davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fidelity National Financial, Inc (AZ)

at the end of last year the cellar informed me that her husband had deceased and Fidelity National was holding funds for my payments to her until they could verify that she was the new recipient for this account please note that I've never been late on a payment and I tried 2 get a clear and decisive answer from this company and never could get a clear answer on what was going on with my money that I was sending 4 payments on this mortgage they cancelled my automatic payments at one time and I still couldn't get a clear answer of what was going on so for my protection I put a stop payment on their automatic payments going to them for this payment on the mortgage and sent the payment directly to the seller in the month of XX/XX/2019 and now all the sudden they show a non-sufficient fund for payments on my credit I have called them since then and the guy that I spoke to said that they would straighten it out and remove that non-sufficient funds I have also remove the stop payment from my checking account so that they can receive payments automatically again I just did that this week on my last statement from XXXX they showed that my interest that was applied to this mortgage payment last month was double of what it should been and I asked them to straighten that out to please note that they are not carrying this note for me they are not my lender the seller is carrying the note they are only supposed to be handling my funds and making sure that the seller gets the money that I pay for these mortgage payments I noticed on my credit report from XXXX that it shows that there has been something reported oh my credit that has to do with my mortgage payment a my mortgage payment should not even be acknowledged with the way it's set up through this company since the seller is the one carrying the note can you please look into this for me and straighten out this thing that has been reported to my credit that's a negative it's made my credit score go down 47 points and it's not fair to me they are the ones that was not disbursing funds to the seller as they should and I did what I thought I needed to do to make sure that the seller was getting her payments thank you very sincerely
Consumer complaint received 2019-05-04
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: NCB Management Services Inc. (VA)

XXXX XXXX account was not open XX/XX/2016 vechile not safety to drive the bracket that held back up was never report on XXXX XXXX. it was discover after in accident with a XXXX car NCB Management Service XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2019-05-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

Under the terms of my mortgage I was offered a recast which lowered my monthly payment substantially approximately {$200.00}. I filled out the paperwork that clearly detailed what the monthly payment would go to principal and interest etc. I signed the document and agree to the terms which were clearly outlined after about two months ago a letter stating that my request was approved and instead of going from a monthly payment of XXXX to XXXX They came up with some other arbitrary number of XXXX. No work close to what I agreed to. I have made over 20 phone calls at the date this problem is not resolved. I have paperwork and letters showing the agreed-upon amount. They will not let me speak to anybody directly in the servicing department they are only responding via email. I question that my escrow is even correct or any payment has been corrected so I cant seem to even service the simple transaction properly
Consumer complaint received 2019-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (AP)

Hi, Im due to purchase my first home in XXXX so Ive been monitoring my credit weekly to be sure theres no issues. On XX/XX/XXXX I accessed my credit report via credit karma and saw that an account appeared on my report named Syncb/CareCredit. I also noticed a previous address added that I never lived at XXXX XXXX XXXX XXXX XXXX Florida. The account said it was opened XX/XX/XXXX. There is no balance on the credit card but the available credit is XXXX dollars. I never received any letters, cards, or anything in the mail saying I opened a card. I never applied for a card. The account said I was added as an authorized user. I want this account removed from my credit as soon as possible. My name is XXXX XXXX and I never lived in XXXX Florida or XXXX Florida. The company address is XXXX XXXX. XXXX XXXX, XXXX Florida XXXX.
Consumer complaint received 2019-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Last XX/XX/2018, I called Transunion to alert them that the available credit on a XXXX XXXX card in my name had been raised from {$15000.00} to {$20000.00}. I did not consider this to be a dispute, but quizzically they did and in response, they removed the entire credit card account from my file, which significantly decreased my available credit with respect to my credit score, thus negatively impacting my credit. They then made me go through a bunch of unnecessary hoops and obstacles, that involved spending hours on the phone with them and XXXX. But I did everything that they asked and by XX/XX/XXXX, everything should have been straightened out. XXXX assured me that they were reporting the account to all three credit bureaus, which I believe to be true because the account shows up on my XXXX and XXXX credit reports. However, Transunion is refusing to include this account in my credit profile, and thus, it continues to negatively impact my credit score as it dramatically reduces my available credit in their score calculation. They have spuriously tried to blame XXXX for the " error '' but I believe XXXX has correctly stated that it is reporting the account to all 3 credit bureaus, as the other two credit bureaus list the account in my profile. Even more frustrating, Transunion is aware of the account and still acknowledges its existence, but since I reported the credit balance increase in XX/XX/XXXX they simply decided to remove it from my profile and refuse to re-insert it. I find this decision of theirs to be arbitrary, nonsensical and harmful to my credit profile.
Consumer complaint received 2019-05-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP (PA)

I co-signed on a Honda for someone back in XXXX of 2013 the car was stolen I was aware that it had been stolen but it had full coverage with XXXX and the dealer also would not let the car leave the dealer withought gap ins I reciently became aware of this because I tryed to buy a car and I have a debt through American Honda financial services I called and they told me that XXXX only payed XXXX towards the car an I was responsible for the remaining balance so I called gap and they said that they reversed the gap insurance because Honda never sent them the police report nor paperwork they needed o feel that one they should have called me if Im the co signed and 2 the car had the proper insurance and the proper gap yet they reported it to my credit report as a repo I dont understamd what to do now
Consumer complaint received 2019-05-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (CA)

I never sign a contract with this company I need a legal document that I sign with this collectors. I stated to send me a copy of a contract that I sign and they get mad and use verbal abuse. By law I need them to send me a contract that I sign with this collection company. If they cant provie me with the contract I expect tonremoven feon my credit by law and my right as a consumer.
Consumer complaint received 2019-05-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NC)

I scheduled two payments online to pay {$250.00} each for my XXXX credit card. One was scheduled XX/XX/XXXX and one XX/XX/XXXX. Before these dates the credit card was discharged and my online access was revoked. I called XXXX credit services and was told that the payments would need to be resubmitted. That they were no longer on the account. I resubmitted the one payment for XX/XX/XXXX over the phone. As of XX/XX/XXXX I have now been charged {$250.00} 3 times. I was lied to regarding the scheduled online payments. They were still withdrawn from my account, as well as the one phone payment. I believe their actions to be intentional to receive more money.
Consumer complaint received 2019-05-04
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 items do not belong to me and I'm asking that they be removed from my credit report, or the major credit reporting agencies produce certified physical documentation to show just cause, or as stated within the FCRA laws these accounts shall and will be removed. ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX/XXXX  {$13.00}, {$7300.00} {$4300.00} {$3600.00}
Consumer complaint received 2019-05-04
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 items do not belong to me and I'm asking that they be removed from my credit report, or the major credit reporting agencies produce certified physical documentation to show just cause, or as stated within the FCRA laws these accounts shall and will be removed. ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX/XXXX {$13.00}, {$7300.00} {$4300.00} {$3600.00}
Consumer complaint received 2019-05-04
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. (MO)

The 3 major credit bureaus are still reporting these unauthorized disputed accounts due to identity theft. I'm demanding that these reporting agencies provide a Method of Verification of their investigation or as stated within the FCRA laws these accounts shall be blocked immediately. 

1 ) XXXX XXXX XXXX {$240.00} 2 ) XXXX XXXX XXXX {$3600.00} 3 ) XXXX XXXX XXXX XXXX   4 ) XXXX XXXX 5 ) XXXX/XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX XXXX 8 ) XXXX XXXX {$240.00} 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX   {$150.00}
Consumer complaint received 2019-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to TransUnion and asked to verify information I believed to be inaccurate on my credit file because 609 of the Fair credit Reporting Act says that before a credit bureau can place something on your credit file, they are required to physically verify sign documents, so I ask them to verify with prof of my original docs. But they just sent letter saying they verified.
Consumer complaint received 2019-05-04
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. (MO)

The 3 major credit bureaus are still reporting these unauthorized disputed accounts due to identity theft. I'm demanding that these reporting agencies provide a Method of Verification of their investigation or as stated within the FCRA laws these accounts shall be blocked immediately. 

1 ) XXXX XXXX XXXX {$240.00} 2 ) XXXX  XXXX  XXXX  {$3600.00} 3 ) XXXX XXXX XXXX  XXXX 4 ) XXXX XXXX 5 )  XXXX/XXXX  XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX  XXXX 8 ) XXXX XXXX {$240.00} 9 ) XXXX XXXX XXXX XXXX   10 ) XXXX XXXX {$150.00}
Consumer complaint received 2019-05-04
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. (TN)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income. rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report. I have reached out to the FTC and my local police. Im doing this on my own behalf. XXXX XXXX XXXX, XXXX. XXXX XXXX  XXXX, XXXX. XXXX XXXX XXXX. 
XXXX/XXXX.
Consumer complaint received 2019-05-04
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. (TN)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income. rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report. I have reached out to the FTC and my local police. Im doing this on my own behalf. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. 
XXXX/XXXX.
Consumer complaint received 2018-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

I have direct loan payments set up on my account and it has been working for the last three years without an issue. I am currently attending a XXXX XXXX and I I elected to continue paying my loans despite being in school. However, after a few months of being in school, my monthly direct deposit was no longer being processed. I received no notification of this and my interest then increased significantly on my direct unsubsidized XXXX XXXX Now I am being forced to pay off the accrued interest, not the principal balance due to their error. 

On XX/XX/2018 I wrote to them about this issue and I have yet to receive an answer from them.
Consumer complaint received 2019-05-04
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hi My name Is XXXX XXXX born XX/XX/XXXX, currently living in XXXX XXXX XXXX XXXX, ny XXXX. I have a checking and savings account in Bank of America. I deposited a check from XXXX ( XXXX XXXX ) to my checking accounts more thank a week ago and for some reason the funds are not available. I also have other issues such as the institution asking for Social security number and denying services if I deny to provide it. I tried to solve this issue with them but they deny so. Please help me I need this funds to fix my vehicle. Thank you.
Consumer complaint received 2019-05-04
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (OR)

I disagree with the dispute results. I made all my payments on time in XX/XX/2019. I requested a forbearance that was inaccurately inputted by a XXXX XXXX representative. I repeatedly tried to fix the problem, including making additional forbearance requests and calling. A delay in my IDR recertification application caused a large payment to be due and paid. This caused financial hardship for me and it was refunded. Forbearance should have been applied, however, a representative made a mistake and they became very confused about what was happening with my account. I never made a late payment. 
When I finally was able to talk to someone who thought to look at the problem differently, they were able to find the problem that was made by the employee when entering the request I made over the phone. They caught their error, approved the request for forbearance, and then marked my account as paid ahead due to my making my agreed upon IDR ACH direct deposit payments during the time the forbearance had been retroactively applied. 
I disputed with the company and all 3 bureaus. My payments were never late.
Consumer complaint received 2019-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

Apparently I have a bill of {$10.00} that I have not paid on time on my JC penny credit card. I have not received any paper bill or even a letter from them that I have an overdue bill. It was I think theXX/XX/XXXX or XX/XX/2019 statement. I'm enrolled in both electronic and paper bills but never got a paper statement.I have not access my email address that was in the account. I called them to see if they can do anything about that delinquent account that was showing on my credit report from JC Penney store but they said they can't do anything about it anymore. I have already paid the amount immediately after I found out that I have an outstanding balance and that was before I found that they have submitted a delinquent account. I was so disappointed that for just {$10.00} this greatly affects my credit score.
Consumer complaint received 2019-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CAPITOL ONE refused to provide information concerning identity theft credit fraud ignoring fact act disclosure laws. i provided police reports, notrized ftc reports proof of id letters from XXXX snd a copy of fact act law disclosure and letter requesting specific infotmation. i wrote and called i was given false addresses put on hold for two hours, i tried for three months i have had no response. 
capitol one credit card refuses to provide any information to help identify the fraud and the identity theft.
Consumer complaint received 2019-05-04
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XX/XX/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 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 2019-05-04
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-05-04
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. (CA)

On XX/XX/2019 I submitted Identity Theft doc 's to the Experian Credit Bureau, asking them to block info of my credit file. They then sent a letter saying that the files on my credit report were verified. According to 609 of the fair credit reporting act. it says that before a credit bureau can report anything on your credit file, they need to have the original docs to verify.
Consumer complaint received 2023-01-30
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 have multiple inquiries, incorrect name spellings, addresses, employers on my credit report. I have been sending letter after letter for over XXXX year with no help or progress. Recently XXXX responded to me and stated that no company needs permission to run my credit. Please help
Consumer complaint received 2019-10-03
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. (FL)

XXXX ; Experian and XXXX are reporting incorrectly a collection/charge off in the amount of {$2600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full years ago and should not be reporting on my credit report. This incorrect reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-10-03
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  ; XXXX and Transunion are reporting incorrectly a collection/charge off in the amount of {$2600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full years ago and should not be reporting on my credit report. This incorrect reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.