davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: FISERV INC. (OR)

I received a Economic Impact Payment Card in the mail the week of XX/XX/XXXX. I did not want to activate the card because the issuer wanted my SS number and banking information. It wasn't clear to me that it was connected to the government stimulus package. I could not find any details through the IRS.gov website. My tax preparer did send me additional information about the terms and conditions but could not vouch for its legitimacy. Under the terms and conditions it states I can opt for a check payment by contacting their customer service. When I used the number listed it goes straight to card activation and never to customer service. The card is enabled by Money Network and is issued XXXX and the only number listed is XXXX. I just want a check issued to me just like the previous stimulus check.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (DE)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2021-01-15
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. (NC)

For XXXX - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For Equifax - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

Furthermore, the bank, which ever the company name is these days is showing MULTIPLE charge off. I was always under the impression that once charged off that was it, it is charged off? I will also be contacted the Federal Banking Regulators among any other company or federal complaint line that I can find to file these fraudulent and fcra infractions that you have been reporting and accepting as valid.
Consumer complaint received 2021-01-15
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. (NC)

For Transunion - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

Furthermore, the bank, which ever the company name is these days is showing MULTIPLE charge off. I was always under the impression that once charged off that was it, it is charged off? I will also be contacted the Federal Banking Regulators among any other company or federal complaint line that I can find to file these fraudulent and fcra infractions that you have been reporting and accepting as valid.
Consumer complaint received 2020-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

XXXX XXXX XXXX sold my mortgage to LoanCare LLC LoanCare website is not accepting my information but they don't provide a mechanism for me to make a payment My payment is past due and I don't want my credit to be affected I don't want to lose my home!! I have the money, you guys are just not letting me pay you!!
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

I am in a XXXX XXXX and have an individual Flood Insurance and a Master Policy at the XXXX XXXX. Every year the Mortgage Company gives me a hard time about the XXXX XXXX. Generally, they like to see both. Last year I showed them both and they still went out and bought XXXX XXXX, twice. They only reimbursed me once, even though I never needed insurance because I already have it. They refuse to pay me back. This year, even though everything is the same they are changing the rules. I have provided them my new XXXX XXXX XXXX several times and they still find it unsatisfactory and are requiring me to have my individual name and XXXX number on the Master policy. I also sent them property tax records to confirm the address on the insurance matches the master policy. They have sent me XXXX letters on this issue including XXXX that says it was resolved, followed by a letter XXXX days later stating it is not resolved. I am at an impasse with them because they are asking for things I can not provide. PHH has been a terrible Servicer. I have to remind them on tax payments, then they pay it twice. They let my XXXX XXXX lapse and I had to pay it myself and wait to be reimbursed. I have wasted countless hours dealing with them. I have never been late on a payment.
Consumer complaint received 2021-01-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (TX)

I moved from my house to another last year. Called and canceled services and paid the last month of service. I was unaware I was supposed to go to their store to drop off modem and router, we still have both. After checking my credit I found that XXXX XXXX has hired a company called Credit Management. Credit Management says that I owe them {$400.00}. They are saying that I owe two months of service along with 4 pieces of equipment, 2 routers and 2 modems, I explained that it doesn't even make any since why I would have 2 modems and 2 routers for the same house, and that I only have the one set. They told me that it's what charter says I owe and I can either pay it or not, up to me. This is what they told me over the phone.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-15
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. (NC)

XXXX XXXX  XXXX CRED Acct # XXXX - This account is inaccurate ; date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and should not be showing as last reported XX/XX/XXXX, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

You keep verifying this information, why is this not being properly investigated? Are you verify incorrect information each time I dispute? 

I want this delete off my account.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (TN)

A XXXX  months ago I opened an account with Truist bank. I received a XXXX  loan type deal from a company and it was deposited into this account. My fianc and I were using that money to pay bills, I tried to send money to him via XXXX, Truist locked the account and flagged it for fraud. 

I reached out multiple times to Truist and received several different answers. I was told to go to the branch to receive my money, the branch couldnt do that due to the fraud department locking my account. I reached out on the phone multiple times and was given the runaround. I was then sent a letter stating that I would receive the funds from my account in a check or could pick up at the bank. It has been months and there is still {$990.00} sitting in a closed account and they will not release the money to me. They state I owe them money and I can not use the funds in the account to pay the debt and they will not release the money or reopen the account until that debt is paid. I dont trust paying them because my money will probably sit in there another year before they decide that I can have it again. 

Customer service has been very unhelpful with them and I have been told so many different things by the company in multiple different departments. I would just like to be able to have the money released or mailed to me in check form, or if they insist on receiving money relating to a debt, they need to use the money in the account.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

Dear Sir or Madam I am writing to dispute the following information in my credit file. 
The car loan with Regional Acceptance Corporation was pay off by my insurance in 2018 due to my car being declared a total loss. I call Regional Acceptance Corporation last week to ask why we have late payments on the account. The representative told me that I needed to make payments even if the car was declared a total loss. I am asking you to please reconsider to take these late payments off the account. We had the car for almost two years, and we never had a late payment. The account now is pay off and closed.
Consumer complaint received 2021-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (TX)

This company Consumer Adj, has reported on my credit reports that I owe a debt a medical claim debt from XXXXXXXX XXXX XXXX XXXX XXXX XXXX. They claim that I opened this account on XX/XX/21. This information is incorrect and as a result they have placed this collection on my credit report and state that I owe them {$1000.00} This is incorrect and fraudulent reporting. They have not only fraudulently listed thus incorrect data on my credit report but that have no information for contact, no account number, no address, no telephone number and no email address, this is a crime according to the FCRA, and I will seek justice. I am very upset that this company not only failed to reach out but they have failed to verify that thus is an account that I owe. I have looked them up on the internet in an attempt to get a good address and my letters have been returned undeliverable. XXXX XXXX has never sent me not XXXX letter in the mail trying to collect on this debt that they say I owe, and have never sent me any documentation that proves this is a debt that I owe, nothing bearing my signature. I am the victim of identity theft and my Identity Theft reference report # is XXXX, my police report # is XXXX I ask that this information be removed immediately from all 3 of my credit reports including XXXX XXXX, XXXX, and XXXX. 
.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Dear Experian, XX/XX/2020 After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : 1. XXXX XXXX XXXX Please delete it 2. XXXX XXXX XXXX XXXX, FL XXXX Please delete it I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner that would be better. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-03-11
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. (TX)

I submit a 609 certified dispute letter to the credit agency Experian about derogatory information that's reported on my credit file. This letter states According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. I send the letter certified on XX/XX/2020, Experian receives the letter on and settles the dispute on XX/XX/2020, XX/XX/2020, I call Experian dispute department and notified under Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract. The Dispute Department indicated to me they do not abide by the Section 609 because we are a thrid party.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (NC)

which ever the bank name you are these days is showing MULTIPLE charge offs. I was always under the impression that once charged off that was it, it is charged off? I will also be contacted the Federal Banking Regulators among any other company or federal complaint line that I can find to file these fraudulent and fcra infractions that you have been reporting and accepting as valid. Your information is incorrect in ALL THREE BUREAUS. They must be the same. 

For XXXX  - SHEFFIELD FINANCIAL Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to BB & T ; BB & T bought Sheffield financial. There should be no interest accumulated on this charge off, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX  - SHEFFIELD FINANCIAL Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to BB & T ; BB & T bought Sheffield financial. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX  - SHEFFIELD FINANCIAL Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to BB & T ; BB & T bought Sheffield financial. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX.
Consumer complaint received 2020-03-11
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. (TN)

I am a victim of identity thief, I have previously submitted documentation that these accounts were not mines. The creditors agree and removed them form my credit report. I went to take a look at my score to see that the following account had been added back. I was under the impression that this had be handled and the items would be Blocked and Deleted. I am hoping this is the last time i have to report these items. I have reached out to a attorney to help me with this matter, being that I have provided everything necessary to resolve this matter and they have put these negative account back on my credit report. 


XXXX XXXX {$0.00} Updated XXXX. XX/XX/XXXX XXXX XXXX XXXX  {$870.00} Updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} Update XX/XX/XXXX XXXX XXXX {$3600.00} Updated XX/XX/XXXX
Consumer complaint received 2024-01-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: OneMain Finance Corporation (NC)

My online account states You've partially paid ahead month after month and shows a lesser amount then what my monthly payment is. This lesser amount is never shown as my actual payment nor is it shown as a past due amount. This number is also never combined with my current monthly payment. ( For example, if the past due amount is {$25.00} and the current monthly payment is {$300.00} then the total amount due is {$320.00} ) This example is never shown in my account. The entire time I am thinking the account is paid and I am paying extra money into it each month to pay it off sooner ( hence the reason why I am seeing the message " You've partially paid ahead! '' ) When I called to discuss my account and why my balance is NEVER going down it turns out I am being charged in the background all while my account is giving me positive queues about how I am paid ahead. I've already paid over $ XXXX on a XXXX loan ( this information was provided by the call center ). The local branch can not tell me what I have paid so far. The interest rate does not match what I have paid in. The online account where I make my payments and view my account details are extremely deceptive telling me how great I am doing by paying ahead all the while I'm not ahead according the the branch manager.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I am writing to dispute and challenge the accuracy of information on my credit report maintained by your agency. Upon reviewing my credit report, I discovered that an old address is still being reported, which is inaccurate and misleading. Additionally, I believe there have been violations of the Fair Credit Reporting Act ( FCRA ) in this regard. 

This address is outdated and no longer associated with me. As per FCRA guidelines, credit reporting agencies are required to ensure the accuracy and completeness of consumer information. However, the inclusion of this obsolete address is a clear violation of FCRA regulations. 

Moreover, the presence of this outdated address on my credit report could potentially harm my creditworthiness by leading to confusion or misunderstanding about my current financial situation. It is imperative that this information be promptly corrected to reflect my true and accurate credit profile.