davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 41 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-10-01
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OR)

I have attempted to contact Experian at least 20 times by phone only to be hung up on every time. 
I have also send a letter to Experian on XX/XX/2019 with a 'certified mail receipt ' which was also rejected on XX/XX/2019 stating it has been returned. 
All my communication efforts with Experian have been rejected and I want to know why. 
They notified me today, XX/XX/2019, that My credit score has been reduced by 20 points because of a {$9400.00} balance on my XXXX XXXX XXXX credit card that carries a {$33000.00} credit limit. This card as well as any others I utilize is PAID OFF, IN FULL every month and I have NEVER been late or paid ANY INTEREST charges because of my payments IN FULL EVERY CYCLE. 
This coupled with their total disregard of my communications is beyond rude and should be illegal as they negatively affect my credit rating.
Consumer complaint received 2019-10-01
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. (GA)

XXXX XXXX has recorded that i still owe XXXX XXXX a truck loan {$5700.00}. i have written confirmation from transunion and XXXX XXXX that it is now a XXXX  balance. i contacted XXXX XXXX in writing in XXXX with all of my documents and i have not been able to get an answer and it is still there on the report. Says that it was last reported on XX/XX/2019 and i paid it off XX/XX/2019 so that's not right either. I had hoped the loan would show paid on XXXX XXXX website by the end of the month, but it is still there. Both XXXX XXXX and transunion state they have reported the account is paid off and in good standing and the problem is with XXXX XXXX. any help with this would be appreciated. thank you
Consumer complaint received 2019-10-01
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. (GA)

I recently check my credit report and realized out of all 3 major credit bureau experian has so many inaccurate information about my personal info and my credit info also they are using an outdated method of credit reporting
Consumer complaint received 2019-05-02
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: Experian Information Solutions Inc. (IN)

My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 

XXXX XXXX 1. XXXX 2. XXXX
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Cash Express, LLC (TN)

Cash Express withdrew {$1400.00} after my direct deposit had gone through on XX/XX/2019. I called the District Manager,  XXXX who said that there was an overpayment on XX/XX/2019. I told her I was not aware and I called the company and tried to setup an arrangement but they would not give me the {$1400.00} back. I didn't ask for the {$1400.00} to be deposited in error. I couldn't get a refund from XXXX XXXX XXXX or any of the other creditors that took the {$1400.00} when it was applied. I didn't give permission for any money to be taken from my pay card account. There were no calls stating the money was deposited in error or that there was anything owed to Cash Express. There were no letters sent fromXX/XX/2019-XX/XX/2019 to the address on record.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Equifax is the only credit bureau reporting an unverified account on my credit report. My information was compromised in the Equifax data breach, and I have provided my data breach claim ID. XXXX and XXXX have since removed this account, so I am baffled that Equifax is continuing to report this account that list me as an authorized user. Furthermore, the debt is uncollectible because the statute of limitations in Texas is 4 years. This account states that it was opened in 2016. I am requesting that the following account is removed from my credit report : XXXX, XXXX. XXXX
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Onity Group Inc. (TX)

I am writing to dispute the response from the creditor Ocwen Loan Servicing, LLC. 

First of, this is a joint account that is being reported as an individual account- and this is my issue, Ocwen continued to report delinquencies on my account even after I attempted so many times to obtain information on the account to bring it to good standing. Their reason was I was not privileged to that information because the CO BORROWER on the account was in a BK yet they continued to individually report derogatory information on my credit. 

Additionally, even when I blindly made the payments, they always had the past due amounts inaccurate. For example : in their recent response they reported i was 3 months behind for the last 4 months of XXXX, XXXX, XXXX and XXXX of XXXX ; In XXXX of XXXX i did make 3 payments as reported to bring the account current but they still reported that we were 3 months behind in the month of XX/XX/XXXX, i would get inconsistent information and no help to clarify the outstanding balances provided from Ocwen. When I contacted Ocwen on XX/XX/XXXX regarding their recent response their agent told me it is because I was still 3 months behind yet that is not what they reported in the previous months. Many a time the statements mailed out did not reflect the correct outstanding balances and it was hard to confirm the correct amount because of lack of correct information or willingness to provide me with the account information. 

I do not agree with such business practices that is why am reaching out. I tried reaching Ocwen Research department fax # XXXX and I did not get any response from them. 

I appreciate your attention in this matter.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WI)

I have auto pay. The charge card company pulled my payment, it posted to my charge card, and then the charge card company pulled it back out, but did not put it back to my checking either. My payment is lost and in 6 weeks of contacting them, nothing has been done. I owe the full amount again. Sams Club Credit just does not seem to care.
Consumer complaint received 2019-09-24
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-09-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (TX)

Citi bank unlocked my account after I filed previous complain # XXXX, however I never receive a new debit card as they promised. For safety concern, I began to use the money in account by check. And I noticed they charged me service fee from XX/XX/XXXX for $ XXXX ( total {$36.00} ).  Since I don't have the debit card, I can't do anything to the account by myself. Then, I called the customer service to help me close account at around XX/XX/XXXX. They agreed to waive the other {$12.00} service fee on my account to close the account at that time. But when I called to confirm today, they told me I have to login in to my online account to verify some information before close the account. And there is a - {$34.00} balance on my account. I wonder how I can log in to my account, if you fail to mail me my debit card.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (CA)

I took out XXXX XXXX worth of school loans. In XXXX, someone consolidated my loans, under my name consolidated my loans- my origional loans were through AES- Origional Consolidation Amount- XXXX   XXXX in XXXX XXXX XXXX defaulted to Penn Higher Education- {$57000.00} defaulted when i lost my life savings to an apartment fire and the death of my father, I also have severe psychological problems. 

Starting in XXXX XXXX- to qualify on loan rehabilitation - I maintained payments for 10 months.I completed the rehabilitation program but thought I was paying my origional loan provider ... the loan is now {$70000.00} out of default- -I Fell into delinquency the 2nd timeI called and called, yet they wouldn't service me. They told me I had to talk to the collection agency -XXXXt- that company haraased me and harrassed my family ... no one would return my calls or emails for 24 months during the collection process -- - The collection company - XXXX  now has my school loan at $ XXXX 6.6 % $ XXXX principle Its now at - {$100000.00} with % 20 interest fee- PHEAA now calls me on a daily basis wanting me to consolidate again with a government agency - I am not working, the past 4 companies i worked for went bankrupt- I can not own a home, i have been renting in CA for the past 9 years. My credit is XXXX because of this charge- I get no where accept threats from PHEAA and their past credit recovery system. I have a XXXX XXXX and can not find work right now. I understand on owing my origional loan at $ XXXX how can this be legal that I would now have to pay an extra $ XXXX - I can not afford this, i am scared for my life and my well being. My family and I have been homeless, transient and barley making it - i requested my origional loan signatures and no one can send me anything- they keep making up stories and directing me to another person over and over again. I didnt know what i was getting myself into because i am mentally ill and have told them countless times..i need help. I need someone to save me and my family from this. the burden is just to great for me to handle,
Consumer complaint received 2019-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (OH)

The amount received on the letter for account XXXX shows {$690.00}. However upon logging onto the website as instructed on the letter the balance in full of XXXX was the only balance reported under any account or option under my name. This was paid in full and the collections agency now claims I owe more money under this account number and states only a partial amount was paid. This is an error from the collections agency and should no longer pursue debt in my name. See attached proof.
Consumer complaint received 2019-09-24
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. (GA)

I tried to get a personaI loan from my bank that I've banked with for over 10 years and I was denied. When I asked why. they said my credit was too poor. I was confused because I pay my bills on time and don't owe a lot of people. When they showed me my credit I was shocked to see things on there that wasn't mine. I got a police report made and I reached out to the FTC. The items on my credit are : XXXX XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (DE)

Hello, I recently took out a new TD Cash card. My new account number ends in -XXXX. I have another TD Cash card that was closed due to inactivity ; that card ends in -XXXX. 

