davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have opened complaints with XXXX XXXX XXXX, XXXX, CFPB and as of yesterday wrote the White House. 

The Cares Act when executed stopped all Federal Student Loans payments and placed them into COVID Forbearance. Consequently, this reflected on credit reports in some situations as not reporting and on others as Late, see attached. The major issue is that as a personal consumer I never requested the Department of EducationXXXX XXXX  XXXX or XXXX to place my loans in deferment. Once I noticed the ACH not being withdrawn from my account, I contacted XXXX XXXX and requested payments be reinstated. Recently, my loans were transferred to a new service provider and with the extension of the Cares Act 0 % interest thru XX/XX/XXXX, they stopped my payment without my authorization. 

This is having a negative effect on my credit report. A consumer should have to request forbearance or hardship, loans should not be placed into deferment unless requested. I have attached my ACH history and I have opened disputes with all the Credit Bureaus and XXXX XXXXXXXX continues to update inaccurately. I have an open dispute for the posting of the XX/XX/XXXX Payment that never posted prior to transfer to XXXX. 

I believe COVID Forbearance should be removed from any credit report as there was no authorization to stop payments. They just stopped. For an individual like myself that caught it and reinstated payments, especially! 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MO)

Experian continues to charge for a premium membership without my approval. I have cancelled the membership several times now but it keeps enrolling. I emailed Experian on XX/XX/22 regarding this, requesting a refund of the membership fee plus the overdraft fee incurred due to the membership charge. The customer service rep never got back to me or attempted to remedy the issue. Email chain attached. 
I called in today XX/XX/22, when I noticed the charge again. There was a language barrier which made the conversation frustrating to start off, then the rep interrupted and kept repeating the same script, that they can not refund. Once a supervisor got involved they agreed to refund the 2 months of unapproved charges. When I asked about the overdraft fee the rep became even more rude and refused.
Consumer complaint received 2022-11-30
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. (FL)

On XX/XX/2022 I submitted my dispute to all XXXX major credit reporting agencies and I havent received any correspondence from neither reporting agency and I have proof of my dispute was delivered and it is pass the 30-45 mark. 
XX/XX/2022 XXXX XXXX {$1500.00} XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX {$19000.00} XX/XX/2022 XXXX XXXX XXXX {$610.00} XX/XX/2022 XXXX Fed XXXX XXXX {$150.00} XX/XX/20XXXX XXXX XXXX XXXXXXXX {$1300.00} XX/XX/2022 XXXX XXXX XXXX {$2200.00}
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-05
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : CAPITAL ONE XXXX
Consumer complaint received 2022-11-30
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. (TX)

I have been contacting this company for a while now, trying to let them know about the situation I have been in. the previous letter was sent on XXXX. I have accounts on my report that I don't recognize but they still haven't put a block or removed the items that are why this time I am seeking help from the CFPB as my first step in taking this matter seriously.
Consumer complaint received 2018-06-27
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. (CA)

Consumer complaint narrative I went to XXXX XXXX XXXX on XX/XX/XXXX to purchase a car, After selecting a car to decide about the price he asked me to provide my details and gave the details to him and I told him " I wan na go for lunch and I will be back in 20 minutes and Do not run my credit before make an agreement about the price '' and he told me be sure we do not run your credit, but after I came back in 15 minutes I saw a paper that they run my credit and I got 3 hard enquiries which I have not approved. 
XXXX on XX/XX/XXXX by XXXX, Automobile dealer, Transunion on XX/XX/XXXX by XXXX XXXX, XXXX on XX/XX/XXXXby southcst Automotive. I did not buy any thing and i did not get a loan. 
Please do the needful! 
Best Regards,
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One has committed a violation by not providing a1099c for submitting a charge off on my credit report. The IRS was notified that this account is a loss and was paid for as a write off. Therefore Capital One has committed a criminal act of fraud. Plus agreed to a settlement to remove the item from my credit report as paid in full upon receiving the check of XXXX XXXX
Consumer complaint received 2022-11-30
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. (CA)

i went to apply for a car and notice on my report multiplt credit inquiries on my credit rport i never inquired about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Americor Funding, LLC (NY)

