davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-28
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. (OH)

I have a Auto loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, TransUnion and XXXX XXXX with no successful resolution. XXXX, XXXX and TransUnion reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.
Consumer complaint received 2021-01-05
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. (FL)

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2018-08-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America has tried 3 times to foreclosure on the property they do not have a lien. The property located at XXXX XXXX XXXX does not have HELOC # XXXX attached and have been notified and reminded the lien secured for XXXX XXXX XXXX XXXX XXXX been paid in full by a title insurance claim. Bank of America is negligent and incompetent in dealing with a loss mitigation situation. Bank of America continues to hire XXXX and XXXX to foreclose on a property is not associated with Bank of America HELOC # XXXX. The XXXX  XXXX XXXX that authorized this continuing foreclosure needs to be identified and reprimanded. The property at XXXX XXXX XXXX is free from any Bank of America HELOC and the title clearly shows this. This is reckless and criminal behavior by Bank of America. We ask the CFPB is regulate and enforce action  against a undisciplined tyrant Bank of America.
Consumer complaint received 2018-09-14
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 sent in a few disputes to the credit bureaus to get a child support account off my credit report that is not mine. Ive been battling with the state attorney general office and this process of disputing with credit bureaus and have had no success. I pay child support only on one kid but the other child support account that is showing at XXXX something XXXX dollar balance is not mine and Im hoping that some sort of documentation will help clear this matter. The document the OAG sent me was last year. I appreciate this site for being here to help
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I was trying to refinance my property so I consolidate my bills. XXXX XXXX is showing up on all three Credit Bureau as late but when looking at my payment history on their website there is nothing on there that reflects late. XXXX XXXX automatic pulls the money out of my bank account on the due day, never got a phone call, email, or letter stating I am past due.I also do not see were a late fee was ever charged. 
Because of this, it has caused me to be denied credit for inaccurate information and dropped my XXXX score by over XXXX points.
Consumer complaint received 2018-09-14
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 have sent in a few disputes to the credit bureaus to get a child support account off my credit report that is not mine. Ive been battling with the state attorney general office and this process of disputing with credit bureaus and have had no success. I pay child support only on one kid but the other child support account that is showing at XXXX something XXXX dollar balance is not mine and Im hoping that some sort of documentation will help clear this matter. The document the OAG sent me was last year. I appreciate this site for being here to help
Consumer complaint received 2018-08-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. ()

The creditor and its servicer previously stated in their response to CFPB complaint # XXXX and XXXX, following the payments, I would need to contact us to agree to the terms and conditions of the forbearance, to process the forbearance. I called Navient multiple times to complete the forbearance. 

Since XX/XX/2018, I have been calling Navient to request for forbearance, Navient reads the forbearance T & C over the phone and told me that Navient no longer accept non-US credit card/debit card, for the payment of $ XXXX. 

In XXXX, I sent {$50.00} via domestic bank-to-bank transfer and called Navient. Navient read the forbearance T & C over the phone for me and still did not process the forbearance. I called again and get re-routed and re-routed to robotic assistance. After repeated attempts to complete the forbearance, I was transfered to the message inbox of Navient 's Office of Consumer Advocate. It appeared that the blockage is due to : : : : : : : " XXXX '' XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX. XXXX, x XXXX ... .... Navient 's Office of Consumer Advocate deliberately blocked my forbearance request ... .. The forbearance is supposed to be renewed every 3 months. Then I sent another payment for {$100.00} on XX/XX/2018, domestic bank-to-bank transfer ( confirmation # : XXXX ). I called again and get re-routed to robotic assitant and the message inbox of Navient 's Office of Consumer Advocate.
Consumer complaint received 2018-08-27
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. (OK)

Checked my credit report monitoring service and there are 3 accounts with money owed that are not mine. It says XXXX XXXX / XXXX XXXX / and XXXX. I am asking cfpb to see who is the person to contact to remove this item off of my report. I also see if follows under the provisions of 15 USC section 168i of the Fair Credit Reporting Act of 1970. Please delete and remove this items off of my report record.
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

