davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-01
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. (FL)

The companies investigation did not fix error 's. 

I am very upset that the credit reporting agencies have included the below inaccurate credit information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently credit which was very stressful for me. 




XXXX XXXX XXXX : Account # XXXX Closed Account Incorrectly Reporting Terms Closed Account Incorrectly Reporting Installment
Consumer complaint received 2023-06-23
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. (TX)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

On XX/XX/2018 I sent a dispute to XXXX concerning my credit report. The dispute was : 1 ) The personal information reported by this creditor/Debt collector is incorrect.

2 ) The amount allegedly owed of a debt appearing on my credit score is fraudulently incorrect and reported incorrectly.

3 ) My lease was month to month and I had no balance when I moved. This is a retaliation tool used by this debt collector and landlords, to scare renters and block the ability for future rental. This fraudulent amount reports on my credit score for seven years blocking my ability for housing. 

On XX/XX/2018, I called XXXX as I had not been informed of any result of my dispute. XXXX attempted numerous times to get me to say my name was different. XXXX then informed me that they had made a decision to leave the information on my credit score on XX/XX/2018. I asked XXXX if they were going to inform me of their decision. The reply was, " we sent you an email. '' As I had not received any email or letter in the mail, I asked what Government agency I needed to contact for a review of their practices. XXXX informed me, " Consumer Reporting Agency. '' This information was incorrect. I called my local credit union and they assisted me in contacting Consumer Finance. 

I later discovered XXXX give the debt collection company any new information concerning me.
Consumer complaint received 2019-01-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Collection Services, Inc. (FL)

This alleged debt with XXXX XXXX Medical Center is being reported to all three collection bureaus in the amount of {$300.00} for a XXXX in 2015. This {$300.00} was paid to XXXX XXXX prior to my XXXX. It was later refunded to me by XXXX XXXX as I had met my yearly out of pocket deductible for 2015. Therefore, I do not owe this debt. Please check with XXXX XXXX for accurate information.
Consumer complaint received 2021-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

My mortgage with Rushmore loans is XXXX per month. I have been on time. prior the loan was with XXXX, and I was always on time. I logged in XX/XX/21 to make my payment, and my payment was increased to XXXX no phone call, nothing in writing at all about the increase. I called on XX/XX/21, spoke with XXXX, he said escrow was XXXX, and now they included it stretched over a year. I asked for detailed escrow info and he said they have to mail it. He said he would call me Friday, XXXX and perhaps they can stretch escrow over 72 months or longer. I didn't hear from him on XXXX, I called again- I spoke to XXXX , and said it should be fixed that night. I just checked, payment hasn't changed. no phone call. I bring home XXXX every 2 weeks ; I can't afford XXXX per month and still pay other bills. Is there any help I can get? 
thank you
Consumer complaint received 2022-02-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (CA)

On XXXX XXXX I was in a horrible accident and my car was completely totaled. Since then my car insurance paid off their portion of the amount. Also working with XXXX insurance to pay the amount of the car off. Since than credit acceptance has continued to charge me the full monthly payment of XXXX $ for the past year. This includes hurting my credit score for over a year charging me for a car and a loan that should have been closed last year. I now have over a {$14000.00} balance. Ive tried to reach out to the company and have filed multiple complaints and havent heard back and I still continue to get charged.
Consumer complaint received 2019-01-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (MD)

I am contacting because of the difficulty in paying off the auto balance. 

I initially fell behind on payments ever since I moved to my new address. This was my responsibility and my fault here for not following up. 

In XXXX, I called the Wells Fargo Dealer Service multiple times in an attempt to pay off the debt. A settlement bill was scheduled to be sent a total of three times. The first did not arrive, the second arrived however it was burnt from our house fire. A third was send on the date extension XX/XX/18, with the due date XX/XX/18. The bill arrived afterwards, however an extension was not given. 
We attempted to pay at a local Wells Fargo to no avail. Email was unavailable to pay the bill. There is now a charge-off negative remark on my credit report. 

I would like to address this by paying the debt by the original {$290.00} payments on the Wells Fargo Dealer Services payment portal or get the negative remark removed from my credit report. 

Thank you.
Consumer complaint received 2023-06-14
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. (OH)

This is my fourth 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 alleged fraud or extortion. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (GA)

I was paying debt directly to the company and they sent it off to a collection agency, but meanwhile I was still paying debt and then started paying to them and collection agency.. It is paid in full but it is still showing Charge off as bad debt Profit loss write off. When I made arrangements to pay the debt and they didn't remove it yet ...
Consumer complaint received 2020-08-03
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: Avant Credit Corporation (OH)

Back in XXXX i made 2 payments to Avant. The payment on XX/XX/XXXX has their reference number of XXXX for XXXX and the payment for XX/XX/XXXX has their reference number of XXXX. They are saying i missed a payment in XXXX. At the billing cycle ending XX/XX/XXXX my balance was XXXX. I made the XXXX payment on XX/XX/XXXX with my balance showing XXXX. 

I get a statement in XXXX saying i have a XXXX balance, The XXXX statement is saying there is a payment adjustment for XXXX so i have a new balance of XXXX. I called and they said they never got a payment for XXXX again but it clearly states i did with thier reference numbers and it was taken out of my bank. 

I emailed them for the situation and again they said they never received the payment. I refuse to pay when i have statements saying my balance is XXXX
Consumer complaint received 2016-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX is reporting negative incorrect information on my XXXX credit report. They are in violation of the FCRA which requires consumer reporting agencies to maintain an accurate file of my credit information. My credit score has dropped over XXXX points because of this error. They have also misspelled my name and provided inaccurate mailing information. After disputing with XXXX , I was told it was being reported correctly
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (TN)

On XX/XX/2018. Elan Financial reported my payment as 30 days late. Payment was made within grace period. I have called and spoke with representative, also sent Goodwill letter. They refuse to remove the inaccuracy. I have never been late and has since paid account off. This is negatively affecting my credit.
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a lXXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2021-03-07
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: CITIBANK, N.A. (PA)

There was a fraudulent charge of {$160.00} to my Citi Card on XX/XX/XXXX. I had multiple issues resolving this with Citi. I resorted to finally opening a complaint, XXXX, with the Consumer Financial Protection Bureau ( CFPB ), this website. 

On XX/XX/XXXX the CFPB closed my complaint XXXX providing information that Citi would credit the account. Citi provided information on XX/XX/XXXX that Citi would credit the account for the full amount of the fraudulent charge. This would be the second time for Citi to 'credit ' the account. The account was credited once before, then reversed back to having a balance. 

The day after it was indicated a credit would be applied, XX/XX/XXXX, I received an email from Citi indicating a balance remained on the Citi account. When I checked on-line the balance is the fraudulent charge minus an {$0.00} credit and that payment is due. 

At this point in time, XX/XX/XXXX, I have both Citi and the CFPB, indicating the complaint closed and the issue is resolved. However, I have an e-mail today indicating it is not resolved, and when I check Citi online, the balance remains. I would like to think this is just a delay in the credit, but I have no tangible evidence. As Citi reversed this once before, and there is a balance showing online for the fraudulent change from XX/XX/XXXX, my assumption is the issue is not resolved and the credit has been reversed again. As such I am opening a second complaint.
Consumer complaint received 2022-02-06
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. (VA)

I am submitting a copy of Official Form 106G Schedule G : Executory Contracts and Unexpired Leases. Outlining proof that my lease with XXXX XXXX XXXX XXXX was excluded from my XXXX  XXXX bankruptcy filed on XX/XX/2021. XXXX XXXX should be reporting my payments as well as reflecting the account is indeed still opened and current.
Consumer complaint received 2019-01-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Eagle Home Mortgage, LLC (AZ)

Fri, XX/XX/XXXX, XXXX XXXX  Received " Closing disclosure '' from Eagle home Mortage where " Cash to Close '' amount was displayed as {$31000.00} XX/XX/XXXX was the title signing appointment at XXXX XXXX  at Title company office Wed, XX/XX/XXXX, XXXX XXXX Received another email from Title company manager with wire instruction and final signing statement where the " Cash to Close '' amount had been changed to {$32000.00}. 

I did check with Eagle home mortgage/Title company and Title company and below is the response I did receive. 
" difference that youre seeing between this CD ( issued XX/XX/XXXX? ) and the Final one, issued today, is the Seller credit. The seller credit on the CD issued on XX/XX/XXXX, was {$5200.00}, but this was {$880.00} too high. Per your contract, the Seller will not pay for any recurring closing costs, which is where the {$880.00} is going to. The seller credit was reduced down to {$4300.00}. The amount to close of {$32000.00} is correct, although {$880.00} higher than the CD you saw on XX/XX/XXXX. '' With XXXX XXXX  this is the response I have received You have 2 options as of now Option 1 : Go as per your schedule signing date and signed the title and pay the " Cash to close ' amount as {$32000.00} and then everything will go as planned ( wiring the funds before XX/XX/XXXX, second walk-over on XX/XX/XXXX XXXX XXXX  and key released by XXXX XXXX  on XX/XX/XXXX ) Option 2 : Send me an email that you are backing out and I will send the cancellation docs and the contract will be canceled and builder will keep the Earnest money because you are the one backing out from this contract. 

They ( Eagle Home Mortgage ) did not change the amount as per the " closing disclosure of XX/XX/XXXX '' which I and my wife had signed electronically. 

Finally, I had to reschedule my appointment for XX/XX/XXXX at XXXX XXXX  for title signing and there I was asked to sign the new " closing disclosure '' with the higher amount. ( which was sent to me on XX/XX/XXXX ) I had wired the funds on XX/XX/XXXX evening and on XX/XX/XXXX I did receive the house key.
Consumer complaint received 2020-08-03
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: JPMORGAN CHASE & CO. (NC)

On XX/XX/XXXX, I emailed the executive branch to look into an account that is not mine but they keep validating. They sent me a computer generated letter which they say was the application. It didnt have my signature on it. The address was not mine. A couple days later some account statements came in the mine. I dont know anything about these. On XX/XX/XXXX, I sent the company a debt validation letter. They sent the same information back. My problem is not only have they fail to validate the account they fail to notify the credit bureaus that the account was being disputed during the entire process violating my rights under the FCRA. FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ). 

On XX/XX/XXXX, I sent them a letter notifying of their violation but all they sent me was a stall letter wanting my signature.
Consumer complaint received 2021-03-07
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: PNC Bank N.A. (MO)

RE : PNC Bank - XX/XX/2021, I received a Statement of Credit Denial letter RE : HELOC. In a previous phone conversation, the Representative stated my request was Denied based on my XXXX  credit report.? the XX/XX/XXXX, letter clearly states XXXX  was used not XXXX. Nevertheless, I owe XXXX on my home, my home has been Appraised as high as XXXX, I have a minimum of XXXX Equity in my home and Im being tormented about 4 already paid medical bills, XXXX XXXX  Revolving charge account and my auto XXXX balance which I pay BOTH on time. Im selling my auto this month to pay balance in full. Thats {$300.00} ( payment + insurance ), I can use to keep my HELOC payments on track. Its a pandemic, my payments are current, lots of people can not make their payments but, I can. 
Please assist.
Consumer complaint received 2019-01-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

XX/XX/XXXX - Went online to Navient to pay off some loans infull. I paid off {$14000.00} worth of student loans. I received a confirmation email that my payment for the full amount was submitted. 

XX/XX/XXXX - Received an email from Navient stating only {$10000.00} has been paid off. I went online my check my bank account and the full {$14000.00} has been taken out. I contacted Navient but could not get passed the machine to human that could help me with my problem.
Consumer complaint received 2023-06-23
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete this erroneous account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 

XXXX XXXX
Consumer complaint received 2019-01-01
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. (AZ)

I currently have issue XXXX open but the creditor is refusing to delete the fraudulent HARD INQUIRY done by whomever opened the account. It has already been determined the account was opened fraudulently and that all items should be deleted per XXXX. Equifax continues to advise that the inquiry is valid and in fact it is NOT. Obviously if the account isn't mine, I didn't apply for it so all pieces need to be removed from my credit report. 

I had opened an online dispute with them, confirmation XXXX, to have this inquiry removed and they closed it in less than a week saying it was valid. This is the 5th time I have disputed this since XX/XX/2018. It needs to be resolved ASAP before legal action is taken.