davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-16
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 credit report I obtained from Transunion through XXXX indicates a low credit score because, among other cryptic explanations, XXXX reports a delinquent account. This is not true. XXXX sold the debt to another company. The information is incorrect and must be reported paid as agree. I was never late to XXXX ( acct XXXX ) and it was never part of any Wage Earner Plan. Moreover, this automobile loan was never part of a Chapter XXXX. I have requested the report from the court of jurisdiction as evidence. All 72 payments were made on time and were not part of a Chapter XXXX. The Transunion account still shows the following incorrect information : Alert Type : Delinquent Account.

Processed Date : XX/XX/2018. 
Account number : XXXX. 
Creditor 's Name : XXXX. 
Type of Industry : Miscellaneous Finance Companies. 
Address : XXXX XXXX XXXX, XXXXT XXXX, MO XXXX. 
Payment Status : Wage Earner Plan.

Creditor 's Preferred Contact Method : Other.

Consumer Statement : Dispute resolved ; customer disagrees.
Consumer complaint received 2022-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (ND)

Background : My wife and I purchased our first home in XXXX of XXXX. Our mortgage was issued through TCF Bank and the financing went well without any issues. Since purchasing our home, we have never missed a mortgage payment. We have paid every 1st of the month, on-time, and in full via direct deposit from our checking account. 

TCF Bank was acquired by Huntington National Bank in XXXX. 

The issue : On XX/XX/XXXX, I received an Escrow Account Disclosure Statement that shows a current negative balance in my escrow account of {$12000.00}. This was the first time I had seen documentation or notification of a negative escrow balance in my account. Further, I was told that to make-up for this deficit, my mortgage payments would increase from $ XXXXmo to $ XXXXmo XXXX This increase is essentially double the monthly amount. 

After doing some research into the scenario, it became clear to me that Huntington National Bank made a significant error in calculating the amount of money I would need to pay for my property taxes. In their original escrow analysis, the bank estimated that I would need to pay {$590.00} annually for property taxes. However, in reality, I paid {$6600.00} in property taxes for XXXX. This means that the bank was negligent in collecting the proper amount of funds into my escrow account to maintain the correct amount. Again, this was all unknown to me at the time, and I was simply paying the amount on the invoices I received each month. 

From XX/XX/XXXX until XX/XX/XXXX, I was paying {$210.00} into my escrow account, which is well under the correct amount. To me, this is extreme negligence on behalf of Huntington Bank for 1 ) making an incorrect analysis and 2 ) not catching the error sooner and thus 3 ) not informing me in a timely matter.
Consumer complaint received 2023-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (NC)

I submitted a refund request for my student loan payments made during COVID forbearance on XX/XX/XXXX - I was originally given a timeline of 150 days to receive this refund for a total of {$21000.00}. 

A customer service representative then told me in XXXX, XXXX, that my refund request was still being processed. 

I had another chat with customer service on XX/XX/XXXX. I was originally told that they could not locate my refund request. After I pressed the representative on this issues, I was told they found my original request and that it was still in processing. I was told that there was nothing more that they could do because my request was in the hands of the Department of Education. 

I had another chat with customer service on XX/XX/XXXX. I was again told my refund request could not be found. After pressing the representative on the issue, I was told that my original request was erroneously entered as a request for a payment history report instead of a request for refund. 

It took 7 months and several chat with customer service to discover that my original refund request ( for over {$20000.00} ) was never submitted due to an error from the company. I was effectively lied to by the company on three separate occasions, and these lies have caused significant financial hardship. 

I made it very clear on several occasions that I was expecting a refund from the company, and I was told on each occasion that the refund was being processed. The company never once reached out to me to inform me that there was an error with my original request. Because of this, I will likely go several more months without receiving compensation.
Consumer complaint received 2022-03-09
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. (VT)

I had a legal name change. I informed Experian of this on XX/XX/22. They asked me to fax them some documents and said that once they were received the matter would be resolved in 3-5 business days. I faxed the documents that day. On XXXX I called to find the documents had been received but the problem hadnt been resolved. The agent, XXXX, started the process. She said it would take 24 hours. I called again today and was told the problem had yet to be resolved.
Consumer complaint received 2020-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MI)

