davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-28
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. (IL)

I paid off loan in XX/XX/2015 and the status on my credit reports all of a sudden is showing 60 days past due. I filed a dispute with credit bureaus and they continue to report in accurate information. I reached out to XXXX and they are saying they are reporting the correct information. I also reached out to credit bureaus and they are telling me to reach out to XXXX to have them change information.
Consumer complaint received 2017-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (NC)

I am writing a second complaint against Bull City Financial. They have replied to my first complaint refusing to remove invalid information from my credit report. Today, in hopes of getting clarity, I spoke with the original creditors XXXX XXXX, XXXX XXXX billing department, as well as the state XXXX division in my area. I spoke with XXXX from the original creditor and according to the records, I was covered by XXXX during the time of service. The account was sent to Bull City due to the negligence of XXXX XXXX billing department and them not submitting a claim to XXXX. This information was verified by the hospital I XXXX at. Per XXXX in billing at XXXX XXXX XXXX, XXXX was active during my XXXX and they have billed for their services, the doctor failed to bill for his. XXXX with NC State XXXX XXXX office also verified there were no billing claims for this doctor 's office and that they have 365 days to enter a claim. XXXX with XXXX XXXX agreed that XXXX had not been properly billed and that I should not be billed for these services.
Consumer complaint received 2018-02-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MO)

My prior mortgage servicing company, XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) has yet to refund my real estate tax escrow balance, even though they were paid off when I refinanced my mortgage back in XX/XX/XXXX. I closed on my refinance on XX/XX/XXXX, at that time my County real estate taxes were now due and payable, therefore I was required to pay the XX/XX/XXXX tax bill at closing on the refinance through the company I was closing with ( XXXX XXXX XXXX ). At that time, Loan Care also attempted to pay the XX/XX/XXXX tax bill. Since the County received the funds from XXXX XXXX ( company I refinanced with ) first, they did not cash the check received from Loan Care and likely was sent back to them. I called Loan Care twice in XX/XX/XXXX, and twice in XX/XX/XXXX to follow up on my tax escrow refund ( which should be approximately {$2100.00} ), each time I have called they stated they were still working on issuing the refund and that they will have an update soon. Nobody has once tried reaching out to me ( mail or by phone ) to inform me of the status of my refund, I have had to initiate each interaction with Loan Care. I have verified that I had plenty in my escrow balance for them to pay the taxes, there was no shortage in escrow at time of loan payoff by XXXX XXXX. The {$2100.00} is a LOT of money, and is money that is owed to me. Loan Care has no right to hold this money this long, when it was confirmed back in XX/XX/XXXX that the tax bill was already paid by XXXX XXXX.
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (IL)

I paid off loan in XX/XX/2015 and the status on my credit reports all of a sudden is showing 60 days past due. I filed a dispute with credit bureaus and they continue to report in accurate information. I reached out to Santander and they are saying they are reporting the correct information. I also reached out to credit bureaus and they are telling me to reach out to Santander to have them change information.
Consumer complaint received 2019-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I have spoken to PenFed several times about reducing the interest on my Promise Visa credit card and they refuse - even though I have a credit score of approximately 750. I have even offered to convert the card to their Gold Visa product, which has an inherently lower rate, and they still refuse. They say I have to apply for a totally new account, which would require me to add a new account to my credit, tarnishing my report, while also losing the history on my Promise Visa, further harming my report. They can, and should, simply lower the rate on my existing product. The rate on the card was quite low when I got it and has been adjusted upward due to the prime rate - which I understand is out of their control. That said, they should be reviewing accounts to determine whether the margin they add to the prime rate can be reduced for customer who have a perfect payment history with them and have never exceeded their limit. I would like to see my interest reduced to the 13 - 14 % range and feel that this is realistic based on the very positive relationship I have had with PenFed.
Consumer complaint received 2019-10-03
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: EQUIFAX, INC. (CA)

I got my credit ran today XX/XX/19 at the XXXX dealership because I am trying to but a new car but when they looked at my credit report they told me that I did not qualify to get a car loan due to having accounts in negative standing on my credit history. I looked over the accounts and right away I noticed that these accounts were not mine. I did not open any of these accounts and I have never allowed anyone to open an account on my behalf. I don't know why these accounts are on my credit or who opened them in my name but I have already filed a police report. I never got anything out of these accounts such as money, services or any other benefit nor did I participate in any purchases, payments or transactions in regards to any of those accounts
Consumer complaint received 2019-07-28
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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (CT)

I leased a car from GMAC, made ALL payments promptly and FULLY. When I turned in my car, the dealer accepted the car as is -- -no dings, no problems, whatsoever, pristine condition. 

GMAC then sent me a letter saying the contract called for a disposition fee, prepping the car for sale -- -UNNEEDED in my opinion. I DISPUTED the fee and would not pay it. I was never told by anyone that there was this addtional cost to the lease. Yes, it was in the contract ; HOWEVER.. 

I was told the disposiyion fee would be waved if I leased from GMAC again. I would not considring this BLACKMAIL. After numerous, more thandaily, call, dunning me, I asked them to stop harassing me. They did, but they also reported this DISPUTED cahrge to the credit rating services who immediately became complicit by reducing our PERFECT credait rating incrementally as I was still disputing the fee. 

I finally gave in after tryig to lease a car from another dealer who said I was a tier 5 credit risk when I had always been tier 1. The point of this complaint is twofold. 

One, all auto leasing companies should be required to STATE verbally ALL costs of a lease instead of SNEAKING in hidden fees!! 

Two, Credit rating companies should not allow one disputed fee to wreck a perfect credit record especially when it is a protested fee. The intricacies of protesting for elderly people particularly, I am XXXX, is abhorrent. 

I believe credit rating companies should not conspire with any company to destroy credit. 
I believe all leasing companies should be required to STATE all leasing costs. 

I have paid the disputed, STILL, fee because it was in a signed contract. To make matters worse, my wife who also, unnecessisariously signed the GMAC lease, had her credit rting destroyed. 

Now I am asking for a law change and an instruction to the credit card comapnies to stop conspiring on such charges and to return my wife and I immediately to our previous, for year perfectt credit standing. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Ct XXXX XXXX
Consumer complaint received 2019-07-28
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. (IL)

I have been contacting TransUnion explaining to them that they are reporting things that absolutely fraud and do not belong to me. I have told them over & over & over again that this information that they continue to keep on my report is fraud information. The account for XXXX XXXX  & XXXX XXXX do not belong to me & I did not apply for these accounts. I have sent several police reports & the identity theft reports and they still report fraud information.
Consumer complaint received 2019-07-28
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. (FL)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

In XX/XX/2018, I upgraded my XXXX XXXX retail store card ending in XXXX to their Mastercard ending in XXXX. When the upgrade occurred the balance on the old card of {$760.00} was transferred to the Mastercard. 

Unfortunately, when the old account ending in XXXX was closed an update was not sent to the three major credit bureaus in XX/XX/XXXX showing the account closed with a XXXX balance. 

The last reported date for the old account is XX/XX/2018 with the following history : Balance : {$760.00} Date of Last Payment : XX/XX/18 Amount Past Due : {$0.00} Min Monthly Payment : {$27.00} At this point in time, the current information documented at the Credit Reporting Agencies is incorrect and should be updated.
Consumer complaint received 2023-04-08
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NJ)

Navient Account Student Loan 1 High Credit {$15000.00} paid in full Student Loan 2 High Credit {$16000.00} currently on time Total account XXXX Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 

They report 95 % This is not correct. The limit was XXXX. The debt to income ratio should be reported at 45 %.
Consumer complaint received 2019-10-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (VA)

I had a loan through Cardinal Financial and had sent a letter saying I wanted to recast the loan. They sent me a letter on XXXX XXXX with instructions on what to do ie. send the {$300000.00} and a {$300.00} dolllar non-refundable fee. I followed the instructions in the letter and was told that I would recieve the contract via XXXX and to sign it and send it back.I never recieved the package and on about the XXXX of XXXX I recieved a letter stateing that XXXX XXXX would be servicing my loan. After waiting some time I called XXXX XXXX and was told they did not do recasts and I would have to wait 6 months to refinance. I had a financial advisor that helped me with the original loan and she has made several attempts to settle the matter but Cardinal has stopped responding to her e-mails and calls. I feel this was dishonest since they took my {$300000.00} and did not recast the loan.
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

CitiBank - CitiCard, Credit Card Division - Citibank closed my account, due to inactivity, last activity was in XX/XX/XXXX a payment of {$1.00}. I have had this account since XX/XX/XXXX. As a result, my FICO credit score, and other credit scores by other reporting agencies have tremendously dropped by at or around 40 points. I requested Citibank reopen the account. CitiBank has informed me that in order to reopen the account, and regain my credit history since XXXX XXXX, CitiCard will have to pull my credit. I have 90 days to decide whether to reopen the account, otherwise credit history is lost. The issues I find here include the following : 1. I was not given notice prior to account closing. Section 7 of Credit Agreement states the following : " Closing or Suspending Your Account. We may close or suspend your Account if any of the events listed above occur, or for any reason, or for no reason. We may do this at any time, without notifying you, as allowed by law. '' Notice should be given to customers prior to closing their account that has been opened for close to a decade. CitiCard representative also stated that you have informed colleagues that notice should be given to customers before account closing. 2. My credit history has been damaged as a result of CitiBank closing my account. I have been personally damaged by my credit history declining as my husband and I have began the homebuying process, initial discussion with real estate representatives and banks. 3. I have been damaged with this inconvenience my time and pice of mind has been damaged. I called CitiBank on XX/XX/XXXX on or about XXXX XXXX PST and was on the phone with a CitiBank representative for close to an hour. My issues have still not been resolved. I am reporting this complaint to resolve my issues by opening the account without pulling my credit score.
Consumer complaint received 2021-05-31
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. (PA)

These accounts are not mine, I do not have any knowledge of the following account charges. Please delete & block these accounts from my credit report. Please apply these laws to my accounts : The fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting ACT ( FCRA ) 15 U.S.C ss 1681 ( FCRA ), Metro 2 Compliance
Consumer complaint received 2019-07-29
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: Innovis (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOBXX/XX/XXXX SS XXXX My information is clearly shown above. After this credit freeze has been filed, please forward me a written copy of my full report to the address I have confirmed above. 
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the Credit Report and other furnished inquires regarding all personal information. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.
Consumer complaint received 2019-10-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC (GA)

I went to in network XXXX XXXX XXXX Hospital on XXXX of 2018 for an XXXX  XXXX of a suspected XXXX  or XXXX XXXX. They determined it was only XXXX, I paid my XXXX deductible, and went on my way. A month later I get a bill for XXXX from XXXX XXXX, the doctor that saw me on my ER visit. The bill from the hospital was covered by my insurance company, XXXX XXXX. The Bill from the Doctor was not, I called the hospital, they said there's nothing they can do, I have to dispute it with my Insurance company. I did just that, with no results. They told me the doctor was an " out of network doctor '' well that's fine but I went to an Emergency room, I didn't make a doctors appointment. Doctors absolutely should not be billing patients in the ER. So the short of it is, I went to an in network hospital, but I was seen by an out of network doctor whom I did not choose, I only went to the ER to get an XXXX. Now I'm getting called by Bay Area Credit Services everday bc they sent the bill to collections. 
5 parties involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bay Area Credit Service Me
Consumer complaint received 2019-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

I disputed an account with Transworld and they provided me with a document which is not a contract or anything that legally shows that I owe the amount of {$540.00}. Please provide contracts, copies of actual bills and a signed copy of agreement to Transworld that legally bound Transworld, to collect anything on behalf of this account. I do not believe this charges belongs to me.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

On XXXX XXXX, 2021, I tried to make an Online Dispute with Equifax, but their website is " down. '' On XXXX XXXX, 2021, Equifax reported my credit as Serious Delinquency and Time Since Delinquency is Too Recent or Unknown to a third-party, XXXX XXXX XXXX XXXX. 

This is a false and defamatory statement. 

Equifax states on my current credit report, that ALL my current and past installment, revolving, and mortgage accounts have NO LATE PAYMENTS. Equifax further reports on my credit report there are no Bankruptcy or Collections. 

How can Equifax report No Negative information on my credit report, but also tell a vendor, ( in this case, XXXX XXXX XXXX, that my credit is Seriously Delinquent? 

This is wrong and must cease. 

As a matter of fact, XXXX  reports my FICO as XXXX a Very Good credit rating. XXXX  reports that all my payment history is EXCEPTIONAL. 

I want Equifax to stop erroneously reporting and misrepresenting my good credit standing. 

I appreciate your time in considering my request and look forward to your response.
Consumer complaint received 2021-07-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIRST NATIONAL BANK OF OMAHA (TX)

Hi requested a new credit card to my address XXXX XXXX  XXXX XXXX XXXX Texas XXXX and I never received my credit card and it was send back to the sender by the US postal service and I never requested that and the bank told me that I would have to go on another credit review if I get another card sent to me with a new card number and I explain to the bank I never requested for a address to be forwarded it must be a mistake with the US postal  service and my brother was recently moved and he must use my name to change the address without my permission and its fraud if that true and Im asking for first National Bank of Omaha to resend me that credit card with the same account number to my address ... my original credit card was stolen along with my wallet and my wallet was recover by the police department of XXXX XXXX and Ive been going through too much already such as losing access to my XXXX and not receiving any verification codes to my phone and getting all my cards reissued to me
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dana & Pariser Co.,L.P.A. (OH)

this bank company is reporting negative, false, misleading wrong information on my credit report, they are reporting fraudulent information on my credit report..on XXXX   they are reporting my account as a mortgage loan that has been charged off, and on XXXX  its showing a charged off credit card, and this is far from the truth, this is a deposit account only, this was not a loan nor a credit card, this was a deposit account only, a place were i deposit money only. it appears like this on experian XXXX XXXX XXXX - XXXX and like this as on XXXX. XXXX XXXX XXXX XXXX