davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries 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, 15 USC sections 1681i 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 INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$420.00} Dates of late : XX/XX/2021 I am not sure how I was late on XX/XX/2021 but I have always paid this account on time when I receive my statements. I might have received my statements late.. I am not really sure how this happened. But this was paid on time.
Consumer complaint received 2022-06-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I was told by Equifax to resubmit my police report, social security card and id because it had expired from my original dispute that took 30 days and removed a fraudulent account from XXXX XXXXXXXX XXXX XXXX  XXXX. The Equifax representative said once received it would be removed again. I complied with the request and Equifax continued to furnish incorrect and fraudulent information on my credit report. As a background, Equifax investigated the fraudulent account on my credit report from XX/XX/22 to XX/XX/22. The results of the investigation were completed on XX/XX/22 and mailed to me indicating that the fraudulent account had been investigated and was removed from my credit profile. I was provided with confirmation number XXXX to confirm this and a new copy of my credit report without the fraudulent item no longer reporting. A month later, Equifax begins to re-report this fraudulent account that had previously investigated and removed. I called Equifax and they indicated that I can dispute it again and wait another 30 days for the results. I called back later and was told that the account could be removed with a letter from the lender only now since it was put back on my credit after an investigation removed it. I asked why it was put back on my credit and the representative replied because the lender sent a monthly update and they put it back on my credit. I inquired whether or not this was an internal policy or a requirement of the Fair Credit Reporting Act. I was told by an Equifax representative that Equifax makes its own policies on how it handles fraudulent accounts and disputes. Equifax is now going beyond the 30 days required in an investigation process for a fraudulent account investigation and intentionally causing me harm by reporting an account they previously investigated, determined fraudulent and removed. This is a direct violation of the Fair Credit Reporting Act.
Consumer complaint received 2021-12-25
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. (CT)

XXXX XXXX was unable to locate my account for payment over the phone on multiple inquiries during the coronavirus pandemic. They could not take a payment over the phone, and there was no way to make a payment online, as the account would not show up on their system. No mail was sent to our home with a billing statement, and there was absolutely no way to pay the account during the period in question. The balance was a result of taxes paid to the town on my behalf, by XXXX XXXX, and I was never provided detail on what that balance was, or how to pay it. We contacted XXXX XXXX over XXXX different times to pay this balance during XXXX, with no reply. They eventually reported this negatively as you can see in the screenshot in XXXX of XXXX. The balance was ultimately paid to XXXX when I purchased a new vehicle and traded in the lease, but this was the only way to settle the balance.
Consumer complaint received 2021-12-25
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: Experian Information Solutions Inc. (TX)

Since XXXX of 2021 I have been receiving numerous phone calls from a company called XXXX XXXX XXXX XXXX XXXX stating that they have been hired by a company called XXXX XXXX and that I owe a debt that needs to be paid. 

I have asked numerous times for the Experain, XXXX XXXX XXXX XXXX XXXX XXXX XXXX to provide me with proof that I am the person they say owes this debt with my signed signature pertaining to the matter. 

XXXX, XXXX XXXX XXXX continuously calls me and asks me for my attorney 's name and number and I don't know why. And they can't prove they have a contact with me.This account started out with a balance owed of around {$5000.00} and now I am receiving letters in the mail that the balance is now {$15000.00}. I am terrified and troubled with the financial stress and harassment they have added to my life. 

I have sent letters to all parties involved within the last 60 Days asking that this information be verified with me and I haven't received verification yet. This account needs to be removed immediately.
Consumer complaint received 2023-12-28
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-13
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: Experian Information Solutions Inc. (MD)

I, XXXX XXXX XXXX am a victim of identity theft & have one or more fraudulant accounts all 3 on my credit bureaus profiles & will need them disputed & removed as soon as possible
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (GA)

EARLY WARNING DISPUTE Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Georgia XXXX D.O.B : SSN : Driver Lic XXXX Consumer ID : XXXX 1. Disagree with reporting of XXXX XXXX  ( Ref #  XXXX ) principal loss amount of {$1000.00} the funds were held for verification for a fixed period of time by the bank until collected from deposits. The original amount of principal loss is incorrect and I am requesting removal of this account until validation is met under the federal guidelines and forwarded to me by way of statutory mail, please send detail documents of stated amount 2.  Disagree with reporting of XXXX XXXX  ( Ref # XXXX ) principal loss amount of {$360.00}. This account was closed by myself consumer because of funds delayed for extreme periods of time. No balance was owed for this account. Bank charges are said to be closing charges. Please have bank provide closing charges disclosures that read {$360.00} is required to close an account. Please remove this account until I receive debt validation by way of statutory mail and allow 30 days to dispute. Please send detail document of stated amount 3. Disagree with the reporting of XXXX XXXX XXXX XXXX ( XXXX ). I have reached out to XXXX XXXX XXXX XXXX several times and no one has been able to provide validation of the debt amount ( {$3300.00} ). I have reached out to XXXX XXXX XXXX attorney at law 3rd party to Delta XXXX XXXX XXXX and requested debt validation for the amount of {$3300.00} and received a certified letter stating I owe this amount with no proof attached or documents to support amount. Please remove this reporting until all statues has been validated under the FCRA mandates.
Consumer complaint received 2018-11-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp (FL)

