davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-17
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. (MS)

WHILE I WAS AWAY XXXX MY TIME IN THE XXXX XXXX XXXX SOMEONE STOLE MY IDENITY. I HAVE NEVER FILED XXXX  BEFORE! I REALLY DON'T HAVE A REASON TO BECAUSE THE XXXX PAYS ME WELL. TRANSUNION WILL NOT REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILE. I AM TRYING TO REFINANCE MY {$300000.00} HOME BUT THE LENDER ID GIVING ME A HARD TIME BECAUSE OF THIS. PLEASE HELP ME GET THIS ISSUE RESOLVED.
Consumer complaint received 2021-12-17
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. (TX)

Hello so on XXXX/XXXX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Consumer complaint received 2018-02-28
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: ALLY FINANCIAL INC. (WA)

I have tried numerous times to get this company to be honest about my payment history during the first year of me purchasing the vehicle.On my credit report Ally financial has reported that I missed 8 payments back to back within the first year of my purchase. XX/XX/XXXX-30 days, XX/XX/XXXX-30 days, XX/XX/XXXX-30 days, XX/XX/XXXX-30 days, XX/XX/XXXX-60 days, XX/XX/XXXX- 60 days, XX/XX/XXXX-90 days, and XX/XX/XXXX-30 days. I hope you can see where I am going with this. It looks like I have  missed 30,60, and 90 days when it wasn't that amount of time between payments. I just purchase the vehicle. My credit is ruin by this reporting. I have dispute with company and credit beau with no results because this company have said they can do whatever they want. Not only was this vehicle over priced, I love this vehicle and made sure it was paid on time for the first year. After I was XXXX I called and told them I would be gone for the next year, and setup automatic payments in XX/XX/XXXX. Behold they reported I was late during that year also. I am severely XXXX over this issue, and I've tried everything to come to some time of resolution with this company.
Consumer complaint received 2019-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I Tell the bankXX/XX/2019 Some one stole my money from my account and ask themto close my account directly. 
they promiss me they will do it. but I figure out in XX/XX/2019, someone still take money from my bank. 
I complaint again. the bank they said they cant return my money and cant close my account!
Consumer complaint received 2021-12-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (MD)

Nelnet lns wants over {$700.00} in monthly payment which are impossible for me. I tried to get the rate down but to no avail. They also have XXXX loan accounts open and my Credit score went from XXXX to XXXX in one day because they made all accounts delinquent at same time. This is ridiculous for struggling graduates and should be illegal.
Consumer complaint received 2021-12-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: JPMORGAN CHASE & CO. (TX)

I pre-purchased the car at XXXX XXXX XXXX on XX/XX/2021 and my signed my portion of the documents that day. My cosigner came to the dealership on XX/XX/2021 or XX/XX/2021 to complete their portion of the finance documents. My cosigner was first given someone else 's finance documents to sign then when realizing the issue, they notified the finance person working with them. The correct documents then were signed, and no copy of the finance documents were given to the cosigner. I went to pick-up the car around XX/XX/2021 when it was delivered to the dealership. I only received a one-page document for the registration for the car. I asked for my copy of the finance documents and was told they sent a copy with my cosigner. I left the dealership and contacted my cosigner who confirmed not receiving the documents. I've myself called requesting a copy when I started to get letters wanting to extend my warranty from the same company, I purchased warranty from when financing my car. My cosigner has also called requesting the documents and the person in the finance department was rude and pretty much told us we missed placed them. I made sure they had correct mailing address for cosigner and myself, and I still have not received a copy of my finance documents. I want a copy of my documents to confirm everything is correct.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AR)

I was reviewing my credit report and I see some inquiries that I do not recognize. Please remove from these inquiries off of my credit report. XXXX, XXXX, AND EXPERIAN PLEASE REMOVE THE FOLLOWING : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX OF XXXX
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (ME)

Issue 1. TD Bank mortgage reported XX/XX/XXXX payment as late. Covid 19 Forebearace plan on this mortgage started XX/XX/XXXX and lasted for 18 months, so XX/XX/XXXX was during the forbearance period and should NOT be reported as a late payment. 

Issue 2. I paid the requested mortgage sum amount as personally directed by TD Bank upon completing 18 months of forbearance and it sat in the TD mortgage account, labeled by TD Bank as " unassigned funds '', which prompted late fees charged to me and an additional error on my credit report for late payment. 

TD Bank has since reviewed my payment history and removed all " late fees '', but they have not updated my credit report and my co-borrower 's / husband 's credit report. When I called TD Bank on XX/XX/XXXX about these 2 credit report mistakes, they told me to write to the credit report agencies. 

Please accept this as my written request for an investigation and correction of the 2 error reports on our mortgage account credit history. 

Thank you!
Consumer complaint received 2021-12-17
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX XXXX and I am researching an important transaction through my XXXX Mortgage account which transpired in XXXX, XXXX. Essentially, I am seeking the cancelled check for XXXX, issued XX/XX/XXXX, in the amount of {$36000.00}. 

In XXXX, I refinanced my mortgage to pay off the student loans I took out in XXXX. The student loans continued to accrue interest, despite this payoff, totaling {$110000.00} as of XXXX, XXXX. 

I am disputing this exorbitant interest, as well as the predatory lending practices of the XXXX lenders who have bought and sold my loans, passing along the usurious interest rate of 9 % with each loan sale, despite student loans being at a historically low rate of .99 %.

The Department of Education Office of the Ombudsman requires proof of student loan payoff in order to abolish the disputed interest accrued; thus I am hoping XXXX XXXX can please locate the cancelled check issued to XXXX in XXXX. I have provided the ledger of the refinance transaction, as well as the payoff letter from XXXX XXXX. 

Would you please help me settle this matter so that my loans can finally be recorded as paid in full? My credit rating and ability to obtain a mortgage are being negatively impacted as this is written.
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION (LA)

I was recently scammed on XXXX while using my navy fed credit card, XXXX was no help to me so I reached out to my bank. they started a dispute and this morning said they needed more evidence. so I called navy fed, asked what all they needed to help them come to a conclusion. the lady told me she needed a few things which I submitted and she said the she had received it and that it was perfect. " exactly what they needed ''. I even told her if they needed anything else to just reach out to me. then I get an email a few hours later saying that my case was closed due to a lack of evidence. it just seemed very lazy, instead of reaching out they just close the case and hope I will go away.. even when the lady told me that was all I would need to receive my money back. I gave them everything, every email between me and the seller, the invoice, the tracking number. all the proof any human with a high school education would need to see that I got scammed. but somehow it still wasn't good enough. when I called they told me to appeal it but it would most likely be denied. what more information could have I possibly provided to them? they have literally every single detail about this incident. oh, it was for {$1200.00} in case whoever is reading this thinks I'm complaining about a few dollars.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX and I am researching an important transaction through my XXXX Mortgage account which transpired in XXXX, XXXX. Essentially, I am seeking the cancelled check for XXXX, issued XX/XX/XXXX, in the amount of {$36000.00}. 

In XXXX, I refinanced my mortgage to pay off the student loans I took out in XXXX. The student loans continued to accrue interest, despite this payoff, totaling {$110000.00} as of XXXX, XXXX. 

I am disputing this exorbitant interest, as well as the predatory lending practices of the XXXX lenders who have bought and sold my loans, passing along the usurious interest rate of 9 % with each loan sale, despite student loans being at a historically low rate of .99 %. 

The Department of Education Office of the Ombudsman requires proof of student loan payoff in order to abolish the disputed interest accrued; thus I am hoping XXXX XXXX can please locate the cancelled check issued to XXXX in XXXX. I have provided the ledger of the refinance transaction, as well as the payoff letter from XXXX XXXX. 

Would you please help me settle this matter so that my loans can finally be recorded as paid in full? My credit rating and ability to obtain a mortgage are being negatively impacted as this is written.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX and I am researching an important transaction through my XXXX Mortgage account which transpired in XXXX, XXXX. Essentially, I am seeking the cancelled check for XXXX, issued XX/XX/XXXX, in the amount of {$36000.00}. 

In XXXX, I refinanced my mortgage to pay off the student loans I took out in XXXX. The student loans continued to accrue interest, despite this payoff, totaling {$110000.00} as of XXXX, XXXX. 

I am disputing this exorbitant interest, as well as the predatory lending practices of the XXXX lenders who have bought and sold my loans, passing along the usurious interest rate of 9 % with each loan sale, despite student loans being at a historically low rate of .99 %. 

The Department of Education Office of the Ombudsman requires proof of student loan payoff in order to abolish the disputed interest accrued; thus I am hoping XXXX XXXX can please locate the cancelled check issued to XXXX in XXXX. I have provided the ledger of the refinance transaction, as well as the payoff letter from XXXX XXXX. 

Would you please help me settle this matter so that my loans can finally be recorded as paid in full? My credit rating and ability to obtain a mortgage are being negatively impacted as this is written.
Consumer complaint received 2022-10-02
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. (AZ)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, we purchased refundable airline travel tickets through Chase XXXX for the holidays. We purchased the departing flights for travel on XX/XX/XXXX in the amount of {$440.00} for my two parents, and a return flight for all 4 of us ( my husband, myself, and parents ) to travel back on XX/XX/XXXX for a total of {$830.00}. Total purchase for all flights was {$1200.00} These flights were purchased as refundable, and all policies and rules were reviewed to ensure that in the case of any needs to change our plans due to XXXX we would be refunded. All rules and policies for these tickets had no stipulations, and all indications on receipts, itineraries, etc indicated the flights were refundable. See attached documentation as such. 

