davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-15
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)

I sent a letter in response to a letter I received by Transunion dated XX/XX/2018 related to the debt referenced XXXX XXXX XXXX and the inaccuracies on my Transunion credit report. I sent two requests for debt verification to XXXX XXXX XXXX  on XX/XX/XXXX and XX/XX/2018. I stated the basis of my initial dispute was due to multiple inaccuracies across all three credit bureaus such as the date ( s ) of last activity, payment history, and the status of the account. They were unable to verify  the alleged debt with proof of a consumer contract with my signature on it. I sent a third and final request on XX/XX/2018 to have the negative file removed from my credit report since they couldnt verify the debt. They failed to positively verify with sufficient proof my legal signature on the original contract ( s ) with XXXX XXXX XXXX since they are the reporting company listed on my credit report. 

On XX/XX/2018 my score was XXXX. On XX/XX/2018 my score increased to XXXX due to XXXX XXXX XXXX removing the item from my credit report. On XX/XX/2018 my score went back to XXXX due to XXXX XXXX XXXX adding information back on to my credit file which I believe to be in violation of my FCRA rights by adding and reporting negative and unverifiable information. I requested to have all information and accounts related to this alleged debt removed from my credit file immediately. When I check my report and score each week the negative information is still listed. XXXX XXXX XXXX refuses to remove the negative information and Transunion is not doing anything about it even though I submitted my proof that the alleged debt is not belonging to me.
Consumer complaint received 2018-03-15
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. (WI)

I have requested validation of the debt XXXX XXXX XXXX XXXX seeks to collect. I am not certain I actually authorized this debt for many reasons. I have not resided in XXXX, NE since XX/XX/XXXX this debt was accrued in XX/XX/XXXX. My wife is usually the responsible party for all medical matters as she is typically the one who takes the children to the doctor. The hospital had a bad address on file. The debt collector has been unable to furnish anything used to verify identity prior to providing services. The account information I have been shown does not have any of my personal identifying information. 

FURTHERMORE, the collection agency is trying to collect an amount that is inconsistent with the original creditor 's records AND they have re-aged the account to make it appear newer than what it actually is to cause maximum damage to my credit report. Both actions are violations of the FCRA and FDCPA.
Consumer complaint received 2018-03-15
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. (TX)

I have contacted XXXX XXXX XXXX on several occasions via certified letters ranging from XX/XX/XXXX to XX/XX/XXXX, to resolve this matter. Currently on my credit report, there are two missed payments showing for XX/XX/XXXX and XX/XX/XXXX. I applied for a forbearance on my loans as I was recently laid off from my job at the time and was experiencing a financial hardship. It was my expectation that the forbearance would only take a few days to process and therefore be applied to my account timely. I was never informed the processing time could take longer than 30 days and never directed on when to reapply, check the status and/or make payments to my loans. It is my wish that the missed payments are updated to be within good standing and reflect the forbearance during those months.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (OH)

My account at Santander Consumer USA became seriously delinquent after I lost my job. After receiving an employment settlement, I contacted the company to pay it off. We agreed on a settlement amount of XXXX on XX/XX/2018. They updated the credit bureaus that the account was closed/ charged off as bad debt that very same day. When I got the credit alert, I called the company back on XX/XX/2018 and said that I did not want the settlement and I wanted to catch up the payments and pay off the loan as agreed. An employee from Santander helped me to take the payment to pay up all the past due payments to have the account become 'current ' in their system. 

The account was re-opened and I have complete online access to my records. I've made two more payments since for XXXX and XXXX. The system is showing my next payment due as XX/XX/2018. Same account - same payment amounts, same payment history. Their system is showing I have caught up all the payments and have a total of 53 payments made with a loan maturity date of XX/XX/2018. However, they refuse to remove the charge-off status. I've had my complaint about this escalated as far as I could to resolve this issue. I have also disputed the status in XXXX, XXXX, and XXXX. 

I just got off the phone with XXXX XXXX from XXXX ( XXXX XXXX ) She told me they are reporting the account as open but she would not give me any documentation to say that. She advised me to get with each of the credit bureaus and dispute the status because they are reporting the account as open. However, there seems to be something very, very, wrong here and I think they are committing tax fraud or cooking their books. How can an account be open and current with all the payments caught up and the account shows in good status AND also be something they are charging off their taxes at the same time? They will not remove the charge off. They are saying my account can be open and current AND still be a charge off. Im going to pursue and make a complaint with Consumer Protection Agency and I dont know who else I would need to contact, because the account should be listed as previously charged off and now current or something like that. My original loan is open and in good standing with them. Im sure they are violating the law at this point.
Consumer complaint received 2018-03-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau (IL)

XX/XX/2017 I received a medical debt from Medical Business Bureau was placed on my credit. They have not been able to validate that this debt belongs to me. Under the FCRA, I am required to seek validation with a document bearing my signature and this has not been provided to me. 

