davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-11
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. (FL)

Hi, I am writing to you about my account. This credit card company XXXX XXXX XXXX is furnishing you wrong and incorrect information. They continue to update information trying to keep this account active so that it will continue to be on my credit report way past 7 years. At one point this account was deleted from my credit report XXXX in the past but reappeared back. I do not know how that happened but it did. According to FCRA, this is a violation. They seem to not report the same information to each credit bureaus. That alone is a violation of the FCRA. For an instant on my XXXX report, they are reporting that my account was charge off on XX/XX/XXXX. On my Transunion report you are reporting it was charge off XX/XX/XXXX, and on XXXX report, you reported it was charge off on XX/XX/XXXX but recently it was XXXX. This is XXXX of their tactics to keep this account active pass 7 years. This account must be deleted off my credit report because of wrong and inaccurate information according to the FCRA Act. Please delete this account off my credit report and never to reappear.
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The Experian and XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX  Balance : {$5200.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2019-04-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am looking for a refund on a fraudulent credit card payment with Capital One and money for my trouble. Capital One does not seem to want to get back to me regarding the issue. 
What should I do? Please investigate the total amount I paid. I also requested XXXX. for my trouble. 

Also, XXXX won't seem to take something off my credit report.
Consumer complaint received 2019-04-08
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. (NY)

I am looking for a refund on a fraudulent credit card payment with XXXX XXXX and money for my trouble. XXXX  XXXX does not seem to want to get back to me regarding the issue. 
What should I do? Please investigate the total amount I paid. I also requested XXXX for my trouble. 

Also, XXXX won't seem to take something off my credit report.
Consumer complaint received 2019-02-11
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. (VA)

The United States Bankruptcy Court failed to report payments to the three ( 3 ) credit bureaus from the Chapter XXXX  Bankruptcy case in which there were payroll deductions made by XXXX XXXX XXXX as well as payments made prior to and after with a money order in the amount of $ 700.00+ a month.
Consumer complaint received 2019-02-11
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: Financial Data Systems (GA)

I have filed several disputes on what I believe to be inaccurate information on my XXXX  credit report. I can't get into the XXXX  dispute system because they are constantly having problems with their website. I only have one of the dispute results readily available. 
There is a derogatory remark on my credit file for XXXX XXXX XXXX XXXX from XXXX XXXX XXXX for a collection of {$70.00}. I called XXXX XXXX for a copy of a bill as I have never received one. They tell me that they can't get a copy because it has been turned over for collection and I need to call XXXX XXXX XXXX XXXX. I call XXXX XXXX XXXX XXXX  to see if they can help me figure out what this is for. I get NO HELP from them. I am not going to pay something if I can't get a copy of a bill for it. 
This was on both on XXXX  AND XXXX. I file a dispute with both. XXXX  cleared it off of my credit report.
Consumer complaint received 2019-04-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group (TX)

Dear Sir/Madam, its about reporting a collection on account of XXXX XXXX. few of documents are attached here with for your ready reference. i was resident of one of the apartment in XXXX XXXX. when i got the apartment, the price etc. was different & when they started billing me, that got changed. i was having a complaint of over charging, i talked to management & there was no resolve. on my regular follow up & arguments, Management had asked me to vacate the apartment & few days latter i got a eviction notice. i was asked to vacate that house means who brake the lease, not me but the management. i asked them to share the details of, XXXX XXXX ( Normally XXXX   Charge Trash in their Bills ) Management is charging is separate. Water Billing Trash etc. they dont have any supporting documents to support the billed amounts. its very high if you compare with other apartments. when i vacate the house, they had reported the Good Sum on my credit. i already had spoked with XXXX XXXX, no response, Recover Agency Name : The Phoenix Recovery Group XXXX XXXX XXXX if you review the attached bills, they charge it with no further details. XXXX XXXX Trash these bills must have separate supports. i was asked to vacate the house, who break the lease. its no me. Pls. help to resolve the issue & make sure management is not charging this to all residents. Best Regards,
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (WA)

I received a promotional offer of " 5 % back as a statement credit, up to {$25.00}, now through XX/XX/2019 on purchases you make with your Citi Diamond Preferred Card online. '' I made a purchase on XX/XX/2019 during the promotional period in the amount of {$570.00} and should have received a statement credit of {$25.00}. 

I waited for this credit and never received it. 