On XX/XX/XXXX we were notified that my sister and her family, who we were traveling to see for this itinerary, tXXXX XXXX. We reached out to Chase XXXX to get our flights refunded. I spoke with 6 different people, all of whom informed me that the tickets were not refundable, and there would be a {$200.00} per ticket ( total of {$1200.00} ) to cancel. However, they informed me that they were eligible for flight credit. No where on any documentation is there any published documentation of this policy, and when I contacted XXXX XXXX regarding our ticket, they informed us that they sold the ticket to Chase ( to sell to us ) as a nonrefundable ticket. However XXXX XXXX had no ability to refund us as we purchased the tickets through Chase XXXX. 

What was sold to us was a refundable ticket that was in actuality, not refundable and therefore we were sold a fraudulent ticket.
Consumer complaint received 2020-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Delivery Financial Services, LLC (AZ)

I was a patient at XXXX XXXX XXXX and had XXXX services done while I was XXXX recipient. My medical bills should have been billed to XXXX and I never received any notices otherwise. In XX/XX/XXXX and beyond, I started seeing collections on all 3 of my credit reports for these services. They are listed under several different collection agencies for several different bill amounts ( Approx 10 different collections. I have tried disputing these charges and getting them removed from my credit reports with any success.
Consumer complaint received 2021-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TN)

Shortly before COVID, fedloan servicing contacted me and told me they were increasing my monthly payment because of an accounting error they made. My payment increased from about $ XXXX to $ XXXX. I'm concerned that they have misapplied payments and my balances are not accurate.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

My wife and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove this from our reports since we first found our 5-6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these items from my report.
Consumer complaint received 2022-02-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

The Creditor Reported I Was 30 day late for XX/XX/2022. The mistake happened because I called in late XXXX expressing to have my payment due date changed to XX/XX/2022 and The Call representative read me my disclosures and stated Your payments will now be on the XXXX of month starting now and you dont have a payment due until XX/XX/XXXX. I replied back and said thank you and I thought he disconnected the call but XXXX now founding out the call was dropped. My due date remained XX/XX/XXXX although its note and on record that I will like for my due to be XX/XX/XXXX and the Rep confirmed it. With a XX/XX/XXXX due date I would not 30 days with my account. I request that the 30 day late payment be removed from my account immediately because they have honor the XXXX of each month as my due date. XXXX can verify that every word in this statement is true my account is also paid in full and I have not missed a payment yet.
Consumer complaint received 2021-12-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (DC)

I fell behind on my mortgage payments during XXXX due to unemployment. I have been trying to work out a payment arrangement with Mr. Cooper, # XXXX, to pay something towards the arrears to prevent my home from being sold at auction at the XXXX XXXX 

I have working with the XXXX XXXX XXXX of XXXX XXXX DC. But do not qualify due to the outstanding amount due is more than XXXX. 

I have been a XXXX XXXX resident sent XXXX and do not want to lose my home. I feel that Mr. Cooper should provide me an opportunity to stay in my XXXX  now that I have been working for the past several years. 

I have been working with an XXXX, XXXX XXXX XXXX on a pro bono basis and Mr. Cooper is not cooperating with her on my behalf. 

I am reaching out to your office to seek assistance to stay in my home. 

Thank you
Consumer complaint received 2021-12-17
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. (CA)

On XX/XX/2021 I received an alert from Experian that XXXX. XXXX has flagged my account as a Collection. I then sent a dispute to verify the accuracy of this account. On XX/XX/2021 I received an alert from Experian that my dispute was submitted ( way after the 30 day mark ). I then received an update on XX/XX/2021 that my dispute was closed and that the account was verified. I then asked for a reinvestigation and a notice received that they will not reinvestigate with no explanation at all. I have sent several disputes including copies of the dispute letters that I sent the Collection Agency who has not to this day Validated this account. I am not sure how they verified the account when the creditor will not respond to me. I have sent 4 certified letters to XXXX. XXXX and even the last one was notarized. I still have not received validation of this account but they are still reporting on my Experian.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I have been asking all 3 credit bureaus to provide documentation concerning account I have attached to this complaint since XX/XX/2023 up until this point. They continue to say this account has been VERIFIED with documentation. I have yet to receive any documentation with my signature and date contract was signed from XXXX, Experian, XXXX XXXX or XXXX XXXX. I have sent everything that was requested showing my social security was compromised filled out fraud paperwork that was sent and still nothing that I have requested has been sent.