davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-30
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)

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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX, XXXX still nothing from them. The negative items are still reported on my Credit Report. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charge Off XXXX  XXXX {$24000.00} XXXX XXXX XXXX {$7900.00} XXXX XXXX XXXX {$0.00} Collection XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$490.00}
Consumer complaint received 2021-06-22
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: EQUIFAX, INC. (CA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION ON MY CREDIT REPORT, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INTIAL RESPONSE XX/XX/2021 30 DAY RESPONSE XX/XX/2021
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX, specifically XXXX XXXX, did an unauthorized hard inquiry on my credit. I have cut ties to the lender because they did the exact same thing about a year ago. This seems to be their standard practice.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MI)

I hold a mortgage with Bayview loan servicing. I was personally impacted by the coronavirus and went on the corona forbearance plan as soon as I was made aware it was an option in 2020. I was told it would not effect my credit score and be non-reporting on my credit report. Unfortunately that was not the case and Bayview loan servicing reported it every month. Had I known that I may have chosen differently. It's unacceptable to tell someone they won't be negatively effected by going on Corona forbearance and then destroy their credit the whole time. I would like all of the late payments removed off of my account.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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 2022-08-17
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)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2018-02-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Niagara Capital Recovery LLC (OK)

Niagara capital recovery call this morning refused to identify the nature of call or address of company tell intimate information was given stated that I was not given out my social to them and was immediately told he couldn't disclose information with out verification of who I was. That he only need the last four. So I  gave him it to figure out what the calls were all about he then told me I was being sued and needed to contact the local police station that the carrier will be at my home address or place of business within 48 Hr s I then asked him to verify him and also stated that I was also recording the phone call he then begin  to get hostile and said I don't need to verify myself I told you I'm XXXX XXXX with Niagara capital recovery and that he had all of my information that if he wanted he could get alot more money then  {$150.00} I asked him if that was a threat he laugh I then told him I didn't trust him or his company and that there is so many scammers and scams going on he then said I'm try to help you all we need is a payment arrangement linked to your bank account I said no then he proceeded to scream at me and I hung up.
Consumer complaint received 2018-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

For at least 10 years I have been hounded about money owed on a Lowes account. I never opened a Loews account and if I did. I never charged anything to it. 10 years or so ago, I paid a bill collector anyway who said this was related to a XXXX charge. The collector promised that I was paid in full. However, I received another collection notice today. I periodically get phone calls.I have called numerous times and can not get this resolved.
Consumer complaint received 2022-05-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This complaint is against Transunion for covering up the nefarious schemes of XXXX XXXX XXXX. 

We have requested in a previous complaint to have the credit bureaus provide the evidence they use when they continue to not correct wrongful credit reporting. We had also provided the letter that Select Portfolio Servicing used to justify how they arrived at changing our loan term from 30 year ( Promissory Note ) or 40 Year ( Loan mod ) to 50 year or 600 months. They choose to not follow that standard legal document rule, but instead somehow combine the two legal documents to come up wit the number 50. This is without doubt nefarious means of altering the loan agreement they are only required to Service. i had requested that they provide the documentation that was used to verify as accurate, but did not receive such verification as should have been provided according to their letter. The request was sent to all three main credit bureaus. XXXX decided to remove the entire XXXX XXXX XXXX account. Transunion has responded " Verified as accurate '' but won't provide the documents that was used to overlook what has our signature attached. How can a mortgage servicer simply change the rules of signed contracts without consent.
Consumer complaint received 2022-05-01
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: Thaxton Investment Corporation (TX)

On XX/XX/2022 I received a report that a loan company that I have open with checked my credit and did a hard inquiry without my knowledge or my consent. I try to dispute it with XXXX but they are saying its valid which in fact it is not. I reported this to them twice and they keep denying my dispute. Creditors checked my credit to see if I wanted to renew my loan and I never told them yes or even spoke to them on the phone to check my credit.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc. (OR)

On XX/XX/XXXX - We received a notice from Aspen Collection Agency concerning a debt of {$1100.00} owed to XXXX XXXX XXXXt XXXX XXXX, a timeshare company in Nevada. Previously, I have requested signed contract paperwork or an acknowledgement form concerning the maintenance fees charged by the timeshare. I had been requesting these documents for several years previously, both in writing and via phone. The timeshare company has not been able to provide me with any paperwork obligating us to continue to pay for these fees. 

On XX/XX/XXXX I responded in writing to Aspen disputing the validity of the debt and again asking for any signed paperwork or documentation obligating us to the debt. 

On XX/XX/XXXX - I received a response from Aspen, but there was not any accompanying documentation that I had asked for. It was a repeat of the previous letter sent in XXXX. 

On XX/XX/XXXX. XXXX - I sent a written letter repeating that the debt is being contested and my request for documentation concerning the debt owed. 

On XX/XX/XXXX - I received a response from Aspen. I did receive an attachment of the XXXX Deed recorded on XX/XX/XXXX with our names handwritten by unknown persons on the Valuation form, however this form was not signed an unfamiliar to me. An additional document was provided with the XXXX XXXX  XXXX XXXX handwritten on the front page with no signatures. 

For the third time- I re-iterated that I am contesting this debt until I could be provided with a valid signed contract indicating that I am responsible for this re-occurring debt. The documents that have been provided did not include any signatures of my wife or myself. Additionally, no official contract has been provided, but a partial document with no identifying information. 

I have been very courteous in my written discussions. We have kept on open line of communication and discussing in good faith with all involved. However, instead of helping to fix this situation, Aspen Collection has chosen to report the contested debt to the XXXX Reporting Bureau.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021, XXXX XXXX obtained a copy of my Credit Report without my consent or authorization from Experian and other Credit Reporting Agencies for the purposes of auto loan.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello, My complaint is in regards to my XXXX/XXXX XXXX general credit card. I opened the account in XX/XX/2021 and have used it consistently, have never missed a payment nor have I ever been late on a payment. 

