davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
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)

I previously had an auto loan with XXXX XXXX which began XXXX XXXX. This auto loan was paid off in XXXX of 2021. 
Also, in XXXX I requested on a recorded call for XXXX to have all late payment ( s ) removed from my credit report, XXXX agreed on this phone call that these changes will be made. XXXX made updates but failed to remove ALL late payments from my credit report as agreed. 
I called XXXX twice a week from XXXX to XX/XX/2021 checking the status of the removal of these late payments each time they confirmed our agreement and told me it was still in process. 
As of XX/XX/2021, XXXX have yet to remove ALL late payments from my credit report as agreed. I am simply requesting XXXX to please remove these late payments as soon as possible.
Consumer complaint received 2021-09-28
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. (IL)

i believe im not being credited and that my girlfriend is being credited instead, somehow me and my girlfriends social security number is mixed up, i recently financed a car at XXXX XXXX in XXXX il on XXXX XXXXafter six months i realize i wasn t being credited for the loan on the car in which i was making payments too, i furthur realize my girlfriend was being credited instead of me somehow the car lot mixed up our social security numbers and that is why im not being credited
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PLANET HOME LENDING, LLC (CA)

m y complaints against planet home lending. I was in forbearance in XXXX since then i have paid my mortgage for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX in full each months its due 8 months planet home lending is showing all 8 months late because I did not pay on the 1st day of every month I have paid all 8 months I am trying to get refinanced. can you help me clear my credit reports all 3 XXXX XXXX XXXX.
Consumer complaint received 2021-09-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (TX)

TRANSWORLD    SYSTEMS INC.COLLECTION AGENCY { TSI } XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX XXXX .... sent a letter to me stating that XXXX has asked TSI to collect, from me, {$71.00} and to submit payment to : XXXX XXXX : ACCOUNTING { PHARMACY } XXXX XXXX XXXX XXXX FL XXXX This IS A SCAM because I have a credit on my account at XXXX.
Consumer complaint received 2021-09-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (NC)

I received a letter approximately XX/XX/XXXX stating that my escrow account was short, when I looked at the balances I noticed my escrow account had paid someone elses property taxes along with my own. When I called and verified that they paid the wrong taxes they assured me it would be handled within 30 days, when I called back on XX/XX/XXXX they said things look good and call back on the 24th to make sure everything was handled. When I called back nothing had been completed and my escrow account was still negative approximately {$2000.00}. So now I am stuck with a {$400.00} a month payment higher than I should have due to their error my normal payment is {$580.00} and my new payment due to their error is {$1000.00} and there seems to be no fix in sight. I have to wait for them to get a refund from the local tax Authority before they can fix my account, I dont feel as I should over this debt being it was their mistake. Why do I have to wait for them to get a refund before fixing my escrow balance making the mistake my liability
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

i sold my car to XXXX on XX/XX/2021 & someone ran my credit for a vehicle in which i had no interest in buying, the very next day w/o my consent ... and shortly there after i had a brief interest in purchasing an ( electric vehicle ) i.e. ( XXXX ) and my credit report was ran on numerous occasions by ( vroom ) w/o my consent over and over on every occasion that i had called in to inquire about a vehicle including not being told that i was approved for a loan with lower down payment, only to have my credit ran again for a higher down payment. while speaking to a representative and giving him my social security number to retrieve my account information he deliberately ran my XXXX XXXX to two minutes prior to closing and was adamant that he did not run my credit and disconnected the call shortly after that, i had received an alert during the conversation that my report was ran by this company and i have screen shots from my device to show the time of the call and the alert to be in synch. 

ditto for ( XXXX ) changing the down payment amount after continueously emailing me with dates to pickup a particular vehicle ( XXXX XXXX electric vehicle ) ... all three ( 3 ) of the companies listed continued to engage in illegal and fraudulent practices that have damaged my credit rating with over thirty inquiries within a two to three week span. 

this is unprecedented.
Consumer complaint received 2023-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion & XXXX, is in violation of code ( 15 USC 1681B Permissible Purpose ) I did not authorize these inquiries below, nor did I give my written consent for these inquiries to be on my credit report I demand that these fraudulent inquiries be removed immediately! Also, I demand that TransUnion & XXXX, provides my written signature stating that I authorized these transactions. If not, I demand them to be removed. 

XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX  ( Bank ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX
Consumer complaint received 2021-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (WI)

A few months back I sent out a debt validation letter and this collection was removed from my report and now it is back it keeps getting removed and added back with different debt collectors. This is not my debt and I ask that it be removed and not put back on my credit report.
Consumer complaint received 2021-09-28
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: OneMain Finance Corporation (WI)

I found several unfamiliar credit inquiries on my credit reports, I have already contacted the company via phone & letter ( mail ) & no response. I have notified the credit bureaus as well. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ONEMAIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-28
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: EQUIFAX, INC. (CA)

Equifax has hard inquiries on my consumer credit file in violation of the law. I filed a complaint with the CFPB and Equifax did not address my complaint at all. Their response was vague and did not provide their next steps.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this compliant on the following dates XX/XX/XXXX and XX/XX/XXXX. I'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.
Consumer complaint received 2019-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (OR)

I want XXXX account and collection removed from my credit reports. Ordered products from XXXX all the way back in XX/XX/XXXX, never received my order as it was sent to an incorrect address I no longer lived at in a different state. I dont know how they got that address as that's not what I put. When I saw it was being shipped to incorrect address I contacted right away to inform to change address as it hadnt actually shipped yet. They refused to change to correct address. After they shipped, I contacted fedex and they said the shipper could change the address with them for delivery. They would not. Was delivered to my old address in different state. I even contacted apt office at that address and they said my package was delivered there but they gave it back to fedex to return to sender since I didn't live there anymore. XXXX should have received package back but still kept my bill for order as is. They would not reship to me. Obviously I was not going to keep paying for an order and goods I never received. No one would help me with this and ended up getting bill sent to collections with collection account and closed/charged off XXXX account show on my credit report which is not fair again for goods I never even got. Collection company would not remove when I disputed. I have screenshots from XX/XX/XXXX of all the emails I sent to fingerhut informing about the address and trying to get them to do something.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My Bank of America check and saving account was closed in XX/XX/XXXX because others tried to steal my account. After that, I defended my rights for 4 months and provided my bank account as required by Bank of America. handwriting signature comparison information, until I received a call from Bank of America on XX/XX/XXXX. They considered my request again and assisted me online to reset the user information over the phone. I am very happy to be able to use BOA again, I tried to deposit money into my account, but it failed, I went to the nearby financial center, they asked me to wait until XX/XX/XXXX, but when I logged in again, the system showed my checking And the saving account has been closed and I am not allowed to open another account, they did not give me the reason. I called and could not get any help, they just said that they could not verify my information and asked me to go to the nearest financial center, which I did in the nearest I went to the financial center with my documents countless times for several days, but in the end I still found out that it was a waste of time. They were playing tricks on me, constantly wasting my time, and constantly transferring calls to different departments. No one really helped me. The department that helped me recover my account was deemed by the risk department to have made the wrong decision. They did something wrong, why should I bear the consequences, wasted four months of my life constantly toying with me.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IN)

I previously had an account with Wells Fargo. I had numerous errors on my account, with transaction errors, overdraft fees and not letting me access my account because of these fees. Made me pay back several fees due to their negligence!
Consumer complaint received 2019-02-03
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. (OR)

I want XXXX  account and collection removed from my credit reports. Ordered products from XXXX all the way back in XX/XX/2013, never received my order as it was sent to an incorrect address I no longer lived at in a different state. I dont know how they got that address as that's not what I put. When I saw it was being shipped to incorrect address I contacted right away to inform to change address as it hadnt actually shipped yet. They refused to change to correct address. After they shipped, I contacted XXXX  and they said the shipper could change the address with them for delivery. They would not. Was delivered to my old address in different state. I even contacted apt office at that  address and they said my package was delivered there but they gave it back to XXXX  to return to sender since I didn't live there anymore. XXXX should have received package back but still kept my bill for order as is. They would not reship to me. Obviously I was not going to keep paying for an order and goods I never received. No one would help me with this and ended up getting bill sent to collections with collection account and closed/charged off XXXX account show on my credit report which is not fair again for goods I never even got. Collection company would not remove when I disputed. I have screenshots from XX/XX/2013 of all the emails I sent to XXXX  informing about the address and trying to get them to do something.
Consumer complaint received 2018-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TN)

My loan with XXXX XXXX was sold XX/XX/XXXX. SLS sent a statement with an amount past due for {$2400.00}, XXXX not knowing what this is for, looking at the XXXX XXXX statement sent for the same XX/XX/XXXX month, .. This is reflected as an XXXX -- I have equity in my home that could have absorbed this 'buffer ''. No statement, no detail, nothing billed to me BY XXXX for such XXXX charges, .. now this loan was sold to SLS, and the same XXXX   charges rolled and are considered past due..?? This is a double dip. XXXX  on XXXX XXXX   Statement, and on the SLS Statement. 

I did not receive notice of the transfer/sale.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXX, OH XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX Balance : {$0.00} or XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$150.00} or XXXX XXXX Balance : {$150.00}, and XXXX XXXX XX/XX/year>.
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XXXX I wrote a Bank of America check to my XXXX  for {$40.00}. When I got my statement Bank of America on XXXX I saw they took {$400.00} instead of {$40.00}. I printed up a copy of the check and the Transaction Details which clearly shows a check for {$40.00} and {$400.00} being taken out of the account. I called that day and the representative connected me to another department that was closed. I called again on XXXX and the representative assured me that my account would be credited for {$360.00} on XXXX and gave me a case number. I still did not have it on XXXX so I called again and was assured my account would be credited by the end of the day. Today is XXXX after XXXX and my account has still not been credited.
Consumer complaint received 2021-09-28
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. (LA)

Warning to Remove All Incorrect Items from my Credit Report ASAP!!!!!! 
I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

i believe im not being credited and that my girlfriend is being credited instead, somehow me and my girlfriends social security number is mixed up, i recently financed a car at XXXX XXXX in XXXX il on XXXX XXXXafter six months i realize i wasn t being credited for the loan on the car in which i was making payments too, i furthur realize my girlfriend was being credited instead of me somehow the car lot mixed up our social security numbers and that is why im not being credited
Consumer complaint received 2024-03-14
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. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$6600.00}
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2021-09-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (TX)

I receive multiple phone calls every single day that are robo / recorded messages and I am unable to tell them to stop calling me or remove me from their list. I have already attempted to place myself on a no call list, but if I am on it I am not being respected. These calls often spoof area codes similar to mine even though I do not live in that area code anymore, so I know they're fake. Another one that is common is " Credence '' with an XXXX, Tx area code.
Consumer complaint received 2021-09-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (GA)

Ive been in forbearance, I called the mortgage company to start payments XXXX XXXX.I finally got a job after this XXXX they said they were deferring my forbearance payments and start payments again on XXXX XXXX.they said someone would come to my house to sign paper.I agreed it gave me a extra month to start payments back up. nobodys contacted me this was on XX/XX/2021 .so I called back on XX/XX/XXXX, lady said they couldnt find anyone to come to my home to sign papers .then she said would have to have my ex-husband who Ive been divorced almost 4 years he is no longer on the deed I got the house in the in the divorce.Hes an XXXX man I have no idea where hes at so then she began to tell me then I could not do the deferred payments and then I would have to have {$13000.00} by next month or I would go into foreclosure.they did not state this on XX/XX/XXXX, I sent over court papers from the divorce and deed signed off .I want to keep my house, and agreed to start payments on XXXX .she told me today there was no way around this find the ex or lose house .rocket mortgage
Consumer complaint received 2023-02-03
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. (NC)

These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.