davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-13
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. (SC)

I have been disputing various accounts with your bureau and to this day I have not received answers on why or how these accounts remain on my credit report. Your agency has continued to allow reporting on invalidated information. I have continued to dispute these claims multiple times and all I have seen is the accounts being updated or verified. How are these accounts being verified? Who is verifying this information? What documents do you have to support these claims? I have yet to receive an original contract with my signature from any of these accounts so how is this being tied to me? How are they verifying this information as accurate with you? This has been detrimental to my credit report and I am seeking legal counsel. Please prove to me how you are validating the below accounts. If you are unable to prove that these accounts belong to me then I ask that you remove the accounts from my credit report. Please provide me proof that you have the contracts proving these are mine. If not, please remove it. 

- XXXX/XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX - XXXX XXXX - XXXX/XXXX  XXXX - XXXX XXXX/XXXX
Consumer complaint received 2020-02-01
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. (AL)

Over the past 3 months I have been sending letters to Experian to correct my credit report. They simple send letters back saying that the accounts are verified, who is verifying! They are in violation under FCRA 611 ( a ) ( 7 ) and have not deleted the following accounts : XXXX XXXX XXXX : reinstated on my credit report with out a written 5 day notice XXXX XXXX : reinstated on my credit report without a written 5 day notice XXXX  : reinstated on my credit report without a written 5 day notice XXXX : reinstated on my credit report without a written 5 day notice This is a violation of the FCRA 611 a 7 and I want experian to correct the violation so no other action will be required.
Consumer complaint received 2020-04-25
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: College Foundation, Inc. (CA)

I was part of an IBR with College Foundation of North Carolina. When I needed to redo my paperwork there was an error in the initial application. I immediately sent in a new application. In the interim I began to receive invoices for upwards of $ XXXX {$900.00} per month, far beyond my means. I spoke with representatives and the gave me a forbearance while the problem was resolved. During this time I still made some smaller payments to show good intent. I never received notice that the forbearance was up, but did start receiving bills for $ XXXX again. I continued to make small payments and reapplied for an Income Based Repayment plan. I finally received notice that my application was rejected because I was already on an IBR. I never received notice of my IBR being accepted and was unaware of the proper amount I was supposed to be paying ( the website was down for maintenance for months ). In the meantime, CFNC reported me as 30/60/90 days late on my payments. Since I technically have 4 separate loans, this report lowered my credit score by almost 150 points overnight. I have disputed the credit reporting multiple times and written a letter of goodwill, but have been resolutely rejected. I am trying to refinance a home right now and can not do so because CFNC 's callousness is beyond the imagination.
Consumer complaint received 2020-04-25
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. (WI)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX : disputes were filed with Transunion, XXXX and XXXX regarding 4 bankruptcies that are on my credit report. 

Reported by : USBK COURT XXXX WISCONSIN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX Chapter XXXX reference # XXXX filed XXXX Chapter XXXX reference # XXXX filed XXXX chapter XXXX reference # XXXX filed XXXX Chapter XXXX reference # XXXX filed XXXX After filing multiple disputes online and getting a response that it was verified, I sent out XXXX letters to each bureau on XX/XX/XXXX, requesting the credit reporting agency to send verification on how the bankruptcy court reported this information. I have not heard anything back from either credit bureau. 

I contacted USBK COURT XXXX WISCONSIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX on XX/XX/XXXX and requested information regarding the courts procedures for reporting information to credit agencies. I got a letter back dated XX/XX/XXXX stating the court does NOT report information to ANY credit agency. 

Therefore, I believe these 4 bankruptcies should be deleted from my credit report due to the " reported agency '' not reporting this information to the credit agency.
Consumer complaint received 2020-04-25
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: JPMORGAN CHASE & CO. (CA)

Re : Chase Account Debit card XXXX Card member : XXXX XXXX XXXX Chase Bank has not been responsive to my request for a dispute of a XX/XX/XXXX transaction in the amount of {$690.00}. Not only did they fail to contact me to request information about this dispute, but they also only informed me of the results on XXXX XXXX, and since I reported this on XX/XX/XXXX, their notification to me well past the 90 days deadline. I never received any mail from them either. Company Chase Bank has been unorganized in this process, in my opinion, because their off shore customer service team is not properly trained. 

Furthermore, Chase Bank has failed to notify me at all for the dispute of these other charges : XX/XX/XXXX - XXXX - {$250.00} XX/XX/XXXX - XXXX - {$250.00} XX/XX/XXXX - XXXX - {$250.00} XX/XX/XXXX - XXXX  XXXX PA XX/XX/XXXX - {$150.00} XX/XX/XXXX - XXXX  XXXX PA XX/XX/XXXX - {$200.00} XX/XX/XXXX - XXXX  XXXX  - {$630.00}
Consumer complaint received 2020-04-25
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. (FL)

( XXXX true Identity theft ) Im a member of the XXXX  data breach & have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items. 
My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police  made a report they also told me to make a report with FTC  because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help XXXX  : CONFIRMATION NUMBER : XXXX Experian Report Number : XXXX Report Number : XXXX Date Generated : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3800.00} ( XXXX ) XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3600.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$10000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$1700.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$670.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$750.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX {$13000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX | XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (FL)

I would like to institute a Security Freeze with the three credit reporting agencies. XXXX, and XXXX  make it easy. All I had to do was sign into my account with them, do a few clicks and a Security Freeze was placed immediately. Experian makes it near impossible. They hide access to Security Freeze information all the time trying to sell you one or more of their paid services. When you finally find the place where you are supposed to be able to place the freeze, you fill out a form and click " Submit '' which then tells you you must mail the form to them in Texas which will take weeks or longer. 
Are they allowed to have rules which make placing a free Security Freeze difficult or near impossible unlike XXXX  and XXXX. To get to the page I had to sign in to my account with Experian ( Member ID : XXXX ) get past their request for {$19.00} per month to place a " Credit Block '' and go through other hoops to be told to mail the application to their Texas Office. All this after I signed in, with my password, replied to their text for a secondary number and provided my Social Security number. 
Under CFPB rules are they able to make this so difficult and make their website a marketing tool unlike the two other agencies? Their Phone Service is a computer that gives you meaningless information and then hangs up. Please help.
Consumer complaint received 2020-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (DC)

I receive preventative medical services from XXXX XXXX ( XXXX ) every three months as part of my XXXX XXXX ( or XXXX  ) medication. XXXX uses XXXX for XXXX XXXX. I have XXXX XXXX XXXX XXXX health insurance. Every three months after I receive XXXX XXXX through XXXX, I receive a bill. The bill is never the same amount. It has been less than {$100.00} or more than {$250.00}. The last lab services I received, I was made to sign a piece of paper as I was getting my XXXX  XXXX   agreeing that I would pay any medical costs not covered by my insurance. The letter stated that my deductible matched the amount for XXXX 's services. What is the chance of their services matching my deductible exactly and then they send me a bill. It seems shady, and it is wrong that I am forced to sign a piece of paper as I am going to get my XXXX  XXXX. Also, I am getting needed testing and preventative services. XXXX XXXX Services are supposedly covered under the Affordable Care Act : https : //www.cdc.govXXXX   They report random amounts to my credit reports under their collection company " CREDIT COLLECTION SVCS. '' I believe they have used " XXXX XXXX XXXX  '' as well.
Consumer complaint received 2020-04-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Renew Financial Holdings Inc (FL)

My husband and I were victim of fraud and loan sharking from the XXXX  pace program  and RENEW FINANCIAL. In XX/XX/XXXX, we met with a contractor  representing XXXX for a roof and hurricane-proof windows and doors installation. 1 ) The financing company sent a couple of documents to me ; I was in disbelief finding out that our incomes were purposefully inflated. I specifically told the XXXXRenew Financial contractor that my husband was not working at the time. In the document it states that my husband makes {$45000.00} when in reality he made {$9100.00} total for that year and he puts that I make XXXX when in reality I make around XXXX. 2 ) On XXXX XX/XX/XXXX he quoted us {$9000.00} for the hurricane proof windows and {$12000.00} for the roof. We made him wrote and sign on the agreed price. After both projects were completed, we were asked to sign that the project were indeed completed. At that time we brought to his attention that the prices were significantly inflated and that's not what we agreed on. He stated that there will be a " change order '' with the agreed price and that those were not the real numbers. And that we needed to sign in order for the XXXX and Renew Financial to release the funds. There was never a change order. Not to mention we were never told the interest rate. All that was said is that it is base on credit and not to worry, since it is a government program, the interest rate are usually low. 3 ) We recently tried to refinance our house only to find out that TWO liens were placed on our property one for XXXX for the windows and door ( Renew Financial ) and one for the roof for XXXX ( XXXX ). Both for 25 years. We were never explained the term of the loans, nor did we agree to have two liens place on the house. Have we known the fact we wouldnt have move forward with both projects. 4 ) I do not recall signing those documents on docu-sign. When I called XXXX  and Renew Financial, they did not even have my email. They had my husband email. And my husband and I went through the emails we did not received the initial papers that require us to sign and initial that we know what we are getting ourselves into. We did however receive documents after completion for XXXX  and Renew Financial to release funds. XXXX and Renew Financial are pure fraud and loan sharking. and I know it is illegal.
Consumer complaint received 2020-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AR)

Appx XX/XX/2006 I purchased a home for XXXX and financed XXXX, so I was required to pay PMI, I am currently at XXXX I have requested the PMI be closed multiple time since reaching my 80 % purchase price but have been denied every time. The loan servicing has changed hands multiple times and one company has even been in some sort of trouble. I have sent information from your website but they don't seem to care. I was in bankruptcy for the 5 years and they wouldn't even talk to me. I did not include this property in the bankruptcy, I made all payments outside the plan and on time. Please help me get this PMI canceled and a refund of multiple years of over payment Thanks
Consumer complaint received 2020-04-25
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. (TX)

On XX/XX/XXXX I paid XXXX XXXX off in an agreed settlement. I filed a dispute with Equifax letting them know that its paid in full. On or around XX/XX/XXXX, they updated my credit report to show paid in full and at a XXXX  balance. On or around XX/XX/XXXX, Equifax placed this closed account back on my credit with a $ 2,900+ balance. Im not sure what theyre doing, but this has caused my credit score to drop 30 points! Ive called them about this 5 different times, Ive spoken to a supervisor, and all they want to do is keep opening disputes instead of correcting their mistake.
Consumer complaint received 2020-04-25
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: EQUIFAX, INC. (CA)

Victim of identity theft here. 

On XX/XX/2020 I received a notice on XXXX XXXX of a " XXXX XXXX XXXX '' hard credit inquiry through Equifax. 

XXXX XXXX does not provide a dispute mechanism and they referred me to you. 

Can you please assist? 

Thanks
Consumer complaint received 2020-04-25
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: Experian Information Solutions Inc. (NV)

Disputed Chapter XXXX bankruptcy reported to credit report. XXXX  and XXXX  have removed the inaccurate information. Experian has taken longer than 30 days to remove the inaccurate information.
Consumer complaint received 2019-03-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (NJ)

XXXX XXXX. 

36 month lease on a XXXX XXXX  XXXX. End of lease XX/XX/XXXX. Lease paid on time every month {$920.00} 33 installments all on time. Vehicle was turned in with 2 key fobs end of lease fee was paid {$330.00} even with an initial payment of over 5k. Vehicle was also turned in with an upgraded wheel including OEM 20 '' tires and TPMS. BMW Financial did not close out the lease in addition tacked on another {$900.00} in unknown fees. Several disputes have been filed with the credit bureaus. I even went to XXXX XXXX XXXX XXXX, NJ directly to resolve the problem to which they said on numerous occasions it will be fixed. Then XXXX of XXXX sold the vehicle at auction with the more expensive wheels and tires I Paid for and I was not reimbursed. They still several months later have no provided me with any documentation on what the extra fees are.
Consumer complaint received 2020-02-13
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: VW Credit, Inc (NJ)

My name is XXXX XXXX, I'm a full time employee with XXXX XXXX, a full time parent, former college student and Veteran of the United States XXXX. 
This statement is directed towards VW Credit and the issues that I had experienced after informing them of my hardships. 

