davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
Consumer complaint received 2021-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have called 5/3 3 times over this issue, and spoken to 2 agents in their live chat and they still refuse to fix this. I closed my credit card which still has over {$7000.00} in debt on it about a month ago. The card ends in XXXX. When they closed it they make COMPLETELY inaccessible. Cant look at it at all on the app, and can only look at some things on the 53.com site. They make it so I literally cant see when theres knew interest charges, or late fees which Im horrified may happen because they make it IMPOSSIBLE to pay the monthly bill on. They tell me I can pay the bill by sending a check. I dont have any checks cause this isnt 1995 and so I wouldnt get the checks in the mail for the next month. They say I can pay at a branch. How archaic. ALL the branches are only open by appointment and I am across the country no where near a branch for a funeral and wont have acces to a branch for AT LEAST ANOTHER MONTH.

This is pathetic. WHY in gods name would you make it so I CAN NOT PAY YOU!

This is to 1 ) make you finally reopen the account apparently so I can give you money. You want money dont you? MAKE IT ACCESSIBLE 2 ) to prevent any late fees due to you inaccessibility and inept why of doing things Ive done credit cards with every major card in XXXX, XXXX, and XXXX XXXX. No one has ever stonewalled me from paying them like this
Consumer complaint received 2022-12-03
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. (TX)

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the last letter last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX : {$790.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance XXXX {$6700.00} ; XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$450.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX
Consumer complaint received 2015-05-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Credit agency ( Trans Union ) has reported an installment loan from a " sub prime '' lender ( XXXX XXXX XXXX ) that negatively effects my credit rating ( which does not belong to me ) and claims they have verified with XXXX XXXX that the transaction is mine. I tried to contact XXXX XXXX XXXX at the address given XXXX XXXX XXXX XXXX XXXX, Ia. XXXX XXXX XXXX XXXX ) and there is no XXXX XXXX Office in that town and the phone # sounds like a fax signal. Trans Union offers to submit dispute electronically ( XXXX time and expects to get a different response ) but will only submit Social Security number info ca n't or wo n't ask for contracts or name and address or any other pertinent information. So the disputed transaction ( even though the account is closed and does n't belong to me ) stays on my credit report as a negative factor.
Consumer complaint received 2022-12-03
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. (TX)

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the last letter last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXXXXXX 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
Consumer complaint received 2021-03-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This is a business debt. I disputed previously disputed this through XXXX XXXX which is XXXX. As you can see by the attached documentation they changed it to a joint responsibility, While still incorrect, they concluded their investigation that this was correct. Only to change the status back a few days later. I disputed again, it changed again, then a few days later it changed back. 

I sent a dispute on the XXXX of XXXX to XXXX  and have no received a response. It's been over 30 days. 

They have a responsibility to only furnish correct information. Not whatever they want it to be to satisfy their claim. When these changes occurred they had 5 days to notify me. It never happened. This is a clear violation of the FCRA. 

Not to mention as you see from their response, it never speaks to the responsibility for the account. I ask that this is removed from all 3 bureaus immediately, as this erroneous information injuries my credit reputation.
Consumer complaint received 2022-12-03
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. (WI)

On XXXX XXXX XXXX  I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XXXX XXXX XXXX Balance : {$570.00} ), XXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX XXXX Balance : {$6400.00} ), XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX XXXX ) , XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX XXXX XXXX ) , XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX. ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

XXXX lt has a derogatory account on my credit report. the information is wrong because I paid the amount that I owed in full in XXXX of XXXX the account number is # XXXX.
Consumer complaint received 2022-01-25
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. (KS)

