davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AMERIS BANCORP (AR)

I have paid off my loan and have not received my title or release of the lean Document. I started with XXXX XXXX and they were purchased by Ameris bank. My experience is calling a phone system with dozens of options none fit. When I do finally get to the correct department it seems to be a race to get me off the phone asap. When I tried to pay of the loan they didn't explain process what so ever. I mailed in a check as no digital options or branches in my state. I waited and after a month or so I called. After extreme difficulty getting any information, they mailed it to the wrong address. I attached in the pay off my correct address. I was auto pay and did not access my account online. I have received correspondence at my address of 30+ months from Ameris bank on multiple occasions. I contacted a manager and he stated that he would send it and over a week later I still have not received it. I am getting nowhere and no one seems to resolve problems when the automated computer can't do it for them. I feel like my efforts at this point are futile. Please help me I just want the title I have paid for.
Consumer complaint received 2020-06-30
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. (MO)

Im demanding that the following unauthorized accounts be removed from my credit file. These accounts are an direct result of my identity being lost and compromised. Please remove the following. 

1 ) XXXX XXXX XXXX {$590.00} 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX 5 ) Dept of ED/ XXXX  {$31000.00} 6 ) XXXX/ XXXX  7 ) XXXX  8 ) XXXX 9 ) XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi TRANSUNION, I just checking my credit report and I saw this XXXX XXXX BANKRUPTCY still showing up my credit report. I was told this inaccurate account shall delete from my credit report and I want to delete this bankruptcy as agreed by LAW.
Consumer complaint received 2020-06-29
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. (VA)

XXXX XXXX is reporting a balance and negative pay history every month for an account that has an original delinquency date >7 years ago. In addition, this account was included in a chapter XXXX bankruptcy from XXXX and discharged in chapter XXXX bankruptcy on XX/XX/XXXX. The account should be deleted due to its age, but at a minimum it should have been brought current after the most recent bankruptcy and not continuing to report a late payment every month. Equifax replied that they were contacting the furnisher of the info, XXXX replied on the CFPB dispute that it had deleted the account on my reports on XX/XX/XXXX, but it was only fixed on my XXXX and XXXX reports and still remains on equifax. I have notified both Equifax and XXXX and it has been over 30 days with this issue still not resolved.
Consumer complaint received 2020-06-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc (NV)

On XX/XX/2020, sent certified letter to Plus Four, Inc requesting validation of debts being reported to reporting agencies. 
XX/XX/2020, Plus Four, Inc sent a response stating they were unable to locate my account with the information provided and to provide account numbers for each entry on each agency 's report. 
XX/XX/2020 sent certified letter again to Plus Four, Inc with all account information as requested and requested validation of the debts being reported. 
No response from Plus Four, Inc was received. 
In XX/XX/2020, I received a notification from XXXX XXXX that the information had been deleted from my credit report and my score had increased. 
In XX/XX/2020, received notification from XXXX XXXX that my score had decreased due to updates on my credit reports. When I reviewed the details, I noticed that Plus Four, Inc had re-added these debts to my report, yet they had NOT provided validation as requested in my letter sent on XX/XX/2020. 
Additionally, they continuously adjust the amounts being reported, although in Nevada, I don't believe they are allowed to add interest to collection accounts. I have informed Plus Four, Inc that I do not recognize these debts and asked them to provide validation and they did not. They temporarily removed the entries, then later reported them again without complying with my original validation request, which I feel has violated my rights according to the FCRA. 
I am very frustrated with their tactics and reporting this incorrect information is having a substantial negative affect on my financial situation.
Consumer complaint received 2020-06-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached the notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Consumer complaint received 2020-06-29
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: Harley Davidson Financial Services Inc (NY)

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There is a unverified Bankruptcy on my credit report. I requested METHOD OF VERFICATION which not provided. They credit agencies only the information was VERIFIED which is not true. 

I don't understand how they can do whatever they want when I have supplied a letter from the Bankruptcy court stating the credit agencies can not verify information from them as they do not share information. I requested this information over 30 days ago.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NJ)

I have late payments that appear on my credit history report for the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from American Honda Finance. I have reached out to them numerous times with no resolution. My payments have never been past 30 days late, but they profusely continue to report them as such. I disputed the issue to the credit bureau and in spite of my dispute, they added additional late payments to my credit report. When I called and asked why was this done, they told me that my payments were 31 or 32 days late. I know right. Wow. It's pretty amazing that an entity can be so spiteful about someone disputing incorrect information that they respond with invalid technicalities. This is what I get from a company that I have spent well over {$100000.00} on. I may have learned my lesson this time. These negatively impact my life. Yet, I am sure they do this purposely to ruin my credit and keep me as a customer for as long as they wish because they know I will shamelessly return. And since, I am a returning customer, they give me the benefit of the doubt and approve me with high interest rates and outrages terms. Then, they can dump me like trash and leave my life in shambles while they repeat this cycle consistently.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Original Creditor, XXXX XXXX XXXX XXXX reports my account as a charge-off and updates this balance every month with an open balance of {$520.00} ( having added fees to a credit card that had a limit of {$300.00} ). XXXX lists 39 charge offs, and when I have disputed this MANY times with each credit bureau, XXXX reports to all of the Credit Bureaus that the balance is correct. I thought that charge-offs that have been sold to collections companies are supposed tor reflect a {$0.00} balance, rather than listing an open balance and updating each month. I expressed this to XXXX, which leads me to believe this is intentional illegal activity. 
At the same time, XXXX XXXX, a debt Collection company, reports an open balance of {$580.00} on the same XXXX  XXXX, claiming they own the debt. I disputed this account with the credit bureaus after XXXX updated and says the current open balance is correct. 
Fees have been added on to this account by the Original Creditor ( XXXX ) which raised the balance, my account is updated monthly as a charge-off, and the balance is open-as both companies claim to own this debt. 
( What is also strange, is that XXXX reported payments to my account that I do not think I made, thus making the date of delinquency appear " newer '' by a year, in XXXX. ) I believe this reporting by XXXX and XXXX XXXX to be intentional, abusive, and illegal, resulting in the appearance of excessive charge-offs ( listed as a new charge off every month! ) and a higher debt-to-income ratio, as well as the appearance of two defaulted accounts, since both companies refuse to correct my account information and list on my credit report that " account was disputed, but the account information they are reporting is accurate ''. 
This has caused my to have higher interest rates, be rejected for an auto loan and to be considered for a fair interest rate, FOR THREE YEARS. 
This debt cycle is one that is hard to recover from, and XXXX, which already has very high fees and interest, intentionally has entrapped me FOR THREE YEARS with this illegal reporting. 
I have disputed the fact that two open balances can not be accurate, and nothing changes. I have called both companies to explain, and XXXX representatives say " they have no way of changing this '' and XXXX representatives simply mocked me.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (NC)

Hello. This complaint is against Westlake Financial Services. They refuse to report to XXXX  and the other bureaus that I paid off my car on XXXX. My XXXX  report is showing a balance with Westlake for {$16000.00}. I disputed this and received the dispute results on XXXX stating that Westlake verified to XXXX  that the {$16000.00} balance is correct. I cant believe that they were blatantly untruthful. I called them on XXXX and spoke to XXXX. She told me that they will report my payoff to the credit bureaus within 2 months of the payoff. However, it has been more than 3.5 months, and they did not do so. Today is XXXX and I paid it off on XXXX. 

I have copies of the car contract. It shows the date of the original sale ( XXXX ) and the balance ( after the down payment ) that was financed by Westlake Financial ( {$16000.00} XXXX. I have the printouts from my personal and business checking accounts. I made 7 payments to Westlake totaling {$17000.00} from XXXX to XXXX. I have a copy of the car title that was sent from NC DOT. It has an issue date of XXXX. I have screenprints from the Westlake website showing my payment history and a note that my account is paid in full. Please contact Westlake on my behalf. Hopefully they will finally report to XXXX  ( and the other credit bureaus ) that my account has been paid in full and has a {$0.00} balance. Thank you.
Consumer complaint received 2020-06-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Consumer complaint received 2020-05-20
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: Experian Information Solutions Inc. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX {$710.00} XXXX   XXXX XXXX {$670.00} XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX {$29.00} XXXX XXXX XXXX {$750.00} XXXX XXXX {$340.00}
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

On XX/XX/2020 My mortgage servicer was XXXX XXXX XXXX they sold their mortgage servicing assets to NewRez LLC dba Shellpoint Mortgage Servicing XX/XX/2020. On XX/XX/2020 my mortgage payment servicing functions transferred to shellpointmtg. The problem began when XXXX intentionally transferred a mortgage escrow shortage balance to shellpointmtg on XX/XX/2020. The escrow shortage they transferred to shellpointmtg was in the amount of XXXX They also transferred incorrect Real Estate Tax information to shellpointmtg that caused my monthly mortgage payments to increases by {$230.00} monthly. The intentional incorrect information XXXX transferred to shellpointmtg caused my mortgage payments to increase from {$560.00} to {$800.00} monthly. I have written to shellpointmtg 10 times with documentation that shows XXXX records were incorrect in regards to the Real Estate Tax escrow shortgage ; and I have called them over 10 times to try to get the matter corrected. Shellpoint has refused to correct the mistake. They say it can only be corrected with a new Tax bill mailed or faxed to them showing a different amount, a lower amount. So now they are keeping regular monthly payments of {$560.00} in an unapplied funds for over 20+ days. It appears from my observation that they don't apply my previous month payment to my principle balance until it's around time for me to make the next month payment ... I have to call into their customer service department many times asking them to apply the money they are holding in unapplied funds to my regular payment. For example, they received my XXXX payment On XX/XX/2020, the funds were removed from my checking account on XX/XX/2020 by shellpointmtg but  they did not apply it to my mortgage principle balance until XX/XX/2020 ... after I called in atleast 4 to 5 times requesting them to apply my payment they were holding. They received my XX/XX/2020 payment on Friday, XX/XX/2020 and removed the funds from my checking account on Monday, XX/XX/2020 but have not as of today ( XX/XX/2020 ) applied it to my mortgage principle balance. It's setting in unapplied funds. Since XX/XX/2020 these are a few of the people I have called and talked to about my mortgage account : XXXX XXXX XXXX in customer service he said he was in XXXX Arizona, XXXX XXXX XXXX in the XXXX department she said she was with the XXXX SC office, XXXX XXXX XXXX in XXXX XXXX department, XXXX XXXX XXXX on XX/XX/2020, XXXX XXXX XXXX on XX/XX/2020, XXXX XXXX XXXX in the collections department on XX/XX/2020, and last XXXX XXXX XXXX on XX/XX/2020 she called from XXXX Arizona..
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (MO)

