davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/2016, I received a letter from XXXX XXXX XXXX stating that I won the amount of XXXX . Their only requirement was to show up at XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, Texas XXXX to claim my price. 
Once I got there, they asked for my personal information to make sure that I was the winner. After several minutes of waiting they told me that I wasnt eligible for the promised XXXX . Right after that disappointing they tried to sell me a car, which I didnt wanted. Thats when Ive noticed that it was all false advertisement and left the place. What upset me more about this situation was the fact that they ran my credit twice that day without my consent. Now Ive noticed that there is two unwanted inquiries on my credit report, under the name of XXXX XXXX.
Consumer complaint received 2017-06-19
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. (MI)

i contacted the three credit report agencys. XXXX, transuion, and XXXX concerning the inquires that are on my credit report. 6 months ago I contacted them with a letter asking for them to be removed as they are not mine and they are not associated with anything I own or have ever owned. I then received letter back from all three that were just computer generated saying they have investigated and they belong there. I sent them out letter again stating these were not mine and asked them to provide proof they have these inquires are mine and I approved someone to run my credit.. during this time of the second letter I froze my account through some agencys and am trying to make sure nobody is accessing my credit again. I received the same generated email from all three companies stating the same thing but did not provide me with any documentation that they received proof these items are mine and I approved anyone to run my credit. I reached out to several of the companys that are listed as inquires and have never gotten a response back or anything letting me know who would give permission to run my credit.
Consumer complaint received 2017-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

I wrote a letter to Freedom Mortgage on XXXX XXXX, 2017 to request removal of the PMI on my mortgage. I attached a copy of the most recent appraisal provided by Freedom Mortgage. The value of the property is {$140000.00} my principal balance is {$110000.00} leaving a LTV of 78.58 % I received a letter in response dated XXXX XXXX, 2017 that stated they were unable to approve my request because my LTV was greater than 80 %. I have written another email dated XXXX/XXXX/2017 to the rejection letter requesting the PMI to be cancelled.
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Outsource Group, Inc (TN)

I have now tried THREE TIMES via direct dispute with XXXX, XXXX, and oh boy, XXXX! to have the account status of a PAID COLLECTION FROM XXXX XXXX updated CORRECTLY. For SOME REASON, when I paid it off, it was updated as " debt included in or discharged through bankruptcy chapter XXXX '' " debt included in personal recievorship. '' I HAVE NEVER EVEN FILED FOR BANKRUPTCY LET ALONE COMPLETED ONE! I've called the creditor to have this removed, they swear they never reported it! I've disputed it THREE TIMES with the credit bureau who EVERY TIME swears, the creditor confirmed the information is correct! NOW I DON'T KNOW OR EVEN CARE WHERE THE DISCONNECT IS, I WANT IT FIXED! PAID COLLECTION! HOW HARD IS IT TO CHANGE THE STATUS TO " PAID COLLECTION?! '' IF YOU CAN'T DO THAT, REMOVE IT FROM MY CREDIT REPORT ALL TOGETHER! 

XXXX XXXX is the creditor and they are the ones falsely reporting this information! I've called to have this updated and they SWORE OVER AND OVER THEY NEVER REPORTED IT AS PERSONAL RECEIVERSHIP INCLUDED IN BANKRUPTCY BUT WHERE ELSE COULD IT HAVE COME FROM?! They get notified everytime I submit the dispute and I included comments specific to the account status being incorrect! WHY CAN'T THEY JUST REPORT IT AS A PAID COLLECTION?! IF IT'S THIS MUCH TROUBLE, JUST DELETE IT FROM MY REPORT! I have NEVER had SO many problems with something SO XXXX simple!
Consumer complaint received 2018-08-26
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX Acct XXXX ( Experian, XXXX, XXXX ), XXXX Acct XXXX ( Experian, XXXX  ), XXXX XXXX XXXX XXXX Acct XXXX ( XXXX  ), XXXX Acct XXXX XXXX Experian , XXXX  , XXXX ), XXXX XXXX Acct XXXX ( Experian , XXXX , XXXX ), XXXX XXXX XXXX XXXX Acct XXXX ( Experian , XXXX ),  XXXX XXXX Acct XXXX ( Experian , XXXX  ), XXXX XXXX Acct XXXX ( Experian ), XXXX Acct XXXX ( Experian , XXXX , XXXX  ),  XXXX XXXX Acct XXXX ( Experian , XXXX  , XXXX  ), XXXX XXXX XXXX Acct XXXX ( XXXX , XXXX ), XXXX Acct XXXX ( Experian , XXXX  , XXXX ), XXXX, XXXX Acct XXXX ( Experian ), XXXX XXXX XXXX Acct XXXX ( Experian , XXXX , XXXX ), XXXX XXXX Acct XXXX ( Experian , XXXX , XXXX ).
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AR)

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. 

I am requesting that the following account be verified or removed immediately. 

UNKNOWN US BKPT CT AR LITTLE R Date Filed XX/XX/2016 Type Bankruptcy chapter XXXX-discharged Reference XXXX Plaintiff
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (NY)

I GOT A CALL SAYING I OWED XXXX BY A DEBT COLLECT EASTERN ACCOUNT SYSTEM, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bepensa Capital, Inc. (TX)

In short, AFS Acceptance financed a vehicle to me in XX/XX/XXXX. The vehicle was NEVER registered to me and I have not been able to use the vehicle though I made every payment on time, through XX/XX/XXXX. Beginning XX/XX/XXXX, I requested AFS to take action to obtain the registration and license plates I had paid for and subsequently been billed for. Months passed before AFS finally contacted me to inform me they had to " double pay '' to obtain the title and would be sending me the registration/tags. I NEVER received them. I tried to trade the vehicle in for another one in XX/XX/XXXX, I was informed this vehicle was titled in someone else 's name and had a different lien holder listed. In XX/XX/XXXX, AFS 's Title Manager admitted to me that AFS had NEVER obtained a title for the vehicle. I asked for the amount I had been billed upon the loan initiation ( for taxes, tags, documentation fees, and registration fees ) to be credited to my account from the date of initiation so that I would also be credited for the finance charge for said monies. 
SHE REFUSED. She also informed me AFS had filed for a bonded title with the State of Texas in late XX/XX/XXXX. In XX/XX/XXXX, I filed a complaint against the auto dealership and then found out AFS had NEVER applied for any bonded title. I contacted an attorney at that time and was instructed NOT to pay anymore on this fraudulent loan. AFS was informed of my intent to sue and they were also instructed NOT to make any false or negative reports to the Credit Bureaus. I am providing documentation including emails from AFS representatives LIEING to me about having possession of the title, and correspondence from my attorney, XXXX XXXX. I can also provide a chronology of events with evidence I have to substantiate my claims. I do not want AFS to have access to those documents at this time as there is a lawsuit pending for Deceptive Trade Practices and Fraud.
Consumer complaint received 2018-08-26
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. (FL)

My student loan was in forbearance last year and my first payment was to be paid XX/XX/XXXX. I have two loans that are to be paid on this date. One in the amount of XXXX and the second in the amount of XXXX. I scheduled with my bank for the payments to be sent on the XXXX of every month starting in XXXX. So on XX/XX/XXXX my bank sent the payments as scheduled. On XX/XX/XXXX I received a notification from my bank that a second set of payments were withdrawn from my account from Navient for the same XXXX and XXXX with then overdrew my account by XXXX. I went on my account with Navient and saw the account had been set up for autopay and my banking information was on the account. I never set up this autopay through Navient, I did not input any banking information nor did I authorize any autopay. I went to the bank and spoke with the branch manager and was told I can put a stop payment on the payment but I would have to incur a XXXX stop payment fee on each payment so it can correct itself. I also have to have the late payment affect my credit, when the autopay was never authorized in the first place. When I called Navient to speak to someone, I was just told by a recording the offices were closed until Monday at XXXX. If a business can take my money on a Saturday then they should be available on a Saturday.
Consumer complaint received 2018-08-26
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: Experian Information Solutions Inc. (TX)

I am a victim of the XXXX data breach. I now have 12 recent hard credit inquiries on my report. I have written, called and filed complaints. Today, I called and was able to get my credit report locked. Now I need these inquiries removed.
Consumer complaint received 2018-10-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo is misapplying payments across two student loans and charging unwarranted late fees. This is an ongoing issue with Wells Fargo. 

The most recent occurrence involved full payment to them on XX/XX/XXXX, and then receiving a letter stating they are imposing a {$140.00} late charge on XX/XX/XXXX.
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

OnXX/XX/XXXX I mistakenly paid XXXX XXXX {$3300.00} using pay online with XXXX XXXX XXXX. I had a {$0.00} balance with XXXX XXXX. The payment was meant for a different credit card. I contacted XXXX XXXX the next day to explain my error. They promised that the money would be credited to my XXXX XXXX XXXX account within 10 business days. I did not receive the money. I contacted XXXX XXXX and was told that my account was not valid. I explained that this is not possible. I did not provide any account information to XXXX XXXX they had it all on file. I still use this account to pay my bill. I was told that a check had already been mailed. That check never arrived. I contacted XXXX XXXX  again and was told that they had the wrong address. I explained that may be the reason that the credit did not go through. They refused to credit my account again and also refused to allow me to pick up a check. I explained my concern that I am paying interest on the account that I actually owe. They claimed that another check would be mailed. I followed up with XXXX XXXX and was told that the check should be at my home no later than XX/XX/XXXX. I have been out of town, but upon my return on XX/XX/XXXX there is no check here. I have made numerous calls to XXXX XXXX and at this point, I feel that I am being lied too. I recognize that this started as my error, but I do not feel that it should take 2 months to rectify.
Consumer complaint received 2017-06-20
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On    XXXX   XXXX   XXXX    and in   XXXX   XXXX   I notified  Capital One  that the balance they were/are reporting for account is incorrect.      Capital One fil ed a  XXXX  notice with the IRS in  XXXX  declaring {$700.00} of that account was cancelled. As required by law, I declared that amount as income on my  XXXX  tax return.     Therefore, the balance being reported should only be {$440.00}. Not the {$1100.00} that  Capital One  is reporting to the credit bureaus, and also being over credit limit.     I submitted a fair and reasonable offer to settle this account. This was based on the corrected amount and also  Capital Ones  various FCRA violations in the handling of this account.     They have failed to respond to the notification of the incorrect balance being reported, or to the settlement offer.
Consumer complaint received 2017-06-20
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: Ad Astra Recovery Services Inc (TN)

I file 2 comp laints within    2017  with  Ad Astra Recovery Service within  the last year to delete the inaccuracy on my credit reports. The account is not mine. I never had a account with them or the company they are representing. The have not deleted the account and its causing a negative impact on my credit report and  credit score. I   also file a complaints via the Better Business Bureau on   XXXX  17   and Ad  Astra Recovery Service r efuse to remove the account and also on  XX/XX/2017   . The amount that is showing on my credit report : {$600.00}. I do not not have a signed contract with  Ad Astra Recovery . I asked them to provide a contract between this collection and I and they have yet to provide this info. Mainly because I do no t have one
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

your company failed to provide the required notice of additional required documents w ithin five ( 5 ) b usiness days in violation of Regulatio n X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore , this client 's application is entitled to be treated as facially complete pursuant to Regulation  X, 12 C.F.R. 1024.41 ( c ) ( i v ).
Consumer complaint received 2018-08-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

I had a XXXX XXXX, but XXXX County canceled the occupational license, because of their mistake. The house was not in commercial zone and they gave me by mistake a permission, so because of their mistake I lost all my capital plus the money that I had as loans or mortgage. I could not pay the mortgage and could not use the boarding as before, the price of the real estates also came 50 % down, so I could not sell and pay the bank. The water damaged the building, and insurance co. XXXX XXXX did not pay, the tenants did not pay and also stole my XXXX XXXX. Sheriff did not take it seriously and so I was robbed from many sides. I got also bad credit score and could not work other places. You see I robbed from many side and the system was indifferent, how can I pay, in the time, people did not pay the rent, robbed my fully furnished XXXX XXXX, insurance co,. did not pay the water damage and robbing, bank took the XXXX XXXX and did not cooperate with me. I spent over XXXX dollars for the XXXX XXXX and the bank sold it for XXXX. the people robbed me, it is fine, insurance co. did not pay it is fine, bank took my boarding school and sold cheap, it is fine and I hired attorney for modification, he said, I should give the building back ... I hired attorney to sue the county, she said, she will not do it. So I could not pay the student loan, too. I was persecuted in XXXX, because of XXXX and XXXX religions and here I am totally robbed and nobody help. I hope you can do it.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

showing on my experian credit score, As length of time ( or unknown time ) since account delinquent, this information has been in my account since 2000 and not sure why credit report would remove it.
Consumer complaint received 2018-08-26
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. (TX)

Good evening, Please delete the XXXX account from my credit report. All the information displayed on all 3 reports is different. The company address does not match on each credit. In some cases the address does not match the company. The comments are different and the dates listed are different. As well the amounts listed are different. How does the information come back as verified if all the information is different on all reports. What is being verified? The information has been disputed several times.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

Inquiries from indentity theft and they refuse to remove with clearly they notice and recognize my situation no help from consumer services please help me just the them removed 3 inquiries   XXXX   XXXX   and  XXXX  I need them to be removed from my credit
Consumer complaint received 2018-08-24
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. (TX)

Good afternoon. I have disputed several Medical collections on my credit report and each and every time the information comes back as verified. For starters, I should not have any unresolved medical bills. Furthermore, how are the Credit Bureaus verifying the information? HIPAA laws restrict certain parts of my medical files. My personal medical information can not be released to the Collection Agency without my consent and I dont recall signing an agreement with the Collection Agency. Its it the Credit Bureaus responsibility to verify information before inserting it in my Credit Report. I want this unverified, incorrect information removed immediately for all ( 3 ) Bureaus. The accounts have been highlighted.
Consumer complaint received 2018-08-26
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)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX Acct XXXX ( XXXX, XXXX, Transunion ), XXXX Acct XXXX ( XXXX, Transunion ), XXXX XXXX XXXX XXXX  Acct XXXX ( XXXX ), XXXX Acct XXXX ( XXXX , XXXX  , Transunion ), XXXX XXXX  Acct XXXX ( XXXX , XXXX  , Transunion ), XXXX XXXX XXXX XXXX Acct XXXX ( XXXX , XXXX ), XXXX XXXX Acct XXXX ( XXXX , XXXX  ), XXXX XXXX Acct XXXX ( XXXX ), XXXX Acct XXXX ( XXXX  , XXXX , Transunion ), XXXX XXXX Acct XXXX ( XXXX , XXXX  , Transunion ),  XXXX XXXX XXXX Acct XXXX ( XXXX , Transunion ), XXXX Acct XXXX ( XXXX  , XXXX , Transunion ), XXXX, XXXX Acct XXXX ( XXXX  ), XXXX XXXX XXXX Acct XXXX ( XXXX , XXXX   , Transunion ), XXXX XXXX Acct XXXX ( XXXX , XXXX  , Transunion ).
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

As an individual consumer I thought it was prudent to put credit freezes in place with each of the 3 credit bureaus immediately following the Equifax data breach. I was attempting to change XXXX XXXX providers for my home since my current agreement is about to expire. It occurred to me my new provider would need to do a credit check and they confirmed they only do that with Equifax. I first went to www.freeze.equifax.com to process a temporary lift on my freeze. I entered all information exactly as specified and received the following notice " We're sorry ... we can not process your online request concerning an Equifax security freeze. '' The Gas company I was working with game me the Equifax number of XXXX which turns out to be a call center in the XXXX. I spoke to a representative there who after taking all of my info ( SSN, address ... etc ) came back on the line and told me they have to interface with the " Specialty Department '' and that I would need to " call back tomorrow '' and that this entire department was not available today ( a Thursday and non-holiday ) at XXXX EDT. I spoke to a Supervisor who then told me the same. I then spoke to the Manager named " XXXX '' who confirmed the entire Specialty Department was the only department that could help me and they were unavailable today. He also confirmed with me several times that he had no Boss/Manager and that he was the head of the operation. Absolutely ridiculous. So as it stands at the moment, I CAN NOT switch XXXX XXXX providers because Equifax is proving once again to be completely incompetent.