davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments
Consumer complaint received 2023-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

Dear All, It is more than a year that I have been asking for a partial release from BSI, have tried reaching to supervisors and even the president but have received no reply. 

Our mortgage with BSI is against the XXXX XXXX XXXX ( XXXX XXXX, XXXX # XXXX ) ; our Home Mortgage number is XXXX. However, perhaps in an error, the adjacent land next to this property ( which also belongs to us ), XXXX XXXX, is also included in the load documents including a lean of the bank, which is why I have requested ta partial release of XXXX XXXX. I made this request frequently since XXXX of XXXX ( below the start date ). However, there has not be even a single reply from BSI. Since we now have a new construction on the lot of XXXX XXXX XXXX, I have again frequently requested by phones and emails that XXXX conducts this partial release. 

This XXXX XXXX XXXX is a parcel separate from the XXXX XXXX XXXX. XXXX CA XXXX, which is the subject of our BSI mortgage and we request to be released ( as a partial release ). 

Example of email communication dates : " From : XXXX XXXX XXXX Sent : XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Subject : Home Mortgage number XXXX -issue of the adjacent land XXXX XXXX XXXX ISSUED '' " From : XXXX XXXX XXXX Sent : XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Subject : Fw : Attention- XXXX XXXX Per our call today-Home Mortgage number XXXX -issue of the adjacent land XXXX XXXX/ XXXX ISSUED '' " XXXX XXXX XXXX Dear All, I would like to request a partial release of XXXX XXXX XXXX. Our mortgage number is XXXX Mortgage number XXXX. 

This is a parcel separate from the XXXX XXXX XXXX. XXXX CA XXXX, which is the subject of our BSI mortgage. 

After several calls, one of BSI customer service agents indicated that I need to fill a form and that I will receive this form. I never received it, I searched online and found the attached form, which I filled to the best of my knowledge. 

I have also attached a survey and a few other related documents that clearly show the adjacent land is not part of XXXX XXXX, and may be removed / released. "
Consumer complaint received 2022-09-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-05-18
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. (NC)

I had my identity stolen twice in 2018 which I later filed FTC reports, there was a XXXX XXXX XXXX foreclosed home ( XX/XX/2018 ) on my credit report valued at {$190000.00}, with a zero balance, with a message, " Thank you for paying off your loan '' attached to the comments, then was later changed to a REDEEMED FORECLOSURE, also with a zero balance, nothing owed. I was told, I'd get a call from their Fraud Dept, but no one called and I keep getting swithed over from dept. to dept. Finally got a Fraud # but it just rang and rang. No one picked up. 

I've made SEVERAL FTC reports and many phone calls to XXXX & XXXX... calls to XXXX that has divulged they have NO RECORD of ANY FORECLOSURE in my name in their system, yet it remains on my credit report, yet somehow, the credit bureaus claims it was " verified '', which is utterly FABRICATED. 

This fraudulent account on my credit report is ruining my Finanacial relationship with potential new creditors and I would like it removed from my credit report, immediately.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

My mortgage service provider ( XXXX XXXX XXXX ) continues to operate poorly in their management of my Section 184 mortgage loan. The current amount of money owned on our mortgage is {$350000.00}. However on XXXX we were assigned a fee of {$99000.00}. This was a large error on the part of XXXX. It took an entire MONTH ( XXXX ) to get this fee waived. However, because they dragged their feet on this my current credit report is showing, incorrectly, that we owe {$450000.00} because that amount is including the fee that was waived. So as a result of this negligence my current credit score has dropped 21 points. 

It is a constant struggle to have to be this hypervigilant when it comes to making sure I'm not being screwed by this service provider. I have to check literally every couple weeks and constantly try to email/call individuals at this organization to resolve my issues. This lack of oversight and due diligence from this group is subpar at best currently.
Consumer complaint received 2016-03-31
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY (CO)

CREDIT CARD : AMEX XXXX CREDIT CARD. 
PROBLEM : I made a payment to bring my balance owed to XXXX in an effort to get out of debt so I can improve my credit score to purchase a home. However, after making the payment to bring my balance to XXXX, AMEX and XXXX both charged interest on the purchases several days later. So, to my knowledge I had paid my balance in full then intentionally left the account open so it would help increase my credit score. I deleted my reminders to pay these cards since the balance was at XXXX ( {$0.00} ) and not until I got a MISSED PAYMENT notice AFTER being assessed a late penalty did I learn that several days after I made my full balance payment, they tacked on a small {$16.00} " Interest Charge on Purchases '' a full 5 days after my full payment posted. 
This is a misleading practice since the credit card company has knowledge of the finance charges accrued at the time of payment, therefore should be advising that full payment is n't complete until current past month ( in arrears ) interest /finance charges are applied. This also happened with XXXX XXXX as well. 
We 're not talking about a lot of money typically, but if someone is n't aware of fully understanding how interest on purchased in arrears is calculated the probability of a late charge being filed and reported to the credit bureaus negatively affecting a consumers credit increases significantly. 
SOLUTION : Simply reflect unpaid or un-billed Interest Charge on Purchases that are in arrears on current summary statements so the consumer can pay balance, and be immediately aware of the charges in arrears that will be showing up next month.
Consumer complaint received 2019-01-27
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. (TX)

Auto loan opened on XX/XX/XXXX and cross-collateralized personal loan opened on XX/XX/XXXX were included in Chapter XXXX  Bankruptcy Wage Earners Plan filed XX/XX/XXXX. Due to XX/XX/XXXX XXXX onset XX/XX/XXXX, Chapter XXXX was converted to Chapter XXXX ( filed XX/XX/XXXX ) and discharged XX/XX/XXXX. 

Reaffirmation Agreements for both loans were filed on XX/XX/XXXX. However, XXXX XXXX XXXX XXXX ( XXXX ) continues to report false information to national credit reporting agencies, despite being notified multiple times of the error. XXXX continues to report both loans were included in Chapter XXXX bankruptcy ( FALSE ), and the accounts were closed on XX/XX/XXXX ( FALSE ). 

Attachments : Reaffirmation Agreement - XXXX XXXX XXXX Reaffirmation Agreement - Personal Loan ( cross-collateralized with XXXX XXXX ) Chapter XXXX Discharge - XX/XX/XXXX Chapter XXXX to XXXX Conversion Order - XX/XX/XXXX Chapter XXXX Individual Debtor 's Statement of Intention - XX/XX/XXXX ( Note : Both loans secured by XXXX XXXX were retained and reaffirmed )
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

I reviewed my credit reports and there is an collections account that does not belong to me i have made several calls and sent numerous letters to resolve this matter no response. The collections account is not mine and it should be removed immediately.
Consumer complaint received 2016-03-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: JPMORGAN CHASE & CO. (NY)

I went to XXXX XXXX and recieved little to no government assistance for some unknown reason, considering I was not dependant on my parents at all. This forced me to turn to private loans. Now, I have almost XXXX in private student loan debt. The monthly payments are {$1200.00} and I can not afford to live. Even after making this payments on the loans, my interest is 9 % ,8 %, 7 % interest so that the loans continue to get bigger. I own two businesses and would otherwise be doing well for myself. I have called, emailed, sent in letters to the private loan companies, only to have them raise my rates instead of lowering them. There is no end in sight, I would have to be making XXXX per year just to live a normal life. Where is the protection on these loans? Why ca n't I refinance them? 

The fact of the matter is this, this rock is too heavy to lift because it causes me to have a horrible credit score. Bad credit = no loans to buy a house or get money to start another businesses. It 's a vicious cycle and I have exhausted all of my options. I can not refinance them because no one will lend me a better rate because of my credit ( even though I make every payment on time ). 

