davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted transunion and XXXX  about an account listed by XXXX XXXX XXXX. 
XXXX XXXX XXXX Potentially Negative XXXX XXXX XXXX XXXX Debt Buyer Responsibility Individual Balance {$1200.00} Account Name Account Number Account Type Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$1200.00} {$0.00} 1 Months Date Opened XX/XX/XXXX Status Collection account Payment History {$1200.00} past due as of XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX This account has been reaged. I have disputed this reports 3 times. Each time they allow the collection agency to falsely report their accuracy. The account they claim to be collecting is so old it does not appear on my credit report. This is a fair indicator of an issue. The opening date of this account is listed as XX/XX/XXXX. If that were so the XXXX  would show on my credit report. I asked Transunion for the original date of delinquency and they told me that is did not matter. If the original account is so old it is no longer on my report than the collection account has to have been reaged. 

The same situation exists with The Bureuas THE BUREAUS # XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX ( XXXX ) XXXX XXXX Placed for collection : Responsibility : Account Type : Loan Type : XX/XX/XXXX Individual Account Open Account COLLECTION AGENCY/ATTORNEY Balance : Date Updated : Original Amount : Original Creditor : XXXX XXXX Past Due : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX
Consumer complaint received 2020-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I Ordered a hoodie that ended up being {$99.00} with shipping and tax after ordering it I conformation email from XXXX confirming my order # XXXX or the hoodie I wanted. I then recived an email that my order was being perpared and would be shipping soon. Once the package arrived at my door I discovered it was not the hooide I ordered and they didnt sen me it becuase of a " Website Malfunction ''. I was never given the oppurtunity to cancel or opt out of my order becuase I woul dbe reciving something I didnt order, or want. I then contacted the merchant to see if they could do anything but they informed me that they didnt do refunds or exchanges. I feel like this is wring because I ordered something, got a conformation of that product, was then shipped another product without the chacne to opt out of my order, then was told that they couldnt do anyhting. The hooide was {$85.00} before tax and shipping.
Consumer complaint received 2019-09-26
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: SUNRISE CREDIT SERVICES, INC (PA)

Sunrise Credit Service Reported a collection on my credit report for an XXXX XXXX XXXX mobility account that XXXX XXXX XXXX  has no record of. I called XXXX XXXX XXXX on the matter and they have no record of the account. I have records that show I paid my XXXX XXXX XXXX mobility bill in full every month from XX/XX/2018 when I opened the account until today. I have no knowledge of this account.
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

This car was stolen on XX/XX/17 and the insurance company was in the middle of sending Capital One there money to pay this car off. The car was gone for over thirty days and I got another car. This needs to be remove a negative payments.
Consumer complaint received 2021-08-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I had a Student Loan Discharged, by : Nelnet, in : XX/XX/2020, for almost {$74000.00} and I haven't received XXXX XXXX of it, in my Mailbox, here in : XXXX, CA Why is that?
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX is reporting on a debt I do not owe. I was forced to return this vehicle due to not qualifying for financing. I took that back and they didn't give me back the car I had originally had traded in. This should have been adjusted as I do not owe this debt and it never a repossession. They are in violation of reporting incorrect information on my credit file.
Consumer complaint received 2022-04-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2021-05-06
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. ()

We refinanced our mortgage with XXXX  ( who previously held our mortgage ) XX/XX/XXXX payment was made and lost in XXXX, Electronic payments for XX/XX/XXXX were attempted several times over the phone ( from XXXX ) and there was an issue on XXXXXXXX XXXX  end, we asked our bank XXXX XXXX XXXX to send a physical check to Amerihome for XX/XX/XXXX and this was cashed on XX/XX/XXXX, technically 30 days past due for XXXX would have been on XX/XX/XXXX. XX/XX/XXXX was paid electronically on XX/XX/XXXX. Payment for XX/XX/XXXX would be past due if paid after XX/XX/XXXX and 30 days past due on XX/XX/XXXX. Both XXXX & XXXX XXXX would like the derogatory remarks removed from all 3 credit bureaus as soon as possible. Documentation will be provided
Consumer complaint received 2020-01-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

