davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-09
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. (PA)

Experian XXXX Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number XXXX XXXX XXXX has Discrepancy in the High Balance, date open, date closed, creditor type, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 

XXXX and XXXX XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX
Consumer complaint received 2019-10-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (AZ)

In XX/XX/XXXX, I discovered an allotment of {$35.00} bi-weekly from my payroll ( with the U.S. Postal Service ) to PNC Bank. When I called the bank, the bank told me there was no record of this allotment. I cancelled this allotment on XX/XX/XXXX. I fell ill, and forgot about this problem. Recently, I ran across the printout from the Postal Service where I cancelled this allotment to PNC. I decided to pursue this inquiry, as I do not recall ever authorizing this allotment or withdrawing any money that went to PNC Bank. I provided PNC Bank with a copy of the allotment cancellation, which included the Routing Transit Number XXXX, Account Number XXXX, Account Type Savings and Amount {$35.00} bi-weekly. I sent this information to PNC Bank by certified mail. PNC Bank replied on XX/XX/XXXX stating they are " unable to locate an account on file at PNC Bank ''. Signed only by " PNC Bank Retail Operations ''. I don't know how many times the {$35.00} allotment went to PNC -- I didn't catch this allotment till XX/XX/XXXX. I don't know if there's been any fraud involved, but my money seems to have disappeared. I would appreciate it very much if you would investigate as I am not getting any cooperation from PNC Bank. Thank you.
Consumer complaint received 2019-10-09
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: ProCollect, Inc. (CO)

XXXX  has not provided me with a way to check on the status of two disputes I have submitted on my credit report : Creditor : XXXX XXXX XXXX XXXX # XXXX** XXXX and Creditor : PROCOLLECT INC # XXXX I have attempted to get the status on the website but it sends me in a loop. I log in and then it brings me to another login page again over and over. I attempted to get answers via their XXXX page and they referred me to their customer support number which I called and waited on hold with for 25 minutes on two separate occasions where I was disconnected both times.
Consumer complaint received 2019-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Sold our home on XX/XX/XXXX. Received letter stating our escrow check would be refunded within 30 days. After not receiving check we called on XX/XX/2019. They said check had been sent out! We said we had not received check.They canceled check. On XX/XX/XXXX we received a checked dated XX/XX/XXXX with a USPS canceled envelope date of XX/XX/XXXX. We cashed the check since we believed that the check was in good order and since it was postmarked XX/XX/XXXX. Check then bounced. Called company they said that sent check on XX/XX/2019. As of XX/XX/2019 we have not received a check for our escrow balance and we have incured stop payment fees of {$10.00}. This Servicer Select Portfolio Servicing Inc. has been using our money and not refunded our escrow funds in a timely manner with in the 30 days. It has now been almost 60 days and we still have not received our escrow funds which is in excess of {$4700.00}.
Consumer complaint received 2019-05-01
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: Santander Consumer USA Holdings Inc. (NC)

My ex husband and I purchased a vehicle that was originally financed through XXXX XXXX XXXX in XXXX of XXXX - the loan on the vehicle was sold to SANTANDER CONSUMER USA in XXXX of XXXX. Our loan was paid on-time with no late payments for the duration of the loan and shows as such with both companies on my credit report. 

On XX/XX/XXXX of XXXX the vehicle was in an auto accident that resulted in the car being totaled out by our insurance company. The vehicle was deemed a total loss by the insurance company on XX/XX/XXXX. 

The insurance company, XXXX issued a payment to SANTANDER CONSUMER USA for in the amount of {$1900.00} on XX/XX/XXXX. Which covered the balance owed on the vehicle - the remaining {$8700.00} of the value of the vehicle was paid to us, which was used to purchase a new vehicle. 

SANTANDER CONSUMER USA reports this account on my credit report as being 30 days past due in XXXX of XXXX, 60 days late in XXXX of XXXX and 90 days late in XXXX of XXXX - long after they had received final payments from the insurance company for the balance on the loan in XXXX of XXXX. 

I have tried disputing this with all of the credit bureaus. SANTANDER CONSUMER USA refuses to fix this error and remove the erroneous late payment marks off of my credit report.
Consumer complaint received 2020-01-21
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. (MS)

I got a notice from my report that they had closed my account ( XXXX XXXX XXXX XXXX XXXX ) on the  XX/XX/XXXX without my consent.I had this account for awhile and i would like for it to be open again cause its affecting my credit score
Consumer complaint received 2020-01-21
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. (MS)

I got a notice from my report that they had closed my account ( XXXX XXXX XXXX  XXXXXXXX XXXX ) on the XX/XX/XXXX without my consent.I had this account for awhile and i would like for it to be open again cause its affecting my credit score
Consumer complaint received 2024-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

On XXXX I received a statement with the " Paper Statement '' fee of {$1.00} added to it. When contacting the company, TJX Rewards Platinum Mastercard, I was told that the company does not need a consent because I have a choice, to switch to email only option, or cancel the account. 

The CFPB considers paper statement fees to be a type of " junk fee ''. 
Paper statements are an important consumer protection because they provide critical information and are a reliable way for consumers to retain records. 
If a company advertises a " free '' account but charges for paper statements, it could be a violation of UDAAP. The TJX Rewards Platinum Mastercard was advertised and until now was a free of " junk fees '' card. Therefore TJX Rewards Platinum Mastercard is in violation of UDAAP.

Kindly help me to curb the corporate grid. 

Many thanks in advance, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted the Credit Bureau several time to solve this problem. I have been contacted by XXXX XXXX XXXX XXXX XXXX about a debt that is in collection. I have disputed this item. I was contacted by another agency stated that they have this item in collection. I am not sure how two collection company for an item that I have no knowledge of can be inserted on my credit report. TransUnion claimed that they verified the item which is untrue.
Consumer complaint received 2019-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have a car loan with XXXX XXXX in XXXX XXXX IA. This is reporting to XXXX but not showing on transunion. I have contacted both companies multiple times but they just keep bouncing me back and forth with no resolution. This has now been going on for a year since the account was opened. XXXX XXXX phone number is XXXX XXXX XXXX. Account number is XXXX
Consumer complaint received 2019-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

There is a medical debt on my credit report, with the collection agency being noted as XXXX XXXX, with the debtor being noted as XXXX XXXX XXXX. It is noted that this account was opened on XX/XX/XXXX in the amount of {$980.00}. 

I was not even living in Pennsylvania in XX/XX/XXXX, I was living in XXXX for the first few months of XX/XX/XXXX then moved to XXXX in XX/XX/XXXX. There is absolutely no way this debt is mine. Furthermore, I have never been to XXXX XXXX XXXX nor have I ever received a bill from XXXX XXXX XXXX. 

I submitted a complaint with XXXX  and they did not remove this from my report. They stated that the debtor validated this debt, even though I told XXXX when I submitted the complaint that I have never been to this hospital. 

XXXX did a terrible job of investigating this claim.
Consumer complaint received 2019-10-09
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. (PA)

Equifax Department of Education Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number ( XXXX ) has Discrepancy in the balance, account number, date open, date closed, account rating, creditor type, payment status, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 

XXXX  and XXXX XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX
Consumer complaint received 2019-10-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Home Credit Corp. Inc. (SC)

Someone use my identity two years ago to get a car they checked 19 financial place to be approved I guess home credit was the one to approve them they got the car and now they continually contacting me to pay the bill when I pay for all my car cash and used I contacted the credit bureaus about theses list of inquiries before I got ask 100??? But they were never took off XXXX XXXX when I contacted the place about it they sent me a letter saying the car was sold at a private sale but what that has to do with my identity being use without my approval
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (NJ)

I placed a security freeze on my SageStream file in XXXX and in XXXX attempted to temporarily lift the security freeze in order to attempt to obtain a loan with a company that used SageStream to verify identity. I contacted SageStream multiple times over the course of three days to attempt to reach them by phone and was unable to reach a live person ; in all cases, I left voicemail messages requesting that they return my call and still heard nothing.

I attempted again, multiple times over the course of three days, to fax a signed letter and proof of identity to the secure fax number that the company provides on their web site in order to have my security freeze temporarily lifted and the fax number was busy all throughout the three day attempt. 

My last resort would be to mail the information to them which would take far too long to reach the company to obtain the loan in a timely manner. 

It is criminal that these companies collect personal information regarding all manner of the lives of citizens and then provide no efficient and timely way to contact the company to protect this information or otherwise correct errors.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX account number XXXX is being reported as a closed account on my XXXX profile. This same account showing as XXXX XXXX XXXX with account number XXXX is reporting as an open account on my Transunion profile. 

Account number XXXX was closed as of XX/XX/year>2024.

Please correct this information as all credit bureau 's should reflect the same information and show account number as closed as closed. Please make this adjustment immediately as it is preventing me from rebuilding my credit profile.
Consumer complaint received 2020-01-20
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: EQUIFAX, INC. (TX)

ftc violations : sent police report 3 years ago people out there doing bad things with my information the address claim caused XXXX XXXX XXXX XXXX to be late that goes against fair bill act not sending payment to the correct location is against the law to report without giving a fair chance to pay debt. Also XXXX XXXX, XXXX  XXXX account it's law What is covered under the Fair Credit Billing Act? 
The FCBA allows you to dispute charges and temporarily withhold payment without hurting your credit score. If you've been charged for a product or a service by mistake or were overcharged on a recent purchase on your credit card, a decades-old law called the Fair Credit Billing Act can step in to help. 


