davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
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. (SC)

I believe I am the victim of identity theft. I had a collection account from XXXX XXXX XXXX placed on my credit report related to an address in Texas. I have never lived in Texas nor was I familiar with the referenced account. I filed a dispute and was notified by XXXX that both the account and address have been deleted from my credit report. However, in reviewing my corrected credit report from XXXX I noticed a new collection account had been listed related to a different address in Texas. Again, I have never lived in Texas. I contacted the new collection account, XXXX XXXX XXXX and reported the account and address as fraud. The representative for the company asked me about an email address that they had on file with the account and I had never heard of it. I have also filed a new dispute with XXXX, XXXX, and Transunion. The credit reporting agencies say they can not remove the new fraudulent address in Texas from my credit report because a creditor ( XXXX XXXX XXXX in this instance ) reported that address related to an account. The account is fraud and they are reporting incorrect information! CRAs should be required to confirm the address and or account is legitimate once disputed by a custome. I previously placed a fraud alert on my file but that did not stop the credit reporting agencies from listing this new fraudulent account.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

Experian has been breaking several federal laws when it comes to consumer law. They are violating consumers rights and not abiding by the laws that are put in place for the consumer when it comes to the consumers credit report. Experian is reporting this with out my permission and never gave me the option to opt of the credit reporting on my personal information and accounts. They are violating the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX ( XXXX ). They do not abide by either one and disputes in the pass have been ignored or Experian has completely falsified the dispute process giving no evidence of any documentation of the dispute process and who they spoke to to confirm said information being reported is even valid.
Consumer complaint received 2023-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I hope this time Consumer Reporting Agencies will be able to answer my unresolved disputes about these incorrect and misleading accounts to which I have requested for proper reinvestigation from my previous letters about a few months ago. They have failed to get back with me.
Consumer complaint received 2022-04-21
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. (IL)

Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.
Consumer complaint received 2019-08-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (SC)

Modification approved XX/XX/XXXX first payment XX/XX/XXXX made 5 payments still showing behind on credit report which is illegal and unapplied payemnts on mortgage WHY? PAYMENTS HAVE BEEN MADE! Final modification paperwork was finished no need to sign anything else if your ERROR!
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

n accordance with the Fair Credit Reporting acts, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

I was unfairly charged for overdrafts on an account that I didnt have overdraft on. The last activity on the account was I withdraw {$20.00} more then what was in my account at an atm and they charged me an overdraft fee plus the {$20.00}. I tried to close the account however they wouldnt close the account until I brought it out of the negative. A few monthly later I received a letter from Wells Fargo crediting my account back the overdraft fee and the {$20.00} in the total amount of {$70.00} that I currently owed bringing it back to {$0.00} and closing my account. Well it has been about a year and a half to two years and I just received a letter saying I not only owed the original {$70.00} now I owe {$170.00} and it was sent to collections. When I called they told me the overdraft was due to my second to last transaction where I sent a friend money on XXXX not the last transaction at the atm denied ever bringing my balance to XXXX or ever closing my account. They told me the new fees were for a monthly membership continuing to charge my account that I know will cancel the subscription before overdrafting plus my account wasnt charged In the months before the letter stating they closed my account and plus I was paying the fee from my new bank account. So they lied about me that
Consumer complaint received 2024-02-19
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: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint against XXXX, XXXX and Experian for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2022-04-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BSI Financial Holdings, Inc. (FL)

To whom it may concern, For several months we been having problems with Bsi financial services processing our mortgage payment which were purchase in postal money orders. Bsi financial wanted us to sent the payment to a XXXX XXXX which we did for years but in several month our mortgage payments was arrive late we start sending to physical address which we mail out payments on the XXXX XXXX XXXX or XXXX now I did spoke to a manager at Bsi financial stated he'll take care of it. XXXX my Mortgage payment change and was sent out.XX/XX/XXXXXXXX payment sent out. XXXX XXXX we sent out XX/XX/2022 payment XXXX XXXX I notice the money order XXXXXX/XX/XXXX short immediately I contact Bsi financial to inform them I sent a {$1.00} money order I tried to payXXXXXXXX XXXX  by phone with my debt card they would not accept it only bank router number only on XXXX XXXX I received the envelope with money order the address cross out it state return to sender refused unable to forward also I have original money order stub also have letter that was sent back as I writing this Bsi call me twice I said hello hello no answer I guess they wanted proof they call me back at least say something.Also they charge a late fee which I don't feel that it fair I'm confused why send the {$1.00} dollar money back. why?
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (MO)

On or around XX/XX/2022 I disputed some fraudulent unauthorized transactions with Navy Federal that was caused by XXXX XXXX XXXX XXXX. Navy federal reply was that they investigated my claim but was unable to process it in my favor because their Debit Card disclosure requires that I report my disputed transaction within 60 days. Knowing that there is no statute of limitations on fraud and if so ten-years ( 18 USC 3293 ). I request that Navy Federal restore any funds withdrawn from my account without my consent or authorization.
Consumer complaint received 2019-11-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (NV)

I have reached out to Santander Bank 4 times to verify this debt listed on my credit report. They have failed to reply to any of my request. 

I have a credit monitoring and each attempt to get this resolves has been ignored by the creditor.
Consumer complaint received 2022-04-21
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. (MD)

" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

I have had student loans being paid off since XXXX. Often forced into many forbearances, deferments or INcome based plans. I know I qualify for loan forgiveness as well as I am a health care provider since XXXX. I cant get anyone to tell me exactly how many forbearance periods i had or how many exact payments i have Made. I was Also forced to quickly accept loans from XXXX XXXX XXXX in XXXX. I want to know if any of these will be forgiven. I now owe about XXXX through whatever company bought navient.
Consumer complaint received 2019-08-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (MO)

My husband took out a 2nd mortgage on our home in his name only with Ditech.Financial LLC. My husband has passed away and I need to sell my home. My name is on the home but Ditech gave him the 2nd mortgage without my signature. Now with my husband being deceased they refuse to give me, the Title Co. or anyone else the payoff information of the 2nd. mortgage. Causing me to not be able to sell my home, without expensive attorney fees. The Title Co. has reached out to Ditech, via fax, phone and E-Mail. and they will not even acknowledge receiving the information from the Title Co. I have reached out to Ditech, I have even given my sister access and permission to act on my behalf. They deny having that information on file. Now they say they can't even speak to me. My sister spoke with a manager at Ditech, hoping to get this issue resolved. He too is not willing to resolve the issue without expensive attorney fees. I feel like the loan should not have even been given without my signature, if this is the game they play. Is their any way you can help me without having to pay expensive attorney fees.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-21
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. (MS)

XXXX credit card customer service conversation about this new card on XX/XX/XXXX revealed that late payment reporting was in error. 
XXXX has since corrected the issue on my account statement by crediting the previously recorded late payments and have reported to me, XXXX XXXX that they have also reported to the 3 credit bureaus this error for correction. Please note that this issue caused my credit score to decrease up to XXXX points in one month on Experian and should reflect the correction by XXXX XX/XX/XXXX and an increase in score all around. 

XXXX XXXX card {$700.00} credit limit Card # : XXXX On XX/XX/XXXX {$59.00} annual fee due on XX/XX/XXXX Not informed Late fee XX/XX/XXXX Errorbut still showing past due 30 days on all credit reports, XXXX, experian and XXXX as of today XX/XX/XXXX. 
Late fee XX/XX/XXXX Errorbut still showing past due 30 days on all credit reports, XXXX, experian and XXXX as of today XX/XX/XXXX. 
{$3.00} monthly statement fee errorbut still showing past due 30 days on all credit reports, XXXX, experian and XXXX as of today XX/XX/XXXX. 
{$90.00} is past due as of today error but still showing past due 30 days on all credit reports, XXXX, experian and XXXX as of today XX/XX/XXXX. 
I never received a statement they never connected the cards online as I requested and by error, reported to experian, XXXX and XXXX a 30 day late payment XXXX the Customer Service Supervisor ( XXXX ) XXXX Is the supervisor Spoke to on XX/XX/XXXX XXXX agreed to remove all fees and charge only {$59.00} for annual fee and stated that she has sent a request to correct and delete the 30 day late reporting t to all three ( 3 ) credit bureaus that the payment was never late due to the fact they were sending bills to an address I did not provide to them in error, hence, i never got them as this was a new credit card offer in the first place.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AL)

I previously disputed a debit ( XXXX XXXX XXXX XXXX ) with all XXXX credit reporting agencies ; because the debt was n't mine. All XXXX credit bureaus deleted the collection. Equifax deleted the debt on XXXX XXXX, 2016 and later reinserted the debt. This clearly violated my rights under section 6.11.As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation, and I am requesting that this alleged debt be removed.
Consumer complaint received 2023-07-25
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. (FL)

In XXXX, XXXX XXXX 's online Fico score app ( by Experian ) showed my " Length of Credit History '' as XXXX years. In XX/XX/XXXX, my " history '' changed to a mere 3 years. Thus, my credit score lowered drastically. 
I have made official complaints to CFPB, Experian + XXXX several times. 
The same inaccurate/ incorrect info was/ is on my Experian app online, to this day. 
I complained, by phone, then requested printed credit reports from 3 bureaus by mail. All 3 showed accounts opened in XXXX ( XXXX XXXX ) and XXXX ( XXXX ). 
Now it is 1 year later, and I tried again yesterday with XXXX & Experian, but I get the same non-answers. Meanwhile, I have had to buy a car and get a credit card with credit agencies who have used this credit reporting co., showing a credit score that is up to XXXX points lower than agencies reflecting my XXXX -year history, and therefore, higher credit scores. 
Can you please get a human to make the change at Experian. They only need to see the XXXX XX/XX/XXXX difference ; look at their own source for the info, and change data to accurately reflect their own data! 
It is insanity that I am still having to pursue the cause to change their publishing of data that they changed somehow, and then disbursed to others. This complaint process serves no purpose, if I am still begging both the credit- issuer, the CFPB XXXX and the credit reporting agency to comply with correcting their own info from last year.
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

Disputes were filed with all three credit bureaus, outlining my issues. XXXX removed the Collections Account after verifying that the terms with the original creditor were invalid and illegal, however XXXX and Equifax merely validated that the original account was mine. I explained to XXXX and Equifax that the issue was n't that the account did n't belong to me, but that charges and contracts were added to the account that had not been agreed upon. Information is as follows : Original Creditor : XXXX XXXX added a contract onto my account after I explicitly told them I did n't want one. XXXX has record of this, but claims I agreed to a contract when I called to remove phone service. I told them that due to me only remaining in the area for a few months, I COULD NOT have a contract on my account since XXXX did n't service my new location. XXXX went into my account a month later and illegally added a contract to my account without ever notifying me. When I went to terminate my services there was no mention of a contract or early termination fees ; they even told me that I would be receiving a credit on my account! After receiving the final statement two weeks later, I found an early termination fee and a non-returned equipment fee. I called customer service and the representative told me that they would waive the fees, since a contract had never been agreed upon. ( This is all in my account notes and recorded phone calls that XXXX will not release to me. ) Two months later, I received a letter from the first collection agency due to the aforementioned and allegedly removed fees. XXXX had gone back into my account and re-added the fees, claiming the CSR who removed the fees did n't have authorization to do so. This debt has been passed to XXXX different collection agencies and successfully disputed each time. XXXX and Equifax refuse to look into these details outlining the illegality and illegitimacy of this account. Furthermore, XXXX is reporting this account as 90 days late, even though I NEVER had an agreement with XXXX XXXX, or any other collection agency. 

Disputes with these credit bureaus have gone nowhere, since the bureaus refuse to do anything more than validate ownership. I have never been late on any account, and have never missed any payments. I monitor my credit very closely, so it 's appalling to have this matter treated so lackadaisically.
Consumer complaint received 2022-04-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have a credit card through XXXX XXXX, which was formerly XXXX XXXX  at the time this happened. My credit card was paid off. There was a charge from XXXX that I reported as fraud for {$28.00} on my credit card. I asked my bank if I should pay it because I saw the balance on my account for a while. I had reported it as fraud. XXXX XXXX  said not to pay it. I later got a 30 day late payment reported on my credit bureau for XX/XX/XXXX. I had tried to reach out to the bank by phone and the help center wasn't able to resolve it, just told me they couldn't fix it or it would take a few more months. I was very frustrated so I reached out to the CEO on Linked in who put me in touch with a rep named XXXX XXXX who started emailing me via secure XXXX email. I have a customer care # of XXXX. She had sent me a letter saying she would fix the credit bureau mistake. I had emailed her several times through their secure portal. A year later i look at my Experian credit report and still see the 30 day late. So, I submitted a dispute through Experian, who left it the same post investigation. The bank is now XXXX so not sure if they have all the records. I logged in today to the XXXX XXXX and all my messages are gone so I have no proof of this but doesn't the bank have to keep records of these things? Especially when they wrote it off for fraud or have an ongoing fraud investigation on that charge. I have no one left to reach out to as my messages are missing, and my dispute did not get resolved.