davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-16
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. (TX)

XXXX  and Transunion are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account needs to be coded as an XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Equifax ; XXXX  and XXXX  are reporting incorrectly past due on the XXXX XXXX account number XXXX. This account was closed and paid in full. I was married in XXXX, 2013 and my husband and I combined our account and the old account was closed. This trade line keeps appearing on my credit report when it shouldnt. ( Please see page 2 of the attached credit report. ) This account is over 7 years old and is coded incorrectly as well. Please delete this line item from my credit report and/or change the coding error.
Consumer complaint received 2019-06-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Messerli & Kramer P.A. (WI)

This issue began when XXXX XXXX XXXX, a debt buyer, purchased or otherwise acquired a disputed account from XXXX XXXX. I have requested numerous times that XXXX XXXX verify the debt owed with documentation ( not their bills which proves nothing ). 
I have requested documentation in compliance with the FDCPA and according to the FCRA. These requests have fallen on deaf ears and no such documentation has been provided by them. 
I further have asked for method of validation used to determine accuracy. I asked for an itemized listing of charges/debits and an affidavit. these documents were not provided and the company is using my SSN and other data to report this on my consumer credit files. 

I was contacted from Messerli & Kramer PA on behalf of XXXX XXXX XXXX and informed that I am being sued for damages pertaining to a {$1200.00} debt. the paperwork states that I am to present myself in court, or to pay them a settlement. 

I find it unethical in the extreme that I am dismissed and then sued, and pressured to hire attorneys which I can't afford, or waive my rights and agree to pay them for an account I challenge and do not recognize. I am an older woman and do not have access to legal representation. I need assistance in this matter.
Consumer complaint received 2019-06-19
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. (MN)

I have attempted several times, today XX/XX/XXXX was the latest in my attempts to have XXXX credit card update status on all 3 credit bureaus with correct account information. My account is reporting as closed with a balance owed of {$180.00} as of last date reported XX/XX/XXXX, and current since XX/XX/XXXX. This information is false my account is open and current balance of {$160.00}, upon reporting this to XXXX XXXX they charged me with writing them a later stating that my account is showing as closed on the 3 credit reports, but they are the ones reporting this incorrect information.
Consumer complaint received 2020-02-17
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: Innovis (UT)

Valid police reports are attached to this complaint if in the future a creditor willfully tries to report a debt account to my Innovis report. I have also attached the Detective from the police department. He specifically stated to seek the cooperation of the credit bureaus in this matter. I am requesting for you all to be in compliance of the law in these matters. Feel free to reach out to the police department in this matter. Thank you.
Consumer complaint received 2020-09-25
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. (PA)

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please remove account which does not below to me or any transaction made by me.
Consumer complaint received 2019-06-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: DISCOVER BANK (CA)

I called about postponing payments on my student loans and the representative told me that I could enter into a temporary payment reduction until this was sorted out and reviewed. When I then called back for status I was told that I was not eligible due to already having been placed on a payment reduction. 

I now am confused and dont no which way to turn. I need help to postpone payments until end of 2019 due to financial hardship which Ive already explained to the company, Discover Student Loans.
Consumer complaint received 2022-01-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

LoanCare had a program to allow for a loan modification which had a closing date of XX/XX/XXXX. I submitted the application, but it was " removed '' by LoanCare before XX/XX/XXXX. I was repeatedly told to resubmit applications, and have been provided with e-mail addresses and fax numbers by LoanCare representatives which were not in operation. Within a few weeks of each application, I was FALSELY informed that I did not sign any of the applications and attendant paperwork and told to resubmit the loan modification documents. This has happened about five times since the whole process began in XXXX of XXXX. I was again told on XX/XX/XXXX that I did not sign the application. This is patently FALSE, and this is an obvious subterfuge to tire me out and cause me to not follow up on further loan modification applications. I really wish that the CFPB would intervene, given this bad faith pattern and practice.
Consumer complaint received 2023-04-03
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. (NJ)

There many inaccuracies on my account report. I reached out to the credit bureaus and also had XXXX XXXX reach out but inaccuracies remain. Attached are two different credit reports from two different companies that show inaccurate reporting.
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

Under the terms of my credit card, a minimum payment was due due on the XXXX of each month. I arranged for a payment on XXXX XX/XX/2020, satisfying this requirement. On XXXX XX/XX/2020, I made a second payment ( well above the minimum payment due ) to the account, as I was unsure of whether I would be able to make a payment on or about XXXX XXXX. Thus, I made an early payment for the bill due on XXXX XXXX. When I attempted to use my card on XXXX XX/XX/2020 for a purchase, I learned it was declined. Upon logging in to my account on XXXX XXXX, I learned that I was considered delinquent for not paying my bill on XXXX XXXX, and further a USD {$29.00} " late fee '' was assessed. I contacted Citibank Mastercard to dispute this fee. I spoke with an individual representative ( who sounded to be operating from an overseas call center in XXXX XXXX and explained this dispute. She attempted to resolve the issue, but then indicated that only her supervisor could resolve it. When I spoke to her supervisor, I indicated that this fee was not lawful and that I would be seeking remedies under U.S. Fair Credit Reporting and Consumer Protection Laws unless Citibank resolved the issue. At that point, the supervisor terminated the call.
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My DOB XXXX and my is SS XXXX I have attached my SS Card and DL for proof of ID.
Consumer complaint received 2023-08-10
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX, I received a letter from Chase, stating that all accounts of our family : checking/saving accounts for me, my wife, and XXXX kids, plus associated credit cards and safety deposit boxes, would be closed on XX/XX/XXXX. The reason given in the letter : " because of unexpected activity on this or another Chase account ''. That is absolutely incorrect! We have no " unexpected activity '' whatsoever during the past 17 years banking with Chase. I called Chase customer service. The agent was sympathetic but could not offer any further explanation. This kind of sudden closure without any alert, inquiry or specific reason is not only shocking, but it has created lots of hassles for payments of family expenditures, linked utilities, and other payments. Particularly the letter for the safety deposit box said " if you don't pick up the contents by XX/XX/XXXX, we'll send them to the state as abandoned property, or auction them ''. What kind of bully notice is this?! What if we were traveling and did not receive the letter in time? I am sure we are not alone. How Chase treat their customers is unprofessional, disgusting and frustrating! We demand a solution for this issue and reinstatement of our accounts.
Consumer complaint received 2023-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (MN)

Someone I believe has stolen my identity in the past or used my info to sign me up for cable that I did not consent to. At first I thought this debt was for an early termination fee that was resolved but now i see that it is actually for equipment, but i did not have any XXXX  equipment and if they think i do it is from someone other than me ( someone that used my info without my consent ).
Consumer complaint received 2023-08-11
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. (NJ)

There is a name on my Experian File that is not mine and Experian has provided me with no recourse to remove it. Please ask Experian to remove the name " XXXX XXXX '' from my credit report.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NY)

I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. 
Remove this incorrect information at once and send me an updated copy of my credit history report. 

1. I have never been late with payments on this account.

WFHM Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Consumer complaint received 2023-08-12
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 — Investigation took more than 30 days
Company: Kinum, Inc., Indianapolis, IN Branch (HI)

I had sent a letter to the collection agency Kinum , Inc. on XX/XX/2023, certified mail. They signed for it on XX/XX/2023. This is not my debt. I asked Kinum , Inc. for a debt validation/verification pursuant to 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ).

I have not received a response to my letter. Or any form of communication with Kinum , Inc., before or after it has been reported on my credit report. 

Attached hereto is a copy of my letter dated XX/XX/2023, along with proof of certified mail.
Consumer complaint received 2020-09-25
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. (AZ)

Began making payments with loan servicer Navient in XX/XX/XXXX, the original loan was for {$16000.00}. The capitalized interest was {$4800.00}. The total loan with capitalized interest added in was {$21000.00} when repayments were initiated on XX/XX/XXXX. The interest percentage rate is 4.875 %. Since XX/XX/XXXX, payments of {$160.00} have been made every month. Life of loan payments paid to Navient total {$7600.00} as of XX/XX/XXXX. The current total balance as of XX/XX/XXXX is {$21000.00} and the current unpaid principle is {$21000.00}. Navient is not been applying any of my payments to the total loan principle that includes the capitalized interest and the original loan of {$21000.00} for the last almost 4 years of payments, claiming that the payments have been applied to the capitalized interest separately. The capitalized interest was already added to my original loan in the beginning of servicing, therefore they are double charging me on the capitalized interest. Navient claims the capitalized interest was a separate balance from my current total balance when in fact it was already added into the total balance in XXXX. Please Help!
Consumer complaint received 2016-05-21
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Onity Group Inc. (NC)

