davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (IL)

My husband passed away on XX/XX/XXXX. He had an american express business account and while trying to resolve his balance with estate services I requested his XXXX statements to be sent to me so that I could file his XXXX taxes. American Express will not send the statements. I have requested that the statements be sent twice ( ( XX/XX/XXXX and XX/XX/XXXX ) twice and they tell me each time that they can't tell me if they have been mailed since they can't see this in their system. I asked that they be sent via email then. They told me that they can't do this. I asked if this was because we have a balance that is being disputed. They told me I was not responsible for the balance left on his corporate card, but that it might help if I paid the balance off. I asked to speak to a manager about why they can't tell me if and when the statements had been mailed. They told me the manager was not available and they would leave a message. I have not heard back from anyone. I also asked if there was another department that I could speak with that could give me more information, I was told no. I think I am getting the runaround, which is awful considering that my husband was a loyal cardmember since XXXX and now they are trying to squeeze me right after his death.
Consumer complaint received 2020-03-12
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: DISCOVER BANK (CA)

Discover Card was obtained but I had no knowledge of it and the card was used for {$2000.00} in the year 2016 since then I am trying to remove that account first it was not mine second really huge impact on my credit which kept me from getting a card or renting a house
Consumer complaint received 2023-01-24
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. (CT)

Transunion did not fix credit report due to fraud. They just charged off accounts which dropped my credit XXXX points. I have sent numerous documents to the credit companies and Transunion and no one did a thing.
Consumer complaint received 2023-01-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2021-03-16
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: Capital Accounts, LLC (TX)

My consumer finance complaint ID is XXXX. 
Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response Dear XXXX XXXX, Thank you for contacting Capital Accounts , LLC via the portal regarding your account. When we received your complaint, we immediately paused collections on your account while we investigated your allegations. As a matter of courtesy, and solely in an attempt to reach resolution of your concerns, we have proactively closed this account in our system and returned it to your original creditor. You should receive no further communications from us on this matter. Additionally, we will submit a request to all three credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX to have this account deleted from your credit report. Thank you for allowing us the opportunity to respond to your concerns. Capital Accounts , LLC.
Consumer complaint received 2023-01-24
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. (OH)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 crime 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 to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (MD)

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance : {$9600.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX They are 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 or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2021-03-16
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: LoanCare, LLC (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-03-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

My mortgage company double paid my property taxes. Have been waiting for months for the second round of payments to be refunded back into my escrow account but they have not yet been refunded. During all of this, Ive also received letters from the school district saying that they havent even received their tax payment and that my taxes are now overdue.. title company has not done anything or made any efforts to fix this issue. School district is now sending me letters saying that I owe {$3600.00} to them ( originally {$3000.00} ).
Consumer complaint received 2021-03-16
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. (OH)

I have sent several letters to the credit bureau letting them know that the information on my credit report for XXXX  and Experian is reporting inaccurate information on my credit report. As a result of this information it is putting a strain getting approved for other loans and jobs and this is the only thing effecting it. XXXX XXXX  is reporting incorrect information to the credit bureaus XXXX  and Experian. Its not just inaccurate information but the two reports are saying two different things. I have told XXXX XXXX  about this and the credit bureaus. I have not ever been in foreclosure. I would like for these accounts to be deleted as XXXX  has investigated and deleted this inaccurate account. If this issue is not resolved I will begin litigation process to the fullest power. i have already contacted a lawyer and was told to try this process XXXX last time. It is the bureaus job to report 100 % accurate information and clearly they are not when comparing the reports. I ask that you follow suit and delete these accounts immediately XXXX account # is XXXX Experian account number XXXX
Consumer complaint received 2023-01-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I ordered a copy of my report in XXXX on XX/XX/23 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe was reported in error. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Our original Mortgage was with XXXX XXXX Mortgage. In XX/XX/XXXX, we learned our loan was sold to Nationstar/Mr. Cooper. We sent our XXXX payment to Nationstar. We have confirmation from our bank that Nationstar cashed the check. We have confirmation from XXXX XXXX Mortgage, they never received the XXXX payment. I have been dealing with Nationstar since XX/XX/XXXX. I have XXXX email correspondences with this company and no one seems to be able to find out where our missing payment is. We are XXXX month behind in paying our mortgage because we are fearful if we pay up, they will never locate our initial payment and we will be our {$2700.00}. What appears to have happened is they misplaced or applied our check to another account by mistake, so they applied our XXXX payment to XXXX, our XXXX payment to XXXX, Our XXXX payment to XXXX. So it looks as if we are XXXX month behind and did not pay our XXXX statement. However, if properly applied we would be up to date. They have waived all late fees since XXXX when we first started this journey, but I get calls weekly from Nationstar 's Debt Collection agency. 
In my correspondence to Mr. Cooper/Nationstar, I have asked them to flag our account for review and early on was concerned about adverse credit reporting requesting that a notation be made so that our credit would not be adversely affected. 
Since XXXX, I have received frequent automated calls from Nationstar for debt collection, and my credit file has been flagged for late payment. On XXXX occasions, once after a XXXX and XXXX hold time, I spoke with a customer service representative who tried to channel me to the missing money research department, however, the robocall for debt collection continues to harass me. We want to get out of this mortgage and move to a more reputable company, but do not want to be out of our payment. Please help! Thank you for your time with this matter!
Consumer complaint received 2023-01-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

