davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I CONTACTED TRANS UNION AND REQUESTED PROOF OF THE ACCOUNT AND THEY HAVE FAILED TO RESPOND OR INVESTIGATE ; THE ACCOUNT IS OVER XXXX XXXX XXXX AND PER NJSA 2A:14-1 THE CREDITOR MUST REMOVE THE ACCOUNT AFTER A 6 YEAR STATUTE OF LIMITATION ; TRANSUNION HAS ALSO FAILED TO PROVIDE PROOF OF THE DELINQUENCY DESPITE SEVERAL ATTEMPTS BY ME. XXXX MUST BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2022-02-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( XXXX ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX we mailed a forbearance extension request for our CARES act Fannie Mae mortgage loan. We noted that we are still experiencing a hardship due to COVID 19 and would like to a request an additional 3-month forbearance extension. 

We called to follow up with XXXX XXXX  on XX/XX/XXXX regarding the extension request. We were told by the representative that she entered the application for us and that we would receive an update with in 5 days via email or regular mail regarding our extension. We havent received any update. 

Today we called again and were transferred to XXXX in the loss mitigation department. She advised us that the request we submitted was closed on XX/XX/XXXX. We were never notified of the closure and do not know why our protected XXXX XXXX loan forbearance is not being extended under the CARES act as it should be. 

We are currently in an active CARES Act mortgage forbearance plan with XXXX/TIAA BANK and are requesting an extension to that forbearance. Our hardship has not been resolved. 

We have not received any communication regarding our multiple requests for extension. 

We would like to receive written notice of our mortgage forbearance extension under the CARES act.
Consumer complaint received 2015-08-12
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: World Acceptance Corporation (GA)

Im XXXX and i can no longer pay the loan at this time. I have told the loan company this and yet they still call my fiance, go to my work place and even call my mothers boyfriends workplace where i occasionally work to fill in for some one daily. It is harrasing me that they continue to call and show up at his work place and even call my fiance while he is at work trying to get him to pay the loan.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

XXXX information services, XXXX and Experian are continuing to report inaccurate information on my credit reports after failing to validate my dispute letters that I sent to all three of the CRA 's about an account which is being reported inaccurately. ( XXXX  XXXX  XX/XX/XXXX Charge-off ) I spoke with the manager a minute ago at XXXX  XXXX  in XXXX ( XX/XX/XXXX ) ( XXXX ) about the data that is being furnished by the CRA 's and he mentioned to me that an " AUD '' document to uniformly correct the information on my credit reports was to be made and yet it shows that the reporting is still inaccurate and not what they provided especially with XXXX XXXX XXXX .
Consumer complaint received 2015-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I have been getting the run around from Wells Fargo for years. I submitted a complaint to your office over a year ago and they began working with me in hopes of getting a loan modification ( after already giving them over {$32000.00} towards a modification, that they are now telling me was used for " fees ''. I have submitted my paperwork and financial information to them over 20 times. My case was supposed escalated to Wells Fargo 's " president 's office " and assigned a special rep to help get this resolved after my first complaint- but that eventually led nowhere and I was told I did not have options and I should consider a short sale, which I did not want, I have always wanted to keep and could afford modified payments- now they are beginning to foreclose. This is disgusting that they have been able to do this and my home will be foreclosed upon when I can in fact afford a payment. Additionally, my {$25000.00} loan is now at {$500000.00} because of all the fees they have tagged onto my original loan ... .please help!
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (NH)

I am writing in regards to a late payment on my credit report from for XX/XX/XXXX on my TD Bank/Target account # XXXX, opened XX/XX/XXXX, credit limit {$2000.00} that occurred due to a third-party error. ( I already sent proof to TD Bank ). 

My due date is the XXXX of the month. On XX/XX/XXXX, I received a payment confirmation from XXXX stating that my payment was successfully submitted. However, one month later I realized that I had a late payment reported. On XX/XX/XXXX, I received an email from the third-party company stating that they committed an error and my payment did not go through. Before this email, I was not even aware that my account was carrying a balance and had a late payment. I immediately made the payment on but by that time I was already marked late. 

This was a situation that I could not control. I had over {$19000.00} in the bank, which was more than enough to make the payment. This was not a money issue or even worse, because I did not want to pay. Now I have a perfect record of on-time payments. 
As a courtesy, I am requesting that XXXX a goodwill adjustment and remove the late payment from my record. You have been my bank for a long time, and I hope to continue having a wonderful relationship with your company. 

Thank you for your consideration.
Consumer complaint received 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (IL)

I was surprised to find a debt on my credit report from XXXX with Diversified Consultants Inc ( DCI ). I had phone service through XXXX through the end of XX/XX/XXXX, but had canceled my service and switched providers. The account went into collections, but I never received any kind of notice from DCI that it was being collected on ( either by mail or phone ). 

On XX/XX/XXXX I called XXXX and spoke to a customer service representative who told me that if I agreed to pay XXXX, before I actually paid, the representative would revoke DCI 's collection authority, allow me to pay, and then make a request for deletion to the credit rating agencies for this account. This sounded good to me, so I paid the specified amount. However, on XX/XX/XXXX, instead of a removal, I checked my credit report and instead saw an entry from DCI marking the account as 'Paid ' with a balance of {$0.00}. 

Not happy with this situation, I contacted XXXX using their online chat feature ( chat ID # XXXX ), and said that the representative had told me that collection authority would be revoked from DCI, I would pay, and the account would be deleted from my credit report. The representative responded, " The information is correct. ", leaving no ambiguity as to my understanding being correct. 

