davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (OK)

I have received official superior court document that a case was closed and balance cleared that is being reported to my experian and XXXX credit report I have submitted this document to Experian and XXXX numerous of times I even had the XXXX XXXX XXXX XXXX speak to the credit companies telling them that the case is closed and should not be reported on his credit report but EXPERIAN AND XXXX keeps reporting the information as ACCURATE when it is not because the case is closed and refuses to remove it from my credit after I have provided substantial amount of evidence that it should not be on my credit reports and it has dropped my credit to atleast XXXX points and is causing financial harm to me an my family
Consumer complaint received 2022-02-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (KS)

Last XX/XX/XXXX I attempted to Deposit a {$1000.00} to my checking account at my local bank here in XXXX Kansas, XXXX. I was shocked to be told that they account has been closed. 

Also at the same bank, the XXXX, and XXXX XXXX XXXX XXXX reported to me that my XXXX Refund of {$2800.00} was sent to this bank. 

I contacted WELLS FARGO customer service via telephone and was told the same thing. So my feelings is the Bank, WELLSFARGO closed my account due to the numerous complaints about overcharging me for INSUFFICIENT FUNDS FOR MONTHS. 

I need to see my bank account transactions, a reason why my account was closed, and why the XXXX companies above keep telling me their traceing efforts of my {$2800.00} ( XXXX REFUND TAX RETURN ) keeps telling me it was sent to my checking account. 
Its been 12 months and no answer!
Consumer complaint received 2022-02-25
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. (CA)

1.In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX , has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

2. In accordance with the Fair Credit Reporting Act XXXX  Account name, XXXX XXXX XXXX Inquired on XX/XX/2020 Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, CAXXXX  ( has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

In XXXX, I was saddled with debt that included unsecured credit card debt, auto loans, open revolving accounts. 

From XX/XX/XXXX until now, I have faithfully retired all of the credit card debt except one, paid off an automobile, paid down the second car to {$2000.00}, and continued to pay EVERY debt on time-EVERY debt paid on time. 

However, instead of a steady improving credit score, my credit scores constantly go up and down even when there is zero change in debt load and all payments required are paid on time. 

From the credit reporting agencies, I receive daily requests advising me to apply for unsecured credit cards as a way to improve my credit scores-the polar opposite of what I want to do-acquire more debt. 

This is really a consumer nightmare : to work feverishly to improve credit scores only to receive up and down scores that are inexplicable. 

With a credit reporting system that hustles for credit card companies and does not reward debt reduction and on time payments-repeatedly, a consumer does not stand a chance. I am trying to qualify for a mortgage and for some reason unknown to me, my credit scores are not improving. Why? 

Please investigate and note my payment history since XXXX until now and tell me why my credit scores do not reflect my on-time payments and debt reduction.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I had to dispute a delinquent account on my credit report with transunion in  XXXX   of 2016.  I got that charge taken off but somehow they managed to  XXXX   XXXX  my social security number in the process. I called and spoke t o 4 D ifferent people, none of which could speak good English, you could barely understand them, and they would not fix the social security number ( which they messed up from the original, which was correct ) unless I faxed them my social security card. I did not trust it, and they would n't give me any other options, they were just rude when I said that I did n't feel comfortable. Since then I have new accounts open, I have no access to my credit report,  the one time I was able to see it, nothing had changed on it since 2016 when the charge from the hospital was taken  off, and it should have definitely went up since then. I am unable to get any loans, at least through my bank because my social security number does not match up with what transunion is reporting, my background check for jobs takes longer and I have even been told that they were n't able to find me under my real social security number. I have tried multiple times to get this fixed, but I 'm at a loss for what to do. I am not sending my social security card to some third party call center that is n't even in this country, it does n't seem secure. This was their mistake because my social was reporting right until they took the charge off my credit report and messed up the last numbers in my ssn.   If we could get this fixed that would be wonderful, and less   XXXX   on me.
Consumer complaint received 2022-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

In correspondence dated  XXXX   XXXX ,    2017 I ma iled this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Consumer complaint received 2017-05-23
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. (CA)

I am growing so frustrated with  XXXX  's not correcting wrong information under my credit card account on all of my credit reports. I used to have an account with  XXXX  and the number was #  XXXX . The account is missing many many months of information but in  XXXX  of    2013 it  is displaying a 30 day late and this is not correct and it is terribly damaging to my financial life. I have never been late with  XXXX   XXXX , and when I had problems processing a payment it was due to the associates errors and lack of communication from  XXXX  's with me. I have always made my payments on time and I already disputed this information nicely and asked that they fix the 30 day late displayed and I was told by a manager that that would be done but it had not in a long time so i filed a complaint on this database. This is actually my second complaint and I was so appalled to see that they had " verified '' the information and put false notes on my credit report claiming that their information was FCRA verified.   THIS IS NOT TRUE! How can they say something is FCRA accurate when they have not provided me with any proof or documentation as to how this late occured, especially after I brought it to their attention that the way and the timeframe as to how the associate handled my payment was confusing. This company is lying to people and refusing to follow the law and they simply do n't want to be wrong, that is how it seems to me.
Consumer complaint received 2017-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company (AL)

