davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-23
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. (KY)

My father has fraudulently filed for bankruptcy under my social security number in a different state. Experian claims that they " verified '' that the bankruptcy is mine after multiple disputes and sending  proof that it isnt mine. It is not possible to verify this bankruptcy via US Bankruptcy Court of  XXXX  b ecause i have already called twice and they have stated over the phone that they DO NOT sent out verifications or have an online system for credit reporting agencies to validate bankruptcies. Experian is in multiple violations of the FCRA and FDCPA.
Consumer complaint received 2017-05-23
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. (KY)

XXXX   XXXX    XXXX   claims that I have a charge off credit card in an unknown, unidentified amount. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
Consumer complaint received 2017-05-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

On   XXXX   XXXX   XXXX ,  One Main Financial ran a hard inquiry on my credit report along with my husbands. This was NOT authorized nor did we give them consent to do so. We currently have a loan through them for se veral years. We did not ask to refinance or anything like that. They did not have permission to do this . One Main  has been caught in so many lies, several by me alone. They tell you one thing and then do another.
Consumer complaint received 2017-05-23
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. (CA)

Credit report from  XXXX  and experian showed an account from  XXXX   XXXX  that is NOT mine. The account was deliquent and affecting my credit. Could not open a bank account. I disputed it over 45 days ago and got an email from  XXXX  stating it was deleted. I tried opening a secured credit card with  XXXX   XXXX  but got denied because of the misinformation from credit bureaus stating that i have deliquent account which is not mine
Consumer complaint received 2017-05-24
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: Experian Information Solutions Inc. (VA)

My Vehicle was broken into and my DL was stolen. A few months later I notice that there are several unauthorized inquires on my credit reports, all within the same time frame. I called the police and was given report and immediately contacted the credit reporting agencies. My letters were ignored, My online disputes had no resolution and over the phone they told me that they do not have the ability to help me.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Automotive Services Finance, Inc. (NC)

On XX/XX/XXXX I brought a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX  XXXX, I had just joined the XXXX and was heading to XXXX XXXX, XXXX to be XXXX. Within the first week of having the car, I had to take it back to dealership five time to get work done on it. I got tired of doing that I contacted their big man in charge, he informed me that they were not suppose to sell the car because it was n't ready to be sold, on top of that, the Lady who sold the car to me which later I found out fired, told me that I had GAP insurance and come to find out I didnt, the reason she got fired was because she did alot of lying. I currently still have the car. I have tried to do numerous times to get them to work with me and they never would. In XX/XX/XXXX, I got XXXX in XXXX, XXXX, I have my mother Power of Attroney for my car after I tried to turn the car back in after having some many issues with it and I was told I can not turn it in, and they would contact my commanding officer of my command if i did. So while in XXXX my mother had POA because we would be on XXXX alot and communication is not the easiest, they did not want to talk to my mother so they wasnt receiving payments because they did not want my mother doing it and they wanted to talk to me which was impossible. While on XXXX about a year, Automotive Service Finance decided to set up a court date and we turned in all paperwork stating I was on XXXX and that I could not come to court for missed payments, so they garnished my wages and currently is still garnishing my wages for the full amount of the car not just the past due which totally incorrect. From my knowledge, if someone is on XXXX and can not make it to court they can not do that and that if my wages are being garnished they are responsible for providing me with a monthly statement of how what my balance is and I have yet to receive one in the year that they have been garnishing my wages. Everyone I have spoke to about this company talks about how unprofessional they are how they just try to get over on service members. Please help me, they are ruining my life.
Consumer complaint received 2017-05-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P. (AZ)

In the last few months of  XX/XX/XXXX ,  XXXX   XXXX  raised our monthly payment for account #  XXXX  by approximately {$45.00} for no apparent reason. Our service had not changed for years, and we had a bundled phone line that ( 1 ) was supposed to reduce our payment and was suggested by them and (  2 ) had never been used one time  in the 4 years that we had it. Because of this mystery rate increase, we were advised by  XXXX  to remove the phone line from our account, which made sense to us, so we agreed.  XXXX  was never able to accomplish their side of the agreement and the extra charges continued to  two more month. After three long phone calls, with no success, we decided that the  only way to stop these charges was to close the account completely, which we did. Our final bill was for {$51.00} and after trying unsuccessfully 3 times to pay it on the website, the same way we always paid our bill, I mailed a check, which cleared the bank on  XX/XX/XXXX  ( see attached ). I 've been receiving threatening mail from  Credit Protection Association, L.P. ( see attached ) ever since that time,  even though I 've given this information over the phone and mailed copies to them directly. This company does not offer an email address that would allow me to document this correspondence. We want this harassment to stop without our credit being effected. We did not owe the money to begin with, but we paid it to get  XXXX  to stop bothering us about it and that did n't work either.
Consumer complaint received 2017-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (VA)

My loan servicing was tranferred to FedLoan Servicing the beginning of this year when I indicated I was pursuin g Public Service Loan Forgiveness ( PSLF ). According to their guidelines, FedLoan Servicing was to provide me with an accounting of how many of my payments qualify for PSLF within 90 days of the transfer. FedLoan Servicing has failed to provide me with any information. When I called them, they said they needed additional time. I have my doubts they will ever provide me anything that is accurate. FedLoan Servicing is the sole servicer for PSLF. This is their job! It should n't taken f orever to get this information. Please look into for me. Thank you.
Consumer complaint received 2017-05-23
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. (KY)

XXXX   XXXX   XXXX  claims that I have  XXXX  charge off credit cards in the amounts of {$450.00} and {$940.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
Consumer complaint received 2017-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CITIBANK, N.A. (PA)

I am a victim of identity theft. I received a letter in the  US  mail fro m Macy  's on  XXXX   XXXX ,  2017. Th e letter advised that my recent request to obtain credit had been denied. The letter was addressed to me under my maiden name. I immediately contacte d Macy 's Cust omer Service to advise I did not authorize the request for this credit. I requested a copy of the application details to be mailed to me. I was advised I needed to contact the New Accounts Department which was open M-F  XXXX  -  XXXX  at  XXXX . On Monday  X/XX/17   , I contacted  Macy 's N ew Account Department, I was informed I needed to contact an alternate department at  XXXX . At  XXXX , I spoke with  XXXX  who advised the request for credit was not processed because I have a security freeze on my credit file. I requested a copy of the application,  XXXX  confirmed with her supervisor it would be mailed within  7-14  business days. I sent a written letter following up to my request for records and mailed it certified mail, tracking #  XXXX   XXXX   XXXX   XXXX   XXXX  whic h Macy 's r eceived on  X/XX/17   . Since I received no response from  Macys,  I sent a second letter to request a copy of the application on  X/X/17   , tracking #  XXXX   XXXX   XXXX   XXXX   XXXX , which  Macy 's rec eived on  X/XX/17   . Both mailings included copies of my FTC Identity Theft Complaint and the face sheet referencing the Police Report I filed relating to my identity theft. As of today,  X/XX/17   , I have not received a written response from  Macy 's regarding the application details. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am entitled to the business records relating to the fraudulent request for credit. The law directs these documents are provided to victims of identity theft at no charge, and without requiring a subpoena, within thirty ( 30 ) days of my written request. I am filing to complaint due to Macy 's not responding to my request.
Consumer complaint received 2017-05-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (WI)

Hello, I applied for a installment loan with Ch eck n Go ar ound and I have ma de 16 pay ments in the amount of {$120.00}.     I have had previous loans with this company and they usually take their money at the beginning and interest.to interest. I went into the  XXXX  different locations to determine why the payments are not being applied to principle.  XXXX  at the  XXXX   XXXX   XXXX  location says its in error and that I needed to have corporate correct the issue. I have called several times to corporate and unable to get a live person. I need help otherwise I will never pay this loan off.
Consumer complaint received 2017-05-24
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

We are filing a complaint against our mortgage lend er Wells Fargo ( WF ) for esc row distortion and intentionally forcing our loan into delinquency due to inaccurate adjustments to the loan payments.   After an escrow analysis had apparently been performed on our loan, it was decided by  WF, th at our payments would increase from {$1300.00} to {$1400.00}, this {$110.00}, increase strained our finances because we had already lost approximately {$600.00} in social security income that we once received for caring for our sons special needs. Since these benefits have stopped almost 1 year ago, it was near to impossible for us to keep up with these increases.   Due to the statutes under the Home stead exemption program, we are exempt from paying any county taxes and our mortgage l ender WF, has errone ously increased our payments overtime due to tax disbursements which they have made to  XXXX  County on our behalf. Our home is also located outside of the nearest considered city limits which allows us not to pay any city taxes as well.     We are requesting that these corrections to our escrow accounts be made right away. Furthermore, WF, has threatened to place our loan into foreclosure on  XXXX   XXXX ,  XXXX , if we do not pay all of the outstanding balances of our loan.   We have raised previous grievances regarding this matter on  XXXX   XXXX ,  XXXX , and nothing was done to correct this matter then.   Modified - - - XXXX  c harged to acct.   Payment changed from {$1300.00} went to {$1400.00} * XXXX .  XXXX ,  XXXX  -- {$1900.00} *Last paid  XXXX   county tax (   XXXX   XXXX ,  XXXX  {$1800.00 } )
Consumer complaint received 2017-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (VA)

