davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern : Both XXXX  and Transunion began to report an unpaid debt on my account in the amount of {$130.00} to XXXX XXXX XXXX around XX/XX/2018. This is stunning, since XXXX  checked into my dispute regarding this account and removed it immediately. Both XXXX and Transunion, however, refused despite several phone calls and dispute filings. I do not owe that company any money. I have never missed a credit card or loan payment in my entire life, and these credit reporting companies have now reported an unpaid delinquent debt that cost me about 50 points on their credit report. I asked the credit reporting companies whether there is a judgment against me of any kind with respect to this debt. Neither XXXX  nor Transunion could find any such judgment. Nevertheless, they stated that XXXX XXXX XXXX claimed I owed money, and that was the end of the inquiry. I asked why my statement that I did not owe any money would not be held in the same regard as that company 's statement. But these companies had no valid answer. 

Furthermore, Transunion continued to add a suffix to my name that does not exist over my objection. XXXX  did the same thing. I disputed this with them, but only Transunion fixed the error. XXXX  refused, demanding personal information, which I was unwilling to send them due to their record of records ' breach ( which impacted me ). They stated  one company ( out of 50 accounts ) reported my name as XXXX, and they would take that company 's word over mine and that of 49 companies.  This was stunning, and to this day, the company continues to hold me out as someone I am not. 

I hope you can fix this! 

Sincerely, XXXX XXXX
Consumer complaint received 2018-03-26
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. (TN)

Certified Mailed dispute letters disputing accounts with Transunion 3 different times.They are verifying the accounts are accurate. I called them and asked how they were verifying and they told me the creditors verified by my name and a address. I then asked are they not to verify all things they report on my credit report as accurate and that it is mine by validating proof such as an original signed contract with original creditors according to THE FCRA Section 609 ( a ) ( 1 ) ( A ). She said that is true. I then asked then why aren't you all doing that. She stated that Transunion does not have to verify anything and that I needed to contact the creditors. I told her that I was writing this down and asked if Transunion validated my debt with the creditors by seeing if the creditors had an original signed contract with my signature on it. She said no they did not. I reminded her of the FCRA section 609 and section 611 and asked if they were going to continue to ignore it by violating the federal law. She chose to not comment. I have attempted to solve these problems with Transunion 3 different times to no avail. I only wanted to know if they are accurately validating this debt and that it is accurate and mine, which is the federal law.If they can not verify this information, they are to promptly delete ( FCRA Section 611 ( 5 ) ( A ) ). I am a litigious consumer and fully intend on pursuing litigation. I know the remedies available to me ( FCRA section 616 & 617 ) for failure to comply with the federal law.
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (LA)

i have 8 inquires on equifax that shouldnt be on my report, i have 3 inquires on XXXX  that shouldnt ne on my report, and 5 on XXXX  that shouldnt be on my credit bureae period,
Consumer complaint received 2019-02-15
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. (MO)

XXXX I sent a certified letter to Equifax and told them I looked at my credit report and saw a US Bankruptcy Court item listed on there. I told Equifax that under FCRA 623 ( a ) ( 5 ) : " if the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. '' XXXX Equifax sent a response saying that please be advised Equifax no longer reports judgments or liens on the Equifax credit file. The disputed item is not currently reporting on the Equifax credit file. Public Record : Lien XXXXI never disputed any liens!!!! 
Going further : They stated that they receive public record items from local, state, and federal courts through third party vendor, XXXX. 
Its still currently reporting on my credit report as discharged. 
Equifax told me if i had any additional information to send it in to them and I have. I'm going to attach all the documents i have sent to Equifax to you as well. 
I don't understand how a company can get away with investigating things that you have never disputed?
Consumer complaint received 2021-07-06
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. (GA)

I filed a dispute with Equifax XX/XX/XXXX attaching documents of my reaffirmation and my payment history reference car loan # XXXX with XXXX XXXX. I filed bankruptcy XXXX and signed a reaffirmation to continue my payments. My car payments are up to date. XXXX XXXX states it's there policy NOT to report once a bankruptcy has been filed regardless of a reaffirmation but yet they're taking my payments every month. Equifax closed the case XX/XX/XXXX stating the bankruptcy was filed correct. WTH! I'm not asking about the bankruptcy. I'm asking that my car payments be reported.
Consumer complaint received 2019-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC (FL)

I went to a puppy shop bought a XXXX  XXXX and was told everything was ok with the dog I advise after the vet came to my home from there shop the dog was acting funny and it wouldn't eat and was basically laying around not full of energy. So I took the dog to the vet they advise they would need to do a serious of test that would cost me over a {$1000.00}. 
I than went the animal care and control to have the puppy look at and they gave a shot of antibiotic to see if that would help I than paid for blood work for {$280.00} the vet advise I should take o dog back I call them while there and they said you only have 2 days to return the dog. That is not a enough time to see if a puppy would get sick and die. After the puppy was found laying outside of the cage with light breathing I was force to take him to XXXX XXXX for cremations me and my XXXX old daughter was devastated from all this with a puppy that was apart our family. I than began getting phone calls from a gentleman about making payments I advise I never got a call back from this puppy place and now you want me to pay with a 30 % interest rate maybe more so I told him if he send something writing to accept {$1000.00} I would pay it and be done never herd from again. One evening starting getting calls from this guy again when I told him in writing cease all calls he went to calling from different numbers saying I'm calling them which was false I want to make complaint and investigation on this company as well as the 3 Credit bureaus for not given me proof to validate this date with a contract and payments that were paid into this account and why are the credit bureaus still reporting late payment when the account is charge off. See below for amount and date open. 

Complaint against XXXX and XXXX and Duvera Billing services , LLC 413 Your Easy Pay Finance Statement is Available XXXX via XXXX Mon, XX/XX/2017, XXXX XXXX Accont Number.. 
Merchant Name.XXXX XXXX Payment Amount : {$240.00} Payment Date : XX/XX/2017 Date of First Payment : XX/XX/2017 Monthly Payment Amount : {$240.00} Term : 24 {$4800.00} Total Charge off Date open XX/XX/2017
Consumer complaint received 2019-02-15
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I am writing to try and determine where and or with what specific party I can file complaint against a Reverse Mortgage company that is acting in a unprofessional manner. I am an heir to an Estate and trying to determine the price of the home in order to purchase it. 

The Reverse Mortgage Company ( XXXX XXXX ) has been very evasive and constantly giving me varying information and I've never been able to speak to the same person twice. I've called in twenty ( 25 ) times  and it's a different person every single time. They have caused me much distress, a lot of money and time and I'm still not getting any real information that can be counted on. There end goal is to foreclose on the home and treat me like I'm illiterate and XXXX. I want the game playing to stop and I've made it perfectly clear I am a ready, willing, able buyer of the property but I am being ignored constantly no matter how much information I provide them. Documents already provided to XXXX XXXX : Death Certificate, Funeral receipt payment by me, Last Will & Testament, Real Estate Contract to sell my home, as well as signed, notarized Disclaimer forms where my brother, sister, third party waive all rights to the property. Leaving me as the sole heir interested in purchasing the home. Lastly, I've also signed and sent in XXXX XXXX short sale form and supposedly a Ms. XXXX XXXX ( short sale mgr. ) is supposed to get in touch w/ me about the process & appraisal. My family 's entire life is on hold trying to resolve this issue and it has left us feeling abandoned, adrift, and without any professional avenue to resolve the issue. 

Estate of XXXX XXXX XXXX ( birthdate : XX/XX/XXXX ) ( date of death : XX/XX/XXXX ) Home Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX # you said to not include that here XXXX XXXX  Phone number : XXXX My father passed away on XX/XX/XXXX and XXXX XXXX XXXX ( reverse mortgage started w/ XXXX XXXX back in XX/XX/XXXX ) is giving me double talk and trying to run out the clock on me and I've now had ten ( 10 ) weeks of time pass without any proper answers. I've been paying all the bills on the home including Flood Insurance , Home Owners Insurance, Taxes on the home, Water, Sewage, Electric, Trash, Internet service and am living in the home to satisfy the request of the Mortgage Company that is refusing to cooperate in a professional manner. I can not get an independent HUD approved appraiser sent by XXXX XXXX after asking for two ( 2 ) months. I'd like to be able to purchase the home once a " Current Market Value " of the home is determined. The home is under water and a price needs to be negotiated in order to purchase the home. Why can't I get straight forward truthful information from XXXX XXXX? All of the reviews online about XXXX XXXX have been extremely bad and their behaviors no matter how bad have gone without oversight. That is why I'm reaching out for help ... " I'm a ready, willing, able heir & buyer being ignored ".
Consumer complaint received 2022-05-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

I disputed a collection on my credit report 's all XXXX of them by doing a dispute online and then by letter asking to remove inaccurate credit information ( XXXX XXXX XXXX ) bought a bad debt which had been charged off by the original creditor that has fallen off my credit report, I did not have a contract with them and they are reporting on my credit report and by law you must not report any inaccurate information on my credit report and that is inaccurate because I didn't have a contract with XXXX XXXX XXXX, when I checked with XXXX I was told it was valid!
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX  is reporting a bankruptcy on my credit file. Ive written multiple letters demanding this unverified information removed. They claim this information came from XXXX. I have checked with XXXX and they do not have a bankruptcy on my file. I have also contacted the court and confirmed that information is not coming from them.
Consumer complaint received 2019-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

I am trying to collect my escrow surplus of {$7400.00} for XXXX from my mortage lender Ditech Financial LLC which shows on my XX/XX/XXXX statement ( account XXXX ). 
After numerous phone calls to Ditech customer service XXXX all I get is the run-around about my escrow surplus check.I contacted them on XX/XX/XXXX, They said a check was mailed on XXXX ( I did not receive ) They issued a new check on XX/XX/XXXX, ( I did not receive ) .I called on XX/XX/XXXX and was told someone would contact me, no one contacted me, I called on XX/XX/XXXX and asked to speak to a supervisor or Mgr but they could not locate one.I also asked customer service if they had my correct mailing address, they did.They have all this information on their recorded messages.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2019-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I am working towards Public Service Loan Forgiveness ( PSLF ). I have been employed full time by a XXXX XXXX since XXXX. When I first got into my repayment plan in XXXX, I told Navient representatives that I would be working towards PSLF. I was enrolled in an income based repayment plan at that time and over the next several years I was assured multiple times that I was on track to have my loans forgiven after the 120 payments were received. 

In XXXX, half of my federal loans were transferred to XXXX. I didn't even realize that they had only taken half of my loans because I still had several private loans being managed by Navient. In XXXX, I called XXXX to question why they had only taken half of my loans. I was informed that half of my federal loans were direct loans and half of them were FFEL ( the wrong kind of loan for PSLF ). Nobody had ever informed me of this. I was able to simply consolidate my FFEL loans and start working towards PSLF on those loans. 

So now, half of my federal loans are on track to be forgiven in XXXX and the other half won't be forgiven until XXXX. This is despite working full time, for a government agency, making on time payments the entire time. That is 4 years of interest and payments that I can't afford to make.
Consumer complaint received 2019-02-15
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. (FL)

For all three credit bureaus, my 8 active loans with XXXX XXXX XXXX/XXXX are reporting as 90 days late for the month of XX/XX/2018. Previously, the accounts were showing as late for XX/XX/XXXX, XX/XX/XXXX as well, however the bureaus received receipt of my deferment and updates the information. The inaccuracy is that my deferment has been effective since XX/XX/2018, therefore no single account should have any late payment history as no payments are due when the account is in deferment. When contacting the credit bureaus, the response I get is that XXXX has to update the information. When contacting XXXX, I am told that the bureaus can see the date effective on the deferment and should update my reports accordingly.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

For all three credit bureaus, my 8 active loans with XXXX XXXX XXXX are reporting as 90 days late for the month of XX/XX/2018. Previously, the accounts were showing as late for XXXX, XXXX as well, however the bureaus received receipt of my deferment and updates the information. The inaccuracy is that my deferment has been effective since XX/XX/2018, therefore no single account should have any late payment history as no payments are due when the account is in deferment. When contacting the credit bureaus, the response I get is that XXXX has to update the information. When contacting XXXX, I am told that the bureaus can see the date effective on the deferment and should update my reports accordingly.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Caliber Home Loans, Inc. (NC)

Back in 2014 we filed foreclosure on our house with XXXX  XXXX XXXX. 
Sometime prior the forclosure was processed XXXX  XXXX XXXX sold our loan to Caliber loans but XXXX loans quickly gave it back to XXXX  XXXX XXXX and our foreclosure is with XXXX  XXXX XXXX. Caliper loans said on our credit reports that our foreclosure was with Caliber loans also. We only had one house and there was only one foreclosure and it was with XXXX  XXXX XXXX not Caliber loans. They need to remove this information off of our credit reports because it looks as if we had two foreclosures and we did not.
Consumer complaint received 2024-02-09
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. (OH)

I hope this message reaches you promptly. I am writing to express my continued concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite multiple attempts to address this matter, the fraudulent items persist, causing significant distress and financial hardship. 

Given the urgency of the situation, I urgently request the following actions be taken : Immediate and Thorough Review : Conduct an expedited and comprehensive review of the fraudulent activities associated with my account to facilitate the swift removal of all unauthorized items and transactions. 

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to resolve this issue. 

Preventive Measures Implementation : Implement additional preventive measures on my account immediately to mitigate the risk of future unauthorized access or activities. 

Compensation Consideration : Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in your services. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX , OH XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2024-02-09
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. (KY)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2019-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a capital one student credit card and it was lost then used and the person ran my bill up and maxed it. I tried telling them ( capital one ) this and they just said I needed to pay it back. I shouldnt have to pay it back if I didnt use it and theft occurred and now I cant get any more credit cards and my credit score is a mess. This happened around the summer of XX/XX/2017. The cards maximum was {$300.00}.