I have sent multiple letters disputing the validity of this account being mine and requested XXXX to provide me proof, bearing my signature, that I have ever had opened this account. And from the responses that I received back from XXXX after disputing this account over the past few years, were statements with my name on them. The statements included addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX  CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

XXXX states that these statements show valid proof that the account is mine, but I have never lived at any one of theses addresses. Nor have I ever disputed fraud charges with XXXX from which they stated on a recent letter, that a copy of a Declaration of Fraudulent Charges was sent to my prior address where they claim that I signed and returned to them. I never received such Declaration because I never lived at the addresses that were on the statements provided, and I have never signed any such documents because I have never lived at the addresses that were on the statements provided. My wallet was lost/stolen years ago, and I have called up each bank and credit card company that I had accounts with and cancelled each card. I NEVER called up XXXX because I NEVER had a XXXX account. 

My credit file with my social security that is reported to the credit bureaus, including but not limited to Experian, XXXX, and XXXX, all have " Fraud Alerts '' because of such IDENTITY THEFT activities. 

This is not my account with XXXX, nor have I ever had an account with XXXX. I request to have this account removed/deleted from all of the credit bureaus, including but not limited to Experian, XXXX, and XXXX, along with any negative remarks associated with XXXX, as it is severely damaging my credit file. I also request to cease & desist all communication with XXXX, written and/or telecommunication.
Consumer complaint received 2018-04-21
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: Conn's, Inc. (TX)

Date of last activity is incorrect and inconsistent between 3 bureaus. XXXX 's date is 3 months different from XXXX and the discrepancy will cause a delay in my homebuying. I've tried to dispute online and the dispute was rejected since I've disputed the account before. Prior dispute was for a different reason. I called XXXX  and they still allege the date they have reported. 

I do not think Conn 's has validated this debt with proper support. So they are in violation as well as the credit bureaus for not removing
Consumer complaint received 2018-08-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Revenue Assurance Professionals LLC (TN)

XX/XX/2017 {$850.00} I have filed a compliant against the collection agency on the XXXX website using the following sentences : Complaint Description. I do not have a contract with XXXX XXXX XXXX. I am not liable for this collection this debt from XXXX XXXX. I am not responsible for this debt.
Consumer complaint received 2018-09-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (WI)

I was in a severe car accident back in XX/XX/2016. Due to injuries I could not work nor make my mortgage payments. We filed for mortgage assistance and refiled and refiled for 2 years. For 1 year they told us to pay a forbearance plan. Then they denied us for assistance and stopped accepting mortgage payments. We told them we could make the full payments and they told us to just pay 75 % of the payment. They then stopped accepting payments unless the total pass due was played in full. They sent us a pre foreclosure notice so we panicked and sold the house. Multiply times we asked what our payoff was and they told us a specific number. Then we get to closing and there's a charge for an extra XXXX dollars that was not previously discussed. They had no answers for us when we disputed it. XXXX XXXX is the lender.
Consumer complaint received 2018-09-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Ad Astra Recovery Services Inc (CA)

We contacted the company AD Astra as soon as this showed on my credit report, even sending copies of the plane ticket that showed that the time and date the loan was allpied for and approved, I was on a flight to Washington state. They still refuse to remove this from my credit, even after being given proof that this was fraud.
Consumer complaint received 2018-09-14
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)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX- This account has never been late and the balance that you are reporting is incorrect. *please see attached documents that payments have been made on time and the balance is incorrect.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

US Bank allowed my credit card charges and balance to exceed my credit limit without my asking them to do so or warning me that I was exceeding my limit. They then immediately reported the over limit status to credit reporting agencies and then on my next bill required the full amount over limit to be included in the minimum payment. I called their customer service and they said they allowed charges over the limit as a 'convenience ' to me and said it was allowed per the cardholder agreement which they do not make available on their website. They are indicating they will charge me a {$40.00} late fee if I do not make the full minimum payment, which I will be unable to thanks to their overlimit and minimum payment calculation practices.
Consumer complaint received 2018-09-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank employs harassment and scare tactics in order to collect debts. I had already paid my debt, yet receive 8-15 calls A DAY from various numbers attempting to collect a debt that has been paideven after I expressly told them to stop calling me. 

