davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

I write once again to file a complaint against Equifax for their failure to provide ( as required by law ) a free credit report in XXXX. 

This year, the problem is with my sons credit report request. He requested his free annual credit report using the toll free number XXXX XXXX XXXX on XX/XX/XXXX. After allowing the required 15 business days to pass, he called the Equifax support line on XX/XX/XXXX, and was told that his file did not have sufficient data and he should send copies of his social security card and drivers license through the mail so that Equifax could fulfill the request. 

This makes no sense as the other services that provide credit report information ( XXXX and XXXX ) have been providing my son with his annual credit report ( as required by law ) since XXXX without any problems. 

I had a similar problem with my Equifax credit report request in XXXX, when Equifax did not send my requested report. ( Similar to my sons situation, I requested my report on XX/XX/XXXX, using the toll-free number ). Equifaxs excuse for not sending that one was that they never received a request for my credit report. They only sent me my report after I wrote a complaint letter to the CFPB ( complaint number XXXX ) in XX/XX/XXXX. 

This has been a continuous problem with Equifax, as they have failed to fulfill a request for an annual credit report from one or more of my family members each year since XXXX. Ive only complained last year ( and again this year ) since I have noticed that Equifax routinely fails to adhere to the law and fulfill these requests ( while all requests to the other credit report agencies have been fulfilled without any problems ). 

I am again filing a complaint with the hope that the CFPB will ensure that US Law is enforced and that Equifax follows the law to the letter. 

I also believe that the CFPB should investigate the reasons why Equifax seems to have such trouble fulfilling these requests while the other credit report services dont have any issues. 

At the very least I would like to see Equifax issue my son the annual credit report ( as required by law ) that he requested on XX/XX/XXXX.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Regarding : Acc # XXXX discrepancies Each credit bureau is reporting different account information for the same exact account. The information in my credit file is erroneous and I want it removed immediately. I did dispute this information and I have not received any evidence of this alleged account information.
Consumer complaint received 2019-12-05
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. (UT)

XXXX XXXX # XXXX is past the Statute of Limitations in Nevada where I received the debt. I no longer owe this and it needs to be removed off of my credit report. I have been trying for some time to get it removed and nothing has been done.
Consumer complaint received 2020-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (GA)

I personally went into the office of the XXXX XXXX XXXX XXXX XXXXXXXX, and was told that the request to reconnect services at my old address did not indeed come from my email and therefore the balance was not owed. 

However, a few months later this account appeared on my credit report, with no written notice that I even owed anything. The deposit I previously had, had covered the bill in full up to the date of termination that I occupied the residence. Please see the attached eviction, as confirmation that I no longer occupied the premises.
Consumer complaint received 2021-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

SOUTHWEST CREDIT SYSTEMS , L.P. has been reporting, to my XXXX, XXXX  and XXXX  consumer reports, false, misleading and harmful information that has resulted in me being denied for housing and has also resulted in me being denied the ability to grant creditors the right to extend me my credit. SOUTHWEST CREDIT SYSTEMS , L.P. has been reporting that I owe an alleged debt since 2017. They have failed to validate any " debt ''.
Consumer complaint received 2019-12-05
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. (NY)

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX and Experian throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Consumer complaint received 2020-02-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NJ)

QUICKEN LOANS a/k/a ROCKET MORTGAGE IS HORRIBLE. THEY DO NOT MAIL OUT TIMELY BILLING STATEMENTS AND DO NOT TIMELY APPLY PAYMENTS. IT IS ALMOST AS IF THEY WANT PEOPLE TO DEFAULT. THEY DO NOT SEND OUT STATEMENTS AFTER THEY RECEIVE PAYMENTS. 

THEIR SALESMAN ARE OBNOXIOUS. THEY KEEP CALLING ME AND ASKING ME TO REFINANCE MY LOAN. I TELL THEM THAT I AM NOT INTERESTED AND THEY KEEP BOTHERING ME. IT IS ANNOYING. I WOULD NOT TAKE OUT ANOTHER LOAN WITH QUICKEN AND WOULD NOT RECOMMEND THEM TO ANYONE.
Consumer complaint received 2020-02-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I received a fraud check from a fake company that contacted me through a XXXX  contact, I deposited in my Wells Fargo account using the mobile app thinking it wouldnt clear if it was a fake check. The money cleared the next day XX/XX/XXXX.I figured I should wait 7-10 business days to make sure, I called Wells Fargo to talk to a Wells Fargo Account Rep to ask if the check had cleared she stated the check did process and clear and the company was a real company the Money was in my account and I didnt have to wait. After asking a second time could she make sure to make sure the money was clear and couldnt come back out if the checked bounced she stated the company money cleared and its in your account now and cant be pulled out or bounce. This was a fake customer survey company it asked for me to take their money they sent and purchase certain girt cards XXXX XXXX is what I bought {$1500.00} 3x {$500.00} cards from the {$1800.00} they sent, Most of the rest was my commission. I used my XXXX credit card to purchase and paid it off with the money they sent me. After I finished the assignment and sent them over the info, the gift card info and survey worksheet, Monday XX/XX/XXXX my bank contacted me saying I had deposited a fraud check. I I then contacted the bank to start fraud process, worked it all the way up to 3 different departments as high as I can get, they listen to the phone recording verifying the rep confirming what I said, and stated it could take up to 6 month for a check to clear some times. I they couldnt do anything about it even know I was scammed. The FBI is now involved and police, Ill see where it goes.
Consumer complaint received 2020-02-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This problem occurred because XXXX XXXX  made a withdrawal from my account totaling over 4,000 and then drafted both my saving and checking account for over {$400.00} each ( the savings was later cancelled XX/XX/XXXX by XXXX at Capital One ). CapitalOne allowed the transaction to process between XXXX XXXX  and CapitalOne on XX/XX/XXXX for a deposit which they stated was a refund for over {$4000.00} made to CapitalOne and then a transaction from both savings and checking ( Checking is  still -XXXX ). CapitalOne wanted to make me responsible for a transaction I didn't authorize or engage in AT ALL. I received a letter from CapitalOne on XX/XX/XXXX which informed me my account was below {$0.00} which prompted me to contact CapitalOne regarding my account. On XX/XX/XXXX, CapitalOne attempted to make me responsible for this unauthorized refund/ withdrawal from my account when I clearly informed them that I have never initiated this transfer of monies. CapitalOne told me to call XXXX XXXX XXXX XXXX who made the transaction. I contacted XXXX XXXX XXXX XXXX just to be told that they can not see the transaction and that I need to call XXXX the Bank directly. O contacted the bank and they informed me that they couldn't see the transaction. I contacted XXXX XXXX XXXX XXXX again to be told she can not see It either. I reached out to CapitalOne again on XX/XX/XXXX evening time and was informed by CapitalOne that they no longer want a bank relationship with me and that they are restricting the account to shut it down while the account is still negative and a fraudulent transaction still exist. Then, CapitalOne removes the overdrawn balance from the savings and leave the existing -XXXX in the checking account. CapitalOne representative, XXXX responds that I am responsible for this transaction that I never authorized again. No to mention CapitalOne left me on hold for over 1 hour.  Then CapitalOne tell me that a debit card that was on the account since XXXX wasn't suppose to be there after 11 years. I requested that they close the account as long as they can resolve the fraudulent transfer but they refused. Now, I'm still on the line trying to resolve this issue. More people were involved in this incident which includes : XXXX- XXXX  XX/XX/XXXX XXXX-XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX-XXXX-XXXX  CapitalOne XX/XX/XXXX XXXX XX/XX/XXXX @ XXXX XXXX  XXXX-CapitalOne XX/XX/XXXX XXXX XXXX  approx. 
XXXX XX/XX/XXXX @ XXXX XXXX  - File a police report
Consumer complaint received 2022-10-03
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. (GA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-04
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (NJ)

