davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX  : XXXX  Mortgage XX/XX/20 & XX/XX/20 TransUnion : XXXX Mortgage XXXX & XX/XX/20 XXXX  : XXXX  Mortgage XX/XX/20.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2020-11-08
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)

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-28
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. (MI)

I mailed a Multip le Inquiry Removal Letter  on  XXXX   XXXX  by certified mail in order to dispute information in regards to  XXXX  hard inquiries that were being reported on my credit report. They received the letter  XXXX   XXXX ,   XXXX   and they completed the request on  XXXX   XXXX . The request that I submitted included  XXXX  hard inquiries that were not factual and I receieved the same response for all inquiries which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. ''  According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigated and if you do not investigate and respond, the CRA must delete the dis putes information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc. (MD)

APROXIMATELY XX/XX/2023, I WAS OFFERED A PAYMENT PLAN VIA CUSTOMER SERVICE ON THE PHONE. PAYMENT STARTED ON THE XXXX AND CONTINUED ON FOR THE NEXT XXXX  MONTHS. THE FIRST PAYMENT WAS AROUND {$76.00}, I XXXX AN INITIAL PAYMENT OF {$100.00} ON XX/XX/2023, WITH MY BANK CARD VIA ONLINE CUSTOMER SERVICE.THE PAYMENT DID NOT PROCESS UNTIL THE NEXT DAY AND THE PAYMENT PLAN WAS CANCELLED. I HAVE CALLED AVANT SEVERAL TIMES OVER THE PAST XXXX  MONTHS AND NOTHING HAS BEEN DONE. THEY HAVE ESCALATED THE SITUTION OVER 3 TIMES AND ULTIMATELY, THEY ENDED UP CLOSING THE TICKET EACH TIME, GIVING ME EXCUSE AFTER EXCUSE. THE REASON GIVEN THAT THE PAYMENT PLAN WAS CANCELLED WAS DUE TO THE DIFFERENT TIME ZONES, BUT THE CUSTOMER SERVICE XXXX HAVE KNEW THIS, AND SHOULD HAVE SET THE ARRANGEMENT FOR THE FOLLOWING DAY.
Consumer complaint received 2022-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (OH)

I was struggling with my finances and applied for a XXXX  XXXX bankruptcy in XXXX. I have not missed any payments toward that repayment, and it will be completed at this schedule in XXXX of XXXX. As soon as that was filed and I started making the payments on the biweekly schedule, I started having issues. They continue to tack on additional fees and out of left field started to pay my Homeowners insurance. They have not added an escrow/impound account to my payment, which would make sense if they were intending to pay on a continuing basis. So they pay with no reserve and set me up on a payment schedule outside of the bankruptcy, claiming that this is part of the original contract. When I make payments on that schedule, they apply funds to the principal balance or fees, and will not reapply them. This has been done over the phone with explicit instructions to apply to the homeowners insurance. After making payments on this ridiculous plan, they claim that I have not paid and start to threaten me with foreclosure. I then have to come up with the funds AGAIN and pay up. This leaves me short on other expenses, including utilities and groceries. I have also had to neglect my vehicle, which is in need of repair and also being paid through the XXXX  XXXX, and currently is not running. This year, the incident is happening just in time for the holidays. I have had to cancel all of of my plans to get this dealt with. Just today, I called and asked to speak with a manager. I was told there was no manager to speak with. They are abusive and predatory, and denying service for which I paying. This is unacceptable.
Consumer complaint received 2020-11-08
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: EQUIFAX, INC. (FL)

The original complaint filed against XXXX XXXX and XXXX XXXX Solutions COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Debt collection ISSUE Written notification about debt XXXX XXXX and XXXX XXXX XXXX as of XX/XX/2020 has not allowed me to validated or verify the debt they claim I owed and stated to the CFPB all collection will cease until it has been, as of XX/XX/2020 this has not happened. This debt was disputed with equifax and it still being reported by them as a collection debt when all collection has been ceased ... 
The Fair Credit Reporting Act ( FCRA ) gives Americans the right to an accurate and complete credit report. This information I have found to be, incomplete, or inaccurate information on my credit report, I am and have disputed it with the original creditor and the credit agency listed above and demanding it to be removed ASAP copy of the original creditor response to the CFPB is enclosed and of record ... 

According to the FCRA, inaccurate, incomplete, or unverifiable information must be removed. 


EQUIFAX reported by emails around XX/XX/2020 and reported The Results Of Our Reinvestigation Collection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) >>> We have researched the collection account. Account # - XXXX The results are : We have verified that this item has been reported correctly. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE *ADDITIONAL INFORMATION. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX CREDIT FILE : XX/XX/2020 Confirmation # XXXX
Consumer complaint received 2023-03-14
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SANTANDER HOLDINGS USA, INC. (CA)

I have had car loan with Chrysler Capital since XXXX. As stated on their policy of reporting to the bureau 's every 30 days/end of month, my current active car loan is not reflecting 5 years or payments, or to exist at all. It was actually purposely removed from Chrysler Capital themselves as XXXX let me know reflected on their end. Removed XX/XX/XXXX, not show closed or every owned by myself. 

I first contacted them regarding this XXXX of XXXX when I noticed my car had been removed for my credit report, although prior it has always reflected. I was directed to the credit department who said they would send it into the bureau 's again and follow up with me. I did not receive a call back. 

I reached out again XXXX of XXXX as I still did not see my car reflect on my credit report. I let them know that no one had followed up with me. I was then told another report was put in and someone would follow up with me. No one did. 

I called again XXXX of XXXX and inquired about my car not still not reflecting on my credit report although I was still actively making payments and had been for the past five years. A gentleman said he would submit it to the credit bureau 's for a 3rd time as he was not understanding why it was not reflecting and that he would personally follow up with me that day. 

Later on that same day I received a call from this same gentleman letting me know that his supervisor said they could not send it to the bureaus until my 12 day late payment was made. I informed him I was not comfortable continuing to give money to a car that no longer existed on my credit and was almost paid off. 

In XXXX of XXXX I had {$16000.00} left on my loan. I made an XXXX payment. Since then, I have made my monthly payments and now as of XX/XX/XXXX have a {$5000.00} remainder on my loan. 

I then reached out to all the bureaus to seek more information And was told that chrysler capital in fact removed my car in XXXX of XXXX. They escalated this and also reached out to Chrysler and directed me too. As of today Chrysler has stated they will follow up with me and have given no reason as to why my car was removed and is not reflecting. 

I was directed to ask for a summary of payments for the last 5 years which I did receive showing that my loan is still active. I'm still making payments and I have been although. It no history is showing on my credit and chrysler is providing no assistance although they're policy is that they report every 30 days.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} 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 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I've filed a dispute on several occasions with all three credit bureaus regarding my loan being paid in full over the last 2 months and my credit report still has not been corrected. XXXX is the loan servicer and it needs to be reported to all 3 credit bureaus immediately and this issued resolved as soon as possible.
Consumer complaint received 2020-11-08
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)

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Dear [ Credit Reporting Agency ], I hope this email finds you well. I am writing to bring to your attention some unauthorized inquiries that I have discovered upon reviewing my credit report. After contacting the respective creditors, it became evident that they have no evidence or proof of my initiation of these inquiries, nor do they possess any written authorization from me. Furthermore, they have failed to provide any permissible purpose for these inquiries.

In light of the aforementioned circumstances, I kindly request that you immediately delete these unauthorized inquiries from my credit report. As per Section 604 of the Fair Credit Reporting Act, specifically 15 U.S. Code 1681b, consumer reporting agencies are only permitted to furnish consumer reports under specific circumstances, one being when a legitimate business need for the information exists in connection with a business transaction initiated by the consumer.

Additionally, as outlined in 15 U.S. Code 1681i, Paragraph ( 5 ), in case of inaccurate or unverifiable information, the consumer reporting agency is obliged to promptly delete such information following a reinvestigation. Given that the inquiries in question are unauthorized and can not be verified, I kindly request their immediate removal from my credit report.

The unauthorized inquiries are as follows : 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 XXXXXX/XX/XXXX I appreciate your prompt attention to this matter and I kindly request that you keep me updated regarding the progress of resolving this issue. Please do not hesitate to reach out to me if any further information or clarification is required.
Consumer complaint received 2022-07-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST CITIZENS BANCSHARES, INC. (TX)

This company continues to call about an alleged debt I owe to XXXX. At first it was XXXX  XXXX XXXX. They keep saying I will be served at work and home but also claim to have sent a settlement letter to me for the debt. I asked them not to call before and a lady said no. The legal company told me their name was XXXX XXXX XXXX, and the man I spoke to, XXXX was a lawyer. They threatened to have my wages garnished and bank accounts closed, if I didnt respond.
Consumer complaint received 2019-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KS)

On XX/XX/2019, I learned that my last 3 student loan payments dated XX/XX/2019 ( came out of my bank account XX/XX/2019 ), XX/XX/2019 ( came out of my account XX/XX/2019 ), and XX/XX/2019 ( came out of my account XX/XX/2019 ) had been misapplied. 

On those 3 dates, I paid {$130.00}. However, when I looked at the Recent Payments section of the Navient website, I saw payment amounts of {$110.00} for those 3 dates instead of the {$130.00} that came from my bank accounts 3 times.

I called Navient to explore this. The woman I talked to ( XXXX ) explained that Loans 1 and 2 are consolidated and that payments are applied to both loans. I told her I understand, but upon review of my file the payments that were applied to Loan 2 in the amounts of {$15.00} were all reversed, so {$0.00} was applied to Loan 2 for the 3 payments I made. XXXX continued to explain that payments I make are applied to both loans and I continued to explain that {$0.00} was applied to Loan 2 the last 3 payments due to the reversal of how my payments were first applied. 

As a result of the reversal, the weekly {$15.00} I wanted applied to Loan 2 was applied to Loan 1 instead. 100 % of the {$15.00} they took away from my payment toward Loan 2 went to the principal on Loan 1. 

Per Navient 's website, payments are typically allocated to interest first. Their reversal of how my payment was applied goes against this. As a result of this reversal, there is now unpaid interest on Loan 2 in the amount of {$56.00}. It would not be this much if they had applied my payments without the reversal that XXXX said took place on XX/XX/2019. This was when XXXX said she would submit something to reverse the reversal. 

I asked if they would correct this mistake, just for clarification that my payments would be applied correctly. She said yes and gave me an estimated time frame of by XX/XX/XXXX.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2023-06-13
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-01
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX act # XXXX, XXXX XXXX XXXX act # XXXX, XXXX XXXX # XXXX, XXXX XXXX act # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX Act # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, US bankruptcy XXXX Act # 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