davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

My Chapter XXXX Bankruptcy was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with all three Credit Reporting Agencies and I am not disputing. It will be 10 year showing on my credit report in XX/XX/XXXX. I am currently in process of trying to refinance my house. I am just humbly request that this information be considered for early exclusion.
Consumer complaint received 2018-07-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (PA)

We fell behind on our mortgage back in XX/XX/XXXX. To save our home we filed for bankruptcy. During the bankruptcy the trustee sent payments in however the bank posted them as principal payments instead of monthly payments causing us to go from 3 months behind to 10 months behind. I attempted to dismiss the bankruptcy back in XX/XX/XXXX but did not qualify. I then decided to apply for loss mitigation assistance from our lender so we could exit the bankruptcy and be on track with our payments. I have since applied once a month for the last 6 months. Each time we were either not told what was needed to complete our application or were told additional info was needed but was not provided enough time to submit prior to reaching our application closing date. We are now facing foreclosure proceedings to start XX/XX/XXXX. I have made every attempt and provided every piece of documentation needed by our lender and they still closed all 5 of our applications as incomplete. I could never get a straight answer and or could never reach out point of contact to discuss the issues.
Consumer complaint received 2018-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NY)

I came into an agreement with chase bank for a card i defaulted on making payments, I settled the account for less and in return they was going to delete my account of the credit bureau and put as settled. but they havent done so and i tried disputing it but they wont remove it .. I have a letter they sent me saying that they will honor the agreement
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Both TransUnion AND XXXX but even more so TransUnion since they are assessing me a fraudulent insufficient rating in my opinion have kept a 20+ year old student loan that was intiated when I was about " XXXX years old '' at a XXXX XXXX school for which I was NEVER given loan information, counseling nor ever had it properly explained to me. I was NEVER even told the amount being borrowed in my name NOR given any documentation at the time. The loan was taken out by " then owner '' of XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, N.J. I " believe '' by the former owner XXXX XXXX or XXXX or one of  his appointments handlers at the school at that time ( circa XX/XX/1999 ). 

Both TransUnion AND XXXX have had this single loan listed NOT ONCE but " 3 '' times on my credit report! This should be illegal!!! I only ever had the 1 as mentioned " fraudulently obtained '' loan 20 years ago ; which furthermore it was a XXXX school & I was unable to finish & only attended a few months " part time '' no less & as a result returned all of the equipment & books & materials given to me when I first enrolled. A clerk at the school assured me that ANY loans taken by the school in my name would be canceled out! CLEARLY ... I discovered to my HORROR that this was a LIE! Not only was it never canceled out ; it was reported as delinquent some years later for which I " hand wrote '' letters of dispute to the Big 3 Credits Bureaus at the time. Not only has the loan not been removed from my credit history it is, as mentioned reported on my XXXX XXXX account as " 3 closed & unpaid student accounts ''! This is a fraudulent account & I have been victimized by this single situation almost 20 years now! I've been denied jobs, apartments, credit cards, personal loans ALL because of this singular false accounting which is listed as 3 by both TransUbion & XXXX! This is a long time abuse upon me as a citizen in this country, especially since, I have NEVER had a single credit card, personal loan or mortgage yet to this day at almost age XXXX & being refused things like shelter and employment based on a fault credit history is an absolute disgrace & needs to be addressed immediately! PLEASE MAKE THEM FIX THIS!!!
Consumer complaint received 2021-10-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OK)

Hi there again! on XXXX I requested 2 things from Experian because i really don't believe the information to be accurate. I sent a simple dispute letter requesting verification for this Realty account and for some late payments. It has been more than 30 days and i haven't received any information about the investigation. These things just popped up on my report, no warning what so ever i really am being ignored here. I need them to remove it because it is not accurate and it took more than 30 days and it is still on my credit report.
Consumer complaint received 2018-06-30
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: EQUIFAX, INC. (MS)

In XX/XX/2018, I disputed XXXX XXXX XXXX  inaccurate credit reporting of 8 missed payments. Equifax notified ne that a dispute I sent by mail was suspicious. I was informed that my dispute was not going to be processed because that that reason unlezs I submitted XXXX forms, ID, paystubs etc. I submitted my full social security number, address, birthday, companiy information etc. This is unfair and I am only exercising my right to dispute by mail. This is why I can not get any results to the fraudulent inaccurate reporting of debt on my personal credit report.
Consumer complaint received 2018-06-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc. (ID)

