davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-30
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. (IL)

On XX/XX/XXXX, Consumer received notification from Experian ( " hereinafter referred to as " Company '' ) that it would not remove an erroneous reporting of a 30-day delinquent report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( hereinafter referred to as " XXXX '' ) despite the fact that XXXX failed to provide proof that it provided Consumer with a written financial statement verifying the increase in monthly charges. Without this written verification detailing all proper and authorized charges, including any additional taxes owed, any 30-day delinquent notice for failure to pay these unverified charges is in error and should be removed from Consumer 's credit report immediately. It is not enough for XXXX to provide a lease agreement that shows that Consumer agreed to pay all taxes that may become due throughout the course of the lease. Instead, XXXX is required to provide the Consumer with a written financial statement that details the additional tax as it becomes due, including the exact amount, tax rate, and to which jurisdiction this amount is owed. Otherwise, any increase in monthly charges, including charges for purported taxes, beyond the contracted amount, is unverified and therefore unauthorized. XXXX never provided the Consumer with a written verification of the purported additional taxes and also failed to verify such taxes via verbal conversations over the phone. Instead, the Consumer was given  conflicting and mixed responses by XXXX 's representatives. For instance, at one point a XXXX representative informed the Consumer that the additional monthly tax was for state sales taxes despite the fact that the Consumer had already paid the state sales taxes via her car title and registration application. As a result of this lack of verification and conflicting responses by XXXX and its representatives, the Consumer did not pay the unverified and unauthorized charge of {$710.00} for the month of XX/XX/XXXX. Per Consumer Fraud laws, the Consumer is not required to pay any unauthorized charges. In conclusion, the 30-day delinquent notice reported by XXXX for Consumer 's failure to pay the unverified and unauthorized monthly payment of {$710.00} for the month of XX/XX/XXXX is in error and should immediately be removed from Consumer 's credit report by Experian.
Consumer complaint received 2018-04-14
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: CAC Financial Corp (OK)

cac financial has no validate account, they keep sending a letter head of doctor office but placing there information in the itemized statement, i have asked for a signed document with my signature and debt assumed to be agreed. the have yet sent any such documents. an itemized statement is not validation. 

at the end of this investigation will determine if i file civil suite against XXXX AND CAC FINANCIAL for report unvalidate debt to my credit report in order to damage my credit. both have been asked to verify and validate debt.
Consumer complaint received 2019-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX ; XXXX and Transunion are reporting incorrectly a balance due of {$77000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a summary report from XXXX XXXX XXXX XXXX regarding my HELOC account. The report was run from XX/XX/XXXX through XX/XX/XXXX. It reports only ( 1 )  payment was transferred via online banking on XX/XX/XXXX with a reporting of a {$0.00} balance on XX/XX/XXXX. No other account activity has occurred through XX/XX/XXXX. This incorrect reporting of a balance due is seriously harming my credit score. This line item needs to report a {$0.00} balance. I have contacted the ( 3 )  bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX  XXXX XXXX is reporting on my credit reports. This account had fraudulent charges back in 2012 its been 8 years and after 7 years its supposed to be removed. This information is still affecting my credit score in a negative way. I have disputed and noted that fraud was charged years ago on it.
Consumer complaint received 2020-12-14
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.
Consumer complaint received 2022-06-12
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. (NJ)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILES. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED. IF NOT I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING.
Consumer complaint received 2018-11-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Home Equity Loans, LLC (FL)

Applied for what we thought was financing for a loan, ended up being a loan officer who in fact does not work for or at a bank. He ran our credit and claimed he had numerous options for us and made an appointment for us to come see him, we were told to gather tons of financial paperwork that we would need. We went to see him on Tuesday XX/XX/XXXX and after he learned we were a family of XXXX and that my income was from XXXX, he suddenly had no options for us, told us XXXX people was " too many '' and that he couldnt help us. 

I'm not sure what family size or my XXXX  income should be deciding factors on getting a loan. Now since he has run my credit dropping my score down, I will now be required to wait months for my score to bounce back, before I can attempt to apply again.
Consumer complaint received 2020-01-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

Please assist in an additional attempt to a resolution with Bayview Financial Services in regards to mortgage of Estate Property as each attempt I have tried, they have responded with insufficient evidence, to support they're claim. 
Bayview Case Number : XXXX Regulatory Case Number : XXXX * I have enclosed the court record. 
* Bayview has both death certificates * Bayview has copy of my birth certificate, showing I am the sister of XXXX XXXX, additionally, they have aknowledged I live in the home. 

I can provide my spouses, XXXX XXXX sons birth certificate as well, if needed, as he too is a successor of interest. 
I can provide verification that we hold note, & Security Deed as well as the Quit Claim Deed to property. 

I understand Bayview is not familiar with the prior situations at hand, nor the disputes, or the questions concerning Mr. XXXX actions regarding the Estate. I am offering a simple gesture of accommodation, in hope of crediting Bayview, with good business ethics, as well as a mortgage company that works with they're clients in such a time of despair.
Consumer complaint received 2021-03-05
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (NJ)

XXXX XXXX XXXX XXXX XXXX UWM vs XXXX XXXX  - The Failure Of Capitalism - Oligarchy Unfolds HURTING XXXX XXXX Quite Frankly No Wholesale Lender ( whether wholesale only or retail/wholesale care out the broker. UWM is efficient in processing and closing but very expensive and the value of the efficiency is not there. XXXX  is less expensive and not as efficient but probably more of a value to the broker.

The fact that UWM can use its power in the marketplace to hurt fair business practices is the issue that I think regulators should PUNISH UWM for. 

And poor brokers have to just sit here and take it. 

CFPB - bo something about it.
Consumer complaint received 2020-12-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

ve been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2019-08-29
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. (NC)

XXXX and Trans Union are reporting inaccurate payment history on my credit report for XXXX, XXXX XXXX XXXX XXXX that has {$1000.00} credit limit and XXXX XXXX XXXX. I have never been late on any of these account and asked for these late payments to be removed immediately.
Consumer complaint received 2019-10-07
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. (NY)

I have a Chapter XXXX Bankruptcy docket # XXXX / XXXX that is 9 years old but is still reporting on my credit. It is discharged and has been on my credit for a very long time and needs to be removed.
Consumer complaint received 2019-08-29
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. (GA)

Transunion has failed to remove the unverified Public Record-Bankruptcy from my file. Transunion advised they verified a Bankruptcy associated with me with the XXXX District of Georgia Bankruptcy Court. I have documents supporting that is incorrect and not the truth as they do not provide information to credit reporting agencies. This bankruptcy belongs to someone other than me. I have no association with the Bankruptcy and Transunion has failed to provide any documentation associating me with the bankruptcy. Transunion is well aware they are in violation of the FCRA to delete inaccurate and unverifiable information within 30 days.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2020 I called transunion XXXX to tell them that for 4 years I have no access to the app The app is claiming that Transunion can not identify who I am which is incorrect. To only hear the reason why I have not been able to use the app is because I have to pay to see my information, an app is 2020 version of a website. Majority of people do everything from their cell phones in todays society no need for laptops. So now We the people are being extorted for access of our own information through the app. This is a violation of the FCRA. And should be held accountable. Trans Union is recommending that I go to a website that is government mandated for one free credit report the problem with that is TransUnion will never be held accountable for their miss deeds they will point the finger at the site and the site will point the finger at Trans Union ( I have had enough of that game ) 4 years and over 5000 calls of it.
Consumer complaint received 2021-11-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (MI)

I have made several requests for updated records regarding this account since XXXX. When the company charged off the said debt in XXXX, I requested debt validation as well as a XXXX form since they wrote the account off as a " profit-loss '' charge-off. To date, I have not received any information in regards to the XXXX that I requested. In fact, on XX/XX/XXXX on a called placed and taken by XXXX Customer Service Department from XXXX to XXXX, representative " XXXX XXXX XXXX did confirm that the company in fact DID not send the XXXX to indicate cancellation of debt since it was charged off. However, they have reported this account this as a loss to the XXXX XXXX XXXX but are still attempting to collect this debt from me through a third-party. This is illegal and fraudulent as I was told by the XXXX and advised that I submit a complaint here as well as referral to the IRS for investigation into this very common practice Synchrony Bank uses.
Consumer complaint received 2018-04-14
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc. (KY)

I would receive multiple calls while at work at the most inconvenient times from ccs. I finally got tired of the constant harassment and rudeness from the company so I decided to settle with the company, they told me i owed debt with XXXX XXXX XXXX and even though the information provided to me didn't seem to register with me I reluctantly paid the settle amount. After some time had passed and with much thought I decided to call and ask questions about this debt because I don't ever remember having auto insurance with XXXX. I reached back out ccs to ask questions and the dates the company provided me with didn't seem right because I knew I didn't own a car or have a car in my name at the dates ccs was saying I had auto insurance, so after going back in fourth with ccs and coming out even more confused. I decided to contact my transportation cabinet to see if I owned a car on the dates ccs said i had car insurance. Ccs said that I had auto insurance with XXXX from XX/XX/XXXX to XX/XX/XXXX. I have uploaded documents from my transportation cabinet with all cars I've had in my name and high lighted dates registered I never owned a vehicle on or around XX/XX/XXXX to XX/XX/XXXX as shown from the high lighted dated documents. This company ccs has scammed me out of money, they have no documents with my signature on it saying that I signed up for auto insurance with XXXX and also are reporting this on my credit report.
Consumer complaint received 2018-04-14
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. (IL)

On XX/XX/2018 I disputed incorrect information on all three reports. My date of birth was incorrect it was a month off and I asked them to correct it. I also disputed incorrect information on the credit card and auto loan accounts that are on my report. I have paid these accounts off and they are still reporting incorrectly on all three reports. The credit reporting agency refuses to remove these inaccuries and keeps telling me that the information is accurate and complete and fails to tell me the method they used to verify these inaccuries.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I went through a bankruptcy back in 2019 and noticed some accounts that were in my bankruptcy are still showing on my report and needs to be removed. This is an FCRA609/611/623 violation. The Following accounts are listed : XXXX XXXX  # XXXX CAPITAL ONE BANK USA NA # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-10-07
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. (MA)

Experian keeps telling me that an account on my credit report has been verified, I know that this is incorrect because the company that is reporting the account has agreed to delete the account. The account is XXXX XXXX/XXXX XXXX, they also keep telling me that the account has been updated, I want this account deleted right away, XXXX has deleted the account. I filed a complaint with the CFPB and the company has agreed to delete it. Experian should have their request for deletion right about now.
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (AL)

I received four text messages on XX/XX/19 that my card was used but it was not present. I immediately called customer service. I was on hold for approximately forty minutes before speaking with a representative. Once I got someone on the phone I was told I could not dispute the transactions until they had cleared but I could cancel the card & once they cleared I could call back to dispute them. While on the phone with the representative they remainder of my money was taken off my card. The card was canceled and a new one was ordered. They charges have cleared, but I have been unable to get a representative on the phone to dispute the charges ; even though I tried every prompt. I also can not dispute them online.
Consumer complaint received 2022-09-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to mXXXX XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-01-18
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. (WI)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX