davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022 A collection account was deleted from my credit report ( Experian, XXXX, and XXXX ) which is typically a good thingand as a result, My scores for XXXX and XXXX increased on XX/XX/XXXX XXXX my Experian score went down XXXX points!!! I contacted Experian XX/XX/2022 to gain clarity and rectify the error on their behalf ( considering that usually consumer credit scores increase when collections are deleted ) but several representatives that I spoke to said that they do not know why my score decreased XXXX points and admitted that it was a bit odd considering my score increased for XXXX and XXXX, then I was told by several representatives that they didnt have anyway to handle a dispute of such matter in that particular department which was the dispute department so they referred me to their membership department and each time I was transferred to that department, the representative from the membership department put me on a brief hold and then proceeded to disconnect the call. I simply want them to refurbish my credit score back to where it needs to be but at this point I feel no one their actually cares to do so. This is my complaint, what should I do
Consumer complaint received 2020-07-30
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)

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a which was highly embarrassing and has negatively impacted my lifestyle.
Consumer complaint received 2021-04-13
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. (PA)

on XXXX-2021 i sent Equifax a cerified mail to dispute the inaccuracies on my credit report, its been over 30 days and they have not responded to my request. Under the FCRA they are required to respond in 30 days, and they failed to do so. I am extremely stressed and sad they violated my consumer rights. I want these inaccurate, unverifiable accounts to be removed from my credit report.
Consumer complaint received 2018-12-19
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. (NJ)

TransUnion has me listed at a previous address in XXXX, Maryland. I have never lived in XXXX, Md. 

This need to be corrected. TransUnion consistently continues to get things WRONG ... very WRONG!!! 

I need this corrected and an explanation why incorrect entries continue to show up on my credit report and score.
Consumer complaint received 2018-05-21
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. (PA)

I have called each Bureau numerous times to correct my name and address.They are reporting my name incorrectly also my address. My names has the incorrect spelling. They have address I have never lived. I asked to just update with current address and delete those that I have never resided and nothing happened. I called and sent in letters. I have also sent in 609 letters requesting accounts to be verified and they mail me back a report stating updated. I requested each bureau proof on paper to be mailed to me of each account showing to be verified and updated. If they can not provide that proof they should delete it immediately. All this is what i sent in my 609 letter. I received no verification from any account. I want all to be deleted and  my name and address to be correct. This is taking a toll on my financial situation. I want what belongs to me and everything that is not mine to be deleted. I want accuracy. I am fighting for my report to be correct and they are ignoring me. I want proof of every account they have, that is supposedly mine. I want my name to be correctly spelled. i want my address to be correct and every address not mine gone. I want the correct social security number on there. I just want accuracy.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

i responded to XXXX and equifax about negative items on my credet report on XX/XX/2018, delivery comformation # XXXX Equifax comformation # XXXX, asking them to verify these items bearing my signature and haven't heard anything from them. i understand that they have 30 days to reply to my request, via the FCRA laws before it is considered a violation with them.because this is affecting me from getting a house
Consumer complaint received 2019-08-30
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: CORELOGIC INC (TX)

There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.
Consumer complaint received 2018-05-21
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing , Inc. reported that I didn't pay my mortgage for many months and that's not true. 

I have ALWAYS paid my mortgage every month using XXXX XXXX XXXX  auto-pay. I pay it in ( 2 ) payments to keep my cash flowing. 

I did not realize they increased my mortgage due to an escrow increase so now I was UNDER-paying my mortgage and this went on for months without my knowledge. 

I only knew something was wrong when my credit score plummeted from XXXX to XXXX because I was reported as delinquent. 

The minute I understood what happened, I express-paid the balance for the tax increase of {$2600.00} and I increased my mortgage payments as well. 

I would greatly appreciate the credit bureaus showing I am paid up and on time. 

Thank you. 

XXXX XXXX Cell : XXXX XXXX XXXX
Consumer complaint received 2018-05-21
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. (PA)

I have called each Bureau numerous times to correct my name and address.They are reporting my name incorrectly also my address. My names has the incorrect spelling. They have address I have never lived. I asked to just update with current address and delete those that I have never resided and nothing happened. I called and sent in letters. I have also sent in XXXX letters requesting accounts to be verified and they mail me back a report stating updated. I requested each bureau proof on paper to be mailed to me of each account showing to be verified and updated. If they can not provide that proof they should delete it immediately. All this is what i sent in my XXXX letter. I received no verification from any account. I want all to be deleted and my name and address to be correct. This is taking a toll on my financial situation. I want what belongs to me and everything that is not mine to be deleted. I want accuracy. I am fighting for my report to be correct and they are ignoring me. I want proof of every account they have, that is supposedly mine. I want my name to be correctly spelled. i want my address to be correct and every address not mine gone. I want the correct social security number on there. I just want accuracy.
Consumer complaint received 2022-06-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