The debt had more balance than I owed and I paid them with their agreement and the account is closed now. They promised that they are going to update my information to credit bureaus and they didnt. Since they already took the money they dont care if my credit is corrected or not. I ask them to call to the credit bureaus on a conference call because all the credit bureaus say that they didnt update my information. They denied my request. I think because they didnt send out the updated information and didnt want to get caught. 
I escalated my concern and wanted to speak with the manager who suppose to send out the updated info, but they forward my call to a voicemail box. I left a message to call me but I never received it. Even I paid lot of money, they just get upset at me. I dont know why they were keep yelling at me. All I want is I wanted to call XXXX and make sure that they send out my updated information. They wont do this part and now I am stuck in this I took care of my business and still not getting anything. 
And one of the agents was harassing me like If you wanted to be done earlier, I should've paid it earlier. But I did try for 1 and a half years trying to pay this but I couldn't because the organization sent the fund to the wrong address and that is what caused the delay. Also, this is none of his business. 
I didn't yell at them, I didn't took their money or I owe them any. I paid a lot of money instead so I don't know why I get treated like I owe them any. They are just avoiding their accountability and can't even prove that they finished their work and hung up on me and yelled at me. 
Without them stepping in, I will have my collection debt forever. 
I am not sure which side is lying. But all credit bureaus said if they have updated the XXXX of XX/XX/2024, they should be able to see it now and they can remove it. But they took the money though, they won't update it or help me correct my credit. I don't understand, why is me asking for a conference call to the credit bureau makes them crazy and angry. Do they want to hide that they didn't actually update my info? Is that why they get so angry when I ask for that? 
If I were in their shoes, I would be like Yeah, let 's have a conference call because we definitely sent your updated info and we want to let you know that we are not lying. They will have to investigate anyway, let 's make things get it done sooner.
Consumer complaint received 2023-02-04
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on multiple accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$260000.00}
Consumer complaint received 2021-08-31
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. (IL)

XXXX  received information from their source, XXXX XXXX, stating they removed the bankruptcies from their XXXX XXXX report and XXXX  refuses to remove it from theirs. XXXX also stated, the obtained the information about my bankruptcies from the bankruptcy courts. I sent them the letter from the bankruptcy courts, stating, they do not verify bankruptcies. I have been sending XXXX  this information from the year 2020. I have uploaded you the documents from all sources.
Consumer complaint received 2020-02-29
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc. (CT)

Ingo Money placed a block on my account due to a check returned as cashed. The transaction, a check deposit in the amount of {$1000.00} on XX/XX/XXXX I believe, caused a block placed because I chose to cash check at a XXXX  XXXX XXXX due to a sudden emergency ... .I explained this to rep on with Ingo on XXXX.. I took check to a XXXX  XXXX XXXX, the bank it is issued from, cashed it on XX/XX/XXXX. Rep stated the account is in collections when the funds were not credited to account I used for mobile deposit on XX/XX/XXXX, which I also explained..I do not owe on this amount ... The rep tried to infer I had cashed check twice which does not make sense and is not what occurred. I left a message for a supervisor, did not get a call back
Consumer complaint received 2021-08-31
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: EQUIFAX, INC. (MI)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MN)

XX/XX/XXXX XXXX XXXX {$180.00} Fraudulent Charge Posted XXXX I Filed Dispute with XXXX - XXXX XXXX XXXX Denied My Claim XXXX I Filed Dispute with Discover - XXXX Discover Denied My Claim
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I've received notices from companies XXXX XXXX and XXXX that there were some items on my credit report impacting decisions made towards my credit worthiness. Given that I just purchased a second home ( XX/XX/2018 ) and my current score is XXXX as of XX/XX/XXXX based on the information that XXXX XXXX ( XXXX XXXX XXXX  ). On the document it says the following : Several delinquent accounts High Balances ( two home loans ) I don't have any delinquent accounts and if I did, I wouldn't be able to purchase another home. I've reached out to XXXX  before about this issue and was given the run around. This agency never provide responses that are useful or makes changes. The information that they provided is never accurate.
Consumer complaint received 2020-02-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CA)

Westlake says I made a late payment my account is frozen I cant log in to make my payment and my car was stolen. They dont listen, Im sick I have XXXX XXXX and I was scammed they sold me a lemon car theyre messing with my credit all my payments are on time they got all their money already.
Consumer complaint received 2021-08-31
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: CORELOGIC INC (FL)

I did not authorize this company to pull my credit. I have asked Credco/XXXX  XXXX and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

CREDCO/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

XXXX XXXXXXXX XXXX  {$140.00} XXXX XXXX XXXX {$170.00} this should have been covered under my insurance XXXX XXXX {$190.00} This should be removed because this should have been covered under my insurance when I was blown up in XXXX XXXXXXXX XXXX  {$1300.00} this is paid in full and is over 7 years old please remove.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX Account Name U S Dept of EDXXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX have 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2019-12-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I have been paying XXXX dollars every months since XX/XX/2018 until today for an austanding balance of XXXX a And the balance do not come down. How this criminal practice is allowed. I shouldnt be put in this position, when i am paying and trying to get this XXXX paid, but those crooks are making it difficult. I need your help please