davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-10
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. (TX)

Hello, My wife and I purchased a vehicle from a company called XXXX in XXXX. We called the company in the beginning of XXXX because we could no longer afford it and they said we could make a payment and have them pick it up and we wouldn't owe them anything else which turned out to be a lie. We didn't know this at the time. 3 years later, a repossession hits my credit on XX/XX/XXXX. 

I have written 3 dispute letters to all 3 bureaus asking them to show verification of it being my debt and also to validate that the balance is correct because its not. We had a verbal deal that we wouldnt owe anything else after making the payment and surrendering the vehicle. XXXX has given us NOTHING. No itemized bill, no bill at all of any sort, and they are reporting to the credit agencies THE WRONG WAY. Transunion, XXXX  and XXXX  are all dragging their feet and telling lies also. 

They keep saying everytime I make a dispute that the XXXX verified the debt, the balance ( which is a lie ) and the status but they have not. I have demanded in writing and by phone that this account be removed from my credit reports immediately because the balance is WRONG, they cant validate the debt and most importantly, it keeps reporting as a late payment every single month on my credit report even though its been CLOSED for years and shows as CLOSED on my credit report but still reporting as a late payment that kills my score every month. 

I have also called XXXX directly 4 times dating back from XX/XX/XXXX asking them to validate the debt by showing me the bill and also to UPDATE all the WRONG information including the balance, status. 

My credit is perfect other than this and it is ruining me financially. I need this deleted from my credit report immediately. My letters/disputes were sent out in XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Thanks!
Consumer complaint received 2022-12-29
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. (GA)

My current correct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update the information in my file to reflect ONLY my above mentioned true accurate undeniably valid current correct address and remove any and all other reporting addresses that are not exactly as I have submitted and proven. These other addresses are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA Section 623 since they are not yet proven accurate. You would need to pull certified public records proving that I have any relation to this address, otherwise I demand they be deleted. Both XXXX, XXXX, XXXX and XXXX have properly updated this information, but Experian continues to refuse to comply with this demand. DELETE ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX. How did you verify this address? Did you obtain public record data to prove that I lived here? I demand that you send me documented proof of this address. Just because a creditor has a record of this address, does not make it valid. DELETE THIS ADDRESS FROM MY RECORD IMMEDIATELY. You HAVE NOT provided me with a copy of ANY original documentation of this address. By continually reporting this address you are committing Negligent Enablement of Identity Fraud.
Consumer complaint received 2020-04-10
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. (MA)

To Whom It May Concern, On XX/XX/XXXX I went into my credit karma account which I haven't done in a long time and noticed in all my collections there is a charge of {$970.00} loan amount from XXXX. I called XXXX on XX/XX/XXXX to validate how I owed them any money. What had happened was back In late XXXX maybe early XXXX I had a family plan with them and a separate phone line. All my numbers on my family plan got moved to a different provider. As for my other phone line I paid it off and closed it since I believe I was on a month to month term with them. I Know 100 % I paid in cash at the XXXX store in full amount owed. While on the phone today they said they were billing me even after my account was closed because the person at the store never closed the account. I asked them to remove this whole thing from my report as this is inaccurate. The customer rep told me to go through each credit reporting site to dispute this. I do not owe them any money and never used phone there talking about. If someone else did such as that customer service rep from the store that is fraud and I should not be held responsible for something I never Authorized. I am Looking for all major credit reporting agencies to have this removed under the fair credit act since this is all Inaccurate and unverified Information. I will also show you guys a picture of this inaccurate info that they have on my credit file.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 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 2020-04-10
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. (MA)

To Whom It May Concern, On XX/XX/XXXX I went into my XXXX XXXX account which I haven't done in a long time and noticed in all my collections there is a charge of {$970.00} loan amount from XXXX. I called XXXX on XX/XX/XXXX to validate how I owed them any money. What had happened was back In late XXXX maybe early XXXX I had a family plan with them and a separate phone line. All my numbers on my family plan got moved to a different provider. As for my other phone line I paid it off and closed it since I believe I was on a month to month term with them. I Know 100 % I paid in cash at the XXXX store in full amount owed. While on the phone today they said they were billing me even after my account was closed because the person at the store never closed the account. I asked them to remove this whole thing from my report as this is inaccurate. The customer rep told me to go through each credit reporting site to dispute this. I do not owe them any money and never used phone there talking about. If someone else did such as that customer service rep from the store that is fraud and I should not be held responsible for something I never Authorized. I am Looking for all major credit reporting agencies to have this removed under the fair credit act since this is all Inaccurate and unverified Information. I will also show you guys a picture of this inaccurate info that they have on my credit file.
Consumer complaint received 2020-03-29
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. (CA)

Mailed in a lengthy thorough dispute that went ignored by XXXX and Transunion, I also upload the same information using their uploading system. Since the law requires them to respond to my claims and perform a investigation which never occurred, I will file a complaint with them. I have been a victim of identity theft. Please see attached documents that support my claim of identity theft. Please delete the accounts I've outlined in my dispute. The FCRA also states that I have the right to dispute inaccurate and incomplete information. These accounts are inaccurate and fraudulent. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I had no other choice but to escalate this matter and file complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department.
Consumer complaint received 2022-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

T-mobile says I owe them XXXX. As of XXXX XXXX. How can they say that. In oder for me to keep the Device you must pay both Device and bill. I did that in early XX/XX/2021. Bye the middle of XXXX i was with new XXXX and still Im. I asked XXXX why are you sending me the bill, the ask me for my personal information I said no you should know all my information your the ones sending me mail.you have all that. Twice they said they couldnt find out why this was happening. Now its in Collections Agency. One told me I would have to go in person with my I.D . Are they crazy. I have a XXXX. Plus location place people are very rude .Customers like me walking in for help we get sent back to calling customer service. This is ridiculous Ive had it with these people treating you like garbage. They want XXXX dollars from me this is false accusations. When they have billions and trillions of dollars .Thank you.
Consumer complaint received 2022-01-13
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. (CA)

I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : Late Payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (MN)

One Main Financial pulled and accessed my XXXX XXXX, XXXX, and XXXX credit report without my authorization or permission. I never applied for a personal loan with One Main Financial. The credit inquiry from One Main Financial listed on my XXXX XXXX, XXXX, and XXXX credit report from XX/XX/XXXX is a fraudulent and unauthorized credit inquiry. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2022-01-13
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. (LA)

The 3 credit reporting agencies have the power to ruin your credit without abs repercussions. I have repeatedly asked them to remove items off my credit report that I know I dont owe. I asked them to remove all those names of my credit report, it hasnt been done, I have asked them to remove addresses that are not mine and they have not done it yet. You E here to protect my rights as a consumer and I feel this is not happening. This has been an ongoing issue for XXXX American people since close ever. Stereotyping me is not only unconstitutional it needs to stop. Youre here to help, but I noticed this is not whats happening. I have yet to receive one piece of concrete evidence in regards to any of these matters. Yet my credit report looks like XXXX, no matter how hard I am trying to clean it up. The huge difference in the scores are unbelievable, XXXX has me at XXXX, XXXX has me at XXXX, while Transunion has me at XXXX. Please explain how can this be so off with them, yet everyone uses them for accuracy in getting my credit score. I have tried to call them repeatedly, their customer service representatives are rude, disrespectful and unprofessional. They feel they can do whatever they want because no one has challenged them to the full extent of the law. Enough is enough abs this has gone on for way to long. All Im asking is for you to do your job and help me as a consumer without leaning over to their side. This does not help me. I need this problem fixed right now and I dont want to keep asking. Im a XXXX Veteran with XXXX and a XXXX Citizen my rights have been completely and utterly disregarded.
Consumer complaint received 2022-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On XX/XX/2021, I sent a letter regarding inaccurate information on my credit report to the reporting agencies. To date, it's been over 45 days and I have yet to receive a response. My disputes have been ignored and I've grown very frustrated with the lack of action. 

FCRA Section 611 ( a ) states that a failure to investigate these items within 30 days is a valid reason to immediately remove the disputed information from my credit report. It has been over 45 days and I'm requesting that the information be removed immediately or I plan to pursue litigation. 

Additionally, my information was impacted by the XXXX data breach and may have been used fraudulently.
Consumer complaint received 2020-03-29
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: Child Support Recovery Services, Inc. (FL)

I have been disputing the identity theft I discovered on my credit report. Most of the accounts have been removed but there are still quite a few that are still fraudulently reporting. They are affecting my score and credibility.
Consumer complaint received 2022-01-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

Just called today about modification a Shellpoint rep XXXX XXXX XXXX ext XXXX said UNDER 30 DAYS BOGUS SEE PROOF OF ONE FAXE XXXX have XXXX proof also and was emailed!!!!!!!!!!!!!!!!! Was never legally under review all BANKS SAY UNDER 37 DAYS WAS THERE PLENTY OF TIME!!!!!!!!!!!!
Consumer complaint received 2022-01-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (CA)

PNC apparently bought my free checking account from my previous bank around XX/XX/2021 ( I've never wanted a PNC checking account ). PNC has been charging me account maintenance fees so I want to close my PNC account. On XXXX I visited their branch in person in XXXX CA, and a PNC banker looked at my account and said I couldn't close it in person and needed to call them. On XXXX I called and asked them to close the account. They said I couldn't close it over the phone because I owed them a {$4.00} account maintenance fee which I can only pay by visiting a branch in person ( because I don't have a debit card ). I'm tired of being sent back and forth between in person and phone, and want them to close the account and forgive the account maintenance fee.
Consumer complaint received 2022-01-08
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (FL)

I want to dispute to my credit card provider PNC Bank the amount of {$100.00} for late fee and interest charges in my account. 
I signed up automated payments to avoid paying late fees and interest charges. 
My total balance was withdrawn from my checking account every month. 
PNC Bank mailed me a new card with a new number and new security code, the customer service representative told me that my balance in my card ending XXXX will be transferred to the new one, but never mentioned that I'll have to enroll the new PNC credit card in automatic payment again. 
I spoke with XXXX XXXX PNC customer service supervisor today XX/XX/XXXX but he refused to remove these charges
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a public record of 2 backruptcy that was never done I tryed to fix it with credit report agencys and they have not removed it I filed wrong paperwork to save my car from repossession but Ive lost car and I should not have to suffer 10 years on my credit report for a bankruptcy filed erroneous I even talked to bankruptcy court they said they didnt report it please take this from my record it shouldnt be there my XXXX Im a XXXX veteran and I need good credit please fix this and remove from all three credit bureaus thank you
Consumer complaint received 2020-03-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (VA)

We were first with XXXX XXXX, over 20 years. We fell behind due to my wife in a bad accident, and only 1 income coming in. My wife got better. XXXX  granted us a modification, putting everything on the back end. We were told we were up to date. We were never behind on our mortgage again. We were never told when our maturity date was reached we would have to pay the back end in full. 
The a few years later. XXXX  sold our loan to Fay Servicing. They did not tell us, we received a letter in the mail telling us so. 
And us not to send them anymore payments. We been with Fay Servicing about 6 years now. We were told by Fay Servicng XX/XX/XXXX our maturity date would be XX/XX/XXXX. So in XX/XX/XXXX I contacted Fay Servicng to see what we needed to do. They said would send a payoff package of paper work we needed to fill out and send back to them. We received those papers in XX/XX/XXXX. In those papers explaining to us to pay {$6600.00} by XXXX in Certified money or check for our last payment. I was confused. I called they explained it was the back payment from XXXX. And they would give an option to refinance or foreclosure. Which we refused, and said we have never been late, we are up to date. We just want to finish paying our payment to the end. 
The other option filling out Applications. 
They then send us another package called Applications XX/XX/XXXX saying they will let us know. I been calling them everyday. Now we are hit with this Coronavirus Pandemic. 
They told me today over the phone they denied us to continue to finish paying out our loan. We were up to date on our payment. Only other option we have is refinance or foreclosure. Or they said we can appeal. The appeal will be going back through Fay Servicing that's already made a unfair decision. We see our maturity date XX/XX/XXXX right around door. I said it do not seem as your mortgage company Fay Servicng is trying to help sound like you are trying to take advantage. 
This complaint is against the company of Fay Servicng. 
We feel they are trying to take advantage of us, and take our home away after we been paying on it all the years. 
Can you please help us XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Va. XXXX [ XXXX ] XXXX
Consumer complaint received 2022-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

I just received a letter showing my unsubsidized portion of the consolidated loan has 61 qualifying payments, which reflects the months of employment I certified. The statement only shows 55 qualifying payments for my subsidized portion though. MOHELA is required to service my consolidation loan as one singular loan, and that loan should have 61 qualifying payments. I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously counted my qualifying payments. 
I had loans in XXXX as well as loans in an in school deferment. I also consolidated my loans, as Federal Student Aid announced that if the loans were consolidated and employment was certified during the waiver ( prior to XX/XX/2022 ) I would be awarded the highest qualifying payment.
Consumer complaint received 2020-04-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (CA)

I took out a loan of {$1200.00} in early XXXX with Target Cash Now. Actually, they took out a {$75.00} processing fee and {$1000.00} was direct depoisited into my checking account. The interest rate was over 700 %. They started taking payments every two weeks out of my account. Each payment was {$380.00} every two weeks. I then realized just how bad this loan was as the principal was paid back just after 6 weeks. I paid them about {$2000.00} in payments and started to have trouble making the payments. I am a senior citizen and a veteran and I started reaching out to TCN to try and get a settlement I could afford. Over four weeks I spoke with different people at TCN some acted like they would work something out with me and some had the attituded of a loan shark and were mean. I made an offer to pay them {$800.00} in two installments. {$400.00} the third Thursday of the month when my Social Security is deposited. for ten days is was told the people at the top had not yet approved my offer.  Yesterday, I called and a rude man told me they had sold my loan to a collection agency. I was very upset and asked to speak to the CEO. The man told me he didn't know who the CEO was. That of course was a lie.I found out from the XXXX website that their CEO is Ms. XXXX XXXX and a XXXX XXXX is their Compliance Manager. XXXX is owned by the XXXX XXXX XXXX XXXX I believe from Montana. Since this COVID 19 virus has come upon us, paying this has become even more difficult for us. Can you please help me?