After the hurricane of XXXX, I called RP Funding to pay over the phone because their website was down. At that time I was offered 3 month forbearance since My account was current and I had experience property damage. I was told that the 3 months payments would be added to the end of the mortgage, that no fees would be incurred and there would be no effect to my credit. When I tried to pay for XX/XX/XXXX as I was told my next due date would be, the website was still not functioning so I called the company again to make the payment. The agent who took my payment apologized for the inconvenience, took my payment and waved the fees normally charged for phone payments Thereafter I started to get delinquency letters and when I called to query the letters I was told that I should disregard them because more people accepted the offer than anticipated and that there was a back- up in updating the records. I continued to make my monthly payments and made several contacts with the company by phone and letter in attempt to resolve the issue. About XX/XX/XXXX, I received a letter stating that my payments would be returned and future payments not accepted. Subsequently I wired the total funds they said I owed even though I disagreed with the total. This was also returned stating that I needed to send more than {$2000.00} additional. Then I receive notice that foreclosure was filed and my account was reported to the credit bureaus as delinquent. I think that the hurricane is being used as an excuse to charge additional fees.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

First of all, I received information in the mail from all 3 agencies, which I will share with the CFPB. As Navient student loan servicer and credit agencies are placing negative information my credit report it's still not corrected as complained weeks ago. Here is the reference numbers : XXXX # XXXX ; Navient # XXXX ; XXXX # XXXX. 

XXXX ( File Number XXXX ) - Has stated history was updated and " Paid or as Agreed '', but I was 120 days late in XX/XX/XXXX-XX/XX/XXXX. Navient did not have this account then and I completed a " rehabilitation program '' in XXXX that removed all " NEGATIVE INFORMATION '' off my credit report. They have placed that information back on there and I can show you years of credit reports without the information reported and I have the rehabilitation paperwork! 

All Sally Mae account were removed now reinserted. 

XXXX ( File Number # XXXX ) Is stating the Navient account will become positive in XX/XX/XXXX as they are reporting negative to information stating I'm " CURRENTLY LATE AS OF LAST MONTH '' Again Navient is the only account reporting this information. In addition ; XXXX is report addressed I have never live at : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXXXXXX XXXX , XXXX XXXX ( File Number # XXXX ) - Is reporting account " NEVER LATE ''. Which correct is correct Like I mentioned before I'm in the process of buying a house and under contract. This I can not obtain my house due to incorrect information I'm filing all law suit on ALL PARITES INVOLVED! I have been in contact with the person that sued XXXX for million because they would not correct someone credit report. I close on the XX/XX/XXXX and I expect this be resolved. If not I have supporting paperwork to address the issue. 

PLEASE REMOVE NAGAITVE INOFORMATION ASAP AND REMOVE INCORRECT ADDRESSES OF MY CRDIT REPORT.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the fair credit reporting act XXXX  account #. XXXX has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy
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. (GA)

I am 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, 15 USC sections 1681i 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 UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$390.00} XXXX {$0.00} XXXX {$3300.00} XXXX {$1900.00} XXXX {$5300.00} XXXX XXXX XXXX {$180.00} XXXX {$1200.00} XXXX {$850.00}
Consumer complaint received 2021-10-09
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: Experian Information Solutions Inc. (PA)

I've been trying to reach out to Experian, they have not given me access to my CONSUMER REPORT and XXXX  REPORT. I have attached screenshots as proof.
Consumer complaint received 2021-12-24
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. (FL)

I got my credit report and I dont understand why I still see these accounts on my name. I already explain to you that is not mine, none of them. Please delete it! Im sure that someone used my personal information
Consumer complaint received 2020-01-29
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: Experian Information Solutions Inc. (MD)

Hello, Every time I try to connect to XXXX it directs me to XXXX XXXX XXXX XXXX.action TXXXX XXXX   website is not currently available at your location. Visit XXXX or www.consumerfinance.gov/XXXX to learn how you can request your free U.S. credit report by mail. 

What about location? I am in XXXX XXXX, MD. I have tried with two Web Browsers : XXXX and XXXX. My son also tried from XXXX, NC with the same results. 

I have also tried using my work and personal computers. 