On XX/XX/XXXX I called XXXX and they told me that if I paid the account that they would remove it from my credit report. They told me it was 72 hours to process and 45 days to remove from my credit file. SO i did my part and I called the collections agency and paid said account. Here it is XX/XX/XXXX and it is still on my credit file showing a XXXX balance, nonetheless still on my report. I was told this was going to be removed. So i went ahead and called the credit collections company Enhanced Recovery Company XXXX and they told me to call XXXX. So i hung up called XXXX, they bounced me everywhere including the fraud department. I finally spoke with a person who told me to get back with the collection company and they are the ones that wll remove. I called ERC and they told me to contact XXXX that they have a contract with them and cant remove the collections from my credit file. I feel like a ping pong ball i lived up to my end I paid it they said they would remove it ... XXXX nothing has been done
Consumer complaint received 2022-07-25
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. (FL)

In accordance with the FCRA the following companies listed below have violated my rights as a consumer. The Credit reporting agencies stated the following were properly investigated but the opened date is inaccurate, and date last reported is not accurate. That is ground for removal. 

Accounts XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$26000.00} XXXX XXXX XX/XX/XXXX {$430.00} XXXX  XXXX XXXX XX/XX/XXXX {$220.00} Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX My rights were violated under the following 15 USC 1681 Sections 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 611 ( 2 ) ( a ) states the credit bureaus have 5 days to notify me from when they receive my disputes.

15 USC 1681 Section ( 5 ) ( a ) ( I ) ( II ) states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2021-05-10
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. (VA)

When I pulled credit on myself I noticed a credit card acct with Chase ending on XXXX that has a balance of {$23000.00} on my credit report thus lowering my Beacon score. I am an authorized user on my Dad 's credit card acct and that is what this is, but I am not liable for this balance.
Consumer complaint received 2019-04-30
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. (NC)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 3 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 2018-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

We requested to remove PMI. We were told originally to reduce balance to 80 % then that changed to 75 %. We did what we were told. We should have had PMI removed back in XXXX ; however we are getting the run around. We want the PMI removed & back dated to reflect the correct effective date. They are telling us we need to pay the full payment for a 2nd month which is completely unfair & unprofessional. We are getting no where with Caliber Home Loans customer service. 

Please help us! 

Our experience is real estate, insurance agent & prior mortgage origination therefore this should not be happening to us ... this is ridiculous
Consumer complaint received 2018-08-16
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. (NC)

XXXX Credit reporting provided outdated and incorrect information to creditor XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX on XX/XX/2018 with whom my wife and I were applying for a mortgage loan. They reported an open account with XXXX XXXX in the amount of {$2400.00} even though I had disputed the information due to this account was paid in full in XXXX of 2018. They also reported incorrect/outdated info for XXXX XXXX XXXX XXXX of unpaid charge off of {$610.00} even though I had disputed this account and had paid this account in full in XXXX of 2018. 

Transunion continues to report the same incorrect info. 

Both XXXX XXXX and XXXX XXXX XXXX XXXX are both paid in full and closed.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reached out stating that my account history should be exceptional as it is reported as on my XXXX  as such. There has nothing been updated to reflect that to match my XXXX  account.
Consumer complaint received 2018-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (FL)

I opened a secured card with XXXX XXXX  XX/XX/2015, I gave a deposit of {$300.00} and the card began reporting on my credit. I never missed a payment and only had the card to build my credit. keep the balance at XXXX, and stopped using the card. I recently got a copy of my credit report and the account has been charged off and over 24 late payments, I have called numerous times to have this account resolved, but all they say is that my deposit was used to offest the account and that fees were charged and the account was charged off for failure of payment.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Hi, my name is XXXX XXXX and I have an XXXX XXXX XXXX XXXX lease posting on my credit report with the account # XXXX. I don't know what this is I did not go for any apartment lease or any car lease so I have no idea on this lease that was taken out in my name. My identity had been compromised on the dark web in XXXX and in XXXX someone took a lease out on me and completely destroyed my credit. This account is not mine and was removed from the other two bureaus however, Experian continues to give me a hard time and won't have this account removed from my credit report. I will provide the FTC complaint document in the attachment below and hope the CFPB can help me with this.
Consumer complaint received 2018-08-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Integrity Funding Ohio, LLC (TX)

I took a {$750.00} Loan on XX/XX/18 from XXXX XXXX XXXX XXXX ( XXXX ) I made two payments as of XX/XX/18. 

First payment made was on XX/XX/18 Second payment made was on XX/XX/18 My balance on this {$750.00} loan is {$810.00} as of XX/XX/18. How can this be after making {$360.00} in payments? The balance is going up! Highway robbery!
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After XXXX was Hacked and all consumer information was stolen, I placed a Freeze on my Credit Report to protect my confidential information. I am trying to apply for a new Credit Card which requirers XXXX XXXX to review my credit reports. XXXX has lifted the Freeze - XXXX and TransUnion are being difficult to deal with ... requesting enormous amounts of confidential information and requesting a fee to lift the Freeze. 

They are all being arrogant, unhelpful, and looking to make more money from a problem they created by allowing consumer information to be hacked.
Consumer complaint received 2022-03-09
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. (GA)

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance XXXX XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$18000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2022-03-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (WI)

previous investigation done by chime - case id numbers- XXXX, and XXXX. 
previos cfpb reports files back on XX/XX/2021 - cfpb # - XXXX and cfpb # XXXX. 
wisconsin Datcp fiILE # WHICH THEY FAILED TO REPSPOND TO - XXXX. 

NOW IM REACHING OUT AGAIN. 

this is fraud. I want this account shut down and the complete file on this account. transaction history and everything you have.
Consumer complaint received 2018-08-16
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. (OK)

I have been disputing inaccurate information that has been placed on my credit report for since early XX/XX/2018. I applied for a refinance of my mortgage loan and was adviced That I have 100 plus inquiries from each credit bureau. I pulled each credit report and noticed about 80 plus were not authorized. I sent all three credit bureaus letters. I received from all three breaks. XXXX  responded XX/XX/2018, their response was a letter was received and they didnt think it was me. They will not continue on with investigation. I sent and updated all information on XXXX XXXX. XX/XX/2018 XXXX received dispute letters in regards to inquiries. Their response on XX/XX/2018 from the inquiries were that the inquiries were authorized and accurate and they are not removing them. I sent Experian two dispute letters, one for my inquiries and one for several inquiries on my credit report. Experian has refused to take any action on my credit file. They have just continued sending me copies of my credit report and hasnt followed up with me. I am becoming frustrated because it seems that my credit is being pulled from auto lenders and several credit card companies as from the past every 6 months and they are going through the institutions that I bank with. I just want to get this matter resolved.
Consumer complaint received 2018-08-16
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: EQUIFAX, INC. (OK)

I have been disputing inaccurate information that has been placed on my credit report for since early XX/XX/2018. I applied for a refinance of my mortgage loan and was adviced That I have 100 plus inquiries from each credit bureau. I pulled each credit report and noticed about 80 plus were not authorized. I sent all three credit bureaus letters. I received from all three breaks. XXXX  responded XX/XX/2018, their response was a letter was received and they didnt think it was me. They will not continue on with investigation. I sent and updated all information on XXXX XXXX. XX/XX/2018 Equifax received dispute letters in regards to inquiries. Their response on XXXX XXXX from the inquiries were that the inquiries were authorized and accurate and they are not removing them. I sent XXXX two dispute letters, one for my inquiries and one for several inquiries on my credit report. XXXX has refused to take any action on my credit file. They have just continued sending me copies of my credit report and hasnt followed up with me. I am becoming frustrated because it seems that my credit is being pulled from auto lenders and several credit card companies as from the past every 6 months and they are going through the institutions that I bank with. I just want to get this matter resolved.
Consumer complaint received 2019-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (OH)

A fake collections company is calling saying I owe money for an emergency room visit. I called the hospital and our visit was never sent to collections and was paid by our insurance. We never received any type of bill regarding our visit since we had already met our deductible that year. The statement we received showed it was paid in full. They only know me by my phone number- no account number, no nothing.
Consumer complaint received 2018-08-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

Santander Consumer USA is erroneously reporting a balance owed on a voluntary repossession. They failed to provide proper notice of auction or sale of vehicle and are now reporting an erroneous balance 7 years later of twice what they originally reported on credit bureaus. They failed to follow legal protocol in the sale and notification of collection efforts on account, never notified me, and after previously agreeing to rectify the matter and remove the erroneous debt, they are now reporting it again several years later. There should be a XXXX  balance on the account and no adverse reporting, as the vehicle sold for more than what was owed on loan. Also, the loan was the legal responsibility of co-borrower and should not be reported in my name at all.
Consumer complaint received 2018-08-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (LA)

XXXX XXXX company is attempting to collect on a debt that is past the statute of limitations in my state of Louisiana and they refuse to validate the debt, refuse to stop calling at inappropriate times and refuse to remove this damaging remark from my credit reports. I've written several letters asking for their license to collect in Louisiana and they never respond.