davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

XXXX  has collections that I disputed its been a significant amount of time exceeding 30 days that I have disputed these accounts I am asking for these accounts to be removed Confirmation # XXXX was submitted XXXX Confirmation # XXXX XXXX Confirmation # XXXX XXXX According to the fair credit reporting act a Bareau is required too complete there investigation within 30 days if they do not the negative item must get removed I am willing to take legal action if it is not removed
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I am working with XXXX XXXX. I became their employee so that I can lease a truck. The lease company is call XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, ( XXXX ) XXXX. They told they only run credit check with Experian. The company Experian has a fraud alert on me. I became a member to get rid of the Fraud alert. I am paying Experian {$19.00} per month for services. They told me to send a copy of my driver license, letter of mail and other documents. I did send it to them and they told they have not received them even know I send it by certify mail ( racking Number : XXXX Your item has been delivered and is available at a XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 in XXXX, TX XXXX. ) and check with USPS AND HAS BEEN DELIVER. 

I call them today to clear it out and they told me to send it again. The XXXX XXXX is running a credit check and my score continues to go down, they will not approved my credit unless Experian approves me. 

I just gave up on this games with Experian and XXXX XXXX. They are ruining my credit score and plus now I can not get my truck so that I can start my own business as a Owner Operator. 

Please let me know what to do. 

Status Delivered XX/XX/2019 at XXXX XXXX Delivered, XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-03-15
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. (SC)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I sent a letter on XX/XX/20 regarding inaccurate and unknown things on my credit report. To this day, over 70 days later, I have not received a response yet for all my disputes on incorrect items. I know this is not right, and I feel like my disputes are being put on a back burner. I am following up with the CFPB because I feel like I'm being taken advantage of. Section 611 ( a ) states that the credit bureaus ' failure to investigate all of my listed items within 30 days gives a reason to immediately remove those items from my credit report, but it has been over 70 days so they should be deleted promptly. I demand all of these accounts be deleted immediately or I WILL FILE FOR LITIGATION due to the stress and pain you have caused me. I also noticed that there are major errors on my report due to my information being impacted by the XXXX  data breach. It is obvious that people have been applying for things in my name. Not fun!
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was looking over my credit report and found two accounts that don't belong to me XXXX account for {$1600.00} date open XX/XX/2023 and XXXXXXXX XXXX XXXX for {$250.00} date opened XX/XX/2023 debt buyer is XXXX XXXX .according to the 15 usc 1681 law, there should not be any damages on my report is a defamation to my character.
Consumer complaint received 2022-10-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WI)

NaviRefi I inquired today about applying an extra lump sum payment all to principal, what I needed to do, include, and how to send that in writing ( as previously believed this was always the process that had to be taken in order to have money applied as I wished ). The account is up to date and in auto pay. I asked via the online chat and his response was that I couldn't ever do this. That interest accrues every minute and that I will always owe interest therefore any payment would always apply to the interest first. I brought up specifically my account, being in auto pay and up to date- he still said that I could never have all the payment go to principal. Then looking back at my XX/XX/2022 lump sum payment to them of {$1000.00}, they did indeed apply the first {$300.00} to interest rather than to my principal. The payment is due on the 11th, that is when my auto pay pulls & I made that lump sum payment on the 11th as well. So I'm not understanding how my account would have accrued that much interest on the same day the payment was due and made.
Consumer complaint received 2023-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: RoundPoint Mortgage Servicing LLC (MD)

Roundpoint mortgage bought my loan and became the servicer of my loan on XX/XX/2023. They automatically assumed ACH payments. I requested bi weekly withdraws. for three months they have obfuscated the process and made changes to what was communicated as the " policy '' such that the payments have yet to be withdrawn on a bi weekly basis. Whenever customer service is called there is always a " firewall '' between me, the customer service person and the back office management such that the issue never gets resolved. they have not responded to emails and documents provided although notes on the account during discussion revealed they have been received. They have refused to provide emails or call back numbers to directly resolve issues. 

The delay tactics are purposeful and serve to increase the interest payments they receive while the set up is incomplete.
Consumer complaint received 2023-03-15
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. (SC)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (VA)

COMPANY NAME : XXXX XXXX XXXX XXXX COMPANY # : ( XXXX ) XXXX with many other numbers and extensions COMPANY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX Events leading to report : Received a call on XXXX XXXX. The caller stated that they were trying to collect a debt from Wachovia/Wells Fargo. The company that they are with is XXXX XXXX XXXX XXXX. They asked for verification of my SSN and I stated to them that if I owed a debt to them then they would already have that information. To which they replied with my full SSN, home address, and full name. HUGE RED FLAG! I proceeded to tell them, after I DID NOT give any of my information, that I would need a bill/paper trail of any money that I owed and I would need original billing as to why I owed this debt. The account manager then proceeded to get extremely aggressive with me threatening law suits and that they knew where I lived and would be coming after me legally. On top of that, I asked her to calm down and that maybe she shouldnt speak to people in this tone that she is trying to get a debt resolved, to which she replied dont tell me how to do my job and I will for sure see your XXXX in court, we know who you are. All of that was disturbing to say the least. On XXXX XXXX, I received at my home a letter from this law firm stating the amount and original account number from Wachovia/Wells Fargo. I have since called Wells Fargo and there is no such account in existence. Nor do I owe them any outstanding debts. I even have my auto loan with Wells Fargo and it has a perfect record of payments. Please help flag or take down this law firm and their sinister ways and deplorable morals in a time when no one should be having to deal with people like this. Thank you for your time and I apologize for the long statement.
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Our account was accessed through a fraudulent take over. We called the bank to notify them and the fraudsters had transferred money from my husband and I combined account to just my husbands account since they are linked. BOA stopped them from removing the almost XXXX from just my husbands account. This happened in late XXXX or XXXX, and we still have not seen our reimbursement of our money. We have called, visited branches numerous times. They said the investigation could take up to XXXX. Our money is not released to us as they said it would be. Its been over 6 months, and we are still waiting to get the money back. They keep transferring us and no one can help. Its impossible to get someone who wants to take ownership of the issue at hand. We also keep getting overdrawn notices when our account is frozen.
Consumer complaint received 2020-11-10
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX continually refuses to take off more importantly thoroughly investigate Portfolio Associates alleged collections reporting against me. XXXX and XXXX have complied and done there due diligence and have removed Portfolio Associates fraudulent phantom debt. I have suffered severe consequences solely based on XXXX failure to investigate this phantom debt and factually XXXX has continually lowered my credit report and when I look why it states no new change. I have suffered from the Covid-19 pandemic massive loss and continue to be impacted by the consequences of Covid-19, yet XXXX continues to drop my credit score and has refused to remove Portfolio Associates from my credit report. XXXX has single handedly destroyed all possibilities for me to take out a personal loan. There questionable business practices are destroying my livelihood and the well-being of my family.
Consumer complaint received 2022-10-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: American Coradius International LLC (CA)

Hi, I have received a notice for debt collection and I have been trying to reach th debt collector and called many times during business hours and I get an automated response that all callers are busy and call is discounted after giving the option to go online for payment option. 

I need to talk to someone at the debt collection agency to understand the debt and options to pay as I am not able to pay the amount that is listed.
Consumer complaint received 2020-11-10
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NY)

XXXX continually refuses to take off more importantly thoroughly investigate XXXX XXXX alleged collections reporting against me. XXXX and XXXX have complied and done there due diligence and have removed XXXX XXXX fraudulent phantom debt. I have suffered severe consequences solely based on XXXX failure to investigate this phantom debt and factually XXXX has continually lowered my credit report and when I look why it states no new change. I have suffered from the Covid-19 pandemic massive loss and continue to be impacted by the consequences of Covid-19, yet XXXX continues to drop my credit score and has refused to remove XXXX XXXX from my credit report. XXXX has single handedly destroyed all possibilities for me to take out a personal loan. There questionable business practices are destroying my livelihood and the well-being of my family.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Park Hill Holdings (AL)

Company is still reporting something on my credit to rental companies that was deleted from my public records and was closed in court. I would like to take legal action after being denied twice after informing them of this problem is still reporting they deny it is keeping me from being approved but it clearly is the reason Im the adverse action letter.
Consumer complaint received 2020-11-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I sent a letter on XX/XX/20 regarding inaccurate and unknown things on my credit report. To this day, over 70 days later, I have not received a response yet for all my disputes on incorrect items. I know this is not right, and I feel like my disputes are being put on a back burner. I am following up with the CFPB because I feel like I'm being taken advantage of. Section 611 ( a ) states that the credit bureaus ' failure to investigate all of my listed items within 30 days gives a reason to immediately remove those items from my credit report, but it has been over 70 days so they should be deleted promptly. I demand all of these accounts be deleted immediately or I WILL FILE FOR LITIGATION due to the stress and pain you have caused me. I also noticed that there are major errors on my report due to my information being impacted by the equifax data breach. It is obvious that people have been applying for things in my name. Not fun!
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CA)

The apple app crashed where my payments were being made via auto-bill and I was not able to make my payments for XXXX and XXXX of this year. I reached out to the company but it took two months for them to resolve this issue with the app. The company was notified and were aware of this payment issue. However, they never notified me of this app issue causing late payments on my credit report. I now can not get approved for a mortgage because of these marks on my credit. The company will not help me with this unfair situation.
Consumer complaint received 2020-11-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (MO)

I applied for a mortgage with my current lender in XXXX. My home was appraised and completed on XX/XX/XXXX. Currently I have been misinformed of what they need to complete the process. I paid XXXX dollars up front for a appraisal that I can not transfer. After several complaints about flagstar failing to have proper information listed on the approval online they continue to wildly ask for more information. As of today the website displays a expired approval from XX/XX/XXXX that is prior to the appraisal, flagstar requests I pay my XXXX bill that is not late in order to complete the loan. This is not displayed on the site nor has it been asked for in writing. Nor can I see it on the site. I feel this is yet another attempt to delay the closing. I was told numerous times and in writing that this would be done if I get the payoff etc. now Im out XXXX dollars and have to make a payment on a mortgage for the XXXX month after I was told its done. During a pandemic I am making my obligation and I feel this bank is not providing accurate information and failing to place these requirements where a person can see what is required. They also failed to respond to complaints in a timely fashion. It took two complaints and a dozen emails or calls for one response that was inaccurate. Thank you.
Consumer complaint received 2020-11-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (MN)

I cant get wells fargo to follow the aggrement which they signed at the end of XXXX. Somebody named XXXX XXXX from office of the president keeps sending the same letter over an over which is not even correct. I NEVER CALLED WELLS FARGO AND ASKED FOIR MY TRUCK TO BE REPOSSESED, EVER> I have asked for Outside mitigation as I am not even close to being happy with your canned reply 's and the lies contained in them. The Last payment I made on the truck was XX/XX/XXXX Why did that happen after making a XXXX and XXXX dollar payments in 12 days XX/XX/XXXX and XX/XX/XXXX. Because the next time I got a monthly statement My truck payment went from XXXX to XXXX because you all put XXXX on it after I moved from XXXX XXXX mn to XXXX Mn on XX/XX/XXXX. I had the very same insurance and agent as the day I bought it. So many things you all are trying to tell me are false. You have told me you sold my loan in XX/XX/XXXX, I called XX/XX/XXXX and said repo my truck, That my truck was repossessed XX/XX/XXXX. NOT ONE OF THESE IS TRUE NOT ONE. I HAVE ASKED HOW MANY TIMES FOR OUTSIDE MITIGATION AT LEAST 10 YOU NEVER ADDRESS ANYTHING THAT I HAVE ASKED YOU ALL ARE SCAM ARTISTS AND THIEFS. YOU ALL LIE LIKE NO BANK I HAVE EVER SEEN AND I AM SICK OF IT > EITHER PROVIDE MITIGATION AT THE OUTSIDE LEVEL OR PROVIDE ME A FULL REFUND OR GIVE ME THE ADDRESS TO HAVE A SUMMONS SERVED UPON WELLS FARGO. DONT SEND ME A NOTHER ONE OF XXXX XXXX CANNED LIE LETTERS PERIOD>
Consumer complaint received 2019-10-09
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. (FL)

I noticed late in XXXX that XXXX XXXX has reported inaccurate information on my credit reports. My credit reports shows that i have been late a total of 13 times and that's not accurate. I contacted XXXX XXXX several times to resolve the issue. They informed me that I was only penalized four late payments since the credit card was established. Out of the four, two of those late fees were disputed and refunded to me, and that information is Highlighted on the statement summaries attached to this complaint. On XX/XX/XXXX, I had a late fee which was Adjusted after I called XXXX XXXX to dispute that it was an error on their end which they agreed to. The adjustment can be seen on my XX/XX/XXXX statement summary. 
On XX/XX/XXXX, I had another late fee of {$35.00} and it was also refunded and can be seen on the XX/XX/XXXX statement summary. I reached out to XXXX XXXX to inform them that Experian has 13 late payments on my report and they told me it has nothing to do with them because their system doesnt show 13. I was advised to contact Experian and have them correct my report. I filed two disputes through Experian to have the report corrected and XXXX XXXX failed to reply to the them in time. I filed another this dispute with XXXX on XXXX XXXX and never received a response from XXXX XXXX. It is absolutely absurd that XXXX XXXX refuses to correct my reports. How can they report me for 13 late payments when i was only late and penalized 4 times?
Consumer complaint received 2024-03-05
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. (TX)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2020-11-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion continually refuses to take off more importantly thoroughly investigate XXXX XXXX alleged collections reporting against me. XXXX and XXXX  have complied and done there due diligence and have removed XXXX XXXX fraudulent phantom debt. I have suffered severe consequences solely based on Transunion failure to investigate this phantom debt and factually Transuion has continually lowered my credit report and when I look why it states no new change. I have suffered from the Covid-19 pandemic massive loss and continue to be impacted by the consequences of Covid-19, yet Transunion continues to drop my credit score and has refused to remove XXXX XXXX from my credit report. Transunion has single handedly destroyed all possibilities for me to take out a personal loan. There questionable business practices are destroying my livelihood and the well-being of my family.