davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

XX/XX/2019, I sent a certified letter to Experian requesting to dispute certain accounts and items. In XX/XX/2019, received an updated unfortunately stating reporting and information was verified. On XX/XX/2019, I mailed another letter requesting Method of Verification to Experian. I am 150 % sure that Experian has continuously allowed these creditors to illegally report inaccurate information and has not provided completeness and fairness of properly investigating the disputes. If Experian has properly investigated the disputes, then they would have found the inaccuracies and errors provided. However, Experian purposely has allowed the creditors, collection agencies, etc to report re-aged accounts, inaccurate payment histories, inaccurate account numbers, etc illegally.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Please remove the security alert. ( Fraud Alert ). I need to buy a car but there is an alert on my credit report that makes me difficulty to the buy a car or open credit card. please remove this. thank you.
Consumer complaint received 2020-05-26
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. (CA)

I have a credit card with XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX Equifax, and XXXX reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2019-06-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: ALLY FINANCIAL INC. (GA)

I was pressured into co-signing a very expensive auto loan with Ally Financial by a car salesman and general manager at XXXX XXXX XXXX XXXX  XXXX. I was Coerced by the salesman and told that my credit would be the only way the loan could be secured. At the time I did not have steady employment or income to afford the payments on the loan if the owner could not pay. Emotional tactics were used to coerce me into signing the loan. I was under duress when the loan was signed. I had even cried before signing the paperwork. I am now unable to pay the loan as stated in the beginning and I was unaware of the interest rate or total amount of the loan. At the time I was XXXX and since then my credit has been ruined and neither I or the other co-signer can afford this loan. The salesman knew I did not have steady employment. I was working XXXX and had already signed for my own car loan that day.
Consumer complaint received 2020-05-26
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: STERLING BANCORP (NY)

I signed on for automatic payments of my mortgage from my bank account, a practice active for many months. 
Then 3 weeks ago my XXXX account was the target of fraud. On the advise of XXXX, we ended that account and created a new one. I immediately notified Sterling National and updated my account info on their website. 
I was told the update was done. Today I received a letter of delinquency from Sterling and was presented with two choices after waiting on the phone for 45 mins ; either use XXXX XXXX and incur more fees, or have my credit score hurt by a non payment in the era of corona virus. 
I was told the bank had decided an update in payment info would take 1-2 months and I had no choice in the matter no matter what i did and when. 
I find that to be an outrageous abuse of my rights. What would you think in my place?
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

In XX/XX/2019, I submitted an online dispute with XXXX   regarding inaccurate information reporting on my consumer report. These informations on my report has hinder me to apply for a credit union account. Once Ive noticed what information disclosed, I immediately disputed the accounts. I am concern about the reporting of these informations and they should be deleted immediately.
Consumer complaint received 2019-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: COAST PROFESSIONAL INC (OH)

XXXX is guarnishing my wages for my student loan without sending notice to me.. started today XX/XX/2019 for {$110.00} weekly. i was shocked as i had no notice, no phone messages, nothing! 
I have no documentation to include
Consumer complaint received 2021-06-03
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. (TN)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.
Consumer complaint received 2020-05-26
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSWORLD SYSTEMS INC (TX)

I sent a cease and desist letter to XXXX XXXX XXXX on XX/XX/2020 regarding multiple accounts but they continue to call even after receiving the cease and desist letter which was returned to me signed by XXXX XXXX and dated XX/XX/2020. The calls initially stopped but then started again with one being received on Monday, XX/XX/2020, at XXXX XXXX and then on Tuesday, XX/XX/2020 at XXXX XXXX.
Consumer complaint received 2019-06-07
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. (TX)

I have disputed the student loan XXXX XXXX, XXXX XXXX with the credit bureaus for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal
Consumer complaint received 2021-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (AL)

Jefferson Capital is reporting an account on my credit report that I have not received any communication from them about. The account is reporting with a company called XXXX XXXX. I have not received any documents or letters from Jefferson Capital about this account. The account just showed up on my credit report in XX/XX/2021. Now the company is calling me repeatedly. As far as I know Jefferson Capital was required to send a letter to me before reporting this account on my credit report so that I could have a chance to request validation. The company did not send me this letter. They have not sent me any letters. Nothing. This account should not be on my credit report.
Consumer complaint received 2020-05-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (ME)

I am XXXX in the Residential Mortgage Business and my income has been severely impacted via the COVID-19 Pandemic. for example, I had 3 applicants that went under contract to buy a home and they were laid off from their job on XX/XX/XXXX. I do not get paid unless I close a loan. 
I have been a XXXX XXXX customer with XXXX for 10 years. I currently lease a XXXX XXXX. I requested an extension/forgiveness and they agreed to extend 2 months of payments which is added on to the lease term. However, they charged me $ {$220.00} Extension fee that was due after the two months had passed. XXXX XXXX added XXXX & XXXX month terms onto my lease term expiring in XXXX. AND XXXX charged 2 months of late fees ( {$10.00} per month XXXX. 
I was charged the fee on XX/XX/XXXX of {$240.00} and my payment of {$370.00} due XX/XX/XXXX for a total of {$620.00}. See attachment. 
I don't believe that thru these difficult times, there should be excess fees. I have asked XXXX XXXX as a ONE time ( since not likely to have another Pandemic ) courtesy which they refuse.
Consumer complaint received 2019-06-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: GMA Investments, LLC (AZ)

The following number keeps calling me XXXX and is threatening me too have me arrested of I don't call him back at XXXX. He didn't leave a name. He is now threatening me and has used my brother 's name. How he figured that out I don't know. We don't have any ties together. I found the company that is associated with the 844 number but they act as if I power some kind of debt to them. I don't even know who they are. He called several times and I emailed and called the company and asked them to please stop calling me and send me a letter of what they think I owe. They haven't responded to the email and hung up on me when I called to ask for a letter. I have the last voice mail saved on my phone from yesterday 's call. I just learned I can turn them into you guys. Please help. Make them stop doing this to people. Thank you so much for your time.
Consumer complaint received 2021-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (LA)

Flagstar mortgage company 's escrow department issued at total of {$10000.00} in gross error. {$4600.00} was issued on XX/XX/XXXX for a policy cancelled in XXXX. On XX/XX/XXXX they issued a payment of {$2900.00} to the correct insurance company then issued a second payment to the same company on XX/XX/XXXX for a total of {$10000.00} in 7 days. 
Since XX/XX/XXXX I have spoken to flagstar mortgage 5 times for an approximate phone time of 1-2hr per call. The insurance department has no explanation for the error and the escrow department has a shortage of {$7600.00} resulting in an {$800.00} increase of my monthly note and informs me until the shortage is resolved there is nothing they can do regarding the next payments extreme increase. It has been my responsibility to contact the insurance companies, request refunds, follow up on refund status, XXXX mail service. 
This has been extremely time consuming and frustrating as Flagstar 's departments do not speak to one another causing constant transfers of call with ridiculous wait times. To date, I am awaiting refunds via mail with great concern in trust that this company can accurately manage the loan services agreed upon. This in not the first time I have experience insurance and escrow errors with Flagstar.
Consumer complaint received 2019-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My identity has been compromised and there's unauthorized inquiries on my credit file. I'm demanding immediate removal of these unknown and unauthorized inquires. Please remove these immediately. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX  XXXX XXXX XXXX XXXX ( XXXX ) 3 ) XXXX ( XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX  XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2019-06-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Sent a letter via mail to a TransUnion requesting a method of verification due to dispute for XXXX XXXX XXXX showing verified. However, I am 150 % sure that TransUnion did not properly investigate the collection as it was re-aged. This has caused great damage to my credit report. Also, I was advised that my inquiries were deleted. However, today was able to request an updated report and all the inquiries are still showing reported. I was told today by representative that they were removed and special handling department. Why isnt the results reflect in my credit report yet?
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (NC)

