davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I have sent letters over 120 days ago to this this bureau ( XXXX  XXXX XXXX XXXX XXXX ) and the Collection Agency ( XXXX XXXX XXXX XXXX ) and they are disregarding a regular consumers disputes.

I am very stressed and have been sending letters prior to this and have yet to receive a response.

This has consistently severely impacted my credit report and hindered my familys progress during this global COVID Pandemic.

Account Number : XXXX
Consumer complaint received 2018-10-09
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. (IL)

I have disputed a XXXX XXXX XXXX XXXX account on my credit report with Experian all of XX/XX/2018. Experian have violated the Fair Credit Reporting Act they are not properly investigate this item. They keep saying the item is verified. HOW CAN YOU VERIFIED A ITEM IF YOU HAVE NO WRITTEN CONTACT? HOW ARE EXPERIAN VERIFYING ITEMS? I have requested documentation with my signature on they have failed to provide me with it. Experian need to prove to me that they are reporting hundred percent accurate information ( they are Not ). In the documents I have uploaded states I want all the documentation that Experian have to verify that this account is mine. And remove all Non account holding inquiries I have contacted all of the companies they have Not provided me with written proof are authorized none of the inquiries
Consumer complaint received 2022-06-10
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

XXXX  XXXX XXXX I am making a formal credit dispute for my terminated leased XXXX XXXX XXXX. I returned my lease vehicle, and was informed my wear and tear would cover most if not all of my incidents. While I was waiting for the adjustment applying my Wear and tear coverage to what was owed {$1400.00}. This took place over several months due to Covid 19 delays which resulted in my account being turned over to collection while I waited the response. Once receiving the updated bill of {$52.00} I made prompt payment in full. The result of this delay caused my credit report to be delinquent of 90 days. I have NEVER missed a single payment during my entire lease. Please update my report at your earliest convenience.
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CO)

I called Amex Serve to find out what the issue was with my card and when I told them to fix the issue the representative hung up on me. They have declined every transaction that I have attempted since my deposit went into the account. I am refused access to a US based call center to speak to someone that I can understand and they understand me.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

All the following credit bureaus are reporting erroneous information in regard to my credit report : Transunion XXXX  XXXX XXXX XXXX I, XXXX, is showing up on all the major credit reporting agencies as a judgment, when this debt has been paid in full, please see attached documents submitted. 

XXXX XXXX - is still on my report as a collection, when this was submitted to the bureaus as fraud. I disputed this on every major credit reporting agency, however they refuse to take this off the report. 

To my understanding it is being reported as closed, so this should not be reporting on my report. 

XXXX XXXX - is still on my report as a collection, as a Payday loan, I reported this as fraud also with all of the major reporting bureaus however they refuse to remove this item.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried to dispute this account with TransUnion, XXXX, and XXXX. They are reporting child support on my personal credit from Arkansas and another one from an account Listed as XXXX. I called both of those agencies and gave them my personal information to see what could possibly be going on because none of my children have ever been paid child support. Those Companies didnt have any matching information with my name, social, or date of birth. Public records have the wrong person in their system and the credit bureaus have done a terrible job of investigating to find the solution to this matter
Consumer complaint received 2018-12-04
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. (IL)

I have contacted Equifax on several occasions regarding inaccurate information on my credit report and they have failed to properly investigate and validate the information on my consumer report.
Consumer complaint received 2018-10-09
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)

TransUnion is stating that they verified a bankruptcy with the court. I have supplied Transunion with a letter from the Court stating they do not verify anything by phone fax or email. When challenged again, Transunion stated they used a 3rd party -letters from the Court have been supplied stating they do not verify TransUnion is reporting false information and under FCRA they must remove it
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX is still reporting on TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

TransUnion is participating in fraud with XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report
Consumer complaint received 2020-11-16
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$1300.00}, {$18000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXXXXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (NC)

I tried to turn off overdraft protection before a few transactions debited my account. I call the bank, they told me to come into the branch. I was not able to go into the bank due to XXXX. I went to the ATM machine to cancel overdraft protection but it would not allow me to cancel it. 

The bank continued to charge me overdraft fees. The overdraft fees were XXXX time as much as the debits. 

On XXXX, I went into the bank branch on XXXX XXXX XXXX XXXX XXXX, NC XXXX and complained about {$480.00} being taken out of my other account ( XXXX ). They told me to call Truist XXXX Department ( XXXX ). I called the recovery department ( XXXX ) first person hung up in my face and second person told me to go to the bank branch and ask for the XXXX. 

At this point Truist will not give any of my money back. They are refusing to look into the matter.
Consumer complaint received 2020-12-10
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I am a victim of a money scam. I was told to make a money order in the amount of {$2500.00} to help secure a family box for a US service member being deployed in XXXX. I deposited to a persons XXXX XXXX  XXXX account in Texas thinking that its safe to do so otherwise the person would not give out bank account information to me. Then the person asked for {$6800.00} to have the family box stamped at airport customs. I bought a cashiers check and deposited it into the same XXXX XXXXXXXX XXXX account. After 2 more payments, I realized that I was scammed, I contacted my bank fraud team and was told theres nothing they could do because its an authorized transaction. And the bank would not do a fraud report to notify XXXX XXXX  XXXX. I contacted XXXX XXXX  XXXX and was told they can not give out any information or start Any investigation unless my bank file a fraud report. Please help me to have the banks look into the problem and investigate the other persons account to find out the account holder and help me recover the payments. We are humans and mistakes happen. Thank you so much
Consumer complaint received 2022-06-10
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. (MT)

I have been working with a credit repair agency and actioning myself to clear fraudulent and inaccurate information. XXXX has actions and respected all findings to be true my score is XXXX points higher. Trans Union refuses to accept, action, remedy, or follow up with any dispute this far two years into the process. I contact them and just get pushed to order a credit report. I try to dispute directly with the bureau, and the dispute step is frozen, and I can not move forward with any complaint.
Consumer complaint received 2022-06-10
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. (TX)

I spoke to an EQUIFAX representative that advised that I needed a valid police report or an FTC document indicating that the inquiries in question were unauthorized. No other solutions were offered and incorrect information was not deleted.
Consumer complaint received 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America ( BOA ) claims I did not make my XX/XX/2018 payment and is reporting it late on my credit report. There was a XXXX dollar balance on that account and there was no payment due. So no payment was made for the XXXX because no payment was due. BOA has blocked my online access to this billing statement and I can not get access. 
I requested online through the BOA website XX/XX/2018 for a copy of this statement. Today XX/XX/2018 I called BOA and made a verbal request for a copy of that statement. 
XX/XX/2018 billing statement for the period XX/XX/2018-XX/XX/2018 had a current due amount of {$31.00}. Plus a {$36.00} late charge for XX/XX/2018 which had a XXXX   balance. I made a {$50.00} payment to BOA on XX/XX/2018. BOA has reported that my XXXX payment is delinquent to the credit all 3 credit agencies. 
Additionally I have made a {$200.00} payment to this account on XX/XX/2018. 
BOA is reporting two months of delinquent credit card payments which is incorrect. If they would provide me with a copy of the XX/XX/2018 statement it would prove that they are in error but as of now BOA has blocked my attempt to access this information. 
I am attaching a screen shot of my account statements showing the XX/XX/2018 is not available online for my access.
Consumer complaint received 2020-12-10
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. (KY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I haven't received any investigation results.
Consumer complaint received 2020-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I haven't received any investigation results.
Consumer complaint received 2021-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