They called at XXXX XXXX yesterday and the calls continued through XXXX that night. This happens on a DAILY basis. 

The man who called today told me he had a summons in hand and to be ready for the police to show up at my house within the next 48 hours. I said I wish youd show up so I could have YOU arrested for harassment. The number he called from was ( XXXX ) XXXX. The call came at XXXX XXXX est. this same man also told me my credit would be forever ruined if I didnt pay up. He also threatened to have my wages garnished. Again, I have a XXXX balance and have closed my card. 

These people absolutely refuse to honor requests for no further contact and call excessively throughout the day and evening. I now understand why Synchorny Bank has class action law suits filed against them. I have a XXXX   balance on my account and even closed my card in an attempt to stop the harassment but it continues regardless.
Consumer complaint received 2018-04-21
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. (FL)

In XX/XX/XXXX, I was forced to declare Chapter XXXX due to some extreme circumstances in my personal life. At the time, I had a XXXX card with a balance of {$20000.00} that was included in the bankruptcy. In XX/XX/XXXX, I had the Chapter XXXX bankruptcy dismissed. 

I contacted all the credit card companies I owed money to and negotiated a settlement amount with them directly. XXXX was the only creditor still showing my bankruptcy as " active '' for 8 months after the dismissal. I took me the next 8 months and many phone calls to finally resolve that. Finally in XX/XX/XXXX I was told by XXXX to contact XXXX XXXX XXXX XXXX XXXX to arrange a settlement amount. 

I did this and on XX/XX/XXXX I received an email from XXXX with the agreed upon settlement amount that we had discussed over the phone. I paid that amount, {$6100.00}, to XXXX XXXX XXXX on XX/XX/XXXX and have a receipt from them for that payment. 

XXXX is still showing on my XXXX  credit report that I owe {$20000.00}. The payment has NEVER been accurately reflected on my XXXX  report. 

In XX/XX/XXXX, I submitted an online dispute to XXXX about this matter. On XX/XX/XXXX, I received a letter in response from XXXX stating that the XXXX information was " Verified as accurate ''. 

I had seen an increase in my Experian credit score when the amount was paid to XXXX and at that time Experian was reporting that it was Paid/Charge Off with a XXXX balance. Within the past couple of weeks, I got an alert from Experian that XXXX had reported negative information to them and now that XXXX account is showing up as " Charged Off '' with a balance of {$20000.00} on my Experian credit report. My Experian credit score plummeted over 50 points because of this. 

This erroneous reporting of information has negatively affected my creditworthiness. 

I met with a mortgage lender back in XX/XX/XXXX and was planning to purchase a home in XX/XX/XXXX. This false reporting is causing great damage to me. I no longer qualify for a loan because of this. I will be unable to buy a home/obtain a mortgage because of this. I am unable to qualify for ANY credit because of this. I am requesting that this XXXX account be COMPLETELY removed from my report with ALL credit reporting agencies. 

If I am unable to have this request met by XXXX, I have been advised to seek out the help of an attorney that specializes in such matters and pursue damages. I am not a litigious person and would prefer not to do that if I can just get this resolved and get this off my credit once and for all. 