Thank you
Consumer complaint received 2018-11-19
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

They called my parents house number on a Sunday on XX/XX/18. I don't even live at this house anymore. Their phone number wasnt even listed on my XXXX XXXX account ( which is where this account originated from ). They called this house about once a day. They call from different numbers. They have more than 20 phone numbers under their company name and they dont even call my cell phone anymore which is the proper number that they should be calling. They called me 3 times on my cell number and that was it. The other times, they try to call my parents house number that I dont even live in anymore. They even have my proper house address that they've sent mail to before. I do not want them to send mail or contact this XXXX number ever again. I even just made a payment with them last week too online. Their website even says " dont feel like talking to us? Settle your debt by paying online ''. Okay, so I did that and I'm still getting phone calls only 3 days after I just paid them some money and they called a WRONG NUMBER on a SUNDAY!
Consumer complaint received 2018-03-11
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: EQUIFAX, INC. (CO)

Equifax has repeatedly denied me access to my own credit report after i have sent in to their dispute/identity center at least a dozen times a copy of my ID, SS Card, and Proof of Address in XX/XX/2016.. Each time they are claiming that when i call in or try and access the report online that my own information is invalid, that my IDs are not correct and/or that the security questions I answer over the phone or online are wrong. 

I am not sure what is going on but for the last at least 2 years ( since XX/XX/2016 ) since i disputed two wrongful collections ( XXXX XXXX XXXX ) on my file with Equifax, I have been unable to access my credit report and the dispute never was resolved. 

I am being treated unfairly and have no idea where the copies of what they are requesting are going. When I call i am treated rudely, yelled at or degraded and when i finally get someone who is helpful they tell me that everything i verify is not true. 

I've asked for an investigation multiple times as i believe the data is not correct or merged with someone else. I send what they ask to prove my identify and they say it's not enough or to send it in again. I have literally done this two dozen times and all i am trying to do is get something removed from my credit report but i am not allowed to access it myself to do so ( only lenders apparently can ) This is ILLEGAL!
Consumer complaint received 2021-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I had my wife assist me in opening a Capital One 360 checking account under their promotion where I deposited {$1000.00} into the account within 60 days and they would give me {$400.00}. No where on the terms state that I must initiate the transfer from my outside bank TO them, just that the funds needed to be an ACH from an outside institution TO Capital One which total {$1000.00}. 
I did this, I initiated two {$500.00} transactions from my XXXX XXXX account To Capital One. I called to ask them why I did not see the promotion deposited. They claim I did not meet the terms of INITIATING the transfer from an outside bank to them, and send me the terms which I already had a copy of. I explained to them that when I had assistance from their rep opening the account, i could do a transfer fmoney between XXXX, XXXX, XXXX, an outside bank, or direct deposit and all of those would count as a deposit as long as it was an ACH and the total was {$1000.00} in 60 days. They did not state the transfer MUST be initiated from the outside source, just that the funds must come from the outside source to qualify. 
There terms were not clear and did not include this, now they are trying to withhold the {$400.00} bonus for opening an account with them although I met all other requirements according to them, but because I did not initiate the transfer from my outside institution to them they are withholding the bonus.
Consumer complaint received 2018-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: COMMERCE BANK (TX)

On XX/XX/XXXX, I sent a payment of {$300.00} to Commerce Bank via my online banking with XXXX XXXX. This was more than my regular payment amount. The payment was received by XX/XX/XXXX, and cleared my bank XX/XX/XXXX, as supported by the attached documentation. I had been a couple payments behind due to unemployment last year, but they knew this based on many conversations with customer service.

This company is chronically slow at receiving and applying payments to my account, unless I pay the extra fees required to pay over the phone.

OnXX/XX/XXXX, the vehicle was repossessed. I was told they had no record of my {$300.00} payment, itt was out for repo for being 79 days behind, and they would not approve reinstatement of the loan due to me being behind. After a couple of hours it took them to get my information together to get the car back, I was quoted {$5800.00} to get my car back, including fees, I immediately wired the money per their instructions and got my car back later that day, after paying an additional {$130.00} to the towing company. I was told it would take 10 days or so to get my {$300.00} back.

As of XX/XX/XXXX, I had not received my {$300.00}, so I called. After they had to research it, I got a call onXX/XX/XXXX saying they received the paymentXX/XX/XXXX and it would be 14 days from that date before I would get the {$300.00}. The attached documentation clearly shows they received it and it cleared on the XXXX. Their slow payment processing is what led to the car getting repossessed. I never did get a letter or voicemail saying that it was going to get repossessed.
Consumer complaint received 2021-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (KY)

I sent a check for XXXX check # XXXX. Was my loan balance. Sps company managing loan destroyed check check was dated XXXX.They told me i needed an pay off amount. They sent me a pay off amoumnt of {$40000.00}. That was good until XX/XX/2021. I sent another check for {$40000.00}. And it was delivered on om XX/XX/2021. I have a mail recept that check was delivered on XX/XX/2021 AND IT WAS DELIVERED TO PAY OFF DEPT. SIGNED BY XXXX XXXX.As of today I have not heard anything from SPS.