I made a complaint against Lanier collection agency and their response was the debt belongs to XXXX XXXX, This response further proves my point of their unethical and deceptive practices. I am not XXXX XXXX so therefore the debt is invalid and needs to be removed off of my credit report. I already spoke with an attorney and by your own admission you have confessed to putting an debt on my credit report on purpose. You have 10 days to remove this incorrect balance and to cease and desist in your attempts to collect a debt not owed by me. Further more you are to remove the XXXX for account number XXXX from off my credit report or the next letter you receive will be from my lawyer. Also I never refused a letter of debt validation, let the record reflect that I have resided at the same address for 6 years and the company has never sent me a debt verification because they know the debt isnt mine. I have enclosed my proof for your records. As you can see the account number does not match the final bill from XXXX
Consumer complaint received 2018-10-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CT)

We were working with an attorney to try to remodify our mortgage. The attorney stopped corresponding with us and did not disclose any information to us relating to our property. In the middle of not hearing from the attorney the mortgage company paid the water pollution bill and took over our mortgage.

My Wife and I had to send the mortgage company a letter removing the attorney from our case in order to receive any information about our mortgage.

We would still like to save our home and feel that's it's not fair that our house was stolen from us due attorney negligence/malpractice.

Please help.
Consumer complaint received 2018-11-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MD)

On XX/XX/2018, I closed on a new home in the Maryland area with Quicken Loans. The closing was originally scheduled for XX/XX/XXXX but was pushed back for Friday XX/XX/XXXX .To my surprise during the signing of the documents I was shocked to learn that my first payment would be due in XXXX. I called the gentleman who had helped me throughout the process about this and he apologized stating that " the person servicing the loan, never changed the date and unfortunately it was an oversight ''. That was the 1st issue. 
At the same time I was on the phone with the Quicken Loan rep trying to see if this could be resolved I signed the paperwork, only to realize that he included ESCROW on my monthly payment WITHOUT DISCUSSING THIS WITH ME! I put 20 % down and my credit score is XXXX, why would they automatically apply that to my monthly balance and not give me the option to pay for it separately?! I called, spoke with too many uninterested and frankly unhelpful investigators at Quicken Loan whose sole purpose is to protect the organization against admitting any liability. That was the 2nd major issue. 
In XX/XX/2018 ( 3rd month in the loan ) I receive a letter stating that there is a manual disbursement on my property tax and that now I OWE QUICKEN LOANS over {$5000.00} which will be applied to my mortgage! I called and spoke to another investigator and questioned them how could this happen. I signed mortgage documents less than 3 months ago agreeing to pay {$2800.00} and now you they are trying to force me to pay {$3300.00}. As they naturally did, the investigators provided no solution and they stated that it was not their responsibility. That is the 3rd and FINAL ISSUE.

I am just one person and do not have access to the same resources that Quicken Loans has, however make no mistake, THERE IS RIGHT WAY to do things AND THERE IS WRONG way to do things. These issues could have been rectified in private if they showed a willingness to take responsibility and act accordingly, they didn't.
Consumer complaint received 2021-04-02
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. (VA)

RE : XXXX This is not a duplicate report, XXXX XXXX XXXX added new false derogatory statements by adding : 1. new 60-day late payments for XX/XX/XXXX and XX/XX/XXXX, 2. the first delinquency occurred on XX/XX/XXXX, 3. the account was closed on XX/XX/XXXX, and 4. the last payment was received on XXXX XX/XX/XXXX. 

1. There was never a late or missed payment on the account. Therefore the 30-days and 60-days maliciously reported to the credit bureaus must be removed. 

2. There was never a delinquency, however, XXXX XXXX  XXXX has reported many false and malicious claims to the credit bureaus between XXXX and XXXX and again between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

3. The property was sold in XX/XX/XXXX and the bank first reported the account closed on XXXX XX/XX/XXXX and continued to maliciously report new missed and late payment delinquencies through XX/XX/XXXX which are being used to impact my credit report and credit scores negatively. 

4. XXXX  XXXX XXXX received its last payment from me in XX/XX/XXXX, the property was sold and I was not required to submit any more payments and did not make anymore payment. Therefore, there was never a 30-day or 60-day late payment in XX/XX/XXXX as reported by XXXX XXXX XXXX. These maliciously reported delinquencies must be removed from my credit report and my d scores restored to their values prior to the impacts of the false claims.