Ocwen was in receipt of a notice to correct an error on my loan for clear errors regarding the unlawful start of a foreclosure before sending a 45 day pre-foreclosure letter. Ocwen received the notice to correct the error on XXXX XXXX, 2016 at XXXX XXXX, Owen 's automated response system sent me an email response on the same date and time stating thanking me for my request. Ocwen claimed to be reviewing the information and stated that they will respond quickly as possible. If additional information was needed, they would contact me. On XXXX XXXX, 2016, Ocwen mailed out an acknowledgement letter stating again that they received the correspondence. Ocwen said its goal was to complete all research and provide a written response to me within ( 10 ) business days from the date of the receipt of the letter, but it could be 30 days. When the 10 business days passed, Ocwen was contacted by my wife regarding the pending sale on the property for the status and inquired about the investigation into the notice to correct the error. Owen 's representative said that the research was ongoing and that the sale had been cancelled. We noticed that the trustee was still advertising the property for sale and we inquired with them and found out that the sale was not off. Ocwen on a later date informed me that the sale was in fact canceled through a call with my resolution manager, but just 30 minutes or so before my appointment time with my resolution manager, the attorney for the trustee sent over a message stating the sale for XXXX XXXX, 2016 was still scheduled. We decided on XXXX XXXX, 2016, after failure to get fair, non discriminatory treatment from Ocwen and its agents, we filed a fair housing complaint based on what we feel is racial discrimination. On XXXX XXXX, 2016 contrary to information that we read on the CFPB site regarding a Notice to Correct an Error, Ocwen sold the property before sending a written response with supporting documents that no error was found.
Consumer complaint received 2015-04-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I have a car loan with Santander Consumer USA in XXXX, TX. On XXXX XXXX, 2015 I attempted to buy a new vehicle at XXXX XXXX. XXXX Santander refused to give a pay off amount to XXXX XXXX saying my loan was in bankruptcy. That was incorrect. I had a previous bankruptcy that was discharged, and the vehicle in question was never included in the bankruptcy, yet they said it was and refused to give the pay off. I called them and they argued with me when I tried to clear the matter up. They finally gave a verbal pay off. XXXX XXXX said due to previous problems with Santander on verbal pay offs-they wanted it in writing. ( They said when they have had cars in bankruptcy ; they 've accepted a verbal XXXX day pay off, then sent them the money in time-yet Santander refused to send the title to XXXX XXXX saying more money was owed due to the bankruptcy. ) XXXX XXXX called requesting a written pay off and so did I several times and Santander refused. I even requested as the customer to fax it to me and they refused. I would call back and ask to speak to a supervisor and either be told none were available, or was transferred to voice mail ( Supervisor XXXX XXXX ) and I left messages to never receive a call back. I was hung up on XXXX-XXXX for explaining that the line I was speaking to them on was recorded ( I am a XXXX XXXX and all our lines are recorded ) when she heard that she told me " we can not be recorded, so now that you 've told me that, I 'm hanging up '' and did just that. Another hang up came when I told the representative I was filing a complaint with your agency in the event I was not allowed to purchase the car due to their failure to send a pay off ; she told me " now that you 've told me you 're filing a complaint-I am blocking you from accessing any information on your account, and I 'm hanging up on you '' and she did so. They NEVER did send a written pay off. Fortunately for me, XXXX XXXX accepted my old bankruptcy papers showing proof my trade in car was never in the bankruptcy, and they accepted the verbal pay off and let me purchase the new vehicle. Santander demonstrated HORRIBLE customer service to someone that had a car loan with them for XXXX years and they would always tell me I " was a valued customer ''.