I switched from  XXXX  to  XXXX  in  XXXX  of  XXXX . While waiting on payoffs from  XXXX ,  XXXX  sent my final invoice to a collection agency. I called  XXXX  to verify and they stated it was real, so I called the  Collection Company and  based on the phone call and letter they offered me a settlement with  XXXX . This was in  XXXX , they stated I had time before they would report, but if I paid off I was clear and satisfied. When I received my money from  XXXX  I called back to the  Collection Agency i n  XXXX  and took the settlement amount on  XX/XX/XXXX . They stated they would send me a settled in full letter. I thought nothing of this until in  XXXX  they sent my information to credit bureau saying I still owed the other amount from settlement. I immediately called and wanted to know what was going on. They claimed oh it will clear in 90 days, well I was in the process of buying a home, needless to say it cost me a higher interest rate, plus I did not get the type of loan that would have saved me half the money I spent in closing cost. I was livid. I ended up contacting  XXXX , who once again stated yes they had authorized the collection firm, but I still owed the balance, I could let it sit on my credit or pay it off. On  XX/XX/XXXX , I paid the other amount and they promised the next day they would report to credit bureau that it had been paid in full. Needless to say again, I was lied to and by the way, the collection agency stopped answering the phone whenever I called. Finally on  XXXX   XXXX , I spoke again to a  XXXX  representative and she said it would be fixed in 5 days. I kept asking for a satisfied letter, which I have never received. After this process I feel like I was scammed and if I 'm correct, when a collection agency takes over a claim, the company is paid. I paid both the collection agency and went back to  XXXX  and paid the balance. I would have gladly paid the full amount in the beginning, but was offered a false settlement that cost me a lot of time and money. NEVER AGAIN!
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (MS)

Ford Credit  and  XXXX   XXXX   XXXX  are showing  two ac counts of mine that were paid on time and the balance was paid in full. There was never a late payment made, as the credit report shows. Yet, they are reporting both as  " Closed-Derogatory '' and I h ave now seen a  XXXX  point drop in  my credit score.
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX   foreclosed on my home in  2011. I was p art of a class action suit against them and received a very small amount of money as compensation. I have sent various letters to  XXXX  and to the  XXXX  major credit reporting companies.  XXXX  sent me back a letter stating they could not locate my account and asked that I provide them with validation information and copies of my credit report. I then sent a letter to  XXXX , Transunion, and  XXXX  -- disputing that  XXXX  could not validate my account.  XXXX  removed the foreclosure from my credit report. Transunion and   XXXX   have not.   Thank You
Consumer complaint received 2017-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Accurate Background (FL)

Company has violated my rights under federal law.
Failed to provide a description of the procedures used to determine th  e accuracy and completeness of the information, including name, business address and telephone number.   Failed to provide confirmation that a copy of the revised consumer report was sent to those who requested a copy during the preceding 6 months since  X/X/2016     Failed  to place consumer statement per my prior complaint #  XXXX .     They allege the information was sent per prior complaint but have no proof since they failed to provide information in an attempt to violate consumer rights. They also allege they where unclear as to my computer statement yet they have been notified as per complaint #  XXXX . At this point I require proof of compliance to all my requests along with the name and address of there registered agent.
Consumer complaint received 2017-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NY)

This involves a Sears Mastercard issued by Citibank. I have not been able to log into my account on their website for nearly two months. I have updated my system to the latest browser ( s ) as suggested and still I am not being logged in to the website completely. There is something wrong with this company 's website and/or business practices. I have not been able to get through to a customer service agent via two different phone numbers provided by Sears ( or Citibank ) for this purpose. I am constantly routed through a ridiculous automated phone attendant system. When I am finally allowed to ask to speak to a customer service rep, the phone call is then quickly terminated. I am trying to suspend paperless billing because I have not been able to make a payment via their website since the website never completely logs me in. This is a well-know issue with this vendor and something needs to be done about it. It is pathetic how these companies are taking advantage of people who are trying to meet their obligations and protect their credit scores. I owed a grand total of {$27.00} last month and now owe {$57.00} thanks to a {$30.00} late fee which they are stealing because they are preventing me from accessing their website to make payment. I now have to visit a retail location in order to pay off this account. I 've been a customer of their 's for nearly 40 years ... never again ... they can drop XXXX.
Consumer complaint received 2017-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MN)

We have sent i n 3 sep arate payments totaling {$5300.00} to bring our mortgage current. I have spent hours on the phone with  Specialized Loan Servicing and have had  XXXX  tickets open to research and look for our payments, all of which have been taken from my checking account. One p ayment was sent as a personal check via  XXXX  on  XX/XX/XXXX , processed and taken from my checking account on  XXXX   XXXX ,    2017 f or {$1200.00}. Another payment was sent as requested via  XXXX   XXXX  for {$2300.00} on  XXXX   XXXX ,  2017. Ano ther payment for {$1800.00} was sent via  XXXX   XXXX  for {$1800.00} ON  XXXX   XXXX  , 2017.      We will go into foreclosure this coming week if the company does not prioritize this and find our payments and properly apply them to our loan. These total equate to more than 5 months of payments. I ca n't keep taking the time to call over and over again, each time having to explain the situation, and each time being told the same things over and over again. PLEASE HELP!!!     I am attaching what I can to provide confirmation of these payments. The company has these items, with the exception of the receipt for the {$1800.00} payment. However, I verbally gave them the reference number for the  XXXX   XXXX  as requested. I need to locate that receipt and I will then email that directly to the company. A bank statement has not been issued for that date, yet, but once issued I will send that as well. Hopefully this is all taken care of by then!     Attachments :   Bank statement confirmin
g  XX/XX/XXXX  check payment. Bank statement confirming both the  XX/XX/XXXX  and  XX/XX/XXXX 
  XXXX   XXXX   payments.     Receipt from  XX/XX/XXXX    XXXX   XXXX
Consumer complaint received 2022-02-25
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. (LA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE