davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX , XXXX. a collection agency - reported to all three credit bureau that account they had as a debt not paid was actually paid in full and requested removal of that account on XX/XX/XXXX. All three bureau still were showing the account as active and not paid by the end of XXXX so I filed a dispute. Second request for removal was sent from the collection agency by the end of XXXX as an answer to inquiries from all three bureau. After that request XXXX XXXX an XXXX  removed the above account from their credit reports in the first week of XXXX. 
EXPERIAN kept dispute going on and kept reporting the account as an active and not paid. I called XXXX XXXX again and the agency sent another request for removal on XX/XX/XXXX. After that the XXXX  XXXX account disappeared from the Experian credit around XX/XX/XXXXand my credit  score increased 60 points but on XX/XX/XXXX Experian placed the same account back on credit report as a NEW LATE PAYMENT that was paid in full and my credit score plummeted 60 points. I called XXXX XXXX again asking why the account was placed back on the credit but the representative said she did not know why and told me again that they already sent 3 request to remove the said account from the credit reports - after every time I called. 
Experian representative - XXXX denied receiving ANY requests, denied the fact that XXXX  XXXX was ever removed before it was placed back but said that dispute was resolved and shows account as paid in full. He denied removal of the account as well as checking what happened with the request sent from XXXX XXXX XXXX. I was denied the conversation with his supervisor as well. 
By the way I checked the Experian report since I am refinancing my house and I was waiting for that account to be removed and it was removed not mention that it took me a long time to finally get the amount right since they wanted almost twice that much what I was really owed. I still paid {$200.00} more then I should but wanted that to go away.
Consumer complaint received 2020-12-10
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: EQUIFAX, INC. (GA)

I am writing this dispute because Equifax is not displaying my correct information. I have called numerous times about this issue. My credit file that lenders pull as well as what I am able to see on the internet is incorrect. There are only 2 accounts on my credit file that I can see on My Equifax, XXXX XXXX, XXXX XXXX XXXX, and other sites. Lenders also see this same information. When I call Equifax they tell me that they see 28 accounts. This does not help me and I need them to fix this issue. 

The reps dont understand me properly and I do not get emails back from support. I have sent my information to them multiple times via USPS as recently as 2 weeks ago. This is not a website issue. I dont know if my profile is split or some other problem.
Consumer complaint received 2020-08-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (NJ)

Loan # XXXX On XX/XX/XXXX I borrowed {$570.00} from online lender Loan at Last. 
The lender charged me 19 bi-weekly payments or {$150.00} and 1 final payment of {$150.00} withdrawn from my checking account from XX/XX/XXXX to XX/XX/XXXX. Total payments = {$3100.00} on a loan of {$570.00} The interest rate charged is 795.87 % Total interest = {$2500.00} for a {$570.00} loan. These charges are far more than any other legitimate lender would be allowed to charge in any state in the United States. I believe these lenders should be prohibited from lending in all states including NJ. They did not disclose to me while making this loan that they were a tribal lender and believe they are not subject to fair banking laws,
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

XXXX XXXX, Regulatory Case Number : XXXX you sent 138 pages 128 that i already rec 'd can you identify which pages do you consider the response for which questions you see you combine several Notice of Errors and QWR in one response im glad you admit, " we understand that it may be difficult to reconcile these documents '' then why dont you make it easier for the mortgages you SERVICE?
Consumer complaint received 2020-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Shellpoint Mortgage Servicer d/b/a NewRez has been misappropriating my monthly mortgage payments beginning in approximately XX/XX/2020. According to my loan amortization schedule my monthly mortgage payment is {$860.00}, of that payment {$200.00} is supposed to go Into the escrow account. My mortgage servicer has been holding onto payments in a not applied status then charging me a late fee. They have been applying principal only payments without authorization which has caused my mortgage account to be disproportionately skewed. They have also reported late payments to credit agencies. I began noticing an issue around XX/XX/2020 when I began calling asking questions without any resolution. In XX/XX/2020 I called shellpoint and submitted in writing to the portal and via certified mail a 7 page letter with multiple documents that identified shellpoints errors.
Consumer complaint received 2020-12-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I have called before about someone trying to scam me be sending me money to my bank account. The amount was {$2400.00}, I didnt know they were scamming me they claimed to be a sugar dad I knew of the scam after I put the check in my account. Called the FTC, the person I talked to stated the money that went into my account would be mine. They opened a report to find out what happened, but later today I get a charge for my bank saying they took the money back out so now I have - {$2400.00} in my savings. I was just confused because I was told by the ftc and my bank that the money would be mine.
Consumer complaint received 2024-02-25
Product: Credit reporting 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)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2020-12-10
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. (FL)

Due to medical bills that I had in collections ( since removed ) I applied with XXXX XXXX, XXXX. and XXXX XXXX XXXX, XXXX. for secured card. They both made inquiries into my credit report. This was for cards backed by a deposit - not my credit-worthiness. They needed to place this more conspicuously as there is an implied contract of the card not being based upon credit worthiness. Also, where one normally can dispute this with the credit bureaus, here it is modified so that I am required toys every the banks remove the inquiry. This creates a greater burden of proof upon the consumer and allows for more abuse in the part of the bank - they are in control - they do what they want. It should be removed, but more so, these agencies provide facto public services. If more of their policies reflected these actions, legislation would follow as they should service as a mediator and an over site board in these sorts of disputes. It is unconscionable to think that they should be able to do this. Laws should be enacted to protect the consumer and allow them to dispute information with the bureau to which it has been reported.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have no idea why i have a late pay on my report because i always have paid my bill on time very diligently but i have one isolated late pay that i can't seem to get taken off and i know the date they are telling me but i have a payment that was taken out before the 30 days were up at the same time that i paid the other payments so there is no way that it should be reporting as late this one time. I've tried disputing it with the credit bureaus but not had success in removing it. Please help me to resolve this matter. i am a good client of theres.
Consumer complaint received 2020-12-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I have repeatedly tried to pay on my debt, but every time I tried to pay info was misplaced or payment was not set up properly. I also had insurance so the amount that they have for collection is not the amount that I should be charged for. I contacted the credit card people I was disconnected like they were trying to mess up my credit. Please check with the company or companies involved, you will see that I usually paid promptly or whatever I made agreements/or arrangements too.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

15 U.S. Code Section 1681 S-2 Responsibilities of furnishers of information to consumer reporting agencies. 

Section ( F ) reporting information during COVID-19 pandemic ( i ) Definition in this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease. 

Covered period The term Covered Period means the period beginning on XX/XX/2020 and ending on the later of___ 120 days after XX/XX/2020 ; or later or 120 days after the date on which the National Emergency concerning the novel coronavirus disease ( Covid-19 ) outbreak declared by the President on XX/XX/2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) Terminates.
Consumer complaint received 2019-11-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Butte County Credit Bureau (CA)

I received an alert from XXXX credit monitoring informing me that Butte County Credit Bureau placed a new account on my credit report. I found their contact info via XXXX search and called them. The customer service agent told me I have an account with XXXX XXXX XXXX for {$190.00} from XX/XX/2019 and that the account had actually been placed on my credit report in XX/XX/XXXX. Through a confirmation of my mailing address, we discovered that Butte County Credit Bureau has the wrong mailing address for me. Due to the fairly low amount, instead of disputing an account I don't recognize and did not receive notification about, I offered to pay the {$190.00} if they either removed the inaccurate information of late payments which were caused by their mistakes, or totally removed from my credit report. The customer service agent told it is not their policy to correct or remove information from credit reports. I contacted XXXX XXXX XXXX XXXX Department, who told me it is not against XXXX 's policy to remove inaccurate information from credit reports but that removing the inaccurate information would have to be done by Butte County Credit Bureau
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I have never received any information on this account, nor the card itself. I reached out to XXXX to resolve the issue and they were not willing to help. I even went as far as to ask for a supervisor and the representative was rude and unwilling to compromise. He said there was no one else I could speak to and refused to give me his last name or ID number. He then, left me on hold for approximately XXXX minutes and hung up! I sent them a letter asking them to validate the account and they have failed to respond. I would like to resolve this matter immediately.
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (MO)

All of the bureaus are diclimg a refusing to remove or dispute any of the inaccurate items that are on my credit. I continue to ask them to show me proof of who thery verified information from and when they continue to ignore me and violate my consumer rights.
Consumer complaint received 2020-12-10
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 (GA)

I pulled my credit report and realized that I had an unauthrozed inquiry on my credit report, I sent a letter out to capital one, XXXX  AND XXXX XX/XX/XXXX to verify that inquiry and I have NOT received a response from the company. I then reached out to them ( CAPITAL ONE via phone XX/XX/XXXX and spoke with a representative and explained to him my issue and he informed me that this is a known issue that they have been having. If I provided documentation about the inquiry dated XX/XX/XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXXXXXX HOW IS THIS POSSIBLE IN THE SAME MONTH? FRAUD INQUIRES and then I reach out and was told they have been having this issue. why have they not remove the inquiry. if documentation was sent. I need this removed and the fact that it has been an issue with many customers it's scary! how is my information getting compromised. I need answers and I need the inquiry removed!
Consumer complaint received 2020-12-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2020 I called Navy Federal Credit Union and spoke with a supervisor about late payments reporting on my credit report. During the global pandemic I was granted a forebearance on a vehicle loan while down to one household income. According to the Cares Act there shouldn't be any negative reporting as this account was in good standing prior to Covid 19 pandemic. The supervisor told me that " this is just business '' and " Navy Federal is allowed to report as they see fit. '' I explained this loan was in a modification process however nothing was corrected.
Consumer complaint received 2024-02-25
Product: Credit reporting 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. (NJ)

XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX
Consumer complaint received 2019-06-05
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. (TX)

SOMEONE OPENED A PAYDAY LOAN UNDER MY INFORMATION ONLINE ... I DONT KNOW WHEN OR HOWS MUCH, BUT IT IS ON MY CREDIT REPORTS.. PLEASE HELP
Consumer complaint received 2017-12-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CO)

on XXXX2017 I made a transfer of my coins from XXXX/coinbase account to XXXX 
XXXX was a scam, I have requested XXXX/coinbase to cancel those transfers, the reply from XXXX/coinbase was not refundable. 

my account XXXX and XXXX/coinbase locked my account.
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (TN)

XXXX XXXX XXXX has an auto loan showing as open, past due, & with a balance. I filed Chapter XXXX bankruptcy including the vehicle. They now have the vehicle. I notified them to have it updated but nothing has been done to correct.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

They keep verifying bankruptcy I asked them to remove it more than once who are they Verfied with because its no way it should be reporting it does not belong to me
Consumer complaint received 2020-08-31
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: Experian Information Solutions Inc. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX {$15000.00} XXXX  XXXX  XXXX {$130.00} CHAPTER XXXX BANKRUPTCY DISMISSED {$0.00}
Consumer complaint received 2020-08-31
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX {$15000.00} XXXX XXXX XXXX {$130.00} CHAPTER XXXX BANKRUPTCY DISMISSED {$0.00}
Consumer complaint received 2020-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (WI)

Convergent Outsourcing Inc is reporting that I owe XXXX XXXX  a balance of XXXX and I do not owe XXXX  XXXX  anything. They were in my bankruptcy but also charged my bank account XXXX for unreturned equipment, This debt has been paid.
Consumer complaint received 2020-12-10
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. (NY)

I am writing because I do not recognize the account on my credit report.I believe that I may be a victim of identity theft. I do not recognize theis account and have never incurred debt with these creditor. I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that it is not mine.
Consumer complaint received 2020-11-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

Good Day I had an account with XXXX about 2 years ago. It went into collection, which I started paying on the account since I received the collection notice. its been 2 years and my account has been sold 3 or 4 times without notice. I made a payment on XX/XX/2020 and on monday XXXX I received a notice that Resurgent capital has the account. 
XXXX was the first collection agency that had my account where I was making payments monthly. then XXXX XXXX XXXX had it next where I was making biweekly payments. 
When I email XXXX they say Resurgent capital has my account even though I was making payments to the other two collection agency. I feel like XXXX  is doing something that is not correct. If I am making payments why is my account constantaly being sold all the time.especially when I am making payments. I dont even get a notice even though they are taking the money