davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-27
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. (GA)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Consumer complaint received 2017-08-03
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: Experian Information Solutions Inc. (NC)

I have tried to dispute the credit report several times! Even as of last month! There are two things that are on my credit report that is showing up and stopping us from getting credit! They were included in our Bankruptcy years ago! Please help they should be off!
Consumer complaint received 2018-03-30
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. (WA)

XXXX2018-present Equifax has admitted that they imputed the wrong information under my social security and froze my account when a mortgage lender tried to check my credit. I have called and sent current documents every day sense last Monday but no one will tell me if the documents were received and how long this will take. It is causing stress as my family and I have already put in an offer on a house.
Consumer complaint received 2018-07-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

Equifax dropped my credit score 100 points and will not tell me why- for over six months hard inquiries were on my report and did not effect my score also they for mtge requests apparently from a real estate broker who had my personal information. I think from the beginning all these requests were approved although I was never a party to this answer. after a XXXX phone purchase and furniture credit request with XXXX the report was then effected. Equifax says XXXX XXXX determines score and XXXX XXXX denies this. No one can tell me how to improve this score in real time
Consumer complaint received 2020-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

XXXX Initial complaint filed over the phone. NewRez/Shellpoint is incumbering property tax and insurance payments from my checking account for my mortgage property located at XXXX XXXX XXXX XXXX # XXXX, XXXX CA. They are not paying my taxes promptly. This mortgage financing company is fraudulently taking insurance payments from my checking account when they clearly know I have purchased property insurance already. I would say they are embezzling my funds. Now they are trying to increase my monthly payment by {$400.00} because of an increase in insurance payments. This is fraud. They knew I had property insurance already yet they continue to take money from me for property insurance. I want them to stop taking money our of my account for property taxes and insurance effective immediately. I also want to be reimbursed for the unnecessary payments I made to their company.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

About a year ago I brought the problem with this company to your attention ; Experian is constantly reporting late or incorrect. About 45 day ago I paid off all my debt. The payoff where submitted to all the credit burls on the same day. XXXX   and XXXX are reporting my score is the 700 's, but Experian is reporting XXXX. I'm not sure if this is race base or anti military I just tired to trying to make a purchase and have to pay more for the purchase because of incorrect reporting on Experian behalf. 

Experian is report ( 4 ) item 's that effecting my score, as follows 1. I have serious delinquency or derogatory indicator, public record and/or collection on my credit report.

2. I have a recent public record and/or collection on my credit report.

3. The remaining balance on my mortgage or non-mortgage installment loans is to high.

4. I have few accounts that are in good standing.

My rebuttal to these incorrect report lines ; 1. 45 days on the letters that the other reporting agency have record it.

2. I have paid off all my debt there was a dismissed bankruptcy that is on the report.

3. I don't have a mortgage yet " there statement is out right lie ''!

4. All my account are in good standing " another outright lie ''! 

Inclosing I returned from XXXX in 2008 and would just like to move on with my life company like Experian has made this more difficult. I just want to have them report the right way so I can achieve my goals.
Consumer complaint received 2017-08-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc. (NJ)

On XX/XX/2017 I applied for a used car loan with XXXX a division of Santander. The loan was approved ; however I did not agree with the terms of the new loan and asked for it to be withdrawn. Each day since I would receive a phone call from XXXX ( XXXX ) telling me I was approved ; I would express again that I was not interested in the loan and asked to have my application withdrawn. One XX/XX/2017 I received a call from XXXX XXXX, a representative of XXXX. He stated that my loan was approved and went over the terms again, I explained that I would be waiting a couple years to buy a car as I just finished a Chapter XXXX BK and wanted to get better terms and again asked to have my application withdrawn ; at this time XXXX XXXX become rude and aggressive. I also asked if it were possible to have the multiple inquires from XXXX and Santander removed from my credit report to which I as met with more aggressive actions of " Maybe you do n't know how credit works but when you apply for a loan the inquiries stay on your report '' and then proceeded to hang up without properly ending the call.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

In XXXX of 2019 I submitted a payment of over {$4000.00} to XXXX XXXX XXXX. Said payment was misapplied and I was told that the problem would be remedied. It was not or at the very least, not in a timely manner. This caused my account with them to have several late payments and fees as the amount I was paying didnt cover the amount they thought I should be paying. I have had several accounts with XXXX XXXX XXXX for over 17 years and until this, had a stellar credit rating, This error has resulted in my credit score dropping by almost 100 points in three months.
Consumer complaint received 2020-06-27
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. (GA)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Consumer complaint received 2017-04-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: VNU Group, LLC (IL)

Received call form a unknown co. called  XXXX  on   XXXX   XXXX   XXXX     trying to collect a debt they say I owe. Tried to tell them I do not know how they are, so they sent me an  XXXX   XXXX , wanting all kinds of personal info on me, Police said not to fill out and report them.   XXXX   XXXX   rec letter saying I had not sent back in Fraud packet and so my debt was now past 60 days overdue and now I owe them {$600.00}. For what is not known. Have never recd. a bill just a collection letter .... Also this company seems to us e Pacific Credit Grp LLC to service hem. This Co.  had a Co Called  XXXX   XXXX .  XXXX  to do a soft cree credit check on me on   XXXX   XXXX   from Florida. On same day form   XXXX   XXXX   CA,  Pacific Gredit Group also did a credit check as a credit review on me from the    XXXX  address at  XXXX .  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX  in   XXXX   XXXX  .CA.  XXXX  The number online there is listed as  XXXX  as listed later on the letter of saying I need to make payment arrangements. However they send correpondence form a  XXXX   XXXX   XXXX  in  XXXX   XXXX , CA  XXXX  saying they are   XXXX   using a number registered to  Pacific Credit Grp LLC,  as  XXXX  They also sent a so called payment portal address to send any money to as  XXXX
Consumer complaint received 2018-03-30
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (LA)

I have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX  credit file datedXX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX  on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Email : XXXX XXXX
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Presto Auto Loans, Inc. (AZ)

Presto Auto Loans is reporting a title loan to my credit report, I did not authorize the company to report this to my credit. The information reported is incorrect and I have requested multiple times for this to be removed.
Consumer complaint received 2017-08-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (IL)

Chase accepted, never refunded my cash, never answerer n good faith my complaint to, the cfpb n that 's like being guilty, using foreigners n another world with possession of my data, is like commercial activity, fsilure to controvert what I alleged repeatedly is deception in banking also denial of loans to unlike other banks chase is a scam artist sending computer generated documents instead of registering as debt collector and by law answering too the cfpb files I pursued instead retaliation vs my mom n their banking'3party, syndicators'chase collectibles, is a very immense sneaky little trick my mom is was POA, n they fig going after her would back me off XXXX chase! their arms had signs n were 'tethering my card by skim yet not giving cash back on those days, returning later my cash was gone .plus online transactions denied I was never refunded never got merchandise n still nothing from chase chase sucks XXXX, n must be severely monitored with how it handles cash n tjat I scam pitch 's pending'is true fraud .for real it 's gone, then thev'ropeadope '' they say ai n't giving it cuz, its all foreigners n breached ATMs, n credit card cracking fraud n much more chase is involved with allowing'nonmatching, name transactions to occur online often n still no refund so yea, I would n't answer to cfpb either their pitiful deny me access to my files n gov, complaints vs hateful groups of lending certain banks like XXXX with costs bikes up north on XXXX XXXX tell u it approved for a bank loan for bike n deny u bike until card comes? unreal like no XXXX XXXX XXXX XXXX loan at all, a and the XXXX bike is raggedly scratch filled hesitant overpriced raggedy, tires too chase something .claims this n that but..it 's aside get locations r nasty. No bike ramp, doors broken unsecure, atms, jammed, skimmed, wjike chase let 's customer loose n Teaches it 's XXXX guys working to snatch the card cut it up n throw it away cuz it 's evidence, as they input piece meal notes like '' covering their tracks in the act of unlawful taking my trust funds .living n letters '' research? " they fraudsters! shut, investigate, staybon chase period their retaliation vs my mom XXXX '' their 3party syndicated groups on my mom to retaliate is heinous XXXX XXXX XXXX chase n chase receivables whom disclosed my mom 's debt to 3party which voided the debt plus they violated the statute with debt collection under USC 42_1692section they all do screw XXXX looser
Consumer complaint received 2023-01-27
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-05
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. (NC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PREMIER XXXX XXXX  XXXX
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (FL)

In XXXX XXXX XXXX XXXX divorced XXXX XXXX XXXX and in XXXX without my knowledge he was able to obtain a second mortgage for my home that was quit claimed to me on my divorce decree. Subsequently the loan is in default and nationstar is refusing to give me the pay off amount I have requested it several times and was not able to obtain it since the mortgage is not in my name the second mortgage was done and obtain by XXXX XXXX XXXX without my knowledge nation star has refused to speak with me. the home is now in foreclosure and it houses my business which consists of 5 persons with XXXX.
Consumer complaint received 2018-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IL)

American Express has a promotion ads on their website as " Refer-a-friend to the XXXX XXXX business card and get a bonus XXXX XXXX points ''. On XX/XX/XXXX I used their link to send out an invitation to one of my friend. And he used the link in the invitation email to apply the card and got approved the same day. 

So far I have not received any bonus points. I did multiple times of online chat with American Express. So far I have not results yet. 
On XX/XX/XXXX, the first agent collected all required information and opened an inquiry case for me and said " The standard time frame is 6-8 weeks, however it may be resolved sooner than that. '' On XX/XX/XXXX, the second agent said it is not 8 weeks yet, please wait. 
On XX/XX/XXXX, the third agent told me the max time is 8-12 weeks and please contact us after XX/XX/XXXX and we will let you know the status. 
On XX/XX/XXXX, the fourth agent told me the investigating is still on, please keep waiting. 
On XX/XX/XXXX, the fifth agent told me " I see the case is open, I am forwarding the case to be resolved and you will see the outcome in next 7 business days. '' On XX/XX/XXXX, the sixth agent told me " I can ask the supervisor to send an email again to the team to have the status checked an notified through a call however we are already working with the team to have the status shared with you '' After many months waiting and chatting with 6 agents, I still have no idea what is happening. All I got from American Express is " Please wait '', and it is way over their " Max time frame ''.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Attached is an identity Theft Report with fraudulent accounts reporting on my TransUnion credit report. And listed below TransUnion Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$840.00}
Consumer complaint received 2022-06-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MI)

I've requested a Validation of the alleged debt from Midland Credit but to date, have not received the requested information. I would like a full breakdown of the amount allegedly owed, proof that this company is licensed to collect on this alleged debt in my state, proof of my digital or wet signature used to open this alleged account, as well as proof of my consent to have this company report this alleged debt on my credit reports. If company CAN NOT provide all of the requested information, please delete this erroneous account from my credit reports so that it may no longer cause me financial harm.
Consumer complaint received 2021-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc. (WA)

On XX/XX/ 2020 I made an online ( XXXX ) payment to my medical account with XXXX XXXX XXXX in the amount of {$190.00} by debit card. The account payoff was for my guarantor account # XXXX, which includes several invoices all tied to my guarantor #. In XX/XX/2020 I received a notice of collection from Central Portfolio Control ( CPC ) for {$120.00} for the same account that I paid XXXX months earlier, I asked for details of the collection which they would not provide - so I contacted their corporate to no response, and filed a XXXX  complaint. I also contacted XXXX to ask about my paid off account, they said that my online payment was not distributed correctly to pay off my invoices ( internal issue ), where one showed a credit and the other showed a balance owed. XXXX did not distribute the payments, stated they would make the correction and contact CPC to pull back the collection notice. That was completed and corrected in XX/XX/2020. On XX/XX/2020, CPC files a collection on my credit for this same issue from 2020. I have already remedied through XXXX where XXXX confirmed the debt is not collectible as it was paid in full to Highline in XX/XX/2020. Details, dollar amounts, etc. are all identical to their previous attempt. I need this remedied again with CPC as they are asking for additional payment on something Ive already paid and closed with the original creditor, XXXX XXXX XXXX.
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.