davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-15
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. (GA)

I submitted a dispute through XXXX on XX/XX/2020 and received investigation results on XX/XX/2020 on XXXX.com stating the two items had been removed but only shows on the website. However, when I've disputed items before I received a pdf with the investigation results that I am able to keep with my personal records. When I asked XXXX, they stated I would have to reach out directly to TransUnion to receive that info via a printable document. Upon reaching out to TransUnion, they stated they sent to me via email, and I stated I never received and asked them to verify what e-mail they sent to so that I could verify and see if that is where the error was. TransUnion could not verify or even see what e-mail they sent it to, and then I was told they can not re-send me a copy via e-mail or standard mail, UNLESS is it subpoenaed. I can't get a copy of investigation results??? This is absurd. I'm not asking to re-investigate or even dispute the investigation results, I just want a copy of something saying that, as I have received when disputing items previously. This is completely absurd.
Consumer complaint received 2023-03-10
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. (WA)

I am a natural person, a living human with rights under 15 USC 1681 Equifax is governed by USC 1681 and they have violated my rights to privacy numerice times. 



I did not give equifax permission to furnish these accounts XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

From XX/XX/2020 to present I've submitted disputes to Commenity Bank and XXXX regarding my Victoria Secret Account reporting past due for the month of XX/XX/2020. Commenity provided me with a letter dated XX/XX/2020 that they was removing the last reporting and contacting the three credit bureau. See letter attached. When closing on my home, I was unable to close and lost monies because XXXX XXXX who confirms they received the letter stated the last four digits of the account number was no the same on the report. I submitted the dispute and they indicate that Commenity Bank never responded to the dispute. It is my understanding that if no response is made within the 30 days then it should automatically be removed. XXXX XXXX is stating this is incorrect. 

I contacted Commenity Bank and explained that the letter had a different account number. According to Commenity Bank, new account numbers were sent to cardholder once they took over and the account number should not matter because the old account number is linked with the new account. Old account number XXXX and new account number is XXXX None of this is making sense, but I know that I've lost my deposit for closing due to no one complying with the Fair Credit Reporting Act.
Consumer complaint received 2019-01-25
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: WELLS FARGO & COMPANY (OK)

AFTER REVIEWING MY RECORDS I FOUND CHARGES ON MYCREDIT CARD I DID NOT APPROVE SO I CALLED WELLS FARGO AND LET THEM KNOW. THEY PROMISED I WOULD HAVE THE CREDIT WITHIN 7-10 DAYS, AFTER 14 DAYS I THEN CALLED AGAIN AND THEY SAID THJAT THE FIRST PERSON I SPOKE TO NEVER PUT THE FRAUD CLAIM IN SO THEY THEN TOOK THE CLAIMS AGAIN FOR XXXX XXXX XXXX {$2100.00}, AND XXXX XXXX XXXX {$790.00}, XXXX XXXX XXXX {$740.00}, AND XXXX XXXX XXXX {$39.00}. THEY SAID IT WOULD BE RESOLVED AND I WOULD BE CREDITED IN 7-10 DAYS THEN A FEW DAYS LATER I AM TOLD THAT IT IS TO OLD, AND THAT THE COMPANIES CLAIM THAT IT WASNT FRAUD. FOR STARTERS BEFORE I CALLED I DID RESERCH ON EACH COMPANY TO MAKE SURE I DIDNT KNOW WHO THEY WERE AND MOST ARE SCAMS THAT ARE NO LONGER IN BUISNESS SO HOW COULD THEY SAY THAT I OKED THE CHARGES AND SECOND IT SHOULDNT MATTER HOW OLD THEY ARE I DID NOT APPROVE THEM AND MY BANK IS SUPPOSED TO COVER ME FOR 7 YEARS. HONESTLY I FEEL AS THOUGH I AM BEING BRUSHED ASIDE ANDI WILL NOT STAND FOR IT.
Consumer complaint received 2019-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

IQ Data ( aka XXXX ) Is attempting to collect on a debt they say originated fro XXXX at XXXX XXXX XXXX. This is the incorrect plaintiff in the action. The debt allegedly owed is not verifiable as the court documents are being contested : Wrong amount, incorrect plaintiff, incorrect dates. 

IQ Data maintains that the date of the owed amount is XX/XX/XXXX which conflicts with the already incorrect court documents that they are using as verification of debt. XXXX of XXXX XXXX XXXX is not the lien holder of the alleged debt and is not on any stipulation documents for this issue. 

