davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-24
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: TD BANK US HOLDING COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX TD  BANK N.A. XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-02-24
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XXXX XX/XX/XXXX TOYOTA MTR XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-02-24
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. (FL)

XXXX XXXX  XXXX VISA is no longer reporting to my current credit reports. This account was definitely not fraudulent and I paid account in full on time.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have been disputing negative items with Equifax on my credit report since XX/XX/XXXX. Since then I have been consistent in sending dispute letters and have kept great record of everything I've sent. Equifax has not responded to my claims or properly investigated my disputes which is my right as a consumer. I have attached all of the correspondence I have sent to Equifax and will also spell it out for you below. 
On XX/XX/XXXX, I sent my first round of disputes to Equifax. This letter was sent certified mail receipt number : XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, I sent a follow-up letter to Equifax to please reinvestigate my claims. 
On XX/XX/XXXX, I sent a method of verification letter to Equifax, inquiring how they are supposedly verifying the accounts on my credit report. 
On XX/XX/XXXX, I sent yet another letter to Equifax asking for them to re-investigate my disputes and again nothing happened. 
On XX/XX/XXXX, I sent one more letter to Equifax letting them know of my intention to file a complaint with the CFPB if nothing changed. Nothing changed, so here I am filing this complaint. I am outraged at how I have been treated by Equifax. They are blatantly ignoring my rights as a consumer and deserve to be held accountable.
Consumer complaint received 2022-10-15
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 been trying to get information from this company about unknow account. I have never heard of this company or open up any account with this company. I sent Certified mail to this company and all three to all three Credit Bureau XXXX, XXXX and Trans Union. XXXX and XXXX remove both unknow accounts from there reports after investing the problem. Trans Union have not done anything at all no letters no emails or calls. The collection Company is XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX XXXX. this company is reporting on my credit report like recently on up an account. it's been a couple years now and they have sent not single document no response at all making up account open dates all kind of illegal things, on my credit report both don't have a account number that's crazy and illegal
Consumer complaint received 2019-05-03
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: Lendmark Financial Services (GA)

Affidavit was filed XX/XX/XXXX, disputes XX/XX/XXXX, Telephone calls to the company XX/XX/XXXX. Information should not be on my credit report. Theft.
Consumer complaint received 2020-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NC)

In XX/XX/XXXX I received my escrow analysis dated XX/XX/XXXX. The second page reflected the incorrect amount of taxes to be disbursed in XXXX  ( for the XX/XX/XXXX installment ) as {$1500.00} - higher than the actual amount of {$900.00} ; also making the page 3 projection incorrect. ( Taxes are collected bi-annually, with different disbursement amounts for each installment. ) The error in the analysis created a shortage of {$810.00} - which is not true. I was given the choice to pay the shortage up front or add it to my monthly payment. 

On XX/XX/XXXX I called Roundpoint Cust. Svc and emailed them proof of the tax amount scheduled to be dispersed for the XXXX. installment, as per their request. I had previously emailed them the same bill in XX/XX/XXXX. I also requested a new analysis to be prepared. The only good result is they disbursed the XXXX. taxes for the correct amount ; however, I have not received a new analysis. Since I did not feel confident that they would prepare and send the analysis, I sent ( via mail ) a notice of error to them on XX/XX/XXXX along with a copy of the analysis and proof of the tax amount. I have not heard anything and my billing statement for XX/XX/XXXX reflects a higher tax amount being collected including the shortage. I called again last week but the person in the tax department did not seem to be knowledgeable. He said that I now had an overage, but I believe he was looking at the amount left in the escrow account, not whether an analysis would result in an overage or shortage. Again I explained the situation and requested a new analysis and new monthly statement. 

I have an ACH on the first of the month - next due XX/XX/XXXX and have no idea what amount they are going to take. I warned them of that and they said I would not have to change my ACH, as they would deduct the new amount. I have no idea if that is correct information or not. I fear that if they take the higher amount it is simply going to make the matter worse and more difficult to correct. Also too, I am not sure whether I even trust that they will deduct the correct amount, or whether my payment would be rejected. If there is still an shortage after the new analysis, I would pay it upfront. I am running out of time before XX/XX/XXXX.
Consumer complaint received 2020-02-24
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: ALLY FINANCIAL INC. (FL)

