davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
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. (TX)

My name is XXXX XXXX. I paid for a membership with Experian to get my " credit score '' so I could prepare properly for applying for a mortgage. 

To my dismay, the score they give you when you pay them is an erroneous score that has no connection to reality. I have since learned that Auto dealerships, credit card companies and mortgage companies use different scores.

Experian gives you a " Score8 '' product that they peddle as accurate when NO mortgage companies use that score. 

In addition, once you realize this is a TOTAL scam product, YOU CAN NOT UNSUBSCRIBE from their relentless marketing emails. I called them on the phone repeatedly and no one would remove me from their email list. I requested to be removed via their chat, no results. 

This is tantamount to an abusive telemarketer calling you repeatedly when you are on the do not call list. This company should be fined MILLIONS for the harassment of the American people like me.
Consumer complaint received 2020-02-19
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. (CA)

us dept of education has two accounts appearing wrongfully on XXXX, XXXX  and equifax ... ..they are both account no.s XXXX and XXXX..BOTH OF THE ACCOUNTS HAD A FINAL PAYMENT XX/XX/2011.both of the accounts have been delinquent since XX/XX/2011 and never were brought current.So according to the FCRA both of the accounts should have been removed from all of my credit files about 1.5 years prior.THE DATE OF FIRST DELINQUENCY IS IN XX/XX/2011.THIS IS CAUSED BY MISREPORTING OF THE CREDIT HISTORY.THIS IS A VERY GRAVE ERROR ON THE PART OF THE CREDITOR AND BUREAUS.THE BUREAUS INVESTIGATION MUST INCLUDE WHAT I HAVE JUST STATED AND BE DELETED.ANY OTHER BEHAVIOR WILL LEAD TO INJUNCTION OF THE SUIT IMMUNE CREDITOR AND A STATUTORY WITH LIKELY PUNITIVE DAMAGES AGAINST THE BUREAUS.BEING A REPOSITORY CARRIES OTHER FCRA DUTIES SO WITHIN 30 DAYS ALL BUREAUS MUST REMOVE THESE 2 ACCOUNTS BECAUSE WHAT I HAVE SAID IS FACTUAL.
Consumer complaint received 2022-12-16
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. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX  XXXX Date Open XX/XX/XXXX Balance {$0.00} and XXXX XXXX  XXXX XXXX. XXXX Date Opened : XX/XX/XXXX XXXX {$0.00}.
Consumer complaint received 2020-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

us dept of education has two accounts appearing wrongfully on XXXX, transunion and XXXX  ... ..they are both account no.s XXXX and XXXXBOTH OF THE ACCOUNTS HAD A FINAL PAYMENT XX/XX/2011.both of the accounts have been delinquent since XX/XX/2011 and never were brought current.So according to the FCRA both of the accounts should have been removed from all of my credit files about 1.5 years prior.THE DATE OF FIRST DELINQUENCY IS IN XX/XX/2011.THIS IS CAUSED BY MISREPORTING OF THE CREDIT HISTORY.THIS IS A VERY GRAVE ERROR ON THE PART OF THE CREDITOR AND BUREAUS.THE BUREAUS INVESTIGATION MUST INCLUDE WHAT I HAVE JUST STATED AND BE DELETED.ANY OTHER BEHAVIOR WILL LEAD TO INJUNCTION OF THE SUIT IMMUNE CREDITOR AND A STATUTORY WITH LIKELY PUNITIVE DAMAGES AGAINST THE BUREAUS.BEING A REPOSITORY CARRIES OTHER FCRA DUTIES SO WITHIN 30 DAYS ALL BUREAUS MUST REMOVE THESE 2 ACCOUNTS BECAUSE WHAT I HAVE SAID IS FACTUAL.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/2024, I settled this charge off account improperly sold to XXXX XXXX third party holder thats not listed on my credit report, and paid in full the amount delinquent. I received an email verification with an updated statement of paid in full for this account. 
XX/XX/2024, I called Capital One, the original account holder, to request a balance statement update to which I was told that the account was paid and is listed as paid but will not receive a statement from Capital One until 22 viewing days have passed as I can dispute transaction with my bank. I was then transferred to XXXX XXXX to get a statement I already received from XXXX XXXX 
XX/XX/2024, I was advised by XXXX XXXX to put a verbal authorization on my account with Capital One to verify account and status for XXXX and XXXX so that I can get a rescore done in process of a home loan. That was done according to Capital One records, or so I thought. 
XX/XX/2024, I was contacted by XXXX XXXX to get told that the account I had with Capital One was placed under investigation and that no authorization was on file ; thus impeding me from receiving the required documents my loan officer required for rescore.I again, requested a verbal authorization from Capital One for XXXX and XXXX to obtain information about the account to which I was told that the only information that Capital One could disclose was that the account is in a pending status and could not supply that information to either credit bureau. 
XX/XX/2024, I have not attempted to contact Capital One again. I do not feel like Im being told the same information from any call I place. Its never the same information. Im getting passed around and getting screwed out of a house for my family because Capital One is refusing provide me with a receipt of what I paid.
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MN)

I filed Chapter XXXX bankruptcy in the United States District Court of Minnesota Bankruptcy Court and has notified XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX AZ XXXX XXXX and XXXX XXXX  XXXX/XXXX  XXXX, countless times in regards to a debt the above creditors is trying to collect from me. The debt was discharged in Chapter XXXX bankruptcy court. The above creditors are in violation of the bankruptcy court Automatic Stay which prohibits all collection activity, including legal action, garnishment and contact via phone and mail. All my debt was discharged in Chapter XXXX bankruptcy court in the United States District Court of Minnesota. I want Equifax and XXXX  to notify the above creditors and immediately delete the accounts from my credit report, as the accounts was discharged in Chapter XXXX bankruptcy court.
Consumer complaint received 2020-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (WA)

After receiving response from CMRE they have sent another letter yet again! Staying they have reported it to credit bureau on something I got told got paid off. After fighting this for over a year. They are aware they LEGALLY CAN NOT TRY TO BILL me. This needs to be solved!!! If this is something that gets reported I will get a lawyer if necessary.
Consumer complaint received 2015-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NCC Business Services, Inc. (MO)

According to my XXXX and XXXX credit file, NCC started reporting this non-validated debt in XXXX. I have sent multiple letters requesting that they either validate the debt or remove these entries from my credit file. They have done either. This debt remains on XXXX the aforementioned agencies. Some of these letters were notarized. The dates these were recently mailed were on XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; and as recently as XXXX XXXX, XXXX. The item was removed from my XXXX report dated XXXX XXXX, XXXX. I have never been notified of this debt.
Consumer complaint received 2020-02-19
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: Experian Information Solutions Inc. (CA)

us dept of education has two accounts appearing wrongfully on experian, XXXX  and XXXX  ... ..they are both account no.s XXXX and XXXX.BOTH OF THE ACCOUNTS HAD A FINAL PAYMENTXX/XX/2011.both of the accounts have been delinquent sinceXX/XX/2011 and never were brought current.So according to the FCRA both of the accounts should have been removed from all of my credit files about 1.5 years prior.THE DATE OF FIRST DELINQUENCY IS INXX/XX/2011.THIS IS CAUSED BY MISREPORTING OF THE CREDIT HISTORY.THIS IS A VERY GRAVE ERROR ON THE PART OF THE CREDITOR AND BUREAUS.THE BUREAUS INVESTIGATION MUST INCLUDE WHAT I HAVE JUST STATED AND BE DELETED.ANY OTHER BEHAVIOR WILL LEAD TO INJUNCTION OF THE SUIT IMMUNE CREDITOR AND A STATUTORY WITH LIKELY PUNITIVE DAMAGES AGAINST THE BUREAUS.BEING A REPOSITORY CARRIES OTHER FCRA DUTIES SO WITHIN 30 DAYS ALL BUREAUS MUST REMOVE THESE 2 ACCOUNTS BECAUSE WHAT I HAVE SAID IS FACTUAL.
Consumer complaint received 2022-03-25
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. (TX)

I MAILED IN MY FTC ALONG WITH CHALLENGE LETTER ABOUT INFORMATION BEING INCORRECT ON MY REPORT.
Consumer complaint received 2021-04-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

As a result of the most recent winter storm in which impacted the Texas area, my place of employment was closed. I, XXXX XXXX contacted Santander Consumer in regards to Account # XXXX in efforts to seek deferrement options or repayment plan. In XXXX, I was granted an extension and since my place of employment sustained extensive damages and was still unable to reopen, I once again contacted Santander once again on XX/XX/XXXX. I spoke to a representative who advised me another extension was granted. 

As it stands today, we have still been unable to reopen due to these damages but I borrowed funds to make my XXXX payment. I contacted a representative at the above referenced company and was advised that even though I was told a payment extension was and would be granted in XXXX that was no longer the case. I am now 40 plus days in the arrears and payment needs to be rendered immediately in the amount of {$1700.00}. The payment must be rendered and will report derogatory on my consumer reports. 

Appalled and devastated I requested to speak to a supervisor who relayed the same information. My extension was not granted due to the call being disconnected. My place of employment is scheduled to reopen this weekend for the first time since the storm ended. I work in a restaurant and we have been devastated by both the pandemic and now the storm. I requested the originally extended repayment option be applied to no avail. I was able to render one month payment in the amount of {$56000.00} but unfortunately I'm not able to render any additional payment until after I commence work. The company has poor ethics and very insensitive to the needs of its consumers. These practices should be deemed predatory as their primary objective appears to be to repossess the cars of unfortunate customers who unwittingly agree to utilize their services.
Consumer complaint received 2020-02-19
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. (AZ)

I have reached out multiple of times informing this company that i have not taken a loan out at anytime and also requested they send verification and method of verification and i have yet to receive any information with my signature confirming the consent
Consumer complaint received 2017-06-06
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: Experian Information Solutions Inc. (CA)

I was informed by  XXXX  's salesmen that the first inquiry on my experian credit report will be a soft inquiry, however it is reporting as a hard inquiry on my report, therefore I would like it removed immediately. i have two inquiries on my report, so i would like the both of them removed since i was fed inaccurate information by  XXXX .  <P/>  XXXX   XXXX /  XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  Automobile Dealers, Used  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX  Auto Financing Companies  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX
Consumer complaint received 2020-02-19
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: BTH Management (AZ)

I have reached out multiple of times informing this company that i have not taken a loan out at anytime and also requested they send verification and method of verification and i have yet to receive any information with my signature confirming the consent
Consumer complaint received 2020-02-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

me and my wife seprate in XX/XX/XXXX and the house is in both of our name.and left me with aXXXX XXXX morage to pay.so I contact morage people and in formend them a bout what happen and the told me that it was not the problem.I in formend theme that I will pay the pass due on XX/XX/XXXX. the are threat me with full closer and it is not 3 month .iam XXXX  from my job and I work XXXX XXXX.and iam XXXX  years old sending me threating litter.
Consumer complaint received 2019-08-05
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. (GA)

To whom ever this may concern : In XX/XX/2018 I disputed incorrect information being reported on my credit report by XXXX XXXX. I provided letters to XXXX, XXXX and Experian, requesting specific information pertaining to this account. After the investigations were completed by XXXX and XXXX, XXXX XXXX was recently deleted from these reporting agencies. I have made several attempts with Experian months prior too as well. Experian has not yet deleted this information or provided me with the specific information I've requested. I have attached a copy of the letter I provided to all the credit reporting agencies mentioned. I ask that you please look into this matter to have this item removed from my credit report. Thanks for taking the time to listen to my complaint.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

The Company is PayPal. The issue is the company had changed the due date of the account. The due date was the 8th of every month. They never sent a notice informing that the account was pass due. I Called them and told them the due date was the XXXX of the month. They said we made a change on your due date to the XXXX of the month. I mention when did you make the change. She wasn't able to tell me. I asked How did you notified me of the change she was able to tell me. I asked for a copy of the change She was able to send it to me. the Payment on the statement said due XX/XX/XXXX for {$79.00}. They said they would credit my account {$60.00} .which would live a balance of {$19.00}. She said no you will need to send {$79.00}. The {$60.00} never was credited to my account I did pay the {$79.00}. Now it looks to me they have a cash flow problem and they created an overcharge and they cut my credit line that now the account will get hit with more fees. This was done to me now multiply XXXX by XXXX XXXX customs this is a lot of money they have over charged people.
Consumer complaint received 2020-02-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

In an attempt to fix up some errors on my credit report, I have asked on several different occasions that the credit bureau 's verify that the information from a XXXX XXXX account that had been sold to Portfolio was reporting correctly. first letter dated XX/XX/XXXX it came back " verified '' from the credit bureau 's. I asked again, letter dated XX/XX/XXXX, the last one i sent on XX/XX/XXXX using the CFPB dispute letter. Each time, the credit bureau 's came back " verified '' or information " updated '' and the accounts are still reporting incorrectly according to what I can see and they have failed to respond to the CFPB letter within 30 days. None of the information that is outlined and requested on that letter had been submitted by Portfolio.
Consumer complaint received 2020-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OH)

It will be easier for me to forward a letter we sent to a senator XXXX XXXX, explaining on wells fargo mtg, just forged our signatures, or pre imposed them as we never saw any Notary, except when we first got our house, at Ohio XXXX XXXX  XXXX, Ohio XXXX, back in 1989. 

XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MI)

My mortgage was sold to Specialized Loan Servicing LLC after paying for 13 years to one other company. The new company doesnt report my payments to the credit companies. I had filed bankruptcy but reaffirmed my house. I sent the reaffirmation letter to the new mortgage company but they still wont report my payments to the credit companies.
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I have an email from an employee of XXXX XXXX XXXX XXXX by the name of XXXX XXXX who analyzed my credit report and gave me a summary of the repairs that would be made on my credit report. 
On XX/XX/XXXX, I received an email from XXXX XXXX, Senior Consultant, employee of XXXX XXXX XXXX XXXX who informed me that XXXX XXXX was no longer employed by them and that he would be assisting me. 
On XXXX, I received another email from XXXX XXXX and telephonic communication who helped me to sign my contract through a company by the name of NOTARIZE through live video and audio conference call. 
On XX/XX/XXXX payment of {$500.00} deposit, XX/XX/XXXX payment of {$400.00} and XX/XX/XXXX payment of {$400.00}. 
As of XX/XX/XXXX, It was my belief that XXXX XXXX began to repair my credit. I was told by XXXX XXXX that they were going to place fraud alerts with the bureaus so that my credit would not be accessed as they were attempting to repair. As the months passed, I received lots of emails from the bureaus and saw an increase in my credit score. At some point, I had a question regarding a creditor on my credit report and was unable to contact XXXX XXXX. I kept calling and finally got an agent who told me that they were having some technical issues with their website but that they were working on it and that she would contact the back office to inform them of my concerns. I never heard from XXXX XXXX from that point. As I review my credit score now, it appears that my score has dropped to the score or below the score that I originally had when I first contacted XXXX XXXX. I'm not sure if XXXX  reversed the scores or if the bureaus reversed the score, but I would like it to be investigated.