davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-02
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. (IL)

I sent the document below advising information on my report was incorrect and it should be deleted. According to the FCRA if the information is incorrect it should be removed off the consumer report. Instead the account was updated to what I pout in the letter. How did you verify the information to updated it. What if I was not telling the truth. They never send me a method of verification and I have asked plenty of times for the XXXX XXXX  account that is on my report. Everything they have been doing to my report is illegal and in violation.
Consumer complaint received 2019-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Transunion reporting company has violated my rights under the FRCA rule for investigating, communicating results and method of verification making them in violation of reporting information that according to the FCRA must be verifiable with the original creditor and any investigation name date and method of verification should be forwarded to myself for further investigation if necessary. I have requested this be looked into three times that last was on XX/XX/2019 and supporting documentation was also sent with the same results, XXXX and XXXX has already removed XXXX XXXX from my credit with my supporting documents.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

We all know about the XXXX problem. It was recommended that all affected parties ( that 's me ), freeze their credit reports. When I did this with Experian they said Virginia Law requires a {$10.00} payment fee. That really XXXX. It 's not my fault that XXXX XXXX up. Why does Virginia Law require this fee?
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (GA)

I mail a certified signature letter on XX/XX/XXXX regarding Santander Consumer to alleged validate the debt I owe, request a Auction Sale Receipt and XXXX. Santander received it on XX/XX/XXXX sign by XXXX XXXX. You clearly stated you received a letter on XXXX XXXX. Which is incorrect and misleading. The return receipt, a copy of which I enclosed, was signed on ( XX/XX/XXXX ) by XXXX XXXX. So how did you receive a dispute letter on XX/XX/XXXX when I have proof of it being sign on XX/XX/XXXX by XXXX XXXX? You stated you took repossession of the vehicle at on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, GA XXXX where I live. So how is mail going to XXXX XXXX XXXX XXXX XXXX, GA XXXX?, when clearly thats not where I lived nor never live. Georgia Code Section 10-1-36, The lender must notify you of your rights to redeem the car within 10 days of repossession which Santander Consumer USA failed to do. Never send anything certified mail of date, time and location of sale to my address at XXXX XXXX XXXX XXXX XXXX, GA XXXX where the repossession took place. Santander Consumer USA failed to send required notices, follow certain GA rules so my attorneys will be sueing company for damages. More than thirty days have passed, and I have not yet received proof that you have validated the debt, or send original copy of Auction Sale Receipt and XXXX. Please be advised that by law your company is required to respond to my request within 30 days. Today is XX/XX/XXXX and havent received a validation of the debt you say I owe, Auction Sale Receipt and XXXX. Your company has failed to follow such guidelines and is in violation of the Fair Credit Reporting Act and may be reported and investigated under these circumstances. Therefore, in accordance with s.1629e ( 8 ) of the Debt Collection Practices Act, which clearly states that any information known to be false, inaccurate can not be reported to any credit bureau , I request that you immediately delete this information from my credit report on XXXX , XXXX   and XXXX .
Consumer complaint received 2019-02-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC (NC)

Mariner Fiance Has Called Multiple Times A Day Demandinf Debt Collection Threating A Lawsuit And Threatened Seizing My Property. CALLING EX WIFE, FIANCE AND EVEN CALLING FROM THEIR PERSONAL PHONES, they refused to provide correct interest rate and the original paperwork doesn't match and they refuse to provide proper paperwork
Consumer complaint received 2021-09-17
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. (FL)

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report, I can say that I've tried for 4 times or more, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2019-08-02
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. (MS)

Please reverse the late payments reported on the following accounts : XXXX  XXXX and XXXX  XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

The information that is being reported on my student loan is accurate and I am not able to make payments or set up payment arrangement because my birthday is listed wrong. I have been denied a mortgage loan because of this delinquent showing. I have faxed and scanned copies of my social security card and drivers license because they said that was the only way to change it, but no change has taken place. I can not even set up an online account to make payments because it gets kicked back every time I get to the personal information part to enter my birthdate.
Consumer complaint received 2019-06-09
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)

In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, NV XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2019-06-09
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: Fidelity National Information Services, Inc. (FNIS) (HI)

Back on XX/XX/XXXX I recieved my report from the company ChexSystems. On this report I discovered many errors, 23 to be exact. Some of the errors were with inaccurate names and addresses they were reporting, some were with the companies they have listed as inquiries, companies that I've never even heard of let alone gave my permission to. And there were also several errors in a section titled " Additional Information '' where they're inaccurately reporting things like liens, property owned and evictions on me that are down right FALSE, they are lies. 
So on XX/XX/XXXX I wrote them a highly detailed dispute letter going over each and every item that was being inaccurately reported on me. Then on XX/XX/XXXX I received another report from them in reply to my dispute letter and all but 3 things ( company inquireries ) still remain on my report. They claim " XXXX '' told them the information was accurate therefore its remaining on my report. They gave no validation whatso ever on this information they're reporting on me. They are a consumer reporting agency and must act within the laws set forth in the FCRA, but they ARE NOT. I clearly stated to them in my dispute letter that I was requesting full and legal validation on the disputed information as well as exercising my right to the removal of any and all items they can not provide legal validation on to me. They refused to provide me with any validation and also refused to remove this inaccurate information. Nor would they give me the oppertunity to make a statement for record on their report, they've denied me of all my rights, and are breaking the law.
Consumer complaint received 2017-07-10
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. (MO)

On XXXX XXXX XXXX I sent Transunion a certified letter demanding the company disclose to me all of the documents they have recorded and retained in their file at the time of my request concerning the listing of XXXX XXXX XXXX/XXXX account numers XXXX, XXXX, XXXX, XXXX, on my credit report. The company willfully neglected to address my concern and continue to report the erroneous item compromising the integrity of my credit file/credit score. The company neglected to provide me any documents or any response pertaining to the above listings. Instead on XXXX XXXX XXXX I received a generic response via mail that blatantly disregarded my request and addressed other accountsI disputed advising me my request had been verified. Unfortunately I am still without any documentation that would substantiate their claim or any paperwork that would give them any right to report this incorrect information. I am requesting the items be removed from my report immediately.
Consumer complaint received 2021-04-01
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. (SD)

I was paying on an account that was not even mine just to get it off my credit report because when i previously reported that the account was not mine and filed complaints about it. they just went ignored since the reporting bank was using my social to report the account. i have called them numerous amounts of times and no one has any record of an account ever being opened yet they are reporting a fraudluent account which is still sitting on my credit reports ( all three bureaus ). i can not obtain my credit report from XXXX  ; not by phone or online. i was able to get through a third party and found that it is still sitting there even though i reached out to the company and requested that they remove it. they sent me a letter confirming it but nothing has been removed. I have never banked with an XXXX XXXX XXXX ; im not and have never been in the military and i have never lived in XXXX, kansas ; i did not open the account it is not mine. there are also several variations on my credit report of the spelling of my name which are incorrect. i do not want anything that is not mine applied to my credit report becuase fraudsters are getting goods and services that they should not be able to get since there are fraud alerts on my credit file with all three credit bureaus. They can't even spell my name correctly. i know how to spell my own name ; this should be a clue to the credit bureaus that the merchants or whoever is fraudulently using my information is not who they say they are. the XXXX XXXX account is also still on my credit report and that is not mine. when you call them, they have no record of the correct account that was transferred over to them from XXXX with a much lower balance and when you try to pay to get it off your credit, they send the payments back because they have no record of the account they have listed on my credit report or any of the account numbers they provide. I have previously sent copies of these letters but again, nothing has been done and it all still sits on my credit report even though it is not mine. i am not going to pay these accounts that are not mine. i've already done that on one and they are still reporting it even though it is not mine and they have confirmed verbally and in writing that it is not mine.
Consumer complaint received 2019-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

I paid this XXXX XXXX XXXX on XX/XX/, 2018 a medical debt which I had disputed. I felt like it was easier to just pay them. 

However, the debt collection calls have continued. On average, I receive 4 calls a day from XXXX. I contacted XXXX. They confirmed that the debt is paid-off. Every time I talk with them, they tell me that the calls will stop and I would be removed from the call list. However, the harassment has continued for over two months.
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CO)

In late XXXX, I opened a XXXX XXXX XXXX Mastercard with Barclays. At the time, the advertised bonus off was XXXX bonus miles if I completed {$3000.00} worth of purchases and paid the annual fee within 90 days. I did this and Barclays has repeatedly acknowledged as much. To date, I have received only XXXX bonus miles. This appears to have been an error or some sort of system glitch. The same thing has happened to my wife who has also been unable to get the matter resolved. 

We opened our accounts months ago to obtain enough miles to pay for international flights at the end of XXXX. The flights are quickly becoming increasingly expensive and we need this resolved ASAP. 

I have been repeatedly contacting Barclays to obtain resolution. I was initially told it would be resolved within 30 days, which was XX/XX/XXXX. Resolution had not occurred and so my wife and I called in and spoke with a XXXX. The XXXX said he would personally call me around XX/XX/XXXX, to follow up on whether there had been resolution and that if I hadn't heard from him or gotten resolution to call in. I did so, spoke to another XXXX and was told it would be resolved within a few days. Another week went by without any resolution so I called back in on XX/XX/XXXX. To date, I have not received my additional XXXX points and my wife has not received hers on her separate account either. At this point, I have no choice but to conclude I am being stonewalled by Barclays in the hopes I will get tired of trying to fix the issue so that they do not have to give the points they promised.
Consumer complaint received 2021-06-28
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: Experian Information Solutions Inc. (CA)

EXPERIAN continues to post fraudulent information related to XXXX fraudulent XXXX XXXX accounts. EXPERIAN was provided several FTC reports, Valid Police Reports & Identity Theft Information. It was outlined clearly that I work outside the XXXX and have done so since 2014. The address used under my name is a XXXX XXXX XXXX That XXXX XXXX XXXX compromised and personal information like social security number and ID were used to open the accounts with XXXX XXXX, several other credit card companies and banks. All providers with the exception oXXXX XXXX XXXX honored the information submitted and confirmed fraud. XXXX XXXX, with the help of EXPERIAN, continues to submit the exact same information to EXPERIAN, suggesting the accounts are valid. This is a flat-out lie and EXPERIAN continues to perpetuate this false narrative. I am demanding that EXPERIAN ( who removed the fraudulent accounts only to allow XXXX XXXX to submit the same garbage they submitted XXXX times prior ) once and for all do what is required under Federal Regulations and the state of California when it comes to companies posting correct information on credit reports, remove the XXXX XXXX accounts for good. Stop asking XXXX XXXX if the info. is valid, as they lie to damage consumer reports. You have an obligation under the law!!
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: CURO Intermediate Holdings (TN)

I have two accounts on my credit report that I did not give permission for. Ive tried contacting the companies since XXXX. Recently in XXXX of XXXX XXXX XXXX was taken off my report due to non verification. It just popped back up around XXXX. The credit companies are saying it is verifiable, but I have not been provided with anything. Ad Astra is also ignoring me in trying to fix this situation.
Consumer complaint received 2021-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion 's Credit Bureau XXXX XXXXInquiry date : XXXX XXXX, XXXX. No amount, I called and talk to one of the customer rep and she stated that there is no account in my name and she will send the information to the credit bureau to get removed but that haven't happen as of yet. 

XXXX XXXX -Inquiry date :XX/XX/XXXX. No amount, I called and talk to one of the customer rep and he stated that there is no account in my name and she will send the information to the credit bureau to get removed but that haven't happen as of yet. 

XX/XX/XXXX-Inquiry date : XX/XX/XXXX No amount, I called and talk to one of the customer rep, why do I have 2 inquires one from Transunion and one from XXXX. They couldn't give me a valid answer so this transaction never got completed and called to get it removed since but no resolution on this issue. 

XXXX Credit Bureau EXXXX MORTGAGE SER -Inquiry date : XX/XX/XXXX. No amount, I called and talk to one of the customer rep to get a called back to discuss why was my credit pulled, when all I wanted to know was the process and get some information how long from start to finish it will take. Received a call back and stated by the rep that after 3 Months a mortgage inquiry will not hurt my score. But he was missing the whole point it shouldn't have been on my report at all because I was trying to get information and procedures. 

XXXX  Credit Bureau XXXX -Inquiry date : XXXX  XXXX, XXXX. No amount, I called and talk to one of the customer rep, why do I have 2 inquires one from XXXX and one from Transunion. They couldn't give me a valid answer so this transaction never got completed and called to get it removed since but no resolution on this issue.
Consumer complaint received 2023-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CT)

On XX/XX/2022 I contacted XXXX @ MOHELA separately to request payments to be returned to me that I made during the XXXX XXXXXXXX pandemic pause. I have been calling every month to request updated on when the money will be sent to me but I keep getting told they are working on it. its currently been over XXXX  days and I have not gotten a response or been sent my money. I am not sure what to do but I know its been long enough for them to send me my payments back.
Consumer complaint received 2022-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

Credit Control Corp is reporting negative information on my file for # XXXX from XXXX XXXX. I called XXXX XXXX and gave them my name social date of birth they said i donot owe them anything. called credit control corp and they said they dont know what it is and when it occurred. credit control corp never send me any written notice before or after putting on my credit files. i have called and requested them to provide me any bills any signed copy or any documents to prove this debt. i have disputed this with credit reporting agencies but credit control corp simply verify this as correct information and refuse to take it off. on top of all this they are reporting three totally different information about this account to these three reporting agencies. Dispite many many letters and phone calls this wrong information still shows on my file
Consumer complaint received 2021-04-01
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: EQUIFAX, INC. (SC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.