davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

Community Loan Servicing my mortgage provider reported my account ever late 180 days to 3 credit bureaus having me on " forbiddance plan '' covid relief program, witch allows you not to make mortgage payments .I called several times and was told that multiple customers were reported to credit burrows by mistake.Report date XXXX was told by representative, that on XX/XX/XXXX Community loan servicing sent letters to 3 credit bureau to remove incorrect information.I talked to XXXX representative on XX/XX/XXXX and he could not confirm that any disputes were initiated by the lender. I attached copy of the forbiddance plan.
Consumer complaint received 2021-06-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (VA)

XXXX XXXX XXXX, for the second time, is attempting to collect on an already satisfied loan with XXXX XXXX. XXXX XXXX XXXX has transferred/sold this same account to two other entities XXXX XXXX XXXX and XXXX and XXXX ) in attempts to further collect on their behalf. 

I have sent all involved parties certified letters requesting them to cease any collections efforts and the account is essentially handed off.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have called Trans Union, as directed by their website, many times in an effort to receive assistance in filing a dispute. I am unable to file disputes online and am directed to call them for asssitance. 
When I call, I am lectured, harassed, and mistreated, with no signs or hope of progress. 
I now have to call from a different number because they have blocked one of my phone numbers.
Consumer complaint received 2020-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

FEES BEING CHARGED FOR UNLAWFUL FEE NOT LOOKING TO SUE JUST WANT ITEMS REFUNDED EST CHASE -XXXX XXXX -XXXX  XXXX  REPORTING INACCURATE INFOMATION ON BOTHE B/C OF THEIR VIOLATIONS
Consumer complaint received 2022-07-06
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. (NY)

XXXX XXXX XXXX illegally obtained my personal information, to report inaccurate information. They are not the original creditor. 

XXXX XXXX XXXX failed and neglected to obtain original documentation to accurately report this claim. 

Experian including XXXX is also liable and guilty for claiming to legally verify this account information. 


This account is being reported as a collection account but the status remains active/open. 
This account open date and status update can not be the same. 

XXXX XXXX XXXX has re aged this account showing to be opened in XXXX when in fact the account was opened in XXXX. This is fraud I will be filing a complaint with the attorney general, this is against FCRA and other rights of the consumer. 


XXXX XXXX - delete account
Consumer complaint received 2022-07-06
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. (NY)

XXXX XXXX XXXX illegally obtained my personal information, to report inaccurate information. They are not the original creditor. 

XXXX XXXX XXXX failed and neglected to obtain original documentation to accurately report this claim. 

XXXX including Equifax is also liable and guilty for claiming to legally verify this account information. 


This account is being reported as a collection account but the status remains active/open. 
This account open date and status update can not be the same. 

XXXX XXXX XXXX has re aged this account showing to be opened in XXXX when in fact the account was opened in XXXX. This is fraud I will be filing a complaint with the attorney general, this is against FCRA and other rights of the consumer. 


XXXX XXXX XXXX delete account
Consumer complaint received 2019-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX : VALIDATION OF ACCOUNT Reference Account # : XXXX To Whom It May Concern, This letter is being sent to you in regards to the letter I received dated XX/XX/XXXX ( attached ) which is advising me to make payment of a debt I do not owe. Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation was requested. 

Additionally, I am a victim of identity theft and have attached the documents along with this complaint. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1XXXX Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 

I require compliance with the terms and conditions of this letter within 30 days of your receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will not report this information to the Credit Reporting Agency until full validation has been completed. 

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigatory process concurrent with your investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

opened my checking and savings account on XX/XX/XXXX of 2022 for the {$600.00} promotion following the rules of the promotion depositing {$500.00} in the form of a direct deposit within opening to the checking account, and a recurring deposit of {$200.00} 3 months in a row in the savings account. 

the promotional mailer spells out these specifics, and says that account bonus will be paid by XX/XX/2022 at the latest, if opening in XXXX. 