There 3 accounts on my report that show dispute and i have advised the bureau several times that the company informed me that the accounts are out of dispute, however the dispute still shows on my credit report. I asked the credit bureaus to remove the dispute and they keep telling me it is, but it still shows. i would like the disputes to be removed since i never requested a dispute and the companies keep telling me that it is in dispute.
Consumer complaint received 2018-02-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLAZA HOME MORTGAGE, INC. (MS)

On XX/XX/XXXX Plaza Home Mortgage took XXXX out of our escrow account and paid themselves XXXX on XX/XX/XXXX. 

Then XX/XX/XXXX the loan was released with a negative escrow of XXXX to XXXX XXXX XXXX. In the month of XXXX our mortgage payment went from XXXX to XXXX which put me and my family in a tight spot. 

We refinanced our house to pull funds out of equity to pay off other debts so we could afford this new house note our starting principal was XXXX and our now principal is XXXX. 

We also had the hardest time paying off my loan care because they rejected the pay off amounts 4 times once I did a conference call with the lady from title source they put us on hold and hung the phone up in my face. They said the reason for rejecting the payment because it was not the full amount and the lady from title source said that is not the case so after they hung up the phone it left me with no other option but to pay XXXX to meet the new pay off amount with hopes of them closing out the loan so I wont have two mortages open at the same time.
Consumer complaint received 2021-11-09
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, XXXX XXXX XXXX, is reporting late, yet it is open and the balance is {$8900.00} as reported. Lets fix this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update this complaints.
Consumer complaint received 2019-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: MoneyLion Inc. (TX)

This has taken place over XXXX to XX/XX/2019. Moneylion touts savings for consumers and free atms. I have always been charged fees. {$2.00} every time I use my atm. They have no bank branches. Customer service always busy. Emails to support 2 never answered. Bank sends account balance errors with wrong amount. I feel they owe me {$120.00} dollars in fees. I want my free atms and refund then I will close this account.what they represented is not true for consumers.
Consumer complaint received 2020-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

There are five unauthorized inquiries on my credit file from XXXX. I have contacted the company in the past to inform them about the matter but I never get a response. I have no business with company and they shouldnt be accessing my credit file.
Consumer complaint received 2022-04-29
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: CrossCountry Mortgage LLC (OH)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B ; A creditor may not treat a repayment on a credit card account under an end consumer credit plan as late for any purpose
Consumer complaint received 2018-02-08
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. (NY)

