davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-12
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. (NV)

I made my payment on my credit card to XXXX aka the XXXX XXXX XXXX, and it was purposely held until after they reported it to the credit bureaus, dropping my credit score. I made the payment on the XX/XX/XXXX and the held it until after they reported to the credit bureaus.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-02-06
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. (PA)

Good morning, I've having an extremely difficult time with XXXX XXXX bank still reporting late payments on my credit profile well over XXXX XXXX XXXX. I've tried to point this issue out to them that these late payments should've already been removed. 

I was informed that the late payments would fall off automatically and today when I checked my updated accurate credit report, it still shows the late payment that were supposed to had been removed off of my credit report.

Their stagnation and unwillingness to report accurate information on my credit report is significantly impacting my credit score. I can not obtain new lines of credit because of this ongoing issue. Please assist in anyway possible. Thank you in advance
Consumer complaint received 2021-05-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (NJ)

XX/XX/2021Balance : {$7700.00} Discounted amount : {$1100.00} Payment due by : XXXX Account # XXXX Company claims I will be getting sued. This isnt even on my credit report. Ive disputed this off of my credit report and it came off years ago.
Consumer complaint received 2019-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

Sequim Asset Solutions calls me multiple times a week ( using a different number each time so that I am unable to block ) with the exact same recorded message ( a robot call I believe - which does not contain my name nor his ). The message states that he is attempting to collect a debt which does not belong to me. I have no debts. I believe this to be harassing and the constant phone calls interfere with both my personal and professional life. These annoying automated calls should be illegal. I am currently seeking actions so that these calls stop ASAP. Please contact them and urge them to stop using these harassing methods.
Consumer complaint received 2022-02-06
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. (PA)

Good morning, I've having an extremely difficult time with XXXX  XXXX bank still reporting late payments on my credit profile well over 2 years old. I've tried to point this issue out to them that these late payments should've already been removed.

I was informed that the late payments would fall off automatically and today when I checked my updated accurate credit report, it still shows the late payment that were supposed to had been removed off of my credit report.

Their stagnation and unwillingness to report accurate information on my credit report is significantly impacting my credit score. I can not obtain new lines of credit because of this ongoing issue. Please assist in anyway possible. Thank you in advance
Consumer complaint received 2018-05-01
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: EQUIFAX, INC. (TX)

I filed a dispute with Equifax on XX/XX/XXXX regarding student loan company XXXX/XXXX falsely reporting payments being made to them. The last payment made to XXXX/XXXX was in XX/XX/XXXX as documented on their website ( see attached ) however they reported to Equifax that I made payments every month from XX/XX/XXXX- XX/XX/XXXX ( see attached ) ** note in the complaint I submitted to your agency ( XXXX ) against XXXX and the same student loan company they only reported me having made 4 payments in the same time frame so they are reporting different information to different credit bureaus** I believe they are doing this in an attempt to keep it on my credit report longer. Given that the last payment was made to them in XX/XX/XXXX that would make the date of first delinquency XX/XX/XXXX NOT XX/XX/XXXX as they are reporting which means we are now at the 7 year statute of limitations and this should be removed from my credit report. Equifax has failed to update/remove inaccurate information from my credit report. Furthermore, Equifax has allowed this loan to be reported a second time on my credit report under XXXX with the same account number ( see attached )
Consumer complaint received 2018-08-12
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. (GA)

XXXX AND EXPERIAN BOTH RAISED THE BALANCE ON MY XXXX XXXX AUTO LOAN BY {$2.00} THEN XXXX  PUT A REMARK ON MY CREDIT REPORT FOR THE LOAN STATING FIXED RATE. SO NOW MY XXXX XXXX AUTO LOAN HAS A BALANCE OF {$26000.00}. AND THEY DID AN UPDATE WITH REPTTING WHAT XXXX XXXX SENT THEM. THEY PURPOSELY DID THIS UNLAWFUL LY I AM SENDING MY BILL STATEMENT WITH THIS COMPLAINT FOR THE MONTH OF XXXX WHICH SHOULD BE RY HE CORRECT BALANCE FOR THE XXXX REPORTING DATE. It's a woman by the name of XXXX XXXX at EXPERIAN that is the main person messing up my credit report purposely having her colleagues put in the wrong information and red flag my file. She is abusing her position and authority by doing this.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX on XX/XX/2020 I pulled my credit from XXXX. numerous accounts were open without my knowledge nor consent. ( Details of these account will be found in my dispute letter ) These accounts were open after someone who broke into my car & stole my personnel info, causing me to be a victim of Identity Theft. Please remove these fraudulent accounts from my credit report as they do not belong to me.
Consumer complaint received 2019-04-28
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: Specialized Loan Servicing Holdings LLC (FL)

I had a frozen bank account and my mortgage payment for XXXX was paid late in early XXXX. My credit report after 3 requests and disputes shows XXXX still missed. XXXX XXXX and XXXX are paid. I have no arrears yet it now shows 2 late payments or missed. This has destroyed my credit and dropped me nearly 200 points. It has caused banks to reduce my facility on all cards and this should not be allowed especially after disputing the information provided to XXXX and XXXX. I am current and have no missed payments on my mortgage account with SLS. I attach my payment record and a current statement from SLS to show no arrears and next payment due XX/XX/XXXX.
Consumer complaint received 2018-05-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (MD)

I have been a first time home buyer since XX/XX/XXXX my initial mortgage was through XXXX It was sold soon after to Caliber home loan. I made consistent payments to for the loan since I've had my property. I started a refinance process Caliber back in XX/XX/XXXX I was alarmed because the initial loan officer XXXX XXXX submitted than drop my application and re ran my credit giving me two inquires. I allowed some time from now until then to pass and consider the option again after Caliber alerting me that I still qualified for refinance, wanting to pay some debt down with the equity in my home I started working with a new loan officer XXXX XXXX she started the application process for me again reassuring me that all would be taking care of and moving expediently fast to me making a payment for the appraisal of {$99.00} dollars because they had a prior approval for my refinance to now no contact of any sort and a letter of withdrawal that I never made to the company. this recent application has dragged my credit score down drastically and has left me with no communication for anyone on Calibers end. its very unfortunate that this company is allowed to treat there customers in this manner when we are making payments and effected personal by credit reports
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX of 2024 I contacted all three credit bureaus regarding inaccurate information that was reflecting on my credit report from my car insurance company. I provided all three bureaus with payment receipts showing that my policy was paid on time during my contract. 

After speaking to superviors from XXXX and XXXX the account for XXXX XXXX XXXX was removed. However, after speaking to a superviosr from TransUnion who assured me that the account who be removed, it has yet to be removed. As I am in the underwriting process this is causing a tremendous roadblock in my homebuying process. 

To date, I have not received a reply from TransUnion and this account is still currently negatively impacting my score. I have made several attempts to rectify this issue with TransUnion and have yet to receive a response within a resonable amount of time.
Consumer complaint received 2022-02-06
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Good morning, I've having an extremely difficult time with capital one bank still reporting late payments on my credit profile well over 2 years old. I've tried to point this issue out to them that these late payments should've already been removed. 

I was informed that the late payments would fall off automatically and today when I checked my updated accurate credit report, it still shows the late payment that were supposed to had been removed off of my credit report. 

Their stagnation and unwillingness to report accurate information on my credit report is significantly impacting my credit score. I can not obtain new lines of credit because of this ongoing issue. Please assist in anyway possible. Thank you in advance
Consumer complaint received 2018-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was applying with Bank of America as a co-signer for my college daughter. I have a credit score of over 800 and have never been denied, but they denied us. I asked for the supervisor and got XXXX XXXX. In visiting with XXXX, it came to light that the application was not filled out correctly, as they did not ask for my liquid assets. I have reason to believe this might not be the only mistake in the application. I have net income over XXXX and liquid assets of over 1.5 million. 
The denial due to an inaccurate application, that they would not fix will damage my daughters credit score.
Consumer complaint received 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was trying to figure out how these address on my credit that are not mine. 
I live at XXXX XXXX XXXX, XXXX, OH XXXX this is my only address. please delete all others. my employer is XXXX XXXX. Please remove any other employers. 
my DOB is XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2022-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (MS)

I was a victim of Identity Theft and have filed reports. XXXX XXXX and XXXX XXXX threatened to kidnap my XXXX child and forced me to give them my credit card information, logins, etc. I filed FTC report and Police Report. XXXX, XXXX, and XXXX XXXX wrote off the debt but discover has charged it off to me and sent me a 1099 C for cancelled debt. Discover wrote off $ XXXX in debit and over $ XXXX in interest. I sent discover letters in XXXX and XX/XX/2019 that this is identity theft and they continue. I should not have the tax burden of protected charges under identity theft.
Consumer complaint received 2022-03-09
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. (FL)

I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

On XXXX XXXX I made a minimum payment of XXXX. My balance left owed was XXXX. I paid again on XXXX XXXX for XXXX. This credit is not showing and I was charged XXXX. Then you received the first collection call today XXXX XXXX. To inform me that I had incurred another late fee of XXXX. I have paid it in its entirety and requested the account closed. I did not make a payment this month because the one I made the end of XXXX should have paid the balance in full. And the late fees compounding and no notice at all until today.I have also been locked out now from all accounts to do with XXXX that is the card I am referring to.
Consumer complaint received 2018-05-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (WA)

This is my 4th complaint about Chase during the short sale process. After giving my agent the NET proceeds needed to receive the approval, my agent forwarded documentation showing them their net, and then Chase responded that they would only issue an approval with NO COMMISSION to either agent! They said it's because the agents all work at the same company, they have over 1,000 agents! My agent has called and been treated badly by Chase and is due the commission. Please contact Chase and make them step up, her package gives them their net while still getting the commission. Thank you.
Consumer complaint received 2018-08-11
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: ALLY FINANCIAL INC. (IL)

In XXXX my Ex had his car repo 'd in XXXX, that MONTH, I paid off the loan etc to get rid of issue. I went back to Ally and XXXX to report that this matter was STILL on my report in XXXX which I created a dispute. Ally turned around and claimed it was repo 'd in XXXX!???? I called them again pleading my case with NO LUCK. FIVE years later, I called XXXX asking them to dispute this on my credit and they told me they couldn't help me since already disputed??? Five years ago?? Today, I spoke to XXXX and they referred me to your website for help. XXXX agreed that after 10 years this should be removed. Can you PLEASE, PLEASE help me?
Consumer complaint received 2018-08-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

In XXXX, I contacted the collections agency to find out if I could settle on a debt. The representative told me that if I pay {$170.00} out of the {$270.00}, the debt would be considered paid in full, settled and the credit bureaus would be updated of the new status. However, after checking my credit report, I see there is still {$76.00} on the credit file at the bureaus. Apparently, the collections agency only reported that I paid {$170.00}. The agency never followed up with doing what I was told would happen and that would be to report to the credit bureaus that the debt is paid in full. Additionally, the representative at the collections agency said that the only option to pay was by giving my bank routing and account numbers and that paying with a debit card is not an option. I truly believe that this was intentional, because they knew disputing the bank, after finding out I was deceived would be hard. Whereas, if I paid by debit, this transaction would be disputable to the bank, when I found out the agency would/did not report to the bureaus that the debt is paid off. Even more, the representative told me that I would receive correspondence by mail that outlines that after paying the {$170.00} that the debt would be settled and paid off fully. However, I never received anything in the mail.
Consumer complaint received 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

Originally, XXXX XXXX placed a collections account on my credit report in the amount of {$780.00} that I have no recollection of and that I believe is not mine. I have a current credit card with capital XXXX and it is in good standing. I asked XXXX XXXX to validate the debt and just as it reached its 60 day mark to validate, XXXX XXXX sold the debt to XXXX XXXX XXXX and now they own the debt and placed it back on my credit report. I have sent numerous letters asking them to validate the debt and have received no response. I have also sent letter to the credit bureaus and they report that XXXX XXXX have electronically validated the debt but they can not send that information to me. I believe this is not mine and I have a right as a consumer for any debts placed on my credit report to be validated with documentation that is not a bill. This type of reporting is illegal and violates my rights!
Consumer complaint received 2022-07-25
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: Fidelity National Information Services, Inc. (FNIS) (AZ)

As a consumer I have requested on numerous occasions my consumer report from the following consumer reporting agencies Chex Systems and XXXX XXXX XXXX due to a recent denial in achieving a new bank account. 

I attached the error messages and letters that I continue to keep receiving from these companies without the actual report and I am request my consumer report be emailed immediately so that I confirm if all the information is accurately being reported. 

Chex systems Consumer ID XXXX XXXX XXXX XXXX ID XXXX
Consumer complaint received 2018-08-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY (CT)

I am XXXX XXXX XXXX, XXXX XXXX and owner of XXXX XXXX XXXX. TD Bank has been calling my business more than once per day seeking a debtor. I called TD bank on Friday XX/XX/18 and requested that they stop calling my office. I gave them the name of the person they were calling about. I told them I would report them to authorities if they called even one more time. Today ( XX/XX/18 ) at XXXX, they called again. The calls are coming from XXXX. Today the agent 's name was XXXX and she was agent # XXXX. I did not get the name of the agent I called yesterday.
Consumer complaint received 2019-01-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

I have been asking for years for help with my loans as my income changed when I divorced and trying to raise XXXX kids. I was told there was not much they could do and that there was not programs to help lower my payments so of course I used up my forbearances and deferments which of course gives them ways to capitalize interest on me. My loans total has easily doubled or tripled and owe as much as a house for my Associates and Bachelors. The call centers would not release or offer any low income programs, I even tried got help from XXXX XXXX and they got me into a income based program charging me money to help me and then disappeared which caused me to be late to re-certify which caused me to loose time on the pslf due to lapse in my certification with income based programs. I called the Dept. of Ed and that is when I learned that those programs have always been available and other ones as well but none were ever offered to me in the last 10 years. I look at my total due that I owe and it is very depressing to know I owe so much money and was swindled into thinking there was not programs or help out there and I owe fees and high balances due to their scams to make money off a person trying to better themselves. I started PSLF program back in XXXX and I was told after 5 years I would be able to have some of them removed and forgiven all of them would be forgiven. I received a letter that I am not eligible till XXXX. More scams I guess I have no belief that they are trying to help people at all just to scam people, and fool people into the programs and then throw loops to make it never happen.