davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (MD)

The Company is Equifax, XXXX XXXX XXXX, XXXX, GA XXXX In the memorandum from my creditor regarding their credit decision pertaining to me, they enclosed information from my credit report provided to them by Equifax. The document makes reference to code XXXX SERIOUS DELINQUENCY. This code is shown in the area stating 'Key factors that adversely affect your credit score '. 

In reality, there are 0 delinquencies on my credit report. No late payments, no collections, bankruptcies or judgments. I'm very concerned that I'm scored based on inaccuracies. 

I have called multiple times to complain and dispute this since I noticed it in XXXX & XXXX. I was told to use the online dispute center. Unfortunately, the Equifax dispute center is selection oriented. The section that this falls in is not an option to select on the web form. Accordingly, I am not able to dispute this issue in writing. 

During the pandemic, it took hours on the phone to reach someone, so unfortunately I gave up. I am coming to you for help. I believed the automated system is scoring me incorrectly and creditors are filtering me out based on said automated score and never looking at the actual report showing 100 % on-time payments on all accounts. 

I hope that you are able to assist me with correcting his error with Equifax. 

Thank you!
Consumer complaint received 2023-02-18
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: EQUIFAX, INC. (NJ)

On XX/XX/2022 I sent a letter to the courthouse asking do they report bankruptcies to any credit bureaus and I got a letter from XXXX XXXX job title XXXX  XXXX Bankruptcy XXXX XXXX of New Jersey, city of XXXX NJ. Stating " the courts do not report any bankruptcies to any reporting agencies. If this is the case. How did the credit bureaus verify my bankruptcy as XXXX % accurate? They never did a fair investigation according to the 15 USC1681 15 USC1681 section 503 ( 3 ) ( E ) states ; The term '' investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They also violated my rights numerous times The credit bureaus violated my given rights under 15 USC 1681 According to:15 U.S.C. 1681 section 602 A. States, I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (FL)

I financed a white XXXX XXXX XXXX XXXX in XX/XX/XXXX with a 26.87 % ( APR ) interest rate per year with Westlake Financial Services Bank. The price of the truck was XXXX. I gave XXXX cash and trade in a vehicle XXXX more for a total of {$5000.00} down payment. It was financed for XXXX making 48 payments of {$520.00} My finance charge of APR was {$9900.00} So far I have paid 45 payments for a total of {$23000.00} and 3 remaining payments due in XX/XX/XXXX for a total of {$1500.00} which will be the full amount paid thats in the contract which is XXXX that reads in the contract. For my surprise I called the bank to request a payoff and they told me it was {$3600.00}. I asked them why that amount if I only owed {$1500.00}. They said because wether you pay on time or not they have an extra charge of interest per day for the duration of the loan extra ( I already had paid {$9900.00}. Why another interest extra charge ). With that said, then, what I have in my contract is not true. I will end up paying approximately {$27000.00} instead of {$25000.00} and that is not what my contract reads. In the past 3 days I have been calling them, have spoken to more than 8 agents and until today no one can explain to me where is that extra charge coming from or where does it explain this in my contract. They told me if after I make my last payment in XXXX and meeting the amount completely financed in the contract, I dont pay that extra interest charge they will repo my truck. 
I went into XXXX looking for reviews of Westlake Financial Services and the majority of the consumers just like me were complaining of the same problem. Tons of very bad terrible reviews. 
Therefore, this is why I am requesting to please consider my complaint and help me find out if what they are charging me is legal or not. 
Thank you in advanced, I will greatly appreciate any information that will help me clear/solve this matter.
Consumer complaint received 2020-08-06
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. (MN)

XXXX & Equifax have failed to accurately report the following information after disputing. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Credit limit : {$1400.00} ( This account is reporting as closed, this account is NOT closed ) XXXX XXXX XXXX Opened : XX/XX/XXXX Credit limit : {$300.00} ( This account is reporting as closed, this account is NOT closed ) These accounts are active/open. 
Due to these errors I have been unable to obtain certain account. I requesting these accounts be updated immediately.
Consumer complaint received 2022-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (WA)

I consolidated my XXXX loan to be able to have a XXXX loan and apply for loan forgiveness. The original loan was never removed and now they are saying I have two loans and there are two loans on my credit report. I only have one. I have explained to all parties involved that I should only have the one loan but someone has made an error and it is showing I have two and they are believing their computer screens instead of me.
Consumer complaint received 2020-08-06
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. (MN)

Transunion & XXXX have failed to accurately report the following information after disputing. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Credit limit : {$1400.00} ( This account is reporting as closed, this account is NOT closed ) XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Credit limit : {$300.00} ( This account is reporting as closed, this account is NOT closed ) These accounts are active/open. 
Due to these errors I have been unable to obtain certain account. I requesting these accounts be updated immediately.
Consumer complaint received 2020-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Specialized Loan Servicing Holdings LLC (OH)

I have recently refinanced. 

New lender ( XXXX XXXX ) sent payment to old lender ( Specialized Loan Servicing ) thru title company ( XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX in the amount of $ XXXX Old lender claims they haven't received money to date Title company has shown proof of payment thru fed ref number and claims money is pulled out of their account. They also claim new lender 's bank has the money. 

I am liable now for both loans.I have discussed with all parties and all parties are standing by with their claims. 

What should I do and how can I resolve this issue.
Consumer complaint received 2022-11-04
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. (NY)

This is my NUMEROUS 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially, and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX Date Opened XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2022-09-25
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)

In accordance with the fair credit reporting act account XXXX has violated my rights.. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT OF PRIVACY..

15 U.S.C 1681 SECTION 604 A SECTION 2 ITS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-06
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: Convergent Resources, Inc. (OH)

I have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX OHIO ), XXXX XXXX XXXX ( Original Creditor : XXXX ), CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX OHIO ),  XXXX XXXX XXXX ( Original Creditor : XXXX ), CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-06
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: Experian Information Solutions Inc. (GA)

I checked my credit and seen that an account is on my credit so I did a dispute to all three credit agencies and two of them remove the item off after they did an investigation except experian
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My credit card has a limit of {$5500.00} and I reached that limit on XX/XX/2022. However, Bank of America continued to approve transactions on that card allowing the credit balance to exceed {$8000.00} up until XX/XX/2022 when I called and asked them to stop. When I called to ask, they informed me that I was required to make a phone call in order to opt out of allowing my balance to go past the credit limit. They also told me that the only way to know what I needed to opt out of was for them to mail me a book with those rules. 

The overall problem is Bank of America never informed me that my credit card could spend past the limit and that if I don't want that to happen, I have to verbally inform them and wait up to 30 days.
Consumer complaint received 2020-08-06
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. (AR)

In the year of XXXX, I started a job at XXXX XXXX XXXX, after being there for 4 years there was a layoff in XXXX of XXXX, because of workforce reduction for about a week. After going back after a week I had a new SSN number in all credit bureaus, which was my daughter 's SSN in XXXX, XXXX, and Transunion.I reported this to XXXX XXXX XXXX Corporate office in XXXX New York at the time. After years of continue to work for XXXX XXXX XXXXXXXX  and trying to fix this disaster someone created for me was too hard for me to continue my employment with XXXX XXXX XXXX, so I left on XX/XX/XXXX, because of mishandling of my SSN and my daughter 's SSN was very hard for me to continue my employment with XXXX XXXX XXXX. With the three credit bureaus creating a hostile environment for me and my livelihood was total chaos. The bottom line is that Transunion, XXXX, and XXXX  does not want to accept the responsibility for what has occurred 19 years ago, which they all should be held accountable for this matter. Yes, my information was part of XXXX  Data Breach in XXXX, so was both of my daughters ' information as well. After 19 years of fighting for my identity and my daughter 's identity, and fraudulent taxes on her and I both, plus someone went to XXXX XXXX XXXX XXXX and changed the last 4 digits of her SSN and my SSN numbers on their website under my score this is where my daughter and I both do our taxes every year. My complaint is about all credit bureaus especially Transunion claiming they had no part in it which Transunion did play a significant part in creating this hostile environment for me. The reason I am also filing this complaint is that all of this has come back to haunt me for their mishap in creating a new identity with my daughter 's SSN. Transunion wants to dismiss themselves but I think they need to own up to their responsibilities for creating this hostile environment for me and my livelihood. The reason for the complaints is that I have been living in fear for 19 years which creating all of this chaos has carried me to different levels of my life to the extent that no one wanted to confront this situation at all no attorney or any other legal representation I have never used my daughter 's SSN, it is just attached somehow to my name where it is creating a lot of problems, for the past 19 years I have problems from job applications to credit and until this day it is still haunting my daughter and I.XXXX  has produced a credit report that can not be erase or that I am deceased and was born in the year of XX/XX/XXXX, which all the information is with the XXXX  Administrator in the data breach that was occurred in XXXX, where both of my daughter 's and I were affected in this matter.
Consumer complaint received 2020-08-06
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 had a collection account with XXXX I settled it and it wasnt updated I disputed the information and XXXX  said the debt was verified. And I submitted the letter I received showing it was settled.
Consumer complaint received 2020-08-06
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. (FL)

I recently sent letters over 45 days ago to these bureaus and they are disregarding a regular consumer disputes. I am stressed and have been sending letters before this and still no response.
Consumer complaint received 2020-08-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (TN)

I am being sued for {$2500.00} from XXXX XXXX XXXX for an account from the Original creditor : SYNCHRONY BANK .I have recieved no phone calls about this account and i have changed addresses so i have not recieved any mail about this account.The first i heard about it was when i was served a court summons. I am living on XXXX payments and have no other source of income.I do not own a house or property and have no savings so there no way i can pay this.Now they sent me a court summons to appear in court on XX/XX/2020.
Consumer complaint received 2022-09-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

We built our house in XXXX, and we put {$7000.00} down payment. My husband name was put on the mortgage and both names put on deed. This allow him to qualify for the first time home buyer. I purchase a townhouse when I was XXXX in XXXX and stayed there until XXXX. I refinance my townhouse and got {$20000.00} to furnish our new home. We receive a letter in and around XXXX from BOA stating we were behind in our mortgage and we had not made a payment in 2 1/2 years. This was a mistake we hadn't miss a payment. 
My husband was a engineer on the Railroad bringing home {$5000.00} every two weeks. I thought it was a honest mistake and it would be corrected without a problem. This turn into a 10 year nightmare. The only thing that change in our life was lawsuit against XXXX XXXX. This was retaliation against me. A XXXX XXXX XXXX XXXX XXXX sent from Corporate was made Store Manager. Her first target was me. She walked in my office the first thing she said was do you work in bookkeeping and computer room. I said excuse me. My name is XXXX and I work in computer room. Then she said all of that is about to change. I said excuse me can you tell me what the changes are, so I can decide what I'm going to do. She then got mad and went into Human Resource Office and said I had attitude problem. That's when our life changed. She started firing older XXXX and replacing them with XXXX. I file charge with XXXX and 8 or more people did the same. XXXX refuse to do a Class Action. I hired attorney did deposition. The only thing there lawyers want to know each one of my family member 's name, age, and where they work. My husband was included and he was a target. I request payment history. The documents was altered. It was ridicule. We went to Hud for help they said they couldn't do anything been 24 months behind. I went to XXXX and BOA said that was a 3rd party and they don't work with 3rd party because there name was not on the loan. We tried getting in the program where the government would pay 2 years of mortgage payment. Since we supposedly was 2 years without making payment we couldn't get in that program. We were " XXXX XXXX  '' you can put my name in computer and I come up on a watch list. This loan had 5 loan no. and 4 FHA no. and Hud refuse to do audit. This is there department. You would think they would want to investigate the FRAUD in there on dept. Just like when I made that complaint about XXXX putting my house in Foreclosure which was retaliation. ( My husband XXXX XXXX XXXX give me permission to speak on his behalf. His name is on mortgage and XXXX XXXX and XXXX XXXX XXXX is on the Deed. We are not signing any documents that BOA give us to sign. Due to the Fact we don't Trust anything they do or say )
Consumer complaint received 2020-08-06
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. (GA)

I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

They are not incompliance and I want this issue resolved asap.