davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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. (GA)

Pursuant to a previous dispute that my Student Loans are being reported twice. XXXX states that they purchased my student loans yet if XXXX purchased my student loans in XXXX why are my Student Loans showing listed via all 3 credit reports by the XXXX and show my student loans as active and pass due from XXXX. If my student loans were purchased by XXXX my student loans should not be listed by the XXXX making it look as if I owe twice more than what I should, such that XXXX should remove all occurences of past loans from my credit report.
Consumer complaint received 2023-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

This is our final attempt and notice demanding refund/credits, and mortgage payment to be returned to {$1100.00} as per the loan closing contract signed in XXXX. 

Since XXXX of XXXX we have attempted to resolve this out of court, with no results on your part. This is a follow up of a previous complaint, that surprisingly enough as of today XX/XX/XXXX United wholesale mortgage do not want to finally resolve this issue created only by this company, violating the selling contract and ignoring the law and rights we have. 
Since XX/XX/XXXX United Wholesale Mortgage has unlawfully charged our loan account with unlawful charges and has unlawfully created escrows account when not need it. Despite many occasions that we have proved that we pay our own taxes and insurances, without ANY gap in coverage. 
We have been compliant with all the requirements regarding insurance and taxes and XXXX months now have passed with no final resolution/clarification in the mentioned matter. 
This situation with UWM has cost us additional damage, mental anguish, trauma and stress that just last week took me to the XXXX room. 

Please refer to the attached letter from XXXX XXXX dated XX/XX/XXXX : XXXX your loan closed with no escrow account requirement and you are responsible for the payment of hazard insurance premiums XXXX This letter also mentions an for escrow shortage in the amount of {$79.00}, on XX/XX/XXXX a payment of {$94.00} was made which was directed to be pay towards the mentioned escrow shortage above. 
On XX/XX/XXXX I immediately called to the XXXX resolution team at the XXXX XXXX XXXX to clarify that this payment was to be directed to the escrow shortage of {$79.00}, despite several phone calls, and us be very proactive to clarify all of the mentioned above, NONE OF THIS HAS BEEN RESOLVED. ***please find the attached call log.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (MI)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the Right to privacy 15 USC 1681, Section 6O4A. section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 u.s.c. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. section 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-23
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 u.s.c. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. section 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-17
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. (IL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-27
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-10-25
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (CT)

XXXX XXXX XXXX Americna express account unopened XXXX XXXX XXXX XXXX XXXX  inquiry XXXX XXXX XXXXXXXX XXXX XXXX inquiry 

I contacted and froze all credit Burroughs and started disputes 
Contacted all creditors and reported fraud 
I also got XXXX XXXX
Consumer complaint received 2023-04-25
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. (MD)

This complaint is my follow-up to my previous complaint about the fraudulent accounts in my file that needs to be deleted. 

I want the following accounts to be deleted ASAP : XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (OH)

there was an illegal reinsert of an account that was taken off my credit report that does not belong to me. The FCRA states that your information may not be reinserted onto your credit file by the credit reporting agency unless the information is indeed mines and the consumer reporting agency is required to send the consumer/myself a written notification within 5 business days that the account is being reinserted and I never received the notice at all. Here is the account : XXXX  XXXX # XXXX
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (PA)

XX/XX/2022 my XXXX XXXXXXXX XXXX credit card was charged off. In XXXX I was sent a text message about my account stating that if I made a {$65.00} dollar payment it would keep the account from being charged off. I made that payment XX/XX/2022 and the card was charged off the next month { XXXX } after saying when I made the payment the account would not be charged off. My account should have never been charged off as an account has to go 180 days with no payment before charge off and that was not the case. This is a violation of my FCRA rights and this account needs deleted from my credit file immediately.
Consumer complaint received 2020-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NC)

Discover failed to properly post my payment on XX/XX/2020 per the Terms provided with the payment process. Attached are screencopies of the pending payment schedule and payment Terms as provided on the online payment screen where the payment was processed. 

It is clear from the terms that any payment will be posted the same day so long as it was not within 3 days of a previous payment and not on the due date. A final screencopy is included to show our previous payment was well over 3 days before and from the very same bank as we have for decades used. I spoke with both an agent and then a supervisor named XXXX XXXX ( sp? ) in the XXXX office who all refused to properly post the payment instead claiming that the Terms are something other than as clearly and plainly posted online and screencopied here. They claimed there were terms for weekend days after XXXX ( one of the people ) or after XXXX ( the other one ), clearly not even providing a consistent statement of what they thought the Terms were, and obviously not at all consistent with the agreed terms for online payments. I challenged them amply and asked to file a formal complaint, but they would ONLY make a note in my account record. 

