davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I went to XXXX for a free consultation on my XXXX  to possibly purchased some XXXX   from this particular XXXX  located in New York who has also an office at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. During the consultation with a salesperson who took photos and information on my behalf I was told that I could get a loan for {$1800.00} from XXXX a company who gives loans to purchase their products. I was reassured that I was not under any obligation until I would get my XXXX XXXX evaluation. A few weeks later I got their results and I was told that XXXX would not make a difference on my XXXX. Obviously I decided NOT to purchase the product and in fact I never ordered it nor did I ever received it. 
Nevertheless XXXX and XXXX fraudulently made a loan ( see the many bad reviews on XXXX  ) which I did not authorized. I called them multiple times and tried to send emails but it could not reach them. I did not want their loan. I never authorized it. I did not want their product after the consultation nor did I received the product, regardless I have a loan with XXXX  showing on my credit report as a thirty day late from that loan
Consumer complaint received 2020-01-18
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. (PA)

I have a Hard Inquire on my credit report from this credit card company that I did make. I believe it was done fraudulent and I would appreciate it very much for them to remove it.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Received a credit card for Bank of Americas I. The mail which I never signed up for. When I called to inquire, possibly being a victim of identity theft, their automated system was no help. In fact, I believe they took my call as an activation call and activated the card. Again, I never signed up or have never signed up for a BOA card and have since cut it up and discarded it into the trash. But, I dont want my credit score affected by this!
Consumer complaint received 2020-01-18
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report.
Consumer complaint received 2020-01-17
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. (NJ)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

On XX/XX/2019 I tried to pay off my account in full and used the balance after payment posted. At the time I didnt know my Bank had an Stop payment and all checks returned unpaid, reasons why the stop payment was placed is unknown. My account went over its limits and since I didnt know what was going on with my Bank ( at that moment ) my only choice I though had was adding on my account to a Management Payment Program which I tried. XXXX XXXX XXXX agent called me and told me Discover didnt accept their proposal and reason were I was part of an internal program ( which wasnt true ) so I told them I was gon na call Discover. 

Around XX/XX/XXXX I spoke with a Discover account specialist and asked her about this. She told me the Management Payment Program wasnt a trusted Program and that was the reason why they didnt wan na work with them. She told me Consolidators let the account go delinquent and then they buy out its debts. For my understanding I believe Discover didnt actually know what kind of company was XXXX XXXX XXXX. Ive been working with them for a couple of years because a debt with XXXX XXXX  theyre handling for me. I asked her to take a payment on my Discover account and she said she couldnt because my account had the working with consolidator status on and advised me to send a letter to Ohio to have it removed so they will accept payments from me. 

So I went back to XXXX XXXX XXXX and they told me they cant add the account to the program again since it was recently rejected, They didnt give me an option other than send that letter and deal directly with Discover. When I spoke with Discover rep she also told me someone will contact me after receiving the letter, but no one did, or at least they tried once but called a number I didnt have on service. Around XX/XX/XXXX I saw a change on my credit report stating I was 30 days late, which technically is true but not fair since I was waiting for my account to be changed from working with consolidators to I can make payments. 

So, for all this misunderstanding and others details Im willing to explain over the phone with whoever is handling this request Im asking to kindly remove this delinquent from my credit files so I can enjoy my credit worthiness at its full and restore my buying powers I had before this negative remark on my account.
Consumer complaint received 2020-01-18
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. (TX)

I disputed a Bankruptcy on my XXXX Credit report. They mailed me the results on XX/XX/2020, report # XXXX and said it was verified. They said it was verified with information obtained from their third party vendor XXXX. I sent my letter from XXXX where they deleted the Bankruptcy because it was Unverifiable. There is no way XXXX verified this information.
Consumer complaint received 2020-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

The loan servicer, Navient, began billing me for loans while I was still in school ( when the payments were supposedly deferred. After learning about this almost 4 months after the initial bill was generated, I contacted Navient and they ask that I provide proof of enrollment. I provided the required documentation from my school. After doing so, instead of rectifying the billing issue, Navient rolled up the 4 months of " past due bills '' into my existing school loans and then capitulated the loan ( charge interest on the interest amount plus principal ). This happened on at least two different occasions across multiple school loans, and has added several thousands of dollars to the principal and interest loan amount through no fault of my own. When I attempted to address the issue with Navient, I was told they were not able to help me.
Consumer complaint received 2020-01-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