I received a credit score disclosure from Corelogic Credco The information on the disclosure that they claim to have received from the three credit reporting agencies is incorrect. XXXX  XXXX XXXX XXXX   show erroneous information. I have included in this correspondence a copy of credit report from XXXX  that I obtain today.As you can see by the correspondence that I have included I have paid my bills on time every month without failure.And the credit score that this company shows is quite different than what XXXX  has on their report. XXXX XXXX and XXXX show no late or delinquent accounts or collectionAccounts which those companies shows on the reported information that was received from Credco. The information is incorrect on all three and I want the false information removed and corrected please see the supporting documentation uploaded
Consumer complaint received 2020-05-19
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 called XXXX XXXX XXXX financial department to get a deferment on my lease which they agreed to however they reported a late payment on my credit which damaged my credit I have called them numerous times to reverse this but they have not done so our original agreement was for them not to report late until COVID-19 was over. I was going to continue making payments which I still lamb I need them to remove the late payment that was reported incorrectly
Consumer complaint received 2020-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

More than several times this company has been toying with my credit reports and listing and delisting this collection account on my credit report i have complained several times to this agency about their illegal practices, at this juncture I will like this company to be reported to the FTC ( PORTFOLIO RECOVERY ASSOCIATES ) for abusive practices, and numerous violations of FDCPA rules. In a previous complaint number XXXX that has been closed, the company removed the false reporting from the credit bureaus but continued to send me notices and i responded to their notices the same way i have in the past they have then said they have already responded to me and now considered this matter closed, but again i check my XXXX  credit report today XX/XX/2020 and see they have AGAIN resisted and placed this collection item back on my credit report after the removal It seems that PRA only removed the item to have the original complaint closed only to relist it again on my credit report. The LAST LETTER i received from PRA was DATED XX/XX/2020 and not even 2 weeks later they are again reporting this false item on my report without even waiting 30 days for a response yet again another violation from this agency, and when i do respond they are basically telling my response will fall on deaf ears as they now consider the matter closed. I have no debt with THIS collection agency. I have not agreed to the " assignment '' of the debt in writing or verbally. I have not received goods or services ( consideration ) from this collection agency. Your agency has sent a letter deeming this matter closed as your agency removed the account from my report and to date I find it relisted for the more than fifth time on XX/XX/2020, I will be taking more aggressive action against your agency, If your ( PRA ) agency fails to immediately remove fraudulent reporting on my credit reports which will result in a suit for monetary damages. I request that you and your agency provide me with the following good and valid evidence that is provable in a court of law : 1 ) a valid copy of the original SIGNED contract with the original creditor or an original written confirmation of evidencing the transaction resulting in the indebtness to the original creditor. Computer documents or a bill or electronic evidence created after default on the indebtedness shall not qualify as such documentation. 2 ) a valid copy of the original statements from the original creditor showing the balance amount of the debt owing ; 3 ) A letter/contract of assignment attached with proof from the original creditor to PORTFOLIO RECOVERY ASSOCIATES, LLC that grants PORTFOLIO RECOVERY ASSOCIATES, LLC the authority to legally collect on the debt ; I have not agreed to the " assignment '' of the debt in writing or verbally. 4 ) Proper and complete written notice concerning the debt ; 5 ) Valid proof from the original creditor of my clear consent to disclose my personal and business information to your agency a third party.
Consumer complaint received 2020-06-29
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)

XXXX  XXXX XXXX has placed a Delinquency and charge off on my credit file. This is INCORRECT. The correct file entry should be " late payment ''. No balance, on the account is inconsistent with something being " charged off ''. The difference is a cascade effect it has had on my XXXX XXXX and potential 7 years of visibility on my file vs 6 months for a late payment. 

The beginning of the cascade issue is XXXX reducing my credit from {$12000.00} to {$1500.00}. Once again NEVER LATE - NO BALANCE. 

Since ALL credit card companies use this file, the accuracy of the information is directly correlated to my score. 

This is unacceptable since NO HARM was done to XXXX, and this action will cost me thousands for YEARS.