sorry respect XXXX XXXX XXXX bless
Consumer complaint received 2020-01-21
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: EQUIFAX, INC. (TX)

I RECENTLY RECEIVED NUMEROUS PHONE CALLS FROM COLLECTIONS AGENCIES ABOUT ACCOUNTS I HAVE NO IDEA ABOUT. I EXPLAINED TO THE INDIVIDUALS I SPOKE THAT THESE ACCOUNTS DID NOT BELONG TO ME AS I HAVE NEVER RECEIVED OR SEEKED ANY FORM OF SERVICES FROM THE COMPANIES THEY'RE TALKING ABOUT. I WAS ADVISED TO FILE AN IDENTITY THEFT REPORT WITH MY POLICE DEPARTMENT. I DOWNLOADED A COPY OF MY CREDIT REPORT FROM XXXX AND FILED A POLICE REPORT WITH THE XXXX XXXX POLICE DEPARTMENT. I WAS ADVISED TO ALSO FILE AN FTC REPORT AND TO CONTACT THE CREDIT BUREAUS AND INFORM THEM THAT I AM A VICTIM OF IDENTITY THEFT. I AM VERY CAREFUL WITH MY INFORMATION AND I AM VERY SHOCKED SOMEONE COULD DO THIS TO ME. I HAVE NO IDEA WHO USED MY PERSONAL INFORMATION AND I HAVE NEVER AUTHORIZED ANYONE TO USE MY PERSONAL INFORMATION. I AM A VICTIM OF IDENTITY THEFT AND I AM TRYING TO RESTORE MY IDENTITY AND PREVENT THIS FROM EVER HAPPENING AGAIN. 

Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX # XXXX XX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX  XXXX XXXX XXXX / XXXX XXXX XXXX  XXXX OK XXXX XX/XX/XXXX XXXX XXXX   XXXX / XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX / XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNKNOWN XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX01 XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX
Consumer complaint received 2020-01-20
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: EQUIFAX, INC. (MS)

Hello I have been have problems with this for about a year, Equifax has refused to take off, information on my credit file that doesn't belong to me first off, i have submitted several documents of my address, and they refuse update info. I have even submitted paperwork of Identity Theft, and again no update of my file. I'm trying to buy a home and this has really affected my ability the get the proper credit needed for that ...
Consumer complaint received 2020-01-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PLAZA HOME MORTGAGE, INC. (NV)

On XX/XX/2019 we closed on a property we purchased. The closing documents we signed on that dated indicated one amount of {$1400.00} for the total mortgage. We later on received a mortgage statement dated XX/XX/2019 from a new mortgage company with a new mortgage payment amount of {$1500.00} that was to start on XX/XX/2019 with no explanation of the change. After several phone calls to the new mortgage company, a response was sent XX/XX/2019 was a copy of a new closing disclosure form dated XX/XX/2019 that we hadn't seen before nor agreed to that contained new amounts which changed our original mortgage payment. This was done without our knowledge or consent. There is no documentation with our signatures. I am concerned, that if the loan is sold again, the mortgage can be raised even more. Is this common practice for the mortgage amount to be changed after the original closing date because of changing closing cost? I'm confused and highly concerned on the matter.
Consumer complaint received 2020-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

I am trying to apply for a mortgage my sister 's credit card debt keeps being reported from all 3 credit bureaus. Every year I send in my birth certificate and ID and still, her credit card debt keeps being reported on my report. Her name is XXXX XXXX XXXX my name is XXXX XXXX XXXX, I am not sure why they keep getting us confused. When I call the credit card companies they state that the accounts are under my sister 's name but the credit bureaus keep reporting the incorrect debt. The credit cards listed on my credit report that are not mine are the following : XXXX XXXX  : account = : XXXX XXXX XXXX  : XXXX XXXX : XXXX XXXX : XXXX
Consumer complaint received 2019-10-09
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. (GA)

Experian is reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. ) I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2020-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NJ)

Navient, formerly Sallie Mae, Overcharging interest, interest rate, my payments dont seem to paying down principal of loan, negative reports on my credit score even though Ive been paying monthly for 8 years!
Consumer complaint received 2019-09-05
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, XXXX AND EXPERIAN HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORT THEY REFUSED TO DELETE/REMOVE. 
NAMES : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- Addresses : XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX FL XXXX - 2028 XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX LA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX SSNs : XXXX Year of Birth : XXXX PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX IVE RECENTLY PILLED MY CREDIT REPORT AND FOUND SOME ACCOUNTS THAT ARE NOT MINE AND INACCURATE. 
Spouse or Co-Applicant : XXXX Employers : MXXXX XXXX XXXX- XXXX- XXXX XXXX ACCOUNTS : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX WAS NEVER LATE PLEASE CORRECT XXXX XXXX  XXXX XXXX/XXXX  XXXX