davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OR)

We wrote a dispute letter & submitted supporting documents on XX/XX/2019 to Experian XXXX XXXX. There are multiple federal & state tax liens on our credit report that belong to a different business. I submitted copies of all the liens which clearly show a different business name, tax ID & address. 

Experian 's response on XX/XX/2019 said " All tax liens were reported to Experian under the business name and address referenced above and will remain on the credit report as reported ''. I contacted the Oregon Department Revenue & they stated there are no tax liens on our account. They also went on to say Experian misrepresented the facts because the State does NOT report to Experian. Experian mines the public record data & Experian made the error in reporting it on our credit report. 

I've tried to reach the IRS as there are federal liens also but can't get through to anyone for help. We really need help to resolve this issue & Experian is not responding.
Consumer complaint received 2023-03-29
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. (UT)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

inaccurate information on credit report. FTC violation XXXX XXXX in 2017 amount {$610.00} XXXX XXXX XXXX in 2017 amount {$2000.00}
Consumer complaint received 2019-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Portfolio Recovery called me onXX/XX/XXXX @ XXXX PST. Called from : XXXX. Deleted other calls in call-log, so I don't have them. 

When I don't answer the phone they do not leave a voicemail. 

The two times I have answered the phone and played their game, they : Refuse to identify themselves. They just say they're collecting a debt.

Ask for my SSN before speaking with me about anything Refuse to send me anything in writing I absolutely will not cooperate with any agency who behaves this way. I have asked them twice to stop calling me. I don't know if they even heard me because after insulting me about refusing to provide my identity to a stranger, they hang up on me.

The only reason I know they're from Portfolio is because I XXXX the number. Beyond annoyed with these calls.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/23 i received a copy of my credit report and seen i had some mistakes listed. i sent out 3 letters out to the credit bureaus stating there had wrong address listed. I have not heard or seen any results its been 30 days. I have not received anything in the mail or via email that it is even being investigated here is a copy of the letter as well as the tracking numbers to the certified mail.
Consumer complaint received 2019-09-12
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. (CA)

On XX/XX/XXXX, I sent a certified dispute letter to Experian stating the following : These items are inaccurate because student loans were consolidated XX/XX/XXXX, these are duplicate accounts. The consolidated loan shows up on page 5 of 10,  XXXX/XXXX XXXX XXXX Partial Acct # XXXX. I am requesting that the items be removed to correct the information. 

Page 4 of 10 : 1 ) DEPT OF ED/XXXX Partial Acct # XXXX 2 ) DEPT OF ED/XXXX Partial Acct # XXXX Page 7 of 10 : 1 ) U.S DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4600.00} 2 ) U.S DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$3600.00} 3 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$6000.00} 4 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$6000.00} 5 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} Page 8 of 10 : 1 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} 2 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} On XX/XX/XXXX, I received a letter from Experian stating the following : " Outcome : Remains - the company that reported the information has certified to Experian that the information is accurate. This items was not changed as a result of our processing of your dispute. Please review your report for details. '' This response was the same for each of the duplicate items I disputed.
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: AMERICAN EXPRESS COMPANY (TX)

American Express business card was charged with fraud transactions but I wasnt been able to access transactions on the account and I wasnt even offered a replacement card the card went dramatically $ XXXX {$1700.00} from the used amount. 

Always made payments on time no late payment. Waited over 3-4 months they said they called multiple times but havent received any calls there calls say spam risk and they say its not under there control and they havent left any voicemail or letter.

Then one day I get a voicemail from collection agency and its debt from American Express which I was willing to pay in full but only if they let me see my statements and provide me a replacement card.

Even my 2 other personal accounts accounts I cant see statements last representative offering me payment program after closing my accounts but my accounts already closed despite me making payments on time.

Called them 100 times wasted hours no solution from one department to another. Fraud charges on my business account were a lot. Also my two personal accounts were already closed despite them offering the program.

Reason they gave for closing my 2 personal accounts is my fico score and some fraud activity. My fico score fell because of the business account which they gave to collection because of non payment.

Business account and all other account no access to statements kept telling them I cant access it they said they will send it in mail didnt receive it.

Ask representatives for solution they say they cant do anything or they disconnect.

I am willing to pay for what I used no fraud charges or late fees they have applied on my accounts.

The account with fraudulent activity should be investigated. It shouldnt be sent to collection agency
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I just got billing problems on my credit card from CapitolOne. It was started since XX/XX/XXXX. But it have been resolved this issues about two times in a row! There are four different payments involved. I just gave screenshots of the payment status. The fraud department tried to resolve this situation but never will resolved. It was from XXXX XXXX in XXXX, California. Let me know soon to discuss with this matter. Thank you very much!
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I have 3 account with XXXX XXXX XXXX that is not being reported to my XXXX or experian date They also show as closed but it was paid in full on the XXXX  account. Accounts were opened on XX/XX/XXXX amount {$400.00}, XX/XX/XXXX amount {$390.00}, XX/XX/XXXX amount XXXX all with XXXX XXXX XXXX.
Consumer complaint received 2019-09-12
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. (IN)

I have reached out several times to the bureaus in regards to their investigation of the XXXX XXXX XXXX open on my report, it should be closed and paid off in good standing, no missed payments no derogatory remarks just paid in full. My car has been paid off and I also have my title to prove it, it was sent to me in XX/XX/XXXX after I paid off my car in XXXX. They're inaccurately reporting my car being past due and it is not. I made a payment in full. I still get calls collecting on a vehicle that I own. It makes no sense!
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I have reached out several times to the bureaus in regards to their investigation of the XXXX XXXX XXXX open on my report, it should be closed and paid off in good standing, no missed payments no derogatory remarks just paid in full. My car has been paid off and I also have my title to prove it, it was sent to me in XX/XX/XXXX after I paid off my car in XXXX. They're inaccurately reporting my car being past due and it is not. I made a payment in full. I still get calls collecting on a vehicle that I own. It makes no sense!
Consumer complaint received 2018-08-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: ROCKY MOUNTAIN MORTGAGE COMPANY (TX)

