davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I HAVE BEEN VERY CLEAR AND PATIENT, I HAVE CALLED XXXX AND XXXX AND THEY HAVE ASKED ME SECURITY QUESTIONS AND VALIDATED MY ID BUT I AM NOT ABLE TO LOG ONTO MY ONLINE ACCOUNT I HAVE ALSO BEEN UNABLE TO GET THE FRAUD STATEMENT REMOVED.. SO I WILL SAY IT AGAIN CLEARLY AND I HAVE ATTACHED MY NOTARIZED LICENSE AND BANK STATEMENT, WHAT OTHER PROOF DO YOU NEED? 

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. REMOVE LATE PAYMENTS, THOSE ARE BILLING DISCREPANCIES. HOW DID I GO FROM XXXX AND UP ON MY SCORES TO XXXX? SOMEONE IS PLAYING GAMES. 

3 THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS EXPERIAN BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

4. UPDATE AND SUPPRESS NEGATIVE INFORMATION 5. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. CLARITY SENT ME A PAPER WITH NO CODE BUT LISTED I NEEDED A CODE TO UNFREEZE. HOW CRAZY IS THAT, IT WILL BE ATTACHED.

6. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS AS IT IS MAKING IT VERY DIFFICULT TO GET THINGS CORRECT. REMOVE IT IMMEDIATELY AND UPDATE MY REPORT. 

I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE EXPERIAN... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATE. I AM SICK OF THIS. 
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2019-07-19
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. (TX)

XXXX and Transunion are reporting incorrectly ( 90 ) to ( 120 ) days late on the ATTYGENERL partial account number XXXX. ( Please page 9 of the attached credit report. ) My child support payments were being sent by the State to my ex-wife directly on a monthly basis. There was an accounting error on the States part by not taking out the appropriate amount on my first paycheck and consequently the payments never caught up so there were late charges. I was never notified of this account error, no letters, no telephone calls, no email correspondence, or any attempt to let me know that I was delinquent. I did not know of this delinquency until I filed my taxes. This accounting error was not my fault. I have contacted the two bureaus to fix this, however I have not been successful. This incorrect reporting is harming my credit score and these lates need to be removed from my credit report.
Consumer complaint received 2019-07-19
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (CT)

on Friday XX/XX/2019 THEY CALLED AN ALT NUMBER AND LET THE PERSON KNOW THEY NEEDED TO CONTACT ME ABOUT A DEBT, THEY GAVE THE PERSON INFORMATION ABOUT THE CAR AND THE SETTLEMENT AMOUNT THEY WANTED TO MAKE WITH ME, I DID CALL THE COMPANY BACK ONCE THE PERSON TOLD ME ABOUT THE PHONE CALL AND SPOKE TO REPRESENTATIVE AND TOLD HIM ABOUT WHAT HAPPENED AND HE LET ME SPEAK TO THE SUPERVISOR, I TOLD THE SUPERVISOR ABOUT CONVERSATION AND HE SAID HE COULD PULL CALL BECAUSE CALLS ARE MONITORED, BUT THEN HE SAID PERSON WAS DESK AND PUT ME HOLD AND SPOKE TO THEM WHEN HE CAME BACK HE DID SAY REP GAVE INFO TO PERSON THAT HANDLE CALL NOT REALIZING THAT WAS AGAINST THE LAW-I LET SUPERVISOR TO TAKE MY NAME AND ALL NUMBERS ATTACHED TO MY ACCT OF CALLING LIST-THE NAME OF THE COMPANY IS NCB-MANAGEMENT IN XXXX PA-XXXXPLEASE HELP ME IN THIS CASE THAT WILL NOT HAPPEN TO ANOTHER CONSUMER-XXXX XXXX  SUPERVISOR NAME
Consumer complaint received 2019-07-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (LA)

I contacted the Branch Manager in XXXX XXXX, LA ; XXXX XXXX and informed him of my current job status. Informed him that I am struggling to pay the full amount of the loan payments at this time. It would help to lower the payments. He informed that he will proceed with legal actions and wanted confiscate the collateral ; but I informed him that it has been pawned. He informed me it is against the law.. However I needed the funds to stay afloat. He made arrangements for a {$110.00} payment on XX/XX/XXXX. But says he still will pursue legal action.
Consumer complaint received 2021-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Keystone Law LLC (MS)

I received a letter that looked very official from XXXX XXXX XXXX with an account number and website to pay the amount in collections ( outstanding balance was about {$1100.00} ). 
I paid {$600.00} before I read down to the bottom of the letter. I paid off a debt to XXXX XXXX XXXX XXXX via XXXX XXXX XXXX in XXXX. 

I tried to stop the payment from going through after I realized that I was probably the victim of a scam, but the payment went through within 3 minutes. The following morning I called XXXX XXXX XXXX and spoke with someone by the name of Mr. XXXX. I told him that I thought payment was wrong and that I had already paid off XXXX  XXXX, and that I wanted my money back. He said he could not refund my money without talking to XXXX XXXX and that he couldn't just take my word for it. I asked him to call XXXX XXXX while I was on the phone so that we could clear this up and get my money back to me. He said he couldn't do that, because the verification from XXXX XXXX had to be requested via email. I told him that I had never heard of that being a reason. I called him a liar and he hung up on me. 
I called First South to inquire and see if I actually had an outstanding balance that I was not aware of and if not, would they call the XXXX XXXX XXXX  company and help me get my money back. 
The XXXX XXXX Representative told me that they do not use a company by that name, and that my debt was paid off in XXXX of XXXX  through XXXX. That is the information I needed. 
I called XXXX XXXX back, and I have left at least 5 messages and have not been able to speak to a live person. 
The phone numbers I have for this company are XXXX, XXXX which is supposed to be the number for XXXX XXXX, but it takes you to the same voice message.
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

On XX/XX/17 there was a Counter Credit Deposit of {$8500.00} and on XX/XX/17 a Counter Credit Deposit of {$1800.00} that were not requested or authorized by myself but by my father XXXX XXXX without my permission .On XX/XX/17 There was a withdrawal of {$100.00} at XXXX ATM in Washington DC , on XX/XX/17 Return Item Charge back of {$8500.00} and another ATM withdrawal of {$1000.00} at a XXXX ATM in XXXX XXXX , MD, all of which I was not present for. During the time of these events I was a on campus student at XXXX XXXX XXXX but on my XXXX XXXX XXXX acct I used my mother and fathers home address. I left personal info such as mail and birth certificate and social security at my fathers address because I did not deem it responsible to keep at a campus where other people would have access to my locker. At some point my debit card was left home when I visited for a weekend and My father utilized my personal information in order to have money sent to my account, one of which was a fraudulent check of {$8500.00} which caused my bank account to be closed. There has been fraud placed upon my name for actions I did not partake in and it now hinders me from applying for most credit.
Consumer complaint received 2019-07-19
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. (FL)

XXXX ; XXXX  and Transunion are reporting incorrectly on the XXXX  account number XXXX. ( Please see page 3 of the attached credit report. ) I never authorized this account to be opened ; I never signed these documents ; and consequently my signature was forged. I have attached a copy of the XXXX Retail Installment Contract and Agreement dated XX/XX/2018. I have contacted the ( 3 ) bureaus to have this issue resolved, however I have not been successful. Reporting of this fraudulent account is hurting my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-09-30
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: EQUIFAX, INC. (IL)

I disputed Equifaxs reporting of my student loan balance and payment status on XX/XX/2019. On XX/XX/2019, I received a {$17000.00} XXXX XXXX XXXX XXXX payment bringing my student loan balance down from {$43000.00} to {$26000.00}. My loan was put into repayment status on that date too. 

It took Equifax 27 days to respond to my XX/XX/2019 dispute. In the meantime, my student loan servicer began reporting my loan balance and payment status correctly to all 3 credit reporting bureaus on XX/XX/2019. My Equifax credit score rose 16 points on that date. 

On XX/XX/2019, Equifax claimed that they verified the loan balance and payment status with my servicer ( XXXX XXXX ) however they obviously DID NOT as on XX/XX/2019, Equifax added the {$17000.00} back to my loan balance and put my repayment status back to in deferment. As a result of this error, my Equifax credit score has now dropped 16 points. The other 2 credit reporting agencies di NOT do this, only Equifax! 

In addition, I made a {$100.00} EARLY payment on the loan which was applied to my account on XX/XX/2019, by my loan servicer, four days before Equifax falsely reported the information on my credit report. 

Equifax did not verify the balance, payment status, or recent payment with my loan servicer ( XXXX XXXX ) as they claimed that they did. I have attached the most recent account information and payment history directly from my student loan servicer proving that Equifax is falsely reporting my student loan account information and is unlawfully harming my credit reputation, my creditworthiness, and my credit score. 

I am in the midst of applying for a car loan. I need a reliable car to get back and forth to work. I should not have to wait another 30 days for Equifax to correct their unlawful mistake so that I can qualify for a lower interest rate on a car loan. 

Had Equifax truthfully verified the data with my loan servicer, they would not have reported the old, outdated information. They should have verified that my student loan servicer had already fixed the incorrect data and it was being reported correctly on XX/XX/2019. Instead, they have unlawfully harmed my credit score! How many other consumers are suffering because of their false reporting?
Consumer complaint received 2019-07-19
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. (FL)

Equifax ; XXXX and XXXX are reporting incorrectly on the XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) I never authorized this account to be opened ; I never signed these documents ; and consequently my signature was forged. I have attached a copy of the XXXX Retail Installment Contract and Agreement dated XX/XX/2018. I have contacted the ( 3 ) bureaus to have this issue resolved, however I have not been successful. Reporting of this fraudulent account is hurting my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/17 there was a Counter Credit Deposit of {$8500.00} and on XX/XX/17 a Counter Credit Deposit of {$1800.00} that were not requested or authorized by myself but by my father XXXX XXXX without my permission .On XX/XX/17 There was a withdrawal of {$100.00} at BOA ATM in Washington DC , on XX/XX/17 Return Item Charge back of {$8500.00} and another ATM withdrawal of {$1000.00} at a BOA ATM in XXXX XXXX , MD, all of which I was not present for. During the time of these events I was a on campus student at XXXX XXXX XXXX but on my Bank of America acct I used my mother and fathers home address. I left personal info such as mail and birth certificate and social security at my fathers address because I did not deem it responsible to keep at a campus where other people would have access to my locker. At some point my debit card was left home when I visited for a weekend and My father utilized my personal information in order to have money sent to my account, one of which was a fraudulent check of {$8500.00} which caused my bank account to be closed. There has been fraud placed upon my name for actions I did not partake in and it now hinders me from applying for most credit.
Consumer complaint received 2019-07-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Signature Home Lending Inc (LA)

Here is the issue ... there was apparently not a complete inspection done on this house, as after i closed on the house I fount that the appliances that came with the home did not work, and there was a lot of things still left incomplete construction on this home and then on XX/XX/XXXX the homes price went from XXXX to XXXX during the time I was in closing on the home and they never lowered the cost of the mortgage at all during that time and still charged me XXXX for a home that was not worth that price as the home had lowered in cost not to mention the broken appliances in the home and the unfinished work in here. tHEY ALSO NEVER DISCLOSED THE FACT THAT THE HOME WAS FLOODED AT SOME POINT and they did try to hide this fact with paint on the interior of the home. they never told me that I could get an independent appraiser for the home and did not tell me I could get my own realtor either. They kept the home on the market the entire time I was purchasing it and only recently did they change that to pending sale and I have already closed on the house. I have written to the realtor involved about the broken appliances and the water damage as well and he just brushed me off and said I should be grateful to own my own home. I just closed on this home on XX/XX/XXXX and I need help for this situation ASAP! I lost a whole lot of money by buying this home since my mortgage loan is XXXX, and the home is only worth XXXX and actually less than this as there are many many things wrong with this house.
Consumer complaint received 2019-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Duncan Solutions, lnc. (MD)

I have a motor vehicle ticket that is being collected by Professional Account Management LLC ( Telephone XXXX ) I was advised over the phone of their dispute process and was told that the resolution period for disputes is 60-90 days. When asked if the dispute process could be seen in writing, I was advised that I would have to send a letter asking for written verification of the process. However, that process would also take 60-90 days. 

The company has no written statement available to consumers to understand the dispute process and what type of supporting documents are required for generating a dispute. This leaves consumers at a disadvantage when trying to initiate such disputes and find a resolution within a timely manner.
Consumer complaint received 2019-07-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Diversified Consultants, Inc. (CA)

XXXX XXXX I tried to dispute a debt that I had no knowledge of I recently lost my wallet and possibly someone tried to open something I didn't not do it and the company repersitive was rude and very loud said my credit was gon na be effected
Consumer complaint received 2024-03-06
Product: Credit reporting 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. (NY)

There are unauthorize hard inquires from XXXX XXXX, XXXX XXXX on XX/XX/2023. I did not apply for credit from these institution, And call trans and wrote letters to Transunion to file a dispute, But they ignore my complaint and the hard inquires remain.
Consumer complaint received 2019-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I am receiving letters from XXXX XXXX XXXX and XXXX XXXX XXXX   regarding the same debt. I sent them a letter on XX/XX/2019 that this debt was assigned to my ex-husband in our divorce. Yesterday, they sent me a letter with falsified information and my signature was forged. This is a very serious problem and I would like it addressed.
Consumer complaint received 2019-07-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (CO)

I am on income based repayment ( IBR ) with a payment of {$190.00} per month. There was a one month delay in re-certifying my IBR payment so my monthly payment went to {$490.00}, about 2.5 times a normal monthly payment as defined by my income guidelines. I have asked to deffer/forbear or any other type of relief in regards to the one month payment of {$500.00}. I have been told I can not and must pay the {$500.00} in addition to my monthly payments or default ( over {$700.00} ). I have been making IBR payments for 10 years and now I risk on defaulting because of the additional {$500.00}. please help. 
My servicer is Nelnet
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have been recently denied or not approved for two rental units in the past month, the most recent application was on XX/XX/2019 for {$65.00} via a computer application called XXXX or Transunion Smart Move. I requested my background check report from both entities and associated third-party " background check '' or tenant screening services. Regarding my application on XX/XX/2019, I obtained something titled an " Eviction Report '' from one of those companies, Transunion Rental Screening Solutions, Inc. I found that this report is wholly incorrect as to the public information contained within ; the report lists one public record, an eviction, that does not even exist, and it lists the SAME one eviction case I do have on my record, three separate times with the same case number, amount owed, etc .... so, instead of the one item that should be on the report, instead it looks as if I have FOUR evictions on my record! I have attempted to contact the company for advisement on how to correct and I have been in an endless loop of transfers to different departments
Consumer complaint received 2017-07-23
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. (CA)

It said that this account was open 2015 and i owe XXXX that is incorrect ive went to the company and they said theres know such thing. I DO N'T owe them nothing they owe me XXXX. I WANT this off my report ... Its false information. I 'm attaching the paper that was given to me by XXXX XXXX XXXX XXXX showing i dont owe them anything they owe me, the date is on there when i went in person.
Consumer complaint received 2019-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I am receiving letters from Resurgent Capital Services and XXXX XXXX XXXX   regarding the same debt. I sent them a letter on XX/XX/2019 that this debt was assigned to my ex-husband in our divorce. Yesterday, they sent me a letter with falsified information and my signature was forged. This is a very serious problem and I would like it addressed.