davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have credit inquiries that were deleted but re-inserted on my credit. I submitted a credit dispute but they have yet to remove the inquiries. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

In 2021 I traveled to XXXX for a couple months and was stuck there because of Covid and couldnt come back for several months and I let synchrony credit know I would not be able to pay off this credit card for 2 months which was XXXX and XXXX and they told me that it was fine and they would remove the late charges off my credit report which they did and after a couple months a came back on my credit report and Ive called them and they said they cant do anything about it now
Consumer complaint received 2016-09-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I have had a XXXX ( XXXX ) starting in XXXX. In XXXX XXXX of my Doctors ( XXXX XXXX XXXX ) stated that I was likely fully XXXX. In XXXX XXXX I was ruled by an administrative judge to be XXXX and eligible for Social Security XXXX. Veterans Legal Aid in XXXX XXXX Florida ( XXXX XXXX, XXXX. ) contacted NAVIENT but they have refused to discharge the loans as required under the law. The continued marking of my credit report as delinquent and and the large balance owed vs my poverty level income from Social Security XXXX leaves me very vulnerable to being unable to renew my lease in XXXX as these directly impact credit scoring. 

NAVIENT XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2018-11-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (WI)

I applied for a an FHA loan and they gave me a preapproval of XXXX then as soon as they got my credit card information and i put the deposit of {$500.00} they broke contact with me and revoked my loan approval on grounds of which were already discussed before they gave me the approavl which was my tip income not being counted. Then XXXX XXXX wrote me an email saying my credit ard would not be charged / I would be refunded the XXXX deposit as no services were received but yet they have failed to stop the payment charged on my XXXX credit card and I now have the charge showing as a payment due. the following is the response eail from XXXX regarding the XXXX deposit - On Wednesday, XX/XX/2018, XXXX XXXX CST, XXXX, XXXX XXXX wrote : Good Afternoon : Thank you so much for reaching back out to me. I am terribly sorry your loan is not moving forward and we have found ourselves in this position. Right now I can tell you that I will be digging into your loan application from start to finish to assess what happened and take corrective action as necessary. In regards to your deposit, I will be making sure we refund this to you in full. Right now there is a pending charge, but I will be having my accounting team remove that pending charge from your card. If you have any questions regarding this, please do not hesitate to contact me. 



XXXX XXXX Executive Resolution Advocate Quicken Loans Executive Office Direct : XXXX - Toll Free : XXXX ext. XXXX Fax : XXXX XXXX Every Client Every Time No Exceptions No Excuse
Consumer complaint received 2016-09-20
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Premier Portfolio Group (CA)

On XXXX XXXX, 2014, I received a PayDay loan from XXXX XXXX. I was unable to pay the loan off, since I have n't been working, due to a car accident. The loan was sold to premier Portfolio Group, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX, www.premierportfoliogroup.com. They have called all my references and provided them with details of the loan and they have threatened me with a law suit and the amount i will owe with court costs and attorney fees. I want them to stop contacting all my references and stop threatening me.
Consumer complaint received 2016-01-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Today I received in the U.S. Mail a letter from " Experian '' dated " XXXX XXXX, 2016. '' Under the " Address '' section of my " Experian '' credit report it lists a false address of " XXXX. XXXX XXXX ; XXXX, California ; XXXX. '' I have never lived in " XXXX, California '' nor I have ever own a " XXXX. XXXX XXXX '' in " XXXX, California '' nor anywhere else in California! I am the victim of Identity Theft. I had written to " Experian '' about " Deleting '' this " XXXX, CA '' false address over 30 days ago, all to no avail.
Consumer complaint received 2015-07-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (OH)

XXXX We did a 6 month same as cash with them while purchasing a pool from XXXX XXXX They sold our telephone number to XXXX or XXXX different companies. I received so many calls from random numbers it was insane. I called and had my number removed. I 'm still waiting for for {$500.00} credit that was on my account. I made the payment on XXXX XXXX, 2015 and called on XXXX XXXX and they said they would mail me the check and I would get within 17 business days. Called today, XXXX XXXX and surprised my check never got mailed. They are now telling me again it might be another 17 days. I have another call into management. I would never suggest this company or ever deal with them again.!
Consumer complaint received 2024-02-16
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-09-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (SC)

