davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (TX)

I have contacted GM Financial to update my credit reporting. This account has not been updated since XX/XX/2016. The balance and payment histories are inaccurate and they refuse to update it. I have written to them and contacted XXXX in the message center.
Consumer complaint received 2018-12-08
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. (WI)

CHIEF EXECUTIVE OFFICER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX   Respondent XX/XX/2018, RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON CORPORATIONS CONTRACT, FOR DETERMINATION OF MEETING OF THE MINDS, FRAUD ON THE CONTRACT, AND/OR AN UNCONSCIONABLE CONTRACT AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE, CONFIRMATIONS # XXXX ; # XXXX ; AND # XXXX.

Dear Mr. / Ms. CEO : I am in receipt of and conditionally accept for value ( honor ) your statement of report for XX/XX/XXXX datedXX/XX/2018. A copy of your statement of report is enclosed.

In response to statement of the report you provided, I am conditionally accepting your offer for the unverified items contained in the Confirmations # XXXX ; XXXX ; and # XXXX, upon proof of claim that : 1. PROOF OF CLAIM that Respondent show under the FCRA ANY copy of the original creditors documentation on file ( a consumer contract with my signature on it ) that you verified, and that this information is mine and is correct as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

2. PROOF OF CLAIM from your department 's documentation showing method of verification as required under Section 611 ( a ) ( 7 ).

You have ten ( 10 ) days from receipt of this Conditional Acceptance to respond on a point-by-point basis, via sworn affidavit, under your full commercial liability, signing under penalty of perjury that the facts contained therein are true, correct, complete and not misleading. Mere declarations are an insufficient response. If an extension of time is needed to properly answer, please request it in writing. Failure to respond will be deemed agreement with the facts stated in the attached Affidavit and inability to prove your claim, thereby indicating your agreement to the facts stipulated herein enclosed commercial affidavit.
Consumer complaint received 2023-05-23
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-12-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc. (TN)

I found a negative collection report on my credit report by SCA in XXXX because I applied for a mortgage loan. I disputed the collection because I never received a bill or notification of the bill from SGA. XXXX was handling my credit report for the bank and they submitted a dispute on my behalf to the credit bureaus. I was informed by the lender that the negative report was removed and I got the loan. I was unaware that it was only removed from XXXX XXXX. So, in XX/XX/XXXX, I applied for a loan and found out that the SCA collection is still on my credit report at XXXX and XXXX. I submitted a dispute with XXXX  because the bank used XXXX  for my application. XXXX  responded and let me know that SCA did not want to remove it because they said, it was a valid charge. I contacted my insurance company ( XXXX ) to validate the charge, but they did not have any information about the charge in their system from XXXX. 

Last week, I filed a dispute with both XXXX  and XXXX based on the same fact that I don't know about this collection from SCA and I have not received a bill for it and I can't verify the information.

I called SCA today, XX/XX/XXXX and spoke to XXXX. After explaining the situation to her, I offered to pay the amount to resolve the matter. I requested from XXXX to kindly submit a deletion certificate of the collection from my credit report after I pay. She said, she couldn't. I requested for a supervisor to call me to see if she can assist me. XXXX XXXX, ext XXXX is the supervisor that called me back. I explained the situation to her too and offered to pay the amount in full, and requested for it to be removed from the other 2 bureaus, based on the fact that I was notified I owe the money and I can't verify it with my insurance company. She told me that is not a valid reason. She added that, the reason that it was removed from XXXX XXXX could be, because they have a different policy in regards to deleting paid collection, but she could not submit a certificate of deletion request to XXXX or XXXX. I told Ms. XXXX XXXX that since I did not receive a notification of the money owed from them, it was grounds to delete it from my record if I paid for it. She however, did not agree with me. I paid the bill ( {$300.00} ) in full and informed Ms. XXXX XXXX that I will file a complain with CFPB ( your office ) and she asked me to go ahead,
Consumer complaint received 2021-04-03
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. (NY)

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I called XXXX XXXX they are reporting a wrong address and refuse to change it!!! I lived at XXXX XXXX in XXXX XXXX! I moved out because of XXXX heads moving in the pool area and left! I gave permission for XXXX XXXX to empty the apartment with a signed letter he gave his personal forwarding address and now XXXX XXXX   reports this address as mine!!! I called on numerous occasions to fix and they refuse to help last call was XX/XX/XXXX. All I gave XXXX permission to do was empty the apartment and that's it and XXXX XXXX permission to let him that's it not give a false address!
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (MS)

To whom this my concern, I have dispute several accounts or more on my behave in witch when I have first got started also pull my credit for the following companies : On all 3 credit reports I request to update all my information still to come in 4 months time I see some items are being deleted also coming back on different address I still maintain some of the items are over 5 to 10 years or longer is still being reported I fill like if these items are showing off close charge offs or no date for the time period it should be removed
Consumer complaint received 2019-03-01
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: ID Analytics, Inc. (NY)

My identity has been compromise, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a plolice report will be filed as is requested by FCRA. None account holding inquiries and any address other than my current should be removed, opt me out of all pre-screening offers and opt me out of your systems.
Consumer complaint received 2018-05-21
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. (MD)

In XX/XX/2018, I brought my mortgage current by paying the past due amount on the account. I was informed by the mortgage company that by doing that, my account will now be reported as current. My recent credit report is still indicating my account is 120 days delinquent which is inaccurate. I have contacted the mortgage company and they keep telling me that they have fixed the issue, however, my two recent credit reports are indicating they are still reporting inaccurately. I am requesting that XXXX update the 3 credit companies with the most current account information and stop reporting the account as being 120 day delinquent which is inaccurate. Additionally, I only have one account with XXXX but they have two accounts listed on my credit reports which is also inaccurate and i need then to delete the additional account on my credit reports.
Consumer complaint received 2019-08-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (VA)

On my credit report, the collection agency has reported twice for the same original creditor which is XXXX XXXX XXXX XXXX but for two separate amounts. One for {$580.00} and another for {$1500.00}. I do believe this creditor is trying to get additional monies because one is {$1000.00} more with the exact amount in the hundreds. I also have not received anything from them stating this debt. Just something on my credit report.
Consumer complaint received 2019-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BB&T CORPORATION (OH)

Multiple accounts were opened with BB & T Bank on or around XX/XX/XXXX. When I checked my credit score at some point in XXXX I disputed the accounts, among multiple other accounts with different banks, as they were a result of identity theft. I contacted all three credit reporting agencies. I am currently unaware of my credit reports other than with XXXX, but I intend to get the other reports soon to make sure they are accurate. 

I contacted the banks involved to notify them of the fraudulent accounts. XXXX has since removed all fraudulent accounts from my past open and closed accounts on my credit report. BB & T is still reporting derogatory remarks and will not accept my dispute for one of the accounts (  {$4400.00} ) .The other account ( {$500.00} as of XX/XX/XXXX ) has been recognized as identity theft, as it is not on my XXXX credit report anymore. They have denied my identity theft claim for the existing account at least 3 times. 

I submitted an identity theft affidavit to BB & T on XX/XX/XXXX. The first time they denied my claim, they requested proof of residency from XXXX on XX/XX/XXXX. I provided that on XX/XX/XXXX via email. After waiting for a response and checking to see if it was removed from my credit report, I called and they told me that they had never received it, I sent it again on XX/XX/XXXX. Once I sent it again and waited for a response, they told me that the identification card that I sent them needed to reflect my current address. I sent them an updated copy of my ID within a few days of going to the BMV to get a new one on XX/XX/XXXX. I called on XX/XX/XXXX to see what the status of my case was and they informed me over the phone that the signature they had on their documents matches the one they can see on my ID I'm assuming. 

I feel as if they find a new reason to deny my claim every time and they are illegitimate, as I have provided everything they have asked for. I also submitted a complaint to the company on XX/XX/XXXX for the terrible time I have had dealing with them and their staff. The person working on my case was out on medical leave for months and my information sat on her desk, while I received derogatory credit reporting. I was informed that I would receive a response for my complaint in 15 business days. I have never heard anything back. 

I also received a debt collection notice ( XXXX XXXX XXXX ) on XX/XX/XXXX with regard to an account with BB & T for XXXX. I believe the identity theft could be a result of a data breach with a local government on XX/XX/XXXX. I have also had a tax return filed in my name ( eventually received my return ) and had a phone bill opened up in my name that went to collections ( since resolved with XXXX ). I have filed two police reports on this matter.
Consumer complaint received 2021-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (PA)

On XX/XX/2020 I paid a debt to XXXX XXXX XXXX  XXXX in the amount of {$330.00}. I have a copy of my bank statement confirming the payment. I have continued to get collection notices from Credit Control LLC for nearly a year regarding the payment. I have sent them copies of everything, called them, written them to no avail. This is negatively impacting my credit score and I am getting nowhere with them.
Consumer complaint received 2019-03-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (VA)

I did a harp in 2010 because my son was in a bad accident and I had to take care of him and fell behind. I did a loan mod which was supposed to catch me up and get me back on track. Instead of my loan amount being XXXX it is now XXXX. I was given assistance from the government and my lender put XXXX dollars on my loan and I now owe XXXX. I have made consistent payments and need someone to look into this for me. I keep asking questions and I dont get any answers. This company was nationstar and was know for predictory lending! I need help to look into this for me please. 

XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (NE)

I bought some {$70.00} product from sears last year they gave me sears card and asked me not to pay at store they will email me online link to pay which i never received. There were no followup regarding payments and i was waiting for the email which never came. After 4-5 i started getting call asking me to pay XXXX $ as it went to late payments. They tricked me as i was new and did not know about the process. I paid the around XXXX $ and asked them to close the account. This made my credit score fall down to some 500. I always made payment on time even before time but because of this fraud I am still suffering. I was student and couldnt afford a car or loan as my credit score was so low just because of sears which was made by them. They never called me, they never emailed me anything and kept it for 4 months and then stared calling me asking triple time what my actual balance was. 

After making clear all balances also my score is not going up. 
I really need help and want my score to go up as the things which is affecting my score is not correct it was not at all my fault it was sears which made all this.
Consumer complaint received 2018-05-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company (IL)

My Parents are first time home buyers. The Mortgage Company is Guild Mortgage ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX, IL XXXX ; XXXX Office ; XXXX Cell ; XXXX XXXX Branch Manager. 


My Parents went to XXXX XXXX 's office on XX/XX/XXXX to sign the Mortgage Papers, at that appointment XXXX reassured us that the Interest rate which was 4.25 % and the Payment which was {$590.00} WOULD NOT INCREASE BECAUSE WE ARE LOCKED IN. Our first closing date was XX/XX/XXXX, It was Cancelled by XXXX due to a glitch in the Deed of the home and had to be fixed before signing. After many calls, and emails, and text messages trying to find out when the closing would be, it was pushed to XX/XX/XXXX. We said ok, then got another message saying no closing on XX/XX/XXXX. No reason why, just couldn't do it. My parents went to the closing on XX/XX/XXXX. NO IDEAL anything had changed, signed the papers that was handed them without explanation, Then when he was leaving the closing, told us that the Interest and payment went up, I called it to his attention that NO WAY they could go up because you SWORE to us nothing would change. My parents are on a fixed income, ages XXXX & XXXX and had done budgeted the original mortgage. The Interest went up to over 5 % is what he told us, and the house payment went up to {$650.00}. 

This man knew that the Interest and payment agreement ran out on XX/XX/XXXX and never once told us. NEVER called my parents home, never sent a letter, email or text. WE are OUTRAGED. My parents also qualified for the XXXX County community Development ; XXXX XXXX XXXX ; XXXX, IL XXXX ; for the amount of {$4300.00}. Seller was responsible for closing costs. We had been told that my parents would receive a check at closing and could be used towards the update on the home. 

My parents have been lied to, taken advantage of, and I am outraged. They never received a penny from closing, they also had to pay an outstanding tax bill in the amount of {$3000.00} and an outstanding Sewer bill in the amount of {$270.00}. NO ONE TOLD US ANYTHING ABOUT THIS OR WE WOULD NOT HAVE PURCHASED THE HOME!!!!!!!! Closing cost went from {$4200.00}. to over {$8000.00}. HOW in the world doe they get away with this???? ALL LIARS. My parents are on a fixed income like I said, and to someone like XXXX the extra {$70.00} dollars isn't much, but when you go without food so that you can purchase your husbands XXXX at over {$300.00} a month, that {$70.00} dollars adds up. We will stand behind anyone that will get this company for the pitiful lies they tell people.
Consumer complaint received 2023-05-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am having issues with getting errors fixed on my Transunion credit report. I notified them on several occasions and they illegally verified the information without providing proof and continue to report it even though they have all the required documentation that proves that it is wrong. They are basically giving me the run around and sending the same response. I feel I have no choice but legal action against them.
Consumer complaint received 2023-05-23
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

I deposited {$300.00} on my XXXX Credit Card with Barclay Bank on XXXX XXXX, the payment was received into my account on XX/XX/19 but a hold was placed on the funds. I am not able to use the funds that I need for purchases, when I called Barkley bank they said they are holding the funds until XXXX XXXX because they do not know if my Bank ( XXXX ) may rescind on the funds? I told them the funds have already been taken out of my account but they still insisted that they will keep a hold on my funds until XXXX XXXX - I would like my funds released so I can use at will, I have never had funds held by a credit card company before and this does not make any sense whatsoever.
Consumer complaint received 2019-08-16
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. (IL)

Equifax ; XXXX  and XXXX are reporting incorrectly a ( XXXX0 ) day late on the XXXX XXXX XXXX account number XXXX. ( Please see page 2 of my credit report attached. ) I normally receive a paper statement each month on this account delivered by US mail. I never received a statement. When I realized I never received this bill, I immediately paid it. The payment was made on time, however  XXXX XXXX XXXX did not apply this payment in a timely manner. They have now zinged me with a late payment. This incorrect reporting is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Hi, I have an installment loan that is appearing as a " Mortgage '' on my credit report on all three credit bureaus. I have a letter from the loan company that has stated that this loan is an " Installment Loan '' and should NOT be classified as a mortgage. The loan was to purchase a water softener that was {$5800.00} and the loan is only secured by the equipment that was financed and is NOT secured by my home. I have disputed this information with all three bureaus but they keep saying the information is correct even after I give them the letter from the company which is called " XXXX XXXX XXXX '' which states that this is NOT a mortgage account. The bureaus and the loan company both blame each other and nothing get 's done. Besides taking legal action I don't know what to do. 

As of XX/XX/19 I have disputed all my reports which resulted in no changes. As well as disputed this information directly with the loan company which they keep saying is the fault of the credit bureaus. I have documentation which proves this is not a mortgage and should NOT be classified as a mortgage account on my credit report.