Hi i hired a Debt Consolidation Company - " Americor '' i give them 7 accounts to work on and settle. Ever time they settled an account i told them to try and settle the big account first but they assured me that everything was good with all the accounts. Now in XX/XX/XXXX i was available to receive a loan from Americor so i can pay for the rest of the accounts and then i would just pay them " Americor. '' So two weeks before the loan becoming available i received an email from Americor the email said " Your document has been received '' i emailed back what document. Than they emailed me a Summons from one of the accounts, that was suing me the big account the one i kept telling them to settle first. So i emailed them back asking what should i do and they told me to "  request a change of venue '' I live in XXXX Ny and they served someone in the company in California now the person they served in california works in Americor and said that she was me. Americor gave me a phone number to a court in XXXX and said that they are not Attorneys and that they cant help. So now its been 3 months and Americorps is still not helping me a im requesting all me money back from Americor because now i have to hire an Attorney in NY that handle cases in California. And i  believed they were waiting for the summons so i can go with the loan wish i didn't want. I canceled with them on XX/XX/2019. They also told me that they have no idea who got served at there office but that the summons is mine and they cant help. Wish is Fraud.  The credit card company is suing for XXXX. They served someone in the office of Americor on XX/XX/2019 and that person said it was me.
Consumer complaint received 2020-02-11
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Southern Oregon Credit Service, Inc. (OR)

Attempting to call and make agreed payment and they would not take the payment claiming they had not received a letter back. They refused to allow payment and it is due tomorrow. They are transferring to voicemail and not returning calls. They told me the letter was not received and now I have to pay additional court fees. The payment is due tomorrow and I want to make the payment but they are attempting to prevent this payment from being made.
Consumer complaint received 2020-02-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Our home loan ( mortgage ) was sold to SLS loan servicing several months ago from our original mortgage holder, XXXX XXXX XXXX. We obtained a successful home loan modification from XXXX XXXX in XXXX of XXXX after a major battle, and poor banking practices from XXXX XXXX on our behalf. In XXXX of XXXX, my wife was laid off from her job of 15 years, and my family was out a good amount of income per month. 

Knowing we were facing a hardship, we reached out to SLS and asked for assistance with our mortgage. We completed an application for assistance, along with all of our documentation and a letter. SLS responded, stating we were only eligible for either a short-sale on the property, or a deed-in-lieu of foreclosure. We were appalled. We were given a date of XX/XX/XXXX to respond with an appeal of their decision. We then submitted an appeal with another letter explaining our situation, and that we had a VALID hardship. We further explained that a short sale would not apply to us, as we have quite a bit of equity in the property. We also explained that it had now been over a year since our last loan modification, and that we intend to keep our home! My wife is now employed again, but catching up after falling behind is hard to do with a family to support. I also suffer XXXX XXXX XXXX XXXX, and will be receiving a XXXX XXXX in the next year. 

We received confirmation that our appeal was received by SLS, but have not yet heard back from them on a decision for assistance with the mortgage. We received a letter on XX/XX/XXXX stating that we denied assistance from SLS. This is not true. The options of assistance they offered us had nothing to do with keeping our home, and/or did not apply to us! And instead, today, XX/XX/XXXX we received 2 letters in the mail from SLS stating they intend to foreclose on our home. This is unfair, and illegal. We as homeowners deserve a chance to remedy our overdue mortgage, and deserve an opportunity for assistance with our mortgage in order to catch up and/or start over. We want to remain in our home and get back on track as we have a XXXX year old son, and our home is our biggest asset. It appears nobody at SLS servicing has taken the time to review our account, our paperwork, or take the time to help their customers who are desperately trying to make things right and not ignore the financial hardship they are experiencing. Why hasn't our appeal been acknowledged? I feel that SLS has no intention of helping customers, although they offer assistance on their website, and via mail. This is a detrimental situation for myself and my family, and something needs to be addressed and done. If I am forced to hire legal counsel, then that is what I will do.
Consumer complaint received 2020-02-11
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. (HI)

Experian credit bureau refused to removed a wrong credit charge by XXXX XXXX from my credit report. I have addressed this issue with XXXX through Judge Advocate General ( JAG ) of the United States XXXX. I closed the account that I opened and paid it off when I was going to go on permanent change of station. XXXX XXXX had fraudulently used my information to open several accounts without my knowledge and they want me to come and pay for the accounts which I did not owe. 
Other credit bureau have removed this information from my credit report but Experian has refused to remove it.
Consumer complaint received 2020-02-11
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: U.S. BANCORP (WI)

Date of item being disputed : Late payment for XX/XX/2019 and XX/XX/2019 Description of dispute : There are two late payments on my Elan Financial Services Account. 
Enclosure : XX/XX/2019 statement. The open date is XX/XX/2019 and the closing date is XX/XX/2019. On page 3 (  where it is highlighted ) it shows the two late fees were reversed ( {$39.00} each ) and credited for XX/XX/2019 and XX/XX/2019, because their system made a mistake by not taking out the payments that were set up for autopay. The bank reversed the late payment fees and they will not remove it off of my credit report. I have disputed it to all three credit bureaus and have gotten results back indicating no change, so the late two late payments of 30 and 60 days are still on my credit report severely ruining my credit. 