We have taken over my mother in laws mortgage when he past away. We received numerus notices that she was behind on her mortgage and foreclosure was starting. However the statements would say her payment was received late but not missed. According to her bank statement payments were sent soon enough but not posted until the XX/XX/XXXX so a late fee could be put on account. since then they have done the same to us. If we pay total amount due the following month we will notice that fees are applied but not sure for what. They have charged fees ( $ 80- {$100.00} ) saying people are checking on the property to see if anyone is living there. The math on the statements and late notices do not add up correct. ( example ; mortgage payment of {$720.00} was not received if not received by XX/XX/XXXX a late fee of {$27.00} will be assessed and total due is {$920.00} ) or same but with a ( mortgage payment of {$690.00} with late fee of {$0.00} with new payment of {$750.00}. ) late fees seem to not be consistent month to month and applied whenever they want. 
XX/XX/XXXX Statement does not match tax statement sent out. When I have called to try to talk to them and read their letters or point out an error I get cussed at, put on hold for a long time then when they get back on the phone they want to transfer me then hang up. When payments are made over total amount due over payment is not applied to account and when we call and ask they tell us they can apply money where they need to. These are just a few issues we are having. I have asked where to send the paperwork to for review and was told if the have time they might look at it or I can drive to the office and sit and wait for someone. No office is around us we live in Georgia ( this has been going on for several years ) This company is rude and is stealing money from people and you can not work with them.
Consumer complaint received 2020-01-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lake City Credit (MI)

End of XX/XX/XXXX, Lake City Credit called saying I owed {$2000.00} to " Mastercard ''. I told them I do not have a Mastercard nor had I ever had anywhere near a {$2000.00} limit on any credit card. They told me that the debt was from XXXX. I informed him if that was true, the statute of limitations is 6 years in Michigan ( where I live and have lived since XXXX ). He told me that's not how this works and that I needed to pay or they would sue. I told him he could contact my attorney and he hung up. Since then they have sent letters to my mother 's house. I do not live there or even within a few hours of her house. I do not know what the letters say.
Consumer complaint received 2020-01-18
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. (TX)

I disputed a Bankruptcy on my Experian Credit report. They mailed me the results on XX/XX/2020, report # XXXX and said it was verified. They said it was verified with information obtained from their third party vendor XXXX. I sent my letter from XXXX where they deleted the Bankruptcy because it was Unverifiable. There is no way Experian verified this information.
Consumer complaint received 2020-01-17
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: Credit Management Control, Inc. (TN)

I have reached out to the company to let them know this is not mines, I have asked the credit bureaus to investigate this account as well because i was not living in XXXX in or around the time this account was used. 

Credit Management Cntrl XXXX {$480.00}
Consumer complaint received 2019-11-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

With both Experian and XXXX, I am unable to get the credit bureaus to report corrected information, even after providing them with updated information related to an account. 

The account in question is either XXXX/XXXX or XXXX/XXXX, which is a child support debt. The account number is XXXX. 

XXXX  is reporting both XXXX/XXXX with a {$610.00} balance and XXXX/XXXX with a {$610.00} balance. This is the same account being reported twice, and the balance on the account is {$0.00}. 

Experian is reporting XXXX/XXXX with a {$230.00} balance. This account has a {$0.00} balance. 

This debt is paid in full. The amount owed is {$0.00}. My children are over XXXX now, so there will no longer be child support. So, this account is now closed. 

I have attached an updated ledger from the Washington State Department of Child Support to support my position. On page one of the report, it shows a XXXX balance.
Consumer complaint received 2020-01-17
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. (CA)

I REVIEWED A COPY OF MY CREDIT REPORT AND FOUND A FRAUDULENT CAR LOAN IN MY EXPERIAN REPORT. I HAVE NEVER HAD ACCOUNT WITH XXXX. I AM A VICTIM OF IDENTITY THEFT. THIS ACCOUNT IS A FRAUDULENT ACCOUNT. EXPERIAN CREDIT REPORTING AGENCY DELETED THE XXXX ACCOUNT AS OF XX/XX/2019. IN SPITE OF THAT, EXPERIAN REINSERTED THIS FRAUDULENT ACCOUNT BACK TO MY CREDIT REPORT AND MY CREDIT HISTORY WAS DAMAGED.
Consumer complaint received 2020-01-17
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: CarMax, Inc. (CA)

I REVIEWED A COPY OF MY CREDIT REPORT AND FOUND A FRAUDULENT CAR LOAN IN MY XXXX REPORT. I HAVE NEVER HAD ACCOUNT WITH CARMAX. I AM A VICTIM OF IDENTITY THEFT. THIS ACCOUNT IS A FRAUDULENT ACCOUNT. XXXX CREDIT REPORTING AGENCY DELETED THE CARMAX ACCOUNT AS OF XX/XX/2019. IN SPITE OF THAT, XXXX REINSERTED THIS FRAUDULENT ACCOUNT BACK TO MY CREDIT REPORT AND MY CREDIT HISTORY WAS DAMAGED.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

REVIEW DOCUMENTS ATTACHED : XXXX  denied deferment from 2018 on the grounds that income exceeded the poverty-line guidelines. Income was clearly within the 150 % threshold and the deferment should have been granted. Due to the denial of the deferment XXXX reported negative history to Credit Bureaus. The deferment should have been granted due to income falling within the 150 % poverty-line guidelines ( See income paystub attached ). 

Also attached are the deferment documents that were submitted to XXXX to process a deferment. 

DELETE XXXX  ACCOUNTS FROM ALL 3 CREDIT BUREAU REPORTS AS THE REPORTING SHOULD HAVE BEEN POSITIVE AND THE ACCOUNTS SHOULD HAVE BEEN IN A DEFERRED STATUS.
Consumer complaint received 2019-04-04
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)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX  and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9 16 and pages 19 - 22 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5.  Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-11-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

With both XXXX  and Equifax, I am unable to get the credit bureaus to report corrected information, even after providing them with updated information related to an account. 

The account in question is either XXXX/XXXX  or XXXX/XXXX, which is a child support debt. The account number is XXXX. 

Equifax is reporting both XXXX/XXXX with a {$610.00} balance and XXXX/XXXX with a {$610.00} balance. This is the same account being reported twice, and the balance on the account is {$0.00}. 

XXXX  is reporting XXXX/XXXX with a {$230.00} balance. This account has a {$0.00} balance. 

This debt is paid in full. The amount owed is {$0.00}. My children are over XXXX now, so there will no longer be XXXX XXXX. So, this account is now closed. 
I have attached an updated ledger from the Washington State Department of XXXX XXXX to support my position. On page one of the report, it shows a XXXX balance.
Consumer complaint received 2019-04-04
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. (TN)

Multiple issues with Equifax. Most recent is regarding two items reported as derogatory by XXXX XXXX XXXX where the creditor has refused via phone to validate the debt in writing and also has not responded to the written request to validate the debts within the required time frame of 30 days per the Fair Credit Reporting Act. I was advised by the Equifax rep that I would have to file a complaint with the police first for them to acknowledge these claims, Even though I provided Equifax with supporting documents that validation of the debts was requested. ( As I also reported to CFPB previously ). This was a surprising request and not one required by the other two agencies. I did attempt to file a complaint with my local police but was advised the request by Equifax was unusual in that the federal government had specific guidelines that had to be followed regarding the validation of debts and if this creditor could not prove that had been done timely then that should be all that was needed. Also, that this was a civil matter and not criminal. 
Also, every time I have opened a dispute with Equifax, my credit score is reduced. For example, I had XXXX student loans that were being reported as duplicates and when the dispute was opened on each loan, there was an immediate reduction of XXXX points per loan and my credit score was reduced by a total of XXXX points. It appears that Equifax is penalizing for opening a dispute. 
Please assist in these matters. Is it common to require a police report when a debt collector dies not validate debt in the time frames required by the federal government? And is Equifax supposed to be reducing a credit score when a dispute is opened?
Consumer complaint received 2019-04-04
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)

On XX/XX/XXXX and XXXX, 2019 a company by the name " XXXX XXXXXXXX XXXX '' just popped up on my XXXX, XXXX, and Transunion credit report file. The original debtor is XXXX XXXX XXXX! This account does not belong to me, as all my bills have always been in my husband 's name. When I try to contact XXXX XXXX XXXX, my calls are not be accepted, their recording says their too busy to take my call. I have filed a dispute with XXXX and Transunion.
Consumer complaint received 2019-04-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (TX)

There were unrecognized unauthorized transactions and I contacted Chase to stop the transactions but the representatives said there's nothing they can do, and didn't offer any alternative or advice. It has been months and there were still recurrent monthly withdrawal transactions. As frustrated and inconvenient as it can gets, I had to take the time to personally go into the local branch last week and demanded the stop of transaction. A banker assisted me to stop the unauthorized transaction. Anyhow, the unauthorized transaction went through again yesterday. I spoke with multiple bankers including the branch manager, and they all said there's nothing they can do. If this is Chase 's company policy, to unable to stop / still allow any transaction to go through even with the account holder personally went into the local branch to put a stop on it, then you lost our confidence in banking with Chase. There are no customer service obligations and definitely not a respectable business practice for an established financial institution. Up till now, Chase is still allowing the transaction to withdraw from the company account against my will even after I personally ordered a stop. I will demand a refund for all unauthorized transactions and file a complaint for this illegal practice of consumer fraud.
Consumer complaint received 2020-01-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (TX)

This company calls me 3-5 times per day using a list of unknown numbers instead of a clearly specied number that identifies it as the actual caller. 
I have a debt that I'm paying directly to XXXX XXXX, and they continue to call.