XX/XX/XXXX I had called VW Credit to inform them of my hardship that I was facing and wanted to know my options and expressed that I was open to any type of assistance with my auto loan. The customer service agent wasn't unpleasant but seemed to lack compassion in regards to my current situation and suggested that I could voluntarily surrender the vehicle but it was going to cost me {$300.00}. I of course did not have this amount to spare at the time due to needing the vehicle to travel in search of / commuting to work, having a child full time, and to grocery shop. I then avoided their calls from that point on due to fear, anxiety, and XXXX. 

In XX/XX/XXXX, I omitted myself into the VA Hospital in XXXX, GA for XXXX and suicidal thoughts. This was partly stemming from debt collectors, including VW credit not attempting to assist me during my current hardship that I was facing. 



XX/XX/XXXX Wrote VW Credit a note and submitted it, explaining that I have found employment as a government contractor and wanted to be placed on a payment plan that would be reasonable so that I could catch up. I had stated in the same note that I did not want to communicate over the phone due to the discomfort of the situation so I suggested email. 

I never received a response to my note but a phone call that very day or next from VW credit. I refused to answer, knowing that my note was received and reviewed. 




XX/XX/XXXX Decided to call VW Credit because it had been a month since I wrote them and the anxiety was torturous. I spoke with a collections clerk by the name of XXXX XXXX XXXX and he basically made it seem strictly business and that despite my prior hardships, their was nothing they could do for me in regards to debt forgiveness and that I will need to pay the balances owed. I promised to pay {$500.00} on XX/XX/XXXX and will do so but I was never given 60 days to prevent late payment reporting to the credit bureau, after stating my hardship back in XXXX. Due to this creditor not offering assistance, my credit has suffered dramatically since XXXX of XXXX and even today.
Consumer complaint received 2020-02-13
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. (FL)

I currently have a credit card for the company XXXX which is provided by the company " XXXX XXXX. '' Back in XX/XX/XXXX, I submitted an update to have a new checking account added to my profile via the website for XXXX XXXX. The website had technical issues because it never added the account and caused a payment issue. I found out because the company contacted me to say that I was behind on a payment, when I had already submitted it with ample time. The same issue occurred XX/XX/XXXX, I resubmitted via the website to add the new account and submitted the payment for that same checking account and again, XXXX XXXX had the same issue. So, they then needed to add the account manually through a supervisor in XX/XX/XXXX. Once everything was finally updated, payments cleared through the account. The supervisor ensured me that due to this NOT being my fault, and it was a technical issue with the website for 2 months in a row, she would credit me the 2 late fees that I was unaware of. I also had asked her if this would be reported negatively to my report and she also assured me, that it would NOT be reported negatively. During this time, I was also homeless so I did not have funds to be financially stable, but I found a way to not only get my account paid but also now I've been sending chunk payments every month as of XXXX and XXXX so over 97 % of the credit has been paid down. Now, that I have access to my credit report as of late XXXX, I started to utilize credit services more and see that the 3 credit bureaus all reflect I am late 2 payments for " XXXX XXXX. '' All of this was of no fault of my own, but even as a homeless man, I did my due diligence to submit my checking account and paid on time every month. This company needs to remove this because their faulty system was the issue and " XXXX XXXX '' was willing to refund me the late fees AS PROOF, that  they were in the wrong. It took them 2 months to get my new account added, and the payment to finally process. They admitted it was a tech issue. This has caused negative impact in my score for years and has hurt me from having better employment opportunities, as well as has hindered me from applying for credit cards or even qualifying for credit limit increases. I submitted about 2 or 3 contacts via mail in form of dispute letters in XXXX, and via phone to have this removed, but the company will not budge, even though supervisor admitted due to website issues, they would give me late fees removed. So, if late fees are removed, why is it still reporting late to the bureaus? Doesn't make sense. Please have them remove from all 3 credit bureaus asap as I'm fixing my credit of inaccuracies in order to buy my 1st home soon. Thank you.
Consumer complaint received 2020-04-25
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: EQUIFAX, INC. (NV)

Disputed a hard inquiry from XXXX dated XX/XX/2018. I do not have a personal loan. Equifax failed to remove the inaccurate information.