I paid this debt before I got it properly verified. After I paid the debt, I wanted to make sure none of my rights were being violated. I am concerned that m y HIPAA rights  have been violated. The original creditor of this debt is  XXXX   XXXX . I a sked for verification for this debt ALONG with my consent to release this debt. Frost Arnett sent me a complete itemized statement with my cpt codes concerning some very private tests that I '' ve had. This is a very d elicate situation for me and I do not want my files sent to anyone and any company without my permission. Although they sent the statement, they failed to send me any documents that allowed them to have possession of my personal belongings. Thinking that maybe this was a mistake on their end, I sent a letter on  XX/XX/2017    for the verification AND proof of consent of the release of my documents and I have a receipt that shows they received it o n the 3rd. This time I heard nothing back from the company.
Consumer complaint received 2017-06-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

In  XXXX  of  XXXX , I applied for  IBR. I w as approved for $   XXXX   monthly installments. I was told my past payment history would be ma rked PTD  and the " late payments '' would be removed. They were not.  <P/> In  XXXX  of  XXXX  renewed this option. They denied the application and i called  XXXX   XXXX  and  XXXX   XXXX  of  XXXX  to try to fix this. They forced me to claim 2 months of forbearance for their clerical error.  <P/> On  XX/XX/XXXX  I was suppose to begin making payments of {$35.00}, when I called that same day was forced to take another month of forbearance due to continued errors on their part. Was informed payments would start  XX/XX/XXXX  On  XX/XX/XXXX  I called again for info, according to them my payments were {$94.00} and they lost the signature page. Was then placed on a 60 day administrative hold to reapply  Reapplied for IBR   XX/XX/XXXX  Received bill  XX/XX/XXXX  saying i owe  XXXX  a month received another statement  XX/XX/XXXX saying I owed  XXXX  a month Called  XX/XX/XXXX  and explained all confusion and they rushed the  XX/XX/XXXX  application after trying to force me to again to take forbearance.  <P/> Reapplied f or IBR   XX/XX/XXXX  received notice that the application wasnt approved after they again lost documentation i sent in ( signature page and  XXXX  ). Called and attempted to resolve XX/XX/XXXX  with no resolution.  <P/> They tried to move my monthly payment up from  XX/XX/XXXX  to  XX/XX/XXXX . Called to see if they had finally fixed this  XX/XX/XXXX , and they finally had it all fixed correctly.  <P/> I have document to prove this, just can not attach them from my phone. I am willing to be contacted.
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

This complaint involves a Banana Republic card with Synchrony Bank or  GE Capital. I m ade timely payments online and paid off the remaining balance. However, beginning on  XXXX     2015, I ha ve allegedly missed payments until today. Like other customers, I made my payments online. I have never received any paper bills, electronic statements, or email confirmation of my payments. I have also never received any communications alleging that I have an outstanding balance or that my account is past due. I have had other Banana Republic and Gap cards in the past and successfully paid them off.
Consumer complaint received 2017-05-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (IL)

I discovered XXXX checks from my ESCROW OVERAGE account that I had n't cashed. I have gone to all steps & measures to get these reissued. See 9 pages of documentation. I was never notified the checks were not cashed, nor were the funds turned into the State of IL. XXXX XXXX XXXX XXXX XXXX XXXX were bought by Citibank. I was finally able to track down the mortgage & they found the info & instructed me to send the info so they can reissue the checks. Since then, I have received nothing but a run around of excuses of why they can not reissue the checks. They keep instructing me to contact XXXX XXXX XXXX or XXXX XXXX back which are now dba as Citibank & Citimortgage. I keep telling them you are them, then they tell me either the checks part did n't get transferred to them or I signed off the mortgage & there is nothing they can do. # 1 The checks are from ESCROW OVERAGE. # 2 The  monies were an asset that got transferred somewhere. Generally in a sale all assets & liabilities get bought. # 3 If they have all my other info on my loan & a # was assigned to it & the 1st 2 people I talked to walked me through it & told me what to do, why ca n't I get these reissued as they said would happen. I have contacted my bank ( & gone through all old records with them ) &  government agencies & they all tell me since it is ESCROW OVERAGE money they should be reissued. I am at a standstill with Citibank/Citimortage/Citi group.
Consumer complaint received 2017-05-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of Ame rica Home Loans have co nsistently violated the Consent Judgment Order/Supplemental Order (  XXXX  '' filed in the FT C v. Countrywide Home Loans and BAC af ter reprimand from the FTC. I was a recipient that received restitution from CWHL resulting from their abusive practices. Bank of America and  XXXX , successors to  Countrywide, a re continuing their abusive, deceptive, and, mispresentation practices. I have filed more than  XXXX  complaints that spans a period of 3.5 years against Bank of America and  XXXX  journalizing these abuses over the years. I am hopeful this complaint will be forwarded to the FTC for further investigation.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am growing so frustrated with  XXXX  's not correcting wrong information under my credit card account on all of my credit reports. I used to have an account with  XXXX  and the number was #  XXXX . The account is missing many many months of information but in  XXXX  of    2013 it is d isplaying a 30 day late and this is not correct and it is terribly damaging to my financial life. I have never been late with  XXXX   XXXX , and when I had problems processing a payment it was due to the associates errors and lack of communication from  XXXX  's with me. I have always made my payments on time and I already disputed this information nicely and asked that they fix the 30 day late displayed and I was told by a manager that that would be done but it had not in a long time so i filed a complaint on this database. This is actually my second complaint and I was so appalled to see that they had " verified '' the information and put false notes on my credit report claiming that their information was FCRA verified.   THIS IS NOT TRUE! How can they say something is FCRA accurate when they have not provided me with any proof or documentation as to how this late occured, especially after I brought it to their attention that the way and the timeframe as to how the associate handled my payment was confusing. This company is lying to people and refusing to follow the law and they simply do n't want to be wrong, that is how it seems to me.
Consumer complaint received 2017-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Credit Management, Inc (LA)