On the XX/XX/XXXX we used XXXX ( the only option allowed by Ally Financial ) to pay off our car loan. We were told that the lien would be released and that we could obtain the title via the DMV by the XX/XX/XXXX or XX/XX/XXXX. We went to the DMV on the XX/XX/XXXX and the lien had not been released. We called Ally and they said that they would fax us a lien release letter that day. Nothing came through. We called on the XX/XX/XXXX and again they stated that they would fax us a lien release letter and again nothing came through. I called again today ( XX/XX/XXXX ) and again they only remedy that Ally would offer me is to put through yet another request for an " urgent '' fax. We have a buyer for this car, but without a title we can not sell it. If the buyer goes away then I have been financially hurt because Ally is negligent by not releasing my lien/title in timely manner.
Consumer complaint received 2020-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (OH)

XXXX came to our home to give us a quote on a new bath. Gave service rep our personal info to get pre approval for a loan. Got approved for a certain percentage. I turned it down. Got a notification from my credit report a credit card was opened in my wife and I 's name. We never approved for them to do this, a credit card was never even mentioned. The sales rep even opened the card in a higher amount than we even needed. This happened XX/XX/XXXX. I have called the company to talk to thesales rep, but they never get back to me on the issue.
Consumer complaint received 2020-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (IA)

XX/XX/XXXX phone call about debt from National Credit Systems in XXXX Georgia. 
XX/XX/XXXX returned phone call Advised that they had mailed paperwork to vacant apartment EVEN THOUGH the original ceditor was advised of the address several times by email. 

Nationals credit services ( Ms. XXXX ) advised that this would be reported to the credit bureaus no matter what and that yes, they had mailed it to the vacant apartment, and nothing was mailed to the co defendant ever. 

There is no judgment. 

The debt is inflated no inspection report was ever filed Shifty and vague about explaining to me how to dipsute, since they never provided me notice.
Consumer complaint received 2020-02-24
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-08-20
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. (OH)

My name is XXXX XXXX XXXX I have several issues on my credit file. I have only one name and it should appear as XXXX XXXX XXXX!! Please remove all other variations of my name. My DOB is XX/XX/XXXX my SS# XXXX please update. i HAVE NEVER LIVED IN XXXX  OHIO please delete remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX,XXXX XXXX XXXX , XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX OH XXXX  , XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX  OH XXXX, 1XXXX XXXX XXXX XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX OH XXXX  , XXXX XXXX XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX. Please forward me a copy of my updated report.
Consumer complaint received 2020-02-24
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. (AL)

I HAVE BEEN ASKING THIS COMPANY FOR A YEAR NOW TO SEND ME DOCUMENTATION WHERE THIS ACCOUNT IS MINE,. 
I HAVE NEVER HAD AN ACCOUNT WITH CREDIT ACCEPTANCE ( XXXX XXXX XXXX? 
I AM ASKING THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY XXXX XXXX XXXX  Reported : XX/XX/XXXX {$8700.00} Closed OTHER LOANS XXXX  XXXX XXXX # XXXX Reported : XX/XX/XXXX {$230.00} Needs Attention XXXX XXXX XXXX # XXXX Reported : XX/XX/XXXX {$400.00} Closed XXXX/XXXX  XXXX Reported : XX/XX/XXXX {$0.00} Closed
Consumer complaint received 2020-02-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (CA)

On XX/XX/2019 I was admitted to XXXX XXXX Hospital and XXXX XXXX for an XXXX   XXXX. Charges for this visit were submitted by the XXXX XXXX, the XXXX, and the XXXX  to my insurance company. I later was mailed AND emailed the remaining bills from each. Two of these bills were payed off shortly after I received them and the third I have arranged to make monthly payments on. Months later I happened to take a look at my credit report to find that my scores had been dramatically and negatively impacted by three unknown charges which had been sent to a collection agency. After disputing the largest charge ( {$1000.00} ) with XXXX it was removed from my report. I am now attempting to remove the remaining two charges. ( {$510.00} ) & ( {$740.00} ). After contacting every single department at XXXX XXXX I quickly came to find that no one had ANY information about these charges. I then contacted my insurance company who also had no record of these charges being submitted. I have now been searching all over for any information about the company which submitted these charges. After extensive research I have tied these charges to a XXXX XXXX XXXX Lic # XXXX ( i think ) and a  company called " XXXX XXXX '' or " XXXX XXXX  ''. I was never seen by a Doctor  by that name and received no type of treatment from a group by either name. No type of billing was ever sent to my insurance OR my personal address or email by these people. I have tried countless phone numbers in attempts to contact this person or the companies he is associated with and have come up with nothing. I believe that this person is using there license to charge patients for services which were never rendered and sending them directly to collections as a means of hiding the fraudulence of the charges. Currently I am seeking legal assistance in hopes that ultimately this doctor 's licence will be revoked.
Consumer complaint received 2020-02-24
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SLM CORPORATION (NC)

About two months ago I thought my student debt was deferred until i graduated from college. Now they are calling and writing letters saying that I owe them around XXXX $ for interest. Ive been battling with my loans for a year and a half now ; but more issues keep getting created by sallie mae. I owe around XXXX and with interest it is over XXXX. Im already paying on student loans every month by a different company ( XXXX $ ).
Consumer complaint received 2020-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

On XX/XX/XXXX, I paid the Property taxes Loancare had illegally paid without my consent on XX/XX/XXXX, in attempting to change the terms of my loan and force place me into impound/escrow for taxes. The County Treasurer sent the same amount to Loancare the same day, XX/XX/XXXX-Loancare held the payment and would not credit my account until XX/XX/XXXX. 

On XX/XX/XXXX, I retained an attorney to resolve continued illegal attacks on my sovereignty by Loancare. 

By XXXX/XXXX/XXXX, I was forced to mail my regular payment of a cashiers check via tracked USPS, since I was prevented from using the Loancare website or pay by phone to make my regular payment as due, I was locked out. 

Loancare received this payment XX/XX/XXXX, but did not credit it to my account until the next day XX/XX/XXXX. Loancare has previously delayed credit of my payment on other occasions, pretended I paid late and charged a late fee. 

By XX/XX/XXXX, the matter was considered resolved by my attorney. Loancare appeared to have the fixed most account errors, reversed late charges, located the tax refund from the XXXX County Treasurer and credited my account and refunded a small amount belonging to me after the corrections were made. The account detail on the Loancare website also reflected the credit of my XX/XX/XXXX payment ; but the website erroneously indicated a next payment due XXXX-the next payment is due XX/XX/XXXX. Another mistake already. Then, a late charge on XX/XX/XXXX. 

As of today, XX/XX/XXXX, the online account screen now indicates an unpaid late charge. This is not accurate, I am up to date. 

Loancare continues making mistakes, erroneous charges, delaying posting my payment and pretending I am in default, even as the issues are being resolved by an attorney at my expense.

All the while, Loancare continues to send embarrassing letters stating I am behind on payments and threating foreclosure. And Loancare Loss Mitigation continues to call me several times each week. There is no reason for Loancare to call me. This is disruptive. 

When I returned Loancare 's call today, XX/XX/XXXX, I was verified through the automated system. XXXX, who answered, would not transfer me to a supervisor or answer my questions of why they were calling me, so I informed her I would file a complaint. 

Loancare continues to attack me by changing the terms of my loan, attempting to charge me late fees, trying to deceive me into believing I am in foreclosure and fraudulently reporting late mortgage payments to credit bureaus. 

These acts by Loancare are injurious and costly.
Consumer complaint received 2022-10-15
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 XXXX XXXX solicited one of my companies for an XXXX XXXX XXXX XXXX, which my business received. Our business was exclusive to XXXX, so we had no other revenue source but our revenue was already $ XXXX in the first 6 months. However, XXXX abruptly and without any explanation closed our XXXX store and suspended our account. Therefore, my business could no longer afford to pay the loan until we resolved the matter with XXXX, who still owes us over XXXX XXXX XXXX XXXX explicitly told me and one other equity owner of this business that the loan was NOT PERSONALLY GUARANTEED and I provided two separate emails with XXXXXXXX  employees assuring us that only our business credit would be effected if we defaulted. I provided this proof to all 3 bureaus and demanded removal of the charge off showing on my credit and all 3 STILL have this on my personal credit report, which has reduced my credit score from XXXX to XXXX! I need this removed immediately!
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: I.Q. DATA INTERNATIONAL, INC. (MN)

Recently when I applied for a Line of Credit with XXXX XXXX XXXX I was informed that I have a collection for {$3400.00} on my name for a lease some one signed at XXXX XXXX  XXXX XXXX. The lease was signed by a person named XXXX XXXX and has a name of XXXX XXXX as Guarantor. I do not even know any of these names and did not sign any lease for anyone. Even when I got a copy of the lease there is no mention of my name or anywhere I signed. 
I have told the company to correct the mistake on their side but nothing has been done yet. This is impacting my ability to get my loan refinanced. 
Creditor- XXXX  XXXX XXXX XXXX  in XXXX and the debt collector is IQ Data International Inc , XXXX XXXX XXXX XXXX # XXXX, XXXX WA XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: General Motors Financial Company, Inc. (NJ)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-02-24
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. (AR)

My sister informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX  XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX  XXXX  XXXX   XXXX {$96.00}