davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
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. (IL)

Account # XXXX - XXXX XXXX XXXX - On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. Initially, XXXX contacted Equifax, but a balance was reflected when it should have {$0.00}. I contacted Equifax on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX XXXX XXXX and the XXXX XXXX reflecting that the amount was taken from my checking account. The balance was reduced to {$0.00}, but the letter reflects Paid In Full. With the documentation I mailed in, Equifax should have updated the Account Status to Closed as well. I called Equifax on XX/XX/XXXX and opened up a second dispute. I would like for Equifax to remove the tradeline. If they are unable to, I would like for Equifax to report that this account has been settled, paid, and closed. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the settlement letter from XXXX XXXX XXXX, the XXXX XXXX reflecting that the amount was taken from my checking account, USPS Receipt regarding the mailing of documents, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica (OR)

On XX/XX/2022 at XXXX I went to the ATM to withdraw my funds from my Direct Express Card that I receive SSD benefits on. My card was expired at the end of that day. 
I didn't realize it till then. 
I quickly tried calling Direct Express, and thru the automated system was informed I had been sent a new card on XX/XX/2022. I never received another card! 
On XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX of XXXX  I have tried to get customer service to help me over the phone 102 times, only to be hung up on by the automated system! 
All the money I have is on that card and apparently there isn't any live agents to speak with.
Consumer complaint received 2020-07-06
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. (AZ)

XX/XX/XXXX a letter was written to TransUnion regarding a creditor reporting a debt that was included in a bankruptcy in XX/XX/XXXX. That letter received no response after 30 days so another letter was submitted in XX/XX/XXXX to TransUnion following up from the XXXX letter that was mailed in XXXX. No response as of yet. Due to this creditor reporting this inaccurate it is damaging my credit even more because of the inaccuracy.
Consumer complaint received 2022-04-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

An account was fraudulently opened in XX/XX/2021, in my name, from XXXX XXXX XXXX XXXX TX. The amount accrued is {$11000.00}. The account is for a rental house in Texas, where I don't live. After receiving no payment, the debt went to collections and then placed on my credit file. I am in the process of filing a police report and having this situation resolved.
Consumer complaint received 2020-11-21
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2017-12-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I wired via XXXX XXXX euros to Coinbase on the XX/XX/XXXX17 from XXXX All account details were correct. I have now sent Coinbase 4 messages to either have the fund created my coinbase account and more latterly to have them returned to XXXX. I have not recieved a response from Coinbase. Funds are usual created within 3 days - this transaction has now taken 8 days. I would very appreciate your help to have the funds returned to XXXX as soon as possible.
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My mortgage was transferred to NewRez. When the loan was transferred it included an escrow account for taxes and insurance, which I am still paying into. I recently received notification that they did not have proof of my homeowners insurance and when I called to verify, was told that neither my insurance or property taxes were to be paid from the escrow account. I must now deal with a loan servicing department, which can not be reached by phone, to send a formal request for them to pay for my insurance and taxes out of that escrow account. Additionally, the customer service people I spoke to were from a company called " XXXX '', which is not the name on my mortgage statements. This all seems shady and I have no recourse since I can not choose who services my loan. I feel like I am being scammed into overpaying for homeowners insurance.
Consumer complaint received 2021-02-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

Several times over the past approximately 5 years navient has texted me statements saying that I can easily take care of my problem with a forbearance by just clicking yes here or typing yes here and sending it back to them. Made it seem like this was a very simple fix and did not at the time specifically offer income-based repayment plan. Feel like they purposely made it very easy to just type in yes send it back for forbearance which causes my payments in the end to increase over interest still necessary to pay during the forbearance.
Consumer complaint received 2021-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NC)

I HAVE BEEN MAKING MY PAYMENT EVERY MONTH ALSO HAVE MADE PAYMENT 0F XXXX AND XXXX IN 2018 THAT THEY CLAIM I OWE REGARDLESS OF WHAT I PAY THE LOAN AMOUNT DO NOT DECREES AND PAYMENT DUE ALWAYS INCREASE AND THEY TRYING TO REPO MY CAR LOAN WAS XX/XX/2018 PAYMENT WAS XXXX MONTH I HAVE CONTACT THEM ASK THEM TO CORRECT THE PROBLEM AND A EXPLANATION
Consumer complaint received 2020-11-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC (FL)

Went to instaloan on XX/XX/XXXX with my XXXX XXXX XXXX to obtain a XXXX $ loan, was approved and given a debit card for the funds, after paying back approximately XXXX $ towards the loan, I borrowed XXXX $ and they started my payments again at XXXX $ a month for a year, spoken with instaloan to see where my XXXX $ went, and they will not send me a print out of my history, they just want to repossess my truck, which by the way is not running, based on another complaint I have with you, Thanks for any help you can do.XXXX XXXX
Consumer complaint received 2019-11-15
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: GRANITE STATE MANAGEMENT & RESOURCES (KY)

I moved from XXXX to XXXX  early 2019. I notified Granite of address change. I was never alerted to payment issue. Once I saw the 90 day late payment, I disputed through the credit bureaus and directly to Granite. XXXX  moved the 90 day late payment from XX/XX/2019 to XX/XX/2019. But the status date has never changed? Did a reasonable investigation really happen? And a remark of consumer dispute this account should have reported after the direct furnisher dispute. 

