davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
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: EQUIFAX, INC. (LA)

I feel these accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the Better Business Bureau since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 50 days, so they should be erased immediately.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

Tried to update by calling directly. Always answered by a person who's voice is not compatible with telephones, as such I could not understand the questions - thus the problem though they did try to help. 
Address and other personal data needs to be updated. 
Info listed in fair resolution window.
Consumer complaint received 2022-12-14
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. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and discarded : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp. (TX)

I created a dispute XX/XX/2017, under the assumption that the account was older than 7 years from the date opened. However, after the dispute, I learned that it's the date from the first delinquency which is XX/XX/2017. 

After completion of the dispute. United Auto Credit purposely supplied incorrect information, in the form of an update. United Auto Credit falsely reported update as the first date of delinquency being XX/XX/2017 ; whereas before it was documented as XX/XX/2017-which is also wrong. 

Also, United Auto Credit removed charge off status and updated it as open. The account has been closed since XX/XX/2017 ; aside from verbal confirmation, I also have emails confirming date of XX/XX/2017. 


I called and spoke with a supervisor by the name of XXXX, who advised was not United Auto Credits ' fault, and that it was XXXX fault. XXXX mentioned a Metro 2 file? and its accuracy, and that it is totally XXXX fault. 

I called XXXX, who advised was not inputted wrong ; and was actually the response from the creditor. It was the creditor who supplied the incorrect information. 

United Auto Credit understands that I do not possess the funds to pay them ; and reported the information to negatively impact me ; in hopes of coercing a settlement. 
When I called XXXX he stated since there was nothing I can do if I would like to settle for deletion of {$1200.00} ; then sent a form that stated settle to update the account as paid. 

When I advised of the error, he advised unable to delete-and offer was no longer on the table ; he also refused to send copy of payment history or copy of the contract ; after a couple of calls he finally sent documents. 

XXXX stated he would send to credit dispute department, but would not provide a date investigation would be complete ; and would not supply a contact number to check on status of the investigation.

I have placed multiple calls requesting confirmation of the investigation, and have not received any help. 

Also to add they have been reporting the wrong balance per payment ledger, the ending balance is {$4100.00} I am scared to dispute the account again, as they may report more erroneous information that will negatively impact my score.
Consumer complaint received 2021-07-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was told by a XXXX  represenative to call back on XX/XX/2021 for statutus of an existing dispute filed XX/XX/2021. I called in today and the customer service agent hung up on me after I asked for information of the dispute status. The agent refused to give me any information and told me to resend all documents to start a new investigation. I have sent in proof of FTC report with id, social and all required dispute letters. I have been going back and fourth with XXXX  for 6 months now and each time I ask if the items were 100 % verified with proof of all required documents due to me being a victim of identity theft they never can provide an answer. By Federal law each credit bureau is required to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, THEY MUST VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. XXXX  have not provided me a copy of ANY original documentation required under sec 609 ( a ) ( 1 ) ( A ) ( A ) consumer contract with my signature on it. ACCOUNT DISPUTE # 72052 AND DISPUTE ( XXXX XXXX ). I SENT MY IDENTITY THEFT REPORT FOR BOTH ITEMS.
Consumer complaint received 2020-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX I called Capital One about getting the rest of the money in my closed account sent to me. I never recieved the check so I called back on the XXXX and they said they would resubmit it and again on XXXX. I had still not received anything so I called again on XX/XX/XXXX. They told me the would put in another request and I would get information soon. I called 3 more times that week to speak to supervisors who all told me to keep calling back and theyll have information and they dont. XX/XX/XXXX I called again and was told a team would reach out to me about it and it is now XX/XX/XXXX and I havent not heard a single thing and when I called again today I was just told to call again sometime this week. This behaviour is literally disgusting. I am struggling to live and pay my bills and I have waited over 2 months now to receive MY money. I am at my wits end trying to figure out what's going on but they're telling me it could be weeks before I find out. They are also denying that requests were made in XXXX when I talked to THREE different managers about it. They are mismanaged and unorganized and I was flat out lied to by multiple managers about when I would be receiving information regarding the check and when I would actually receive it.
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX - XXXX XXXX XXXX XXXX called me and claimed to be Care Credit. They asked for my account # over an automated line but I refused to give that info. Then a live person answered the call and asked for my social security number after reassuring me they were Synchrony Bank Care Credit. I refused again to give this information to them and they said I had a payment issue with 2 payments on my account. I called the real synchrony bank from a number that I know is safe and they shut down my account number just in case and are sending me a new card in the mail. The scammers from the TX number seemed to be able to see my account but nothing was charged. I will block their phone number.
Consumer complaint received 2021-11-05
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. (PA)

This is a new complaint I am filing regarding Equifax credit bureau for verifying inaccurate information appearing on my credit report. 
The dispute pertains to a120day late payment being reported by XXXX XXXX # XXXX in disregard of Metro 2 reporting guidelines which furnishers of consumer credit information must use. 

