davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stellantis Financial Services US Corp. (CO)

Due to extenuating circumstances I went on a payment plan with them in the beginning of this year. I told the rep that my hours were furloughed and I needed some help. So I was to pay one month of payment in two installments as I did not qualify for deferment and they never even mentioned anything about COVID deferment at that time. I did not think much of it. I paid half {$320.00} when I called and then I paid the other half along with the monthly payment {$970.00} on XX/XX/XXXX before their due date of XX/XX/XXXX. Since it was a Saturday I even emailed their customer service on XX/XX/XXXX stating to update their records and not report the account late. 

But what do you know they reported this account late not only for XXXX but also for XXXX as well. I disputed with the CRAs to no avail. So I sent First Investors a goodwill letter to not report it as late. They declined to update my report even when it was their oversight and so I think it is gross misrepresentation of the reporting they have furnished. And of course they don't err on the side of customer service like all the other companies yet are intent on destroying people 's credits and credibility. 
Most of the complaints online where they have mistakenly reported and ruined people 's credits their response is if we do a goodwill adjustment to you we have to do it to all. That is just ludicrous. So they would rather destroy everyone 's credit not just yours. 

Dismal customer service. If anything else could be said for this company, it is that their customer service, for all their bluster, is atrocious. I realize that it is next to impossible to place the blame squarely on the customer service representative, since their managers and supervisors are ultimately responsible for the way their staff interact with customers. Apologies does not solve problems, results and actions do. As a matter of course, I occasionally become frustrated with the service and simply depart but in this case you can't do that because you have a mortgage with them. I even emailed goodwill letters to their executives about my issues and never even received an acknowledgment that they have received my messages. That is why I said their service is left much to be desired as it falters from top down.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-03-10
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. (GA)

I received an emailed about my information being in the XXXX data breach that occurred so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2022-05-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

I have stated multiple times with Navient that I am enrolled in school and continue to get 5-6 calls and e-mails per day from them. The harassment is out of control. When I have contacted them via email, I am harassed further to communicate only by phone.
Consumer complaint received 2022-05-26
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: CITIBANK, N.A. (CA)

Our XXXX XXXX Credit Card ( XXXX ) ( XXXX ) from Citi was hacked sometime before XX/XX/2021. The hacker was able to create a FAKE Digital Account Number XXXX, and used it make 48 unauthorized transactions ( XXXX XXXX XXXX XXXX ), totaling {$3500.00}, with post date between XX/XX/2021 and XX/XX/2021, before locked out by Citi. I alerted Citi of the frauds by phone on 3 different occasions XXXX XXXX XXXX ). In response, they issued us 3 new credit cards ( XXXX, XXXX, XXXX ). Because of all the ongoing problems/disputes, we did not activate any of the new cards, and requested Citi to lock all 4 XXXX  until things get resolved. They issued security credits on15 fraudulent transactions but payed us back only on 12 of them ( XXXX XXXX XXXX  XXXX ). The last time we received an update notice from Citi on " We're looking into the transaction ( s ) you disputed '' was from XX/XX/XXXX. 2021 ( XXXX XXXX ). Nothing has happened so far yet!
Consumer complaint received 2022-12-19
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. (CA)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$3800.00} ; US DEPT ED XXXX Balance : {$3200.00} ; US DEPT ED XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$0.00} ; USDOE/XXXX XXXX Balance : {$0.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$3200.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have some Inquiries on my report in which I did not authorize. I see inquiry where someone try getting credit three times from XXXX XXXX, one month after each other. I have never applied for XXXX XXXX simultaneously. Someone illegally, applied for these companies attached without my authorization. I never applied for XXXX either that is reporting as an inquiry on my report in 2016.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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.

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 inructions 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-05-26
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. (MI)

In accordance with the Fair Credit Reporting act 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 2022-05-26
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. (MI)

In accordance with the Fair Credit Reporting act 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 2019-11-25
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: Synovus Bank (MA)

FSTPROGRESS XXXX Charge-off This is inaccurate reporting because of the reported dates that is not consistent with the bureaus. Also there is only one bureau that reports the payment history. Please remove this.
Consumer complaint received 2022-05-26
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. (MD)

I have 1 unauthorized inquiry and 3 accounts with wrong dates of last activity and 1 account not mine and 1 account to validate and my name is wrong it needs to be deleted and 4 previous employers that are not correct and need to be deleted and 2 previous addresses that are not correct and need to be deleted
Consumer complaint received 2022-05-26
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 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-11-25
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. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-05-26
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. (PA)

Improper use of credit information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

I have filed a complaint with LoanCare Services twice already. It was closed stating they answered my concerns, no they did not. I am not the only one that is having issues with this mortgage company, I am just not able to fight them in court and they know it. They said they stated in my letter we take allegations seriously, but did nothing, nothing about anything. It states that LoanCare does not do anything unethical but yet they didn't even look into the case or the complaints or phone calls that I made to this company. I did this mortgage in my name only once I got divorced and for years was able to do whatever I needed too when it came to making decisions. I was informed that my ex was off my mortgage and he was, then LoanCare comes in looked at the original documents from XX/XX/2006 and poof he is back on the mortgage. No matter how many times myself or my ex-husband called the run around we got was horrible. We did get one person that was helping us once we had a lawyer call and was involved but then that person was not in the department any longer and we were back to square one. Since this was an issue for 2 years and payments were an issue we had to put the house for sale to get out from under this whole mess. That would not of happen if we had help from this company. You know what I got after I placed a complaint while I was in the process of selling my home a re modification notification, that was to cover their butts. In the letter they said they sent that I never received that I found on this site, they informed it was not in foreclosure and it was a part of a bankruptcy and debt not reaffirmed. It has been on both of our credit reports. I don't know how this company gets away with the way it does business. 

