davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-03
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

Hello, I have my several attempts to contact fed loans, I have written several letter that has gone unanswered, called numerous times and emailed the ceo and nothing has changed or been updated. I was under the unemployment deferment program due to being hospitalized and I had no income coming in, fed loans still reported my loans late and caused my score to decrease over 200 points. Which has resulted in me not being able to be approved for housing due to having low credit score as well as recent late payments. I have until XX/XX/XXXX to find a place to stay with the recent late payments and low credit score it will be impossible to do so.
Consumer complaint received 2021-09-21
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. (AZ)

I have 5 inquiries on my credit report that I m not familiar with, From 1. XXXX/XXXX 2. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX These credit inquires are on my report and I have no idea where they came from, They are fraudulent and would like to have them removed immediately.
Consumer complaint received 2020-12-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MI)

I have been trying to work with you and figure out whats going on Ive had no direct communication youve sent no letters or anything like that explaining what youre doing But from what Im gathering from XXXX XXXX in my credit reports there were four accounts open fraudulently they apparently were all opened with the exact same information youll me into the accounts you agreed that it was fraud and that I did not open these accounts and you have close them the other two accounts it looks like you close them but youre saying it wasnt fraud? 

XXXX XXXX Account Number Ending in XXXX XXXX  XXXX XXXX Account Number Ending in XXXX Lowes XXXX Card  Account Number Ending in XXXX XXXX XXXX Account Number Ending in XXXX So youre claiming that the Lowes card belongs to me and the XXXX XXXX card belongs to me but I dont really understand how or why do you think that he said something about receiving payments on the Lowes card but I never made any payments to you do you want to see copies of my bank statement youll see that Ive made no payments to you not just this card but any of the cards listed above in reviewing my credit reports I see multiple fraudulent addresses that do not belong to me nor did they ever belong to me and Im wondering are those the addresses that youre sending everything to? Because Im not getting anything in the mail I cant Im just a little confused if you have the exact same information for all four of the accounts how can you decide the two of them were fraudulent and two of them were not it just makes no sense at all
Consumer complaint received 2022-05-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : US DEPT ED XXXX* US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Equifax failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Disputes were submitted to Transunion XX/XX/18. I received a letter from Transunion dated XX/XX/18 that was postmarked XX/XX/18 requesting proof of address and identity. With my original dispute they received my military id which has my social security number on the front of it and a letter from social security & veterans administration with my address. Now they want a bank statement as on of the forms. Who in their right mind would send a bank statement. This is nothing more than a stall tactic to get additional information and extend their time for investigating. This is a unreasonable request and unnecessary. Transunion is in violation of the FCRA.
Consumer complaint received 2021-04-28
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. (CA)

According to the credit bureaus, their data shows a mortgage of {$380000.00} with creditor name " XXXX XXXX '' on my property at XXXX XXXX XXXX XXXX CA XXXX, but I have no mortgages on any of my properties. Moreover, I have never dealt with XXXX XXXX at any time. I called them today and they confirmed they show no loan on the property, and no record of my SSN or my wife 's SSN ( we are joint tenants/community property owners ) in their records.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

I am seeing that the credit bureaus are reporting incorrect information on my credit report in the form of 2 incorrect addresses that should not be on my credit report. I have tried on several occasions to get them to remove this information and to correct it but they refuse to do so. 

XXXX XXXX XXXX XXXX in XXXX, FL. ****IS NOT MY CURRENT ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORTS IMMEDIATELY****** XXXX XXXX XXXX, XXXX XXXX SC XXXX ****IS NOT MY CURRENT ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORTS IMMEDIATELY****** You are only to report CURRENT Up to date information and you are not doing so. 

Employment Status should be reported as :XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX**Please update the correct wording to reflect what I do professionally******
Consumer complaint received 2019-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

Rushmore declared that is a loan servicer and not the owner of the loan. Therefore not a real party of interest : it can only collect the money and pass to the owner. Also, do not have the right to enforce the loan Please refer to US Code Title 12, Part 226- Truth in Lending.

It defines who a lender is, and what the rights of service are. Specifically, it refers to 226 ( a ) 1 that a servicer is not treated as the owner of the obligation
Consumer complaint received 2020-12-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (TX)

I have been trying to make purchases with my new Paypal credit account and it wont come up in the checkout with paypal credit. I contacted Paypal and Synchrony bank and they both said it has to do with a high tech security system they have. I have a large credit line with Synchrony/Paypal Credit and I can not get anyone to help me. I have read through Paypal Credit community and there are hundreds of people going through this and no one from Paypal will help them/us. It's XXXX and people are trying to shop, they run our credit and give us a high limit, but then do not allow us to use the card on any site. This isn't right. Please stop them!
Consumer complaint received 2020-12-13
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. (CA)

The referenced credit bureau has ignored my requests to property investigate and is inaccurately reporting a bankruptcy on my credit report. When written disputes are submitted, I receive an auto generated response stating that they are confirming the information with XXXX XXXX ( a third party verification company ). 

I reached out to XXXX XXXX to verify this information and they have assured me that there is no such bankruptcy being reported by them as of XX/XX/2020. I have attached a letter from them stating my information was updated for your records. 

This inaccurate reporting from Equifax and XXXX  is inaccurate, it is hurting me personally and my chances of showing credit worthiness, I have been denied XXXX loans and government assistance for XXXX loans because of these inaccuracies and it has caused extreme hardship, stress and time trying to get this corrected.
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (SC)

I received a copy of my credit report with the collection from Convergent Outsourcing noted on it from XX/XX/2018 in the amount of {$340.00}. I have never done business with Convergent Outsourcing.
Consumer complaint received 2021-06-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

I received a series of emails for Experian stating the report for my dispute was available I never filed a dispute. After trying for more than an hour to get a live person on the phone. I then spent 20 minutes verifying my identity. When I was finally asked for the report number and the name on the report they refused to tell me how my account had been mixed up with another person 's. They have comingled our accounts. I have a fabulous credit score. I will be very unhappy if it gets damaged because Experian has confused my account with someone elses. I could get no satisfaction from their disinterested foreign call center employees.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (TN)

I Contacted Consumer Portfolio Services about a Negative Item that they are Reporting on my Credit Report ... 

The Negative Information is a Car Loan Account XXXX ... which was Fully Paid on XX/XX/2015 ... 

On my Credit Report..they show a Late Payment on XX/XX/2015 even though they received a Payment of {$4200.00} on XXXX XXXX and they Accessed an Interest of {$170.00} on XXXX XXXX
Consumer complaint received 2021-06-25
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: Experian Information Solutions Inc. (IL)

HELLO, I AM INQUIRING ON THE PREVIOUS INVESTIGATIONS THAT THE CREDIT BUREAUS HAVE PERFORMED. I FEEL LIKE NOTHING HAS BEEN DONE IN THIS CASE .... 

THERE ARE CERTAIN NEGATIVE ACCOUNTS ON MY CREDIT REPORT WHICH HAVE NOT BEEN RESOLVED. THE CORPORATE XXXX XXXX ACCOUNT IS REPORTING FALSE INFORMATION. I WAS NEVER LATE ON ANY OF MY MONTHLY PAYMENT, AS WELL AS I HAVE BEEN A VERY LOYAL CLIENT OF THEIRS FOR YEARS.XXXX XXXX  IS AN ACCOUNT THAT I DO NOT RECOGNIZE, AND I AM NOT LIABLE FOR, THEREFORE XXXX  WAS ABLE TO REMOVE THE NEGATIVE INFORMATION PLEASE GIVE ME A REASON WHY XXXX, EXPERIAN OR XXXX  HAVEN'T BEEN ABLE TO RECTIFY THE INACCURATE, OUTDATED, UNRELIABLE INFORMATION OFF OF MY CREDIT REPORTS. I FEEL AS IF MY CONCERNS ARE BEING DODGED BY THEM AND THIS IS AFFECTING ME IN AN ENORMOUS WAY.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (NY)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN AND XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the following accounts completely from my Credit Reports : ( Late/Open XXXX XXXX XXXX XXXX Balance : {$750000.00} XXXX XXXX XXXX XXXX Balance : {$740000.00} XXXX XXXX XXXX Balance XXXX {$34000.00} )
Consumer complaint received 2021-09-21
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (WA)

My wife and I sold a previous home in XXXX and the mortgage lender freedom mortgage had asked why we were not using them to buy our next home. After that suddenly we were being told that 2 months of mortgage payments were late which was obsurd due the fact they were set automatically each month through our bank XXXX XXXX XXXX. We then contacted the bank and have statements proving that we were not late on any payments over 30 days that they were all paid within the time period. 

After bringing this to there attention and showing them proof they still would not take care of the situation and low and behold now our credit took two hits, and they refuse two fix anything even though we showed them all of the mortgage was received. After investigation this is not the first time Freedom mortgage has been sued for previous occurrences similiar to this and I want them to correct what they have attempted to destroy. The amounts I always paid were XXXX which the amount was about XXXX and some change.
Consumer complaint received 2018-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I have been making my payments on time since I graduated in 2014. It started XX/XX/XXXX when I received a phone call from the company stating I owed over {$2000.00} even though I received a statement each month and it showed I owed {$0.00} for the month ( I still made the same payment I had been making of {$300.00} each month even if it showed {$0.00} due ). I stated this on the phone to the agent and I got escalated each time and the the 3rd agent agreed with me that something seemed wrong and that I had in fact been making payments. He indicated he thought something with wrong with their system and my account it they had recently gone through an " audit ''. He said he would send this to their expert for research and to not make the $ XXXX payment their system showed me as owing, but to still make my payment of {$300.00} on or before my normal due date of the XXXX. 

I never heard back from the company and called every two weeks or so until my loans finally I reached an agent who could explain the situation. Meanwhile my some of my accounts ( but not all strangely ) were reported to the CBR 's as past due which tanked my credit score and is preventing me from getting a more favorable rate. When i spoke finally with an agent, it seemed their system inadvertently miscalculated or messed up my account and they were going to try to fix it. 

I was told they would reach out to me once it was fixed but never heard back from them again. My accounts were finally reported as current to CBR but my score still shows past due payments on my account and my score has not gotten better. In addition, I never received any follow up from the company saying it was taking steps to fix my account or my credit they incorrectly reported. I did receive a few days ago finally a letter which does show my account not messed up anymore, but nothing still from them regarding fixing my credit or any other restitution due to the stress and impacted credit score they caused. I will be reaching once again to the company after submitting this complaint. I feel this was unfair and abusive towards me which caused me harm. I am making this complaint in an effort for the company to take notice and not just file my account away as one more statistic and hopefully someone takes action.
Consumer complaint received 2018-04-05
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

False in formation is being published about me. I have requested the source of this information on multiple occasions. I continue to get correspondence back in the mail after a long period of time, but it is never what I have requested. It is almost like they are holding my information hostage.
Consumer complaint received 2023-01-03
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. (CA)

I have sent my previous letter to Transunion and XXXX for them to remove the account and information that resulted due to the theft of my Identity. The last letter I sent to Transunion and XXXX was XX/XX/XXXX with complete attachments of my Personal information, but despite all my efforts, Transunion and XXXX seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Transunion and XXXX investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Transunion to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT TRANSUNION REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}
Consumer complaint received 2018-02-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings (MO)

About 6months-1year, I went to speedy cash to obtain a loan, received {$2400.00}. 
Since then til current I have paid them back in the total amount of {$3600.00} and XXXX XXXX XXXX is still allowing them to freeze any amount of my hard earned money at any time, I have done all procedures with the lender speedy cash as my bank by paying for the stop payment thru both my account as my card, various times. Still to this current day my bank is allowing them to still freeze and take funds out, I need urgency of help and getting my funds put back in my account, currently 3 days ago they allowed speedy cash to freeze {$580.00} and XXXX XXXX XXXX won't put my money back to my account