davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

XXXX XXXX inaccurate reporting is damaging my credit report such that it has caused a denial in financing for my home refinance. 

My report dated XX/XX/XXXX reported 14 90 day lates. But then on my report dated XX/XX/XXXX the information changed to 31 90 day lates. As a consumer that checks their credit they trust the information reported to be accurate ; clearly this is not the case. 

This change in reporting caused my scores to drop so low that it disqualified me from the pending loan that I had been pre-approved for. In fact, the difference in reporting is causing a 108 point  difference between XXXX and Equifax. At a minimum I am requesting that this company report to Equifax the way they are reporting to XXXX or XXXX but as I understand it, if what they 're reporting is n't accurate the entire listing of this item should be removed from Equifax allowing my credit score to rise to enable me to obtain my financing without further delay. Attached are print-screens of my XX/XX/XXXX and XX/XX/XXXX credit reports showing the difference in reporting which is causing the Equifax credit score to be retarded by 108 points thus disqualifying me from my home refinance. 

When ordering my FICO scores the only difference between the Equifax score and the XXXX score ( Fico reason codes ) is that Equifax is reporting RECENT delinquency. This item is not a RECENTLY delinquent item ; it has been charged off for many months according to previous credit reports. It appears as if XXXX XXXX is deliberately misreporting this item ( with recent delinquent activity ) on Equifax in order to damage my credit score. 

Several months ago I negotiated with XXXX XXXX and paid off the outstanding balance and as a part of the settlement agreement they agreed to remove the payment history which they did follow through with on my XXXX credit report however they did not on Equifax and you can see the result in my credit score disparity as explained above.
Consumer complaint received 2022-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (CA)

About mid-September my husband, and I began receiving DAILY robocalls from Monterey Financial Services ( XXXX ). We have no account with Monterey, nor any outstanding debts. The robocall stated that by listening to it, we were admitting to having an account with Monterey ; and when we call, we should make sure no one could hear us before giving them private information. There was no other information given about this alleged debt, and we weren't addressed by name. I looked them up online, could not find any further information except for a phone number ( XXXX ). I called this number, but needed to have an account number in order to be connected to someone. We do not have an account. I then checked the XXXX XXXX XXXX  and got their address. ( Monterey Financial Services, LLC, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ). I have made no further attempts to contact them. 
As I stated above, we have no account with them. We have not heard of them or from them before and have received no other communication from them with any specifics. 
All the calls have been made to our landline home phone and continue daily.
Consumer complaint received 2023-01-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Took out a car loan with credit acceptance car loan and it was supposed to be low payments as my credit score was in mid XXXX. But I found out my payments were {$850.00} a month. Making it impossible to pay. 
They didn't provide paperwork. 
I lost work due to covid and unable to make {$850.00} payments. And this has now dropped my score below XXXX.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

XXXX inaccurate reporting is damaging my credit report such that it has caused a denial in financing for my home refinance. I am losing thousands of dollars because of their inconsistent and therefore inaccurate reporting. 

My report dated XX/XX/XXXX showed 7 90 day lates. Also the history shows that in XXXX it was 4 times late but then in the report dated XX/XX/XXXX shows it 5 times late. As a consumer that checks their credit they trust the information reported to be accurate ; clearly this is not the case. Then on my report dated XX/XX/XXXX the information changed to 33 90 day lates. 

This change in reporting caused my scores to drop so low that it disqualified me from the pending loan that I had been pre-approved for. In fact, the difference in reporting is causing a 108 point difference between XXXX and Equifax. At a minimum I am requesting that this company report to Equifax the way they are reporting to XXXX or XXXX but as I understand it, if what they 're reporting is n't accurate the entire listing of this item should be removed from Equifax allowing my credit score to rise to enable me to obtain my financing without further delay. Attached are print-screen of my XXXX and XXXX credit reports showing the difference in reporting which is causing the Equifax credit score to be retarded by 108 points thus disqualifying me from my home refinance. 

When ordering my FICO scores the only difference between the Equifax score and the XXXX score ( Fico reason codes ) is that Equifax is reporting RECENT delinquency. This item is not a RECENTLY delinquent item ; it has been charged off for many months according to previous credit reports. It appears as if XXXX is deliberately misreporting this item ( with recent delinquent activity ) on Equifax in order to damage my credit score.
Consumer complaint received 2017-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Due to the XXXX breach we froze our credit accounts with all three credit bureaus however Transunion 's eBureau division is still rating us as of XXXX,2017. With erroneous information.
Consumer complaint received 2018-01-12
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. (LA)

XXXX student loan company told me my account was charged off and did n't allow me to make payments for over 2 years starting XXXX of 2015. I recently obtained a copy of my credit report and I see where they have been reporting my as failure to pay. This company has been cited before for its predatory lending practices. I have spoken with several agents there and explained my situation about not having a job at the time no help was given. And on XXXX XXXX, XXXX after months of repairing my credit and bringing my score up, they flagged my XXXX private loans as charge offs when I could have been paying on them all this time.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

Equifax is falsely withholding pertinent information regarding my credit file. I have called repeatedly and they would say they were transferring me to a speciality handling department, and then after transferred I asked them what kind of department was this, they would not give me a clear answer as to what this department really is. I have also noticed that Equifax posted a score that was lower than my actual score. I have called and advised them they that is was wrong based on my product they then blocked me from viewing my point and this is ongoing. I called this evening to advise them I was having the same problem and they said I would be able to get in tonight and it is still showing the same exact thing. I once told the rep I was recording the call he immediately transferred me to a department that played a message and then hung up on me.
Consumer complaint received 2024-02-20
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. (GA)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

There is many fraudulent accounts on my credit reporting that I have never had or authorized.I believe to be a victim of identity theft and I am in the process of purchasing a home and this has caused me alot of trouble. Please help me. The accounts are showing as XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In XX/XX/XXXX i noticed someone using my information to try and get things in my name as a result I have over 10 hard inquiries on my transunion and XXXX report. Anything from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are all part of the fraud with exception of XXXX XXXX XXXX XXXX which is mine from a car loan an XXXX. I disputed all inquiries with all 3 credit reports and only XXXX has deleted them. Transunion and XXXX both denied my claims and they are in violation of my rights and of FCRA. I was told by both reporting agency that my information was part of their breach now my credit scores are affected and they will not do any thing to help me.
Consumer complaint received 2015-07-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY (TN)

In XXXX of 2012, I had applied for an Dillard 's store credit card. I had never used it. In early XXXX of 2013, I had lost my wallet at a movie theater. I reported the card as lost/stolen to Dillard 's and XXXX XXXX who the card was financed through. I did not want a new card as I was unemployed as of the end of XXXX 2012. 
Apparently at some point, this XXXX XXXX card was converted to a Synchrony bank card and there was a balance after it was reported stolen. I started receiving collection letters from a company called XXXX XXXX XXXX. They stopped collection after I sent a copy of the FTC Identity theft complaint to them and to Synchrony Bank. I had assumed everything was settled at that point. Now I am receiving collection letters from a XXXX XXXX, XXXX collecting on the same debt. 
XXXX XXXX, XXXX is not even licensed in the State of Tennessee for debt collection. I have filed complaints regarding this as well.
Consumer complaint received 2015-12-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (CA)

On XXXX/XXXX/15 I cancelled my internet service with XXXX. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I called XXXX due to bills received that did not reflect the final balance. Since then XXXX has sent my account to collections. I do not owe {$130.00}, my bill should not have been more than {$30.00} or {$40.00}.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX # XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, OH XXXXXXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX Balance : {$290.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NJ)

A payment was sent to Comenity Bank for the full amount of the monthly balance due on XX/XX/2022, but they did not apply it to my account. I had it disputed with XXXX bank ( See attached letter and outcome ). I made the full payment after they returned it to my bank account. Since then, they have charged me interest for XXXX months ( the second month on a ZERO balance ). I have disputed it with them beginning XX/XX/2022, been on the phone and writing in the message center- which is the ONLY way they accept written and documentation, but I have yet to get this straightened out after 2+ months of hours and hours, and days and days - speaking with multiple representatives of this company. They are fully aware that after they did a system update in XX/XX/2022, they have had multiple, and serious problems with their system - which still continues as of this writing and have not responded positively to me, or offered any recompense.
Consumer complaint received 2018-01-12
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. (PA)

XXXX XXXX XXXX XXXX shows on my Experian report with late shows and the loan was transferred by XXXX XXXX XXXX XXXX with out my consent or agreement or was not to my attention. I also did not agree or ask for no transfer in any way or ask. During transfer there was errors by XXXX XXXX XXXX XXXX  on there part in which caused a lot of errors and I disputed to XXXX XXXX XXXX and there was never any real reply to this issues. there was never documents provided to the issue nor any legal binding agreement to the issue when the disputes was filed. they never replied back as to XXXX never provided to me any legal documents showing any legal biding contract to terms and condition as stated by XXXX XXXX XXXX XXXX. 
Experian has on my credit errors I want remove or I 'm going to have to pursue legal issues on XXXX XXXX XXXX XXXX 
There also seems like a bunch of fraud in the act with out any binding agreement to transfer and changes with out notices and the credit report reporting while in transfer and dispute to why with no answer by XXXX XXXX XXXX XXXX nor ( XXXX ) as the original loan originator or what part they came in with out any notices or legal biding contract.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX  Balance details Paid off- Balance - Balance updated - Original balance {$120.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX details 0 % paid off Balance {$400.00} Balance updated XX/XX/XXXX Original balance {$340.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$400.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX Important dates Inquiry dateJun XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX  Important dates Inquiry dateJun XXXX, XXXX Removal XXXX XXXX XXXX Important dates Inquiry dateDec XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX Important dates Inquiry dateJun XXXX, XXXX Removal XXXX XXXX XXXX & XXXX XXXX Important dates Inquiry dateOct XXXX, XXXX Removal XXXX XXXX
Consumer complaint received 2017-12-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (TX)

I requested a wire transfer for {$120000.00} on XXXX XXXX, 2017 at XXXX AM XXXX for the closing cost of a house. There is a notice in Ally website that goes as follow : " Requests received or verified by XXXX pm XXXX, Monday to Friday, will process that same day. Wires received after the cut-off time, or on a weekend or holiday, will process the next available business day. 
We may need to call you to make sure you authorized this transaction. More than one business day may be required if we cant reach you for verification ''. 
Nobody contacted me from Ally to verify information until after I called them at XXXX PM XXXX. When I talked to XXXX at XXXX PM XXXX, he said that funds were going out today but that he could not give me a timeframe. I called them again at XXXX PM XXXX and XXXX, the supervisor, mentioned that wire was not going out today because it did not make the cut-off time and that there was nothing she could do because the department that handles the wires is closed until tomorrow. I have contacted Ally multiple times to resolve this but seems that Ally never had any intention of disbursing funds today and they shield themselves with the excuse that they were not able to verify transfer before cut-off time, even though they were supposed to contact me, and there was no way for me to reach out to them.
Consumer complaint received 2019-11-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX Send my LOAN TO SPS. XXXX WILL NOT HELP FIX THE PROBLEM! SPS IS NOT AWARE I AM NOT SURE HOW TO FIX THIS PROBLEM I SEND SPS ALL THE PAPERWORK THEY CAN NOT FIND IT. 
This is my I can't complain regarding XXXX Mortgage servicer. my first complain number XXXX XXXX - XXXX Why is closed by Consumer Financial Protection Bureau with a letter that was sent out by XXXX denial off the wrongdoing to my monthly payment. as of XX/XX/XXXX XXXX is still in violation a fair debt collecting Act, Fair Credit Reporting Act, wrongful foreclosure, and transferring my loan to Select Portfolio Services with incorrect information stop my taxes and loan history. 

I received a letter from XXXX which I am including as a PDF with this complaint XXXX did not fixed my property taxes according to XXXX County. 
I am including my new tax bill which is based on property value of {$790000.00} please look at my build that clearly states my property value is {$790000.00} Letter Dated XX/XX/XXXX send by XXXX respond to my complain with the Consumer Protection Bureau clearly states that my property value as the date they send the letter is {$1000.00}, XXXX NOT {$790000.00} I have paid my mortgage on time since XX/XX/XXXX intend never missed a payment because of XXXX negligence an unfair debt collection my credit score dropped 300 points and XXXX servicer refused to take my payments of {$4000.00} as of XX/XX/XXXX. I am facing foreclosure because of XXXX negligence. the new servicer has received incorrect information from XXXX transport in XX/XX/XXXX. XXXX 's liable for damages to me financially and I'm very much mentally stressed because of the situation it is hard to function on daily basis and it is giving me sleepless nights.
Consumer complaint received 2018-01-12
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. (WV)

On XX/XX/XXXX I received 20 notifications from my Equifax membership I pay for monthly. I then received many notifications from another credit monitoring system XXXX. These notifications were in regards to all of my XXXX accounts. Every single one of them. It stated Comments on your account changed from Charge, Amount in XXXX column is credit limit to Consumer disputes - reinvestigation in process This is what was written on ALL of my XXXX accounts. I called and spoke to an Equifax representative who said she did not see any open disputes from me, because I have never disputed any of my XXXX accounts. Theyre all current and in good standings - so I have absolutely no reason to dispute them. She assured me she would fix this and said it was an error on their end. After I spoke to the representative, I received email notifications from XXXX XXXX  stating all of my accounts from equifax have been removed! Over 20 accounts were removed! I immediately called XXXX to make sure all my accounts were fine. They had put a fraud block on all of my accounts because they said Equifax contacted them stating I reported fraud on all my accounts. I never ever reported fraud on these accounts! There was no disputes the Equifax rep could even find showing this. Luckily, XXXX was able to lift my block on all my accounts. Today, XX/XX/XXXX, I went onto my Equifax membership and got a new report and all of my accounts from XXXX are removed. My score has dropped tremendously. I am so upset regarding this!! My score dropped many points due to this ridiculous error on XXXX part. I have worked extremely hard on my credit and for them to completely ruin it by removing over 20 accounts, falsely reporting to the creditors claiming I said it was fraud, all of this is in violation. On top of this all, the continue to ignore my inquiries removal requests for the legitimate fraudulent inquiries. I want this fixed! I want my credit report fixed. You literally destroyed my entire Equifax report.