XXXX   XXXX  ,2017- $   XXXX  - Ca ll  XXXX   XXXX  and ask them to remove this off my credit report because was my Ex-wife Account. she fill Bankruptcy.  XXXX   XXXX  call my Ex-wife  (   XXXX   XXXX   ) a nd said because you fill Bankruptcy we will put this account on your Ex-husband credit report.
Consumer complaint received 2017-05-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

On  XXXX   XXXX   2017 I c all ed PennyMac an d was given an amount of all monies that were in arrears {$7000.00}. This was paid by check on  XXXX   XXXX   2017. The y did not cash check f or 2 we eks. This month I get a bill saying I have {$130.00} in late fees added to ballance. If account was at  XXXX , with no payments due, then how do I owe 'late fees '.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please be advised this is my final request to remove a tax lien on my credit report. I have sent this request and proof numerous times in vain and I intend to pursue litigation if not removed from my credit report as soon as possible. Please see attached proof that it has been cancelled and paid and therefore should be deleted immediately from my credit report because it is affecting me greatly.
Consumer complaint received 2017-05-23
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: Shellpoint Partners, LLC (GA)

I am writing to dispute the following information in my file. I recently received a copy of my credit report s (   XXXX ,  XXXX , and  XXXX   ).  The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B . Insurance C. Employment D. Court Order Please  remove these inquiries from my credit reports immediately.
Consumer complaint received 2017-05-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

On  XXXX   XXXX ,  2017  I contacted the company Carrington Mortgage Services to request a payoff notice and also verify we could sell the property. I was informed that I would receive the information via email shortly and that the actual legitimate information woukd come in the mail. The one that came in the mail would be the one used for the title company and otherwise. When I received that paperwork in the mail on the   XX/XX/XXXX   I then passed it on to my realtor and title company so they would know the payoff. I was also told that information was valid for 30 days after I received it in the mail, which would mean it was valid until  XXXX   XXXX ,  2017.  A few days before closing I called to make sure that the information I had was valid and that all the numbers still matched. They refused to speak with me or my wife. Stated that we had the information and that we were n't to bother them again. So the title company did up the interest amount a smidge just to be on the safe side. We sent the payoff amount on  XXXX   XXXX ,  2017 to  the company. When we did n't receive any returns, email, or phone calls we assumed we were done and it was over. We were wrong. Monday the  XXXX ,  2017  they returned the payoff stating that we owed  XXXX  more than what we sent. I spent 3 days trying to speak with the company and they refused to speak to us. Finally, I was able to speak with someone, the woman I spoke to said she would send a new payoff notice and it woukd state we were  XXXX  short. I never received it. So I called back. They informed me that if I continued to contact them they would have me arrested for harrassment, just for calling to find out about our payoff on our mortgage. I received the new payoff yesterday,  XXXX   XXXX ,  2017 , and they have changed the payoff to state that we owed almos t 1800  dollars. I called the company again. They have informed me that they will not speak with me or my wife. They will not tell me what the changes were for and why the added price. They have stated that they wo n't and do n't have to give me any information. My wife is the owner of the house per a probated will and we have shown them these papers proving it at least 4 times. My realtor has proof of it. They still wo n't speak to my wife at all. They have continued to force us to own this house for almost a month now. They wo n't let us pay them because supposedly we are n't paying the right amount, however we have asked for the right amount repeatedly. Please help us. They are continuing to extort more money from us. Everytime it is more but with no explanation.