I have contacted the company several times and they said they have removed it on their end and that's all they can do ; meaning they won't report the removal to the three credit bureaus
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

RE : Previous Complaint # XXXX, EQUIFAX has not removed the credit freeze on my credit report. The matter was incorrectly and prematurely closed without proper resolution. My complaint remains open. Equifax needs to remove the credit freeze on my report.
Consumer complaint received 2020-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My mortgage servicer, Shellpoint Mortgage Servicing, made several errors on my account, resulting in an incorrect balance due even though I made all payments early. 

I notified them of the error almost 2 months ago on XX/XX/19 and provided all the documentation they requested but they have still not fixed it. 

They charged unnecessary insurance to my account. 
They set up an authorized escrow account on my mortgage. 
The made an erroneous report of late payments to credit agencies. 

Please help! 

Thank you
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

Last XXXX I learned XXXX  ( XXXX XXXX XXXX ) reported my student loan account 180+ days late, yet they also reported it as " Pays as Agrees ''. I immediately called XXXX  to find out why they falsely reported my account as being late causing my credit score to drop by over 100 points. I filled out 3 disputes with XXXX and have been in constant communication with them for the last 13 months to have them fix my account. They it corrected through XXXX, but not Transunion. 

XXXX agrees I have never been late, yet they are giving me the run around and havent fix my credit report. They provided me with an email indicating Ive never been late and am actually 4 months ahead on my payments. On XX/XX/XXXX XXXX Employee # XXXX said she was able to update my account showing everything is current and I was never late. She advised me that it would take 30-45 to show up on my Transunion credit report. I called on XX/XX/XXXX and spoke to XXXX Employee # XXXX and she verified everything was current and updated. 

I applied for a loan on XX/XX/XXXX and was told I didn't qualify for the best interest rate because my Transunion credit score was low showing I was 90 days late for two months on my student loan. I have been trying to resolve this for 13 months and am beyond frustrated. XXXX is requesting that I fill out more paperwork. I've done this 3 times already. Doing the same thing over and over again and expecting a different result is insanity. How can a financial institution be allowed to mess up my credit for over 13 months causing me to pay higher interest and not have to fix it? This should be illegal and XXXX should be held accountable and at the very least they should fix my transunion credit report. Please have them correct this
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Atlanticus Services Corporation (AZ)

REFERENCE # XXXX INSTEAD OF CORRECTING CREDIT REPORT IT THE ENTIRE RECORD WAS DELETED AND I SHOULD HAVE A PERFECT HISTORY. 

CREDIT PROTECTION WAS ACTIVATED BUT COMPANY PROMISED {$60.00} / MONTH PAYMENTS WITH A MAX OF 6 FOR THE PROGRAM. SINCE FIRST PAYMENT HAS BEEN MADE ONLY IN THE AMOUNT OF {$10.00} PROMISES WERE AGREED ON THIS ACCOUNT AND YOU CAN FIND THEM ON THE OTHER CLAIM I WILL ATTACH AS WELL.
Consumer complaint received 2022-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (WA)

I have been trying to locate two pieces of information with no luck : 1. My Pell Grant history and 2. My original loan documents ( MPNs ) for all the student loans that were consolidated. 

I cant locate any information.
Consumer complaint received 2022-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (NV)

Was contacted via phone repeatedly in XXXX about a medical debt that I owed by Allied Collection Services. The debt was not familiar to me, nor were they able to tell me the name of the Doctor or provider who I received the medical procedure from! I spoke with a supervisor and they were supposed to send me documents in the mail! They never did! Now today, XX/XX/XXXX, I was alerted via XXXX that I was put in collections by this company for {$210.00}.
Consumer complaint received 2019-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WI)

I have been trying to cancel the PMI on my mortgage for years now and Dietch Financial keeps finding reasons why they can't do that. Most recently, I submitted to have my PMI cancelled and they told me I need to have an appraisal done on the home. An appraiser came to my home on XX/XX/XXXX and completed the appraisal. After hearing nothing from Ditech for a month, I reached out to them to obtain a copy of the appraisal. Today, Ditech left me a voicemail and told me that the appraisal that was done in XXXX was not done correctly and they need to do another appraisal. I have still not received a copy of the appraisal not was I told what was wrong with the first appraisal, just that it was wrong. When I called Ditech back at the number the agent provided, I had great difficulty getting connected with the agent who called me even though I had her direct extension. After a few attempts to connect with I was finally ( gruffly ) transferred to her extension. I got her voice mail and I left her a message letting her know that I approve having another appraisal done. I think Ditech is shrining me along to get more PMI payments out of me because we are now coming up on two months after the initial appraisal and I'm not being told we have to do another appraisal.