On XX/XX/2020, I received a letter from Financial Asset Management Systems Inc. ( FAMS ). FAMS was requesting money from student loan account that has been paid off. I contacted the company via phone on XX/XX/XXXX to discuss this request. I spoke to XXXX XXXX on this day. XXXX stated that FAMS acquired this account from XXXX XXXX XXXX and that they report to XXXX XXXX XXXX about money collection. FAMS stated that they had attempted to contact me. ( My address hasn't changed in years. My phone number has been the same for over a decade. ) She stated that she would make sure a copy of the master promissory note was sent to me via mail as confirmation of the requested money. I requested to speak to a manager so I could have peace of mind about the proof being sent to me. I spoke to XXXX XXXX, she stated that she would request a master promissory note from XXXX XXXX XXXX and then send it to me. I sent a letter to FAMS requesting validity of the requested money. I sent this letter on XX/XX/2020 with a certified mail receipt. 

I contacted the XXXX XXXX XXXX XXXX XXXX ( XXXX ) to verify this debt. The XXXX stated that XXXX XXXX XXXX ( XXXX ) has that account and that it was no longer in the XXXX possession. I called XXXX  to get proof of the account. XXXX  has not ever serviced this account. I asked XXXX  to search for me through social security number. They were not able to provide me with any reference to an account. 

FAMS never sent documentation of proof for the requested money. I requested proof via phone and via letter. 

On XX/XX/2020, my credit account was flagged because FAMS submitted the account as a collection. On XX/XX/2020, my credit score decreased 103 points. 
On XX/XX/2020, I disputed this on my credit report. On XX/XX/2020, the agency reported that the information was accurate. 

I contacted FAMS on XX/XX/2020 about them reporting this account to the credit bureau. Also, I told them I did not receive the proof of the account. I spoke with XXXX XXXX. She wasn't able to assist me so I requested to speak to a manager. I then spoke with Mrs. XXXX. Mrs. XXXX stated that she didn't know what happened to it being mailed to me. She stated client services will send the documentation of proof. 

I haven't spoken to FAMS or received any documentation from them.
Consumer complaint received 2017-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Credit & Collection Corporation (FL)

My mother and I have been receiving repeated phone calls from a debt collection agency.     When they first called me, they were looking for my mother. Then they called her and told her they were looking for me. When I called them, they wanted me to provide my social security number and date of birth, which I refused to do.     They claim that there 's a " personal business matter '' that they can not discuss without my divulging the personal information.     The company is calle d Global Credit  and Collections. They called from  XXXX .  <P/> My credit is clean. No collector should be contacting me about any debts.
Consumer complaint received 2015-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Solidus Group LLC. (LA)

XXXX XXXX of Delaware solutions contacted a family member and gave out my personal information, that has caused hardship with my family. Is this a violation of privacy and is there any recourse?
Consumer complaint received 2021-03-15
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. (NC)

your recent claim that closed auto loans for XXXX XXXXXXXX XXXX account # xxxxxXXXX, which you claim I owe {$13000.00} and XXXX XXXXXXXX XXXX closed auto loan account # xxxxxXXXX which you claim I owe {$0.00} has verified that the account they are reporting under my name is accurate. You continue to remove and add back and this is false information. I am keep documented communication from phone and letters. I continue to submit the documents of police report and affidavit. I sent certified USPS mail tracking number # XXXX.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

Inaccurate reporting by Equifax Legal Item XX/XX/2016 -- {$2000.00} Public Record Details Reference Number XXXX Court -- Date XX/XX/2016 Status -- Amount {$2000.00} Classification -- Type legalitems
Consumer complaint received 2020-06-21
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: STERLING JEWELERS, INC. (DC)

I have filed disputes based upon erroneous/incorrect items on my credit report so that those items can be removed. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-07
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. (DE)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-08-26
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: Rushmore Service Center, LLC (SD)

A man came to my grandmothers residence yesterday and asked for me. He said he had papers to serve me. MY grandmother told him I was working. After getting the call from my grandmother at work about this, I did n't quite understand because I have no debts. out there. Then a couple hours later the man called my cell phone twice. I answered the second time and he just kept asking for me but I did n't admit that I was who I was on the phone so he hung up. I googled the phone number he called from and there is a website that came up that state its XXXX I then XXXX the address listed so I could go there and try to figure out what this paper work being served to me was about. I go to the address and its a XXXX shipping store.. I called the phone number about 4 times before driving there and no answer. XXXX. After going home my grandmother said the man came again to her residence at XXXX at night and asked for me again. She finally told him that he was driving me crazy because I do not have any debt out there but she will take the paper work so I could be informed what this was about. So I drive over there and read the letter and it states that our local hospital here is taking me to court for not paying a {$600.00} bill from XXXX XXXX years ago. I live in South Dakota by the way. This sounds like a complete scam. Because XXXX XXXX years ago I was XXXX XXXX XXXX I did n't have any hospital bills from back then. Everything is just fishy with this.
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXXXXXX # XXXX -XXXX  # XXXX -XXXX # XXXX -XXXX XXXX  # XXXX ( Medical ) XXXX XXXX # XXXX -XXXX XXXX XXXX  # XXXX
Consumer complaint received 2019-10-23
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)

To whom it may concern : THese accounts do not belong to my, and needs to be remove from my credit, I have been victim of identity theft due to pass and recent data breaches my information had been expoused resulting in this fraudulent accounts.
Consumer complaint received 2016-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Hillcrest Davidson & Associates (NM)

Calls are being made to an public office phone, frequently and repeatedly after being told it was a business phone, requested calls only be placed to home/cell. Sent cease of communications, The company is based in XXXX TX. it 's Hillcrest/Davidson and Associates XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX the account in dispute is going to legal action as the contractual period for the alarm company had expired.
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (SC)

I was trying to get a loan thru my bank and was told they could n't access my equifax report. So I called equifax and after being on hold for over 2 hours and transferred an got the run around I was told to fax my license and SS card because I had a sercuity freeze then wait 48 for them to get around to looking at it and removing the freeze. Well almost a week later when I still could n't access my report I was told I have a lock and my social sercuity number was removed off my name and would take 48 business hours to remove th lock that was stated in 2008 that was suppose to be canceled the same year. So I called today and now thy said it could be another 30 days to remove this control lock. Really?! After another 2 hours on hold and transferred all th place I get this.. How hard can this simple thing be to remove a lock and my banker be able to check my credit! You have no idea my frustrations with this process!
Consumer complaint received 2017-03-08
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: First Direct Lending, LLC (TN)

I keep receiving notices for reducing my mortgage from multiple companies that have apparent information regarding my credit and mortgage loan amount. Several of the fliers have " last notice '' on them. First direct lender sent one with a number to call to Opt out of these notices, when I called the number they wanted my social security number and it was a mortgage company. The number they listed was XXXX, if this was an opt out number why would it be a mortgage company?
Consumer complaint received 2021-06-06
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. (OH)

This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX XXXX # XXXX -XXXX  # XXXX -XXXX  # XXXX -XXXX XXXX # XXXX ( Medical ) -XXXX XXXX # XXXX -XXXX XXXX XXXX  # XXXX
Consumer complaint received 2016-09-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

On XXXX/XXXX/XXXX my checking account and linked savings was loved by Wells Fargo. My account number was XXXX I was told my account was closed by loss prevention because of fraudulent activity on an account in XXXX. The account in question from XXXX, was reported by myself to Wells Fargo fraud department/phone number. My previous account had checks missing, so I reported this immediately. However despite funds being deposited in the account, a previous drawn check, had been deposited the day prior to myself contacting Wells Fargo about the missing checks that had been taken by a former housemate, as I was then in the process of moving. This freeze on the accounts funds, caused the check written and deposited in to a account at a different financial institution to be returned. This was an account at XXXX Bank XXXX # XXXX Acct XXXX, which was reported on XXXX describing exactly what I have stated for the reason I am presently describing.
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2023-04-14
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. (FL)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation