davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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. (AL)

In this complaint there are accounts listed on my credit file that are NOT mine. Those that are mine have late payments and not once have they been late. Unauthorized hard inquiries I did not sign or give permission to pull my credit. All I require to be removed. No one including the credit reporting agencies were giving my permission or signed consent to list any of it on my credit. 

Permanently 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 Take off late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries to 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
Consumer complaint received 2017-08-26
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: EQUIFAX, INC. (CA)

In accordance with the NCAP ( National Consumer Assistance Plan ) which was implemented to comply with the CFPB ( Consumer Financial Protection Bureau ) consent order ( In the Matter of : Equifax Inc. and Equifax Consumer Services LLC ADMINISTRATIVE PROCEEDING File No. XXXX ) ; the minimum reporting requirements stipulate that data furnishers ( i.e., XXXX ) must report the following identifying information : Full name ( First Name, Middle Name or Middle Initial ( if available ), Last Name and Generation Code/ Suffix ), Address, Full Social Security Number, and Date of Birth ( mmddyyyy ) in association with a tax lien. If any of the above identifying information is missing in association with said tax lien it must be excluded from the consumers credit report. Equifax shall adhere to the new reporting standards outlined in the NCAP ( National Consumer Assistance Plan ) and remove tax lien case number XXXX from the consumers credit file effective immediately.
Consumer complaint received 2018-07-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

NAVIENT has been incorrectly reporting the original delinquency dates for two ( 2 ) old loans. 

I have contacted them multiple times over the past 2 years, showing them a letter from the Department of Education stating that the reporting period for these loans has expired, the history from the XXXX XXXX XXXX XXXX XXXX showing that their account information is incorrect. The customer service department for NAVIENT even found the original date of delinquency, and provided me with a letter regarding it. Despite this, the NAVIENT credit reporting department ( separate department with no phone support whatsoever ) has still not fixed the problem with the three bureaus. I've disputed the information over 12 times in an attempt to fix the issue. 

Most recent disputes : XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX ( redispute ) XX/XX/XXXX - XXXX  ( redispute ) XX/XX/XXXX - XXXX  ( redispute ) I sent a  certified letter straight to the NAVIENT credit reporting department on XX/XX/XXXX as a last resort. I received a generic canned message saying that " the information they are reporting is accurate '' despite the information I provided them stating otherwise.
Consumer complaint received 2022-01-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

My original loan amount was {$240000.00}. The following payments were made to XXXX before my loan was transferred to M & T Bank. 

{$1300.00} on XX/XX/2021 {$1300.00} on XX/XX/2021 for principal only {$1300.00} on XX/XX/2021 for principal only The last balance shown was {$240000.00}. 

Payments to M & T were as follows... 

{$500.00} on XX/XX/2021 for principal only ***Bank statement attached*** {$850.00} on XX/XX/2021 for principal only ***Bank statement attached*** {$1300.00} on XX/XX/2021 for principal only ***Bank statement attached*** M & T Bank statement dated XX/XX/2021 should have reflected an Outstanding Principal balance of {$230000.00} instead of {$240000.00}.
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

Experian website " credit dispute '' never works. it throws you to a page saying " we are experiencing technical difficulties and can not help you at this time. '' It does this ALL THE TIMe. I want an old bankruptcy removed should have dropped off my report 2 months ago : experian is making it impossible to get them to look at/correct by contstant website " sorry error '' URL when you click their " start new dispute '' button. 
thanks Bankruptcy chapter XXXX-discharged XX/XX/2009
Consumer complaint received 2018-07-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My husband got hurt in XX/XX/XXXX we were unable to make payments due to not receiving workers comp in a timely matter. I kept in touch with bank of america home loans the entire time from XX/XX/XXXX to XX/XX/XXXX when they wanted a reinstatement amount to reinstate the loan..which was close to {$15000.00}. and we have made payments on time since XXXX XXXX.. XX/XX/XXXX got a notice that our mortgage would be serviced by XXXX XXXX XXXX. I called XXXX XXXX XXXX and they told me that my loan was still with Bank of America Home Loans.. I called Bank of America Home loans and they ask me three different times did I file bankruptcy I said no.. All of mortgage information was wiped off my XXXX XXXX  XXXX account online.. I did file a complaint with XXXX XXXX XXXX of what I found and they haven't answered back. Our mortgage has been reporting to credit bureaus that our loan closed XX/XX/XXXX and showing a XXXX balance and it shows they had not reported for years on our mortgage and its showing under negative information on our credit reports .. I am sending the credit reports showing it says Bank of america closed ... I filed a complaint with XXXX and told me they would look into it and get back with us.. After filing complaint I got a postcard from BOA Home loans for us to retrieve a message through a message system. the message was we are sorry we forgot to inform you that your loan closed in XX/XX/XXXX. Well the problem is we only modified our loan once. and that was XXXX XXXX..Consumers are only allowed to modifiy their loans once in length of the loan ... but this message and along our credit reports show our loan closed XX/XX/XXXX and have been showing negative since that date with no reporting of us making payments since XX/XX/XXXX on time ... their was no modification done because there had already done a modification ... WE BELIEVE BOA AMERICA HOME LOANS WROTE OFF THE REMAINING INTEREST AT TAX TIME BECAUSE WE WERE UNABLE TO MAKE OUR PAYMENTS FROM XX/XX/XXXX TO XX/XX/XXXX WHEN THEY TOOK A LARGE AMOUNT TO REINSTATE OUR LOAN CLOSE TO {$15000.00} AND WE HAVE BEEN MAKING PAYMENTS ON TIME EVER SINCE. HOW CAN THEY CLOSE OUR LOAN AND REPORT XXXX BALANCE SINCE THAT TIME AND ITS SHOWING NEGATIVE AGAINST US ... THEY ARE STILL COLLECTING FROM US BUT SHOW A CLOSED ACCOUNT WITH A XXXX BALANCE. i FEEL LIKE WE ARE BEING SCAMMED THEY WROTE US OFF AS A BAD DEBT OR THEY COLLECT FROM PMI OR SOMETHING..THEY SENT THE POSTCARD TELLING US THEY FORGOT TO TELL US.. SO IF THATS THE CASE WE WANT OUR MONEY BACK THAT WAS PAID IN XX/XX/XXXX TO PRESENT.. THEY CAN NOT WRITE OFF A LOAN AND STILL COLLECT. ALSO WHEN THEY SENT OUR MORTGAGE THIS XX/XX/XXXX THEY CANCELED CONTRACT.. IF MY LOAN IS STILL WITH BOA WHY IS ALL OUR INFORMATION BEEN ERASED FROM MY BANK OF AMERICA SIGN IN.. SOMETHING IS NOT RIGHT WITH THIS I FEEL LIKE THEY ARE COVERING UP AND STILL COLLECTING MONEY FROM US..HELP FEDERAL TRAD COMMISSION GAVE ME YOUR WEB ADDRESS AND ASK US TO FILE COMPLAINT WITH YOUR COMPANY ...
Consumer complaint received 2016-01-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have a safe deposit box with Bank of America at XXXX XXXX XXXX XXXX XXXX, OR XXXX for over 15 years. I received the payment notice about the same time every year. On XXXX, I received the bill as usual. If I had an account with them, so it would be a {$5.00} discount ( I think it mentioned on the bill ). I went to the bank and paid my bill at XXXX XXXX XXXX and asked one of the tellers for the discount since I had a checking account with them ( I closed my account later on but still kept my safe deposit box ). The teller told me it would n't be any discount and the fees on the safe deposit box went up to {$40.00}. I paid the {$40.00} ( I still have the receipt that proved I paid ). The price was not a problem because I transferred my safe deposit box from XXXX XXXX to the XXXX so that it would be more convenient for me. On XXXX, I was expecting the payment notice as every year. I did n't receive the bill and the due date was coming up soon. I went to the bank and asked one of the tellers about I did n't receive the payment notice but I wanted to pay my bill. She checked the computer and told me they made an error for overcharging me last year so that my safe deposit box would be free of charge for life and that 's why I did n't receive any bill ( I trusted the bank and I did n't ask her to put on writing, that was my biggest mistake that I ca n't prove it since they destroyed all the records ). I was so happy for last 10 years and I did n't really receive any bill. 

I went down to the bank two days ago and tried to take something out of my safe deposit box. I was told they did n't have any info about my box. I talked to the assistant manager and found out my box had been drilled last XXXX and all my records was destroyed. They had been sent me notice to my old address since I moved 6 years ago. I guessed I did n't check my box for last six years since they still had my old address. I told her about my story and she said that was impossible as lifetime free of charge. I needed to pay {$390.00} to get my stuff back. She also told me to call the XXXX customer service number about the procedure on how to get my stuff back. When I called that number, the customer service rep. told me none of information came up with my ss # and box # search. He suggested me go back to the bank and spoke to the manger to give them a call with all the info. I talked to the manager on the phone this morning ; he could n't do anything for me. I needed to pay the {$390.00} for the rental fees for last two years and the drilling fee to have my stuff back. I do n't think that is right to charge me for the mistake that they made to have my stuff back.
Consumer complaint received 2017-08-26
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. (CA)

Hi my name is XXXX XXXX. Recently my step dad had a severe XXXX and my mom who is XXXX weighing XXXX XXXX lbs had to take care of him alone for over 1 yr. when we found out there was no care taker for him, my husband and I moved closer to help. We eventually had to send him to XXXX hospital because of his XXXX XXXX. Long story short, we tried getting my mom an electric wheel chair ect via a personal loan only to be denied over and over. I was told that you could get into your XXXX/ XXXX XXXX and look at your report. I ended up finding about 4 accounts that had went to collection. At that point, I immediately paid all of them in full. I told them all what my hardship was and begged hem to take it off my reports after I paid them. They said it cold take up to 60 days. In the meantime, XXXX XXXX XXXX " XXXX original creditor " XXXX, had settled my whole Dept with he in the amount of {$300.00} '. I had asked them to remove it from my XXXX/XXXX XXXX/ and my experian report, and instead of showing paid in full, {$300.00} they re opened a revolving account saying that I actually owed them {$300.00}. I have tried numerous times to resolve these issues and they refuse to help which has really damaged my report all over again because all reporting agency 's re opened this account. I would like for this to be resolved immediately so I can at least apply for a personal loan to help my mother~ XXXX XXXX XXXX XXXX has damaged my credit ...
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (VA)

We were trying to access Experian Free annual credit report online ( last accessed XXXX ). Error message states : " We are very sorry, we seem to have run into a technical problem with our system and are unable to complete your request at this time. Please try again in a few minutes. If the problem persists, contact customer support. Error Information XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX '' 2nd attempt about half an hour later resulted in " We were unable to honor your request ... '' and directed that we could provide this request with copy of driver 's license and utility bill at www.experian.com/upload. 
3rd attempt via upload link resulted in " We were unable to upload the below document ( s ) successfully. You may submit your documents by mail to Experian, XXXX XXXX XXXX, XXXX, Texas XXXX using this form. '' So now, to get a " free ' credit report, I have to mail this, paying for certified service in order to get receipt information. 
Copies of documents attached. 
Thank you for your time & consideration.
Consumer complaint received 2022-01-28
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. (MA)

On XX/XX/2022 I contacted TRANS UNION and submitted ( online and via mail ) a Federal Trade Commission identity theft report along with a police report regarding fraudulent account, XXXX XXXX, that is on my credit file. I also requested that this account be removed and BLOCKed from my credit report. According to FCRA 15 U.S. Code 1681c2 the information must be blocked within 4 business days of receiving identity theft supporting documents. However, this fraudulent account remains on my credit file. When I called on XX/XX/2022 to inquire about the status of removal I was told by a customer service representative named XXXX that it will take 30 days for them to complete an investigation, not XXXX business days. Note that all documents submitted to TRANS UNION are attached to this complaint.
Consumer complaint received 2022-04-12
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. (NY)

I would like to first say this complaint is done by me and for me without the help of any additional party. I have been in contact with the credit reporting agencies Experian, XXXX, and XXXX in regards to errors on my consumer report. I am requesting that they not only remove the listed accounts or inquiries but to permanently keep them removed. They have ignored my written instructions mailed to them on XXXX. Pursuant 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require the following be removed and corrected... 
remove late payments from XXXXXXXX XXXX XXXX  XXXX, remove invalid account XXXX XXXX and XXXX XXXX. Delete from my consumer report address listed as XXXX XXXX XXXX XXXX NY XXXX.
Consumer complaint received 2022-01-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc. (SC)

PROFESSIONAL ACCOUNT MANAGEMENT MANAGEMENT, LLC violated my consumer rights and contacted me about a debt without my written consent which is a direct violation of the FDCPA 15 USC 1692c ( a ). The communication that was sent was abusive, profane and obscene to me the hearer and reader which is a direct violation of the FDCPA 15 USC 1692d ( 2 ). The communication that was sent did not have documentary material as defined by congress showing proof of this alleged debt. I sent PROFESSIONAL ACCOUNT MANAGEMENT MANAGEMENT, LLC a debt validation letter and a cease and desist by certified mail with a green return receipt on XXXX and it was received on XXXX. I disputed the validity of the alleged debt and I refused to pay pursuant to 15 USC 1692g. I demanded all unfair communication to cease and an audit trail pursuant to 12 USC 1831n and 12 USC 5562C ( 10 ) ( the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, chart, logs, electronic files, or other data or data compilations stored in any medium ) be provided.
Consumer complaint received 2022-01-28
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. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

On ( XX/XX/2024 ), I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-09-28
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. (TX)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (FL)

I overpaid my account balance by {$24.00} which made by account balance as XXXX, I made a new transaction of XXXX now instead of showing balance as XXXX it showed as {$49.00}. When contacted Citi they made new balance as XXXX ( they just removed the XXXX ). Now I am worried that all the transaction I make might have similar issue, which indeed should be considered as major issue.
Consumer complaint received 2022-01-28
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 without 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 .This 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE