davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-31
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money monthly. They have the wrong information. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2020-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bureau of Accounts Control (NC)

I was seen in XXXX and paid all co-pays told were due at the time of service. I did not receive a bill from XXXX XXXX XXXX until XX/XX/XXXX. I submitted check XXXX on XX/XX/XXXX, it cleared my bank XX/XX/XXXX. I received messages from Bureau of Accounts Control on XX/XX/XXXX ( Letter dated XX/XX/XXXX ). My wife called them XX/XX/XXXX to explain that the debt had already been paid by check and the check cleared the bank. The agent told my wife that would be no problem and we would only hear back if XXXX XXXX XXXX disagreed. Nothing was said to us until they called today to say that we still owed the money. The debt has been settled nearly 2 months now and the calls are harassment. Please order a cease and desist.
Consumer complaint received 2020-03-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (KS)

Due to the Carona Virus my husband 's XXXX  is closed. I called our Mortgage company, TMS, and spoke with a supervisor today, XX/XX/XXXX. I made her aware of our financial problems. She said her company does not have anything in place right now to help homeowners. I sent an email to the company on XX/XX/XXXX with no reply. The Governor of KS, the state we live in has passed a law that mortgage lenders are landlords can not foreclose or evict for the next 90 days. I have already paid XXXX but will not be able to pay XXXX and am unsure of being able to pay in the foreseeable future.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX, I purchased a vehicle through XXXX on credit. I was made aware that XXXX XXXX XXXX will be supplying the loan. On XX/XX/XXXX, I got into an accident that led to my car being a total loss. However, XXXX XXXX XXXX decided to label this as a repossession on my credit report. When I spoke to a representative to get a clear understanding of why this was, they told me that it was labeled a repossession because the vehicle was sitting AFTER the accident. This makes no sense since the vehicle was not drivable so there was no way for me to move or use it in anyway. This is extremely unfair because if the accident had never happened, I would still have the vehicle. The insurance company, XXXX, are the ones who towed it away an hour and XXXX minutes from my residence. I was then told that I owed {$4800.00}, and had to pay that off in order to get it removed. So I paid {$2000.00}. On XX/XX/2024 I called to pay another {$2000.00} just for the representative to tell me that I should dispute the repossession, and that it should have never been considered a repossession in the first place. It is clear that XXXX XXXX XXXX does not care as long as they get their money. There is no reason why they should have reported this as a repossession when that is not what happened! Not to mention, they NEVER even sent me a repossession NOTICE like they are supposed to do. This is negatively affecting me financially because now I have to pay over {$6000.00} for a downpayment for a new vehicle. So now my rights are blatantly being violated as this is now considered false and misleading pursuant to 15 USC 1692e. Also, the consumer reporting agencies are not supposed to put anything on my report WITHOUT verifying with me first. This whole practice reeks of unlawful and unethical activities and it is quite concerning that they can put whatever they want on MY report with no consequences.
Consumer complaint received 2021-06-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

During COVID PHH Mortgage offered forbearance plan. 
Ended it with company XX/XX/2020. 
Agreement to have amount added to end of loan. Payments were current. 
They continued forbearance till XX/XX/2020 without my permission. Now they want all forebearance payments up front, did not honor agreement on recorded phone call agreement, no requested documentation received. 
Reporting scam, will now affect my credit and cant pay all during XXXX recovery. Pursuing lawsuit please assist and advise as soon as possible.
Consumer complaint received 2020-03-31
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. (GA)

XXXX grad aiu Father passed military XXXX Loans should have cancelled out Parent name XXXX XXXX XXXX XXXX XXXX XXXX XXXX was changed to mines Sister XXXX XXXX made POA didnt pay balance of XXXX XXXX just in case loans didnt cancel XXXX/ higher interest consolidation 9 % To 10 % /filed ch XXXX XX/XX/XXXX Inc loans still exist / work for non Profit Govt still exist Covid19 no interest should be added ** COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Student loan ISSUE anyone else. 

( XXXX ) XXXX consumerfinance.gov Learn about our complaint process Need legal assistance? 

United States Flag - mini An official email of the United States government
Consumer complaint received 2020-03-31
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. (SC)

On XXXX XXXX I called XXXX XXXX XXXX to advise them that I am in the process of purchasing a home. They offered a settlement of {$2600.00} for all 7 accounts and will be reported as paid in full. I received the letter by email stating that I had until XX/XX/XXXX to make the payment. On XX/XX/XXXX I called and made the payment IN FULL of {$2600.00} with my XXXX XXXX XXXX card ending in XXXX. I was told that the accounts would be removed using their E-Oscar reporting software and the account would reflect on my credit report as paid in full and no longer in collections. I checked my report again and the accounts are still listed. I reached out to Experian, XXXX, and XXXX to advise them as well as sent documentation showing accounts listed and bank statements showing accounts were paid. The credit bureaus refused to update with the correct information and it's severely affecting my ability to purchase my home.
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (FL)

I made a payment to PNC Credit Card on XX/XX/20 in the amount of {$2500.00}. The payment posted XX/XX/XXXX. The funds cleared my XXXX checking account on XX/XX/20. PNC has now advised that despite those funds clearing my XXXX checking account - they will not give me the available credit because I do not bank with PNC. It seems that PNC 's policy is disparate in nature because I do not have a PNC checking or savings account with their institution. 
My larger question is how you can place a hold on an account when the funds have cleared my checking account? 

They also explained that each time I make a payment - this will continue to occur. This policy is discriminatory and predatory as it seems I must open a checking account in order to get credited timely.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX is reporting XXXX wrong late payments in my credit report, so this is a mistake that is affecting me get a new credit or other financial products ... these late payments was on XXXX, XXXX, XXXX, XX/XX/2020, ,I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc. (TX)

On XX/XX/XXXX I received a MoneyLion Debit Mastercard from MoneyLion/XXXX. The card was attached to a XXXX account. I did not open this account, and I did not request the card. I did not activate the card once it arrived. Instead, I tried to find out how this account had been opened, and I tried to make sure it was closed. I tried all three of the contact modes listed here : https : //moneylion.zendesk.com/hc/en-us/articles/360032632292-How-Do-I-Contact-Support- ( chat, phone, and email ). Chat and email redirected me to phone, though, so there was really only one contact mode : phone. When you call the phone number ( XXXX [ XXXX ] XXXX ), there are endless phone trees that don't include an option for closing an account, for reporting a fraudulently opened account, for talking to a representative, etc. And if you don't choose one of the available options, the call is terminated. 

In short, I have found it impossible to reach anyone at MoneyLion who will give me some information about this fraudulently opened account and help me close it.
Consumer complaint received 2020-03-31
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. (SC)

On XXXX XXXX I called XXXX XXXX XXXX to advise them that I am in the process of purchasing a home. They offered a settlement of {$2600.00} for all 7 accounts and will be reported as paid in full. I received the letter by email stating that I had until XX/XX/XXXX to make the payment. On XX/XX/XXXX I called and made the payment IN FULL of {$2600.00} with my XXXX XXXX XXXX card ending in XXXX. I was told that the accounts would be removed using their E-Oscar reporting software and the account would reflect on my credit report as paid in full and no longer in collections. I checked my report again and the accounts are still listed. I reached out to XXXX, XXXX, and Transunion to advise them as well as sent documentation showing accounts listed and bank statements showing accounts were paid. The credit bureaus refused to update with the correct information and it's severely affecting my ability to purchase my home.
Consumer complaint received 2020-03-31
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. (SC)

On XXXX XXXX I called XXXX XXXX XXXX to advise them that I am in the process of purchasing a home. They offered a settlement of {$2600.00} for all 7 accounts and will be reported as paid in full. I received the letter by email stating that I had until XX/XX/XXXX to make the payment. On XX/XX/XXXX I called and made the payment IN FULL of {$2600.00} with my XXXX XXXX XXXX card ending in XXXX. I was told that the accounts would be removed using their E-Oscar reporting software and the account would reflect on my credit report as paid in full and no longer in collections. I checked my report again and the accounts are still listed. I reached out to XXXX, Equifax, and XXXX to advise them as well as sent documentation showing accounts listed and bank statements showing accounts were paid. The credit bureaus refused to update with the correct information and it's severely affecting my ability to purchase my home.
Consumer complaint received 2020-03-31
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (VA)

All documents for the short sale review were sent on XX/XX/20 to Shellpoint Mortgage Servicing and they confirmed on XX/XX/20 that they received them. Then on XX/XX/20, the point of contact ( XXXX XXXX ) confirmed that an appraisal has been ordered on XX/XX/20. On XX/XX/20 I spoke to the appraiser XXXX XXXX and he confirmed that the appraisal was conducted on XX/XX/XXXX and it was uploaded to the VA system on XX/XX/XXXX. The appraiser said that he spoke to the seller and was able to gain access to the property. So I asked the point of contact ( XXXX XXXX ) from Shellpoint Mortgage Servicing if the appraisal has returned and he said on XX/XX/20 that they are waiting for the appraisal report to be completed and uploaded on their end and to allow a few more business days. The point of contact ( XXXX XXXX ) rarely responds to our inquiry and he always, always responds after business hours. I can't even get an update by calling Shellpoint Mortgage Servicing because they will just refer us to the point of contact ( XXXX XXXX ) for updates. We can't imagine that the process for an appraisal can take almost a month to be complete. We are greatly concerned because we don't want the buyer to walk away because of this delay.
Consumer complaint received 2022-09-14
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a direct dispute using XXXX XXXX concerning a matter on my TransUnion credit report. I filed on XX/XX/XXXX and it is now XX/XX/2019. 10 days have passed since the 30 day deadline and I have not received any communication, electronic or otherwise concerning my case.
Consumer complaint received 2021-06-18
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)

I began disputing an unverified bankruptcy with Experian in XX/XX/XXXX. I have sent this institution multiple disputes requesting that the unverified item be investigated and removed from my Experian credit report. Every time this institution responds with the item is verified and the data furnisher is XXXX XXXX. I have reached out to XXXX XXXX on multiple occasions requesting information on if their establishment provided data or verified the information in question. Each time, their response to my inquiry was a resounding No. On XX/XX/XXXX, after speaking with a XXXX XXXX Customer Rep I was able to once again pull my Lexis Nexis consumer report. After Obtaining my XXXX XXXX report and reviewing the information, it was confirmed that Experian had not conducted a proper investigation into my dispute. According to my Lexis Nexis report Dated XX/XX/XXXX page number # 2 shows that a security freeze has been in place since XX/XX/XXXX, and page # 47 of the same XXXX XXXX report shows no Bankruptcy under Section 9 Bankruptcy records. On XX/XX/XXXX, I sent another letter to Experian once again disputing the information. On XX/XX/XXXX, I received a response stating that the information was once again verified and the data furnisher was XXXX XXXX. I have included pages XXXX and XXXX from my XXXX XXXX report dated XX/XX/XXXX, as supporting documentation to prove that a proper investigation is not being conducted and Experian is continuing to report unverified information on my credit report. I would like the item deleted immediately because Experian refuses to conduct a proper investigation into this matter.
Consumer complaint received 2020-03-31
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (AR)

ONCE AGAIN I.C. SYSTEMS IGNORED CEAES AND DESIST NOTICES AND CEASE COLLECTION AND CALLING MY DAD CELL NO.XXXX 13 TIMES AND SHOWS UP ON MY CREDIT REPORT.
Consumer complaint received 2022-08-17
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. (TN)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In Accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acts Has Violated My Rights. 

15 U.S.C 1681 Section 602 A. States I Have The Right To Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a Consumer Reporting Agency can not Furnish a account without my Written Instructions.
Consumer complaint received 2022-08-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAVALRY INVESTMENTS, LLC (TX)

I had repeatedly contact XXXX XXXX in reference to inaccuracies found at the time on the credit card Transactions, yet they refused to come to an agreement in order to come to a positive outcome. XXXX XXXX then placed the account Into collection and sold the debt to an outside company without my knowledge. the Collection company Calvary SPV I, LLC never attempted to contact me or attempted any type of communication in order too come to an agreement in settling the debt. Now Calvary is suing me and placed me in court proceedings, How is this fair without given me an opportunity to settle the account of any and all inaccuracies. I honestly believed that calvary has violated several federal credit laws in order to keep on not just harassing me but in an attempt to collect illegally funds that do not belong to them. On or about XX/XX/2022, I made contact with Calvary and they refused to provide any information in reference to the inaccuracies on the account. they persisted on verifying the account when in fact they automatically knew my biographical data. as you can see they alleged to have purchased the account yet they have failed to provide the following : XXXX. Copy of the original contract with my signature of the debt, XXXX. Full payment history from the original debtor in this case XXXX XXXX XXXX. Name and address of the XXXX debtor XXXX. Proof that they own or have been assigned the debt to collect. Also I think the account is more than XXXX XXXX XXXX? My credit report does not show any type of debt of the account in question? this is why I'm asking for your assistance to resolve this matter.
Consumer complaint received 2020-03-31
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: TRANSWORLD SYSTEMS INC (TX)

XXXX XXXX XXXX not able to close the dispute with XXXX XXXX XXXX, I stayed in XXXX XXXX XXXX  ( XXXX XXXX XXXX ), during move out as per contractual agreement and final settlement I paid all the dues. 

After a year, Collection Agency came to me stating that there is some due around {$59.00} with XXXX XXXX as they forgot to add 1 day extra rent in my final settlement. 

I never get any communication regarding that due amount nither from XXXX XXXX via email/Mail/phone nor from Collecttion agency for almost a year. 

I disputed my claim with Collection Agency stating its invalid as I had my final settlement letter along with me. 

Also after a year XXXX XXXX cant come back with new new chargers. 

I submitted all the evidences to the Collection Agency, still they are not able to resolve. 



Thanks
Consumer complaint received 2020-03-31
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. (SC)

I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within my Transunion report . This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Consumer complaint received 2020-03-20
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. (NJ)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD PERSONAL HARSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.