davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-08
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: EQUIFAX, INC. (AP)

I was in the market to refinance my mortgage. I authorized XXXX XXXX to pull a hard inquiry on my credit on XX/XX/XXXX. I have learned upon reviewing the credit reporting agencies reporting that several creditors that I have no accounts with have entered numerous inquiries to my credit report around that time without my authorization. I made it clear that I was shopping rates and that I absolutely did not want me credit to be run multiple times if a potential creditor could not beat the offer I was given by XXXX XXXX. The amount of inquiries for speaking to only 3 lenders and only aggreing to allow my credit report to be pulled by only XXXX XXXX to my understanding is alarming. 

The creditors that have non account holding inquiries are the following. 

1 ) XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXX ( ( TWICE ) XX/XX/XXXX& XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 3 ) XXXX XXXX XXXX ( 4 TIMES ) XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

I was sent a Delinquent Real Estate Taxes letter from XXXX  County XXXX for unpaid real estate taxes for my property. I have called the mortgage servicer immediately upon receiving the notice. I have been asked repeatedly what the problem is and have repeatedly given all the information to them with each phone call and have been given the very same response every time that they will investigate and promptly pay the taxes. My bill was to be paid in XX/XX/XXXX and I am writing to you today on XX/XX/XXXX.

The Loan Servicer is Loancare, XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX.

After repeated phone calls for two months with assurances that I would be contacted as well as the delinquent taxes to be paid, nothing has been done. I am very frustrated and do not know what to do to resolve this issue.
Consumer complaint received 2018-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/2018 XXXX XXXX made a hard inquiry on my TransUnion credit report without my authorization. On XX/XX/2018 TransUnion confirmed there was a fraud alert placed on my file which would require additional verification prior to accessing my file. I have no idea what XXXX XXXX is or why they accessed my file but it was done without my authorization. Please remove this inquiry immediately. I have been working to remedy the effects of Identity Theft and I am afraid this was the result of someone who has my information and is deciding to use it again. Please also place an extended fraud alert on my file to prevent access to my information
Consumer complaint received 2018-09-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: General Motors Financial Company, Inc. (TX)

I had a 2012 XXXX XXXX financed by XXXX XXXX the car was total out, my insurance company paid which I thought they were responsible for paying the car off. I was total there was a charge off amount of XXXX owe on the car. I car XXXX XXXX and when into a payment plan to pay off the XXXX which I paid the amount off. The problem is if XXXX XXXX accept the payments for the charge off. Why on all my credit reports the charge off amount of XXXX still shows when they accepted the payments. So the debt would be paid if full which it was. I understand the late payments showing but if the company agrees the accept payments to fulfilled a debt how can it be a charge off.
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-08-21
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (MD)

I have tried many times to negotiate with Navient regarding my student loan. They will not take anything into consideration as i have told them many times i am already paying {$500.00} a month in other student loans and in no way can pay what they are asking as there is no money left. Im not trying to not the pay the loan, i just want an affordable option. So I resulted to sending them what money i have left from other loans and life expenses which resulted in {$10.00} each payday. 

However, they have resulted in harrassing me by phone and will not give me any options. Today they called my job, i tried again to negotiate but they said no and told me they will continue to contact me at this number. 

Before calling me at my employment, they called my parents house many times a day asking for me beginning at XXXX until XXXX. Now they have resulted to calling me at work. 

I need these people to stop the harrassing tactics and try to help me with resolving the issue. They never give me but one option and that is the rate reduction plan and its over {$300.00} a month. If i had {$300.00} left each month, i would send it to them. 

The last statement today was we will continue to call you at this number until your account is current. 

Make them stop and give me a fair deal.
Consumer complaint received 2022-07-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I called Experian XXXX times on XXXX to resolve some issues I had with my credit report. I asked the first rep XXXX " what is the procedure for furnishing information without the consumers permission ''. She stated " Experian don't need permission they can do it anyways ''. After explaining to her Pursuant 15 Us C 1681 in order to do so. Experian woud need expressed permission or written instructions to do so. After her showing me she was uninterested in resolving my concern. I asked to speak with a supervisor. XXXX couldn't help and refused to give her ID #. So she transferred me again to XXXX XXXX XXXX ) who then transferred me to XXXX in the fraud department. XXXX told me " She trained in the FCRA and Experian has contract with the creditors and is not required to validate or investigate accuracy because they assume the creditor is being honest ''. I told her " that was not fair and the law states their company must take the proper measures to assure my report contains accuare information ''. She said " its not experian job to mediate nor is documentation required to grant permission. She then proceeded to dispute the XXXX accounts that i had concerns about.
Consumer complaint received 2018-09-08
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. (CO)