XXXX XXXX XXXX are relentless, they call my phone up to 12 times a day, and they have NEVER left a voicemail, so I dont know why they keep calling me. The only reason I even know its them is because I have to Google what number is calling me 10-12 times every single day. And then they call me today and threaten me with a fraud and a lawsuit that I literally have no idea what they're talking about. They are harassing me, and that's against the law.
Consumer complaint received 2018-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX, XXXX, XXXX Inquiry that I didn't authorize. The company said they didn't run my credit and I got alerts from XXXX Transunion and XXXX. They are in denial and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize. The company said they didn't run my credit and I got alerts from XXXX   Transunion and XXXX. They are in denial and I want this fraudulent inquiry removed. 

XXXXXXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 


I have a fraud alert on my account that states do not run credit or extend credit without contacting me personally, so I don't understand how these companies got away with doing this without my consent. I'm requesting removal of these fraudulent inquires and an updated credit report from all three Bureaus. Thank you
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

My husband add me like an authorized user without my permission to his XXXX bank credit card. When I realized it, I called and bank delete me like and authorized user BUT still report to all credit agencies like I am still on his account and it hurts my credit score enormously! As my husband has missed payments, etc. But I have nothing with his financial problem as I just recently moved to the USA and do not want to suffer from this false information! I called 2 times to XXXX bank and they confirmed that do not see me more as an user but they do not know that to do to eliminate all false info from credit agencies! Please help me to solve this issue
Consumer complaint received 2018-06-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (WV)

I sent letters via certified mail to all three credit bureaus requesting validation for a XXXX XXXX/XXXX account. Per the certified mail receipts these letters were received by the bureaus on XX/XX/18 and XX/XX/18. No proof of validation was ever sent to me however all three bureaus updated my credit reports stating that the debt was valid. According to the FCRA they should have sent proof that the debt was valid within 30 days of the receipt of my request for validation in order to report the debt as valid.
Consumer complaint received 2018-06-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MD)

On XX/XX/XXXX I applied for a loan thru big pictures loan on XX/XX/XXXX they deposited XXXX dollars I was mislead I had know idea that the interest would be what it is they have me paying XXXX for 13 payments which means I pay back over 2 grand I had know idea they dont tell you this I have made 3 payments and haven't touched the principal I'm willing to pay what I borrowed but I can't pay all that interest so I sent the company a stop and cease order on taking money out and I did a stop payment i cant any continue to pay overdraft fees because of them taking these payments out twice a month I believe they prey on people that are in jam and need a little cash and they trap you into paying these big fees I want to settle with the company
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX I tried to apply for a credit card I was told equifax showed no info one me. Loged into credit monitoring XXXX XXXX   and other shows they have not updated my credit after XX/XX/18 I have called them many times and sent the social card and I'd as asked .... they keep telling me they can't not find my information ... .. Today is XX/XX/18 still being told the same thing
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK (KS)

I don't know when this credit card was opened and I've been living at XXXX XXXX XXXX, XXXX Ks. So get your facts right. My number is XXXX. I've had my identity stolen twice. Do I need to send you my papers from the federal government website?
Consumer complaint received 2018-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant Mercantile Agency (CA)

There is a charge for {$68.00} from XXXX XXXX XXXX on my credit report and the collection agency is Grant Mercantile Age for XX/XX/2013. 
I was not at that medical group in XX/XX/XXXX or XX/XX/XXXX and was out of town on business. 
This is erroneous billing and needs to be removed from my Credit Report ASAP.
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I called American Express to add an authorized user. The agent offered a zero interest for 15 months with a transfer of my current to a different type of American Express credit now being offered. The interest rate once the promotion expired was about what I was paying, so I accepted the offer. The agent state she added the authorized user. 

I received a credit card, but no credit card for authorized user. I called because the terms did not read what I was told. They said there was a mistake by the agent. 

A case has been opened XXXX, and they have offered reward points, but not what was originally offered. I have requested my notes and a review of my call, but have not received anything. They say they have called back, but they aren't leaving messages or notes of substance. 

The language is cumbersome on these credit cards, but read, read, read before you proceed. I'm using this card or agreeing to the written docs, until they keep their word.
Consumer complaint received 2018-06-29
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: Experian Information Solutions Inc. (AL)

I am unable to receive my credit report online as described on their web page. I have tried several times over the last year and it will not allow it. I think the process to get a copy mailed is too complicated and they are doing this on purpose. There is no logical reason I shouldnt be able to get it online. I am asking your department to find out why they cant and do they do this to everyone. 
This company is XXXX. I believe this is unethical, if not illegal.
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2018, I submitted a complaint to Transunion via the CFPB Complaint Portal stating that I sent one letter to the credit bureau on 3 separate occasions on XXXX, XX/XX/2018 and XX/XX/2018. Each time, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for collection accounts listed below that are reporting on my credit report. The credit bureau each time has failed to provide such proof. The complaint number on CFPB is XXXX. 

Transunion responded on XX/XX/2018 stating We do not provide dispute verification responses received from creditors. This response is not only unsatisfactory, it is non compliant and as a credit bureau, Transunion is not following the law. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), as a credit agency, Transunion is 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 ) that Transunion has on file of the accounts listed below. Under the FCRA, unverified accounts must be removed and if Transunion is unable to provide me a copy of verifiable proof, Transunion must remove the accounts listed below. Again, if Transunion can not provide Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts you have on file listed below, I demand these accounts be removed immediately. 

This complaint is my earnest attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. 

To provide absolute clarity and to leave no further excuses or error for Transunion, I am specifically disputing the items below that include the account names and numbers : 1. XXXX XXXX   - # XXXX 2. PORTFOLIO RECOVERY # XXXX 3. XXXX XXXX   - # XXXX Additionally, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thank you.
Consumer complaint received 2018-06-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (TX)

XX/XX/2018 XXXX XXXX XXXX brought account from XXXX XXXX XXXX. 
XX/XX/2018 I have contact XXXX XXXX XXXX to request documentation as of XX/XX/2018 I have not received documentation. I have received XXXX dispute result indicating information has certified to XXXX the information is accurate and remains. XX/XX/2018 I contact XXXX XXXX XXXX spoken with XXXX @ XXXX, XXXX XXXX and XXXX XXXX XXXX Each representative have informed me XXXX XXXX XXXX do not have documents on file to verify the account. Please assist with getting account removed from credit report.
Consumer complaint received 2018-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Assured Financial Partners (IL)

I was contacted by a company called XXXX XXXX. They called me using a blocked number and told me they were XXXX XXXX XXXX asking for a relative of mine. I told them they had the wrong number and they proceeded to tell me it was in regards to an arson incident and had me write down case number, phone number and company name to give. That it was so urgent and involved legal documents needing to be sent. Out of curiosity I called the number to see if it was legit and this is how I found out who the blocked number the woman called from belonged to. A representative for XXXX   XXXX XXXX answered, gave a name and I told them I obviously am not who they are looking for. They asked for the " case number '' to see what was going on. I asked how they got my name and number when I know this relative does not have it. He claimed he got it from my relative 30 days prior. That it was the main contact info given. I told him that is impossible and he cut me off claiming it's the info given as contact and until they reach my relative there is nothing they can do. I asked what this is even in regards to and that the woman from the other company they work with said it was something about arson. He claimed he could not give me any further information and that they were a civil mediation company. So in response I asked if it was for a debt and he replied no. It was to talk to the relative and be the middle man in a situation and if the papers he needs to get aren't given then there will be legal consequence and he could be picked up. I told him I don't know where they are and this is not their number so if they will not stop calling I would pursue other legal means to stop it. He again said they can't take my number out and just to relay the information to the relative and that was it. The relative they are looking for is not involved with any mediation lawyers. Not to mention, I have never heard of any arson cases involving this type of lawyer. We live in IL these lawyers are not based in our state either.
Consumer complaint received 2022-01-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (VA)

This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to MRS BPO, L.L.C. and XXXX XXXX XXXX XXXX for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & send requested information. They are now 30+ Days late. They have repeatedly harassed me with communication in the past without proper validation and is knowingly reporting misleading false information on my credit report. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments
Consumer complaint received 2018-09-13
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. (MA)

XXXX {$25.00} balance In all the years I've been a customer and never had a late payment, i had a {$25.00} balance that slipped my mind. I wasnt notified with a statement balance that I normally always got in the mail. Instead they reported me to the credit bureau and refused to remove it.