davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Failure to produce any legal evidence or verification for the alleged debts, and it is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''.
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: INTERCONTINENTAL CAPITAL GROUP (NV)

Intercnontinental Capital Group, XXXX. 

Is sending out letters to VA home loan owners, offering them a {$100.00} gift card to refinance their home. The Letter does not indicate that anything is required to activate the card other other than to call them. Once you call, if you are not willing to complete the refinance questions they will not activate your card and just hang up on you. 

This is false advertising and misleading, specifically targeting veterans.
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: EQUIFAX, INC. (NC)

They lied again they didnt do an investigation, lol at my complaint- I am disputing another company then they are replying about! the XXXX  at Equifax strike again! Fake!! 

Read this complaint! XXXX. They are on XXXX  or something this is getting worse everyday!
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. (NC)

This is the complaint number that I just received a response from Experian XXXX They lied and said that was a duplicate of this. 
XXXX They are liars please start an investigation.
Consumer complaint received 2020-08-12
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: HAMILTON GROUP FUNDING, INC. (FL)

I was the seller side of the transaction. The contract I signed with the buyer indicated I would contribute up to {$6000.00} towards closing costs. When I received settlement statement the lender applied part of the {$6000.00} towards prepaids such as taxes and insurance. These are not closing costs. 

We contacted the lender, Hamilton Funding Group, and spoke with XXXX XXXX. XXXX indicated I was incorrect and proceeded to get the buyer worked up thinking I was incorrect. 

XXXX injected herself in the middle of this by providing incorrect advice which caused me to pay an additional {$2600.00} in fees that I was not contractually obligated. Bethanys action as a representive of Hamilton funding caused me financial harm by her negligence and misinterpretation of the contact as prepaids are never considered a closing cost, they are prepaids of items that are not closing related ( taxes and insurance
Consumer complaint received 2020-08-12
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: EQUIFAX, INC. (AR)

I submitted an online dispute with Equifax on XX/XX/2020. Today is now XX/XX/2020 and the two disputed accounts still show " Consumer Disputes - Reinvestigation in Process. '' XXXX XXXX XXXX - XXXX - Reporting as a Charge-off account which is inaccurate. 

The XXXX  XXXX XXXX  - XXXX - Reporting as an Open Revolving account which is inaccurate.

I called Equifax on four separate occasions today and spoke with four different agents. I informed them all that the accounts were still in a Reinvestigation status and I have not received results within the required 30 days. They all verified what I was saying was true. They verified the dispute start date. They also verified that the accounts were still showing a Reinvestigation in Process status. I told them that I was patient and decided to give 45 days to receive the results. It is now past 45 days. They informed me that they would not delete the accounts ; which is a direct violation of the FCRA laws.
Consumer complaint received 2020-08-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (GA)

Contacted Santander in reference to a vehicle loan in XX/XX/2020. The vehicle was totaled 2 years ago however after the insurance company paid them {$15000.00} Because of the extreme interest I still had a balance of {$8000.00}. Ive paid until until the Shelter in place order in GA came up. I called them in good faith to settle this account since I dont have the car and just want to make good, but was denied a good option. I sent a request on Social media ( XXXX ) and to spare themselves the publicity someone reached out promptly with an option of reducing my payment by {$1.00} per month. I reached out again on XX/XX/XXXX and to escalate this matter and yet to receive a response in which I received an automated response stating Someone will contact me in 24 to 72 hours and weeks later nothing.
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: Experian Information Solutions Inc. (NY)

I was reviewing my credit report and noticed the credit bureau is reporting incorrect info, it shows I have 2 late payments accounts which is incorrect. When I try to click to see accounts nothing shows up. I have NEVER been late on any of my accounts.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian will not help. Their website does not work. Please see attached. Their phone numbers do not work : XXXX ( telXXXX ) Mon - Fri : XXXX - XXXX
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-05-29
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

THIS IS NOT A DUPLICATE COMPLAINT THIS IS A NEW COMPLAINT Experian has not responded to my latest dispute in which they requested for me to send in proof of my identity which I sent a second time as my identity documents were provided with my dispute. Experian is disregarding federal laws when they fail to investigate items on my credit report that are inaccurate. In addition, Experian has not provided me with any updates on my disputes this is an ongoing issue and each time this happens I will file a new complaint for each separate incident.
Consumer complaint received 2020-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MA)

2 MEDICAL COLLECTIONS FROM COMMONWEALTH FINANCIAL SERVICES - WHO IS THIS COMPANY AND WHY ARE THEY ON MY CREDIT REPORT??? I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your  authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2020-06-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I was contacted and informed that my account was locked because AES acquired a student loan from education financial services which had incorrected NPI. This created a discrepancy with my account as AES locked my account erroneously. Thus making it impossible for me to log in and make my payments as I'm always consistently on-time. I was instructed by the company 's customer services representative to scan a copy of my driver 's license and passport confirming my correct birthdate and either fax/mail this in. I completed both of these requirements as of XX/XX/XXXX. It is now a month later and I'm still unable to log in to the website. I've requested several times to speak with a manager, and unfortunately AES has failed to adequately address my concerns. I'm extremely frustrated as I've had an account with them since XXXX and this has never happened before. I fear my credit will be destroyed and my lender warned me that my loan may fail the CAIVERs test. I'm more than willing to make my payments and I just want to ensure my monthly obligations are accounted for when I make these payments. Please help me as I'm completely out of options and lost for guidance.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

I have sent 2 letters to Chexsystems regarding inaccurate information on my chexsystems report and they have failed each time to validate the disputed information in regards to federal laws. The first letter i sent was on XX/XX/2020. The second letter i sent was on XX/XX/2020. Both letters sent by certified mail. The only information i get back from Chexsystems is a letter that says the information I am disputing is valid and accurate but how was that validated when i wasnt sent/given any information to prove the validity of the disputed accounts. I was not sent any form or document showing the original form of indebteness bearing my written signature. I wasn't sent any form or document telling me that i opened the account bearing my signature. Verbal and digital authorization doesn't prove validation only a written signature. I'm requesting that because Chexsystems has failed multiple times to validate the disputed accounts that they be removed from my Chexsystems report immediately as they have failed to validate within 30 days of receiving my letters.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX MXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-06-18
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. (TX)

I have sent Transunion a certified letter disputing the following inquiries, but still no feedback XXXX Credit Stack XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is my mortgage lender and they make it impossible to set up a recurring payment from a non-Bank of America checking account. I already have a checking account with my bank and that relationship precedes my mortgage with BofA. I was told I could enroll in auto payment for a monthly service fee, or I could open a new BofA checking account. I should not have to pay a fee to make payment on my mortgage, nor should I be pressured into opening a BofA deposit account to avoid paying a ridiculous fee.
Consumer complaint received 2020-08-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I need mortgage verification letter from Bank of America for a HELOC. My husband and I called on 3 separate occasions and was on hold for 1-2 hours at a time. We were given the run around by every person we spoke to. We were told to go to the bank on 2 separate occasions and the mortgage broker would be able to print out the mortgage verification letter. On both occasions we got there and they called the mortgage department they said the couldnt send it to the branch. We were also told they could fax it but couldnt email it but that also never happened. Thus has been a nightmare! I will be cancelling my accounts.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXXy XXXX XXXXXXXX XXXX eaither went out of business or sold their company to a debt collection agency around XXXX of 2019. I was a client with a current loan that was paid, never late status. I was told that the loan would be serviced through XXXX XXXX, a third party servicing company, which would handle the loan from here on forward. XXXX XXXX  XXXX XXXX closed my account with the credit bereaus as paid in full and gave my information to XXXX XXXX XXXXXXXX XXXX ( a debt collection agency ) without my consent. Later on in XX/XX/2019, XXXX XXXX XXXXXXXX XXXX reported my account as a new account with about XXXX dollars worth of debt, after I had paid over XXXX dollars on a XXXX loan. I called to find out what was going on and that is when the company XXXX XXXX informed me that they were a debt collection agency. They also told me that they were fixing the problems. The next month it showed about XXXX dollars worth of debt which was still incorrect. In XXXX after seeing all the complaints I stopped payment. I can no longer contact the original company. I've disputed the information on my credit report and they tell them that it is valid. They have no contract with my signature, but they still report this as my account. They use bullying tactics and they now reported my balance as a charge off. If they wouldn't have ruined my credit I probably would have continued payment, but I'm not liable for a contract that isn't mine nor I wasn't in default to be sent to a debt collection agency with a current status of payments.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report hich are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXX/XX/2021
Consumer complaint received 2016-08-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (KY)

I settled this debt in full on XXXX/XXXX/15 after a settlement agreement was reached. I was told the lien would be removed from my home and 42 days layer the lien is still in place and I continue to show a balance with this company. XXXX is the debt collector and Citibank was the original creditor. I will upload receipts and emails and the settlement offer indicating this debt is paid in full
Consumer complaint received 2020-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DIRECMANAGEMENT, INC. (AL)

On XX/XX/20, I was in a car accident in which I was not at fault which resulted in me having to go to XXXX  XXXX XXXX. This current car accident and all charges involved are currently in litigation and are being paid through this process/settlement. This company never notified me that it would be going to collections as I would have advised that this matter is being handled by attorney XXXX XXXX with XXXX XXXX  XXXX XXXX  office ( phone number : XXXX ), therefore not allowing this account to be entered into collections.
Consumer complaint received 2020-08-12
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. (NV)

In 2017 I had a XXXX credit score, suddenly, even having no late payments, collections, debts my credit score went down to XXXX! I demand and explanation about this! I spent two years growing my credit score again, no late payments, no collections and it repeats again, because of a XXXX XXXX XXXX report my credit score went down from XXXX to XXXX, only because of a late payment my credit score went down 107 points. XXXX, XXXX  XXXX XXXX, Experian have been wrongfully calculating my credit score! I disputed the score, Experian answered it Remains on my report. My credit score shows a rare behave, even when making the same payments on time of my car loan and my credit cards, my score goes up and down only one point!
Consumer complaint received 2020-08-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

I paid the loan on full then I get a bill for XXXX cents so we paid that.This was to get the release of the deed.Shell point added to the loan and said I was 90 days late how can We be late on a loan paid off.Shell point is now trying to foreclose when the payoff is XXXX.That we did not owe so they can come on and still our house.