This debt was already removed from XXXX  and XXXX, I am requesting it to be removed from my XXXX  report as well.
Consumer complaint received 2021-02-23
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: MARINER FINANCE, LLC (MD)

There is a company called Mariner Finance and I never took an account out or I never applied and it's on my account fraudulently also XXXX XXXX XXXX XXXX  as well and something called XXXX XXXX XXXX XXXX XXXX  they also have my information and I never heard of these places. I have a credit freeze on my credit reports for 7 years. I never took these accounts out at all. I am a victim of identity theft, for over 10 years.
Consumer complaint received 2018-03-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I always mail my monthly payment ten days early. My XXXX {$680.00} payment was due XX/XX/XXXX, so I mailed it on XX/XX/XXXX. It always takes about ten days for them to post the payment, and they always send me an email that they have received it. This time I got no email. On XX/XX/XXXX, I checked with my bank and the check had not cleared. I called Loancare. It took 45 minutes to speak to someone. They told me that my XXXX payment was lost. I told them that I would put a stop payment on the check and reissue the payment through electronic funds transfer, which I immediately did. I then emailed Loancare what I had done and asked that they not cash the check and that I had put a stop payment on it. They cashed the check on the very same day that they said it was not there and then when my bank rejected it because of the stop payment, they sent it through again. 

Loancare is now charging me a fee of {$80.00}, two {$40.00} charges for a check rejected for " insufficient funds. '' I have contacted them by 'phone, email and letter. The only response that I have received is from my letter, notifying me that they are looking into the problem.

My mortgage was sold to this organization about a year ago, and from day one it has been one unsolvable problem after another. They are very difficult to contact, and they are simply unresponsive if you are lucky enough to communicate with them.
Consumer complaint received 2018-03-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/18 I used the website Coinbase.com to buy {$1200.00} of Ethereum cryptocurrency. They mistakenly took twice that amount {$2400.00}. I disputed the charge through my bank, Coinbase cancelled the transaction and I got the additional {$1200.00} back. 

Because of this Coinbase had frozen my access to their exchange ( GDAX.com ) where I keep the rest of my money ( about {$5800.00} in Ethereum and Litecoin ) until the situation was resolved. 

The issue that caused this was resolved during the first week of XX/XX/XXXX and I am still locked out of my account. I can't buy/sell/transfer any of this money. 

I have been in contact through phone and email with their support many times and they have simply told me that my case is " escalated. '' This has gone on far too long, especially because the issue that triggered the account lockout as solved over a month ago. 

Can you please help me? 

Thank you.
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/18 I was notified my credit score had changed and that a credit card was closed. Capital One closed my credit card due to inactivity but did not send me any notification that this was going to happen and is refusing to open the card again. I did not want this account to be closed as this was the first credit card I ever opened and established my credit history. With the closure of this card the length of my credit history was drastically reduced and lowered my credit score substantially. Capital One refused to let me speak to anyone other than a supervisor and refused to do anything to get the account open again. They told me they would never close an account without notifying the owner first however I was never notified. Their customer service was terrible and had no excuse for why they did not notify me of my account closure.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE (MI)

My name is XXXX XXXX and my account number was XXXXxxxx I have disputed inaccurate reporting from Huntington Bank 3 Times. Each of my credit Bureaus have different payment history which changes each time its diaputed. There are current payments followed by 120 days late which makes no sense. I lost a job of 8 years and it appears the only thing they want to do is negatively impact my credit with inaccurate negative reporting. Each bureau report is different even though theyve been disputed 3 times to be updated. As an example on report shows the ending of XX/XX/XXXX 30 days late. The other two show XX/XX/XXXX 90 days late after being 120 days late and paid in full the month prior. Please update my payment history correctly. You cant be 60 days late in XX/XX/XXXX but paid in full the month before. 

The most recent disputes I have sent were in XX/XX/XXXX, XX/XX/XXXX and XXXX. 

I have attached images of my report I can also locate the confirmation receipts from mailing them certified. 

Please correct my payment history or delet the account from the 3 Credit Bureaus.
Consumer complaint received 2018-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (WY)

I called in onXX/XX/XXXXto report the Natural Disaster happening on XX/XX/XXXX that burnt down my warehouse and my Manager 's home. This was in the midst of Quarter 4 as I own a XXXX Company and went through Financial Difficulties as a result.

The supervisor representative agreed to remove : XX/XX/XXXXInterest Charge {$310.00} XX/XX/XXXX Interest Charge {$210.00} XX/XX/XXXX Interest Charge {$130.00} XX/XX/XXXXInterest Charge {$320.00} I called back on XX/XX/XXXXto confirm the removal and they stated 1. American Express has no records of the call 2. They won't remove the charges due to it not falling under Natural Disaster conditions 3. They stated address is not on file for that location but the problem is that I have many addresses and only giving them my mailing address.
Consumer complaint received 2018-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE COMPANY (MN)

I contacted XXXX XXXX & Towne Mortgage Escrow department by E-mail on XX/XX/2018 as instructed to do by customer service. I had issues with how they calculated our monthly payment. 
The monthly payment should be XXXX they are billing {$610.00}. 
I Emailed them a copy of our 2018 homeowners policy showing the amount that they showed was paid on the statement was higher then what was due for the 2018 policy. 

They responded on XX/XX/XXXX but did not answer fully my questions. I understand that they are charging us a PMI of {$240.00} per year that we didn't know about. but there is apparently a shortage they are claiming of {$430.00} and they will not provide me a clear explaination of why a shortage exists. And I was told to contact customer service with further questions. customer service told me anything to do with Escrow I would need to contact the Escrow department. 

On XX/XX/2018 I contacted my insurance agent and she verified that they did not receive the payment of XXXX, that the Mortgage company stated they paid, instead they received what the policy amount should be {$1200.00}.
Consumer complaint received 2018-02-26
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: AES/PHEAA (IL)

My student loan reportings negatively affect me because it looks as if I've defaulted on several accounts, when there was only ONE, and that ONE is paid in full. I've satisfied the debt, I'm experiencing the following : - Loan appears multiple times, although only one loan was secured - Some of the student loans report as " Open '' although the balance is " {$0.00} '' and should be " Closed '' - Many payments are incorrectly reporting as current lates The following companies are involved : - XXXX XXXX XXXX ( Listed 4 times ) - XXXX XXXX XXXX XXXX ( Listed 2 times ) - XXXX  ( Listed one time ) I'd like to buy a home and secure business lines of credit to grow my business, and I can not as a result of these reportings.
Consumer complaint received 2018-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

I called and was told there is a wage garnishment in place. I asked what I the debt can you provide original documents because I was a victim of identity theft. XXXX XXXX   XXXX tried to collect this debt and was unable to provide proof of debt and did not serve me properly. Now Fein, Such, Kahn and Shepard now want to collect all they sent was a wage execution letter. I was not served with any notice prior to this.
Consumer complaint received 2018-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

In XX/XX/XXXX I started repaying my loans. I have always paid more than what I was required to pay monthly. Navient, my loan servicer wasn't handling my over-payments in a way that I felt best benefited me. So I called and got a run around. I was ultimately provided an advocate. 

The advocate failed to get the job done and did little more than hear my complaint. After about 6 months, I called again as my payments weren't going where I told them to go. The advocate got frustrated with me and then I was assigned a new advocate. At that time I created an automated email to go to the new advocate so that Navient would have a proper list of exactly the locations where I wanted my payments to go. 

Flash forward a few months, and I learn that Navient was disregarding the directive emails. I called livid and was assigned a new advocate and this time was promised that they would do what I asked. So now it is early XX/XX/XXXX and my payments are supposed to be retroactively reapplied. I asked for a comparison of before and after application that way I can verify their work. I was told they can do that. 

Flash forward a few 10 months, I am told by my advocate that Navient made the proper appropriations and magically my account history is no longer retrievable. I lodge formal complaints and get nowhere. After about 6 months of hem hawing with XXXX XXXX, my new advocate, I am able to retrieve my account history one time online. I look at the history, but nobody at Navient is able to provide me a ledger so that I can compare before and after the changes. Flash forward to late XX/XX/XXXX and I am provided a 147 page PDF of pictures of a ledger that isn't labeled and I am told that is the best Navient can do. Plus I still can't routinely access my account history. 

Couple all these problems and it makes for disenfranchisement. Add to that, the fact that Navient doesn't keep a ledger balance for any student published. They keep it for themselves, but if you want to know to the day what your balance is, you have to guess as even the advocates can't say for sure. I don't know if what I owe is accurate. Navient is no longer responding. I have asked to speak to management and at this point I am looking to speak with them or executive leadership. This isn't how business is supposed to be run.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-02-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I received a response from XXXX XXXX and I am not satisfied with the response from XXXX XXXX. XXXX XXXX denied my request to remove a 30 day past due on my credit report. I attempted to make a payment using my phone and I thought the payment went through to my knowledge but it didnt as I later found out. XXXX XXXX website has been down multiple times over the past couple years and I believe this was the source of the problem. When I finally found the error in nonpayment - I posted a payment that was I believe 31 days late and I paid the current bill. I recently changed my cell phone and XXXX XXXX was unable to reach me to notify my of the late payment. XXXX XXXX is purposely trying to keep this damaging information on my credit report when I was only 31 days past due. 

XXXX XXXX is not being truthful when it states the customer has received two invoices to advise of the account 's need for payment. No late payment notices or invoices were sent to my current or previous address. I have never been 30 days past due on any of my previous payments to XXXX XXXX in the past 4 years nor have I been late on any bills for the past 10 years. It is disheartening to learn XXXX XXXX has such a hardline attitude towards the circumstances of my situation.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

after reviewing my credit report i saw that this creditor have leading and false information on my credit report, XXXX XXXX in the amount of {$10000.00},
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is reporting this account as charged off in a chapter XXXX bankruptcy and the account as closed. This account was never included in my chapter XXXX and was paid on time on the outside of chapter XXXX. The account is open and being paid in a timely manner as agreed.