What did it do with the allegations? Did they even look into it? I say no they did not. 

I also over paid on the sale of my home by {$2000.00} and never received that when I called the mortgage company to see what happen they said I wasn't due anything. I pressed further and well look at that I am due money because it was sent out in XXXX which I never received. I know this doesn't seem like a lot of money to some but its a lot to me. This company has the worst customer service. You get the run around unless you know what you need to say, but for people that may not they would just hang up.
Consumer complaint received 2022-05-26
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States that I have a 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 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (LA)

I have been trying to dilute a bankruptcy on my report from Experian. The reporting agency Experian has used to verify the bankruptcy is XXXX XXXX. My XXXX file has been frozen since XXXX XXXX, 2016. Experian keeps claiming they are verifying information on my credit report and that the source of verification is XXXX XXXX. How is this information accurate if my XXXX XXXX is frozen. Attached is a documentation of my XXXX XXXX consumer being frozen. Experian is not in compliance with the FCRA, XXXX and CFPB
Consumer complaint received 2022-05-26
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States that I have a 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 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2018-01-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In XXXX, I was laid off from my employer, and after that I developed XXXX XXXX in XXXX. Unfortunately, I was only collecting unemployment, only {$1800.00}, which was a third of my original salary. I was not able to qua! ify for any XXXX assistance. So I got behind in my mortgage payments. So I worked with Select Portfolio directly, to process a mortgage modification with an attorney named XXXX XXXX, because after I tried to do myself, they kept stating that my package was incomplete, missing documents I sent, resent, faxed and emailed directly. Each time, they state that the modification was denied due to incomplete submittal. I went through this process 12 times, re submitting and getting the same excuse for denial. Finally, my attorney says he can not help me. So that 's when I hired another legal advisor, XXXX XXXX. I worked several years on a work out option, I even tried to pay the past due amount to re instate my mortgage. They refused me to make any payments, and will not accept any at this time. Even when I went back to work, they still denied a loan modification. All in all, it was a terrible experience, I was offered to try to modify, and 12 times, they lied, and misplaced my documents, and very rude people to deal with.
Consumer complaint received 2017-07-12
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. (TX)

I have several inquiries on my report from  XXXX   XXXX   XXXX    XXXX   and from  XXXX   XXXX . I contacted  XXXX   XXXX    XXXX   @  XXXX  and spoke with  XXXX  employee #  XXXX  and he was unable to find any applications for me, and he even checked the archives. I contacted  XXXX   XXXX  and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries :  XXXX   Inquiry  :   XX/XX/XXXX     XXXX   Inquiry :   XX/XX/XXXX    XX/XX/XXXX  Inquiry :   XX/XX/XXXX     XXXX   Inquiry :   XX/XX/XXXX    XXXX  Inquiry :  XX/XX/XXXX    XXXX  Inquiry :  XX/XX/XXXX    XXXX   XXXX    XXXX   Inquiry :   XX/XX/XXXX  ,   XX/XX/XXXX  ,   XX/XX/XXXX  ,   XX/XX/XXXX  , XX/XX/XXXX ,   XX/XX/XXXX  . Please remove all of these inquiries because they do not belong to me, and were not authorized by me.
Consumer complaint received 2022-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I was looking for a business loan so I filled out application. Once the application was filled, I started getting call from different lenders. So I received a call from this XXXX XXXX, who was calm and not pushy. This made me so comfortable that I did not think otherwise of his talks. 

He mentioned because I did not have an established good credit, I will have to secure the loan with a security bond, which is going to cost me like {$6000.00} and some change. I asked for documentation from the security bond but was told they will only provide that once money is paid. 

So to initiate the transaction, they will credit my business account with XXXX and will debit 3 times. On the XXXX  day, I will wire the balance plus the cost of the security bond. The XXXX was credited into my business account on the XXXX. The debits was taken out of my account on the XXXX, XXXX and XXXX. and as agreed, on the XXXX of XXXX I wired ( {$9400.00} ) the balance of the XXXX plus the XXXX and some change. Once the money was wired on the XXXX, he stopped picking his calls, his emails started coming back undelivered. It was when it dawned on me that I have been scammed. To my surprise, on the XXXX and XXXX, they continued to withdraw from my account. which I have reported to my bank. on the XXXX of XXXX to recall the wire and also disputed other charges. 


As of today, XX/XX/2022, 53rd bank has not updated me as regarding the status of this recall. I have made several attempt to call them to no avail. Every time I call, they said the other bank has not replied to them. They give me same excuse everyday up until today. This is why i am reporting that 53rd is not doing enough to help me get my money back from XXXX bank.