davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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. (IL)

After reviewing my consumer report, I've noticed some unauthorized inquiries being reported. I've tried contacting ( Transunion, XXXX, and XXXX, ) in regard to removing these unauthorized inquiries from my report, they continue to refuse to do so. I Demand these fraudulent inquiries be deleted from my consumer report Immediately. Below I've Attached my FTC report.
Consumer complaint received 2020-10-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Im writing in regards to an Auto Loan with Bank of America. I obtained this loan on XX/XX/2020 through a dealership in XXXX, MD. My payments began on XX/XX/2020, which I made successfully and since that time I have made on time payments through XXXX XXXX XXXX XXXX   Bill Pay. I pay 90 % of my bills through XXXX XXXX and I have never had a problem with any of my payments being rejected, denied, or returned until now. 

Bank of America has placed a 60 day past due notice on all three of the Credit Bureaus. I have not received not one letter or statement indicating my payments were late. I have not received not one phone call. I have not received not one email nothing which is crazy if I was so late. Every time I submit a payment, they would send me a check for the amount paid with no explanation just an empty envelope with the check in it. I havent cashed them either so I dont know what is going on. Who refuses payment when someone is diligently trying to pay? In fact, I pay twice a month. I went to the branch in XXXX, MD on XX/XX/2020, and they couldnt tell me anything. The representative just gave me a number to call. Unbelievable right, so I got in my car and called only to speak with a lady that didnt know what she was doing and indicated that this call was being recorded and this was an attempt to collect a debt, I told her great now what is my pay off balance. She gave me that information and was trying to transfer me to someone and I just hung up. 

I only found out that the account was past due through checking my credit report a couple a days ago which is outrageous. I think Bank of America is being spiteful/prejudice and have no grounds for putting a 60 day past due on my credit account. I am extremely angry that Bank of America is ruining my credit and I want Bank of America to correct my file immediately. I will NEVER deal with Bank of America again. They are very unorganized, confused, spiteful, and underhanded bank. Please do whats right and correct my account.
Consumer complaint received 2022-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NJ)

On XX/XX/2022, I paid all my overdue ( Forbearance Period ) payment, which is {$44000.00}. 
However, this doesn't reflect to my payoff statement & account for long time. Please see attached my payment history & latest payoff statement which has not been updated. 
I called more than 4 times, and they lastly promised ( on XX/XX/2022 ) that it will be updated no later than XX/XX/2022, but it wasn't updated yet. 

My closing day is XX/XX/2022, and I really need updated payoff statement until XX/XX/2022. 

Thank you.
Consumer complaint received 2019-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CT)

I received a letter on XX/XX/19 stating i was in delinquency for not making payments although I had already spoken to an advisor stating I can only make {$50.00} payments. I reached out via phone on XX/XX/19 Nelnet expects me to pay over XXXX dollars for a monthly payment when I explained my financial situation i was told i still will need to pay my balance. I was not offered about options until I asked what else I can do, the advisors were rude and not well informed. I have been sending payments for years, the manager was no help and was rude as well. I have been making payments for years on what i can afford I will like to pay towards my balance but reasonable amounts not an amount that will leave me stressed or more in debt. The original advisor I spoke too did not follow the proper protocol process now my account is in delinquency although I have been sending my monthly payments every month like I have been expected too.
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MA)

I made a purchase through their Shop Through Chase portal the exact same way I have in the past at XXXX. This time as has happened several times in the past, I did not receive a confirmation email confirming the bonus points. I emailed their useless foreign script reading CS reps several times back and forth and received typical canned responses telling me it can take time, each time, as is their custom to waste customers time with XXXX. Finally I received a response from someone who told me that I wasn't credited because I didn't shop directly through Chase, which is ANOTHER lie from them. I MOST CERTAINLY did shop through their portal the EXACT SAME WAY I have in the past.
Consumer complaint received 2019-10-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes ( XX/XX/2019 ), Equifax has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see below ACCOUNTS XXXX XXXX XXXX   XXXX never late DEPT OF ED/XXXX XXXX XXXX never late DEPT OF ED/XXXX XXXX XXXX never late DEPT OF ED/XXXX XXXX   XXXX never late XXXX XXXX XXXX XXXX never late US DEPT OF EDU XXXX not mine US DEPT OF EDU XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Late XX/XX/XXXX : Contacted Transunion. Suggested some information change. Agent asked about my address. The address they had was incorrect. Told them XXXX XXXX XXXX, XXXX, NJ XXXX is only address. Primary Residence. Should be no Apartment or P.O. Box notation! 

XX/XX/XXXX : Called Transunion to address the address. Told them there should be no Apartment Number or P.O. Box address XX/XX/XXXX : CAlled Transunion again.
Consumer complaint received 2020-05-21
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: WELLS FARGO & COMPANY (FL)

When I lost my job in XXXX they offered me a payment arrangement but I would have to close my account and the minimum payment would be {$25.00} for 12 months with a lower interest rate. I set up auto pay with a bank account but I had a fraud issue so I closed the bank. I CHANGED THE ACCOUNT INFO. I opened a Wells Fargo bank account so the auto pay would come out directly. I explained to the XXXX XXXX XXXX  On XXXX location and they reassured me it would all be set up. The bank did not set it up and I pay the {$25.00} AS AGREED and every month it is higher saying Im behind now putting it on my credit saying past due over 90 days! I have called and cant speak to this department because I now work Im an essential worker and the hours i get off they are closed. I called early XXXX AND XXXX and got transferred 5 times put on hold and disconnected. They sent letter finally but no resolution past XX/XX/XXXX. My credit is still messed up. Plus they put on my credit that grantor closed the account. I agreed to close the account I said I want to close it and go on this payment arrangement they make it look like Im not paying and they closed my account. Im going to close my bank account now. Im furious They make mistakes. Im lied too. The bank associate opened my bank account and says my certified checks are free. The first one I do they charge {$15.00}. The rep calls me he made a mistake about my address in my profile and my account will be closed if not fixed. I tell him the issue and he never corrects it. The credit card company and the bank both constantly make mistakes and dont fix them.
Consumer complaint received 2019-10-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc. (MI)

TEKCollection debt consulting agency XXXX XXXX XXXX - XXXX {$140.00} I was treated at XXXX XXXX XXXX of XXXX in the month of XX/XX/2018 and paid co-pay during my visit. I was told by the XXXX XXXX  that i don't need to pay anything out of pocket as it was a checkup for flu and no lab tests or any XXXX was taken. They have prescribed some medicines and i walked out of the Urgent care. Later i received a bill for {$140.00} which i have been disputing from TEK collect for past one and half years explaining the above thing.
Consumer complaint received 2018-04-05
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc. (AR)

Commonwealth Financial Systems purchased my debt from 4 years ago and have since been contacting me concerning it. I told them that the state of Arkansas has legislature in place that we can not be harassed about medical debt after 2 years. They are now lying and saying that the debt is only 3 months old and was acquired on XX/XX/2017. They call so much that I have had to block their number and they still continue to call.
Consumer complaint received 2019-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Utah System of Higher Education (IL)

XXXX took over servicing my student loan in XX/XX/XXXX. The first payment I made they didn't apply until I called them. Since then for over 6 years I received bills from them that said {$0.00} due each month. I continued to pay {$120.00} per month in the hopes that I would pay off my loan early. Unbeknownst to me in XX/XX/XXXX my monthly payment amount increased to {$160.00} so the {$120.00} I was paying was not satisfying the monthly amount due ( at this time I was still getting bills saying {$0.00} due ). Turns out they were taking the extra amount I had paid over the previous years ( paid ahead money ) and were applying it to monthly amount due. In XX/XX/XXXX of this year I got a bill for {$130.00} then the next month for {$160.00}. At first I just thought my monthly bill had gone up. Then in XX/XX/XXXX I received a bill for {$240.00} so I called XXXX. Turns out my monthly payment amount was supposed to increase every two years but they had never sent a monthly due amount on the bill so I wouldn't know it. After multiple calls trying to resolve the issue the response I received was we made an error ( for 6 years they made an error ) and there is nothing they can do but apologize. Now instead of being paid off early for my student loans I am back to the original loan term due to the error on their part of sending a {$0.00} bill every month until all of my paid ahead money was used up. I have discussed this issue with their customer service department and their ombudsman group and both admit that they made an error with all of my bills but they both say they can not do anything for me.
Consumer complaint received 2017-08-10
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I disputed all inquires on my account that i did not authorize EXCEPT FROM XXXX and they were not removed. Because I didnt authorize these inquires i have a fraud Alert placed!! And now im asking for assistace for them to be removed even after I told them i did not GIVE ANYONE PERMISSION TO CHECK MY CREDIT BUT XXXX!
Consumer complaint received 2023-01-19
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. (TX)

I have tried multiple times to dispute this inaccurate and incomplete information with all three credit bureaus. They have all fail to comply with FCRA Section 609 ( a ) ( 1 ) ( A ) verify, through physical verification the original signed consumer contract. I have requested proof of this alleged account numerous times. I have NEVER been supplied with it, because no such account exist. Failing to show proof per the FCRA the item must be removed from the credit report.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have filed disputes with all 3 Credit reporting agencies XXXX, Equifax and XXXX in regards to a public record bankruptcy ref XXXX. All 3 bureaus keep stating that the bankruptcy was verified and is reporting accurately. I have compared all 3 credit reports and all 3 bureaus are reporting different " filed '' dates. XXXX shows a file date of X/XX/2010, Equifax shows a file date of X/X/2010, and XXXX  shows a file date of X/XX/10. How can they say that they verified the bankruptcy as accurate but yet all of them are reflecting different file dates. Per the FCRA all information contained on a consumer 's credit report must be true and accurate and all 3 agencies have violated my rights under the FCRA by stating that they verified this bankruptcy as accurate when in fact it is not.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX/XXXX XXXX # XXXX is reporting lates in XX/XX/18, XX/XX/18 and XX/XX/18 that I should not owe. I had a XXXX XXXX which is why we went past due. I was advised to do a loan modification program which I did and I was told to go past due. I was told the lates would come off after we finished the Modification program. These lates are not my fault and they need to be removed.
Consumer complaint received 2017-08-11
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. (NY)

I have filed multiple disputes over the year to Experian that they have my bankruptcy listed incorrectly and they need to remove it. Every time they come back with the company that does the investigations for them says it is confirmed and it will be updated and stay on my report. However, they do n't do any updates and keep the same information. The whole problem is that they have me down as filing bankruptcy for {$0.00} when I filed for a lot more then nothing. I have sent them documents and still the same results. I am about to file a law suit if they do not take it off. The other two credit bureau 's have followed suite and removed it.
Consumer complaint received 2019-10-31
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. (OH)

XXXX/XXXX XXXX # XXXX is reporting lates in XX/XX/18, XX/XX/18 and XX/XX/18 that I should not owe. I had a XXXX XXXX which is why we went past due. I was advised to do a loan modification program which I did and I was told to go past due. I was told the lates would come off after we finished the Modification program. These lates are not my fault and they need to be removed.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX/XXXX XXXX # XXXX is reporting lates in XX/XX/18, XX/XX/18 and XX/XX/18 that I should not owe. I had a XXXX XXXX which is why we went past due. I was advised to do a loan modification program which I did and I was told to go past due. I was told the lates would come off after we finished the Modification program. These lates are not my fault and they need to be removed.
Consumer complaint received 2020-05-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (FL)

I called PNC to see if they can help with a 90 day mortgage forbearance and they would not help. They said they do not offer the option to extend those three payment to the end of your loan. They expect a full three month payment at the end of the forbearance period. I said that does not help anyone. They said it is all they can do under the current Covid-19 pandemic. Please help.
Consumer complaint received 2017-07-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: First Associates Loan Servicing LLC (CA)

I was wowed and tricked into attending this school by unfair practices the recruiters made. They painted this picture of state of the art equipment and other " bells and whistles '' the school allegedly had. Once there I was told I needed loans to pay for tuition. Initially I did n't qualify for these private loans. The financial aid advisor told me " do n't worry we 'll find a way '' this " way '' came at the cost of private loans through a company called XXXX now XXXX XXXX XXXX. I am now in debt XXXX dollars and ca n't afford to make payments. This loan in my eyes was textbook predatory lending. I was mislead and not informed of what the end costs would be and now I am very behind and overwhelmed with this lender. What can I do? Is there any relief?
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (IN)

A year or so back I was continuously getting false reportings on my credit report for {$280.00} for XXXX   XXXX. I have never a day in my life had XXXX XXXX services. It finally took writing to consumerfinance to get it off my credit report because disputing it through XXXX  kept coming back that the account was mine even though it was not. 
Now, I have received another collections on my account from XXXX XXXX XXXX  who is through who?? XXXX XXXX. This company is changing the company I apparently owe and continuously trying to come after me for a debt that I definitely do not owe. I did not forget that they already tried this a couple of years ago.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Today is XX/XX/2020. I am trying to get a credit freeze lifted. I was locked out of the TransUnion online system saying is could not verify my identity. I tried multiple telephone numbers found online. The number for TransUnion that was supposed to deal with identity verification answered with a voice response system and transferred me to nothing and hung up. I then went to a selection for lifting the credit freeze several times. I have been on hold for over two hours. This is ridiculous for a customer service organization. Very frustrating! I'm still holding hoping a live human being will eventually answer the phone.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I bought a new XXXX XXXX from XXXX XXXX in XXXX, TX. I specifically asked them who pulls the credit and they said that XXXX XXXX does a soft pull and XXXX XXXX will do a Hard Pull ( both through Transunion ) if theirs looks good. I unlocked my reprt so they could move forward and I was approved. 

Later both XXXX XXXX and XXXX XXXX showed up as hard pulls. I have attempted to get ahold of anyone in finnace at the dealership and even went to the dealership but no one returns calls and I was not able to see anyone.
Consumer complaint received 2020-07-24
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 contacted the XXXX XXXX XXXX  in response to inaccurate information posted on my Equifax credit report. When I received the debt validation letter from XXXX XXXX XXXX, it became clear that the account on my report does not belong to me. The information on the documents provided are not my own. The name, address, and social security on the document is not mine.
Consumer complaint received 2017-08-10
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: EQUIFAX, INC. (OH)

Submitted dispute about state tax liens on my credit report with Equifax on XXXX XXXX, 2017. The tax liens have been released as of XXXX XXXX, 2017. Equifax refuses to remove said liens from my credit report even after showing proof of liens being released.
Consumer complaint received 2023-01-31
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)

I do not recall authorizing these hard inquiry of my credit record. I am demanding that they be removed immediately. 

- XXXXXXXX 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 2019-10-31
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: EQUIFAX, INC. (GA)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. I have already gotten a police report with local police. And I have contacted the FTC. These items need to be deleted from my credit report. XXXX, XXXX, XXXX, XXXX XXXX. Inquiries : 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