I am truly disgusted with this customer service and the fact that a seemingly responsible banking firm would ever operate under such slackness.
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (TN)

ON XX/XX/, Sent a letter to XXXX, XXXX, Experian, And XXXX informing them the information they are report to my consumer report is inaccurate.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX I got a hard inquiry alert on my Transunion credit monitoring page. It was for a loan or credit application through XXXX XXXX. I called both Transunion and XXXX and no one was able to help me with who the merchant was nor take out the hard inquiry. XXXX requested for the Merchant name which Transunion said that they do not have. Transunion requested for a hand written dispute with a notification from XXXX stating it was a fraudulent inquiry. XXXX said they are unable to provide this notification without knowing the merchant involved, the XXXX rep also said she was unable to search using my social security number or any other identifying information from me. We are currently at cross roads on getting the hard inquiry lifted and putting a stop to the fraudulent request
Consumer complaint received 2023-01-25
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. (AL)

I been having problems with this company for a 2 years now. I disputed and gave them chances to actually solve the issue. They do not investigate any thing and everything comes back verified with no reasonable explanation. They have numerous times to fix the issue and just won't budge
Consumer complaint received 2022-10-25
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. (PA)

XX/XX/2022 mXXXX XXXX XXXX XXXX  credit card was charged off. In XXXX I was sent a text message about my account stating that if I made a {$65.00} dollar payment it would keep the account from being charged off. I made that payment XX/XX/2022 and the card was charged off the next month { XXXX } after saying when I made the payment the account would not be charged off. My account should have never been charged off as an account has to go 180 days with no payment before charge off and that was not the case. This is a violation of my FCRA rights and this account needs deleted from my credit file immediately.
Consumer complaint received 2023-11-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC (FL)

I had XXXX loss of income and increased housing expenses over the last year and a half. I fell behind on my second mortgage or HELOC with sls. When I initially talk to them, they sent me a assistance package application, which I probably filled out there. It was a period of approximately two months for an answer. I then appealed and there was another month delay before I received a notice of default and foreclosure, and no answer yet on the appeal when I call, I am told different things each time and I can rarely get hold of XXXX who was my assigned agent to assist me with my matters. I think of the 15 to 20 times that I called. I may have spoken to her once I requested that Id be allowed to pay the amount that I fell behind over that over period of time or to add it to the end of the mortgage, and they denied and said they could not provide me any assistance whatsoever, I find it to be unfair and deceptive for them to string me along and then provide no assistance
Consumer complaint received 2023-07-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

DEFAMATION OF CHARACTER Numerous documents were sent into Experian for dispute. I received a letter from Experian stating that I did not send the letters on my own, but indeed I did. Here are my letters again. I have tried numerous times to fix these issues according to the FCRA act and have been unsuccessful due to numerous complaints being ignored. Instead of scanning with your eOscar system, due your due diligence and actually investigate the claims. 

I am doing my process and then I will be filing for arbitration and/or a federal law suit according to the terms and conditions in the agreement. 

I have documented numerous attempts of me trying to fix these issues and the illegal tactics that Experian has used, and all requests for investigations have been ignored. I am sending these letters again for proof of service and to make sure that you have received them. You are also being put on NOTICE through this medium for legal situations that may arise.
Consumer complaint received 2023-11-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (IL)

I called and asked them to let my account go into overdraft for the time being because payday for me was soon. Then they let my account go into a delinquent status. I never told them to allow charges to be made this way. As in let it get to a delinquent status, they shouldve just declined my card instead of having me think I got paid and had enough money in my card. When I called to ask they just told me it would all be sent to debt collections. They closed my bank account and now I can no longer open a new one because of this unfair situation.
Consumer complaint received 2023-07-25
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. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-10-16
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: CMRE Financial Services, Inc. (TX)

On Friday XX/XX/XXXX I contacted the XXXX XXXX XXXX XXXX office in XXXX XXXX, TX at XXXX. I spoke with a representative in reference to a medical bill for son thats reporting on my credit report in the amount of {$770.00} from a hospital visit on XX/XX/XXXX. I asked the rep if she could provide me with the information of the insurance they billed for payment so I can try to understand why this account is now in collection. She told me she was busy and had to look for that information. I called back again at XXXX and she told me again that she was busy and would call me once she found the information. I called XXXX XXXX XXXX and XXXX for an Explanation of Benefits for dates of service XX/XX/XXXX and only XXXX had one. XXXX denied the claim due to other health insurance which is correct because XXXX XXXX XXXX is my sons primary insurance and XXXX is secondary. I stopped by in person the XXXX Hospital and got a detailed hospital visit from that date of service as well as spoke to billing about the hospital bill and physicians bill. The billing rep told me the hospital billed for their portion but was not able to let me know about the physicians because they only handle the hospital portion. He was able however to tell me who to contact about the physicians bill. One I called the office that handled the physician bill they explained to me they did not have a bill for the dates of service in question. I the contacted CMRE which is the credit collections agency and told them that the company they are collecting for did not bill my insurance correctly and I legally can not be held responsible for that. I sent the Explanation of benefits to them and they are now investigating it. Ive tries several times to disputed this account with XXXX  but they keep stating the account is good. Im curious to know how they closed a disputed so quicky when they are required to reach out to the agency to prove validity of the account. I know for a fact they didnt do that because the XXXX XXXX no longer exists because it has been bought out by a new company. Im providing the hospital bill that was paid and on the same date of service of the physicians bill. Please help me get this removed from my credit report
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XX/XX/2017 I requested my billing address be updated. The agent assured me it was updated. However, I received a notification that I was 30 days late in paying the minimum amount due, {$31.00}.