I have the original documents from the court. As it stands IQ Data uses threatening language and refuses to allow me to provide the information to dispute the debt or any avenue to do so. I am simply talked over and threatened by the staff answering the phone. My attorney for the original issue stated that the debt has to have the proper lien holder, dates of the amount due, and proper amount.
Consumer complaint received 2020-09-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

I applied for an interest rate reduction refinance loan ( IRRRL ) when rates were at 3 %. The best the bank was able to give me based upon zip code was 4.6 %. I happen to own another house in a different state and location and the rate was quoted as low as 2.9 %. I feel one of my properties is being treated as a redline due to the outrages rates.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (FL)

I have an issue with my XXXX credit report, it's showing that my closed account with DITECH is paid but foreclosure procedures started in XX/XX/XXXX. This is incorrect information as the account was paid in full in XX/XX/XXXX. I have disputed this information for the first time in XX/XX/XXXX I have a letter from DITECH supporting this information and I have presented this to XXXX. The dispute results states that they contacted DITECH and they said the report is correct despite the legal document that I have, signed by DITECH and issued onXX/XX/XXXX stating the contrary.

I have contacted XXXX   multiple times to get help on this issue but they won't change the report affecting and damaging my ability to get any type of credit due to incorrect information in their report. In my last call to XXXX ( XX/XX/XXXX ) the operator told me that i have to contact DITECH as they can not change my reporting even with the legal documentation i have provided showing the opposite.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

This complaint is against the following lender : Santander Consumer XXXX XXXX XXXX Ft. Worth, Tx XXXX Santander Consumer is reporting a vehicle loan as charged off, showing a {$29000.00} balance on a car that was voluntarily surrendered XX/XX/XXXX. It was then sold ( supposedly ) on or around XX/XX/XXXX. This item is reporting as a charge-off, but I am disputing the accuracy of this item, because I believe the company is reporting this item in error, and it should be removed. 

The company states they sent information regarding the sale of this vehicle, but it was never received. For a situation of this nature, it would have been in their best interest to have sent it certified, to ensure that it was received properly. There was never notification that the car was being sold, when or to whom and for how much. 

The letter dated regarding the sale of the vehicle I was recently sent ( XX/XX/XXXX ), was dated for XX/XX/XXXX. The vehicle was picked up on or around this date, so how could they send a letter notifying of a sale if the car was picked up days before this letter was supposedly generated. That A " voluntary repo fee '' was assessed on XX/XX/XXXX, yet the sale of the vehicle was reportedly done around XX/XX/XXXX of XXXX. Basically, the time of voluntary repossession, notification of sale and actual sale, I believe violates my rights as a consumer. 

This company did not grant any of the following during the course of the repossession and sale of the vehicle when asked. There was no verification, or validation of why this item is being reported and how they are lawfully reporting this item on my credit report. 

*EFFECT OF ERRORS OR OMISSIONS *NOTIFICATION BEFORE DISPOSITION OF COLLATERAL *TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL *CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I would like to have this issue investigated immediately. This is a predatory loan company and their integrity has been in question quite often over the last few years. Please investigate, as they are not being of any assistance in trying to get to the bottom of this matter.
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I do not recognize this company and I do not owe them, remove this from my credit report..I already sent letters to the credit bureaus to no avail..CFPB step up and remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Last XX/XX/XXXXI started a Home Loan Modification with Mr. Cooper. During these many months I endured horrendous treatment. The service was so bad, the follow up non-existent. The number of calls I had to make to get answers ( which were never the same ), the amount of personal financial documentation the was lost and resubmitted, the hours on the phone being passed around and disconnected, the lack of any kind of policy that requires their employees to return voice mail messages ... I am certain I am leaving out so much due to having to " let go '' of the stress this company caused me, unnecessarily I might add. NOW, someone at Mr. Cooper has gone into my online account and added an Escrow account that was agreed upon that I don't need. I pay my taxes in FULL and ON TIME every year for the last 17 years. Please see attached payment history. I can not afford the payment they are requiring now - it's hundreds of dollars more each month. It was explained to a supervisor many months ago, that I have a non-liquid account where I pull out property tax funds twice a year without penalty. I pay my property taxes this way since my husband passed away in XX/XX/XXXX. I CAN NOT AFFORD THIS MONTHLY PAYMENT WITH MY CURRENT SALARY. This escrow account for property taxes needs to be cancelled immediately. As agreed to last year by Mr. Cooper. I have called and left 2 messages for a gentleman by the name of XXXX. He doesn't return phone calls. My 3rd phone call was to their call center. I held for 32 minutes waiting for someone to answer, then spent another 30 minutes being placed on hold while a woman desperately fumbled around for answers and placed me on hold 5 times. When she finally came back for the last time she actually told me that they had paid my taxes for me and I now owed them money. Unbelievable. I am back in XXXX. TRAIN YOUR PEOPLE!!!!!!!!!
Consumer complaint received 2019-01-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (CA)

XXXX XXXX XXXX XXXX is reporting on my credit file. I have tried numerous times to get information from them but no answer. I have also disputed this account with the bureaus and the account is being validated but no proof has been sent to me. 

They are a collection company and reporting not only a balance but also a " past due '' balance as well as a late payment on XX/XX/2018. Collections agencies should not report a 30 day late as it is already in collection. 

The account needs to be reviewed for deleted or prof needs to be submitted to me as to the validation of this debt and payment history would need to be updated right away. 

I have attached a copy of my credit report which shows how the account is reporting on my credit. Page 1.
Consumer complaint received 2018-03-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (NY)

On XX/XX/XXXX I used Xoom a XXXX company which promises to pay money in overseas locations within minutes when u send money overseas to family and friends, I was charged fee, my family needed money to pay bills it was emergency but Xoom participated banks overseas refused to pay when recipient went to collect money, it's been more than 72 hours now and Xoom not just has failed to pay out the recipient but the banks Have refused to recognize and pay the recipient even with all the document and transaction details provided. 
I emailed Xoom several times and spend hours calling Xoom over and over again spoke to several people on including supervisors but they have failed to solve this transaction, it has cost me and family not just embarrassment, time and money it also has cost us fines for not making payment on time overseas. 
I haven't received any refunds or my family could collect funds which I have paid Xoom with fee.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Please see inquires listed below are not mine, i reached out to Equifax to have them removed asap. due to the fact that these are not my inquires. it is causing me great damage. by ruining my scores and i cant obtain a mortgage. 


XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX National Credit Card Cos.
Consumer complaint received 2023-04-02
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute several inquiries that have appeared on my credit report. As a responsible consumer, I am diligent about monitoring my credit report and ensuring that all the information reported is accurate. However, upon reviewing my report, I have noticed several inquiries that I do not recognize and did not authorize.

The unauthorized inquiries on my credit report have caused me significant concern as they could negatively impact my credit score and overall financial wellbeing. I have not applied for any credit or authorized any inquiries that would result in these entries on my report.

I have already contacted the credit bureaus to dispute these inquiries, but I have not received a satisfactory resolution. Therefore, I am seeking your assistance in resolving this issue and ensuring that my credit report accurately reflects my credit history.
Consumer complaint received 2019-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I am XXXX/XXXX of the XXXX XXXX XXXX, XXXX XXXX . 
The accounts that I opened on behalf of the XXXX  were taken over by two fired board members and a management company that also had been terminated. Chase bank took their one sided documents of proof and absolutely refused to accept any documents that I gave them in an effort to dispute what was done. 

I turned in, XXXX, real receipts, the businesss Bylaws, minutes from meetings, etc. yet I was told by the banks manager you must contact your board-theres nothing we can do. 

This board has refused to provide an IDR, which is a legal requirement, and REFUSED to communicate with me. 

Chase bank has given these individuals control over EVERYTHING in the accounts that I opened based on a one sided story and documents while REFUSING to accept my documents and information.
Consumer complaint received 2019-01-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Kentucky Higher Education Assistance Authority (UT)

I have Private Student Loans with Kentucky Higher Education Student Loan Corporation in XXXX, KY. I can not make the XXXX $ payment per month and they have threatened to take my taxes and garnish my wages. I have no other options but to default on the loans ... I am at a loss and need help!!!
Consumer complaint received 2023-01-26
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. (HI)

Experian need to remove and delete late payments. They are not doing Their job at all. They have not sent me any proof at all. Under the FCRA, the burden of proof lies on Experian you are the one allowing fraudulent information to report on my credit report.
Consumer complaint received 2022-08-16
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. (IL)

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 fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (OH)

I opened a credit card with American Express on XX/XX/XXXX ( card ending in XXXX ), which went into collections and resulted in a debt collection lawsuit being filed against me in XX/XX/XXXX ( XXXX County Common Pleas Court case number XXXX XXXX XXXX ). 

I also opened a credit card with XXXX XXXX XXXX on XX/XX/XXXX ( card ending in XXXX ), which went into collections and resulted in a debt collection lawsuit being filed against me in XX/XX/XXXX ( XXXX County Municipal Court case number CVF XXXX ). 

I settled both cases that year and I have since paid the debts off completely. However, American Express and XXXX XXXX XXXX both continue to report these accounts negatively. The negative reporting is driving my credit score down and I need the information to be updated with the CRAs to reflect that these disputes have been settled and paid in full.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX/XXXX XXXX listed multiple 30 day late payment on my credit report on XX/XX/2018 and XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on Experian, XXXX  and XXXX. Please remove the 30 day late payments from my credit reports.