I contacted Citizens bank on XX/XX/XXXX regarding the missing bonus, and was told my account was in a " closed status '', which is not accurate, as it remains open, and they still have my money in both savings and checking. 

Additionally, I was told they would research this issue and respond within 2 business days. Almost a week later and still no response and the bonus has not been deposited as advertised.
Consumer complaint received 2022-07-06
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. (IL)

I was sick in the XXXX  with XXXX  for 2 months and immediately upon discharge I contacted XXXX and made payment arrangements and was told by 2 different customer services reps on 2 different dates with the last date being XX/XX/22 where I was advised that even though I was in the XXXX with XXXX  that the CARES act did not apply to them and I could not get a deferment. I made arrangements to bring my account current and was told that I would not get a late payment and I would not be charged late fees. I was given both immediately after! I called back and asked the manager to review both calls which she did and said that would provide better training for staff but would not rectify my situation. I disputed with all credit reporting agencies. XXXX DID NOT do a thorough investigation I disputed on XX/XX/22 and on XX/XX/22 it responded with verified
Consumer complaint received 2021-03-10
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: Experian Information Solutions Inc. (MA)

Hi XXXX XXXX XXXX XXXX ; Credit Reporting Agency ; Experian, XXXX XXXX ; Listen, it's impossible that you continue to report this account with multiple inaccuracies on payment history from XX/XX/XXXX to XX/XX/XXXX for 30 days late every month. Impossible that you can honestly say that you verified. I've contacted everyone and done several types of research, as I was NEVER late during those times, and you simply replied that it's " accurate & verified '', and that means that you breach my privacy under the provisions of FCRA. It's impossible that different credit reporting agencies report different dates of being late. It's so inconsistent on the way it's reporting! Again, I was shocked when I reviewed my credit report today and found those late payment remarks on my credit report.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was sick in the XXXX  with XXXX for 2 months and immediately upon discharge I contacted XXXX and made payment arrangements and was told by 2 different customer services reps on 2 different dates with the last date being XX/XX/22 where I was advised that even though I was in the XXXX with XXXX that the CARES act did not apply to them and I could not get a deferment. I made arrangements to bring my account current and was told that I would not get a late payment and I would not be charged late fees. I was given both immediately after! I called back and asked the manager to review both calls which she did and said that would provide better training for staff but would not rectify my situation. I disputed with all credit reporting agencies. XXXX DID NOT do a thorough investigation I disputed on XX/XX/22 and on XX/XX/22 it responded with verified
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (TX)

I got my stimulas check it says I can put it on my account but won't let me I'm far away from any banks but need the money what good does it do to lie to me saying I can deposit it when I cant
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XXXX XXXX ( Miscellaneous ) I have tried to remove these through this company after submitting a IDtheft.gov and police report and they have not been removed. Company has verified the accounts to be factual but how is that so if i'm a clear victim of ID theft!!
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX XXXX was illegally withdrawn from my account at an atm in XXXX XXXX, Ca. I was in XXXX at my home when this occurred and was in possession of the debit card. I filed at police report immediately. This happened to back in XXXX for XXXX, so the process is familiar. Upon filing my claim I expressed the need for escalation as I am being evicted. XX/XX/XXXX I spoke with a manager who filed this hardship. On XX/XX/XXXX I followed up and was told that my temporary credit would post to my account within 24-48 hours. This did not happen and I was told I had been misinformed. Also I was told that a hardship would be filed again. On XX/XX/XXXX I followed up again. I discovered that a hardship had not been filed a d was told that yes temporary credits are usually applied within 24 hrs for an eviction hardship. As of today, my account has not been assigned an investigator, the claim has yet to be approved, I still do not have the credit for the XXXX. The service has been horrible, I am treated like an imposter or someone that would be co side red XXXX  of the earth. This credit should have been placed j to my account immediately!
Consumer complaint received 2021-06-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (AZ)

I applied for the loan XX/XX/2020 and they have lied about property I owned, not updated my pay off amount that I pay monthly for the past six months to adjust the loan amount, not given me access to my account on line because I cant remember the user name or password, wanted to have me resign documents when the charges were wrong and I paid the appraisers, re ran my credit report doe no reason, said I was in the hawk report to drag it out. I never signed the new loan papers and they just sent me a letter with charges and a new loan that should have closed in XXXX. I have emails and emails of proof about trying to contact and asking for paperwork I had already submitted to draw the out so they still make the interest and when I would have saved five years off of my loan it would be more like four. I didnt sign the new loan documents the lady came to my house and I have a witness to prove it. I told them no that I would find another company.
Consumer complaint received 2021-06-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I have received several unauthorised inquiries on my account since the beginning of the year I have asked for numerous times to get help to no Avail. There are also several clothes on authorised accounts which I try to get help with also to no Avail
Consumer complaint received 2022-02-15
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. (MA)

I mailed a certified letter to Equifax XX/XX/2022, which was received XX/XX/2022 @ XXXX requesting the removal of several inaccurately reported accounts. To date, I have yet to receive a response. I understand they have 30-days to reply to my request once they received, but I have not received response or notification of a conducted investigation as required by law under the FCRA.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IN)

On XX/XX/2022, I was told by a lender that they were unable to pull my Equifax credit report. I then attempted to use Equifax 's online portal to check on this issue. Their website told me that their was an issue and gave error code NH, presumably no hit or no history. I then called the customer service line for Equifax, and after reaching a customer service agent, they told me that they had no history for the information I gave them. They also told me the next step was to send in material to verify my identity. Later on XX/XX/XXXX, I called several of my lenders, and confirmed with them that reports had been sent to Equifax monthly since the accounts were opened, going back more than 3 years in some cases. On XX/XX/XXXX I faxed my driver 's license, W2, and social security card along with a cover letter stating the purpose of doing so to Equifax. I again called Equifax at their customer service line, and this time was told that a name other than my own was associated with my SSN. I have called several other times since then to see if my fax had been received, and have been told everytime, including today XX/XX/XXXX, that the information had not been received or processed. With it being 14 days from when I first brought this issue to Equifax, they have been either unable or unwilling to find my credit history within their system, that I have verified with creditors has been sent to them with correct information and spelling.
Consumer complaint received 2022-02-15
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. (NC)

On XXXX occasions, XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX, my student loan provider, XXXX XXXXXXXX XXXX, has reported the XXXX separate accounts that I had with them as XXXX days late. I had a forbearance in both instances as I was in graduate school. 

I have disputed the account reported with my now-former loan service providers and the XXXX major credit bureaus on multiple occasions to no avail. These attempts have been since XX/XX/XXXX.
Consumer complaint received 2022-02-15
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. (NY)

Experian is reporting that I have XXXX XXXX XXXX credit card accounts that have a balance. I have requested multiple times that it be verified as both accounts have been paid. Experian continues to report " verified as accurate '' on my credit report without actually verifying the information. I have proof that the accounts have been paid but Experian continues to report inaccurate information. I continued to dispute the inaccurate information, and have even requested validation from them however they have now ignored my request and violated my rights under the FCRA.
Consumer complaint received 2022-02-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA (TX)

This is my second time filing a complaint with this Company.

The company did not issue the correct amount in the refund they sent out. The refund should have reflect the 19 months of XXXX XXXX time. ( XX/XX/XXXX- XX/XX/XXXX, when I paid off the car ) I spoke with someone from the company on XX/XX/XXXX still no update. I have been waiting on this refund since XXXX of XXXX. The company never applied the new APR to my account due to error in their system. ( Each time I called, this was the reason ) The monthly payment difference with the new APR rate was roughly {$78.00}. Therefore, the refund should be {$1400.00} ( $ XXXXx19 months ). My monthly payments were never adjusted on my statements either. 

I did receive the {$430.00} refund, however, that was not the accurate amount. I have spoke with multiple representatives from this company and still no update.
Consumer complaint received 2022-02-15
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. (MI)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$3200.00}
Consumer complaint received 2022-12-03
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-03
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.