this debt to these collection company 's listed above in this letter. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.
Consumer complaint received 2015-11-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The company will be called XXXX XXXX in the morning. Report to XXXX XXXX XXXX 2015, for an account opened by the store that was not supposed to have been created. Have been on the phones with XXXX for three months about this account. Have received final response that account will not be closed. Account was opened for a second extended warranty on a dryer. The dryer was functional and needed no repair at the time of service for washer unit. Employees dropped dryer. This is in XXXX records. Store required a new warranty to be purchased. Two months later, an agent from XXXX advised I should not have been made to pay an additional warranty ( original was approximately {$400.00}, unit on sale at time of exchange reduced second account to approximately {$250.00} ) and created a service ticket. XXXX records show collection efforts were to halt until a decision was made. XXXX was advised in the event they can prove the contract I signed requires I be held liable for the employee negligence, I would simply close out warranty account ; this way no money is to be collected and there would be no debt. Issue not resolved as of XXXX XXXX, 2015. XXXX reported delinquent account despite open ticket on XXXX XXXX.
Consumer complaint received 2016-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (LA)

I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$240.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Experian Credit Report as OPEN, UNPAID and " Seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department '' ( please see attached Credit Report excerpt ).
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

In XXXX 2013 I became aware that some bank accounts had been opened under my name, and were on my credit report as a result of identity theft. I also noticed an address and phone number that are not associated with any place I have ever lived or had as a contact number. I contacted my local police department and filed an identity theft report, and gave the detective the address and phone number associated with the fraudulent accounts. I gave this information to Experian and began the process to resolve the issue. XXXX accounts with XXXX XXXX were opened under my name, and after the dispute XXXX was removed, but not the other. Recently, I noticed it was still under my name and since I am currently in need of a new car, I knew I needed to take care of it to get the best finance options. After filing another dispute, providing them with the police report and email correspondences between the detective and myself, I received notification of my dispute results. The account still remains on my credit report, and I do not know any other way I can prove that this was not me who opened the account. The bank in which the account is opened under is not in my area, and I had never heard of it before this identity theft issue. This is a clear violation, and I believe Experian has not done their jobs in representing one of their members and ensuring my identity protection. I will be fighting this until it comes off my credit report, no matter how long this takes. This is wrong, and Experian should do more to help those who have been a victim of identity theft.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I have notified Experian many times that there are incorrect addresses on file that do not belong to me : XXXX XXXX XXXX XXXX, XXXX, GA and XXXX XXXX XXXX XXXX, XXXX, GA. I need your help in getting these incorrect addresses remove from my credit.
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A satellite company has been harassing us for XXXX years accusing us of not returning their equipment. We did return the equipment and we were in contact with them as we did so. They sent us the boxes and forms to use to return said equipment. Emails were sent to us saying the equipment was received and they are dated! On our last phone conversation we told them to please remove the " negative '' item from our credit report. We even sent them the emails indicating receipt of the equipment. They have asked for and we did send copies of our correspondence. We got no reply and then after a XXXX of months, another debt collector begins calling and harassing us for payment. I do n't know how many times we have to do this, but this negative continues to show on our credit report. In the meantime, I have purchased a home, a new truck and a motorcycle and have had to present proof and documentation to the lenders in each instance. We have asked them again to remove this negative in the last month but have received no word from them. They demand proof and when we supply it, they ignore us. I want this blight removed and I have gotten no satisfaction from this company.
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On several occasions I have send a request for Credit Report along with a copy of new address, Gov, I.D . Copy of Bill, Copy of letter with address from the V.A. They keep sending me the same letter as if they had not received it all. I send the last copy regristered and i recieved the same old froam back. It 's been years going through this. But they keep giving out low score 's which I have not used credit in years.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted TransUnion after receiving documentation from XXXX that they have removed their listing from my credit file after their investigation. XXXX is the owner of the XXXX/XXXX Account. I contacted Transunion and advised them of this and provided documentation and requested that the XXXX/XXXX account be removed from my credit file. When XXXX/XXXX sold the account, they sold their rights to the account. Previously, they updated the date reported on the account after a previous dispute. I then spoke with the Special Handling department and spoke to supervisors who requested me to fax in the documentation and that they would remove the account upon receipt. They did remove XXXX but they are refusing to remove XXXX/XXXX. I was advised that I needed to get a letter from XXXX advising that they sold the account to XXXX and they sent me one via fax. I have also sent the affidavit that XXXX used to remove their listing as I was told by XXXX a special handling supervisor on a recorded line that that was sufficient and he could get it taken care of in a day and then later did not remove it. This account is too old to be going through all this confusion.
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (KY)

Hello- We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB ( yey! ) brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX XXXX XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX XXXX. From there everything went downhill fast. We were told we had two miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account should be deleted from my Experian credit report.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

The XXXX credit bureaus ( XXXX, XXXX, and experian ) are improperly reporting my home line of credit under derogatory items. XXXX XXXX XXXX put it down as " collateral depreciation '' and the credit bureaus now put it under derogatory items and it lowers my fico score so I ca n't refinance my other properties. Hence, discriminating against the millions of consumers who had their home values drop, negatively affecting their overall ability to borrower at the best rates.