davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and Dept Of Ed/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX
Consumer complaint received 2020-08-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: LendKey Technologies, Inc. (WI)

I refinanced my student loans with Lendkey/XXXX XXXX XXXX XXXX. When I refinanced, I provided them with a account number to set-up automatic withdraws. After a few months, I received a email stating my account was delinquent due to non-payment. They attempted to withdraw funds from an account. After contacting them, it was discovered that they had the wrong account on file. The account they has was not a account of mines. My account is still showing delinquent after making a payment. I do not want this information to be reported to the credit bureau as XXXX was at fault for entering the wrong account information.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

The incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LendingUSA (FL)

On XX/XX/2019 Lending USA agreed to a settlement for a debt in the amount of {$6700.00}. They agree to debit my account XXXX on record from the XXXX XXXX XXXX XXXX. According the document supplied from XXXX XXXX XXXX XXXX they never attempted to withdraw funds on any of the dates according the agreement they prepared and agreed too. I recently found out the account was sold to XXXX XXXX XXXX , XXXX for {$19000.00} and it's being collected on their behalf from XXXX XXXX XXXX of Colorado. Now both Lending USA and XXXX XXXX XXXX , XXXX are reporting me to all three credit bureaus in the amount of {$19000.00}. As a consumer both companies are trying to take advantage of me on behalf of the lender XXXX XXXX XXXX. I want this remove from all three credit reporting agencies and to consider this debt satisfied because I kept my agreement but the collection debt holders broke the agreement.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NM)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-08-11
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2017 ; I applied for a job through the job search engine XXXX  for a position as an administrative assistant w. a humanitarian company called " XXXX XXXX XXXX XXXX XXXX. I was reached via email from an HR worker called Mr. XXXX XXXX and his title was Chief Marketing Officer. He offered me the job and stated that he will be sending me two separate checks via XXXX of the amount of {$980.00}. We only communicated through email and texting, but I never heard his voice. He also provided me a website at XXXX.I trusted this company because they utilized the company a well-known job search engine, so I thought it was okay until I received the two checks and urged me to deposit them into my account as soon as possible but never asked me for money and when I tried to reach Mr. XXXX he didn't reply after bringing to his attention that both checks for fraudulent checks. Therefore, my accounts at Bank of America was closed and I tried to write a letter and provide proof to Bank of America in Missouri but was denied and was reported to XXXX  and XXXX XXXX, that I know. And haven't been able to open a bank account whats so over which is not right, I didn't do anything wrong just trusted the wrong job search engine.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

I contact XXXX/Department Stores National Bank That i can't make payments on time because i'm affected in covid19 crises by not being able to work, the above bank agreed with me that i don't have to make a payment for 2 months, and they will not report late on reports as the law requires, My Reference Number for XXXX covid 19 agreement is # XXXX But XXXX/DSNB did reported late on my reports late for XX/XX/ XXXX
Consumer complaint received 2022-10-31
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. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2020-08-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (MO)

I had a total roof loss and submitted the insurance payment to Aim loans, they sent payment to me for a portion of the insurance check. They kept $ XXXXof the funds to refund on completion. I called on XX/XX/2020 to have an inspection done because the roof was completed. So the funds would be released back to me to pay my contractor. The inspector rescheduled for Monday XX/XX/XXXX and did not show up. On XX/XX/2020 I called XXXX XXXX XXXX that schedules the inspections for Aim Loans, XXXX referred me to another inspection company named Big Red XXXX, she gave me a number to call for an inspection his name was XXXX XXXX, he said XXXX XXXX was a distraction and he did not get enough inspections to full with and he told me that I needed to call them back for another inspector. I called Aim Loan 's and waited on hold because a supervisor was not available, I left a message for XXXX which her voicemail said she would return the call within 24-48 hours. My contractor has advised me that he would put a mechanics lien on my home if payment was not paid in full. Please help me with this situation, Aim loans is a horrible mortgage company.
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MD)

I had an XXXX XXXX account that was associated with my cable account. I moved to an area where the cable service was not available and XXXX was going to charge me a higher rate for mobile phone service because I was not able to transfer my cable service. I terminated my mobile account and returned my phones. XXXX is claiming that I owe early termination, late and other fees. The charges came to {$1000.00} They retained Credit Collection Services in XXXX, MA. I spoke with Mr. XXXX or XXXX ( he was not cooperative ) so I am not sure which and hope the call was recorded, on XX/XX/2020. I disputed the charge but offered to negotiate a settlement to clear my credit because of fraudulent reporting to credit bureaus. He refused and said they would not accept any less than 20 %. I disputed it previously and all they did was send me a statement. He asked if I had questions and when I started asking he was very rude and said that it would just stay on my credit report until I paid it and hung up on me. I considered this a threat to do harm to my credit. He is in no position or of authority to make such a statement.
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (PA)

Amount XXXX From National Credit Systems account number XXXX, collection representative is XXXX XXXX, office located in XXXX, XXXX My husband and I lived at XXXX XXXX XXXX XXXX XXXX XXXX , because of many people experiencing issues and added on expenses from rental properties, we decided to take many pictures and videos of the apartment when moving out. This apartment was spotless, the collection agency and Mr XXXX will not allow me to send the pictures of the apartment, nor will he call me back. he will not supply email information. I left messages on his voicemail and I am quite sure they will use the Coronavirus as an excuse but I tried previously and again, nothing. I want this amount removed and this also removed from my credit report. I need the last payment that I made and will attempt to get that from my bank, the property stated we only paid until XX/XX/XXXX but when we moved from XXXX back to XXXX we changed our banking information. So if we owe anything, it's XXXX or so. There is no doubt from my videos this is the apartment we lived in because I also took videos from different angles and from the window
Consumer complaint received 2020-08-11
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. (AR)

My credit has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX  XXXX {$3500.00} XXXX XXXX {$1100.00} XXXX   XXXX {$3300.00} XXXX  XXXX {$6900.00} XXXX   XXXX {$8500.00} XXXX  XXXX XXXX {$210.00} XXXX   XXXX {$390.00} XXXX XXXX {$1100.00} XXXX XXXX {$5000.00} XXXX XXXX {$820.00} XXXX  XXXX {$1300.00} XXXX & XXXX XXXX {$190.00} XXXX  XXXX {$320.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$610.00}
Consumer complaint received 2023-03-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLIANT CREDIT UNION (CA)

On XX/XX/XXXX I entered into a purchase agreement with a private party for the purchase of a XXXX XXXX XXXX. I started the loan process with Alliant XXXX Credit Union on XX/XX/XXXX. At their request, I provided all required items. Alliant  kept sending separate requests for items instead of one request with all items needed to close the loan. The communication between XXXX XXXX and myself was horrible. Many times I reached and did not hear back, left multiple messages and even spoke to his manager XXXX. None of these avenues provided any successful results. After multiple unsuccessful attempts, after providing everything they asked for, I reached out to customer service and asked to work with someone else. At that point, I began working with XXXX XXXX on approximately XX/XX/XXXX. XXXX asked me for additional information including another payoff statement and additional paystubs. Again, I provided all items needed including an updated buyer/seller document ( already previously completed ) and waited. I waited a few days and nothing. It is now XX/XX/XXXX, well over a month since I began this process and today, Alliant CU advises me that can only cover 90 % of the car. The value of the car is XXXX but they have stated those can decide to use the value or the purchase price and theyve opted to use the purchase price with no explanation and have asked me to come in with XXXX down. I feel discriminated, I feel like my time has been wasted, I feel they misrepresented their process and at the 11th hour changed the terms on me to a less favorable option in an effort to deny my loan.
Consumer complaint received 2022-10-31
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. (TX)

I sent a letter on XX/XX/XXXX, to removeitems that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX CA XXXX ; DEPT OF ED XX/XX/XXXX
Consumer complaint received 2020-08-11
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. (AR)

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. 
XXXX {$1700.00} USDEPED XXXX {$2000.00} USDEPED XXXX {$2000.00} XXXX  XXXX {$2500.00} XXXX XXXX {$1500.00} XXXX XXXX {$0.00} XXXX XXXX {$20000.00} XXXX  XXXX {$860.00} XXXX  XXXX {$1000.00} XXXX XXXX {$22000.00} XXXX  XXXX {$860.00} XXXX XXXX XXXX {$120.00} XXXX  XXXX {$640.00} XXXX  XXXX {$270.00} XXXX XXXX XXXX {$280.00} XXXX XXXX {$860.00}
Consumer complaint received 2020-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

A payment I mailed on XXXX was received by Shellpoint Mortgage Servicing and posted to my bank account onXX/XX/XXXX. However, Shellpoint did not apply this to my mortgage and shows my mortgage as being delinquent. I have spoken to Shellpoint on at least 4 occasions. I have sent a copy of the cashed check on 3 occasions. Shellpoint acknowledges having the copy of the cashed check with their endorsement on it. They have been unable to identify the reason for the payment not being reflected on my account. In the meantime, they continue to send increasingly aggressive letters stating their intentions to collect this debt.

I have tried to provide all of the information necessary for Shellpoint to rectify this problem. I am at a loss of what to do. Your help would  be of great assistance.
Consumer complaint received 2020-08-11
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$1100.00} XXXX XXXX {$73000.00} XXXX XXXX {$200.00} XXXX  XXXX