Company National credit system They dont want reduced my account I paid XXXX XXXX.on XX/XX/2022 Balanced {$2800.00} they dont want reflect in my credit beareu.when I try to talk whit the representative he used abused language whit me and he increase my amount again .I request a letter whit balanced because in my statement is paid in full they never send to me thats affecting my credit.
Consumer complaint received 2022-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I HAVE SENT XXXX, TRANSUNION, XXXX & XXXX SEVERAL WRITTEN NOTICE OF DEMANDS WHICH WERE ALL IGNORED. I DID NOT GIVE XXXX WRITTEN CONSENT TO USE OR FURNISH MY INFORMATION TO ANY THIRD PARTIES, AGENCY OR COMPANY. PLEASE SEE ALL DOCUMENTS ATTACHED.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/24 i sent transunion a letter asking them to verify information claiming to to be reported on my credit report. I have waited 30 days and they have not responded to my request and have not even let me know they are processing things
Consumer complaint received 2019-03-28
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: Bread Financial Holdings, Inc. (SC)

I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXXXXXX and XXXX was no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX
Consumer complaint received 2018-12-19
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. (PA)

I once had a joint credit card with my now ex-husband ( XXXX XXXX XXXX ) with XXXX   and XXXX XXXX XXXX XXXX in XXXX, PA. Per our marital settlement agreement filed in XX/XX/XXXX in XXXX County, PA, my name was to be removed from this account in some manner by him upon our divorce ( which was granted in XX/XX/XXXX ; see attachments ). Currently, my Equifax credit report shows this account as having closed in XX/XX/XXXX. However, I recently noticed that my credit scores dropped considerably, due to the creditor having reported a negative change in the account 's payment status and an increase in the balance. For example, per XXXX XXXX, my XXXX  decreased by 41 points on XX/XX/XXXX due solely to the increased balance of this account ( see attachment ). 

I filed a dispute about this information in early XX/XX/XXXX with XXXX, Equifax, and XXXX. The first two credit reporting agencies have closed my dispute and have made no change to my report, claiming that the account information is correct. I simply don't understand how this is possible -- my name has been removed from this account per court order and the credit bureaus themselves all list this account as closed. I do not bear any responsibility for this account as of the date of my granted divorce decree, and yet both XXXX and Equifax have refused to remove this negative item from XX/XX/XXXX from my credit report.
Consumer complaint received 2020-06-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: First Investors Servicing Corporation, Atlanta, GA Branch (AZ)

We have been attempting to enroll in a Covid 19 program for payment assistance sinceXX/XX/XXXX 
Here are the notes we have on our end : XXXX > first call to inquire about the program found on your website offering Covid 19 payment assistance. 
XX/XX/XXXX> emailed insurance declaration XX/XX/XXXX>spoke to a rep about a specific program ( temporary reduction via refiance for 4 months @ 6 % APR ) ; We were told that 1st Investors was not reporting any late payments at this time. 
XX/XX/XXXX> emailed insurance declaration again to another rep who said they could not find it XXXX XXXX XX/XX/XXXX>spoke with XXXX for an update XXXX XX/XX/XXXX>Spoke with XXXX XXXX manager for an update XXXX XX/XX/XXXX>Spoke with XXXX for another update ; We were told that everything was received an we were awaiting for the next steps. We asked about credit reporting and he relayed to us that they were not reporting any late payments during this Covid crisis at the very least and not to worry about it at this point. 
XXXX XX/XX/XXXX> spoke to XXXX due to XXXX not available because of vacation and that the case # was now missing on the declaration for the insurance. 
XX/XX/XXXX> Spoke to XXXX XXXX ( another manager ) who said the insurance was still not updated in their system but was updated on the insurance system ( a conference call with the insurance company verified it was completed and on their system. XXXX at this point offered another program to enroll in if we were unsuccessful with the current one and was going to call us back with details. ( one month deferral program ). We never received another call back since. 
XXXX XXXX I spoke with a manager whom indicated that we still were not enrolled in a program and that we could start the process for a different program at which point I informed her that we were already attempting to refinance with a credit union. I asked her if we needed to make a payment in order to have to time to refinance which we knew could take about 10 days and she was unsure and directed me to call another #. 

At this point in time we have given up on any program and have successfully secured new financing from XXXX XXXX XXXX XXXX   XXXX. 
How ever, I was un pleasantly surprised to find any creditor reporting late payments of any kind while we are in this Covid Crisis period. 
We are both now unemployed and have no idea as to how long this will continue base on government guidelines. However the loan will be paid in full with in the next few days and I would like the credit department to remove the late payment and correctly place a paid in full closed account remark instead. 
I respectfully ask that this be done immediately.
Consumer complaint received 2018-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (AZ)

XX/XX/2018 {$450.00} owed AR Recovery Resources I have disputed this matter 4 times and contacted company and they can not tell me who thebcollection agency is butnit is on my credit report and i have not had any debt collectors since my chapter XXXX bankruptacy 3 years ago. So thisnis not my account and it needs to be removed immediately.
Consumer complaint received 2018-05-21
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. (PA)

I have called each Bureau numerous times to correct my name and address.They are reporting my name incorrectly also my address. My names has the incorrect spelling. They have address I have never lived. I asked to just update with current address and delete those that I have never resided and nothing happened. I called and sent in letters. I have also sent in XXXX letters requesting accounts to be verified and they mail me back a report stating updated. I requested each bureau proof on paper to be mailed to me of each account showing to be verified and updated. If they can not provide that proof they should delete it immediately. All this is what i sent in my XXXX letter. I received no verification from any account. I want all to be deleted and my name and address to be correct. This is taking a toll on my financial situation. I want what belongs to me and everything that is not mine to be deleted. I want accuracy. I am fighting for my report to be correct and they are ignoring me. I want proof of every account they have, that is supposedly mine. I want my name to be correctly spelled. i want my address to be correct and every address not mine gone. I want the correct social security number on there. I just want accuracy.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: WELLS FARGO & COMPANY (GA)

WF In XX/XX/XXXX I ordered and received my Consumer Comprehensive File Disclosure Report from XXXX XXXX XXXX. The report indicated the existence of an account at Wells Fargo that I was previously unaware of, so another unauthorized account at Wells Fargo. Account information is as follows : Routing : XXXX Account : XXXX As indicated by the attached report, the account was seemingly opened in XX/XX/XXXX and is still operational, or at least was as of XX/XX/XXXX, with transactions continuing during the time I was XXXX in GA from XX/XX/XXXX to XX/XX/XXXX. The annual cash flow through the account is over {$1.00} million. Wells Fargo denies me access or even statements for this account and goes as far as denying its very existence.
Consumer complaint received 2019-03-28
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: Bread Financial Holdings, Inc. (SC)

I have a loan with XXXX  I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and XXXX with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XX/XX/2018 XX/XX/2018
Consumer complaint received 2018-05-21
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 — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP (FL)

I completed a 36 month lease agreement for a XXXX honda XXXX with Honda Financial Services XX/XX/XXXX. Vehicle was turned in with 0 payments due. 45 days later While Honda Financial Services had possession of said vehicle, Honda Financial Services was given a detailed inspection list of wear and tear for end of lease damage. HONDA Financial services in returned billed me XXXX. I wasnt offered a new contract stating the terms of repayment for the end of term damage. I PAID the XXXX and a negative report was still reported to all 3 credit bureaus. The 45 days it took to create the damage report would definitely show that the XXXX bill wasn't a monthly payment. I've disputed error and I'm told account is mine, which I never denied being the leasee of the XXXX honda XXXX. 
as of XX/XX/XXXX Honda Financial Services still reports to the credit bureaus a car payment that was 60 days late. This is not fair. 7 years later I am still requesting they delete all history good or bad of this account from my credit report. Im requesting new laws on how fees accumulated at end of lease are collected.
Consumer complaint received 2022-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

My case : I have fell victim to a backdoor scam on the XXXX platform. I have been trading on a site similar to it and now I can not withdraw my funds. 
My funds are locked on the platform. I used my XXXX account to transfer XXXX  to the platform which does work and syncs up with the exchange. I was able to transfer XXXX from the back door platform site to my XXXX  and then my bank so it is real. However, now I am being told that I cant withdraw my funds until I pay my share. 
I have all hashes, screenshots, wire transfers with my bank to the XXXX exchange, and wallet IDs on the platform. I also have contact details with a representative from the platform and the platform URL/domain. 

Please assist me in reversing this whole situation. Its a nightmare and I want justice or at the very least what I put in. 


Please contact me at my cell number XXXX to discuss further.
Consumer complaint received 2022-06-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC (FL)

GreenSky provided a loan for XXXX XXXX to perform medical procedures which were performed on joints that can not be fixed. I have contacted GreenSky several times about my issues with QC and their unfair and illegal sales tactics. GreenSky refused to help and violated my rights as a consumer to dispute the charges and said if I dont pay they will ruin my credit. The interest rates are higher than advertised and are all front loaded. There have been many complaints against GreenSky and taking advantage of vulnerable situations. GreenSky has not answered a single message or email as I have emailed them 4 times since XXXX.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Ive been disputing Bankruptcies that have been Reporting inaccurately On my credit report for months. Experian says they have been verifying this through XXXX. The problem with that is that my credit file with XXXX is frozen. I called XXXX myself to verify if any information is given out while my file is frozen and A representative confirmed that once the file is frozen no information is given out of any kind. So with that being said I want to know how Experian is verifying this. I have attached the dispute results from Experian Which clearly says they confirmed with XXXX along with the letter from XXXX XXXX confirming that my file is frozen.