Plus Granite never mailed me their process of re-investigation of a dispute like the credit laws allow me to receive.
Consumer complaint received 2019-08-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (IN)

I closed on my house today ( XX/XX/2019 ). 90 minutes before closing, I was told that I had an existing loan on the property I was selling for an additional {$31000.00}. The title company did not send over the ALTA documents until 90 minutes before closing. My net proceeds were reduced to {$5500.00} from {$36000.00}. I have an apartment complex that I was supposed to move into. Was told that if I didnt close on the house I would be sued and have to pay court costs and attorney fees. Then was told how the other people had just closed on their house and would be homeless unless I closed. Now I am homeless and was swindled out of my house. The title company delayed sending the ALTA and disclosed that there was a second loan on the property. I also contacted my mortgage company for a payoff amount and they did not inform me of this second loan. They told me and sent documentation stating I only owed {$100000.00}. I feel wronged and had my mortgage company disclosed that there was an existing second loan, I would not have listed my property in the first place for sale. I was told that there was no second mortgage or loan on the property. I lost everything today. And I feel that there was information not disclosed to me about what I actually owed on my property.
Consumer complaint received 2023-01-21
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. (WA)

In XXXX of XXXX due to my now ex-husbands failed business, we filed joint bankruptcy. Since bankruptcy as an individual is not an option when you are married, I had to file as well. 

In XXXX of XXXX, while in the middle of getting a divorce, I petitioned the court to be removed from the bankruptcy. I was granted a Voluntary Dismissal from the CASE in XXXX of XXXX, so that he could proceed on his own. While applying for a mortgage in XXXX, it was brought to my attention that a Bankruptcy Dismissal was reflected on my credit. HE asked to have the CASE dismissed in XXXX. The order from the judge usages the language of *his* case and *him* only. 

A dismissed party means that the I am not a part of the bankruptcy case and should not be affected by anything that happens in the case after I was dismissed from it. I called and spoke to the judges chambers, XX/XX/XXXX, and my understanding is correct. I was dismissed from the case, and therefore the case dismissal itself should not be affecting me. 

I have disputed this several times, reporting that there are multiple errors. It comes back verified as accurate every time. It in fact is not and has no less than XXXX errors.
Consumer complaint received 2022-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reached out to Transunion & was informed that they were deleting the fraudulent inquiries within 24 hours however they are still on my credit report.
Consumer complaint received 2019-11-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Specialized Loan Servicing Holdings LLC (CO)

Specialized Loan Servicing is threatening foreclosure on my property and saying that I need to sell and pay them {$42000.00} in late fees. The original loan was discharged in bankruptcy over 10 years ago and was for {$37000.00}. They repurchased the debt and put a lien on the property for the second mortgage. Last year in 2018 when I called and asked them about the letters that they were sending they told me " You don't have to do anything, and that when I sell the property whether it be in 1 year or 10 years the debt of {$37000.00} would be paid off at closing ''. Now a year later, because there is equity in the property they are threatening foreclosure and saying that with penalties I owe them over {$95000.00}. I am trying to work with them and set up a payment plan for the original loan because I am wanting to stay in my primary residence. With the help of legal advice and HUD we are asking them to give an itemized detail of why the late charges are more than the original loan. Also, have a copy of the original HELOC contract and no reference of late fee charges are listed. Again, I am willing to set up a payment plan with them so I can keep my primary residence.
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (OK)

I have purchased prepaid cards from XXXX Visa. ( XXXX ) I have contacted XXXX by phone at XXXX and have faxed disputes to XXXX, twice each. 
Twice purchased and twice the card numbers have been hacked and balance of card has been used for unauthorized internet purchases. 

Card # 1 balance of {$150.00} was used for unauthorized purchases to XXXX XXXX  on XX/XX/19 {$67.00} XXXX XXXX on XX/XX/19 - 2 transactions, {$57.00} and {$32.00} Card # 2 balance of {$130.00} was used for unauthorized purchases to XXXX  XXXX  XX/XX/19 {$130.00} after reading XXXX complaints on this company, there are many other victims to XXXX prepaid cards. It is my idea that XXXX has inside hackers and I want their cards pulled off the shelves until they get their security under control. 

My Status : two weeks plus since first reported unauthorized use of cards. XXXX   keeps saying '' we havent '' received the dispute documents. 

I took it upon myself to call vendors that hacker used. XXXX XXXX on XX/XX/19 was able to return the {$67.00} to my card. However, XXXX has put a hold on the card ( which had also a {$.00} balance left on it ) until " they receive dispute documents ''. 

not happy with XXXX and will not be using ever again.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Credit card company continues to decrease my credit limit while I'm not using my cards but paying them down. I'm 100 % on time with all of my creditors. I made a larger payment on both of my citi bank cards and a couple days later my limit was decreased for the 2nd time. This is unfair to decrease individuals who are being responsible and not using their credit. It makes it look like one has maxed out their cards when they haven't. It's covid19 and people are struggling but decreasing ones limit damages their credit score. I still have my job and making on-time payments. I do not want this to damage my good credit.
Consumer complaint received 2021-05-04
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. (TX)

Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.
Consumer complaint received 2019-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpha Recovery Corp (OH)

I get a call on my desk line every few days from XXXX with a recorded message for " XXXX XXXX ''. No one by that name works with our company, nor do I have any idea who this person is. I emailed the company to ask them to stop calling and leaving messages, but the email bounced back.
Consumer complaint received 2019-08-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (VA)

I paid a third party ( really, fourth party - a fake law office ) which is somehow connected to National Credit Systems. In a recorded phone call, I reiterated back before giving consent to charge my credit card, that this would include the deletion of the debt. The agent said it would include the deletion of the debt. Prior experience is that debt deletion isn't difficult. You just tell the credit bureaus to remove it and they do. So after being told " I missed the cut off date '' for XXXX, I waited. 3 weeks later it's still on my credit. Since National Credit Systems doesn't feel like honoring their obligation, I no longer feel like honoring mine and I have requested a chargeback from my credit card company. This company is a scam. They should not be allowed to operate in any capacity.
Consumer complaint received 2022-04-02
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. (GA)

On XX/XX/2022 I sent TransUnion a letter asking that they verify an account on my report and remove inquiries that do not belong to me. I asked that they give physical proof to verify that the accounts belong to me. I also explained that there were unauthorized inquiries on my account as well and they have not responded with proper documentation. On XX/XX/2022 and XX/XX/2022, contacted them about unauthorized inquiries and the company has failed to do so without valid documentation or proof that the accounts belong to me. These are faulty credit reporting practices and I feel this is abuse to me as a consumer. The company will not give any documentation but insists on reporting incomplete and inaccurate information on my behalf.
Consumer complaint received 2019-08-12
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. (NC)

I sent in all required documents by mail to the three credit bureaus in XX/XX/2019. They have failed to respond with in the stated requirements of the fair credit reporting act section 605b. I am a victim of identity theft and in desperate need of these items being removed from my report.
Consumer complaint received 2019-08-12
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. (NC)

I sent in all required documents by mail to the three credit bureaus in XX/XX/2019. They have failed to respond with in the stated requirements of the fair credit reporting act section 605b. I am a victim of identity theft and in desperate need of these items being removed from my report.
Consumer complaint received 2019-08-12
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. (NC)

I sent in all required documents by mail to the three credit bureaus in XX/XX/2019. They have failed to respond with in the stated requirements of the fair credit reporting act section 605b. I am a victim of identity theft and in desperate need of these items being removed from my report.
Consumer complaint received 2019-08-12
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. (MO)

XXXX Card : XXXX XXXX inquiry not mine XXXX Card : XX/XX/XXXX inquiry not mine XXXX XXXX   XX/XX/XXXX inquiry not authorized XXXX XXXX XX/XX/XXXX inquiry not authorized XXXX XXXX XX/XX/XXXX inquiry not authorized. Sales person pulled without my consent XXXX XXXX XXXX XX/XX/XXXX inquiry not mine XXXX XXXX XX/XX/XXXX pulled a 2nd inquiry in error. 

XXXX on XX/XX/XXXX inquiry not mine
Consumer complaint received 2022-04-02
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: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX is still reporting negative remarks on my credit report. I have contacted XXXX, I have contacted Experian. I still have the same results. That account is in litigation due to predatory lending and this account needs to be removed.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

This is the 3 time I have complained about inaccurate information on my credit file. I have several things on my credit file that need to be addressed ASAP!! I have a very common name and there has to be several XXXX XXXX in the Ohio area however my name is not XXXX XXXX! My name is XXXX XXXX MY DOB IS XXXX MY SS IS XXXX. I WOULD LIKE A FREEZE PLACED ON ALL MY INFORMATION AND A NEW REPORT SENT OUT ASAP. MY FILE IS BEING CONFUSED WITH SOMEONE ELSE THAT IS NOT ME! PLEASE DELETE THE FOLLOWING ADDRESSES XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. THEY ARE NOT ACCURATE. PLEASE REMOVE ANY VARIATIONS AND MISSPELLINGS OF MY NAME.
Consumer complaint received 2019-08-12
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. (DE)

XXXX XXXX XXXX AKA XXXX..partial account number XXXX ) is a medical collection that does not belong to me. This is a medical procedure for a family member where I did NOT sign a financial responsibility agreement. The provider and collection agency placed it on my file in error. I disputed this with the credit bureau and they left it on my file.