davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

From : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX AR, XXXX To Equifax Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

1. " DELETE XXXX XXXX  XXXX '' because it is reporting a different Balance Updated date for XXXX  on ( XX/XX/2019 ). However they are reporting ( XX/XX/2019 ) in the Balance Updated section on XXXX. These dates are inconsistent. Dont you get your information from the same company? Delete This Violation Immediately! 
2.DELETE XXXX XXXX  XXXX XXXX because it is reporting a different Balance Updated date on XXXX ( XX/XX/2019 ). However they are reporting ( XX/XX/2019 ) in the Balance Updated section on XXXX. These dates are inconsistent. Dont you get your information from the same company? Delete This Violation Immediately! 

Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Included is My Equifax Letter with screen shot of inaccuracies and a copy of my State Id, Social Security Card, Utility Bill, and Least Agreement. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR , XXXX
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

After logging on XX/XX/2021 and using current user name and establishing new Password and new secret question, I returned to Trans Union Web Site to log on the very next day to check other information and FICO Score, I was unable to log on and access Trans Union website due to Trans Union XXXX XXXX " Changed my secret question, Blocked my Password and Blocked log on assistance.
Consumer complaint received 2023-07-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Giggle Finance Inc. (OK)

On Wednesday XX/XX/XXXX I Was Contacted Through Text Message For XXXX Hours By Someone Unnamed Who Was Hassling Me For Money. I Was Then Threatened By Them Stating Attorneys And Lawyers Will Reach Out XXXX Me Tomorrow For {$1500.00} If I Didnt Pay {$68.00}. I Stated I Didnt Get Paid Till XXXX And They Said I Had Till XXXX Or The Collections Department Will Get The Notice. I Then Tried To Pay On The Website Around XXXX Because My Check Was Late And I Was Told The Collections Department Will Contact Me Tomorrow. I Proceeded To Pay And The Website Was So Insecure I Clicked Pay Now And It Processed XXXX Payments Instead Of XXXX. After That Payment I Turned Off My Card And Active Bank Account Off And Deactivated Them At XXXX. On XX/XX/XXXX At XXXX And XXXX I Was Contacted Stating The Payment Can not Be Processed Even Though I Paid For This Week And Turned Off The Card.
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (OH)

Between XX/XX/XXXX and XX/XX/XXXX, my FICO, XXXX, XXXX and XXXX  credit reports show that we were 60-89 days late on our mortgage with Ocwen. We were 30-59 days late during these times, but we were not 60-89 days late. 
Between XX/XX/XXXX and XX/XX/XXXX, Ocwen was erroneously keeping my payments in suspense, and was not applying my payments to the past due balance. This error caused my mortgage to be reported as 60-89 days delinquent. If Ocwen had applied these funds to my past due balance, as the company is obligated to do under my contract, my account would not have fallen 60-89 days behind. 
I filed a complaint with the CFPB regarding the payments held in suspense. After I filed the CFPB complaint, the issue was quickly resolved, and the payments held in suspense were applied to my past due balance. However, the error with my credit reports ( the report that we were 60-89 days late on our mortgage ) was never corrected. 
After I filed the complaint with the CFPB, I spoke with a supervisor at Ocwen. She said that the payments were being held in suspense by error ( that it was Ocwen 's error ). She said that she was not sure why this error occurred and she promised me that the issue would be resolved quickly. 
I contacted Ocwen regarding the error with my credit reports, but they have refused to correct the error regarding my delinquency.
Consumer complaint received 2021-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA ()

My name is XXXX XXXX, and I've been having trouble getting AES student loans to disclose basic loan information to me. I'm currently enrolled in an IBR program. 

I've written to AES several times to request information about when my loan will be eligible for forgiveness. After several emails requesting specifics regarding the date on which my loan will be eligible for forgiveness, I received the following response on XX/XX/2021, in which I was advised that " We are unable to provide the number of qualifying payments you have made or need to make to achieve loan forgiveness through this program. '' And that " We will notify you no later than 6 months prior to the anticipated loan forgiveness date when possible. '' To make this even worse, I received this response after reporting AES to the Department of Education for the refusal to disclose legally mandated loan information to me. 

This simply does not work for me, and quite frankly, I'm appalled that AES is intentionally refusing to provide me with basic information about my loan information it is required to give me by law. I'm stunned that AES actually thinks that telling a borrower to just go away and keep paying on a loan while actively withholding information about that loan is nothing short of XXXX. Quite frankly, it's outright illegal. I have no idea why I should be expected to continue paying a loan when essentially, AES is refusing to let me know when the terms of that loan will be satisfied or how many qualifying payments I have already made. Is AES seriously suggesting that I should simply trust them to tell me when I no longer need to make payments on the loan. Because of AES 's refusal to disclose this information, I have no way to review payment history or check it for errors which is a basic element of consumer protection rights and an absolute must given all of the known issues with AES.
Consumer complaint received 2023-04-07
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. (TX)

investigation i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their.
Consumer complaint received 2022-01-08
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. (AL)

I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY PROFILE. SOMEOE HAS STOLEN MY INFORMATION AND OPENED SEVERAL ACCOUNTS WITHOUT MY KNOWLEDGE.
Consumer complaint received 2021-01-27
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. (AL)

I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX  XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX {$480.00} XXXX {$590.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX {$5600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX {$620.00} XXXX {$1700.00}
Consumer complaint received 2022-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau (IL)

On XX/XX/2022, Medical business bureau added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Medical business bureau has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2018-03-10
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. (TN)

XXXX XXXX XXXX XXXX all accounts were last paid in XX/XX/XXXX. Shown on my credit report as XX/XX/XXXX but 2 of the 3 accounts are still on my report. All 3 should have been removed as they are more then 7 yrs old like XXXX and XXXX has removed them. XXXX XXXX XXXX needs to be removed as its not mine. When I tried to contact that company for more information, I received the letter back by the USPS as unable to deliver or forward on XX/XX/XXXX. So I would like to know how Equifax was able to verify it. XXXX XXXX XXXX has never responded to me.
Consumer complaint received 2018-03-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

My loan was recently transferred to a new mortgage lender known as Carrington Mortgage. Ever since this transfer Carrington Mortgage has been receiving my regular monthly mortgage payments and has refused to apply the additional funds sent with these mortgage payments to my escrow account. I have sent multiple requests made multiple phone calls and yet the company refuses to apply the funds accurately and correctly. Diring this month alone I currently have {$310.00} sitting in a suspended in a account in which I am unable to have moved over to my escrow account. My payment is due on the XXXX of each month but I have until the XXXX to complete the full payment for the current month. Upon making these requests I had to had to reach out several times to make numerous complaints about these additional funds I sent not being moved to my escrow account. I advised my current lender that I am not late on my mortgage payment and therefore have the right to have the funds in which were submitted to them, applied accurately and correctly. This is been an ongoing battle with our to my mortgage account. I was provided misleading and inaccurate information multiplte time and I believe this company is violating my rights underneath the Real Estate Practices Act.  In addition to the mismanaged of funds, when I asked for a comprehensive breakdown of my payments ; a detailed loan history as to where my funds were being applied and where they were being held, along with what my regular monthly mortgage payment was I kept getting misleading and inaccurate information Everytime. I've complained to Carrington Mortgage that my current mortgage statements are not matching the application of my payment throughout the online portal in which they provide as the payment history is showing unclear payments and different amounts than what's being submitted. I am extremely concerned as I believe Carrington Mortgage is inaccurately and illegally misapplying funds with an intent to manipulate these funds to embezzle money. This company should not be allowed to conduct business as a mortgage servicer until they can ensure consumers are provided accurate and complete payment records. Please investigate this issue further as I believe as a homeowner I shouldn't have to fight my mortgage provider for this information.
Consumer complaint received 2023-04-07
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. (PA)

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent items under the provisions of the law and am requesting a free copy of my report and all information regarding this matter be provided.

The fraudulent accounts 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
Consumer complaint received 2022-06-11
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. (MN)

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

In accordance with the15 USC 1681 section 602 A. States I have the right to privacy15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX WI, XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX CA, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX NJ, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (TX)

I called XXXX and sent a dispute to the credit bureau in XXXX about the account still showing open on my credit report. XXXX is saying the credit bureaus take 90 days to update their records. Which is false ... one because I did a dispute with XXXX and XXXX lied and told them the account is still open. And they are refusing to correct it on my credit report
Consumer complaint received 2018-08-02
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. (NC)

On XX/XX/2018 I submitted a dispute to the major credit reporting agencies ( XXXX, Experian, XXXX ) due to the impact of erroneous accounts being placed on my personal credit profile. Despite providing the required proof of me being a victim of Identity Theft according to these agencies and the congressional act ( FCRA Sec. 605B ) I am still being haunted by these erroneous accounts.
Consumer complaint received 2018-04-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: BlueChip Financial (NY)

I got a call from XXXX which comes up on my phone as " XXXX XXXX '' saying I owe XXXX money. 

No clue who these people are and I dispute the entire transaction and think it is a scam debt collection.
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

They show that I paid late but it was actually as a result of their late fee which I was never informed. They never attempted to contact me either. I have tried through all three credit reporting agencies and also directly though XXXX Bank who refuses to rectify the problem.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Our payment forXX/XX/XXXXwas not paid in XX/XX/XXXX. However, in XX/XX/XXXX we paid bothXX/XX/XXXXand XX/XX/XXXXpayments together on XX/XX/XXXX in the amount of {$2100.00}, which included all late fees associated with payments being late. Account was completely caught up. XX/XX/XXXX payment due on the XX/XX/XXXX was paid onXX/XX/XXXX( 8 days past due ) andXX/XX/XXXXpayment was due on theXX/XX/XXXXand it was paid onXX/XX/XXXX ( 22 days past due ). Neither of the above mentioned months are past 30 days with the exception ofXX/XX/XXXX. I pulled a credit report with all 3 Reporting Agencies and XXXX XXXX  has reported that No data forXX/XX/XXXX and show us 30 days late forXX/XX/XXXX. I called XXXX to try and fix this and they tell me that they do not show that in their system. I called again and was told the same thing, I took the conversation to XXXX XXXX  chat and was told they do not show our account being reported as late, so I paid to have our reports ( all 3 ) ran again, and again our reports are showing no data for XX/XX/XXXX and late for XX/XX/XXXX for our XXXX XXXX  account. The statements reflect the correct information, but what is being reported to the bureaus is incorrect and reflecting XX/XX/XXXXto be 30 days late. We have been current on our loan since XX/XX/XXXX
Consumer complaint received 2021-12-06
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. (AR)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Upstart Holdings, Inc. (GA)

I have been out of work for several months. During that period I called Upstart several times to make sure I do all I can to avoid repossession. I was instructed on what to pay and pay by dates in order to avoid my vehicle being taken. On XX/XX/year> my vehicle was taken even though that was the date I discussed I would be able to make a payment. Even though the course of actions did not reflect what an upstart agent told me, I accepted responsibility. I understand I have a contract to uphold. 

Next, I called Upstart to get instructions on how to send a payment. I was told that I could overnight a cashiers check and the payment would be applied immediately. So I sent a cashiers check overnight via XXXX and tracked the envelope to insure it arrived the next day. When I called Upstart today, I was informed that I sent the check to the wrong address. When I asked to speak with a supervisor, I was then told that the check was sent to the correct address but I would have to wait for their bank to pick up the check and process it which can take another week to do. 

I could have processed a payment online via XXXX, avoided paying the overnight charge, and the payment would have been processed by now. Also, the address that the agent claims was wrong is listed as the overnight address on the company 's website. 

Upstart needs to be held accountable for their poor ability to give correct information. I understand it is my duty to pay on the contract as agreed. However, Upstart is still a corporation and quality is important. This has impacted my life in ways that impact my health. 

The vehicle was repossessed by a company nearly XXXX hours from my home. I am already poor, low on funds, and no support. How am I supposed to get to my vehicle? 

Ultimately I should be able to rely on the information the company gives me. I was held accountable by my vehicle being taken. Shouldn't this multi-million company be accountable for poor quality of information? 

All of the agents I spoke with were polite and I am sure they were doing their best however, the results we're poor.