I am providing proof that this amount was paid to XXXX as per XXXX 's instructions.
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MN)

The mortgage lender noted that they could not pull my credit from Equifax because the name wasn't updated. I contacted Equifax 6 times within the last 2 months with issues on updating my name. My phone records will prove it. Each time I was transferred at least 2 to 3 times to speak with someone or call a different number for help. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the issue is still not fixed. I had a name change through marriage ; my full name was changed to a different one. I submitted required documentation to show proof. I submitted my driver 's license, marriage license and social security number. I needed them to fix it expeditiously because I found a home to purchase and was looking to close on it on XX/XX/XXXX. I spoke with a customer care representative from Equifax last Saturday ( XX/XX/XXXX ) and he mentioned that my name was updated and I will receive a letter in the mail in 7 business days. I did received my credit report on Tuesday ( XX/XX/XXXX ) but they misspelled my first name so my mortgage lenders ( XXXX XXXX , XXXX ) said they can't use it to pull my credit report. I called Equifax on this same day ( XX/XX/XXXX ) letting them know that they misspelled my first name ; even when I submitted documents with the correct way my name ( first, middle and last ) was to be on my credit report. She told me that their process is 7 business days but she could email me the results. The problem with that is they can't tell me which name the report is under. When you type in the name incorrectly XXXX time, it kicks you out of the systems and you are unable to get the report. I feel that they incorrectly typed my name so why do I have to wait 7 more business days for another one? I told them that I need it for closing on a home by this Friday ( XX/XX/XXXX ). I was told that there is nothing they could do for me even though it was there fault for spelling my name  incorrectly and sending it by mail. Can you please help me? I need it by Monday ( XX/XX/XXXX ) so that I can close on time.
Consumer complaint received 2018-08-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP (TN)

This is the second time that I have had to question Security Finance about two payments that did not go through on my account as ( 2 ) {$80.00} payments. I spoke with the branch mgr and did not receive a satisfactory answer at the time. The first occurrence happened around XX/XX/XXXX ; however, I did not keep the bank statement in order to verify how both {$80.00} payments were initially going through but later one of the {$80.00} payments was reversed. 
The second occurrence happened on Friday XX/XX/XXXX. I had my husband XXXX XXXX call in to make a debit card payment from his debit card to both our accounts, and on Sat XX/XX/XXXX both {$80.00} payments were processing when I balanced and I reconciled with XXXX XXXX XXXX. ( See banking documents dated XX/XX/XXXX ) However, on Sat XX/XX/XXXX when I went to balance, I noticed only ( 1 ) {$80.00} payment actually processed ( See document dated XX/XX/XXXX ) and when I called XXXX  XXXX XXXX and spoke with the Claims Dept. at XXXX, I was informed that one of the {$80.00} payments was reversed within 24 hours after processing. 
On the following Monday XX/XX/XXXX, I called the Corporate Office in XXXX, SC and related the incidences and the Regional Mgr called me the same day and I related the occurrences. The Regional Mgr. did not seem concerned that the {$80.00} charge had been reversed and kept assuring me that the ( 2 ) {$80.00} payments were posted to the ledger for XXXX 's and XXXX 's accounts. 
This is an issue because since both of us have separate accounts and I have bank statements showing one of the {$80.00} have been reversed, we have no way of knowing which account has legitimately been credited. The Merchants books and Banking records are not reconciling. 
At some point in time the first {$80.00} did debit my bank, but the {$80.00} paid on XX/XX/XXXX that was processing has not debited into my account at the bank. I like to balance and this is very unsettling as to what is going on with their bookkeeping! 
NOTE : Faxing in XXXX XXXX XXXX statement dated XX/XX/XXXX indicating ( 2 ) {$80.00} payments processing. Also, faxing in XXXX XXXX XXXX statement dated XX/XX/XXXX 3 of 3 sheets indicating only ( 1 ) {$80.00} payment actually processed. Faxed to XXXX. Will try to upload 1 copy dated XX/XX/XXXX because it shows 2 payments processing Will also upload 3 copies dated XX/XX/XXXX that show only 1 payment went through. The phone number associated with Security Finance on the Bank statements is XXXX