davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
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. (AZ)

Experian always has the incorrect information on my credit report and each time I reach out to them they either never finish the dispute or report back that the company confirmed the erroneous information and just leaves it at that even though I have on occasion provided written proof that the information is incorrect. Since credit scores and information are a necessary part of a consumer 's life any credit reporting agency that fails in their duty to maintain 100 % accurate information should lose it's business license since these erroneous errors can and do cause hardship to consumers.
Consumer complaint received 2021-05-27
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. (FL)

In 2016 I filed chapter XXXX bankruptcy in the XXXX Federal Court and it was ordered closed and transfered by Court order to the XXXX Federal district. In XXXX of 2016 the XXXX Court ordered the case discharged and closed. For about a year I have been disputing with transunion who is reporting XXXX bankruptcy in the " Filed Open '' status and the XXXX bankruptcy as discharged. Transunion states it is their outside vendor " XXXX XXXX '' who is reporting to them that the case is open, but I obtained a case number for XXXX XXXX who confirmed that they are reporting " Closed and Discharged " XXXX XXXX furnished a direct number to the XXXX bankruptcy clerk who also confirmed that in the Federal database it shows " closed and transfered " Transunuion is still to date informing me that the XXXX case is reporting accurate as " Filed and Open '' and continues to claim it is " XXXX XXXX  " who is reporting to them " Filed and open '' I have given them 2 Federal orders from the judges who presided over the cases that the XXXX case was ordered closed and then an order from the XXXX Federal Judge that the transferred case was sent to his court and subsequently discharged and ordered closed, I also had my bankruptcy attorney submit to them on letterhead explaining the XXXX case being closed.. 

Transunion is still ... with all the evidence provided stating that they are reporting the accurate information as to the XXXX case being opened. 

I have lost my financing for a semi truck to operate my company and lost a contract due to a Bankruptcy that is inaccurate on my transunion report showing filed Open when it is federally ordered to be closed.
Consumer complaint received 2019-03-12
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. (DE)

XXXX and Experian have a XXXX 's XXXX ( Balance listed {$260.00} ) on my file. I have paid this account off. I have disputed it twice with these companies and they continue to leave the balance. Each time they have returned no investigative results for the disputes. 

This is a violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2023-07-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (SC)

XXXX of a used XXXX XXXX XXXX XXXX XXXX XXXX with roughly XXXX miles purchased of XXXX I got approved for a loan and had to use a ssi to apply and have to pay the lender on a higher rate with already paid money
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (LA)

I deposited a check on XX/XX/XXXX into the ATM at Regions XXXX Branch. A hold was placed on the check because it was not endorsed by the mortgage company. I spoke with a bank teller who stated that the check would clear in 30 days. On XX/XX/XXXX the funds were moved to the back office. The hold can no longer be seen on my account. On XX/XX/XXXX I made an appointment at the bank inquiring about the funds. I was told I should hear something within a week. I heard nothing. XX/XX/XXXX I made another appointment. I was told I would hear something in 24 hours. I didnt. I went back on XX/XX/XXXX. I was called 2 hours later stating the check was returned to XXXX XXXX XXXX who is the issuing bank. On XX/XX/XXXX, I had my insurance company to trace the check. The check is still showing as cashed on XX/XX/XXXX.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I consolidated my loans with XXXX and on my Equifax report it shows the consolidated amount plus every loan consolidated still shows individual with an amount due so it makes it look like I have triple the amount of student loan debt.
Consumer complaint received 2021-10-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

I fell behind over 4 years ago after my monthly mortgage payments increased, while my income remained the same. I did not qualify for a loan modification due to my income and I struggled to try to catch up for years. For the past two months I have been committed to trying to take care of this delinquency once and for all and I applied for a short sale. After years of receiving loss mitigation applications from my mortgage lender, I finally decided to buckle down and send in the documents that they required so that I could get some help and now they are refusing to help me. After all this time that I've been past due and I finally decide to make a true effort to rectify the delinquency and they do not want to stop the foreclosure. I have retained a real estate agent, I have a willing and able buyer that wants to make an offer, I have submitted all of my financial information just to be told that my request is denied " due to the proximity of the foreclosure auction '' when I sent in documents weeks ago. They had enough time to review and deny me yet not enough time to review to help me? It doesn't seem fair, but I do not know which way to turn at this point because I am trying to do this the right way and avoid just letting the home foreclose. I can't afford that on my credit at a time like this. I need someone to assist me with getting in contact with management at the mortgage company, I need to speak with a real person that actually wants to help me. Not just a representative reading a script.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX : received letter saying autopay was canceled. Called CapitalOne and found account had been closed due to inactivity. They claimed they had notified me of their intent to close the account due to inactivity in XXXX, but I did not receive this message. They refused to reopen account or provide any way to use the XXXX points that had I had earned. Card expiration is not unitl XXXX.
Consumer complaint received 2024-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I reached out to XXXX regarding my issue with them sharing my personal information with nonaffiliates which includes XXXX, TRANS UNION XXXX and XXXX. According to XXXX privacy policy which is also attached states that they do not sell or share my personal information with non affiliated 3rd parties I have made multiple attempts to opt out of them reporting my personal information which is backed by the privacy act of 1974. Copies of notices are attached. Not to mention XXXX XXXX, TRANS UNION XXXX and XXXX an are reporting income to my report which illegal according to the IRS publication XXXXXXXX XXXX  is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to XXXX XXXX to share my information with a non affiliated third party. The Gramm Leach Bliley Act 15 USC 6801 says that a financial institution is not supposed to share non public personal information to a third party. XXXX is furnishing a charged-off account onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a credit report. XXXX did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. I am asking XXXX to Cease and Desist all communication through any and all mediums unless it is for a specified remedy that I am invoking. The term communication through any and all mediums would be telephone, email, social media, and any consumer report. This notice is pursuant to 15 USC 1692c. The term communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt is reporting onto my consumer report which is a form of communication and I need this charged off account removed. This is also a direct violation of 15 USC 1692d If This account startin with XXXX is not removed from all credit reporting agencies I will be filing the appropriate forms on all parties involved with the appropriate authoritative agencies such as the IRS to combat the fraud perpetrated against me.
Consumer complaint received 2024-05-10
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (CA)

I took out private loans through Sallie Mae for my XXXX XXXX at XXXX XXXX ( years attended XXXX ), owned by XXXX XXXX XXXXXXXX XXXX in XXXX XXXX XXXX California. I have been making monthly payments on these loans for well over a decade, have never defaulted, and have already paid beyond my original principal amount. I consolidated my loans through Navient in XXXX. Ive included my most recent XXXX ( formerly Navient XXXX ) statement. As you can see, these predatory loans have been hanging over my head for 20 years and will without relief despite recent court rulings continue for 20 more. 

As demonstrated in the recent XXXX XXXX XXXX ruling, the school I attended during the years I attended has been found guilty of misconduct ( listed on the For-Profit School List on the XXXX website ). My story is similar to many students in the same boat : we were given false promises by recruiters and suckered into high-interest private loans through Sallie Mae . At one point in XXXX or XXXX, Sallie Mae raised my interest rate to 14 % for the next trimester, telling me over the phone, Well, you can drop out, but you still owe us what youve taken out so far. I did not drop out. I graduated in XXXX of XXXXXXXX XXXX XXXX XXXX. Of course the promised job placement never occurred. I received no help from the school, and in fact also discovered that theyd lied about regional accreditation. In short, like so many victims of XXXX XXXX and XXXX, I was scammed. 

Of course, because I did not default, I have not qualified for any of the settlements or lawsuits that have come up over the years directly pertaining to my alma mater, my years of attendance, and my exact XXXXllie Mae loans. Recently, I was told I did not qualify for the Navient XXXX Multi-State Settlement precisely because I had not defaulted. Ive been lucky in that many student debt groups have popped up in the wake of the Sweet decision ( XXXX XXXX, by the way, graduated from XXXX XXXX XXXX years after I did, so our stories could not be more similar ), including the Project on Predatory Student Lending, with whom I have also shared my story. 

It was on the XXXX XXXX XXXX XXXX ( there are so many victims that we have multiple social media groups to keep each other abreast of the happenings ) run by XXXX XXXX that I first heard whispers of a pilot program to aid in discharging these predatory private loans, whispers that offered me the first faint glimmer of hope in 20 years. There is now established legal precedent that my school acting in conjunction with Sallie Mae ( Navient/Navient XXXX ) lied to XXXX deceived, and defrauded students. In my case, this debt has defined the last XXXX years of my life, and at XXXX XXXX XXXX and a college professor myself, I am still living in a small one-bedroom apartment, trying to survive month to month, while my top financial priority each month is my loan payment.
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

The company called me I answered they told me I had debt that was pushed to them from my old apartments for a cleaning fee and two utility bills for the amount of $XXXX and some change. They said I needed to pay it now at first or it was going to go on my wife and mines credit as bad debt with a derogatory remark. So I asked if there was a payment plan I could do they said no but they could try a hard ship took some of my info and then said I didn’t qualify so I asked them if I could pay them when I got paid the First Lady said let me transfer you to someone who could help you. I was then transferred to guy who said since I was in the military that he was going to give me some Military friendly loan places but he needed my card information first. When I declined he then transferred me to their manager she then got really rude with me and started to threaten to call my commanding officer and they refused to accept any payment from me unless it was the full amount so after arguing with them for about 20 minutes I gave up and hung up on them. I didn’t catch the names but this is the number they called from (XXXX) XXXX if you call it, it will take you straight to the First Lady who called me. Her name is  XXXX. That’s the only name I remember. The company is “IQ Data International”
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

Equifax and XXXX have a XXXX XXXX XXXX ( Balance listed {$260.00} ) on my file. I have paid this account off. I have disputed it twice with these companies and they continue to leave the balance. Each time they have returned no investigative results for the disputes. 

This is a violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2021-10-25
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)

I sent letters to XXXX, XXXX and Experian in XX/XX/2021 and I did not receive any written responses to my dispute letters. So, I resent the letters in XX/XX/2021 for no response to my initial letters. Still NO RESPONSE. I sent another batch of letters in XX/XX/2021. And again, NO RESPONSE. At this point I'm frustrated and disappointed that they have failed to conduct a proper investigation concerning the inaccuracies on my credit report. I've given them more than enough time to investigate and respond.
Consumer complaint received 2021-10-25
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. (TX)

I, XXXX XXXX XXXX, fully authorize this investigation. I never gave consent to TransUnion and XXXX to furnish anything. Attached below is my FTC identity theft report.
Consumer complaint received 2019-03-12
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. (TX)

Hi, My son applied for an auto loan and I was the co-applicant of that loan through XXXX XXXX XXXX XXXX XXXX. We applied for a pre-approval application online for an auto loan on XXXX, XX/XX/2019. We got pre-approved on XXXX, XX/XX/2019. I provided my personal information to them which included my social security, pay stubs and my drivers license and my son provided his personal information to them. They called me today, XX/XX/2019 at XXXX XXXX and told me that they have pulled my credit report and my date of birth does not match the date of birth that I have provided to them. They told me to provide them with a letter which will state that my date of birth has been corrected.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent Transunion 1099c, tax transcript from IRS, and proof that XXXX XXXX XXXX finance can not report a charge off that has been claimed on our tax return on my consumer report. Transunion will not delete XXXX XXXX XXXX XXXX from my consumer report, once a 1099c is given and included on taxes, this charge off is now consider income. Income is not reported on credit, unless there is a new law that you CFPB have made up and I have not found it in the laws from CFPB and federal bureau have been put in place.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

This debt was paid in a settlement back in XXXX. The agreed upon amount was XXXX, which were to be made in 4 payments, which they were, would in fact settle this account. I noticed on my credit report that in the fact the opposite was reported. The account is being reported as a balance of XXXX still being owed which shot my utilization through the roof and lowered my score 76 points!!! 76 points!! I am in the process of closing on my home and this has not barred me from doing so!
Consumer complaint received 2019-03-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

On XX/XX/2019, I sent out dispute letters to Equifax via certified mail regarding a medical collection account on my credit from XXXX. Original creditor was XXXX XXXX XXXX XXXX. I also sent out validation letters to XXXX via certified mail telling them to VALIDATE, NOT VERIFY MY ACCOUNT. XXXX  responded by sending my medical information in the mail that they obtained from XXXX XXXX XXXX XXXX. XXXX  sent me this information without a HIPAA release form, which is a HIPAA Violation, and they still did not send me anything with my signed signature on it proving that this debt is mine in the amount of {$840.00}. It is a violation for Equifax to report anything on a Consumer profile without that information. After my dispute was completed, Equifax did not send me anything in the mail with ANY of my updated credit information with ANY of my listed accounts on my profile like I requested. They only sent me a report of an account that was listed in my dispute form in error that I did not mean to dispute with Equifax that was sent on XX/XX/2019. That account was XXXX XXXX. I attached the document of the equifax response regarding my dispute. There was also a medical collection account named XXXX XXXX XXXX that was deleted from my equifax report and I did not receive that information on my updated credit report as requested.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (AZ)

This company is acting as a debt collector company but in the FTC JUNK DEBT buyer list XXXX is a junk debt buyer company. 15 Usc 1692g I am the original creditor only I can validate debt. I have filed multiple dispute letters and will continue to take action on these fraud agencies.
Consumer complaint received 2022-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

American Express dispute team created a FAKE transaction on my card in XX/XX/XXXX, then added this fake transaction to my XX/XX/XXXX statement even though I already have the transaction there on XX/XX/XXXX ( there is 1 charge on that day that is real, then I disputed it and they gave me the dispute credit and said I won dispute, but then went into my account and literally created a FAKE line item transaction for a duplicate charge and put it into my XX/XX/XXXX statement so it would cancel out dispute winnings ). Is this even legal? They are doing fraud to me.
Consumer complaint received 2021-08-15
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. (CA)

My mortgage was transferred to XXXX XXXX XXXX a few months ago. 

They sent me a letter telling me that my mortgage has changed to them and asked for my bank account info for payment - which I found suspicious since the loan number was different and I hadn't received anything saying XXXX XXXXXXXX XXXX was my new lender from my existing bank ( XXXX ). They had said my loan would be transferred to " XXXX XXXX XXXX ''. 

I called XXXX to figure out if it was legitimate or fraudulent. They had the right info about my existing loan so I ended up setting up my account and signing up for automatic payments over the phone. 

Then a couple months later I got a notice in the main that my account was delinquent. I called and it turns out that the automatic payments wouldn't kick in for 2 months ( which they never told me on the phone ), and once the payment was missed, the automatic payments were cancelled too. 

After calling I immediately paid the balance and called back to verify it wouldn't be reported as late to the credit bureau, but it turns out they had already sent the delinquent status to the credit report. 

They promised that they would fax letters to the credit bureaus to remove the negative marks, but that was several weeks ago and the negative marks still remain on the credit report. 

I've emailed and called them several times and still have gotten no response from them about the issue with my credit being resolved. 

The XXXX online presence is extremely dated and difficult to navigate ( e.g. to tell what the outstanding balance is or set up automatic payments ). In this case my flawless credit of XXXX dropped nearly XXXX points due to mix ups in their payment systems that weren't communicated to me, and now several weeks after I've paid the balance and discussed the credit issue with them they've failed to address it with the credit bureaus.