davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC (FL)

Mortgage initially started with XXXX and I was under FEMA forbearance. I signed modification papers have them notarized in overnight at them back. XXXX never recorded the documents and sold my mortgage to Shell point. I can't get them to understand that there are 3 credit reporting agencies. They have corrected my report on 1 and not the other 2. I reported them to the better business bureau multiple occasions because they won't make the corrections nor will they respond to any emails. Total lack of common sense. This goes way neck to Irma and they still can't get it right. Them and XXXX. Totally shady companies to deal with. XXXX can't even file the proper paperwork. They never even recorded my modification
Consumer complaint received 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Mortgage initially started with XXXX and I was under FEMA forbearance. I signed modification papers have them notarized in overnight at them back. XXXX never recorded the documents and sold my mortgage to XXXX XXXX. I can't get them to understand that there are 3 credit reporting agencies. They have corrected my report on 1 and not the other 2. I reported them to the XXXX XXXX XXXX multiple occasions because they won't make the corrections nor will they respond to any emails. Total lack of common sense. This goes way neck to Irma and they still can't get it right. Them and XXXX. Totally shady companies to deal with. XXXX can't even file the proper paperwork. They never even recorded my modification
Consumer complaint received 2019-09-08
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)

On XX/XX/2019 at XXXX XXXX, I mailed off to " XXXX '' ; FTC Report, Police Report, Credit Report & a letter stating the fraudulent accounts that was reporting on my credit report. " XXXX XXXX XXXX '' {$1800.00} account as of XXXX XXXX, 2019, is still reporting and has not been removed from my credit.
Consumer complaint received 2023-03-24
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. (FL)

My name and only name has ONLY been XXXX XXXX XXXX. No other name I have ever used for applying for credit. 

The following addresses do not belong to me : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX My  accurate address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-02-16
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MO)

This is about CITI Bank ruining my credit for one late payment after I have paid all my bills on time, usually in full, for 18 years. They did not look at all the information that I provided to them before reaching their decision to ruin my credit.
Consumer complaint received 2019-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Capitol Credit Services, Inc (IL)

I am a XXXX women. Today I attempted to use my XXXX XXXX credit card in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX. I could not. I received a email yesterday. The payment I made leaving XXXX balance had posted. Yet, I could not use the card as I expected today. I had to alter my planning for evolving my use for credit performance to increase by credit score. I attempted it several times assuming it was an error. Receipt # XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX
Consumer complaint received 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im a victim of identity thieves someone got hold of my information and they use my Accounts and Ive contact all the companies I was told it would be removed from my credit report negative but its still there
Consumer complaint received 2019-09-08
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)

On XX/XX/2019 at XXXX XXXX, I mailed off to " Experian '' ; FTC Report, Police Report, Credit Report & a letter stating the fraudulent accounts that was reporting on my credit report. " XXXX XXXX XXXX '' {$1800.00} account as of XX/XX/2019, is still reporting and has not been removed from my credit.
Consumer complaint received 2019-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I was a tenant at XXXX XXXX XXXX in XXXX XXXX, TX for few years and at the time of my move out, I asked management to do a walk through with me to make sure that apartment was clean and in order to avoid any misunderstanding or charges applied to me once I vacated the unit. I took pictures of the apartment on the same day that we did the walk through. Per management stated to me verbally and conversation was recorded and management was aware of this recording and agreed and said to me that I have a XXXX balance and nothing is owed. Also stated apartment was in excellent condition. The manager said that your account is paid in full with a XXXX  balance. However, 6 months later, I looked at my credit reports ( XXXX, XXXX, XXXX  ) and that they have placed me in collections for the amount of {$120.00}. This has affected my score in a tremendous way. I have made several attempts advising them this is not correct and asked them to provide pictures showing what they are charging me for and this has not been provided to me. I am requesting that XXXX XXXX delete this from all 3 of my credit bureaus ( XXXX, XXXX, XXXX ) so that my score will not continue to be damaged.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX is reporting to the credit bureaus that I have a balance with them from an old account for {$910.00}. I am trying to clean up my credit report, so I have called XXXX to make a payment to clear this. The representatives at XXXX are telling me that they no longer have this debt in their office, and do not provide me with any way to pay the debt. Since they will not accept my payment, it is unfair for them to continue to report it on my credit report.
Consumer complaint received 2024-06-03
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (CA)

To Whom It May Concern, Before attending XXXX XXXX  XXXX XXXX XXXX I was deceived by a recruiter that advertised at my high school and told me false information on graduation rates, job placements, and the type of education I would receive while attending. XXXX XXXXXXXX XXXX XXXX XXXX XXXX advertisement also backed these claims of school misconduct. I also attended an open house at XXXX XXXX XXXXXXXX XXXX XXXXXXXX where false information was told about the graduation rate and job placements. 


While attending XXXX XXXX  XXXX XXXX XXXX ( XXXX ) I was misinformed about the job placement rate students acquired after graduating. My advisor kept steering me to take out certain loans with high interest. I was unaware at the time of the arrangement XXXX XXXX XXXX XXXX XXXXXXXX had with Navient to finance my education through dept that I would be unable to repay. 


After graduating there was a recession. I found out my student credits could not be transferred or recognized by any other school. My loan servicer ( Sallie Mae now Navient ) kept steering me into forbearance for both my private and federal loans. For my private loans they did not offer me income repayment program instead charged me high interest only. During the Pandemic I had to file bankruptcy due to losing my job. I was unable to pay my private loans for a number of months. I suffered hardship and this cause emotional distress. 


