davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had decided I wanted to get a copy of my credit report and find out my credit score. On XX/XX/XXXX, I went first to consumer.ftc.gov, and that website transferred me to the annualcreditreport.com website. That website asked me where I wanted to get my credit scores from. I clicked on Transunion and was transferred to the transunion.com website. There I was asked again where I wanted to get my credit scores from. This time I clicked on all three credit reporting agencies. At that time, I did not know that, while credit " reports '' are free, credit " scores '' are not free. After Transunion showed me my Transunion credit score, I logged off. I figured I would receive notification of my credit scores from the other two credit reporting agencies by email later. What I was not expecting was a notification from my credit card company that Transunion had billed me {$29.00} and {$19.00}. I called Transunion ( XXXX ) on XX/XX/XXXX to find out what these charges were for. The Transunion representative informed me that obtaining credit scores from all three reporting agencies cost {$29.00}. I don't recall seeing that on the website, but at least I got something for what I paid. But when I asked what the {$19.00} charge was for, the Transunion representative told me it was for one-year of a credit monitoring service. I said I was not aware that I had purchased that credit monitoring service, and that I did not want it. I asked to cancel the credit monitoring service now. The Transunion representative told me that they could cancel the automatic renewal of the credit monitoring service at the end of the year. I said, " No, '' I do not want the service, I want the service to be canceled now, and I want the {$19.00} charge to be reimbursed. The Transunion representative just repeated that they would cancel the renewal, but that they would not cancel the first year 's service. For this reason, I am filing this complaint : Transunion will not let me cancel an order for a credit monitoring service that I did not know I had ordered, that I do not want, and that has not yet been performed.
Consumer complaint received 2019-04-29
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX XXXX My complaint is in regard to XXXX Equifax and XXXX XXXX. Dating back to XX/XX/XXXX I appointed A credit repair company known as XXXX XXXX XXXX to repair my credit, XXXX. automatically sent dispute letters. to me My job was to sign my name and then sent these dispute letters to XXXX, Equifax and XXXX.after I have been corresponding these dispute letters to all 3 agencies, However all 3 agencies have not been abiding by the law. In XX/XX/XXXX all 3 agencies responded and exclaimed that they could not identify who I was. This was not true because I enclosed copies of my drivers license, social security number, and a credit card bill. I hope you can contact all 3 companies and make them abide by the rules. if they need more info they should contact me at XXXX XXXX or XXXX instead of disposing of my letters with a redundant excuse. Your sincerely XXXX XXXX
Consumer complaint received 2019-04-29
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. (NV)

I have disputed inaccurate information on my credit report. I submitted letters to each of the credit bureaus and I only heard back from experian. However, experian didnt send me my results. It has been longer than 30 days.
Consumer complaint received 2018-08-14
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. (NM)

I have an auto loan with XXXX XXXX, which is almost paid off ( Balance {$470.00} ). This loan was a joint account with my ex-husband, which went with me upon divorce. I have struggled to pay this loan. The job I had for many years was eliminated, I had a very sick child which brought on enormous hospital bills, went back to college, etc. However, I have continued to pay this loan. 

In XXXX, I moved to a new state for personal reasons and my car payment that was due on XX/XX/XXXX was late, It was paid on XX/XX/XXXX, at XXXXXXXX XXXX prior to it being 30 days late. However, XXXX reported it as 30 days late to the credit agencies. 

It should not be reported as late. The payment was online and instantaneous. In addition, I have gone through each bill of theirs and am in fact a month ahead of what they show. I have requested a complete and itemized audit of my account in the past, but have never received one. I personally spent hours going through each and every payment numerous times and each time show that I am in fact one month ahead.

In addition, I wrote them numerous times asking for the exact payoff needed to close my account. I requested the information in writing. They did not even acknowledge that they received my requests, even though I have delivery confirmation. After all the years, I have been dealing with them, I would like written confirmation of the exact amount I need to pay them in order to own the XXXX XXXX XXXX free and clear. 

Thank you, XXXX XXXX ( they still have my account under my married name which was changed in XXXX, XXXX XXXX ) Account # XXXX
Consumer complaint received 2020-08-01
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. (AZ)

I reviewed my credit reports and notice that after thorough investigation, XXXX removed the negative item that XXXX XXXX reported but XXXX XXXX and Experian report negative items for accounts I am strongly disputing. I noticed one credit report states charged off closed and the other says charged off open. This " Account '' can not be opened and closed at the same time so there is a distinct error right there. There is no substantial proof that this debt is owed to the company and under the FCDPA, I am entitled to the validation of this alleged debt which I have not received. By law, If the required information is not forthcoming, all attempts at collection must immediately cease and correct information must be reported to all XXXX Credit Bureaus.
Consumer complaint received 2024-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2020-07-30
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. (NC)

I previously disputed a collection from XXXX XXXX  appearing on all credit reports the collection company XXXX  responded to CFPB stating the collection item was placed on hold pending a financial application review from original creditor my problem is the collection company continues to report item to the 3 credit bureau companies if in face the original creditor requested a hold why is it still being reported? 
Original response from medicredit is attached showing item is placed on hold
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I opened a lease with XXXX XXXX for a XXXX XXXX XXXX XXXX. I turned that lease in a few months early to XXXX XXXX XXXX where the lease originated in favor of a new XXXX XXXX XXXX Truck. My remaining balance was rolled over into the new XXXX purchase. I have been disputing this claim of balance owed for 3 years. They have provided no proof or validation of debt. They refuse to work in conjunction with the dealership where lease was purchased and the dealership claims no responsibility that their paper work is correct showing i owe nothing and remaining balance was rolled over to new purchase. I am extremely frustrated as this affects my credit and my ability to purchase a vehicle. The first numbers on the account are XXXX and the wrongly reported balance is XXXX. They have never filed for collection on this account nor provided any proof to there claim other than what their computer says. They've been extremely combative and unwilling to fix or investigate the issue.
Consumer complaint received 2018-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MA)

Greetings I have a mortgage with AmeriHome Mortgage. Every month I overpaid my mortgage and the extra was always applied to the principal. On my most recent payment, the extra was applied to future payment instead of the principal. I have called total of three times trying to get the issue. The customer service said they will correct it but is never done.
Consumer complaint received 2022-03-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I was notified of a new item reflecting on my credit report by XXXX credit reporting agency. When I logged into review I saw that Capital One my auto loan was reporting incorrect information. 
I filed XXXX XXXX last year however the auto loan was not included with that and Capital One reaffirmed my loan. 
On the credit report they are showing this included in the XXXX and are reflecting no payments of any sort on my account. I have contacted my attorney and I was informed and verified this was reaffirmed. 
XX/XX/XXXX I filed a dispute through XXXX stating the information reporting was incorrect. XXXX notified me the same day that the dispute was resolved. I again filed a dispute for the XXXX time on XX/XX/XXXX stating the balance, payment and reporting this as included in XXXX was incorrect. XX/XX/XXXX they completed the dispute again nothing updated by my lender still stating included in XXXX  XXXX but now with a balance and no payment. 
I called Capital One XX/XX/08 and spoke to lady we will call ID XXXX was not able to understand her name after asking for her to slow down a couple times. Anyway, I asked to speak to someone about the account not reporting correctly. I was told she can not help me with that i have to do this in writing or by fax. I asked again for her to explain why and she stated that department will assist in Bankruptcy questions. As I explained my account was reaffirmed she gave me the information to fax my concerns to. 
XX/XX/XXXX I faxed capital one a copy of the reaffirmation agreement, copy of my timely payments made all prior to due date, copy of email from my attorney to them regarding the affirmation as well as copy of the dispute findings. 

I was not contacted nor have I received any emails to my request. I am done trying to get them to respond and ignore my plea to correct this information error on my account i have in good standing is reporting correct. I also informed them i have not received any statements for that account and i asked to have them start to mail me copies.
Consumer complaint received 2020-08-01
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. (OH)

XXXX XXXX XXXX XXXX claims I owe them {$1100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX. I have no idea who these people are and have never received a bill. They dont have have my signature. Yet Experian wont remove it. XXXX removed it months ago.
Consumer complaint received 2020-08-01
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (MA)

I am getting frequent harassing phone calls from a company called NAVIENT., I do not know this company nor ever did business with them, nor do they have any reason to contact me for any other reason. I keep getting harassing phone calls from them to call them back, and that I was an alternate contact for them about an outstanding student loan that is delinquent. I did some research and there a federal Student Loan Management company for the US Department of Education and companies and Debt collectors for  delinquent student loans and other financial services. 

NAVIENT Address : XXXX XXXX XXXX, XXXX XXXX XXXX, DE  XXXX XXXXXXXX XXXX   XXXX XXXX They keep calling me and harrassing me, to call them back and leaving messages about a delinquent student loan. I never had a student loan nor did I ever cosign for one. I never been to college and no collage can say that I owe them any money or any other education company or any other company for a matter of fact. They are a very shady company buying debt loans and adding Thousands on top of the outstanding balance and then harassing people to pay them for money that they just added on top of another dept. Their website says that their not associated with any other USA company. So why are they in operations in the USA? based in XXXX XXXX XXXX XXXX USA. Another shady foreign owned company allowed to operate in the USA under protection of other sub companies like their shareholder company : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX KY, XXXX XXXX I never took a student loan from any company private or Government runned, I do not owe anyone any money at all for anything. This should make an interesting infestation that dept companies are allowed to add unpayable dept on top of another outstanding dept, that the borrower can not even pay off, and then sending them 100 's  of collection mailings and harassing phone calls, and contacting people who do not even know about the outstanding loan or dept that there trying to collect on. Targeting innocent unaware people for money by harassment and threats about repossessing their property when they have nothing to do with the dept, loan outstanding or their company in any way. Or Just because one family member with the same name or different name took out a loan and the other did not know nor ever co signed for it, and do not even live together, or have anything to do with their business they go after family members for the collection of the outstand dept that the person owes. 

Sounds like a mob operation.
Consumer complaint received 2018-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans Union credit bureau is still listing an outdated " hard '' credit inquiry on my credit report. The inquiry is dated XX/XX/2016 and is over 2 years old. The company that made the inquiry is XXXX XXXX XXXX XXXX. 

I have contacted both Trans Union and XXXX XXXX, to have them delete this inquiry from my credit file, with no success. 

The FCRA, or Fair Credit Reporting Act, passed by Congress, mandates that any " hard '' credit inquiry that is 2 years old or older, must be removed from a consumer 's credit file immediately.
Consumer complaint received 2018-08-15
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (CA)

On or about XX/XX/XXXX, I disputed and requested a written accounting of my mortgage payment from Ocwen Loan Servicing LLC. I did not receive said request however Ocwen did cause a Notice of Default to be filed against my home. I subsequently had to file Bankruptcy Chapter XXXX, which stayed the foreclosure proceedings, and Ocwen received 5 plus years of mortgage payment. On or about XX/XX/XXXX, Ocwen filed another Notice of Default against my home - claiming at least 10 different alleged amounts of money owed them when I contacted Ocwen to again request written accounting I was told " You're a loser ... you'll get kick out of your house ''. During the last 8 years Ocwen has threatened, harrassed, and has used unlawful tactics ( wrongful foreclosure ) against me to collect wrong amount of monies owed. I currently have a Trustee Sale date  scheduled of XX/XX/XXXX
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

XXXX XXXX sold my old account to a collection service. I hired XXXX XXXX in XX/XX/2017 and disputed the collection account. It was removed in XX/XX/XXXX/XX/XX/2017 from all credit reporting services. Most recently the account was sold to another agency XXXX XXXX XXXX in the amount of XXXX. They are attempting to collect a debt that was already disputed and found in favor of me the consumer and dropped from my reports. It has now been added once again under a new firm. I called and explained this to them and they acknowledged the dropped dispute but then proceeded to try and tell me this was for a second line. They provided no proof and i was never notified of such an account.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (GA)

I made a payment in full to clear my account balance. I received a confirmation of my payment and a statement in the mail thanking me for my payment along with the statement showing that i clearly had a 0 balance and my full available credit limit. My credit report shows my account is paid in full and has a 0 balance but i can not swipe the card to make a purchase. The funds are well processed from my bank and verified as paid per the information they have provided. I have gotten various dates for release from customer service representatives including tomorrow, or friday and I'm pretty much confirming that this isn't any verification that's needed as much as it is me paying for a product and not allowed to use it until Milestone credit card company gets ready.
Consumer complaint received 2020-07-29
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: Convergent Resources, Inc. (GA)

Thank you for your time! Humbled am I! According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract and Reporting Act section 611 ( a ) ( 1 ) ( A ) and  Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Act ( including but not limited to Section 623-b ) I asked these companies to simply show me verification of debt etc or if these items are mine. None have done so. I am asking for proof or delete the item. It has been 2 months now almost 3. I have been filing reports and giving them chance after chance to prove this yet they refuse. I mailed more letters off as late as last week. 

XX/XX/XXXX I mailed the first sent off letters. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Consumer complaint received 2022-03-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC (AL)

I have submitted a compliant with this office on XX/XX/2022 about several accounts on my credit report that are inaccurate and not mines. I have sense then checked my credit report and its states the items were verified so I reached out and asked for some information on when where and who were spoken too. I have not received a response I have an account with all three companies and each has different information. Global lending services which says a repossession and on XXXX it states open and on time I request that all unverified items be removed from my credit report immediately this has been more stressful than dealing with XXXX. Which I have been a victim of 2 times causing me to loose pay and have a XXXX and now to top it all off I have inaccurate items on my credit which is affecting me to purchase a home. I also want to complain on the CFBP for not assuring and communicating with me in response to my issues I am owed a fair and accurate credit report by FCRA code 809b and 610a.
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

For my Macy 's American Express credit card. I got a statement with a balance of {$4.00} in XXXX and I paid that amount before the due date. 
In XXXX, I got another statement with {$2.00} charges as a minimum interest charge. 

Spoke to Macy 's Credit Card customer service on XX/XX/2020 XXXXXXXX XXXX  PST Customer Service Rep Name : XXXX and asked for an explanation on why the {$2.00} minimum interest rate was charged and I was not given any valid explanation other than " a minimum interest is charged if balance is not paid in full '' I asked, " My balance was {$4.00} and I paid the full amount and why is a new minimum interest charged? '' I was not given a reply. XXXX said " I will have to file a complaint to dispute the charges '' I think there is a scam going on. Please investigate and help.
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

Paypal credit card statements are not clear to understand. It does not show the beginning balance of each statement so that I could have the ability to make corrections or check outstanding balance is accurate or not. 

I have contacted customer care and nothing was resolved. All they told me was that " that is they way they prepare statements '' and they can not do anything about it.