THE INFORMATION SHOWED UP ON 3 OF MY CREDIT REPORT FROM XXXX XXXX   AND I WAS ABLE TO MOVE FROM XXXX like around XX/XX/XXXX AND AFTER SEVERAL MONTHS I TRIED TO WORK EXPERIAN IN XX/XX/XXXX AND I ASKED TO FILE A DISPUTE AND I WAS GIVEN A REPORT FROM experian and THEY SAID THEY IN COTRACT WITH XXXX XXXX AND THEY SAID IT WAS MINES. SO ON XX/XX/XXXX AT XXXX XXXX I CALLED THERE OFFICE AT XXXX AND THE ACCOUNT # XXXX AND I WAS TOLD IT WAS FROM XXXX XXXX OF XXXX IN FLORIDA AND I TOLD ITS NOT MY AMOUNT I HAVE NOT HAD DENTAL WORK IN FLORIDA AT ALL. IN XX/XX/XXXX MY DAUGHTER XXXX XXXX XXXX XXXX XXXX IN XXXX, N.Y. AND FROM XX/XX/XXXX UNTIL XX/XX/XXXX I WAS TRAVELING FROM XXXX, N.Y. TO FAMILY COURT IN XXXX, N.Y. SO I WAS HOME TRYING TO FIX THESE HARD TIMES. AND I SAID TO THEM THE ONLY FROM IN XXXX, FL. IS MY WHO IS XXXX YEARS OLD AND MY SISTER WHO WATCHING OVER. I KNOW AFTER THING BACK I REMEMBER MY WHO IS XXXX XXXX XXXX WHO LIVES IN THAT AREA WHO TOOK MY XXXX XXXX I.D . IN XX/XX/XXXX WHEN I WAS IN XXXX, N. Y. SO THE DEPT. OF SOCIAL SERVICE TOLD I WAS RECIVING XXXX XXXX IN FLORIDA AND I SAID NO AND I HAD TO THEM HIS NAME AND ADDRESS AND I WAS CLEARED OF ALL CHARGES! SO I TRIED TO EXPLAIN THIS XXXX XXXX THEY COULDN'T HELP ME CAUSE THEY ONLY COLLECT MONEY. SO I SAID I CAN'T PAID SOMETHING I DON'T OWE AND I DON'T KNOW ANYTHING ABOUT THOSE CHARGES AND WANTED TO PAY THEM FIRST AND THEN DO IDENTITY THEFT OR HE ME TO GO TO THE POLICE DEPARTMENT BUT, I LIVE IN XXXX AND NOT XXXX, FLA. AND THE INFORMATION ON MY CREDIT REPORT IS DIFFERENT FROM WHAT THEM TOLD ME THE AMOUNT IS {$420.00} DATE STARTED ON XX/XX/XXXX AND IN REPORT IT'S {$470.00} AND STARTED ON XX/XX/XXXX! PLEASE HELP ME I AM TRYING TO FIX THESE ITEMS IT'S HARD GET HELP.
Consumer complaint received 2022-01-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (MD)

I called LendingClub today to attempt to change my due as to avoid being internally late. The company agreed to change my due date but then proceeded to tell me that I would have to pay two payments for one mother because its their guidelines and if Im late 28 days or more they would report it to my credit report. This is against FCRA guidelines since they cant report until account is 31 days delinquent. Im aware lending club already violated FTC guidelines but I feel as though they are continuing to violate consumers FCRA rights.
Consumer complaint received 2019-08-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ovation Financial Services, LLC (TX)

My Mother Passed XX/XX/2018 not knowing all of her affairs right away, the grief was overwhelming being an only child. when I was able to think and function I realized there was a loan on the House. I immediately contacted Ovation loans to get the ball rolling to have the loan transferred to my name. By XX/XX/2018 I had emailed them all the paper work they requested along with my check stubs and her death certificate and the documents they asked that I fill out.

To this date they have did nothing to have the loan transferred to me, I emailed them several time for the status of my case but they just keep asking for the same information nice that I've already sent. sometime in XX/XX/XXXX or XX/XX/XXXX my Uncle and I called to pay the loan off in full they refused to give us a payoff and wanted to add more fees and interest to the pay off, so intern we just paid XXXX in which they took half XXXX for interest XXXX for other fees and gave me only XXXX towards the principal. With no regard for the loss of my mother they have stalled to make the interest and other fees go up and to make it harder for me to catch up and maintain this loan. because of their neglect on processing my paperwork and request I owe much more than I would have had they efficiently processed my request in a timely manner and considered the fact that my only delay was having to bury my mother and learning of her affairs. In the process I had the deed transferred into my name. Now all of a sudden they have their legal dept calling me, I guess to threaten me. when I diligently made a genuine effort to take care of this loan
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

IN the month of XX/XX/2022 I received a Debt Collectors letter stating that I OWE THEM money for the service I never had with them. 
On XXXX XX/XX/2022 I wrote a letter to Receivable Performance Management asking them to Validate the debt showing my ink signature that I had the debt with them. I also stated on my letter that they need to remove the collection account from my credit report if they are not able to Verify/validate the account in question. To this day, they haven't removed the incorrect information from my credit report. 
On XXXX XX/XX/2022, they mailed a copy of the statement from XXXX. No contract or any evidence showing that I received any service from this company ( XXXX  ). 

In my letter I included the following : -verification n. the declaration under oath or upon penalty of perjury that a statement or pleading is true, located at the end of a document. For example, a typical verification reads : " I declare under penalty of perjury under the laws of California, that I have read the above complaint and I know it is true of my own knowledge, except as to those things stated upon information and belief, and as to those I believe it to be true. 
- Law definition
Consumer complaint received 2021-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (IN)

Months ago, I submitted a complaint that an XXXX XXXX  had shown up on my credit report as a derogatory mark, indicating that I owed XXXX XXXX ( I don't know who this is ) {$400.00} dollars. Once I submitted the complain to CFPB the derogatory mark disappeared on my credit report, my score returned to normal, and I assumed the issue was resolved. 

However, just a week ago my credit score dropped again, this time from a derogatory mark opened by a company called RPM. I have never been contacted by any of these companies ( XXXX, XXXX, nor RPM ) regarding any outstanding debt. I have not received a call, a voicemail, nor a letter. 

This is not my debt, and I don't even know how to contact the companies because I have never been contacted by them. I have never been contacted by any creditor about an outstanding debt. Apart from this false {$400.00} claim, which I suspect is fraudulent, no accusation of debt has ever come my way.
Consumer complaint received 2018-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (OH)

I received my credit report and noticed an unverified debt lingering on my credit report. Disputed with the three major CRA 's as of YET ... to no avail. I've never done business with Franklin Collection. This unverified account has attempted to ruined my life.
Consumer complaint received 2023-01-18
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. (FL)

In XX/XX/2022, my student loans were transferred from XXXX XXXX to XXXX. It is now 6 months later and the XXXX account is still showing as open on my credit report, which is severely impacting my ability to obtain a mortgage because it doubles my debt to income ratio. I have disputed this with Experian, without results.
Consumer complaint received 2022-01-09
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: AMERICAN EXPRESS COMPANY (MD)

I ordered a set of tires from XXXX on XX/XX/2021. I tried to cancel the order and was advised to simply refuse the delivery. I followed these instructions and XXXX was to return the refused tires to XXXX. The return shipment was lost in XXXXXXXX XXXX system. I followed all steps as instructed by XXXX customer service to obtain a refund, including, per their direction, filing a credit card dispute. I did so and provided Amex with all needed documentation. 

Twice now, Amex has simply accepted XXXXXXXX XXXX statement that because they don't know where the tires are, that I am liable for the charge. This is in direct contradiction to what XXXXXXXX XXXX customer service informed me, AND what their system showed. I have email confirmation from XXXX that a refund was being processed. It never arrived, and I was instructed again by their customer service to file a credit card dispute in order for Amex to obtain the refund from XXXX. 

Again, Amex has returned saying the charge is valid, when I explicitly gave Amex written proof that a refund was owed. 

I have spent MONTHS fighting this charge, and Amex has twice sided with XXXX XXXX XXXX XXXX department.
Consumer complaint received 2021-05-06
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. (FL)

I REACHED OUT TO THE CREDIT BUREAUS AND TOLD THEM I WOULD LIKE TOO SEE PRROF OF SOME ACOUNTS THAT I WAS NOT FAMILIAR WITH.
Consumer complaint received 2019-09-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (CO)

On XX/XX/2019, I was informed by a Discover representative that my student loans were reviewed by their legal team and my loans are not eligible for deferment despite my half-time enrollment in XXXX studies. I submitted my Master Student Loan Promissory Note, originally serviced by XXXX, and explained to at least 6 different representatives the interim definition in that statement which states I shall get 10 years plus 6 months in school deferment for XXXX study, and 4 years plus 6 months for XXXX study. I am asking for XXXX study deferment, as I am in XXXX   school. Discover says, this is a misunderstanding - I can only have the XXXX deferment, and they refuse to honor this XXXX study deferment period. I offered to continue paying interest while in school, and explained I would only use 36 months of the XXXX deferment, but was still denied. I have spent at least 5 hours on the phone with Discover in  the month of XX/XX/2019, and was told there is nothing I can do to get my loans into deferment while I am in school.