davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have few accounts on my credit report that is not belongs to me. Im XXXX person getting assistance from the state I dispute those accounts and the credit report cant remove it. Account are been placed different times or have been in my credit for more than 8 years
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 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 2021-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

My kohls balance was paid with XXXX XXXX XXXX  on XX/XX/XXXX however Kohls is still reporting my balance monthly as {$610.00} with XXXX and XXXX. I have faxed Kohls at XXXX on XX/XX/XXXX with the statement from XXXX XXXX XXXX showing it was settled for less than full balance on XX/XX/XXXX. I have also requested 4x with XXXX that the information be resent to Kohls to update my balance accordingly. I spoke with Kohls on XX/XX/XXXX and was advised my account was sold to XXXX for collections. This account has already been settled and should not be collected on again and should also be reflecting a XXXX balance.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

We sold our house in XXXX XXXX, California starting escrow in XX/XX/2021. Our mortgage company was XXXX, and the escrow company was the XXXX XXXX XXXX. During the escrow process, the XXXX XXXX XXXX was supposed to take care of the mortgage payment ( s ) ( $ XXXX/month ). The escrow process was longer than planned ( stretching over a two month period ), and during this time our mortgage was not paid at all by the XXXX XXXX XXXX. However, XXXX never sent us a certified letter nor notified us in any ways about the missed payments, and we only found out about them after two payments have been missed and my husband received a credit bureau notification about a delinquent account on a Sunday morning. When we called XXXX to advise them we were in the process of selling our home and that XXXX XXXX XXXX was supposed to pay our mortgage in the meantime, XXXX advised us that no one had been paying it and that they were not aware of us being in escrow at all. They advised that a payoff quote for our home was requested from them in early XX/XX/2021, but there was no follow-up to it. It took us several days of long calls between the XXXX XXXX XXXX and XXXX to get the issue solved, and at the end XXXX XXXX XXXX took responsibility for the missed payments, and paid them ( along with the late fees ) during the payoff process. The XXXX XXXX XXXX investigation revealed that they wired money to a wrong account at the time, and no one realized they did not pay our mortgage. At the end of their investigation, the XXXX XXXX XXXX provided us with an email to send to the credit bureaus about the XXXX XXXX XXXX fault in this matter ( in which they explained it was their fault that the payments were missed during the escrow process, dated XX/XX/2021 ), in order to get the late payment delinquencies removed from our credit histories. However, the credit bureaus advised that XXXX had to remove those delinquencies. When we contacted XXXX, they refused to assist us in this manner, claiming that our account was closed out and there was nothing they could do. We notified the credit bureaus and provided them with that email as proof, also filing claims to remove those delinquencies with all three bureaus online. We are currently trying to obtain a mortgage and are unable to do so due to the delinquent mortgage payment history from 2021 that resulted from this issue, even though we have documentation to prove that it was not our fault.
Consumer complaint received 2018-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (CA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

They did not follow the proper law in regards to reporting a collection account without notice, nor has the collection account proven the account is mine. They are not able to verify the account as they have claimed, as I have never had an account with that company nor who they claim to be the original creditor. I have sent dispute all certified mail they have had more than the required time to respond.
Consumer complaint received 2022-08-17
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: WELLS FARGO & COMPANY (NJ)

on XX/XX/2022 I received a correspondence from Wells Fargo Bank stating they did not have a signed application pertaining to the application they processed on XX/XX/2022. Under the Fair Credit Reporting Act they must remove the inquiry on my credit report. They asked that I contact the dealership but that is not the process.
Consumer complaint received 2023-07-31
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. (GA)

Under the U.S.C 1681 section 602A, states that I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. I did not give permission for my credit report to be pulled. Please remove all of the following hard inquiries from my credit report : 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 2018-12-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/XXXX I received a letter from Select Portfolio Servicing Inc. stating that they have not serviced my loan for a year, so they said they don't have to respond to my request to release the lien for my mortgage.

SPS says they haven't serviced my loans for one year, but yet over the past few months due to my complaints I have filed with the Consumer Financial Protection Bureau, it has prompted SPS to finally respond to my numerous request for information and actions to release the lien for the mortgages due to the fact that the loans have been forgiven and extinguished under the Making Homes Affordable Program, or other means.

I believe my mortgage have been extinguished through the making homes affordable program and forgiven. The loans have been charged off. 

I am requesting a lien release for both mortgages. 

XXXX XXXX XXXX says they aren't the responsible party, and XXXX  XXXX XXXX says they aren't the responsible party, now SPS is saying they have not serviced my loan for a year? Who is responsible?
Consumer complaint received 2022-08-17
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. (MS)

As the CFPB already knows EQUIFAX has been found guilty of furnishing incorrect data on our consumer reports, especially credit scores. EQUIFAX has furnished XXXX XXXXXXXX an incorrect credit score of XXXX on XX/XX/2022. This inaccurate information has caused me to receive an unfavorable credit limit which is a direct violation of my right to credit. This is a direct violation of 15 USC 1681 ( a ). EQUIFAX is also reporting inaccurate late payments on my student loan accounts DEPT OF EDXXXX.
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (DE)

Hello I have applied for a loan modification and completed the application of XXXX of this year.. However instead of getting a proper written response to my completed modification application I get a notice of sheriffs sale date which is XX/XX/2021. I also sent a notice of errors to the correct department within Select Portfolio Services via certified mail on XXXX informing them that the sale date was set before I received a written response to my completed modification application. Thank You
Consumer complaint received 2019-09-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I brought my home with an FHA loan in XX/XX/2016. My taxes are supposed to be paid through my escrow account. I have made all required mortgage payments and was never delinquent. It turns out the mortgage company was paying taxes to an incorrect parcel number for this entire time. The correct county never received any tax payments because the parcel number that was being paid was in a different county. The mortgage company is now demanding that I pay the delinquent taxes and all the fees. I don't feel I should be liable for this since I was making all the required payments and I was told that my taxes were payed through escrow. The escrow company has tripled my mortgage payments to recover the $ XXXX that was delinquent. I can not pay this and I am afraid they will take my home. If nothing else they should try to work with me to resolve this in a reasonable way instead of increasing my mortgage payments to such an unreasonable amount. from XXXX to now XXXX This doesn't seem fair and cant be right. Please help
Consumer complaint received 2019-09-11
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. (UT)

XXXX XXXX # XXXX is reporting a foreclosure I no longer owe. This is past the statute in WA and I do not legally owe the debt anymore and this account should be removed off of my credit.
Consumer complaint received 2018-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I always check my account before I use my ATM card and anything I use my ATM card Bank of America takes the money instantly from my account. but they will charge me for sufficient fee even though they have already taken the money from my account The outrageous part is, I take money from my ATM and they charge me insufficient funds even when I had money in my account. I recently wrote a check for {$1000.00}, my account balance showed I had money in my account but they charge me a fee for inefficient funds.
Consumer complaint received 2022-08-17
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. (GA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, 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 602 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-12-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Falls Collection Service Inc. (IL)

In XX/XX/2014 I went to a medical Lab for XXXX XXXX. I gave the tech my medical card. This was the second time I had been there approximately a week prior so my medicaid card was in the system. I later received a bill. I went back to the lab and explained to the same Tech that my bill needed to be sent to XXXX for billing. The Tech stated she would do so. As I received bills I called XXXX  and they said they have no record of my information but it was sent to a collection agency.
Consumer complaint received 2018-12-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

On XX/XX/18 I applied for a Military Discount for XXXX XXXX families at a XXXX dealer in XXXX, DE. I presented an official copy of my father 's Certificate of Death, a copy of his entire military record, and signed an application for the XXXX Military Reward Program. 
The dealer 's financial representative told me that he would not submit the application because XXXX XXXX XXXX  would not approve it. 
I talked with 4 different XXXX dealerships, and all 4 told me that I could not get a Military Discount as a XXXX XXXX family member. 
I talked with several folks at XXXX XXXX XXXX about this problem, and most of them did not know what a XXXX XXXX family is. 
I wrote to the Chief Executive Officer at XXXX and was given what can only be kindly described as the run around. His office told me to call the dealership, then to call XXXX XXXX XXXX, then to call the XXXX XXXX XXXX XXXX XXXX coordinator.
Consumer complaint received 2018-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy has been battling for 203 weeks with banking quirks due to a system upgrade. they knew there were issues. now they are still hiding the issues and refuse to work with customers. direct deposit checks are not processed. money is withheld by nfcu ( interest free money? ) and i still do not have my credit into my account. i need my funds. these types of issues are starting to become the norm for nfcu.
Consumer complaint received 2020-09-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

On XX/XX/2020 I tried to pre-order the XXXX XXXX XXXX XXXX from XXXX. This was advertised as part of a monthly installment payment plan of {$34.00}. The credit was offered through Citizen 's One. However, when I went to submit my order the request timed out and I was then told the product was OUT OF STOCK. 

I contacted XXXX to see if they could resolve the problem and was given a condescending reply from their customer service rep who offered no assistance and told me it wasn't his problem to fix. 

I then contacted Citizen 's Bank automated line. They told me I had a line of credit of {$2500.00} available to me for a purchase that never completed successfully. I waited on hold for 45 minutes before giving up - I have a job I need to tend to and don't have time for this. 

So my credit was pulled for a product/service that I never received and now I have an erroneous line of credit of {$2500.00} in my name.
Consumer complaint received 2019-09-11
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. (CO)

XXXX ; Experian and XXXX are incorrectly reporting recent late payments on the XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) I never received the paper statement. I have excellent payment history on this account and when I realized this statement never arrived, I immediately contacted a representative with XXXX XXXX and made the payment. The representative I spoke with assured me that I would not be zapped with a late payment. Upon review of my most recent credit report, I see the late payment was applied. This incorrect reporting of a late payment is harming my credit score and needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-08-17
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: R & B Corporation of Virginia (VA)

There are two reports on my credit from " Credit Control Corporation '', but I have gotten no mailings regarding this debt, if it even exists. I get phone calls that hang up from numbers associated with this company.
Consumer complaint received 2019-09-11
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. (CO)

XXXX ; XXXX and Transunion are incorrectly reporting recent late payments on the XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) I never received the paper statement. I have excellent payment history on this account and when I realized this statement never arrived, I immediately contacted a representative with XXXX XXXX and made the payment. The representative I spoke with assured me that I would not be zapped with a late payment. Upon review of my most recent credit report, I see the late payment was applied. This incorrect reporting of a late payment is harming my credit score and needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-09-11
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. (CO)

Equifax ; XXXX  and XXXX are incorrectly reporting recent late payments on the XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) I never received the paper statement. I have excellent payment history on this account and when I realized this statement never arrived, I immediately contacted a representative with XXXX XXXX and made the payment. The representative I spoke with assured me that I would not be zapped with a late payment. Upon review of my most recent credit report, I see the late payment was applied. This incorrect reporting of a late payment is harming my credit score and needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report. 

XXXX XXXX XXXX {$1100.00} XXXX - {$22000.00} XXXX XXXX XXXXXXXX XXXX XXXX - {$760.00} XXXX XXXX XXXXXXXX XXXX XXXX - {$17000.00}
Consumer complaint received 2022-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report. 

XXXX XXXX - {$1100.00} XXXX - {$22000.00}
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX, 2021, I submitted a letter asking XXXX  and Transunion, to remove the accounts that were identified as a result of identity theft. 

They responded with a letter that verified all of the accounts. How can you verify accounts that are result of identity theft? 

on XX/XX/2021, I filed my FTC report to identify items that are reporting on my credit file as a result of identity theft. 

XXXX  has blocked me out of using the online function of view the completed disputed, and disputing through the online function. But they also verified the accounts again. 

XXXX  and Transunion, has been operating in violation of the consumer rights because the accounts that were listed on the FTC report should have been blocked from my credit file in 5 business days. I have submitted numerous disputes identifying the errors in their system in regards to the accounts listed and yet the accounts still remain.
Consumer complaint received 2021-07-16
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: ALLY FINANCIAL INC. (TX)

Apparently there has been a data breach which is the reason why I filed out the identity theft report with the XXXX County Police Department as well as the FTC report because I did not authorize these inquiries on my credit and I need to get these inquiries removed from my credit report immediately.