I received a Money Network card without my knowledge or consent from my employer for wages earned for a temp job I took. My employer XXXX told me I can cash a money network check for the balance on card in the amount of {$2300.00} and cash it at XXXX XXXX XXXX XXXX XXXX and couldn't provide reason. Now my money network card shows XXXX balance with a check that can't be cashed, which is very strange. Called money network got the runaround and was hung up on and disconnected for 2 hours strait on XX/XX/2022 from my employers office that can confirm this. Got someone on the phone said check was good tried cashing at 2 different banks and declined again. Called money network again on XX/XX/2022 from my employers office and more run around and being hung up on. Called money network XX/XX/2022 rep said to fax image of check then hung up on. Called money network XX/XX/2022 they said cant tell me if they received my request. Called money network XX/XX/2022 more runaround. Called money network XX/XX/2022 they said call during the day. Called money network XX/XX/2022 they said they would void check put funds Back on card in 24 hours, no money on card Called money network 2 days later on XX/XX/2022 and they said to send image of voided check, they confirmed receipt and said funds would be on card in 24 hours, no money on card of course. I have spoken to other representatives as well. I have been getting the runaround and hung up on for 6 days now and still have not received my money that I worked for. Money Network is attempting to illegally and fraudulently steal my money for no reason, by using deception, scripted responses, stonewalling, delaying, disconnecting call, playing XXXX, transferring call, hanging up, making me jump through hoops, call back, and still my {$2300.00} is not being put back on my card. I am the card holder and I am in possession of the voided check in question and I'm the only one that has been in possession of the money network card and money network check since receiving it from my employer. One other strange fact is that check for {$2300.00} hasn't been cashed but there is XXXX balance on card, which doesn't make sense. I am now in financial trouble because money network is refusing to put funds Back on card with their fraudulent business practices. I have kept meticulous records of this entire process and the persons to whom I spoken with. It appears that money network is looking for a reason to fraudulently delay or illegally steal my money and I desperately need my earned wages be rightfully returned to me.
Consumer complaint received 2020-05-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (OH)

I called last week to follow up on if the original account holder would agree to a lesser amount. The agent said they will settle for {$620.00} to be paid in full. They are not refusing payment on that agreement amount. I recorded the conversation where another agent said the person I talked took " lied '' about the amount. I can email if you like but it is too big to upload.
Consumer complaint received 2019-06-06
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. (OH)

We leased a car from XXXX in XXXX of XXXX and had it financed through XXXX XXXX. Six months into the lease we paided out the lease. After paying the lease out we still received calls saying that we are behind in our lease payments. We would resolve the problem monthly. XXXX of XXXX we called the dealership and let them know we wanted to lease another car despite the previous problems we had with XXXX. They explained that they were not doing any new leases in Ohio, but there were select number of people that could do another lease term with the car they were already leasing. We said OK, what do we need to do. XXXX at XXXX told me that they had not worked out the details with XXXX yet and to wait until our lease term was up. We waited called daily to find out if they had worked out anything yet. I asked XXXX what we should pay he said just How can debt be veirfied if each credit bureau have conflicting informations XXXXXXXX   Late 120 XXXX CHARGE OFF Transunion Charge off Date of last payment are incorrect a Accross 3 credit bureaus They are reporting inaccurate info to the 3 credit bureaus. 
Account Type : Installment Installment Installment Account Type - Detail : Auto Lease Auto Loan Collection Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$490.00} {$0.00} {$490.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$620.00} {$620.00} {$620.00} No. of Months ( terms ) : 12 12 0 High Credit : {$17000.00} {$17000.00} {$17000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$620.00} {$620.00} {$620.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Collection Account Full termination ; balance owing Unpaid balance reported as a loss by credit grantor. 
Account seriously past due/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Consumer disputes - reinvestigation in progress Collection account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO The Three Credit Bureaus are involation for not doing a thorough investigation into the matter and allowing said name customer to report fraudulent and unauthorized charges
Consumer complaint received 2019-06-06
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. (NC)

I just filed a complaint with the cfpb on XX/XX/2019 at XXXX and it did not process.

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I filed disputes with the credit bureaus. I am a victim of identity theft. The information listed in this package, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft.
Consumer complaint received 2019-06-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have contacted XXXX  and Transunion in reference to accounts : Dept of Ed/XXXX XXXX ; Dept of Ed/XXXX XXXX ; Dept of Ed/XXXX  XXXX ; Dept of Ed/XXXX XXXX ; Dept of Ed/XXXX XXXX. I contested the accuracy of the furnisher 's reporting of the payment history which both companies responded to my dispute that the accounts were being accurately reported. How are these accounts being " accurately reported '' when they have the payment status for XXXX listed as " OK '' but the following month XXXX is listed as 90 Days late. How can they report a 90 day late payment status without first reporting 30 and 60 day late payments. These erroneous accounts should immediately be deleted from my consumer report.
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (GA)

hello, the following cc company ( NAVY FEDERAL CREDIT UNION ) are reporting the wrong information on my credit report. I have never been late or missed a payment, yet they have me showing 30 day late. the problem I have is that the last report date and active date and payments dates are all inaccurate. each of the 3 cb are showing something different. they only report what they are giving. so with that being said whos to say the information that im 30 days late isn't an error on the creditors end. I would like them to fully investigate the problem and make the correct changes to there error.