davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-20
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)

XXXX ; Experian and XXXX  are reporting incorrectly a collection for {$5500.00} for XXXX XXXX partial account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) I have never resided at XXXX XXXX and I have no idea how this item can be reporting on my credit report. This is clearly an error. I have contacted the ( 3 ) bureaus to have this removed, however I have not been successful. This negative reporting is harming my credit score and  these line item needs to be deleted from my credit report.
Consumer complaint received 2019-06-20
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. (VA)

All 3 credit agencies are reporting my home address as and XXXX XXXX 
They have my street number and name correct, the town and zip are correct but there is no XXXX XXXX 


They also list additional addresses which I've never lived at or paid and received bills for. 


Despite repeated phone calls and letters refused to correct.
Consumer complaint received 2018-07-21
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. (OR)

XXXX XXXX reported that I opened a credit card account with them on XX/XX/18 which is a very generic date ( people don't get everything done on XX/XX/XXXX, so this date is obviously fraudulent ). I've never done any business with XXXX XXXX and when I disputed this information with Experian TWO TIMES they did not remove the account from my report even though I didn't open this account. I have been given no proof that I opened this account, probably because I don't didn't, and any proof would thus be fraudulent.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (MN)

Sagestream llc came up on my credit report back in XX/XX/XXXX so on XX/XX/2019 faxed my info to them i called them 3 times no respond all I want is my consumer report I'm at a dead end just trying to figure out whats on there report I need some help.Thank you XXXX XXXX
Consumer complaint received 2019-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

On the XX/XX/2019, Ocwen mortgage provided a mortgage reinstatement quote. At the same time, I received a notification of mortgage loan service to XXXX. Ocwen and XXXX are one in the same company. I contacted XXXX to get a reinstatement notice but told it would take 5 business days. Yet the Ocwen system could immediately provide me with a quote. To prevent additional fees being charged, I bankwired {$18000.00} to Ocwen from XXXX XXXX XXXX. As of this date, I've deal with Offshore call centers who are absolutely clueless and are showing nothing. One would think that a bankwire and the loan status, would get priority when processing a bank wire. I've bank wired funds in the past to Ocwen and they were applied immediately. I'm tired of the run around and the clueless call center employees. I want the funds applied as of the XX/XX/2019 when they were received I've attempted to contact the CEO or the executive response unit. Nothing exists as I suspect they would be inundated with complaints like mine.
Consumer complaint received 2020-02-08
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. (MO)

The following accounts are not mines nor do I know the person or persons inwhom added me to these accounts as an authorized user, I'm demanding that these accounts are removed from my credit file. 

1 ) XXXX/XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

The following accounts are not mines nor do I know the person or persons inwhom added me to these accounts as an authorized user, I'm demanding that these accounts are removed from my credit file. 

1 ) XXXX/XXXX  XXXX XXXX 2 ) XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NH)

Our mortgage company, Lakeview Loan Servicing , LLC has not been paying the property taxes even though we have been escrowing monthly payment ( {$460.00} ) ever since the inception of the loan. We received notification of tax delinquency in XX/XX/XXXXand reported it right away, following up with faxed documents and phone calls at least six times since. Now the town will be placing a tax lien on our property Monday. Our last mortgage statement shows an escrow balance of over {$4000.00}. We have never been late with a mortgage payment.
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (IL)

there is a collection account that was reported on my credit bureaus XXXX, XXXX and XXXX in the amount of {$1000.00} this is from XXXX XXXX XXXX, and is being services by credit collection services XXXX XXXX XXXX XXXX MA XXXX I have contacted them and XXXX XXXX as first of all I changed insurances in XX/XX/2018 I  switched to XXXX XXXX I notified the agent of this change, they continued to bill me and caused an overdraft in my account before finally cancelling the insurance. also I never received anything from the collection agency I found out about this when it showed up on my credit report
Consumer complaint received 2020-02-08
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. (MO)

The following accounts are not mines nor do I know the person or persons inwhom added me to these accounts as an authorized user, I'm demanding that these accounts are removed from my credit file. 

1 ) XXXX/XXXX  XXXX XXXX 2 ) XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (VA)

While shopping for a XXXX TV I saw they offered financing with 0 % APR for 6 months. I applied, got approved for {$1200.00} and bought a {$400.00} TV. 

The marketing for this financing does not show that it is for a " credit card '' with monthly payments. I never received anything in the mail, until three months had passed and at that time I missed two {$11.00} payments and now have one 30 day late on my credit report. 

