davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-03
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS APPEARS ON MY REPORT AS A RESULT OF ID THEFT : XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING INQUIRIES ARE ALSO A RESULT OF ID THEFT : XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I HAVE ENCLOSED MY POLICE REPORT AND ID THEFT REPORT.
Consumer complaint received 2020-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

Sent the following letter to Equifax -- -- this debt is outdated XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following information is outdated. I would like it removed from my credit history report XXXX   XXXX  XXXX Account Number : XXXX Violates the Federal Debt collection Laws. I want it removed from my report 2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Violates the Federal Debt collection Laws. I want it removed from my report 3. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Violates the Federal Debt collection Laws. I want it removed from my report 4. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Violates the Federal Debt collection Laws. I want it removed from my report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help
Consumer complaint received 2020-09-25
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. (LA)

Ive contacted trans union multiple times trying to see why my score dropped 53pts with no negative impacts only positive impact Ive paid everything on time 100 % thats Ive been doing for years keep my credit cards under 30 % utilization. They sent me my credit report and all positive impacts on there. They still cant give me a reason on why it dropped told me contact other places it dropped on as credit wise n XXXX XXXX they also only had positive impacts at the time and told me Ill have to contact transunion did again and was samething no reason why it dropped basically have me running around in circles. I think honestly because Im XXXX American that Im being discriminated against feel as if they are trying to hold me back
Consumer complaint received 2020-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (AL)

Midland Funding filed a lawsuit against me on XX/XX/XXXX in XXXX XXXX, Alabama. I was never duly served with the complaint and a default judgement was entered against me on XX/XX/XXXX. 

I did not learn of the lawsuit or default judgement until my employer was served with a garnishment order on XX/XX/XXXX. I filed a motion with the court to set aside the default judgement to allow me to answer the complaint. XXXX XXXX set aside the default judgement on XX/XX/XXXX. 

The attorney for Midland did not have any evidence at the hearing to argue the case, so the judge set a hearing for XX/XX/XXXX. On XX/XX/XXXX, the judge set a trial for XX/XX/XXXX. 

On the date of the trial XXXX XX/XX/XXXX XXXX, the plaintiff ( Midland ) did not present any evidence to the court showing that I owed the debt or that they were the owners of the debt. The evidence entered was unsatisfactory to the court, as it had absolutely nothing to do with me. The attorney requested a continuance on the case to allow him time to gather evidence. The judge, reluctantly granted the motion, but stated that he would not allow any more continuances on this case and expressed his displeasure with the attorney for coming to court with no substantial evidence and stated that with his granting of this motion that the plaintiff better come back with evidence. 

After the trail on XX/XX/XXXX, the defendant filed a motion with the court to dismiss the case ( Apparently they had no sufficient evidence ). 

On XX/XX/XXXX, the judge entered an order ; dismissing the case in my favor. 

I have since then filed disputes with XXXX, XXXX  and XXXX to have all traces of Midland removed from my credit. XXXX  is the only credit reporting agency that has adhered to the judge 's order and removed this information. 

Midland should have themselves removed this information, yet they have made me jump through even more hoops to remove something from my credit that I do not owe them. This just substantiates the further harassment by Midland and their cronies.
Consumer complaint received 2020-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (HI)

XXXX, our homeowners ' insurance company, issued a check dated XX/XX/XXXX for {$6400.00} to us and the holder of our Note, XXXX XXXX. After XXXX 's attorney gave us the address, we sent it to Select Portfolio Servicing per her instructions, on XX/XX/XXXX. I received no response and called to find out the status in late XXXX. No one knew. On XX/XX/XXXX the check expired. On XX/XX/XXXX, Select Portfolio returned the expired check to us, saying that it must be issued to SPS, as XXXX is the " prior mortgage company '' although XXXX is the Plaintiff in a foreclosure action against us. On XX/XX/XXXX XXXX reissued a check to us. Since this check never arrived, XXXX reissued another on XX/XX/XXXX. I sent this check to SPS. Payment was stopped on this check when SPS said it did not arrive. XXXX issued another on XX/XX/XXXX which I sent to SPS. I then called SPS. I was told that no inspection was needed as it was a private insurance check and that it would be indorsed to us shortly. On XX/XX/XXXX, XXXX, I received a letter from SPS dated XX/XX/XXXX saying we need an inspection, a worksheet, the endorsed check, a signed contract/proposal and a waiver of lien, among other things. The check was enclosed, and we signed it and returned it. I called again, and this time was directed to call the XXXX attorney 's office as the mortgage was in foreclosure. The attorney had no idea what I was talking about when I discussed the insurance check and problems. I called SPS again. I was told that none of the items in its XX/XX/XXXX letter were necessary because the claim was not being paid by SPS 's insurance. No one knew where the check was, but I was directed to a site for collections. On the company collection website, it appeared that whichever division this is believes that the payment is coming from SPS 's insurance. On XX/XX/XXXX, XXXX reported that SPS had cashed the check. I called SPS and was again directed to call the attorney for foreclosure.
Consumer complaint received 2020-10-03
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. (AZ)

XXXX  XXXX XXXX credit card had been taking funds- {$100.00} from my personal checking account monthly for 3-4 months after balance was already paid in full in XX/XX/2020. They continued to do so after I went only to cancel payment plan numerous times. Eventually I managed to call and had them to refund me the {$300.00} back. However, they started to report to credit bureaus in XXXX that my account was late out of the blue and caused my credit score to drop by 30 points. Thats insane. Theres no balance in the account. ( Negative balance actually ). Please help and investigate this. I am in process of getting a car loan. And I have to put that on hold now until I get my score back up
Consumer complaint received 2020-10-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RS Clark and Associates, Inc. (FL)

I rented a washing machine and it stopped working completely. I had to take all of my clothes to a public laundromat. I contacted the company and they made several repair appointments but never showed up. In turn, I stopped paying for the washing machine and then schedule to have them pick up their machine. They took a long time to pick up the machine and at the same time kept billing me. I told them that I would not pay for a machine that quit working. 
One day I checked my credit report and saw that they were on my credit report as RS CLARK & ASSOCIATES. When I called the company I was very upset and still did not believe I owed them anything but because I am working on my credit when they told me that they would pull the bad report back so I could pay, I decided it was worth it. Only to find it on my credit report but marked as paid. That was not what was agreed upon. The payment manager for XXXX  XXXX  told me that RS CLARK & ASSOCIATES was part of their in-house collection and that if I agreed to pay they would pull the account back and off of my credit report. There was supposed to be no trace of them on my credit report, not even as paid because paid makes no difference in terms of dragging down my credit score.
Consumer complaint received 2020-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my account and did not give me a reason why. They closed the account on XX/XX/2020 and as of today, XX/XX/2020, I still don't have my funds from the account they closed. They keep saying the money has been sent and will take until XX/XX/2020 to get to me. This is completely unacceptable.
Consumer complaint received 2022-09-16
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. (LA)

This account is from a student loan in XXXX & pell grant in XXXX & the loan is in process of being forgiven. Why they reported it to my credit in XXXX more than 10 years later I will never know! The amounts are equaling to almost {$14000.00}.
Consumer complaint received 2020-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

XXXX, This is regarding gardner white credit card ( Comenity ). I was charged late payment in month of XXXX. Then I talk with customer representative and he advised me to set auto payment for minimum amount and I followed what he said. Then I thought everything is set then this month I logged in to my account just to see what's going on and saw interest charge since XXXX when I asked the guy said I need to pay more to avoided and I explained what I was told to avoided all these charges and request for refund but they declined. They are lying with the people and putting wrong charges in customer. I want to get my refund of interest charges as this is not my fault. 
Kindly do the needful. Thanks
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

Experian is simply not providing me with a " XXXX '' score. As a result, I am not able to obtain any credit, let alone credit with fair and reasonable terms. According to their site, reasons for not having a score do not apply to me. For instance, not having a credit history, or being deceased. Also, I have a score with XXXX  and XXXX, therefore Experian 's act is unconscionable to say the least.
Consumer complaint received 2020-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (OH)

The payoff payment sent on XX/XX/20 via overnight mail in the amount of {$22000.00} is missing from my account. Please locate the payment and post to my account. As of XXXX Chase has not posted the payment to my account. Thank you.
Consumer complaint received 2020-09-25
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. (CA)

XXXX of this year I filed disputes with the credit bureaus and yet to this day have a received anything from them. This is holding up my processes of repairing my credit and I feel this isnt right. I know the law said they must reply within 30 days it has been longer and this should not be allowed no matter what going on.
Consumer complaint received 2023-05-08
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. (TN)

Experian has knowingly furnished my inaccurate personal information, WITHOUT obtaining my wet ink written instruction to do so. This is in violation of 15 USC 1681B ( a ) ( 2 ) ; a consumer reporting agency may furnish a consumer report under the following circumstances and not other ; in accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2020-09-25
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. (SC)

Hello, my name is XXXX. To whom this may concern. TransUnion and XXXX  deleted some items off my credit report and decided to put them back onto my credit report. Which is against the law by the Credit Fair Reporting Act. I just want your help with ensuring they delete these items back off my credit report and to never place back on my credit report. Thank you
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northtown Capital Services Group LLC (MO)

North Town Capital in XXXX NY has been calling me and all my family members trying to get information about someone I am not related to. They refused to completely identify themselves. They lied and said they were a company that just gathers basic info for something I forget what she said. They identify as NCSG only. The lady said by state and federal law they can not disclose information of what they do. Lie one. They said by law they are allowed to call anyone they want when they want.
Consumer complaint received 2020-09-25
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. (IL)

I contacted Experian and XXXX  recently regarding information reported on my credit file. I inquired about the individual/s that reported to their concerning regarding a bankruptcy in XXXX and XXXX. I was advised by the representatives/ and supervisor that the United States Bankruptcy Court XXXX District of Illinois reported the information to Experian and XXXX . I asked that information be removed in accordance to Section 1681 ( 5 ) of FCRA ( Fair Credit Reporting Act ) I was told they would not be removing because the above entity reported this information. The above-mentioned credit agency was advised that the Bankruptcy Court did not report this information and I presented proof of this information to the credit reporting agency. I received and update to my credit report on XX/XX/XXXX stating they had completed my dispute. Experian and XXXX seem to not follow the law in reporting fairly and in accordance to the law. I have attached the letter of removal sent to XXXX  and Experian, the letter from the bankruptcy court, and their removal for non-compliance
Consumer complaint received 2023-05-08
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. (TX)

I filed bankruptcy in XXXX XXXX XXXX and put this car on it. During my bankruptcy Ive paid off the car within the bankruptcy. The final dispersement payment was on XX/XX/XXXX for {$110.00}. They said the only payments they have received were that 1 and 2 more leaving my balance at XXXX XXXX and some change. I have court documents of like 20-30 checks dispersed to the company. They told me they gotten only 2 checks. I have court documents that say they received all payments for the car and there is nothing left in my bankruptcy trustee account because they've gotten the money. All I want is for the information to be corrected on my credit report before I have to call my lawyers back up. The company is known for crooked tactics by the XXXX  they have like a 2 star rating for good business. They told me the car is up for repossession and it's paid off which is the craziest thing Ive heard iny life.
Consumer complaint received 2020-09-25
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. (CA)

XXXX of this year I filed disputes with the credit bureaus and yet to this day have a received anything from them. This is holding up my processes of repairing my credit and I feel this isnt right. I know the law said they must reply within 30 days it has been longer and this should not be allowed no matter what going on.
Consumer complaint received 2020-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (IL)

I was looking to purchase my first home & Quicken loans/Rocket Mortgage said I could afford a loan through them. The home was found to be on 2 parcels well before we finalized the mortgage & Rocket Mortgage ordered an appraisal to include the second parcel. I was assured throughout the process that the numbers presented to me, which were the max I can afford, included taxes on the 2 parcels. The finalized payment was $ XXXX/mo in total which is at the maximum of the debt/income ratio lenders need to qualify for loans as I make only $ XXXX through XXXX. Three months after moving & the city sent out the tax bills I received a notice from Rocket Mortgage saying that my mortgage was sold to another company. Later upon checking my payment for XX/XX/2020, I noticed the payment had ballooned to {$1000.00}. 

I called Rocket Mortgage & they told me they didn't know there was a second parcel. They said that once they added the second parcel it ballooned my payment & that I have to pay it. I only make $ XXXX/mo. I can't afford this loan & I can't sell me home for at least a year because of the mortgage contract stating I was buying the home to live in, not for profit. This is either a case of predatory lending or gross negligence, but either way Rocket Mortgage violated federal law when they issued this loan to me.
Consumer complaint received 2023-12-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

For the multiple times, I am disputing the same account that was reporting inaccurate information on my credit report and it really ruining my overall score! How many times should I informed you that I dont have missed payment on this account? I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. It is evident that there may have been a system error or failure to update the information accurately. I request a thorough investigation into the matter to determine the cause of this discrepancy. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I had reviewed my credit report on the month of XXXX and this account was reporting in good standing. And when I reviewed my credit report on the month of XXXX, this account was reporting with late payment which I disputed right away and I am determined that I am checking right after my payments. And I wonder as the months goes by as I received my credit report, the account was reporting inaccurately miserable. I can sure that there was a system error or lapses in your investigation that this account keeps on reporting inaccurately.
Consumer complaint received 2023-05-08
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. (NJ)

XXXX XXXX XX/XX/XXXX account was close and paid off with a XXXX balance they refuse to update the information on my credit report XXXX XXXX XXXX XXXX this account is close. It paid off with a XXXX balance. They refused to update the information on my credit report. 

XXXX in XX/XX/XXXX this account is closed and paid off, is still shows up with a negative balance, a late payment and they refused to update it on my credit report