davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reached out to you guys several times about items being reported to my credit that aren't mine. Over the course of several months, I've seen things come off, but I've also seen new things reappear. I am looking at my credit report now and there are several new things that are here that are absolutely not mine and I'd like them removed immediately. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX  XXXX XXXX.
Consumer complaint received 2019-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding LLC has reported that I owe a debt to XXXX XXXX. I disputed this in XXXX and the company never responded to my complaint. I have contacted this company by phone at XXXX and by certified letter sent to LVNV Funding LLC, c/o Resurgent Capital Services, XXXX XXXX   XXXX, XXXX, SC XXXX. I have never had an account or owed anything to a company called XXXX XXXX.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

For the past 6 months my financial institution ( XXXX XXXX XXXX ) and I have been trying to settle an issue with Equifax regarding my credit reporting. I have contacted Equifax numerous times and got my personal information verified and straightened out but I simply do not have a credit file with Equifax. My financial institution confirmed with Equifax that everything is being reported correctly but is being reported to another consumer under my SSN. Equifax confirmed this error with my financial institution and have not taken any neccessary steps to alleviate this issue. This issue has been going on for the past 5-6 years with out me realizing it. I have confirmed with the other two bureau 's that my SSN is not being used for anything other than the loans I've taken out because I can see those credit reports just not the Equifax report since there is nothing in it due to this issue.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (HI)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX did a soft inquire on my Equifax credit report. They did not provide " reason codes '' according to Equifax. Equifax says without these " reason codes '' they can not properly categorize the inquires. XXXX has been notified and still has not provided a " reason code '', so the inquires are showing as " hard '' when in fact they were soft. Equifax and XXXX XXXX won't pick up the phone and talk to each other and keep hanging up on me like little children. Equifax said that XXXX knows they are required to provide a " reason code '' yet they continue not to do so. Equifax says that if XXXX would " call them '' they could resolve this in minutes not the " weeks '' that they have taken. Also both Equifax and XXXX ignore their responsibilities during the dispute as neither side was able to communicate this " error '' and resolve it instead they " pretended to investigate '' and did nothing, it took me hours and hours to get this simple solution!!! XXXX under federal law and the rules of Equifax need to " provide a reason code '' yet still have not done so!!!
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I would like the following unauthorized hard inquiries deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-07
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. (NJ)

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 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 2019-10-01
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. (MI)

There are 3 PAID collection accounts on my Equifax credit report from XX/XX/2019, for XXXX XXXX XXXX. ( paid receipt uploaded ) I notified all 3 bureaus, XXXX, XXXX, and Equifax by certified registered mail with a copy of my driver 's license, social security card along with the receipt from XXXX XXXX XXXX showing the accounts totaling {$170.00} were in fact paid in full. XXXX  & XXXX deleted these paid accounts IMMEDIATELY. Well within 2 weeks. Equifax REFUSES to remove these accounts and they have given me every excuse under the sun. I filed a complaint with the Ohio Attorney General 's office against XXXX XXXX XXXX because their offices are in Ohio to get these paid collections removed from my Equifax credit file. 

I received a phone call today from the Attorney Generals office today ( XX/XX/2019 ) they advised me after their investigation that XXXX XXXX has been PAID and they have no further action or interest with me. They advised me to file a complaint against Equifax with the Michigan Attorney General 's office for assistance. Being that XXXX & XXXX has removed the items shows that XXXX XXXX has no further interest and Equifax needs to follow suit. 

I am filing a complaint with the Michigan AG 's office as well as retaining my personal attorney XXXX XXXX XXXX to pursue legal litigation against Equifax for damages to my credit report. I have spent hundreds of dollars in certified letters, online complaints, postage not to mention my time and frustration and I am on Social Security XXXX and live on {$1300.00} a month. 

Equifax is damaging me with these 3 paid collections impacting my credit score severely.
Consumer complaint received 2019-05-08
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I asked that you investigate and remove the unauthorized inquiry on my credit report. 
CAPITAL ONE AUTO FIN Inquiry from XX/XX/2019 I checked my report recently and noticed that you did not remove it. Why is that? It appears to me that you don't care about my rights and my creditworthiness.
Consumer complaint received 2019-10-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (TN)

My first modification trial payment was due XX/XX/2019 I've made that payment. 
I received a property foreclosure notice for the sale of my home that is set for XX/XX/2019 from the foreclosure attorney XXXX XXXX XXXX. How is a foreclosure sale set for my home when I'm in a trial modification plan the began XX/XX/2019. 
Property foreclosure letter was received XX/XX/2019 and the property foreclosure sale date is set for XX/XX/2019 that's not 30 days prior to sale date as required by the Tennessee XXXX.
Consumer complaint received 2019-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IN)

Summary I am paying PMI on my mortgage even though my LTV is less than 78 %. They keep telling me that they will mail me things that never show up in the mail that I can sign for a written request and that I can't get approved because it needs to be 75 % and 2 years.Homeowners protection act of 1998 states the actual laws on PMI cancellation which doesn't require you to wait 2 years and should automatically be dropped off when you reach 78 %. 

I have called over 5 times and get told over and over again that I need to wait two years and 75 %. It's impossible to get to people in charge and I'm stuck paying PMI in the meantime and I never actually get mailed anything. 

Attached is the timestamp when I crossed 78 %. The date is XX/XX/XXXX I put {$6200.00} down. 

Attached is the amount I currently owe which is {$130000.00} Math : XXXX/XXXX = 77.2
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (MD)

GM Financial continues to report inaccurate information on my credit report. I have filed disputes, left messages, faxed over credit reports as well as bank statements, but to no avail. I continue to get the run around from the credit and customer service dept.
Consumer complaint received 2022-07-19
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. (TX)

I was applying for a car however more inquires came on my account without my use. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (IL)

This is regarding my Ditech loan # XXXX. This loan was taken over by Ditech from the original servicer in XXXX or XX/XX/2019. 

I had my payments automatically deducted from my checking account with the initial servicer. I requested the same from Ditech as soon as I was notified that it was taking over my loan. Payments were successfully made the 1st and 2nd month. However, Ditech did not autodraft the 3rd month and then triggered a late fee and penalty. I called, paid two months at the same time, requested that they reverse the late payment and restart my autodraft. This then happened again in XXXX/XXXX. 

I have now paid {$1000.00} in late fees. I now have seriously derogatory strikes on my credit that must be removed. I just paid my XXXX bill ( today, XX/XX/19 ) manually because the autodraft is again not set after 3 requests to fix it. It now says I am not eligible for autodraft. 

I know that this is not a communication issue. Ditech knows how to communicate on everything else. They just fail to do so when it can cost me money and marks against my credit report. Indeed, I have received over two-dozen e-mails from Ditech over the last 4 months telling me about my refinance options and ways to save money. I've received other e-mails from Ditech regarding my eligibility to participate in a lawsuit against Ditech for improper servicing errors and expenses. 

I don't know what else to do. I need these fees taken off. I need my credit report corrected. I can manage not being on auto-pay but I would prefer being serviced by a provider that does not take advantage of me.
Consumer complaint received 2019-05-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I've been consistently paying on my student loan for years but the balance continues to go up. I've started keeping detailed spreadsheets at the end of XXXX so I can understand how the balance is working. I have a lump sum auto-debited every month which has been getting applied across all the loans. In addition to the monthly payment I've been making extra payments and knocking out loans one by one lowest balance to highest. Note that I currently have 12 loans left with Nelnet each with different interest rates and payment amounts. When I checked my balance at the end of XX/XX/XXXX the overall balance was just under {$29000.00}. I really felt like I was finally making progress. I've paid off four loans in the last year. This past weekend when I checked my overall balance is {$29000.00} which has increased! I paid more than {$1000.00} over the balance due yet my balance is increasing which doesn't make sense. Upon looking into it more I see on the website that my XX/XX/XXXX payment was not applied across all 12 loans but only to 3 of the loans which caused the other 9 to increase in overall balance. I called the company tonight to find out why they are doing this. I spoke to a gentleman named XXXX who told me the Department of Education decides  which loans need to be fulfilled to make it better for the consumer. I said I understand since it applied to the 3 highest interest rate loans ( all above 6 % ) but how is it possible for the balances on the other loans to increase. None of this make sense to me and I'd like it investigated. I've been ensured that I'm in the best plan the standard repayment plan which pays it off the quickest. I was offered the option for income based and I would pay for twenty years and have the rest forgiven which I laughed at since my goal is to have all of these paid off in a year. I just feel like the company has been taking advantage of me since day one back in XX/XX/XXXX. They see that I am trying to pay these off so have started picking and choosing which loans the money is applied to. How could they go from months of consistently applying across all loans to now all of a sudden only applying to three loans!
Consumer complaint received 2019-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (IN)

I renewed by XXXX in XXXX of 2018. Against my wishes and application, my loan servicing company ( Great Lakes ) placed me into PAYE. This caused me to acquired increased interest as none of the interest is subsidized. They have since rectified placing me into the wrong IBR plan, but the will not rectify the additional interest that accrued during this time. Additionally, now the interest has capitalized into my principal, which will cost me thousands by the time I am done with repayment. 

The first individual I spoke with at Great Lakes assured me that this was an error on their end, and it was no fault of my own. This seems to no longer be their story. 

The short detail of this is that my interest shouldn't have capitalized due to their mistake, and there is more interest than there should be, had they placed me into the repayment program I desired ( REPAYE ).
Consumer complaint received 2019-05-08
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. (FL)

I had a debt of XXXX with XXXX XXXX being collected by XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone XXXX I paid off the balance in full on XX/XX/XXXX With a guarantee it was settled. 
Recently I got an alert that its on my account Balance Date XX/XX/XXXX Balance {$230.00} I called the company and they are rude and told me they removed it and if I want it expedited off my report I have to take it up with the credit bureau and hung up. They refused to give an explanation on why it was on there
Consumer complaint received 2019-01-29
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: Experian Information Solutions Inc. (LA)

Hey in Last year send all documents to credit bureau never got any response back items still remind on my credit report by law after 30 day 's no response company supposed remove items.
Consumer complaint received 2018-12-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & R Collection Service, Inc. (TX)

I called R and R collections asking for any information or proof of this debt. I asked for all records of this debt thats on my credit report. The office manager XXXX informed me that " they do not keep any records in their office and can not send me any information whatsoever '' She told me to call the hospital because they do not have anything in their office to show proof of this debt which are two medical bills reporting on XXXX. The other collection on my report is from XXXX XXXX heating and air. This company is out of business for the last 5 years. So they can not validate this debt either. They also reporting this collection on my report 3 in all. I believe they refuse to cooperate with me, they refuse to send me details ..I have reported this to the credit bureau 7 times and they refuse to validate the debt. The credit bureau gave me your contact information to make a report and file a complaint
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX & EQUIFAX, I HAVE SENT YOU BOTH MULTIPLE CERTIFIED LETTERS TO REQUEST TO UPDATE MY PERSONAL INFORMATION. YOU ARE WILLFULLY REFUSING TO DO SO. I HAVE SENT IN PROOF OF IDENTITY AND YOU STILL REFUSE TO UPDATE MY PERSONAL INFORMATION. IVE BECOME ABSOLUTELY STRESSED BY THIS PROCESS THAT I CONTINUE TO SEND MONEY FOR POSTAGE AND YOU BOTH STILL HAVEN'T FIX THE ISSUE!
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc (NY)

Harley Davidson is reflecting a " negative '' criteria on all three of my credit reporting agencies ( XXXX XXXX, XXXX  & XXXX ). 
This account was opened in XXXX of 2011.There is no past due amount, there is nothing owed on this account. This account is paid in full AND they have made a profit on this loan! 
It is showing a one time 30 day late! I was never late, non the less this company continues to send me paraphernalia as I am a CUSTOMER IN GOOD STANDING with offers to purchase another motorcycle. I have no problem with this, however if I am such a great customer, why is my account not reflecting positive - as it should. I am also a member of their XXXX XXXX and have done many sponsored charity runs that the group promotes enthusiastically as it is common human concept of respect to help others. 

This account is indicating " closed '' it is PAID IN FULL and the company made a profit on my loan! I have attached a photo of my account which indicates that I am a customer in GOOD STANDING! You can see in the lower right hand corner the date is today! 

This negative criteria is creating consumer harm and vetting for job and college loans.
Consumer complaint received 2019-10-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I have hired a law firm to handle the illegal foreclosure that Wells Fargo is attempting. Wells Fargo is attempting to foreclose on a property and is intentionally delaying providing me, the executrix, with the information that I need to sell the property. Wells Fargo has attorneys at this time that are very well aware that I have the legal authority to sell the property. They recently sent a letter demanding information from me that is not required for them to know. This is an intentional delay, which is a bad faith delay. Wells Fargo owes the estate {$12000.00}. I have demanded that they show their " careful '' research in their denial by showing me the calculation from which the error came from. Wells Fargo has refused. Wells Fargo is justifying this by stating this is proprietary information. It is illegal to foreclose on a home when it can not be shown by the actual calculation that I am demanding. Since they are denying the calculation, it stands that the home can not be foreclosed upon. I am in the process of selling the home and have asked for a payoff amount. Wells Fargo is delaying the process and refusing to communicate with me.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

On XX/XX/2019, I called XXXX XXXX XXXX XXXX at XXXX at XXXX XXXX to get my free annual credit report from Equifax . I was assured that such report would be delivered to my home address within 15 days. To date ( XX/XX/2019 ), I did not receive such report. I am entitled to get a free report once a year from Equifax. I urge you to contact Equifax on my behalf and compel them to release my credit report. 
Thank you for your help.
Consumer complaint received 2019-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NY)

AFTER OBTAINING MY CREDIT REPORT I NOTICED ENHANCED RECOVERY COMPANY PLACE AN COLLECTIONS ACCOUNT ONTO MY CREDIT REPORT ON XX/XX/XXXX WHICH I HAVE NO IDEA ABOUT I SINGED UP FOR XXXX TO HELP ME GET THIS COLLECTIONS OFF MY REPORT THE DISPUTE DATE IS XX/XX/XXXX I NEVER HEARD FROM THEM AND THIS ACCOUNT IS STILL BEING REPORTED ON MY CREDIT REPORT
Consumer complaint received 2019-04-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: BCA Financial Services, Inc. (NJ)

My debt account with a hospital has recently ( XX/XX/2019 ) been moved to a different debt collection Agency. I continue to receive threatening phone calls from BCA Financial demanding that I state my name, social security number, and demanding that I pay the balance of my debt in full over the phone by credit card or bank account number. My account is no longer with this company, BCA, which BCA confirmed when I called them again. BCA has no record of this phone call that was made to me on Thursday XX/XX/2019. Someone is calling me and claiming to be BCA.
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Synovus Bank (IL)

Somebody tried to put a credit card in my name I did not apply for the credit card and it is now on my credit bureau and affecting my credit score it is called first progress and several other credit companies have inquired about my credit and I did not authorize this to happen