davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (VA)

I purchased a vehicle that was totaled in an accident. The original lien holder was paid by XXXX and Gap insurance. This left a balance of roughly 2000. I received a letter from Jefferson capital a debt collection agency advising they own the debt and offered a settlement on the account. I received a call from Jefferson capital today and was advised the balance is now over 4k and they offered a settlement of XXXX. They are using deceptive practices in an attempt to collect on the deficiency balance which is not legal
Consumer complaint received 2020-08-25
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. (FL)

Equifax should not be reporting me as an authorized user on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Under the Fair Credit Reporting Act, I request that you investigate and remove the disputed items from my credit report. You are required to verify these items with the creditor who reported them. Any information that can not be verified by the creditor should be removed. According to 15 U.S.C. 1681i ( a ), this reinvestigation must be completed within thirty ( 30 ) days of receiving this letter.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am a victim of human trafficking and would like all items selected to be deleted and or blocked from my credit report within 4 days under law FCRA 605 ( b ) ( 15 U.S.C 1681c-2 ).
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (VA)

I have a mortgage that is serviced by Guaranteed Rate through XXXX On XX/XX/2020, I signed up for automatic payments amounting to {$3000.00}. I repeatedly checked the account between XX/XX/XXXX and XX/XX/2020 to ensure that the payment was posted. No notification was made that payment had been or would be posted. The mortgage servicers home page only said that the automatic payment would be made " XX/XX/2020. '' By the end of the business day XX/XX/2020 no payment had been posted and no notification of payment was given. An email was sent to customer service and no reply was or has been received. A manual payment of {$3000.00} was made and automatic payments were canceled. Notification emails were immediately received indicating that automatic payments were canceled and that a one-time draft was active. On XX/XX/XXXX, an email was received indicating that a payment of {$6000.00} was received, though only one payment of {$3000.00} was posted to my bank account. I called customer service on XX/XX/2020 and was told that the payment second would not be canceled, and I would have to wait to refund the payment, which would require waiting 10 days then emailing documentation of the withdrawal to customer service. Details on the type of documentation to be sent in were not given, and I was told that it would take a minimum of 48 hours before the email would be even be opened by a customer service representative, that no notification of the email being received would be given, and that I would have to wait for a written letter if there was an issue with the information I sent. No timeline for how long this would all take was given. On XX/XX/2020, the payment was posted to my bank account and an email was sent to customer service, for which no reply was received, and another call was made to customer service. Customer service again indicated I had no choice but to wait to apply for a refund, no exception could be made for any issues, and that any communication would be sent to me via posted mail. 

It is unacceptable that Guaranteed Rate be so shady in their payment posting, refund and cancellation practices.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit. ) The date of last activity was in XX/XX/2014. This account is well over ( 6 ) years old and should not be reporting. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff that is over ( 6 ) years old is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Consumer complaint received 2020-08-25
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. (TX)

Equifax and XXXX should not be reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-08-15
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. (CA)

have told this company repeatedly that there have been fraud on my accounts and that they are not mine and I ask them to verify information showing my signature and they have yet to do that.I have told them about police report and trade fraud report as well, I would like these deleted off my profile with any other negative remarks, have also received information from company 's such as XXXX and XXXX about data breaches 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

We have paid, on-time and by means of EFT, to our mortgage company PHH for the last 5 years. Previously I had requested statements and to no avail was never given one. Just recently, while going through a refinance with another lender, I had gone online to see my statement and send to the new lender. It was not there. I called PHH on XX/XX/20 to voice my concern, again, regarding the lack of statement on my account. I am supposed to receive statements by mail and have never received them. PHH then told me that a statement has never generated on my account so they had to escalate to an Escalations Manager. His employee ID is XXXX. We spoke and he assured me a call back in 24 hours. That did not happen. I just returned his call today, XXXX after missing him. I dialed his stated extension of XXXX and it said that the extension was not known. I waited for a customer service representative. At which time the gentlemen was very rude, asking why I would want 5 years of statements. I ended the call. At the end of all of this, their resolve was to send me this past months statement. I find this severely unsettling that in FIVE years they can not generate or procure something TANGIBLE for my records. The CSR kept saying " your payment history is online ''. This is a direct violation of XXXX Periodic statements for residential mortgage loans. Section C explains : " ... The servicer must make the disclosures required by this section clearly and conspicuously in writing, or electronically if the consumer agrees, and in a form that the consumer may keep. '' This has never happened - not once in 5 years. The lack of customer care and the complete disregard for federal law was truly angering. I hope that my payments have been properly allocated in this time. I am not even able to see my account number! If it weren't for my home insurance, I would have never known what our loan number was. I can't wait to refinance and never work with them again. Please look into the matter and ensure that other consumers are not going through the same headache.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2020-08-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2020 I signed documents for an auto loan approved by Capital One Auto Finance via XXXX XXXX XXXX ( dealership ) in XXXX NJ. 

Capital One Auto Finance currently has documents of forged signatures from a different dealership, XXXX XXXX XXXXXXXX XXXX XXXX in XXXX XX/XX/2020 that I did not sign. This is fraud.I can provide proof of being at work on this date. I work for XXXX XXXX XXXX XXXX XXXX 

I have received several correspondence via mail indicating my credit was assessed without my knowledge or approval and was requested by XXXX XXXX XXXX, XXXX XXXX of XXXX. 

Multiple hard inquiries have hit my credit report during the months of XXXX and XXXX. This is also fraud as I did not request this and it has occurred months after I was approved for a car. These inquiries were fraud requests and will now remain on my credit for 2 years causing negative impacts on my credit that I am working so hard to improve. 

I contacted Capital One Auto Finance on Wednesday XX/XX/2020 to notify them of the fraud documentation. I stressed the importance of addressing the fraudulent signatures. I also notified Capital one that the current vehicle on my loan ( XXXX XXXX ) does not match the vehicle that I have in my possession ( XXXX XXXX ). 

I was told I would be contacted within three business days when speaking with a representative from Capital One Auto Finance on XX/XX/2020. When I did not get a follow up call, I reached out Capital One Auto Finance ( Monday XX/XX/2020 ), however I was told it would take another two business days for a response and am currently waiting. 

My car remains unregistered. It is now more than three months from when I was approved for the car I have not received any license plates and the Dealership has chosen to keep the second key to the car. 

I am filing this complaint in hopes of getting assistance in resolving all existing issues. Please help me.
Consumer complaint received 2020-08-25
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: Experian Information Solutions Inc. (GA)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all XXXX bureaus continue to report these items furthering the damage already done to my financial future. All proper documentation was submitted on XX/XX/2020.
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

Capitol One lowered my credit limit from XXXX + to XXXX. Our account is in good standing, with no missed payments. We were notified after they had lowered our limit that it was because we don't keep a high balance on our cards.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Not sure of the date, but several months ago, I tried to correct the balance shown on credit report for my mortgage. The explanation given made some sense and I let it go. Since then I explored an option to get a refi, however, now am selling. In the process I was told by Mortgage Broker that the balance I would need to pay would be the balance on my statement of {$290000.00} plus my missed payments from forbearance. Currently that brings it up to {$300000.00}, higher than the initial loan! By the time I close, there will be 3 more missed payments, adding approx {$4400.00}. Note : My initial mortgage was {$290000.00} on XX/XX/2019. This is contrary to the explanation given to me previously by XXXX. In essence, that since all those months of payments were taken out of the 30 year mortgage pay off, they would need to be made up for, which could potentially be handled by extending the mortgage the length of the forbearance. When you do the math, it is an extension of time, not of the actual balance. That said, it appears that XXXX has set itself up to get an extra $ XXXX from me when all is said and done, under the guise of a forbearance that was promised to be " no penalty ''. If not addressed, XXXX  ( and potentially other Mortgage Lenders following the same pattern ) will be bilking thousands of dollars, unsuspectedly from borrowers. Bottom line, my balance on my statement is my balance-period and when I close on the sale of my home there is no way they should have the authority to collect an additional $ XXXX. Further, my credit report should reflect my actual balance of {$290000.00}.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I have sent letters to Experian and XXXX about the inaccurate information on my accounts. These are disregarding consumer complaints. I have sent numerous letters and have still gotten no response. This has been a very stressful process for me and i just want the issue to be resolved.
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (NV)

I have applied for a home loan to purchase a new home. The lender pulled my credit and it showed I had a late payment XX/XX/XXXX for a previous mortgage. I paid off my home loan in XX/XX/XXXX. I do not owe this company any money. I called them and they said it would  take 10 days just to look at the file. I am very upset with their process. I would like help to get this erroneous error off my credit report. The error is showing dated XX/XX/XXXX. 

I spoke with the company XX/XX/XXXX and they said they did not report this and it would take 10 days to have their team look into it. I will be losing the house that I have put a down payment on and I will lose my down if this does not get resolved in a timely manner. 

I have filed a complaint with this company previously and you helped with a positive outcome but again they are messing with my credit.
Consumer complaint received 2023-09-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (TN)

Dear Credit Bureau : According to the provisions of the Fair Credit Reporting Act ' 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of iters prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

This account must be deleted its been past 30 days and Experian has not follow the Fair Credit Reporting Act ' 611 ( a ) [ 15 USC 1681i ( a ) and must delete this account National credit systems which I already provided proof of clam is identified as identity theft this account is inaccurate In should not be deleted immediately. EXPERIAN HAS BEEN CONSTANTLY REPORTING INAPPROPRIATE AND INACCURATE INFORMATION ON MY CONSUMER REPORT I HAVE ALREADY GAVE THEM ALOTS OF PROOF OF CLAM. ITS BEEN PAST 30 days in this account is not valid it should be deleted according to Fair Credit Reporting Act ' 611 ( a ) [ 15 USC 1681i ( a )