davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

My loan balances remain at {$0.00}, but not reflected on the credit agencies. Despite multiple attempts, XXXX has not updated my credit report since XXXX XXXXXX/XX/year>. Despite providing evidence and submitting disputes with the credit agencies, XXXX reaffirm the reported balances to each agency. The mortgage letter I submitted as evidence did not have the desired impact. When contacting XXXX about the balances, who confirmed with me a XXXX balance, I was also informed that balances are updated monthly, despite the evidence to the contrary. I requested a copy of the information used to justify the reported balance with the credit agencies, which they are required to provide, but was only directed to download my mortgage letter and provided with no further details or timeline for the update.The mortgage letter provided no benefit in advancing my case, The credit agencies did not take that evidence into serious consideration when they should have as it is a document from the lender.
Consumer complaint received 2023-12-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (AZ)

XXXX XXXX XXXX XXXX Account Number : XXXX Case ID : XXXX and XXXX Debt Collector Sunrise Credit Services Inc . 
Account : XXXX -As of today Back in XXXX, XXXX XXXX had a data breach, where my identity was stolen. When we were notified of that I froze my credit in Late XXXX. Account with XXXX XXXX XXXX was fraudulently open in early XXXX. At that time I contact XXXX XXXX XXXX who could not confirm if that account was real. A couple months later I start to get text message saying I owe them close to {$1700.00}. Called back then and they confirmed the account existed and told them it was fraud ; They would not provide and details of the account to me. After filling out their affidavit and an FCC complaint I hear nothing back from them, That was submitted in XXXX. There was no contact from XXXX XXXX XXXX after that time. I receive another text message from a debt collector on XX/XX/XXXX saying I owe the approximately XXXX. After contacting XXXX XXXX XXXX customer service again and emailing them they are refusing to speak to me about this issue anymore.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BRite Financial Services, Inc. (NV)

This is an inaccurate information on my credit file, it shouldn't be reported any more, besides they are reporting this account whit a different account number. 
Brite financial services Acc # XXXX reporting on bureaus.
Consumer complaint received 2023-05-02
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

URGENT!!! NEED HELP ASAP!!! ( Supposed to close loan on XX/XX/XXXX ) I 'm more than happy to provide more information upon request. When I purchased my home, I financed with XXXX. That loan was sold to XXXX XXXX XXXX, where I had a few loan modifications over the years. The loan was then sold to Carrington mortgage services. Carrington is now saying I owe $ XXXX more than what I actually owe, and they will not provide documentation or research the issue in a timely manner. I am aware that I owe the deferred amount from the loan modifications on my loan, however they are saying I owe the modification pay-off twice over. We are supposed to close on the house sale on XX/XX/XXXX. We have been trying to get this resolved for nearly 4 weeks, with absolutely zero response. We have been asked to contact Carrington 's  research department via Fax, but are also getting no response. I am desperate for an answer by XX/XX/XXXX.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I filed for Chapter XXXX bankruptcy in XX/XX/2011. When I filed XXXX XXXX was the loan servicer/administrator. Equifax and XXXX  credit bureaus are still reporting those accts, 13 years later, as CLOSED with XXXX, instead of XXXX XXXX, as the servicer. Moreover, both are also reporting the SAME 4 accts as OPEN accounts. I did some research to try and find out how long can bankruptcies remain on your credit report ; everything I found stated Chapter XXXX bankruptcy remains on your credit report for 7 years. Both bureaus have the same information listed on their websites, and it is also listed on FICO.com. However, neither has removed the accounts. This seems to be double reporting to me, reporting the same account opened and closed. I have had financial management issues in the past that I am not proud of, but I am trying to re-establish my credit. The time-barred regulation seems to apply to this situation, but I do not know if it applies to Federal Student Loans.
Consumer complaint received 2019-06-20
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. (AL)

Each time I call XXXX and TransUnion and dispute an item or send them a letter asking them to provide me specific documents verifying my account, they lower my credit score. I have paid all my bill on time and even paid nearly {$8000.00} on one account in XX/XX/XXXX. My credit score should be increasing rather than decreasing. I have approached both agencies about this and they can not give me an answer. I am on the phone hours at a time trying to resolve the problem with my credit score and they are refusing to fix the problem. I did not have any negative reporting to make my credit score go down as low as it has. I have attempted to resolve this problem with both credit agencies and they have failed to attempt to make things whole and right in the matter. The agencies can not even tell me what caused my credit score to go down.
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On Monday, XX/XX/2023 a payment of {$1000.00} was made to begin an agreement to dismiss a case in XXXX XXXX and unfreeze my bank account. The money was immediately withdrawn from my father XXXX XXXX 's account and I was told the case would be dismissed. I was told it would take three business days for the payment to clear and the case to be dismissed. 

XXXXXXXX XXXX XXXXXXXX XXXX did not file a dismissal in XXXX XXXX in a timely manner as retaliation for my previous complaints with the CFPB. My bank account with XXXX XXXX remains frozen as of today on XX/XX/2023. I contacted XXXXXXXX XXXX XXXXXXXX last week on Wednesday XX/XX/2023 and was told that the dismissal had just been filed and that XXXX  XXXX had been sent a letter of dismissal on Tuesday, XX/XX/2023 via US mail. I received this update after I called three times to try to reach someone at XXXXXXXX XXXX XXXXXXXX and received voicemail prompts. They made it difficult to even receive an update on anything. I was told that I could call back with a fax number for XXXX XXXX where they would send a fax to notify XXXX XXXX of the dismissal. 

I provided a fax number for the XXXX XXXX XXXX department and was told by XXXXXXXX XXXX  XXXX on a recorded phone call on Wednesday, XX/XX/2023 that they would send a fax to XXXX  XXXX to have my bank account unfrozen. As of XX/XX/2023 this has not occurred. XXXX XXXX  XXXX has retaliated against me with actions to not allow me access to my bank account with XXXX XXXX more than a week after a case dismissal in the city of XXXX. This is the second case dismissal for this action. Once in XXXX XXXX and once in the city of XXXX. 

There should be fines and legal action brought against XXXX XXXX  XXXX for this retaliation. This is illegal conduct and they do not have the legal right to operate in this manner.
Consumer complaint received 2023-04-28
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. (OH)

I have no knowledge of the account from XXXX XXXX Acct # XXXX. Under section Section 1604 15 US Code 1681 B, you do NOT have the right to report anything on my credit report without my written consent. Under FCRA rules you MUST DELETE this item from my report.
Consumer complaint received 2019-06-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TX)

Dealing with XXXXAES, I can not access links or pages to apply for Income Based Repayment. There process has been to stonewall all of my attempts since  XXXX 2018. This has caused my loans to go into default and my credit score has take a severe dive.
Consumer complaint received 2019-06-20
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CT)

I have a commercial loan with Bayview Loan Servicing but no escrow account with them. I have been paying my own real estate taxes, commercial insurance and flood insurance for many years. On XX/XX/2019, Bayview went into the XXXX, CT public records and upon seeing my real estate taxes were not paid yet, and they are due by XX/XX/XXXX, decided to make my payment for 6 months of {$5200.00}. What they did not know was I paid by company check to the town of XXXX, CT the amount due. I called Bayview many, many times and explained to them their mistake but they did not care, in spite of showing them, the public records are current. The tax collector in XXXX, CT verified they received Bayview 's check and since I was current, sent back the check to Bayview. Bayview then proceeded to post my regular monthly mortgage payment as {$2500.00} PLUS an additional {$5200.00} as a total due monthly of {$7700.00}. Since I did not pay the erroneous escrow of {$5200.00} back to them and while they were waiting to get the check back from XXXX, Ct, they posted to all 3 credit bureaus I owed them a monthly payment of {$7700.00} in XX/XX/2019 and continued to post I owed them a monthly payment of {$7700.00} in XXXX, XXXX, XX/XX/2019. I called Bayview many times each month but they did not want to hear anything from me. I complained to you and still have not received an answer back from the US government except that instead of 30 days to resolve, it is now 60 days to resolve which ends up by the end of XXXX, rather than the end of XX/XX/2019. I also complained to the 3 credit bureaus. XXXX never responded to me, XXXX said my Bayview account was deleted, from their profile of me and XXXX sent back a resolution to me that is totally NOT acceptable to me. In XX/XX/2019, they now show my monthly payment is not {$7700.00} but {$2500.00}. BUT, why do the months of XXXX, XXXX, XXXX and XXXX still show my monthly payment was {$7700.00} but is erroneous reporting of my profile? This is not true and I want it removed immediately, NOT 3 or 4 months later. Their erroneous reporting of my profile has caused me to be turned down by XXXX XXXX for a refinance of a residential property I was doing while this was going on. XXXX XXXX  told me they turned down my application because my monthly payment of {$7700.00} monthly to Bayview was way too high for me to afford a refinance. Bayview 's erroneous payment of my real estate taxes and subsequent denial of responsibility has hurt me financially and I am still waiting for the CFPB to help me out in this matter.
Consumer complaint received 2023-07-31
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. (SC)

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$17000.00}
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (GA)

I couldnt find a category that bests fits the situation, I have included details : The same debt is reporting on my credit report twice. 

There are two entries as detailed below. 
the original creditor is XXXX in the amount of {$300.00}. 

XXXX sold the debt to Convergent Outsourcing to collect. 
I did take a ding for this on my credit. 

Additionally, XXXX XXXX is now reporting on the same debt, which I took a second hit for on my credit. 

I did speak with both to ensure this is the same debt from the XXXX. 

It is my understanding that a debt collector must delete their reported collection if their collection authority has been terminated with the debt remaining unpaid.
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Home Credit Corp. Inc. (SC)

Someone use my identity two years ago to get a car they checked XXXX financial place to be approved I guess home credit was the one to approve them they got the car and now they continually contacting me to pay the bill when I pay for all my car cash and used I contacted the credit bureaus about theses list of inquiries before I got ask XXXX??? But they were never took off r handle when I contacted the place about it they sent me a letter saying the car was sold at a private sale but what that has to do with my identity being use without my approval
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I filed a dispute with the credit reporting agencies in regard to inaccurate information reporting to my credit reports. I never received any notifications in regard to the investigation results. It now has been 30 days since I filed a 30-day demand to comply with the credit bureaus and still have yet to receive any responses.
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX Please DELETE.
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$17.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$90.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XX/XX/2022.
Consumer complaint received 2016-04-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TN)

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never enter into a contractual agreement with this company and neither have they ever provided me with goods or services.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Continuously contacting Credit Bureau regarding erroneously reporting information* on my credit report which they are knowingly and willingly refusing to remove. 

EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX/XXXX  Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2020 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 checked 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 2020-09-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Vehicle was purchased from XXXX XXXX XXXX. The loan was through Credit Acceptance. This vehicle had issues from the very first day of purchase. Was pulled over minutes after purchase for not having working tail lights. After taking the vehicle back to have it fixed the mechanics wrecked the vehicle and busted a tail light out and didnt say anything. After noticing it we had to contact them to watch video footage and talking to the staff to find out what happened. The engine went completely out after that and I had to have the vehicle towed to the dealership. I spoke with XXXX directly and he asked me to call the lender and get a payoff amount to payoff the loan and email it to him. I gave him the amount over the phone and he asked me to also email it and he would handle it. I did several times and called several times after and he has never responded since then. He has ignored all calls and emails since. However the debt remains on my credit report. I was told that by the company that it was going to be paid off and would be removed. It is still on my credit as a negative item.