Please help me do something, anything to get out of this debt trap I am in. It has caused me to tell everyone I know to forgo college until this fraudulent behaviour is fixed.
Consumer complaint received 2022-05-18
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. (NC)

I had my identity stolen XXXX in XXXX which I later filed FTC reports, there was a XXXX XXXX XXXX foreclosed home ( XX/XX/2018 ) on my credit report valued at {$190000.00}, with a zero balance, with a message, " Thank you for paying off your loan '' attached to the comments, then was later changed to a REDEEMED FORECLOSURE, also with a zero balance, nothing owed. I was told, I'd get a call from their Fraud Dept, but no one called and I keep getting swithed over from dept. to dept. Finally got a Fraud # but it just rang and rang. No one picked up. 

I've made SEVERAL FTC reports and many phone calls to XXXX XXXX XXXXXXXX... calls to XXXX that has divulged they have NO RECORD of ANY FORECLOSURE in my name in their system, yet it remains on my credit report, yet somehow, the credit bureaus claims it was " verified '', which is utterly FABRICATED. 

This fraudulent account on my credit report is ruining my Finanacial relationship with potential new creditors and I would like it removed from my credit report, immediately.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-16
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. (IA)

On XX/XX/XXXX, TransUnion sent me the result of a dispute I made with them regarding an account that was incorrectly shown on my credit report. The account showed up in XX/XX/XXXX. The company reporting the incorrect information is XXXX XXXX XXXX # XXXX in XXXX, IN. The amount shown is {$410.00} from XXXX XXXX XXXX. 

The original bill for XXXX XXXX XXXX was for my husband, XXXX XXXX. He went to the hospital on approximately XX/XX/XXXX. He killed himself on XX/XX/XXXX. I have supplied the death certificate to XXXX XXXX XXXX on two occasions in XXXX and asked that they remove the account from their records. They stated they would, but instead sent it for collections later that year. I spoke to the collection agency in XXXX and explained the situation. That collection agency stated they would remove the account ; however, in late XX/XX/XXXX, XXXX XXXX sent me a collection letter. I replied to XXXX explaining the situation ( in writing ), as well as over the phone stating that the debt does not belong to me. In XX/XX/XXXX, the company put the account on my credit report. I reported the error to TransUnion and XXXX. XXXX removed the account as their investigation found that the transaction was incorrect. TransUnion failed to remove the account stating the account is accurate. TransUnion is wrong and needs to remove the account.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

A year ago a Jefferson Capital Systems , LLC contacted me claiming I owe a debt that I know for fact never happened. They claim I had a XXXX account years ago. I never made any large transactions using XXXX. I disputed this claim and reported it as fraud. They said they would delete it from their system. 

I contacted XXXX and they said that I never had an account and show no records or any transaction. They believe that someone stole my identity or this was a scam. 

On or about XX/XX/22 another company XXXX, XXXX contacted me about the same debt owed. The original company Jefferson Capital lied to me and did not delete the debt, instead the soled my information to another company XXXX. I contacted them and gave them the same information. Neither company will provide me with any details as evidence or documentation to this fraudulent transaction. Both companies REFUSE to provide any evidence or documentation. Both companies continue to lie, and harrassment. Again I asked to dispute this debt and mark as fraud. 

On further investigation I have found out that XXXX doesn't even have account numbers as provided by these companies and as such the account number provided by XXXX XXXX is fictitious. Both companies are financial fraudsters using made up debts and account numbers. They are scammers. Also after investigation XXXX and associated reviews and reports online I find out that they have numerous complaints with others doing the same scam scheme. 

I want this abusive fraudulent behavior and contact to stop immediately and for these companies to be held liable for this conduct. Both companies should be investigated. I will seek legal action against both companies if this does not stop immediately. If they sell my personal information again to any other company legal action will be taken. The original personal information was not provided by me and I question how they obtained my information in the first place. Possible identity theft used to scam. If they report this debt to the credit union I will seek legal actions and sue for damages, unfair practices, harrassment, etc.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : 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 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 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

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

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