On XX/XX/XXXX XXXX and XXXX XXXX took out a loan with Secretary of Housing in Book 3153 page 758. The deed was assigned to Bankers Trust with Book 3135 page 758 as the legal document reference number. This belongs to someone else. The Sucessor Trustee was named XXXX and XXXX on XXXX XXXX, XXXX. On XX/XX/XXXX XXXX Bank transfereed the trustee to XXXXXXXX XXXX XXXXXXXX. They still have this. Two Trustees can not hold the note to the property.
Consumer complaint received 2023-01-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I ordered a copy of my report in XXXX on XX/XX/23 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe was reported in error. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-16
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. (OH)

I have sent several letters to the credit bureau letting them know that the information on my credit report for Transunion and XXXX is reporting inaccurate information on my credit report. As a result of this information it is putting a strain getting approved for other loans and jobs and this is the only thing effecting it. XXXX XXXX  is reporting incorrect information to the credit bureaus Transunion and XXXX. Its not just inaccurate information but the two reports are saying two different things. I have told XXXX XXXX  about this and the credit bureaus. I have not ever been in foreclosure. I would like for these accounts to be deleted as XXXX  has investigated and deleted this inaccurate account. If this issue is not resolved I will begin litigation process to the fullest power. i have already contacted a lawyer and was told to try this process one last time. It is the bureaus job to report 100 % accurate information and clearly they are not when comparing the reports. I ask that you follow suit and delete these accounts immediately Transunion account # is XXXX XXXX  account number XXXX
Consumer complaint received 2024-02-24
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. (MO)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX Balance Owed : {$70000.00} DEPTEDXXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Balance : {$14.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance Owed : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$1700.00} XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2023-01-24
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. (MI)

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 u.s.c 1681. These are the name 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 15 u.s.c 1681/ section 602 A States I have the right to privacy 15 u.s.c 1681section 604 A section 2 also States a constant reporting agency can not a account without my written instructions 15 u.s.c1681/c ( a ) ( 5 ) section startes ; no consumer redorting agency may make any consumer report containing any of the following items of information any other than records of conviction of crimes which antedated the report by more than 7 years 15 u.s.c 1681s.2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person cause to believe that the information is inaccurate
Consumer complaint received 2020-03-12
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Back in XXXX of 2019 my husband disputed the balance of his XXXX credit card that I am a authorized user on due to the balance being incorrect. The company investigated and found their error and updated the balances with the credit bureaus. XXXX  and XXXX  updated the balance and still reports the card on my credit report. Transunion removed the information all together even though XXXX is still reporting the on time payments and the balances to them they are refusing to report it on my credit report. I called transunion at XXXX spoke with XXXX XXXX who stated that Transunion has an internal policy that they can not give consumers in writing that states if you are an authorized user on an account and it is disputed they remove it from your credit file. I believe this is a violation of the fait credit reporting act because if a creditor is reporting information to a credit bureau by law they are required to report it to my credit file. If that's the case I should be able to remove anything I want.
Consumer complaint received 2019-12-01
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: Experian Information Solutions Inc. (FL)

This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX  credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2023-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crossroads Systems Inc. (MO)

I have been received email from Capital Plus Financial stating that I owed a XXXX loan that I didn't received, I tried calling and email and no reply over 20 times. I check XXXX and found hundreds of other people complaining about the same thing with this company Capital Plus Financial.
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (LA)

I have unauthorised inquiries on my credit report from XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2023-01-24
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. (GA)

In accordance with the Fair Credit reporting act XXXX  account # : XXXX XXXX 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 2023-01-24
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: EQUIFAX, INC. (CA)

There's 2 inquires that where not authorized by me when i told Equifax they said its accurate how without my written consent that's illegal and i want them removed asap dating year XXXX and XXXX
Consumer complaint received 2021-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (MD)

There is an entry on my XXXX credit report detailing a collection account for Receivables Management Systems. The Original Creditor is XXXX XXXX and dated XX/XX/2016. This account has been paid in full to the Original Creditor. I have requested both XXXX  and Receivables Management Systems remove the entry, per the Fair Credit Reporting Act. I have provided both with proof to substantiate my claim.