I've filed a dispute with XXXX and Experian requested an investigation on collection transactions filed against my credit report from XXXX XXXX XXXX XXXX, whom has violated the FCDPA law, reporting an old debt that is more than 12 years old. According to FCRA law, consumer reporting agencies may not report outdated negative information that is more than 7 years old, which in this case the debts were 12 years old. 

The consumer reporting agencies did not investigate this matter, they simply sent me a letter stated " Information verified as accurate '', which did not resolve the issue. 

According to FCRA law, I demanded that the consumer agencies to remove the collection accounts from my credit report that were filed by XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I have repeatedly asked USAA via email and telephone to close my checking and savings accounts, and they refuse to do so. They will not explain to me why they won't close the accounts, but every time I ask to get them closed, they don't do it. I have even mailed return receipt letters to them to close the account, and they won't do it. I do not want to ever bank with this institution again, and I resent every time they email me or send me a statement. Please assist.
Consumer complaint received 2018-09-08
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. (SC)

I have submitted disputes letters over the past 6 months. I requested for verification and validation of the accounts by providing the contracts they on file. The agencies did responded to my request nor any the remaining of accounts were not deleted
Consumer complaint received 2018-09-08
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Enterprise Systems, Inc. (IN)

I took out a private loan with XXXX XXXX for my daughter when she was in college at XXXX XXXX for {$12000.00}. I took out the loan in XXXX made regular payments for an original loan amount of {$12000.00} beginning in XXXX XXXX when the loan was charged off by XXXX XXXX XXXX XXXX on XX/XX/XXXX due to my bankruptcy filing in XX/XX/XXXX. 
The bankruptcy was dismissed in XX/XX/XXXX. Except for that time I have paid faithfully every month. So, why is the amount I owe basically higher. 

At one point, the account number was originally XXXX. Then it was changed to XXXX. I have not been credited for all payments to both accounts. 

I am sending two correspondences from NES. One dated XX/XX/XXXX with a balance of {$17000.00} and another dated XX/XX/XXXX with a balance of {$17000.00}. What happened to all my previous payments up until XXXX and my payments since XXXX-present? 
I have proof of payments, so my balance should be much lower. 

I sent a letter asking for a printout of ALL payments for this account, but only received the letter stating the balance.
Consumer complaint received 2018-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (SC)

Mid West Recovery is reporting a collections account which is not my account. I only had one account with XXXX account in collections and it is being reported through XXXX XXXX so XXXX is reporting double on my credit report.The account that Mid West Recovery has for {$570.00} does not belong to me it is fraudulent.
Consumer complaint received 2018-09-08
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. (SC)

I have submitted disputes letters over the past 6 months. I requested for verification and validation of the accounts by providing the contracts they on file. The agencies did responded to my request nor any the remaining of accounts were not deleted
Consumer complaint received 2018-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (AZ)

I applied and recived an American Express Platinum card on XX/XX/18 with a XXXX membership rewards with $ XXXX spending in 3 months promotional offer. I thought I had completed the spending requirments on XX/XX/18 when the bonus points posted to my account. In XXXX I receved a letter from american express dated the day my 3 month promotion period was over ( XX/XX/18 ) saying that I didn't meet the requirments and that they are taking back the bonuse points. I called american express on XX/XX/18 when I got the letter after getting my mail from being on vacation and was told that because a company did a refund during my 3 month period so I didn't meet the requirments. I asked why I was not informed when this happened which I belive happened around mid-XXXX so I could make up the spending, and was told that they don't work in billing so they don't know.I also asked if there was a way to make up for it because I was not informed about it when it happened and that I will not be eligible for an offer on this card again in my lifetime, and was told that once the 92 days are up there is nothing that can be done.
Consumer complaint received 2022-07-10
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)

My mortgage was transferred from XXXX to XXXX XXXX for service in XXXX of 2022. No communication was made to me to let me know about this. 

XXXX Mortgage and XXXX XXXX neglected to share with each other my contact information and made no attempts to contact me and let me know my payments would no longer be made to XXXX via auto pay. 

XXXX XXXX did not have my phone number, email, or correct mailing address. They stated that none of that was provided by XXXX Mortgage. Attached is my completed profile on XXXX showing all contact information needed. XXXX XXXX did not make any attempts to contact me within XXXX days of transfer. 

While XXXX XXXX made no effort to contact me by phone, email or mail, they did take the time to report my mortgage payments as late even though I had no way to know they were now my servicing company. 

XXXX XXXX reported my mortgage as past due and late over not receiving payments. I was unable to send payments as I did not know my mortgage was transferred and that auto payments sent to XXXX had been terminated by XXXX. 

Upon becoming aware of this issue, only by my credit reporting service. I looked up who made the negative report and confirmed it. Paid the account immediately to be up to date and set up automatic payments. 

XXXX Mortgage and XXXX XXXX collectively failed to supply each other with my contact information then chose to damage my credit when I can not make payments to them anymore as I am not informed of the changes made.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-03-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.
Consumer complaint received 2023-03-18
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. (NV)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-09-08
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. (NJ)

I purchase a XXXX XXXX from XXXX back in XXXX! I had the car for over 12 months, i decided to refinance the vehicle with XXXX on XX/XX/XXXX so i can get a 4 door, at the time i had a 2 door .... 
I sat down with a XXXX rep to refinance the vehicle .... I SPECIFICALLY TOLD THE XXXX REP, I ONLY WANT TO USE XXXX XXXX TO REFINANCE THE VEHICLE, because at the time i had XXXX XXXX ... 
He stated ok, so we proceeded to finish the paper work.. I get home to find out that i have 6 inquiries on my transunion report, so i returned back to XXXX to fix the problem. 
They apologize to me & wrote a letter stating that it was their fault ... 
I then mail the letter to transunion on behalf of XXXX, transunion said its nothing they can do.. They inform me i would have to write a letter to the companies that had the hard inquiries listed on my credit report.. 
So emailed the certified apology letter that XXXX gave me, i received nothing ... I need help getting unauthorize inquiries of my report
Consumer complaint received 2018-08-22
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. (MI)

I sent a letter to both equifax and XXXX XXXX XXXX. I have two accounts on my credit report that were included in my chapter XXXX bankruptcy. They are not reporting that way on my equifax report. I've sent court documents that show the two XXXX XXXX XXXX  accounts as part of my chapter XXXX bankruptcy. Both equifax and XXXX XXXX refuse to fix my report
Consumer complaint received 2019-05-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (MD)

I reported to XXXX an error on my credit report for Cavalry ( XXXX ) debt collection. The error is that they are not reporting monthly payments but indicate in the comments partial payments being made. How payments are made and reported is crucial for how the credit report is reflected. Isn't scheduled payments of an agreement whether partial still a payment? Then the payments and more particularly, the amounts should be reflected regardless of the collection amount owed.
Consumer complaint received 2018-09-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Collections U.S.A., L.L.C. (FL)

On XX/XX/XXXX I contacted XXXX XXXX to inquiry about a medical account XXXX for {$160.00} showing my credit report. They stated was from a medical account that I'm own. I asked them when they sent the original letter to me and specifically what address they sent it to letting me know that I had a debt with them and what phone number they had where they tried to contact you. They gave me an address that I didn't live since XXXX. I agreed to pay the full account because I was told that if I take care of the account they will remove the collection account from my credit report. This was stated on a recorded line. I took care of the debt and paid the complete full balance believing in their word that they were going to remove that account from my credit report. This account needs to be removed ASAP since I was told that will be removed from my credit report. I agreed with them to pay the complete amount no matter that I wasn't sure if that were my debt and feel this is an unfair because they never received anything until it was too late and hit my credit report and I feel this is abusive because it is causing me a financial hardship because I'm having a lot of issues tryin g to qualify to buy a home and if I were able to qualify I'm going to end up having to pay a higher interest rate on a mortgage and that you feel like it is a UDAPP violation. I feel cheated by this company just to collect the money for that debt. I.ve contacting the collection agency and dispute this 1on the credit report but I haven't been received any response or been successful in resolve this matter. I attached the proof that I made this payment in full on XX/XX/XXXX as I agreed with that company in our phone conversation.