My school, XXXX XXXX XXXXXXXX XXXX XXXXXXXX has since closed down and was the target of state and federal investigations into its high-pressure sales tactics, low quality programs and poor student outcomes. XXXX XXXXXXXX XXXX XXXX XXXX had since been sued. And I read the accreditation bureau that serviced my school has been stripped of its status ( XXXX ). Navient has given relief to its borrowers due to the lawsuit brought by the Attorney Generals, but I have not received a letter of discharge. I believe my loans should have been included in the lawsuit against Navient brought by the Attorney generals. I took out my loans in XXXX, went to a for profit school, education was subpar, missed consecutive payments and was steered into forbearance. I believe the Holder rule applies to my loans. 


I applied for the Borrowers Defense of my federal loans and received a discharge on my federal loans. But, I have not received notification regarding my private loans. I would like to obtain a discharge application for my Private Loans. Thank you for answering my email. 



Best Regards, XXXX XXXX
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CT)

I currently have a mortgage with XXXX mortgage company. It was established in 2006. My loan number is XXXX. The property address is XXXX XXXX XXXX XXXX, XXXX XXXX CT The mortgage company never filed with my town. My town hall reports my Mortgage was paid of in 2006. They do not report to the credit bureau. Consequently this is hurtful when applying for another mortgage. 
My rate is XXXX and I asked to refinance and they say they do not do that. I am stuck in a sun-prime mort and spinning on a wheel. 
I have applied for a new mortgage. I qualify. 
The problem is there is no report of me paying a mortgage since 2006 and my town hall says the home is paid in full. There is no record of XXXX holding the lien. 
XXXX refuses to give my potential new company a VOM. They said I am late. I have not had a payment that was last, past 30 days, in 7 years. 
What do I do? I can save $ 500.- {$600.00}. Per month with a lower rate offered by the new lender. XXXX is hold me XXXX. 
Thank you for your time, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-12
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)

Two collection accounts for the same originator ( XXXX  ) who stopped reporting an account that was not mine. Now XXXX XXXX XXXX and XXXX XXXX XXXX are both reporting this account in violation of FCRA regulations. This is an attempt to collect on a debt not mine and to cause malicious damage to my credit reports ...
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX  is the holder of my mortgage. They are continuing to charge me for PMI even when the loan has been paid down enough to be below the 80 % threshold. I purchased a condominium in 2016 for {$80000.00}. I put 10 % down and financed {$72000.00}. I pay $ XXXX in PMI. The mortgage is now paid down to {$61000.00} which is 76 % of the sale price. This alone warrants the elimination of PMI. I'm not even asking for them to consider the real value ( my next door neighbor just sold for {$200000.00}. ). 

I have sent several letters to the bank and received standard denial letters due to the fact that " the value of my property can not be determined ). I feel that this is deliberate.
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: South Mississippi Collection Services Inc. (MS)

XXXX XXXX i received a letter from South Mississippi collection service inc for the amount of $ XXXX have no knowledge of this account.This debt collectiion was sent to the SOUTH MISSISSIPPI COLLECTION SERVICE on XXXX/XXXX/2021 for the amount of {$230.00}
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Adler Wallach & Associates, Inc. (CA)

Due date XX/XX/year> AWA COLLECTIONS per the fcra as a federally protected consumer I am now opting out of any and all authorization, I the consumer may have given you written unwritten verbal and non verbal per 15 usc 6802
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under FCRA 15 U.S. Code 1681XXXX ( XXXX ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2019-01-12
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. (GA)

There were several car companies that inquired about my credit when I didn't give them permission to. I reported it to XXXX, XXXX, and Experian and they haven't removed them from my credit report. The following creditors inquired without my permission : -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 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2021-07-14
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: SYNCHRONY FINANCIAL (FL)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CT)

I have called Equifax 3 times to ask why my credit score dropped XXXX points within a few weeks. Each time I call they give me a different answer about why they can not provide me with any reasons why my score dropped. I feel very strongly that if a credit reporting agency has the power to raise and lower your credit score and have that information impact a consumers an ability to obtain loans, mortgages, credit cards, etc., then the information should be extremely accurate and fair.
Consumer complaint received 2019-06-11
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 applied for the loan on XX/XX/2019 and It was secured loan and I made 4 months of worth of payments and I paid it off on XX/XX/2019 and the company send me a check in the amount of XXXX. and some change I called them and I ask them when they are gon na report to the credit bureau and they said in the first week of XXXX and so far it still shows in all three credit bureau I still owe this amount of XXXX and I paid it off early .. and disputed with the credit bureaus and it was denied within 2-3 days and im asking self lender to report my account as closed
Consumer complaint received 2019-03-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC (CA)

On XX/XX/2019, i received a letter from Mariner Finance ( letter attached ) which stated I was declined credit due to my XXXX credit report. However, i did not submit a request for a loan/line of credit to Mariner Finance.
Consumer complaint received 2022-02-16
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-16
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. (NY)

Myself XXXX XXXX XXXX was looking at my XX/XX/2022 consumer report and seen multiple credit inquiries I did not authorize and believe to be fraud, experian states that they verified these inquiries but have failed to provide proof or evidence of such investigation to myself the consumer violating my rights to privacy and rights to fair and accurate credit reporting by experian, attempts by myself to resolve this matter with experian outside of a court of law have been unsuccessful and shows experian is being willfully noncompliant and negligent in this matter by continuing to break laws set in place by Congress to protect consumers and allow for accurate credit reporting under the Fair Credit Reporting act. Immediate attention is needed in this matter.