I contacted a representative of Citi on Live Chat on XX/XX/2019 and he stated I would receive the credit on my next statement. As of my XX/XX/XXXX statement, no credit has been received.
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have been disputing alleged accounts since XX/XX/ 2020 and the company has violated my consumer rights several times. I have enclosed my files and exhibits.
Consumer complaint received 2022-08-18
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: AMERISAVE MORTGAGE CORPORATION (TX)

AmeriSave Mortgage Corporation made an unauthorized hard inquiry on my credit after I explicitly told them not to. I requested a mortgage quote through an online portal with AmeriSave Mortgage Corporation, XXXX ID # XXXX. A agent contacted me to go over the information. The agent explained they needed more information then what I provided online to give a more accurate quote. I explicitly told the agent DO NOT make a hard pull/inquiry on my credit. They ensured me they would not need to make a hard inquiry until we were ready to move forward and since I was shopping around a soft inquiry would be enough to provide a quote. They also did this on my wife 's credit as well. 
I still get almost daily calls about refinancing. I have asked each time to be removed from their call list and two times I explained my situation and asked to talk to someone in who can take a formal complaint I am transferred to a department that is closed.
Consumer complaint received 2019-02-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are two unauthorized hard inquiries on my Transunion credit report. Transunion has not allowed me to dispute them online. I have had difficulty disputing over the phone. The hard inquiries that must be removed are the following : XXXX XXXX -XX/XX/2019 XXXX XXXX - XX/XX/2019
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have a situation where XXXX XXXX is reporting on my credit for a transaction that was cancelled. This transaction is now reporting on my credit and hurting me both financially and personally. I have been writing home depot for years now and they continue to report this account while in dispute and their intent is to hurt and damage my credit reputation. 
At this point I am in correspondence with an FCRA to look at how the bureaus handled this investigation and he will investigate home depot 's process into this issue. This is an account that was charged interest and fees for a cancelled transaction. This is a disputed inaccurate account that is on my credit and needs to be removed. This is an violation of several laws including section 1681 ( i ) ( a ). There needs to be a reasonable investigation into this dispute matter AND its the bureaus responsibility to go beyond the original source. 
Please see attached information.
Consumer complaint received 2023-08-07
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. (NC)

I would like XXXX XXXX XXXX XXXX removed from my credit profile this account is paid in full and was supposed to be deleted if paid I was agreement for paid to delete offer this has a impact on my credit profile from me purchasing a home a this is very important this be removed I have did few complaints nothing has been done this is a hold up and purchasing a house is very important to my family and I
Consumer complaint received 2019-02-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

*Racketeering and RICO violations complaint of Shellpoint Mortgage Servicing* *On XX/XX/XXXX I submitted a complaint ( Complaint # XXXX ) about Shellpoint Mortgage Servicing, LLC XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX Phone number : ( XXXX ) XXXX * My main complaint, of multiple complaints was that the former owner of my mortgage ( XXXX XXXX XXXX ) had already agreed to do an " assumption of novation '' in order to simply remove my ex-spouse 's name off of the mortgage. I was told Shellpoint Mortgage Servicing, LLC would be require to preform the simple task of a " assumption of novation ''. Instead of addressing this directly, they are saying that the divorce judge requested I refinance the home. The judges orders are that I simply have my ex-spouses name removed from the mortgage deed. The judge does not care how this is done and a assumption of novation is the easiest way to accomplish this. 
*Shellpoint Mortgage Servicing, LLC is not even a true mortgage lender, but is a debt collector mortgage foreclosure company. They have little interest in " servicing '' your mortgage. They only want to charge you over the top interest rates and then their finale goal is to take your home. Example : A year and a half ago my ex-spouse requested a modification with XXXX XXXX XXXX. She got it.It 's now owned by Shellpoint. We were only behind around {$8.00}. Only {$8000.00}! My wife and I were coerced into this insane modification by XXXX XXXX XXXX! We were told that we had to do this modification because otherwise, they would start foreclosure proceedings immediately. I'm claiming racketeering/RICO violations here. We only owed XXXX {$8000.00}, but the modification charges me {$800.00} a month for 5 years ( 60 months ) which they admit. That's over {$46000.00} for a {$8000.00} loan. See RICO violations. 
*I am willing to overlook this for the time being if Shellpoint gives me " assumption of novation '' to remove my ex-spouses name from the mortgage which my lawyer says is okay with the divorce judge. That's what I need done ASAP please. As I was promised. * The response to my initial partial complaint # XXXX that they never reported any late payments to any credit reporting agency is a partial lie by Shellpoint. They may not have reported it, but the mortgage companies I've contacted about refinancing call Shellpoint and are told I have multiple late payments. Thus, I am unable to refinance my home ( Even with 18 months of on time payments and a high income! ) because of Shellpoint 's saying I have late payments which is false.
Consumer complaint received 2022-08-18
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: Experian Information Solutions Inc. (WA)

Experian emailed me- the subject line said XXXX, confirm your XXXX XXXX XXXX. I dont have a XXXX XXXX XXXX 

Experian used my auto-loan information to fear monger me into utilizing their services or refinancing. 

Upon opening the email, it makes you sign in, after signing in it shows multiple vehicles and tells you to pick yours. After, it tries to get you to refinance through them. 

