davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I filed a dispute with equifax about 1 30 day late payment on my XXXX  XXXX account in the month of XXXX of XXXX  however when the dispute comes back they change the payment from 30 days late to 60. This has to be completely unlawful how do we allow them to get away with this.
Consumer complaint received 2021-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I dont underdtand what has happened or is going on today I tried to login and it wouldnt let me and I called and they said they closed my account this is not fair for no reason Ive always been a good customer and never gave a reason for them to do this to me when I was told this I was surprised and asked why this was done and when they didnt even tell me horrible experience how this bank treats its customers and then does this to me I cant believe this its not nice this shouldnt be acceptable I didnt do anything wrong please help me
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY (FL)

Every day, for months, Monday through Friday, they call me twice at my place of employment. They call my extension and they call the XXXX XXXX XXXX XXXX XXXX. Every time I pick up and say hello they hang up. I have said, over and over again, to stop calling my work, and yet, every week, every day, twice a day they continue to do so. I have had XXXX XXXX, XXXX and my supervisor speak with them and they continue to harass me. This is my last step before taking legal action.
Consumer complaint received 2021-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My issues are with Trans Union. I incorporate by reference the attached report in support herein : Key factors that adversely affected your Trans Union credit score. According to Trans Union : 039 Serious delinquency. Note : According to Trans Union reporting, " You have a stellar payment history. 100 % on-time payment history. '' 018 Number of accounts with delinquency. Note : According to Trans Union reporting, " All good here! XXXX derogatory marks. '' 008 Too many inquiries last 12 months. Note : According to Trans Union reporting, " 1 recent mortgage hard inquiry with a total of 6 inquiries. '' Each of the non-mortgage inquiries were not to be reflected on the credit report according to the creditor, with a direct assurance from each that, " this is not a hard inquiry and will not impact your credit. '' 014 Length of time accounts has been established. Note : According to Trans Union, the oldest account is 4 years and 7 months. Note : According to Trans Union, " You have a solid number of accounts on your report. '' Note : According to Trans Union, I have 15 accounts on my credit report. 10 active accounts that have NEVER been late. 5 closed accounts reflect a car loan that was paid because XXXX XXXX  misreported a payment as late in 2018, which I disputed ; and 4 educational accounts that have never been late. This is not a matter of bad reporting. My credit score should be in the high 700 's -low 800 's.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Equifax.com has repeatedly violated my rights by reporting inquiries and closed accounts that show negative on my report. I have sent them a letter and a identity theft report that I filed before these accounts showed on my credit report that I was a victim of Identity theft and fraud. They refuse to remove these fraudulant claims from my report. it has been more then 30days and they are avoiding my request by sending stall letters saying i have the wrong company to dispute. I have clearly sent it to their dispute department otherwise they would not have sent a letter stating it was the wrong department. They have avoided my identity theft report that i have filed. I am very upset and hope that you can help me resolve this matter with them.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

Early in XXXX, I requested a copy of my credit report from Experian and discovered one of my son 's accounts appeared on the report. I called Experian to have that account removed. Unbeknownst to me, Experian also removed my principal credit card in error from my credit report. I have been trying to get Experian to reinsert it since then. Numerous phone calls to Experian have yielded no result. I was told by Experian that, since the creditor was XXXX XXXX, I would have to contact XXXX XXXX  to have that account reinserted to get the account back to Experian. I contacted XXXX and was told that they could not do that ; that the account was deleted due to a dispute by the consumer. This is not true. This is Experian 's error. 
The credit card account that they deleted is my principal credit card ; the only one I use. It is the backbone of my credit score, which is suffering right now due to its absence from my report. I have had this account since XXXX, and I pay this account on time and in full every month. My record is spotless. 
I have contacted Experian numerous times ( they have records ). Today alone ( XX/XX/XXXX ) I spoke with no fewer than 7 people there, to no avail. I need this issue resolved.
Consumer complaint received 2021-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (TX)

I was just released from the XXXX XXXX XXXX XXXX and they are claiming that I incurred a debt during my time in XXXX, There are three separate entries by this creditor on my report that I am filing this complaint on as they are listing the same account number. I have asked for documents to prove to them that I never authorized these charges
Consumer complaint received 2021-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

In 2013 I applied for a HAMP modification for my home. My principle balance at that time was {$780000.00}. I was told that I would not qualify for a HAMP modification because my mortgage was over the HAMP limit. The mortgage company told me I am over the celling and will not qualify me for government loan. I had a XXXX at that time and did not know I was being lied to. 

I have now found out that was not true! The HAMP for a two unit home is {$930000.00}. They said I would only qualify for in-house modification. I was ill, under stress of losing my home and not understanding the entire process so I agreed to the in-house modification. 

I have been requesting an answer since to correct the issue and no response. I could have had the government loan and not lose my house. They have accumulated so much debt that my house is worth about {$750.00} and my debt is about {$1.00} on the first and over $ XXXX on the second. 

Even though my monthly payment changed from the agreed amount, I struggled and made the payments all the way through XX/XX/2013. 

I owe so much now due to their error and want it to be fixed.
Consumer complaint received 2021-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX  XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.
Consumer complaint received 2022-11-18
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. (IA)

XXXX reflects a score of XXXX. XXXX and trans union have not updated their information. There shouldnt be any debt collection accounts on my reports because the debts were a result of my employment with XXXX  XXXX XXXX, their XXXX XXXX  affiliated employees, and the trafficking that I suffered as a result. XXXX screamed at me saying that my credit was about to take a dive, while I was employed there. Theyre responsible for the Genocide charges that I added and theyre responsible for sanctions against the United States Government XXXX Im the reason why they passed the Debt Bondage Repair Act in the first place. Theyre not permitted to violate 42 USC 3631. Theyre also not permitted to violate 18 USC 246. Theyre are multiple acts of Congress and theyre using portions of my case with respect to my privacy in the Supreme Court Case United States Vs. Ciminelli. That includes the XXXX XXXX XXXX XXXX. They should have immediately wiped it instead of letting it continue.
Consumer complaint received 2021-01-08
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

Carrington Mortgage Services , LLC ( credtor 's fed id # XXXX ) XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX, CA XXXX XXXX Creditor cancelled debt in XXXX. Issued a XXXX to debtor, notified Mass Dept of Revenue and IRS. Agencies issued an assessment for taxes due. 
Debitor paid both agencies ( {$15000.00} +/- ). Creditor failed to issue Loan cancellation documentation to debtor. 

Now debtor attempts to refinance loan in XXXX. Carrington denies owning any paperwork stating loan is closed. My attorney for refinancing my home loan has been ignored by CMS.
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (MI)

I received a US Bank ReliaCard from the Ohio Unemployment Insurance Program. I'm not an Ohio resident, have never worked in Ohio, nor have I applied for unemployment in the state of Ohio. Despite numerous calls to their fraud department, I have been unable to reach anyone or get a response. I want to make sure this account is identified as fraud and not associated with me or my information.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (AL)

On XX/XX/21 I sold a ring for {$1000.00}. Having used Venmo to send small amounts of money to friends, I thought this would be the easiest and safest way to make the transaction. After the purchase was made, Venmo emailed me to tell me that I had to transfer {$400.00} to the purchaser through XXXX and send them a screenshot of the transaction. I asked, instead, for the purchaser to be refunded so we could us a different payment option. Because this request was refused, I made the transfer of {$400.00}. Since then, I have transferred a total of {$1900.00} so {$2900.00} is sitting in a Venmo account and not being refunded to me. I wouldn't normally make these transfers, but kept being told this was standard procedure and nothing to worry about since the transfer would allow my money to be returned to me. Yesterday, at XXXX CST, I was emailed that my money would be refunded " within the next 1-2 hours ''. 26 hours have passed and I haven't received a refund and Venmo is no longer responding to my emails.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

I have never once given you guys a permissible purpose to furnish this bankruptcy account on my credit report whatsoever. You can not produce any contract with my signature giving neither you nor the bankruptcy court permissible purpose to furnish this bankruptcy on my credit report. Therefore XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be removed from my credit report entirely!!
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

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. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I disputed inaccurate accounts listed below to have to removed immediately Experian would not allow me to dispute which is unlawful and against my rights as a consumer and would not provide me names of each individual or business to whom they verified the debt with. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

The following information was NOT AUTHORIZED to be reporting to my consumer report! The following consumer reporting agency has fraudulently and inaccurately. posted multiple negative items on my credit report without my given consent. This is directly impairing the efficiency of the banking system and is forbidding my of my GOD given rights These are the following accounts that need to be removed IMMEDIATELY! 


XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have disputed hard inquiries with XXXX, Equifax, and XXXX. They have yet to remove these fraudulent hard inquires. I have already supplied my FTC report twice. This is why I am escalating this matter to you.
Consumer complaint received 2017-03-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX, on behalf of Capital One, will not submit the verification information requested to validate that this is a debt owned by me. They did send me copies of bills with no charges and only balances being mailed to an address that I have never resided at, but no application for me to verify signature or other signature information. I have requested this information twice to no avail from both XXXX and CapOne.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

REMOVE THIS ACCOUNT!
Consumer complaint received 2021-01-08
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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Because of the Pandemic during the months of XXXX and XX/XX/2020 the car payments were late. I called the Lender and explained that Millions of people were waiting for their unemployment payments due to not working because of pandemic. Lender agreed that I would not be penalized for late payments. All of a sudden I notice my credit score drops 30 points because the lender reported me late. I was able to make my XX/XX/2020 Payment because I received the {$1200.00} stimulus check but I was still waiting on my unemployment. I Filed for that unemployment in XXXX and did not receive my first check until XX/XX/2020 and you will see that on my credit report I made a payment of XXXX and XXXX at one time. The lender did this on purpose they know late payment will drop your score and if they keep your score low they stay in business. Something needs to be done about this type of fraud. I have no problem allowing my cell phone records to be pulled to show proof there were calls to the lender during that time. What other reason would I be calling the lender? I have never called them since getting the loan and since the last call to dispute. Infact I can show my bank statements where I was not charged late fees for that month so then why was I reported late to credit bureau.
Consumer complaint received 2021-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

Dovenmuehle Mortgage became my loan servicer in 2020 following a refinance. The company has been collecting escrow payments for my property taxes. The company sent me emails stating that my property taxes had been paid to the county and local school district. 

Neither taxing authority has received payment despite the fact that Dovenmuehle says it has been sent weeks ago. 

Dovenmuehle has been non-responsive to a XXXX complaint and has failed to provide adequate information to allow me to confirm payments with the taxing authorities.
Consumer complaint received 2017-03-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Texas Guaranteed (NM)

While I was paying on a credit recovery plan on my Texas Guaranteed loans through XXXX I was under the impression that once I finish that plan that I was going to continue making payments to XXXX to finish paying off my loans. However once I finished with the plan they transferred it back to TG without my knowledge. I had to actually call TG to find out what had happened to my loans with them. Had I been informed that would have happened in the first place then I would n't have had issues paying TG right away. This switch also happened right when we moved from one state to another so it took some time to get it straightened out.
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (IL)

I had opened this account with XXXX when I was XXXX and they gave me a XXXX party credit card with XXXX bank. XXXX then sold their company to XXXX and people got locked in into whatever this credit company is. I called almost everytime they charged me interest and charges and I had ALWAYS set up my auto pay. They kept failing and failing and I would accumulate late fees and charged.