davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-26
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)

Two of the credit reporting agencies are reporting the date they updated certain accounts on my credit report is this month. The information is still inaccurate. The bureaus have exceeded their statutory time to correct the issues and even attempted to mislead me. This is prolonging my ability to obtain a home loan, causing considerably higher interest rates on all financial products, and is detrimental to my family 's safety and security. In XXXX XXXX Trans Union, LLC, XXXX XXXX XXXX ( XXXX Cir. XXXX ), inconsistencies between two different reports concerning a single consumer are sufficient for a plaintiff to withstand a motion for summary judgment on a claim under XXXX ( b ). I pulled the attached report XX/XX/XXXX ( today ). I have highlighted the exact discrepancies as well wrote notes. All accounts show an incredible amount of inaccuracies between your agencies ( XXXX ). As of yet, I have not received and proof of debt nor any proof of accuracy from any agency. The Department of Education, XXXX, New York XXXX XXXX accounts need to be deleted immediately.
Consumer complaint received 2021-05-01
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: ARVEST BANK GROUP, INC. (FL)

On XX/XX/XXXX pusurant to Arvest Central Mortgage 's request to my last complaint, I provided dates and statements showing my credit effected by the erroneous reporting by Arvest on XX/XX/XXXX of my account in foreclosure when in fact it was paid in full on XX/XX/XXXX. Also Arvest threatened to charge me more on XX/XX/XXXX when there was already a payoff letter through XX/XX/XXXX and i was told not to pay it as the closing closing was in a few days. They reported the XXXX payment as late and charge a late fee. I provided the closing statement / payoff letter and they chose to ignore that and all the information provided to include numbers 1-19 with back up documents. These show that two major accounts were closed due to the XX/XX/XXXX credit reporting error. Also two accounts lowered my credit limits due to the XXXX/XXXX/XXXX error in reporting to the credit agencies. Arvets requested dates and I gave them more than enough. The only response I received was that the corrected the error on XX/XX/XXXX almost XXXXhree months later. This is not sufficient and they stated that their prior response was not changed despite the new documentation showing that they effected my credit limits and scores to my detriment and provided no assistance to me and my family. This is humiliating and embarrassing as well as not a proper response to the problems they caused.
Consumer complaint received 2021-05-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/21 I 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 taking advantage of and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items from my credit report it has been over 60 days so the items in question should be deleted promptly. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my mental and physical wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the Equifax data breach.
Consumer complaint received 2021-05-01
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. (VA)

Please see attached affidavit which has already been submitted to both XXXX XXXX XXXX and XXXX XXXX XXXX. And Equifax has the audacity to sent a letter to me the consumer, natural person, and original creditor stating that this alleged debt, this charge off was validated and that the alleged debt was mine. This has infuriated me, I personally feel threatened being that with that XXXX XXXX and Equifax are both telling me they are above law in which Congress enacted.
Consumer complaint received 2020-11-04
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: Mr. Cooper Group Inc. (TX)

Hello, My name is XXXX XXXX and the reason I am reaching out today was to complain on Pacific Union and their their lack of response and reporting. I have done everything they have asked and followed every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2020-12-04
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. (VA)

XXXX  has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment date as XXXX. 
Experian has XXXX 's last payment status date of XX/XX/XXXX. 

XXXX  has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment as XXXX Experian has XXXX 's last payment as XX/XX/XXXX. 

XXXX  has XXXX  's last payment as XXXX. 
XXXX  has XXXX 's last payment as XXXX. 
Experian has XXXX  's last payment as XX/XX/XXXX. 
XXXX  has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment as XXXX. 
Experian has XXXX 's last payment as XX/XX/XXXX. 

XXXX has XXXX XXXX last payment as XXXX XXXX  has XXXX XXXX last payment as XXXX. 
Experian has XXXX XXXX last payment as XX/XX/XXXX. 


THESE ACCOUNTS APPEAR TO BE FURNISHED BY THE SAME CREDITOR SO WHY IS IT THAT THE DATA THATS PROVIDED IS DIFFERENT ON EACH BUREAU? IT IS THEIR DUTY TO ENSURE THAT ALL INFORMATION PROVIDED IS CONSISTENT AND MOST IMPORTANTLY ACCURATE. HOWEVER THE CREDIT BUREAUS HAVE FAILED TO DO SO. I HAVE CONTACTED EACH BUREAU SEVERAL TIMES ABOUT ERRONEOUS INFORMATION. XXXX  HAS CHOSEN TO BLATANTLY DENY MY REQUEST TO FURTHER INVESTIGATE THE MATTERS.BECAUSE OF THIS APPARENT NEGLECT IN ENSURING THAT EVERYTHING ON MY REPORT IS ACCURATE, CONSISTENT, AND UP TO DATE, I AM HERE AGAIN REQUESTING THAT THESE ERRONEOUS ITEMS BE DELETED IMMEDIATELY.
Consumer complaint received 2020-12-04
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. (VA)

XXXX  has XXXX 's last payment as XXXX. 
Transunion has XXXX 's last payment date as XXXX. 
XXXX  has XXXX 's last payment status date of XX/XX/XXXX. 

XXXX  has XXXX 's last payment as XXXX. 
Transunion has XXXX 's last payment as XXXX XXXX  has XXXX 's last payment as XX/XX/XXXX. 

XXXX  has XXXX  's last payment as XXXX. 
Transunion has XXXX  's last payment as XXXX. 
XXXX  has XXXX  's last payment as XX/XX/XXXX. 
XXXX  has XXXX 's last payment as XXXX. 
Transunion has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment as XX/XX/XXXX. 

XXXX  has XXXX XXXX last payment as XXXX Transunion has XXXX XXXX last payment as XXXX. 
XXXX  has XXXX XXXX last payment as XX/XX/XXXX. 


THESE ACCOUNTS APPEAR TO BE FURNISHED BY THE SAME CREDITOR SO WHY IS IT THAT THE DATA THATS PROVIDED IS DIFFERENT ON EACH BUREAU? IT IS THEIR DUTY TO ENSURE THAT ALL INFORMATION PROVIDED IS CONSISTENT AND MOST IMPORTANTLY ACCURATE. HOWEVER THE CREDIT BUREAUS HAVE FAILED TO DO SO. I HAVE CONTACTED EACH BUREAU SEVERAL TIMES ABOUT ERRONEOUS INFORMATION. XXXX  HAS CHOSEN TO BLATANTLY DENY MY REQUEST TO FURTHER INVESTIGATE THE MATTERS.BECAUSE OF THIS APPARENT NEGLECT IN ENSURING THAT EVERYTHING ON MY REPORT IS ACCURATE, CONSISTENT, AND UP TO DATE, I AM HERE AGAIN REQUESTING THAT THESE ERRONEOUS ITEMS BE DELETED IMMEDIATELY.
Consumer complaint received 2017-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (SC)

Navient is impossible to contact, and very difficult to work with. Also, they constantly send me marketing materials trying to sell me stuff under the name XXXX. If I block those emails, then it blocks emails I need. This company is dreadful and I am fed-up with them. When I call, their automated system hangs up on me and it takes 4 or more tries to get in a cue that then takes another 45 minutes wait time to speak with someone. When I get someone, it is typically the wrong someone, with a bad connection, in XXXX, and I can not understand what they are saying. Disconnect and try again. I have spent countless hours trying to reach them to not get simple problems resolved. They 've already made one mistake and hurt my credit - which cost me on a mortgage loan that affects me for 30 years. I 'm sick of this company. I never signed on with them, but my loan was sold to them and now I have to spend way too much time dealing with a bunch of amateurs and not getting my problem solved. I previously submitted a complaint and they never contacted me. They did respond to the CFPB, claiming that they were unable to reach me, which is patently false. This just reinforced my suspicions above - this is not an organization that is interested in actually getting anything meaningful accomplished - they are a bunch of amateurs that are wandering aimlessly and randomly picking individuals to make their lives difficult. I DO NOT WANT TO DO BUSINESS WITH THIS ORGANIZATION ANY LONGER and I hope that the CFPB can offer a way out and recourse.
Consumer complaint received 2022-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (IL)

Look at the Original complaint ID XXXX with Gemini their only response since XX/XX/XXXX was to CFPB on XX/XX/XXXX they have Stonewalled me since. I just need Gemini to respond to me on how I can re-gain access to my account. I think that is a reasonable request! 

Thanks XXXX
Consumer complaint received 2021-10-13
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 report is showing inaccurate multiple inquiries no authorized by me. I gave permission for the company to run ( 1 ) hard inquiry from XXXX XXXX on XX/XX/2021 for all the credit bureaus. There were an additional ( 2 ) more inquiries by XXXX XXXX ran the following day XX/XX/2021 without my knowledge or permission. This is affecting my personal life and chances of getting denied by different creditors. I am asking for the ( 2 ) unauthorized inquiries from XXXX XXXX ran on XX/XX/2021 be immediately removed for all credit bureaus.
Consumer complaint received 2024-03-18
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TX)

Back in XX/XX/XXXX my old rental company sent a letter of damages/end of lease fees that were inconsistent with my move out date and information advised to me of that time in XXXX. I disputed it via email on XXXX XX/XX/XXXX with a clear breakdown of what was false on the debt request such as amounts, dates not aligning with information provided by companies ( with evidence ), charges etc to which an auto email reply was received back from the leasing office stating the manager was out of office and would be back XXXX XX/XX/XXXX. A reply was then never received from them in relation to my credit verification request and in XX/XX/XXXX I was informed of the credit verification dispute process by a lawyer after I applied for a new rental and got denied at which time saw the collection XXXX XXXX on my credit report and attempted to contact the collections agency who now owned the debt including required information to dispute it. The agency has never responded and as such I again contacted a lawyer this month who mentioned filing a credit complaint with your Bureau as the collection has not been handled correctly and as a consumer this is now negatively impacting me.
Consumer complaint received 2024-03-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

XX/XX/2023 my debt was re-aged causing my credit score to decline again. My credit score already took a hit when XXXX reported to credit report. The attempt to re-age a debt when the debt is set to fall off is illegal! The next step will be to sue this company.
Consumer complaint received 2022-09-16
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. (MD)

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 XXXX XXXX over XXXXtransunion has me at a score around XXXX. 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 XXXX 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-10-22
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: Exeter Finance, LLC. (LA)

I contacted Exeter to get a small settlement amount on the account and I haven't received a call back. The car was flooded in XX/XX/XXXX, I was still paying on the car, then I stopped because I couldn't afford it. They retrieved the car and resold the flooded car and is asking for the same price according to my credit report. I really want this removed. XXXX
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (OH)

An account with Mariner Finance was fraudulently opened in my name by a former spouse. When it went unpaid, they sued me and received a judgement against me to pay in the amount of {$85.00} per month for the balance of the loan. I have made these payments on time since XX/XX/2020, however they are not applying them to the loan, and continue to report the loan as no payment made to the credit bureaus. When I contacted them, they stated they will continue to mark it as unpaid until the loan is paid in full. The loan will never be paid in full, because they are charging higher monthly interest than the $ XXXX  month payment, and therefore not applying the payments to principal. I spoke with XXXX at the XXXX XXXX who was rude and condescending and told me it was my own fault for not paying my bill, even though they have been made aware this was a fraudulent loan.
Consumer complaint received 2022-04-26
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. (IL)

My urse was stolen several years ago, and someone started opening accounts in my name. I went to the police and did everything they told me to do to correct everything. I've been back and forth with these ppl for a few years trying to get these things off my reports. However, they are still reporting 2 items and a few inquiries that aren't mine. Please do something to help me get them off.
Consumer complaint received 2021-10-13
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: CBC Companies, Inc. (TX)

My credit report is showing inaccurate multiple inquiries no authorized by me. I gave permission for the company to run ( 1 ) hard inquiry from Factual Data on XX/XX/2021 for all the credit bureaus. There were an additional ( 2 ) more inquiries by Factual Data ran the following day XX/XX/2021 without my knowledge or permission. This is affecting my personal life and chances of getting denied by different creditors. I am asking for the ( 2 ) unauthorized inquiries from Factual Data ran on XX/XX/2021 be immediately removed for all credit bureaus.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

My husband and I share a joint checking account with Capital One. My husband did a mobile deposit yesterday XX/XX/XXXX at XXXX XXXX and Capital One cut off for business day is XXXX. We received two mobile alerts. First one said the funds would be available on XX/XX/XXXX and the next one said they would be available XX/XX/XXXX. Our checking account was opened on XX/XX/XXXX. When we saw the second hold frame, my husband called Capital One on XX/XX/XXXX and the representative at the time said we required to speak with a manager next day to do a deposit override. My husband and myself called to speak to a Manager today on XX/XX/XXXX who went by XXXX and informed us we were on a recorded line. She informed us there was nothing she could do as our account is considered new and that Capital One had the right to hold for four business days however XX/XX/XXXX to XX/XX/XXXX is technically five business days. I mentioned that the Expedited Funds Availability Act states {$200.00} must be released the next business day of deposit and she claimed there was no such law and we would have to wait until 24 hours to call and petition for any funds to be released.
Consumer complaint received 2021-05-01
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. (PA)

I've contacted this company 4 times and unverified items remain on credit report. I have not been provided any proof of a signed contract. They have not provided me with their method of verification. I do not know who does the investigations or how they do them.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2024 the amount of {$49000.00} was wired out of my account without my permission or knowledge. I called Chase bank and reported the fraud and tried to recall the wire, however they closed the case saying that the responding bank is not able to return the funds. This wire was unauthorized and should not have been sent to begin with. I did not receive any details regarding this wire nor did the bank send me notifications or vertification while adding a new payee into my account which is usually the case. I have been to the branch several times and have been advised to file this complaint in order to escalate it with chase and have them look into this situation once again. Chase needs to look into the IP address from where the wire was initiated from and by whom and I would like my funds returned as I am a victim of fraud.
Consumer complaint received 2021-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (NJ)

This account that is being reported 30 days late on XX/XX/2020 and XX/XX/2020 my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). I would like for you to investigate the late payment history and prove to me that in fact was delinquent on the date reported. It is the responsibility of the furnisher to report accurate information per Section 623 of the FCRA and it is the responsibility fo the Credit Bureau to hold them to those standards.
Consumer complaint received 2021-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (PA)

I have an collections from Online Collection Services appear on my report XX/XX/2021 stating that I had an utility bill of {$1700.00} out of no where. I have never had an utility bills other than a cell phone bill no cable gas or electric bills. This is a fraudulent account that does not belong to me being reported on my credit report
Consumer complaint received 2021-08-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I had a credit card with XXXX with a XXXX limit. The account was passed due and was charged off. The account shows on my credit report as closed/charged off status and XXXX balance. 

Portfolio Recovery purchased the account and they are reporting the balance as XXXX with an open date XX/XX/2020