We were asked to leave a {$500.00} earnest money payment with XXXX XXXX XXXX XXXX, they took us to four different banks whom kept running our credit and mixing up our social security numbers. They told us we were approved we waited two months for the home to be completed with XXXX XXXX XXXX, XXXX sales person, who assured we would be getting the home.The preferred lenders XXXX obligated us to use, we researched that all the Builders in XXXX XXXX use preferred lenders forcing the borrowers to go with those lenders that did harm to us. The two months came and left, we have been waiting for over one year and almost 6 months, we finally asked for the {$500.00} back XXXX told us it was used for an appraisal, what appraisal we never got a report the house was never built we never heard back form any of the lenders, all the parties. We are looking at purchasing a home just not with builders they all want to take us to lenders we don't have confidence in any more.
Consumer complaint received 2023-03-29
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-01
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. (PA)

I have previously disputed inaccurate information on my credit report under the following codes ; 039 Serious delinquency 018 Number of Accounts With Delinquency 005 Too Many Accounts With Balances 008 Too many Inquires in last 12 months All of these codes are incorrect and reporting illegally pursuant to FCRA
Consumer complaint received 2023-03-29
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 2019-09-12
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: WELLS FARGO & COMPANY (CT)

XXXX XXXX keeps sending my check back to me then marking it late adding fees and calling non-Stop. They have done this all year. My father passed away in 1984, so all assets were frozen I advertise and was paying bills out if my own pocket. XXXX took my XXXX card and put it in my name plus added the business name onto it, we have had this commercial bank account since 1984. Anyone I speak to at XXXX is just repeating the same thing this ya an attempt to collect a debt. I have copies of all the checks sent back and I even received a letter from them stating they would not take off interest or Late fees. NOT FAIR! Ive never been late they know whos payment it is, I mail it back and they mail it back to me. Not sure what to do but my patience are wearing thin we are going on 7 months! And Wells Fargo is another one I have my deed in Lou of foreclosure paperwork and because I contacted you they added on to additional months that theyre saying were never paid when the house didnt even belong to me at the time my husband was responsible for paying the mortgage because I moved out and had a restraining order during the course of our 90 day divorce he was responsible for the mortgage payments and he squatted. and Wells Fargo is another one I have my deed in Lou of foreclosure paperwork and because I contacted you they added on to additional months that theyre saying were never paid when the house didnt even belong to me at the time my husband was responsible for paying the mortgage because I moved out and had a restraining order during the course of our 90 day divorce he was responsible for the mortgage payments and he squatted Wells Fargo has read my decree and they have my deed in Lou of foreclosure that I paid for myself Soli my ex-husband paid nothing towards it he wanted it to go into collections so between these two banks we need to get this straightened out
Consumer complaint received 2023-03-29
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I applied for a small line of credit from Netcredit.com. I am salaried and have a stable job history and provided all requested paystubs and bank statements so income could be verified. I was turned down the first time due to unable to verify income which perplexed me because everything was submitted, even MORE paystubs going back further than required. This turn down was Monday.

I called and spoke to someone Tuesday who started a fresh application and said no problem looks like everything is here I will place a note for underwriting that youve submitted all the documents already to portal.

Next day, happens again. Same turn down reason.

Ive spoken

to two reps, sent numerous emails for specific reasons as to how or why this turndown reason was chosen since its invalid on its face. But no one will be clear with me or have any member if leadership call me back. They didnt choose a credit related reason because I have average credit but everything I pay I pay ON TIME. I dont even have a mortgage. Just a deed to my home. Theres no reason for this turn down. I have records and more details. Something is fishy and I dont know if its because I said no coborrower and that I dont want my husband in the loan, or if its something else this same underwriter refuses to say. I just know this is some kind of violation and I want this made right.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX 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 2021-04-14
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: Santander Consumer USA Holdings Inc. (NY)

I co-signed an Auto Loan with Santander Bank for a car. I made payments on the loan until I lost my job due to COVID-19. I contacted Santander Bank to discuss alternative payment arrangements such as a deferment, lower my monthly payments or a forbearance considering the circumstances. Santander Bank failed to work with me, charged me additional fees and made negative marks on my credit report. 

Under the CARES Act, Santander Bank may not report this auto loan as being late if I lost my job and was unable to make my monthly payments as a direct and exclusive result of COVID-19.
Consumer complaint received 2022-02-02
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. (FL)

XXXX  I already sent few rounds of dispute about them. I believe that someone have my personal information. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private information
Consumer complaint received 2023-08-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (AL)

As of today, Westlake Financial has called me XXXX TIMES, from XXXX XXXX  through XXXX. I know my payment is due, but my husband recently lost his job with the XXXX XXXX, so we are struggling. Its a {$54.00} charge to defer the payment, and we cant even do that right now. They call me at all times! Even while Im at work and can not answer. And it isnt just today. They do this EVERYDAY, once the payment due date has gone past 1 day. They will call from different numbers, leave automated voicemails, email me several times. Its harassment! From Monday through today, they have called a total of XXXX times. These numbers will range from California numbers, Pennsylvania, Georgia, and Alabama. I cant even keep track of all the numbers I have blocked.