I activated my new card today -XXXX. When I logged into my online account, my old closed card -XXXX appears instead of my new one. 

I called customer service to get my new card -XXXX added to my online account. My username is XXXX. They advised that I would need to create a whole new account for my new card, which I don't think is right.
Consumer complaint received 2018-05-25
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: CORELOGIC INC (GA)

XX/XX/2018 I sent a certified letter to the Company and have not received a response or explaination of why there is an unauthorized credit inquiry on my report. I explained and that I have no knowledge or would like them to send verifiable proof that indeed this was a made by me. I HAVE NOT RECEIVED A RESPONSE
Consumer complaint received 2019-09-24
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. (GA)

I tried to get a personaI loan from my bank that I've banked with for over 10 years and I was denied. When I asked why. they said my credit was too poor. I was confused because I pay my bills on time and don't owe a lot of people. When they showed me my credit I was shocked to see things on there that wasn't mine. I got a police report made and I reached out to the FTC. The items on my credit are : XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX.
Consumer complaint received 2019-09-24
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)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 ) plus days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This property was sold well over a year ago. I no longer own the property and this is not an active account and should not be showing up on my credit report. This incorrect reporting of lates on an inactive account is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX and Transunion are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2019-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On Friday ( XX/XX/2019 ) I was sent a {$36.00} XXXX payment from my partner, and made sure my funds were available in USAA. I submitted my XXXX XXXX credit card payment for {$36.00} about 20 minutes later. Everything was fine - Everything showed {$0.00} in my account, sounds good right? 

Wrong, I had pending transactions that were taken out out of order to ensure that I incurred fees. These have not posted in order, and this payment was submitted 5  days ago. I've now incurred late fees from USAA and XXXX XXXX. 

USAA has been increasingly showing similar banking traits as XXXX XXXX - weird processing times for payments, significantly out of order, they seem to be in an order to cause me fees on purpose. 

I am fighting this because I had insufficient balance for a payment before. I made absolutely positive that I had the available funds before submitting this second payment. 

I've attached a screenshot, and you can see how USAA decided to post these transactions to let me know if it's weird. They appear to have taken out all of my payments before deciding to process incoming money from days beforehand.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am unable to call and speak with any of the three Credit Reporting Companies also known as Trans Union, XXXX  and XXXX. 

I want my current Consumer Statement removed from all of my Credit Report. I do not want any Consumer Statement on my Credit Report. 

I want the phone numbers to Trans Union, XXXX  and XXXX so that I and other Citizens can call them directly to speak to them when I/ We discover a problem with my/ our Credit Report.
Consumer complaint received 2019-09-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MA)

I have made numerous requests to my mortgage company over the last year to send me ( on paper and signed ) the amount of money I need to send them in order to pay off my PMI..Not only have I never received this but I was told last week that they do not have to send me it in writing or email.I have also been told that no one at this company is really familiar with how to do this- paying off PMI 'S. This is a simple request -I am at a dead end after speaking to the Supervisor last week -XX/XX/XXXX- Her name is XXXX XXXXThank you !!
Consumer complaint received 2019-09-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP (CA)

This account was opened XX/XX/2014. It was supposed to be handled through the V.A help advocates that helps prevent veterans from becoming homeless. But they did not get the payments in on time causing me to be evicted, becoming homeless and get stuck paying this bill. And it is now on my credit reports.
Consumer complaint received 2019-09-24
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. (GA)

I tried to get a personaI loan from my bank that I've banked with for over 10 years and I was denied. When I asked why. they said my credit was too poor. I was confused because I pay my bills on time and don't owe a lot of people. When they showed me my credit I was shocked to see things on there that wasn't mine. I got a police report made and I reached out to the FTC. The items on my credit are : XXXX XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX.