davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have submitted multiple disputes along with Identity theft reports/police reports to XXXX  for fraudulent accounts and inquiries. They have not properly investigated these items nor provided sufficient evidence that i opened these fraudulent accounts. They refuse to remove all inaccuracies on my credit and it is damaging it bad!
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

XX/XX/XXXX, submitted a complaint to Experian that I paid my loan in full on on XX/XX/XXXX and  gave them a copy of settlement document on-line. They did not agree. so re-disputed with email from company showing the balance was paid, to include the signed settlement document. They still refused to mark the load as paid in full showing I owe over {$25000.00} on the loan. 

I have tried to put a statement on my credit report and they will not let me put a statement. The Lender has verified that I owe nothing on the loan. I have requested a letter from them as well because I do not know who Experian is speaking with in regards to this matter. It is causing me undo stress.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

There was an error on my credit report reported by XXXX XXXX XXXX XXXX in XXXX XXXX, MI. It is reporting that I was late in XXXX of 2017 on my camper payment. I was not. The payment was sent electronically and posted to the credit union savings account instead of applying it to the loan. I have contacted the credit bureaus and tried to get it resolved. They just look at the payment history and do not read the notes so they continue to verify it as late. I have a letter from the XXXX XXXX XXXX XXXX saying the reporting is incorrect but they the credit reporting agencies will not change the late payment to current.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

There was an error on my credit report reported by XXXX XXXX XXXX XXXX in XXXX XXXX, MI. It is reporting that I was late in XXXX of 2017 on my camper payment. I was not. The payment was sent electronically and posted to the credit union savings account instead of applying it to the loan. I have contacted the credit bureaus and tried to get it resolved. They just look at the payment history and do not read the notes so they continue to verify it as late. I have a letter from the XXXX XXXX XXXX XXXX saying the reporting is incorrect but they the credit reporting agencies will not change the late payment to current.
Consumer complaint received 2017-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

I had 2 modifications with Ocwen Loan Servicing. I 've requested a print-out from Ocwen from XX/XX/XXXX that shows all monthly payments have been made. The newest re-modification that began on XX/XX/XXXX also shows all payments made. During this modification I called many times about a discrepancy showing on their website stating I had missed a month. After calling every month they kept telling me their system has n't updated. I told them I was concerned about how this going to reflect on my credit report and they stated that after everything updated, they would clear it with the credit bureaus. Not only did they not take this negative reporting off my credit report, they charged me 9 Property Inspection fees at {$13.00} each. I did n't even know I was being charged these fees until I requested an itemized print-out. When I asked a representative what these fees were for, they said when there 's a late payment and I 'm defaulting an inspector goes by my house. I told them again that I 've never defaulted on any payments and I can show bank statements if necessary of all payments made. My concern is that the reported information that was not factual and will unfairly negatively impact me for a long time. They continued to report for months after the modification was started and established that I was late. When I asked why they took so long for their system to update my record they stated " they have no set time frame for internal processing ''. I 'm a single mother XXXX XXXX and have had no financial help from my ex-husband for 5 years. I do n't have a lot of income at my current job and I have 9 deductions every week including XXXX for health care. I requested explanations from Ocwen and asked them to reverse the reporting on the credit bureaus because it shows payments made in full every month. After talking with several people I learnt that there was support and protection for consumers and I 'm hoping that there 's some resolve. Sincerely, XXXX XXXX
Consumer complaint received 2020-02-11
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: Experian Information Solutions Inc. (IN)

We have a mortgage with XXXX ( was with XXXX up until last year ) the mortgage company will not report our " On Time '' Payments to the credit bureaus. 
We have been consistently on time for 10 years but they wont report to bureaus thus negatively affecting our credit score, which costs me every day. Our account number with XXXX is XXXX XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, IN XXXX
Consumer complaint received 2020-02-11
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: EQUIFAX, INC. (IN)

We have a mortgage with XXXX ( was with XXXX up until last year ) the mortgage company will not report our " On Time '' Payments to the credit bureaus. 
We have been consistently on time for 10 years but they wont report to bureaus thus negatively affecting our credit score, which costs me every day. Our account number with XXXX is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, IN XXXX
Consumer complaint received 2020-02-11
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. (IN)

We have a mortgage with XXXX ( was with XXXX up until last year ) the mortgage company will not report our " On Time '' Payments to the credit bureaus. 
We have been consistently on time for 10 years but they wont report to bureaus thus negatively affecting our credit score, which costs me every day. Our account number with XXXX is XXXX XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, IN XXXX
Consumer complaint received 2020-02-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal took money out of my checking account to pay a past due balance on a credit card that wasnt setup on automatic withdrawals. It is for my rent money. I reached to Navy Federal for hardship assistance and they refused to help or lower my payments. I dont have money to pay my rent. Im going to be homeless. My landlord agreed to hold-off on evicting me and to accept my XX/XX/XXXX payment on The XX/XX/XXXX.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I have submitted multiple disputes along with Identity theft reports/police reports to Equifax for fraudulent accounts and inquiries. They have not properly investigated these items nor provided sufficient evidence that i opened these fraudulent accounts. They refuse to remove all inaccuracies on my credit and it is damaging it bad!
Consumer complaint received 2022-10-07
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In 2017 I after answering an ad to earn an income from home. I was contacted by a company who explained how they would train me over the course of 6 months to earn a steady income. At the time I was in and out of the hospital and they were aware of my health condition and said that they would work with me no matter how long as they knew I was limited in my time and abilities. I paid the initial fee of {$8000.00} and began their training. A few days later I was asked to pay for another thing for {$6000.00} and it just continued from there. I was led to believe that I was talking to the same company and when in fact I was not I was actually dealing with several companies and these were all telemarketing scammers. They continued to insist that I needed these additional items to do everything legally right. I am writing because I had not realized I was being taken advantage of I was not aware that this is a common scam among the elderly and I need help. I am unable to reach these companies and they never fulfilled the items that I was sold and what they did was not what was promised they misled me an defrauded me. According to the Attorney General, I understand that Telemarketers are requited to refund any money paid under these terms and it was recommended that I contact your agency since my bank is not honoring this and is dismissive of my complaints.
Consumer complaint received 2020-02-11
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. (FL)

I am a victim of identity theft due to an XXXX  Credit breech.On XX/XX/2020 I have submitted all required identity theft documention to Experian credit services and the following companies, XXXX XXXX XXXX   account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX. They continue to report these fraudulent accounts that are identity theft. Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.and send the required notifications to all furnishers of this information.
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (UT)

Under sec 609 Of the FCRA The Creditors must show A Document with my Signature On It to report the information. I know They do n't have that information on hand and They still keep reporting the Items on my Report I dispute. I dimmed this get fixe.
Consumer complaint received 2020-02-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CA)

XXXX reference my previous complaint. They did complete the IDR for this current year. However, they had me submit my documents for 2013 - current to redo the Idr for previous years as they never suffered nor allowed me to correctly utilize my income for those years as since i incurred the loans prior to my marriage and i have no access to his accounts. I do not have to use his income. They agreed to redo those years, but i have not heard a thing. I am eligible to the pslf loan forgiveness and would be on my 7th year of repayment. I have turned all requested documents. I have not received any response.
Consumer complaint received 2020-02-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (MA)

My lease ended on a XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I returned my XXXX   and now lease a XXXX. I payed my property tax on the soul in full. I requested a abatement in XX/XX/XXXX. Over the past year. I have spend hours on the phone. Im on hold for at times 2 hours. I get transferred to different departments and no one helps me. I have faxed requested paperwork 10 times. In XX/XX/XXXX I was promised the abatement was sent. I called today again on hold over an hour. Transferred to 3 different departments and was told. The abatement was filed XX/XX/XXXX. I am totally disgusted. I pay my lease on time but have to wait a year for {$100.00}. May not be a lot to you but I work extremely hard for {$100.00}. Please please help me
Consumer complaint received 2023-04-16
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. (FL)

I WOULD LIKE TO DISPUTE INQUIRED IN MY CREDIT REPORT THAT YOU WERE MADE WITHOUT MY AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-02-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (OH)

I received a letter from my current employer alerting me that my check was being garnished.. when I called the XXXX XXXX who is responsible for the garnishment they said they tried to contact me using an address that I have never lived at and they werent able to verify it was me. I asked them to mail me proof that I was responsible for the debt they sent me a letter trying to verify my identity AFTER the garnishment court date telling me I had 30 days to verify debt.. I went to the courthouse and they told me the court date had passed and the court signed of on a garnishment before the company XXXX XXXX even verified I owed the debt. I do not owe this debt I wasnt even given the chance to prove it wasnt my debt.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I submitted my deferral paperwork in a timely manner ( prior to deadline ) and I followed up with them several times via telephone. I was told they had the paperwork and that it was in process. I was shocked to find out that it was on my credit report. I was reassured many times that it would be processed timely and not be reported on my credit.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MT)

Since XXXX I have been sending my id and not getting responses and being told my info was never received or told inaccurate info about resetting my password. GET ME INTO MY ACCOUNT. I just waited 30 days for a response that had NOTHING to do with what I asked!
Consumer complaint received 2020-02-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX XXXX XXXX, offered a Lease deal of 33 month with 7500 miles per year. we drove the car to XXXX  under the impression that XXXX. we now turned in the car and Chase is letting us know that we only had XXXX because the lease for 33 month and not the full year. Interestingly enough when we leased the car there was no 3 year choice for the 7500 miles per year. They are now charging us an extra {$300.00}. this was never explained. As a matter of fact, the dealer even said we had XXXX miles. Chase is the finance company and are hiding behind the fact that it was the dealership 's responsibility to have informed us and to place a complaint. The issue is that the over-the-miles fee are kept by Chase. This seems like an unfair practice and misleading. Chase and XXXX XXXX are hiding behind an erroneous arbitration clause that does not fully define what the actual arbitration clause. I am speaking to a supervisor over at Chase as I write this letter ( ID is XXXX ). She says she has the lease agreement on hand. I asked her to let me know in what state are arbitration is held, and it is obvious the contract does not state where. She referred a website. I am sure that I am not the only person affected by this misleading practice just to be able to squeeze few hundred dollars from consumers. Please note in the contract page 8 # 13. Reads " excess of 7500 miles per year during the scheduled Lease Term. '' Where does it say that based that the loan is for 33 months that we will be prorated. The minimum arbitration fee is {$1500.00}. Therefore, what consumer arbitrate when it would be cheaper to simply pay the fee. Chase has a fiduciary responsibility to make sure that dealers are disclosing properly how their product works. They are ignoring this fiduciary responsibility in order to continue to reap profits from consumers. they are no better than XXXX XXXX.
Consumer complaint received 2021-03-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I have disputed 2 account that I do not feel are accurate, nor has the company ever provided proof to me that this debt is owed! The first time I disputed this through the credit bureaus was XX/XX/XXXX. I disputed again on XX/XX/XXXX because I didn't receive anything in the mail from the bureaus. It is XX/XX/XXXX and I still have nothing from anyone! No investigation has been started, no verification was given by the creditors or the bureaus and no response was sent to me, electronically OR through US mail!. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2021-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5TH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have disputed the following accounts with your organization and with the original creditors below. The creditors have failed to respond in the allotted time of 30 days as mandated by the FCRA. Certified letters were sent to the following creditors on the specified dates below : XXXX XXXX XXXX - Failure to respond to dispute ( Dispute Sent XX/XX/2018 ; Dispute Received XX/XX/2018 ) XXXX XXXX XXXX XXXX - Disputing all late payments reported on credit report ( Dispute Sent XX/XX/2018 ; Dispute Received XX/XX/2018 ) Copies of dispute letter and certified receipts of the above accounts are included with this complaint.
Consumer complaint received 2020-02-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lloyd & McDaniel, PLC (KY)

I began receiving numerous phone calls every day at all hours along with letters that said I owed a debt that I didn't believe I owed. I asked my husband to contact them to find out what they were calling about. When he asked them for proof of the debt they didn't want to send it. Finally they agreed to send something. When it arrived it was only part of the story. They left off payments etc that would reduce the amount. They claimed it was what they were given as they had received it from another company and they were the 3rd party. 
When we offered to pay the amount that was actually due they wouldn't accept it and threatened to sue. 
Eventually they somehow got a " judgement '' on XX/XX/XXXX. We were not notified of the time, date, or meeting, whatever they had, for this " hearing '' so we couldn't be represented. 
I don't know how much they have taken in the interim from my checking account because my bank hasn't notified me who has been taking the money, but it has been several hundreds of dollars. 
Yesterday I was told they have somehow gotten an " Order of Wage Garnishment '' at my employers office. This one has a date of XX/XX/XXXX. AGAIN no opportunity to contest it, question it, or settle it. 
These people are dishonest and deceptive in their practices. I have had no opportunity to settle the debt and resolve this. Further, I suspect it has been reported on my credit bureaus again unfairly and incorrectly. 
This needs to be stopped!