davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-24
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)

XXXX XXXX XXXX transferred ownership of my Home Equity Loan to XXXX XXXX XXXX  ( XXXX ) effective XX/XX/XXXX. I have always paid this loan on time. However, XXXX  has now reported a payment delinquent over 30 days to XXXX, XXXX, and Transunion. XXXX  made these reports and knew that their records were incorrect. XXXX claims that the XX/XX/XXXX payment is in question. XXXX has attempted to confirm that I made the XX/XX/XXXX payment to XXXX XXXX XXXX  before they started servicing the loan. I have sent XXXX  documentation ( bank statement ) that clearly shows that the payment was made. I have had several conversations with XXXX without any resolution or any concern that they are negligently damaging my credit report. Even with full knowledge and documentation, XXXX has reported that my XX/XX/XXXX payment was over 30 days late because they are showing me constantly late. I filed a dispute with XXXX, but XXXX apparently still claims that my payments were late. I am attaching several letters from XXXX XXXX XXXX and XXXX concerning the transfer of ownership, the XXXX online record of my payment history with them ( notice how incorrect it is ), and 18 months of bank statements documenting my payments on this mortgage. My credit score with XXXX alone has dropped from XXXX to XXXX as a result of their negligent actions. XXXX  is knowingly and willingly reporting me as having made a late payment because they have an unresolved dispute with XXXX XXXX XXXX. That is a problem XXXX  has with XXXX XXXX XXXX, not me. XXXX  should not be permitted to make such reports.
Consumer complaint received 2022-02-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (MI)

I have made sure to make my payments on time on the following items listed below. This items should not have a late payment status in my record. Make sure to provide me any documentation about the late payments being done on the months indicated in the report. 
TOYOTA MTR XXXX Balance : {$0.00} TOYOTA MTR XXXX Balance : {$0.00} TOYOTA MTR XXXX Balance : {$24000.00}
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am aware, consumer reporting agencies on a nationwide basis must maintain a joint notification system. I, the consumer have reason to believe and do so believes, this subsection was enacted to maintain maximum possible accuracy amongst consumer reporting agencies. This information for the accounts listed below on my consumer report do not match other consumer reporting agencies shown in Exhibits A-J, which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). These accounts must be removed.
Consumer complaint received 2022-02-21
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)

I sent a idenity theft report to XXXX to remove XXXX XXXX XXXX XXXX accounts XXXX only removed the inquiry but not the whole accounts im dusputing the whole account XXXX is not reachable by phone this whole process took longer than 30 days also transunion has also have my police report and falied to remove accounts
Consumer complaint received 2022-02-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

On XX/XX/2022 I was informed that Select Portfolio Servicing published false information on my credit report, causing my credit to drop XXXX pts. I contacted the FTC and was told I could sue under the FCPA for any false reporting. I have had numerous issues dealing with this company, and after I informed the appropriate agency they retaliated by reporting false information on my credit report. In the month of XXXX after requesting an escrow closing, I received 11 letters from SPS, nothing having to do with my escrow account, except 1 letter. The other letters had nothing to do with what I was addressing. SPS did finally close my escrow account however, after checking online, I noticed the amount on my statement is wrong, my principal and interest adds up to {$530.00}. SPS has not modified my XXXX statement and they have not omitted the escrow account, which is closed. Moreover, as of XX/XX/2022, I have not received my mortgage statement. But they have sent 10 letters, not addressing my issue. They also sent me a letter with the following address : Select Portfolio Servicing, Inc XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Ironically, I did not see a copy of the letter with the XXXXXXXX XXXX address online XXXX but I do have a hard copy. The letter stated to send my mortgage payments to this address. This is not the address on my mortgage statement. I have never seen this address. I have requested numerous request to receive my monthly statements on time, yet again, they are always late.
Consumer complaint received 2022-02-21
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. (MI)

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry XX/XX/2021
Consumer complaint received 2022-02-21
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. (LA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2022-02-21
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. (LA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2021-06-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 30 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 50 days, so they should be erased immediately.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX : XXXX XXXX, XXXX : # XXXX XXXX XXXX : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-07
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. (OR)

Experian 's credit reporting service is impossible to cancel online ; you have to call a number and give them everything needed to sell personal information including DOB and SSN. Their system to allow subscribers to view detail on alerts appears to require users to re-register and create a new account and subscription. I did cancel over the phone but am not assured that the subscription is actually cancelled and that the company will stop withdrawing money from my account or use the cancellation to damage my credit score.
Consumer complaint received 2024-03-05
Product: Credit reporting 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. (AL)

There are several hard inquiries om my XXXX, XXXX, and Transunion that I did not authorize. Every hard inquiry not linked to an active open account need to be DELETED immediately. A list of the hard inquiries should be shown in the credit bureau database. My credit matters and is important to me. 
Apply these laws : 15 USC 1681 ( N ), 15 USC 1681 C-2
Consumer complaint received 2022-02-21
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. (NJ)

I sent a idenity theft report to experian to remove credit one and aspire/tobm accounts experian only removed the inquiry but not the whole accounts im dusputing the whole account experian is not reachable by phone this whole process took longer than 30 days also transunion has also have my police report and falied to remove accounts
Consumer complaint received 2021-06-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (NM)

In XX/XX/XXXX my heloc loan was changed to a 10 year note with payments jumped from {$450.00} to {$1200.00}. I was proactive in contacting US Bank to get this note refinanced as a 20-year second mortgage which the US Bank Rep told me to apply for a loan modification. 

I received the loan modification document packet in XX/XX/XXXX ; upon reviewing the docs it puts us right back where we started over 12 months earlier, a 10 year loan with {$1100.00} payments. 

So a US Bank Representative directed me to re-apply for a new loan modification. And on XX/XX/XXXX I received a letter saying 'Im qualified ', for a loan modification with no terms and Ive made the required 3 trail payments of {$1000.00} a month, and now its XX/XX/XXXX and still have Not received my loan documents. 

I've never spoken to anyone as to the terms of the loan modification over the last 28+ months, it was my understanding the loan modification program was to help lower my payments! 

Well with minimal to any correspondence with emails or phone calls, XXXX XXXX, not Supervisor Mr. XXXX XXXX nor anyone working on the Loan Modification has discussed any terms of when or how the HELOC loan would be modified! 

I originally requested to have the HELOC loan be modified or turned into a second mortgage as a 20-year Term Loan. This was due to the monthly payment was and is still Not within our ability to pay {$1200.00}, {$1100.00} nor the {$1000.00} a month on a 10-year loan! 

The terms are Not the requested 20-year Term to lower the payments ; But still set as a 10-year Mortgage with a {$1000.00} a month new payment ; my current loan is HELOC Not a Second Mortgage. 

US Bank has wreaked my credit rating which has caused all my lines of credit interest rates to skyrocket, plus the undo stress on my wife and myself which both of us have health issues, Im 100 % XXXX, that have been aggravated by this stressful time in our lives. 

As stated above, Ive emailed XXXX XXXX and XXXX XXXX on multiple times with no response, this has caused great concern that the help US Bank has offered is Not Serious with Truly helping their clients!
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat c payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (CA)

Monterey collection is in violation of the " reaging '' laws under FCRA act. They claim my husband and I owe a debt first reported as delinquent on our credit bureau report by them in XX/XX/XXXX. After some research into what the debt was I realized this loan was taken out in XXXX and was sold to another company in the same year. At that time I did not pay XXXX. This delinquent account never appeared on my credit report from the original lender nor did either of us named on the account get any notices that we were deliquent. This collection agency, I suspect, purchased this alleged debt and reported this as " new debt '' as of XX/XX/XXXX. I would like to know when the original lender reports this alleged debt as first going delinquent since that information was not reported on my credit report by ANY other entity until XX/XX/XXXX and only by this company. I want this removed our credit reports immediately under the FCRA law of " reaging '' that Monterey collections has clearly violated.
Consumer complaint received 2022-10-07
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX of XXXX, Chase bank made a wire transfer of {$31000.00} to a unauthorized user out of my checking acct. Chase bank maximum wire transfer amount is {$25000.00}. I notified chase bank on XX/XX/XXXX of XXXX  that it was fraud. It took Chase bank a full 7 days before attempting to do a wire recall. Chase bank refuse to refund my money after the banking negligence.
Consumer complaint received 2018-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (FL)

We utilize Regions online Bill Pay, and made a payment to XXXX XXXX XXXX XXXX on XX/XX/XXXX for an RV loan. In XX/XX/XXXX, Regions put the payment amount of {$670.00} back into our account because XXXX XXXX XXXX XXXX never cashed the payment. We have not been able to get an answer from XXXX XXXX XXXX XXXX as to why they did not accept the payment. We did not catch the redeposit transaction until working up the taxes this year. 
We did not get any notice from XXXX XXXX XXXX of a past due amount, and when I called to inquire, was told it was my fault because I did not notify them of an address change. However, I receive a monthly reminder through email that would constitute a point of contact, but XXXX XXXX XXXX chose to ignore that, and churn the account with late fees. 
I contacted Regions about my bill pay account to get documentation so that I could prove I made the payment, that is when I found out about the redeposit in XX/XX/XXXX. Because XXXX XXXX XXXX did not cash the payment, Regions could not provide the documentation, nor could they provide documentation of our checking account more than 6 months in arrears. They sent a letter to XXXX XXXX XXXX XXXX, which I believe XXXX XXXX XXXX XXXX ignored. The letter is attached. 
I MADE THE PAYMENT IN GOOD FAITH, but made the mistake of relying on the online banking system for documentation, which there really isn't any after 6 months. 
Please address this issue, I am a business owner, and about to change ALL my correspondence back to paper copies and forget online banking.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-06-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (NY)

I received an alert on my phone questioning a transaction. I called customer service at NetSpend and stated I did not authorize the charges. 
This triggered and instant response of the card being marked lost/stolen and shut off the card. Suddenly I had no card to pay my current bills and the funds were trapped in that account. 
After about 6 hours of unsuccessful calls to customer service there was no solution to paying my car loan and insurance on time. 

Then to add insult to injury even though the card had been blocked at around XXXX on the XX/XX/XXXX they posted additional charges to my account through that blocked card at XXXX XXXX  that night. 
All the activity discussed exists on my Netspend account on XX/XX/XXXX through XXXX 2021, the account alerts show other attempts also that failed to get through.
Consumer complaint received 2021-06-11
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: AMERICAN EXPRESS COMPANY (NY)

I got these accounts that are not mine and i want it to be removed from the 3 credit reporting agencies. See the list bellow 1. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

2. Identity Theft AMEX Account Number : -XXXX**** This is not mine.

3. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

4. Identity Theft Chapter XXXX  Bankruptcy Case Number : XXXX  This is not mine.
Consumer complaint received 2022-02-21
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. (TX)

I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.
Consumer complaint received 2022-02-21
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: Experian Information Solutions Inc. (IL)

I have communicated with Experian on XX/XX/2022 by sending them a letter via certified mail. I submitted a complaint on XX/XX/2022 and the complaint ID is XXXX. In that letter I told them to send my credit FILE, not credit report. They have ignored that and responded to the complaint saying they are sending me report for review.
Consumer complaint received 2021-06-11
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: Santander Consumer USA Holdings Inc. (NY)

Santander has been violating my rights by taking individual action multiple times after I have complaint many times of it and was ignored. this situation is causing my life to become XXXX due to all the XXXX  and lies they have pushed on me and my families life.