Metro2 provides no codes that would enable collection agencies/debt buyers such as XXXX XXXX to report late payments. 

Additionally, I have never had an account with XXXX XXXX that would enable this company to report late payments on my credit report. 
Therefore, I disputed this information under FCRA 611 and Equifax wrongfully verified it.I believe it could have been facilitated by an automated response system.

However, I am keeping careful records in case I have to pursue legal remedies. 
I want this erroneous, inacurate information DELETED immediately.
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (OH)

I have previously disputed with National Credit Systems that the debt they claim is mine isn't. I have been successful in having this item removed by XXXX. I am still fighting with XXXX  and XXXX. I have contacted National Credit Systems about this debt and they refuse to listen to me.
Consumer complaint received 2021-06-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: DAS ACQUISITION COMPANY, LLC (OH)

We were pre-approved for an fha loan by a lender at USA mortgage in the beginning of XX/XX/2021. We were sent a pre-approval letter as well as our realtor thay was assigned to us by the lender at the company. We were told to go and make offers and find our home. We look for weeks, looked at many homes found one, made an offer didn't get it. We kept looking then we found the one. Made the offer told the loan officer about it he gave us number like what to expect for mortgage payments and such and then our offer was accepted. Now we are at the end of the closing process and the lender calls abd says there is an issue on the XXXX report. Not denying there is, however, we asked why this report wasn't ran wheb we were pre-approved and were told via text message, " a XXXX report can not be ran until a fha case number is assigned and in order to do that you need to be in contract '' so my grievance is : we were lied to about the XXXX report not being able to be ran, we were told to get into this binding contract and started packing and investing money into loving into this home and USA mortgage is the reason we entered the contract in the first place. I fear litigation charges from the seller as they called weeks ago told us there was an issue. Called right back within 5 minutes and said they were mistaken everything was fine, then last week they finally ran the XXXX  days before closing.
Consumer complaint received 2020-05-03
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: OPORTUN FINANCIAL CORPORATION (FL)

My complaint is about Oportun / Prog, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize two inquiries on my XXXX Credit Report on XX/XX/2019. Please remove immediately. 

Oportun/prog Inquiry from XX/XX/2019 Oportun/prog XXXX XXXX, CA XXXX ( XXXX ) XXXX Oportun Inc/ Oportun Inc/ XXXX XXXX , CA XXXX Inquiry from XX/XX/2019 XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2020-09-11
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. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

This complaint is about a Fifth Third credit card Three months ago they charged me a {$1.00} fee and a {$29.00} late fee. As I have not been late with a payment in over 40 years of credit history I called them to determine what had occurred. They advised that there was a " glitch '' in the system and that not just me, but all of their consumers had not received their e bills that month. They apologized and refunded the late fee and the {$1.00} fee.. I made a formal complaint and received a written response from XXXX  XXXX at the Office of the President dated XX/XX/XXXX apologizing. 
The following month I received another {$1.00} fee. I called to determine what this was for and the CSA advised that my payment was late. As I paid the bill THE MINUTE that I received the email notification that it was due, I was stymied. The CSA advised that it takes them 5 days to process online payments and thus the payment would be late. I responded that obviously then they are sending the e bills out too late if there is no way to pay the bill on time, even if paid within minutes of receipt. I began to understand that this is not in fact a mistake but an unethical ongoing practice. They once again apologized and reversed the fee.. 

For the third month is a row I received a {$1.00} fee once again on my statement. This time I was told that it was " interest ''. I advised that I had an interest free offer until XX/XX/XXXX and should not be being charged any interest. The CSA had no explanation. I asked to be transferred to a supervisor and I was advised that no supervisor was available. The fee has not yet been reversed although the CSA advised that it would be. A new statement is arriving by ebill on XX/XX/XXXX and I have no doubt that once again there will be a {$1.00} fee. If they are doing this to each and every consumer they are stealing a great deal of money, now in a pandemic crisis. This is clearly an unethical policy and NOT a series of mistakes. The other consumers that are more overwhelmed and diligent than myself probably have no idea that this is happening to them. I am thereby making a formal complaint and requesting that you launch an investigation into Fifth Third. All fees extracted from consumers should be returned to them as well. Thank you.
Consumer complaint received 2022-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MD)

I have had following 3 loan # s in COVID-19 related forbearance with Mr. Cooper/Nationstar Mortgage with the unpaid balances as follows : # XXXX for {$360000.00} ( primary residence ) # XXXX for {$110000.00} # XXXX for {$120000.00} I just finished trial payments and was approved for a loan modifications for all 3, however the Mod. Agreements they sent me had a paragraph that basically directs me to transfer leasing authority to the lender even if I'm not in default. 

I called the Customer Service on XX/XX/XXXX and the rep. agreed that the language needed to be added and stated that I should add the statement about applicability only if I'm in default which is what I did. However, a week later, they sent me a note saying that I either need to sign the agreement as is w/out any changes or face foreclosure -THIS INTIMIDATION WHEN THEY MADE A MISTAKE, IS NOTHING BUT PREDATORY LENDING! 

Yesterday, I called the service again and followed up with an email below. Today I called them and told them that if I didn't receive a written confirmation of what rep told me over the phone, I would be filing a complaint w/CFPB. 

They have not responded since and the pmt is due tomorrow. 

-- -- -- -- -- Forwarded message -- -- -- -- - From : Luxury Realty XXXX Date : Tue, XX/XX/XXXX at XXXX PM Subject : URGENT : Loan ( # XXXX ) Modification Agreement language To : XXXX Hello, I'm contacting you regarding the ticket # XXXX that I received via secure Message Center in response to the issue I reported on XX/XX/XXXX w. the Modification Agreement I signed. Specifically, Section 6 ( g ), paragraph 1 implies that Mr. Cooper can take over existing leases or execute new ones, regardless of whether my loan is in foreclosure status or not.

I called the Cust. Service on XX/XX/XXXX about this issue and the rep agreed that the language should indicate that paragraph being applicable only if I default on the loan and told me that I should add that statement and initial it, which is what I did the same day ( see attached ). 

I just got a letter stating that the agreement language can't be modified so I called again and the rep confirmed the same, but also confirmed that Mr. Cooper would never try to change any existing leases or start new ones unless I was in foreclosure. 

Verbal confirmation is great, but I need someone to respond to this email stating the same in which case I will send back that page w/out my handwriting ; basically something that tells me that my current tenants are not going to be asked to leave or I'm told that I need to lease the property to a new tenant. 

Same exact issue exists on agreements for my other 2 loans, but a single email or letter ( if that's easier ) that states that Sec. 6 ( g ) Paragraph 1 is applicable when loan is in Foreclosure status will be sufficient. 

Thank you. 

XXXX XXXX
Consumer complaint received 2021-11-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (CT)

I have a past due balance with Sallie Mae however I have been making {$200.00} a month payments. Sallie Mae is still calling me every day and also emailing me. That is abuse. I cant give Sallie Mae any more money than I have. Everyone has been affected by the coronavirus.
Consumer complaint received 2021-07-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

To : Experian Credit Bureau From : XXXX XXXX XXXX XXXX Subj : Reason for XXXX FICO Score Note : This has nothing to do with an investigation, per se, there aren't enough selections to choose from that fit my complaint. This is about correcting my FICO score to fit my credit report that is EXCEPTIONAL> To whom it may concern, I am writing you today for an explanation on why my FICO score is at XXXX? According to my credit report, I am an exceptional consumer : I have no late payments, I keep my credit usage low, and I have no derogatory items. This is an example of an exceptional consumer according to your website www.experian.com. According to my credit report, I am an exceptional Consumer. 

FICO Score XXXX : What's a Great Credit Score? FICO is transparent about the variables that make up your score. Here are the five factors considered in your FICO score : Payment history : 35 % Credit utilization : 30 % Length of credit history : 15 % Credit mix : 10 % New credit : 10 % XXXX XXXX XXXX XXXX I used some examples of articles to understand credit rating and what determines an excellent FICO score. On my credit reports, I fall under all these qualifications that make up an exceptional consumer. 
I want to understand what do you use to determine a consumer 's FICO score? It seems there is a big difference in what Experian is reporting from the other two. I looked at all three of my Credit reports and the data is pretty much the same. 
My question is : What data from creditors do you collect to determine a FICO score? What algorithms do you use to determine a FICO score? Can you provide how your algorithms calculate a FICO score from what data they use on a consumer? Are you using any demographics to determine someones FICO Score? For example : 1. Race 2. Age 3. City and state 4. Sex 5. Religion 6. Political Affiliation These questions are being asked to understand why an exceptional consumer, like myself, only has a XXXX FICO when my history should show otherwise? I did not work hard to pay my bills on time and keep my credit usage low to not benefit from my hard work. Therefore, make me understand how I have such a disparity from one credit bureau to another? This doesnt make any sense. 
Equifax shows that I have an XXXX FICO, which is a XXXX point difference. That is a HUGE difference if all three reports show the same data. This must be fixed. 
This is what I am requesting and this is what I need to be fixed. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2018-06-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called Transunion Credit Report Agency to notifiy that someone used my information and pulled a hard copy of my credit in two ocassions. My concern was aggravated when I noticed and confirmed that my call was being taken overseas. The Customer Service rep couldn't understand my request and the severity of my case. I asked for a supervisor or to be transferred to a US office and I was told " Transunion in United States was closed at this time. '' I gave my name, SS, DOB and address multiple times to people across the globe. 

No wonder the whole country 's identity is being stolen. 

How is Transunion allowed to handle personal informaton across the world? I need someone from the US Goverment to look into the security and handling of private information and the ability to STOP and solve this credit matters.