I have worked in XXXX for XXXX, XXXX, XXXX XXXX and XXXX and I know how to XXXX  financial products and services and how they need to be explained up front. This was truly mis-leading ( see attached ). 

I need TD Bank to remove the 30 day late on my credit report.
Consumer complaint received 2018-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (CA)

BBVA Compass bank provided me with misleading information about the funds in my account, which caused me to overdraft and be charged over {$120.00}. Between XX/XX/2018 and XX/XX/2018, I initiated 4 transactions relying upon the account information provided to me on their mobile app. Both thof available balance and posted balance were the same and indicated I had funds. Upon making these transactions throughout the weekend they were not even showing as pending in my account until XX/XX/2018. I dont not believe I should put be charged NSF fees having relied on the erroneous account information they provided. 

Further, in my previous interactions with the bank, they told me to set up overdraft alerts so that I wouldnt be charged so many NSF fees. Their alerts are useless becaus 1 ) the transactions dont even show as pending into the account until a few days after making a transaction ; and 2 ) the email and mobile alerts dont even alert you until almost 48 hours after the account would go negative. Every bank Ive previously had would show pending transactions that have a {$1.00} hold in the account. This bank doesnt do that ( despite showing a pending account balance ) and deceives their customers in order to charge them grossly unfair overdraft fees. 

On XX/XX/2018 I spoke to a banking representative and unsuccessfully asked to reverse my NSF fees. During the conversation I asked them to opt me out of courtesy overdraft payments so that I can stop incurring their rediculous fees. On XX/XX/2018 and XX/XX/2018, they have charged me {$96.00} in NSF fees. They told me these fees would stop and that the transactions just wouldnt authorize.
Consumer complaint received 2015-11-06
Product: Payday loan — 
Issue: Can't contact lender — 
Company: EXPERT GLOBAL SOLUTIONS, INC. (OR)

I keep getting calls at all hours, XXXX etc. XXXX. and I finally after XXXX calls got the heavy accented person to tell me the company calling me and my friends, relatives, is NCO from XXXX, florida. I told him I had turned him into the oregon state attorney generals office and the CFPB also, and he told me the case is closed, and now I will be served papers and sued from them and a company called XXXX XXXX XXXX whoever that is. He said it was a payday loan company, but I never took a loan with them. I asked why I hadnt recieved a bill and he couldnt answer that. The first call they wanted money over the phone, this call once I told him what I did, he said I would be served papers. On the internet there are lots of complaints about these people. They need to be stopped. I want to sue them if you will take my case. Please help me to make the phone calls stop. I have also filed a complaint with the state attorney generals office. Please feel free to contact me at XXXX during the day. I am XXXX and cant take much more of this harrassment. Thank You.
Consumer complaint received 2021-06-11
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. (GA)

On XX/XX/XXXX, I disputed an account with XXXX  and Experian reported by XXXX XXXX XXXX for a balance with XXXX in the amount of {$1200.00}. 

I was informed on XX/XX/XXXX that the item was deleted from my credit report due to inaccuracies and violations. 

Now I have discovered that the item has been re-inserted on my credit report by ERC.

In accordance with the requirements of the FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days.

I received no such notification. This is a very serious violation of the FCRA.I have sent notice to the company that they immediately delete the item from my credit report in order to avoid legal action.
Consumer complaint received 2021-06-11
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. (CA)

XX/XX/XXXX : I was shopping for a new car in California. I looked at a few dealerships but only authorized one of them to run my credit, XXXX of XXXX XXXX. In my credit report, there are multiple inquiries from other XXXX dealerships that I did not authorize. There should only be one : XXXX of XXXX XXXX. I have not contacted the other dealerships to resolve this issue. 

XX/XX/XXXX, my husband and I were in search of a new home, as part of a residential mortgage application, I authorized XXXX to check my credit. Due to a XXXX system error, they ran my credit twice, thereby negatively affecting my credit. I did not consent to the second credit check ( nor was I asked ). There should only be one inquiry from XXXX
Consumer complaint received 2019-06-20
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: TD BANK US HOLDING COMPANY (WV)

My name is XXXX XXXX. I am writing concerning Target and how they report payments as being not paid. In XX/XX/XXXX maybe XX/XX/2019 I was late and behind on my credit card payments and considered giving up and not paying at all. I quickly decided against the idea and seen on their payment page they offered a payment plan. So, after talking everything through with my wife we decided together this would be the best course for us even though we knew Target was still getting more than we would owe.But, after a few months and a totalled vehichle we needed to purchase a new one we started checking credit rteports to find out where we stood with our score. I quickly seen Target has been reporting to the credit reporting agency 's we are late with our payment. I called and spoke with several Target customer service agents and all I given was no help. I tried through credit disputes with XXXX and XXXX no help. My problem is Target allows customers to agree to these payment plans on their website and then you make the payments as agreed upon and they still report you to the credit bureus as being late which in turns cost me 20 to 30 points every month on my credit report. I am trying to pay my bills and feel bad in the first place for getting behind however I feel duped in away thanks I hope this makes since
Consumer complaint received 2019-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (GA)

I refinanced my mortgage through XXXX XXXX. I closed on refinancing on XX/XX/2019. I was directed by XXXX XXXX  to make my monthly payment to The Money Source, their loan servicer. I made a monthly payment as well as two payments toward the principal. In total, I paid The Money Source {$3500.00} between XX/XX/XXXX and XX/XX/2019. Of the {$3500.00}, {$1200.00} was interest, {$480.00} was escrow, and the rest went towards my principal balance Sometime in late XXXX, XXXX XXXX  sold my loan to XXXX. However, when I received my first statement from XXXX, I was surprised to see that XXXX was not reflecting any of the payments I made to The Money Source. I contacted all three companies involved : XXXX, The Money Source, and XXXX XXXX. XXXX and The Money Source were telling me they owned the loan. However, XXXX XXXX  assured me The Money Source was wrong and that XXXX owned my loan. When I asked XXXX XXXX why my payments to The Money Source were not being reflected by XXXX, they did not know the answer. As of today, The Money Source and XXXX are saying I owe them my normal monthly payment on XX/XX/2019. 

In short, XXXX XXXX  has created an issue where two different lenders/loan servicers believe that I owe them for the same loan. I have tried to resolve this issue with all three companies but they all tell me they will investigate or look into the issue at hand. 

I am filing a complaint to ( 1 ) get assistance resolving this issue, ( 2 ) to inform others of the issue that I had, and ( 3 ) to help the industry improve and remove bad players who don't do things as they should.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

All 3 credit agencies are reporting my home address as and XXXX XXXX.

They have my street number and name correct, the town and zip are correct but there is no XXXX XXXX.

They also list additional addresses which I've never lived at or paid and received bills for.

Despite repeated phone calls and letters refused to correct.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have two item on my Equifax credit report both with XXXX XXXX XXXX one in the amount of {$500.00} and another in the amount of {$700.00} i can not identify with, these two item and tried with no success to request any sign documents or any original contracts that was signed to prove accuracy
Consumer complaint received 2020-02-08
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. (UT)

Experian Report Number : XXXX, XXXX is a fraudulent account type. Terms 1 Months is inaccurate please remove this account from my profile.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: LAKE MICHIGAN CREDIT UNION (MI)

Lake Michigan Credit Union XXXX # XXXX XXXX dispute case # XXXX AND XXXX First account issue was un authorized transactions withdrawal from my checking account that lmcu refuse to address or refund. 

Second account issue was the fraud from XXXX for XXXX justice # XXXX. This organization has taken my money and absolutely abandon me for the legal services it was hired for. I was hoping that lmcu would have helped me with both issues. Now they have closed my account and refuse to help me with the refunds. I will be mailing my supporting documents. It will not upload to this site.
Consumer complaint received 2019-06-20
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. (TX)

Equifax and XXXX are reporting incorrectly a past due amount on the XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This vehicle was involved in a car accident and totaled. The insurance company paid all of the balance with the exception of a small portion remaining which will be paid on Friday, XX/XX/2019. Please remove this line item from my credit report.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 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 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-06-20
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)

I have two collection accounts listed on my credit report for XXXX XXXX. I have never had an account or contract with this company. This collection account is reporting a past due amount ( not possible because there is no contract and no payment schedule ). They are also reporting a payment history on a collection account that is re-aging this debt. There should be no payment history listed on a collection account.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

Per previous complaint XXXX. Which was resolved, with conditions of GM Completing tasks to finalize my servicing needs. GM Financial has not upheld their original promise of removing the late reporting for XX/XX/2017 and XX/XX/2017. These 2 months still show as delinquent. GM financial should have removed these items given GM Financial was going through a chaotic system update which hindered my payments from being processed correctly. This is a violation of the fair debt collection act as creditors are supposed to allocate to principal a d interest before any late fees, GM Financial applied my payment to late fees and left my principal and interest still showing due. At the time I received a payoff {$250.00} excluding late fees in which I paid XXXX and again GM Financial violated the FDCA by applying that payment to late fees only. This needs to be rectified, as these erroneous late reporting have caused difficulties in obtaining new credit.
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AL)

I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.