It has been over 120 days since i have been trying to get Experian to address inaccurate information that i found on my credit report. My first letter was sent to them on XXXX and i simply asked them to verifity that the information on there was correct. They never verified the information or send me proof of verification, or even the method they used to verifiy the information. I've sent certified mail on XXXX as well as every 30 days inbetween XX/XX/XXXX and XX/XX/XXXX. I also reached out to some of the companies that were reporting the information prooving that Experian is reporting inaccurate information on my consumer credit report. To this day Experian has yet to send me any information regarding their investigation. The simply report " XXXX  by consumer '' on my credit report. How is this legal? This defineitely does not follow Compliance Procedures when it comes to accuracy, communication or time of the investigation. They are knowingly and wilfully reporting false information which is causing me stress and hurting my abillity to get a promotion at my job. I know Experian has a huge responisibility when it comes to consumer reporting, but they have failed to do that with me. Either they are simply lying to me, or they just aren't doing their job according to the Fair Credit And Reporting Act. I need you to help me get them to remove this information becuase it has been reporting inaccurately for way too long.
Consumer complaint received 2024-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

Ive been trying to get my student loan payments set up since XX/XX/XXXX. On XX/XX/XXXX I applied for the new SAVE plan ( income driven ) and was pre-approved with a payment amount of ~ $ XXXX. It took over a month for the SAVE application to process. Once processed, my payment amount went up to $ XXXX. I can not afford this. I spent hours waiting on hold and talking to different Mohela representatives, but nobody could tell me why my payment increased by over 2x, or how to fix it. I was told Id have to re-apply and wait another month for the SAVE application to re-process. 

I decided to apply for a traditional payment plan ( not income based ) on XX/XX/XXXX to avoid another month-long wait and processing error with the IDR plans . The plan I chose is the graduated extended plan, with a payment of $ XXXX. 

At the time of this writing, not only has my graduated extended plan NOT yet been processed and approved, but Mohela is still showing my monthly payment as $ XXXX starting XX/XX/XXXX. And my forbearance has ended, even though Mohela is still processing my application all these months later. 

Ive sent 4 messages through Mohelas website ( first message sent XX/XX/XXXX ) and none of my messages have been responded to. Every time I call, Im on hold, sometimes for several hours, and given the run around, told to be patient, etc. Ive been very patient, but at this point this is totally unacceptable, and worrisome to have my student loans managed by such an unorganized company. I requested to be transferred to another servicer, but nobody from Mohela could tell me how to do this. I want my graduated extended plan to be processed and officially approved so I can start making payments. I also need information on how to get my loans transferred to a better servicer. Please help me : (
Consumer complaint received 2022-10-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-24
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: EQUIFAX, INC. (FL)

I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX in response to a complaint made Previously to the CFPB regarding fraudulent inquiries showing on my credit report. In the letter XXXX asked the credit reporting agencies to mask these inquiries. These items were removed later in XX/XX/XXXX. 

These items were dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX I was doing business with my bank and a credit report was pulled from Equifax which once more showed the old inquiry from XX/XX/XXXX and a new fraudulent one from XX/XX/XXXX. 

I reported these inquiries to XXXX, who said that they would once again send requests to Equifax to mask these as they were fraudulent. I have NEVER applied for any form of credit from XXXX nor XXXX, which is the source of ALL of these inquiries. I also obtained reports from XXXX  and XXXX  which showed none of these inquiries. 

I filed an on-line dispute at www.investigate.equifax.com on XX/XX/XXXX concerning these inquiries. On XX/XX/XXXX I received an email from Equifax informing me that the dispute had been completed along with a confirmation number and a link to obtain the results. 

When I accessed the link, I was required to fill out an on-line form with basic information. Upon submitting the form, the system response was that it was unable to provide me the information requested and provided a phone number to call. 

I called the number and after about a half an hour of grilling by a representative, I was told that they could give me no further information. 

Today XX/XX/XXXX, I received another email reminder from Equifax, requiring me to access the link for the results of their investigation. I repeated the on-line process of filling out the basic information, but when it was submitted the system responded that it required more information and proceeded to re-display the SAME screen which I had just correctly filled out. 

I understand that since the data breach in XX/XX/XXXX that Equifax has been under a great deal of pressure, but their lack of timely responsiveness is causing many peoples ' lives to be negatively affected, as evidenced by the number of class action lawsuits against their company for incorrect or inaccurate information on their credit files. 

I have Locked my credit files on ALL three bureaus. I have also made a report to XXXX concerning these fraudulent applications and I am awaiting a response from their security team.
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notified the agency, directly or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information or delete the item from the file in accordance with paragraph five before the end of the 30 day. Beginning on the date on which the agency receives the notice of the dispute from the consumer or a reseller. Please see attached file. 

The close dates are different from each bureau. 
The last report date is different from each bureau. 
The payment data is different from each bureau. 

Account : XXXX XXXX  XXXX Account number : XXXX
Consumer complaint received 2021-03-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Business Corporation (GA)

I have a mortgage with SWBC mortgage and have for about 5 years. In XXXX I took advantage of the Covid forbearance program due to lost of income and increase in expenses. 

I put in an application for modification to start paying back on my mortgage in XXXX. I submitted ALL documents asked for, I have the email to prove. Later I was asked to submit a document from my husbands previous employer on their company letterhead stating that my husband no longer works for the company and validation of expenses " documentation can be in form of bills, statement or bank statments ''. I let SWBC know that this is something that I wasnt able to provide, his company did not let him go in a letter, they are not even in business anymore. I did however attached his tax documents for receiving unemployment in XXXX. I spoke with a representative on the XXXX and asked was that sufficient and was told that that is enough to show lost in income. 

Email 4 is when i sent the unemployment stub on XX/XX/XXXX. 
Email 1 shows utility bills sent XX/XX/XXXX. 

*Note* my husband is not even on my loan as a borrower or guarantor. 

Everytime I ask for a supervisor they say I have to wait 48 hours and I NEVER receive a call. I call the customer service the rep tells me they are working from home so its no way to get supervisor help or ask the underwriter specific questions. I do have a hud counselor involved now but things are not moving. This is my home! I dont understand why they will not take unemployment documents from the government to prove that he was unemployed instead of a letter. 

I have attached all documents submitted by email with time stamp.
Consumer complaint received 2019-07-30
Product: Payday loan, title loan, or personal loan — Installment loan
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (CT)

My due date is the XX/XX/XXXX of each month, but I was told if my payment was not received by XX/XX/XXXX for example, it would be reported 30 days late to credit reporting agency. My math says Im only 21 days late.
Consumer complaint received 2024-02-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Michael Wayne Investment (NY)

Been garnished for property that was sold 16 years ago and no longer in possession of. Never received any letters or communications from the creditor before I was served after it went to court and the debt isnt on my credit report. Theyve garnished my 4 times in the past before and they continue to do so til this day. The debt has been paid off.
Consumer complaint received 2019-05-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (MI)

I received a threatining collection letter from afni collections alleging I owe XXXX XXXX XXXX and/or XXXX XXXX {$6900.00}. I have never had any dealings with either of these people and legally they have no basis to threaten me with collection
Consumer complaint received 2019-07-30
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

On XX/XX/2019 the company called my work phone after I had requested them not to in a previous phone call last month. I filed a complaint after that phone call for threatening language about my job. They lied about the transcript. And now they have called my work line again, knowing it is a work line and is not private. It is a shared phone line located on a coworkers desk in a roomful of people.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (KY)

I chose the option closest to my situation. I find myself in a unique situation. I have been traveling extensively for work and admittedly did not pay close attention to my bank account statements. XXXX XXXX notified me that Since XXXX of XXXX, there was a ACH debit charged to my account monthly for a XXXX XXXX Credit Card through XXXX XXXX totaling {$1000.00}. I called my bank and they disputed charges from the last 60 days. I cancelled my Debit Card with XXXX XXXX and ordered a new one. I then contacted Synchrony Bank on XX/XX/XXXX letting them know what was discovered. On XX/XX/XXXX, XXXX XXXX verified that I do not have any credit cards opened in my name and that I needed to fax a statement and proof to their fraud department. I did so, and was informed that I needed to dispute the charges through XXXX. I explained that XXXX XXXX XXXX policy is that they will only credit erroneous transactions for the last 60 days. I was then told by XXXX XXXX XXXX Fraud Department that they would not reimburse me for charges erroneously made and to see if I could get XXXX to extend the 60 days for credits.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.