I keep my balances very low as I take my XXXX XXXX very seriously and keep overall balances at approximately XXXX %. 

This particular account consistently fails to report updated, accurate information which has negatively impacted my credit score and at one point prevented me from attaining another line of credit due to inaccurate information on my credit report on my XXXX XXXX card. 

Right now, today for instance, according to my XXXX credit report, I have a balance of {$160.00} and have a 10 % usage percentage. In reality, I have a XXXX balance. The balance of {$160.00} was from back in XXXX. I have used my card every month and have paid off my balances three times since XXXX. 

All three credit bureaus are reporting outdated information for this credit card because XXXX XXXX has not reported correct information. Transunion says I have a {$250.00} balance on this card! It's all wrong and it's unfairly hurting my creditworthiness in the eyes of lenders. 

All three credit reports show XXXX XXXX has not updated my account since XX/XX/2021 ( and even then, the balance was not correct. ) Not only does it incorrectly show a 10 % credit usage on XXXX and XXXX but it shows a whopping 17 % usage on my Transunion report!! Absolutely wrong and UNACCEPTABLE. 
Then to add insult to injury - XXXX is now threatening to remove the account altogether due to *lack of reporting* which will negatively impact my score even further. 

I have spoken to three different people at XXXX XXXX at length. No one can explain why this is happening and each opens a " ticket '' that promises to look into it and I am told I must wait ( yet another ) 30 days for their investigation to be complete as to why they are not reporting correct payment and balance information. Nothing ever updates and I have never once received any confirmation that their investigation was completed. I've worked so incredibly hard to build my credit up and rely on my score for business as well as personal projects. I have a pristine payment history across all lines of credit including this card but XXXX XXXX continues to incorrectly report balances and payment history. 

Also, when I have tried to dispute the balance / payment history with Experian, they tell me I can not dispute it and that I have to just wait for XXXX XXXX to update my account. Then they threaten to remove it altogether due to " lack of reporting. '' ( Insert scream here. )
Consumer complaint received 2020-06-04
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspi-cious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 
XXXX  XXXX {$3400.00} XXXX {$78.00}
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (DC)

Hello- I have reached out to the credit bureaus, department of education and aidvantage. Currently at all 3 credit bureaus it shows that my loan repayment terms are " 4 months '' therefore my debt to income ratio is ridiculously high when applying for credit. Aidvantage told me that my loan time frame is for 25 years, therefore I want the whole repayment terms length being " 4 months '' fixed.
Consumer complaint received 2021-05-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (IL)

I filed a prior complaint with your office # XXXX requesting my loan be moved from the XXXX XXXX IL office to the XXXX IL office which is near where I work and more convenient. You contacted Heights Finance regional supervisor and the LIED to you and to myself also and said it was all taken care of and moved!! Today I got a call from the XXXX XXXX office from the office manager and called her back and talked to XXXX as she was with someone and I asked them why they were calling me as I was told my account was moved, she said no we cant move the accounts unless you refinance in another office! Yes they can I know because I was a XXXX  at that very office in XXXX  and know they just dont want to lose the account!! Please enforce the laws and make them move it and hold them accountable for lying to two government employees!! They are absolute trash!!!
Consumer complaint received 2020-06-04
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. (AL)

On XX/XX/2020 I opened an investigation to dispute unverified collection accounts reporting on my credit report with the Experian credit bureau. I disputed XXXX XXXX ( account # XXXX ), XXXX XXXX ( account # XXXX ), and XXXX XXXX XXXX account # : XXXX ). I Mail a request for validation to the 3 collection agencies and received nothing from them. I also sent a second validation letter in XXXX and received nothing from the XXXX Collection. XX/XX/2020 I disputed the XXXX collections with Experian again because the account was deemed verified in XXXX and I receive nothing in the mail about the dispute results or the investigation being open. a second time I received nothing from experien in XXXX about the dispute results or that they even started an investigation and I received nothing from the 3 collection agencies after sending a second validation!. So how is it that Experian was able to verify these accounts? contacting the cfpb to see if they can get Experian to do a thorough investigation and remove the 3 collection account if they are not verified. Thanks
Consumer complaint received 2021-09-14
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: EQUIFAX, INC. (IA)

XXXX  XXXX XXXX XXXX {$4500.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$26000.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. US Bankruptcy Court XXXX XXXX {$0.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed XXXX XXXX XX/XX/XXXX {$5100.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX  XXXX XX/XX/XXXX {$2300.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX  XXXX XX/XX/XXXX {$5400.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed.XXXX XXXX XXXX XXXX {$1900.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$1700.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$1400.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$2000.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed.
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MD)

I have repeatedly requested statements from American Express from XX/XX/XXXX through XX/XX/2016. I requested copies in XX/XX/XXXX, XX/XX/XXXX and most recently on XX/XX/XXXX where I spoke to XXXX XXXX ( XXXX ) and requested to speak with a supervisor. As none was available, I was told I would receive a callback within 24 hours. To date, no call has been received. I would appreciate receiving the statements as requested.
Consumer complaint received 2018-02-16
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: EQUIFAX, INC. (FL)

I have requested several times to verify an account that has been showing on my report. On XX/XX/XXXX I thought the problem finally got resolved as I got an alert that the account was removed from my report ... however, I checked my report again on XX/XX/XXXX and the account is back on my report. I understand they are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I will attach screenshots of both the notification from XX/XX/XXXX and the updated report on XX/XX/XXXX.