davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2022-11-12
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. (CA)

XXXX Equifax XXXX XXXX have been put on notice over 30 days ago in regard 's to three collection companies that are unlawfully violating the fair credit reporting, again I have sent out legal documentation letters and corespondences XX/XX/XXXX asking them to take action and remove derogatory unlawful reporting is now going on 60 days and still reflecting on profile again I sent out court orders/case number and relevant information to remove imediatly XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX all three credit bureaus should receive Thursday XX/XX/XXXX and should immediately remove from report, the bureaus have stalled time after time regenerating 30 day investigation my documents qualify for immediate removal
Consumer complaint received 2019-06-21
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 late payments on the XXXX/XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) These education loans came of out deferment status. There was an email sent notifying me of the status, however the email went to a SPAM folder. I never received the email notification and was not aware there was an issue until I received a telephone call. I immediately took care of the issue and was assured that my account would be corrected and the lates would be removed from my credit report since I never received any notification. To date the lates are still being reported. This incorrect reporting is harming my credit score. Please delete these lates from my credit report.
Consumer complaint received 2019-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

I made payments to Chrysler capital in advance. They applied the payments to the principal and not actual payments and applied late fees for the months that were paid in advance. I contacted customer service and supposedly the corrected the issue and removed the late fees. However I keep receiving bills stating I still owe the late fees
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WI)

I AM A SENIOR CITIZEN THAT HAS BEEN SCAMMED BY SEVERAL COMPANIES FROM XXXX TO XXXX. I HAVE PAID OVER {$17000.00} TO THESE TIME SHARE COMPANIES AND THEY HAVE DID NOTHING AT ALL. THEY WERE ALL MISLEADING AND I HAVE TRIED TO GET A REFUND FROM THEM AND MY CREDIT CARD. I HAVE BEEN UNSUCCEFUL. I HAVE ALL THE INFORMATION ON EVERY COMPANY THAT I HAVE PAID.
Consumer complaint received 2019-06-21
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. (FL)

XXXX  ; Experian and XXXX are reporting incorrectly late payments on the XXXX/XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) These education loans came of out deferment status. There was an email sent notifying me of the status, however the email went to a SPAM folder. I never received the email notification and was not aware there was an issue until I received a telephone call. I immediately took care of the issue and was assured that my account would be corrected and the lates would be removed from my credit report since I never received any notification. To date the lates are still being reported. This incorrect reporting is harming my credit score. Please delete these lates from my credit report.
Consumer complaint received 2019-06-21
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: CL Holdings LLC (FL)

There are 2 credit accounts for XXXX XXXX on my report currently I disputed for accuracy. I disputed these along with several others that were fraudulently placed on my credit report by that company for accuracy. I disputed these in XX/XX/XXXX or XX/XX/XXXX and did not get a response until XX/XX/XXXX. They did not comply with the time periods to respond to my disputes, they are in violation. I have redisputed this several time for them to remove the credit completely from my report as a result of their neglect to respond to my dispute within the legal time allowed by Law.
Consumer complaint received 2021-06-11
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. (NY)

I XXXX XXXX. I am a victim of Identity theft. I have enclosed a notarized Identity theft Affidavit proving it is in Fact me that submitted this report I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2021-06-11
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-03-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

Citizens is deducting taxes from my monthly payment and I am tax exempt as I am 100 % XXXX from XXXX. I have reached out to citizens more than 10 times since last XXXX faxed numerous documents from the tax accessor XXXX cty. No response from citizens. They should not be holding my money in escrow and reset my monthly payment. I can never get a straight answer when I call them.
Consumer complaint received 2019-06-22
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. (TN)

XXXX XXXX  XXXX {$200.00} XXXX XXXX XXXX {$1900.00} These were reinserted on my credit report after being deleated. I was NOT notified that they were reinserted, if not removed I will hire an attorney because of improper reinsertion of FCRA rules. 

I have attached before and after credit report showing it was deleated and has now been reinserted without notice. 

Equifax keeps messing with my credit again, reinserting things that have been gone for a couple years reappear then are deleated again.
Consumer complaint received 2022-11-12
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX Experian have been put on notice over 30 days ago in regard 's to three collection companies that are unlawfully violating the fair credit reporting, again I have sent out legal documentation letters and corespondences XX/XX/XXXX asking them to take action and remove derogatory unlawful reporting is now going on 60 days and still reflecting on profile again I sent out court orders/case number and relevant information to remove imediatly XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX all three credit bureaus should receive Thursday XX/XX/XXXX and should immediately remove from report, the bureaus have stalled time after time regenerating 30 day investigation my documents qualify for immediate removal
Consumer complaint received 2021-06-11
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 — Their investigation did not fix an error on your report
Company: Stuart-Lippman and Associates, Inc (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (TX)

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 XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What XXXX XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX  consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be XXXX in. they are causing me XXXX XXXX  and stopping me from getting this job offer XXXX now im homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2020-09-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular law abiding consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single mother to a baby girl, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.
Consumer complaint received 2022-12-14
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What XXXX XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are XXXX  consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be XXXX in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2019-06-21
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. (PA)

Transunion shows that I was 30 days late XX/XX/2013 for a mortgage payment to XXXX XXXX. I previously notified Transunion and the mortgage company that I was never late paying and that the information is incorrect and I was informed that the matter would be investigated and corrected. However, the incorrect information remains on my credit report.
Consumer complaint received 2019-06-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

Once again they are using payment funds how ever they want - they say I owe my full mortgage amount for XXXX on XX/XX/XXXX - but I will already be paying the XXXX mortgage payment. Please review the attached file for payments made for this loan. I did not choose to be this companies customer I was financed with another company - I am really tired of their fraud and theft of mortgage funds.
Consumer complaint received 2023-05-20
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 Reported : XX/XX/XXXX - {$500.00} Closed Overview You're currently using 169 % of your account 's limit. 

Balance {$500.00} Credit limit XXXX XXXX Monthly payment {$0.00} Opened XX/XX/XXXX ( 2 yrs ) Payment History Last payment XXXX XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$500.00} Worst Payment Status No Info Account Details Account status Derogatory Type Credit Card Responsibility Individual Remarks Charged off as bad debt Dispute resolved; reported by grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Manhattan Beach Venture, LLC (KS)

On Thursday, XX/XX/2019, I reached out from XXXX from XXXX XXXX indicating that I received a notification from Navient that my loan payment was late and that my understanding was that I entered into an agreement to pay the {$39.00} per month for a certain amount of time to get my loan forgiven. I knew that my payment was not late as the {$39.00} payment was and still is autodrafted from my banking account every XXXX of the month. He stated " I'm not sure why they would request payment. It looks like we just did a recert for you. '' I am in the process of purchasing a home. My lender contacted me on Wednesday XX/XX/2019 indicating that XXXX has reported my loan as past due 60-90 days. I again reached out to XXXX via email and telephone. He provided me with notices from XXXX on both both XX/XX/XXXX and XX/XX/XXXX stating that I was in good standing and further that my past due balance was XXXX. I'm not sure why only one of the three credit bureaus is reporting my student loans as past due. I am not sure if XXXX XXXX is a legitimate company. I have paid them for over a year and when I recently reviewed my portal, none of my student loans are even listed on the XXXX XXXX website. I have been paying them to manage my student loans so that they can be forgiven and I do not know what the status of the forgiveness or the balance.
Consumer complaint received 2023-05-20
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. (NV)

Dear XXXX 
Account # - XXXX XXXX XXXX XXXX, consumer and natural person, am aware of all my rights. Rights protected by congress under the Fair Credit Reporting Act ( FCRA ) In accordance with the Fair Credit Reporting act XXXX XXXX Account # - XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan AS LATE FOR ANY PURPOSES.
Consumer complaint received 2020-09-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular law abiding consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single mother to a baby girl, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.
Consumer complaint received 2020-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (KS)

On XX/XX/XXXX, I discovered that my account with my federal student loan provider - FedLoan Servicing - was simultaneously paid ahead as well as two days past due. I have never paid ahead, nor have I missed a payment, during my entire history with this company, dating back to XX/XX/XXXX. In fact, I have consistently made the minimum monthly payment as determined under the terms of my income-driven repayment plan well in advance of each month 's due date. In XX/XX/XXXX, I resumed XXXX coursework at the University of XXXX, taking six total hours of classes for the Spring XX/XX/XXXX semester. I discovered in XX/XX/XXXX that my loans had been placed in in-school deferment. I wished to continue paying as normal, so I contacted FedLoan and submitted the necessary paperwork to have the deferment removed, backdating to XX/XX/XXXX. Since that time, however, I've dealt with a series of errors, beginning with my account showing as " paid ahead '' around XX/XX/XXXX. I spoke with a loan counselor in XX/XX/XXXX to resolve the issue, and continued to make my monthly payments as usual. Since I discovered the XX/XX/XXXX error, I've spoken with at least four different loan counselors and have received varying explanations and solutions, including the following : - Loan payments were misapplied, and would need to be manually reapplied, dating back to XX/XX/XXXX ( XX/XX/XXXX ). She informed me that this process would likely take 7-10 business days. 
- In pursuit of an update on the reapplication of my payments, I spoke to a loan counselor from the PSLF program on XX/XX/XXXX. According to him, one part of the system was showing as past due, while the other was showing as paid ahead. Should be fixed as of this morning ( XX/XX/XXXX ), but will call back tomorrow if not. 
- The loan counselor I spoke to on XX/XX/XXXX - XXXX, ID # XXXX - did call back on Friday, XX/XX/XXXX, and left a voice message. However, when I called FedLoan, I spoke to a different counselor who said that only the XX/XX/XXXX payment needed to be reapplied, offering two solutions : 1 ) go ahead and pay the {$76.00} that was supposedly " past due '' - an amount that has fluctuated from day to day - or wait a month to process a reapplication of the XX/XX/XXXX loan payment. I selected the latter. 

As of Saturday, XX/XX/XXXX, it appears that only the " paid ahead '' error appears to have been resolved. However, my online account now shows that I apparently owe {$100.00}, and that my account has jumped from 10 days past due as of yesterday to 42 days past due.