This is blatant fear-mongering in an attempt to get money from consumers. It leads people to believe someone has fraudulently opened up a car loan and stolen their identity.
Consumer complaint received 2019-02-11
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC. (MO)

XXXX XXXX has been trying to collect a debt that is completely not accurate at all. But recently, they have been contacting me at work-which will get me fire. The first call that came through, which was two weeks ago. I asked them then to stop calling my work, they just hung up on me. This last week they have contacted my work 3 times, leave a voicemail twice. One the third call, I was able to speak with the rep and she stated they would continue to call because that's the only number they had. Which is a lie, because they call my 3 to 4 times a day. The rep was rude and told me that If I didn't want the calls, I should just pay. 
The debt that they are trying to collect is from XXXX XXXX in XXXX XXXX XXXX. The reason this debt is completely inaccurate is because XXXX XXXX is telling me that I never filed the necessary paperwork to leave school. This is not true at all, I had a mental breakdown AT SCHOOL-and the XXXX staff/ department are the ones that filed that paperwork for me. Because they filed the paperwork, the housing department was notified and help me gain access to all of my paperwork and turn in my keys. Every time this debt gets transfer, I have to resubmit the paperwork to XXXX XXXX and they pull the account back from the collection company. We do this dance every year.
Consumer complaint received 2019-04-08
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. (CA)

please find attached the police report and the FTC report for the items that are reporting on my credit file, by mistake or fraud. 
i have tried to fight with the bureaus and it has been unsuccessful, i need your help in order to remove these inaccurate public record and the discover account from my credit file. XXXX  is reporting a Bankruptcy that does not belong to me, and Experian is reporting the XXXX account that was opened fraudulently under my name, they have placed back the XXXX with out even considering me had been a Victim of ID Theft, please help me to remove these inaccuracies.
Consumer complaint received 2019-02-11
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. (GA)

I have inquiry 1 inquiry from XXXX reporting to my TransUnion report and i I have 2 inquiries from XXXX reporting to my XXXX and 1 inquiry from XXXX   XXXX/XXXX. i believe these company are in violation of my consumer right as i have never done business with them before. Please verify the accuracy of these data being furnished to my report and please remove them as soon as possible. Thank you.
Consumer complaint received 2019-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

Hello, I am making a complaint against " XXXX XXXX XXXX d/b/a Mr Cooper ''. Starting XX/XX/2018, this mortgage company bought my loan from my previous mortgage company. During my length of mortgage with my previous loan servicer, I always paid through the telephone auto pay system without incurring any pay by phone charges, as I prefer this method, for security reasons, and do not wish to use the internet pay option. I have other bills like, electric, auto loan, cable provider, and others who do not charge any fee for using the telephone auto payment system. However, this new mortgage company XXXX XXXX XXXX d/b/a Mr Cooper charges a {$14.00} to {$19.00} fee to the customer which I find very troubling and possibly a breach of contract. They claim, they use a third party for the telephone pay service. I told them whether they use a third party or not, it is not the customers responsibility to pay any fees associated with using the pay by phone system should the customer elect to use this system. I wrote two letters to them requesting them to change their policy where customers should not be charged any fee for using the pay by phone system. I consider this corruption and extortion. The customer has a right to use the pay by phone free of charge. Furthermore, I told them, I did not request my mortgage to be bought/transferred. Since they bought my loan, then they are obligated to provide equal or better service as the previous loan servicer. Charging the customer the pay by phone service is definitely not better service. This company needs to be investigated for wrong doing and they should correct the pay by phone policy as mentioned above. Thank You
Consumer complaint received 2019-02-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

I spoke to a customer service manager about a Rate Reduction Plan. After going over my financials she said that the loan would go up higher. Unfortunately, I can not afford the increase and when I asked to speak to a manager and I told her that if the loan was any higher I wouldn't be able to afford to buy groceries or gas and she said to me WELL YOU JUST GOING TO HAVE TO DO PROVISIONS WITH YOUR FOOD. Then I tell her unless I go to a women 's shelter I won't be able to afford any of that. Then I got upset and I said that unless I go to the street and start CHARGING for services she says WELL I CANT TELL YOU WHAT TO DO BUT YOU HAVE TO DO WHAT YOU HAVE TO DO.
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (MD)

In XXXX  I asked XXXX and Experian to investigate and verify my public record listed on my credit report. They responded saying this information is accurate and still remains on my credit. I requested an investigation report and have not received this, now I would this information removed from my XXXX and Experian report it is hindering my future financial stability.
Consumer complaint received 2019-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/XXXX of XXXX I purchased my first car at XXXX years old. I had been saving up for quite a while because no dealership would sell me a car with a small down payment due to my age and lack of credit history. I inquired XXXX XXXX located in XXXX, TX on a XXXX XXXX XXXX which had over 63,000 miles priced at $ XXXX {$15000.00}. 
I brought {$10000.00} CASH. Being naive, I signed a loan with Santander Consumer which only listed {$2000.00} down. I did not realize this until I tried to get the payoff information for the car, thinking I only owed {$4000.00}. My credit score has been completely ruined for one late payment and I am {$30000.00} in debt including the 22.9 % interest I get charged at XXXX years old for a car I should owe less than 5 thousand on. 
I am highly frustrated with the situation because they took advantage of me and when I tried to resolve the issue, I was ignored. The dealership is being shut down because of fraud and title problems. I tried to get a lawyer but the cost would be more or the same as what is owed on the car. 
I do not know what to do at this point. The thing that upsets me the most is my credit score.