As of today, XX/XX/XXXX, the account remains on my credit report with a status of 'Paid ' and a balance of {$0.00}.
Consumer complaint received 2015-06-15
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: DISCOVER BANK (CO)

I applied to refinance my home with Discover Home Loans on or about XXXX XXXX, 2015. Over the space of approximately one week I submitted electronically all requested documents to Discover as part of this application process. On XXXX XXXX I was notified that the loan was " conditionally approved ''. Upon returning from vacation on XXXX XXXX, 2015, I submitted additional requested documentation. On XXXX XXXX, I was notified that they were 'working on a couple more things '' before final loan approval. On XXXX XXXX, I received another email with the same remark. On XXXX XXXX, I requested and update on the status. On XXXX XXXX I was notified that I needed to submit a new disclosure document. I noticed that this document resulted in a significant increase in my closing costs and contacted via email Discover loans regarding this matter on XXXX XXXX. At this point I lost total confidence in Discover Loans and requested a refund on my home appraisal. Discover Loans has not complied with my request.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$1100.00} XXXX XXXX XXXX XXXXXXXX -- -> : {$250.00} XXXX XXXX XXXX XXXX XXXX -- XXXX : {$3600.00} XXXX XXXX XXXX XXXX XXXX -- > {$2200.00} XXXX XXXX XXXX XXXX  XXXX -- > {$140.00} XXXX XXXX XXXX XXXX : XXXX -- > {$3100.00}
Consumer complaint received 2016-08-16
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Credit Corporation (WA)

We were attempting to ONLINE pay one of two debt listed with the collection agency. Their online system does not allow individual debts to be paid, they are forced to be consolidated. I attempted to pay the XXXX XXXX XXXX debt ( the lower amount ), but the option to receive confirmation of either debt paid will not be reflected, neither debt is shown paid. If one debt is in being challenged, they force you to pay both in order to get the other addressed and off your credit report.
Consumer complaint received 2017-04-30
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: EQUIFAX, INC. (MI)

On  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX   XXXX  had inputted an inquiry on my credit report without my authorization.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I am formally filing a complaint against the XXXX major credit bureaus, Equifax, XXXX, and XXXX, for their failure to investigate inaccuracies on my credit report regarding XXXX XXXX XXXX, despite multiple attempts on my part to rectify the situation. Enclosed with this letter are copies of my credit reports from all three credit bureaus, which clearly indicate the erroneous information associated with XXXX XXXX XXXX. Despite my repeated efforts to dispute and correct this misinformation, none of the credit bureaus have taken the necessary steps to investigate and rectify the issue.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-09-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: S&S Physician Services, Inc. (TX)

I was a victim of identity theft and noticed a collection from HARVEST ASSOCIATES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against HARVEST ASSOCIATES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

I am writing to address the late payments that have appeared on my credit report. It has come to my attention that there are entries reflecting late payments, which I believe are inaccuracies and do not reflect my financial history accurately. XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

Remove these fraudulent accounts from my credit report immediately I'm a victim of identity theft. XXXX this information within XXXX business days, as required by FCRA Section XXXX, and notify all those providing this false info. Act now or face legal consequences. Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Please remove.
Consumer complaint received 2022-09-03
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. (IN)

I sent out a letter multiple letters XX/XX/2022 for transunion to update my account with XXXX XXXX XXXX. Transunion is showing I have a delinquent payment with XXXX XXXX  and I do not they are inaccurate credit reporting and I would like it updated I do not have a late payment. I have tried multiple times with no response.
Consumer complaint received 2020-09-10
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: EQUIFAX, INC. (VA)

I have been dealing with this issue for sometime. With XXXX, Equifax and XXXX XXXX. I told them that all my identities were driver license and Social Security card. I found out it was brother who passed away of XXXX XXXX last year. I have documents from IRS showing Identity Theft Affidvat and showing after they investigated they proved it was Identity Theft. In the letter explain you will see why I didn't reported to police because if you tell on the wrong person in my neighborhood they will kill you. Also, in XXXX on 2020 I wrote XXXX XXXX XXXX XXXX were they said I fill out the applicant to get a car. I also have attached the letter I mail to them came back return to sender. On XX/XX/2020 I sent a certified letter with return receipt to XXXX and Equifax to inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through physical verification of the original signed consumer contract. Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof and if they are unable to provide me a copy of verifiable proof, these items must be removed that are listed below. ( I have attached the letter I sent to Equifax requiring ) Will XXXX  said that the verified it from XXXX XXXX but Equifax didn't respond yet. 1 ) XXXX XXXX ( both items were deleted 2 ) XXXX XXXX : was deleted 3 ) XXXX XXXX : was deleted by XXXX that put back on without proof. XXXX deleted it 2 months ago. None of the bureaus, creditors and collections have given me proof of what was ask in the letter attached. So, by law these items should be deleted if no proof was given. Also, I am veteran that is XXXX   XXXX  all my check goes to my children for child support. But Veteran Adminstration trying to get my flat to rent but with that item on my credit report is causing a lot damage. Please help a XXXX  veteran.
Consumer complaint received 2017-02-10
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Green Trust Cash, LLC (PA)

I took a loan from " Green Trust Cash '' for {$350.00}. The monies were credited to my bank account on XX/XX/2016. 
To date, I have paid a total of {$370.00} and per Green Trust Cash customer service, I have an outstanding balance of {$320.00}. 
I have since realized that online/payday/tribal loans are illegal in the State of PA where I reside. And, any lender can not charge more than 6 % interest. 
On this loan, that would be the Principal : {$350.00} plus 6 % interest : {$21.00} Based on PA law, I have overpaid by {$4.00}.
Consumer complaint received 2015-06-25
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (GA)

I had been trying to get my APR correctly reflected to the 6 % as required by law underneath SCRA and the company is refused to adjust after, numerous email, calls and letters. I have since canceled the line of credit, credit card with them and just would like fees and interest returned to me in the amount of {$61.00}