davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (GA)

On XX/XX/XXXX I contacted Sequim Asset Solution, LLC I spoke with XXXX XXXX, and ended up having to speak with a manager due to her rudeness over the phone. I spoke with a Supervisor named XXXX, I was advised that once I paid the account in full, I would get a letter of confirmation via email stating that the account was paid in full the payment cleared, and the collection would be removed from my credit report. At the time the only one it was reported to was XXXX 

The next day I received a notification from a credit monitoring source that I have, stating that a new account has been reported to XXXX on XX/XX/XXXX right after I paid the account off on XX/XX/XXXX, They had no right to do that, this was pretty foul, I did not receive anything in writing via email as promised, and I was not advised that it would he reported to another credit bureau that they have not reported to. This is bullying my credit, why would you report a collection that has been paid off to a credit bureau that you didn't report it to in the first place. They said it would be deleted, and I want it removed. This is credit report bullying, here it is XX/XX/XXXX, and have yet to receive the letter of confirmation via email as promised. 

There was not reason for them to report a new account as they told me that it would be deleted once the balance was paid in full. The said that the would send communication to the original creditor advising them that it was paid in full. The account is settled and I want the account removed as promised.
Consumer complaint received 2021-09-17
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. (NY)

I was recently looking at the credit report that my loan officer pulled and there is a huge discrepancy being reported about this child support account. Number : XXXX This is constantly reporting negative information that is dropping my credit score. I was given a much higher interest rate for my loan than I deserve with a XXXX plus credit score. The loan officer mentioned this account is the reason why. 
The account is showing that I have late payments on my child support every month however this is not true. The account is on automatically taking out the money from my checking account every week and I have not missed any payments ( SEE ATTACHED ) I have previously disputed this account with all 3 bureaus explaining the error and XXXX and XXXX DELETED this account EXCEPT for Experian. I have been writing to Experian several times this year and as I recently checked my credit at the bank, they are saying this inaccurate account is still there. I need Experian to be held accountable for disregarding the investigation requests. I understand that inaccurate or unverifiable accounts must be deleted as per Section 611 ( 5 ) ( a ( i ) if the Fair credit reporting laws : Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer I need this deleted for violating my rights and Experian NOT conducting a complete and fair investigation of this account.
Consumer complaint received 2021-04-12
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. (MD)

Concerning the mortgage loan account of XXXX and XXXX XXXX loan : XXXX For maybe over an year since our mortgage loan was Service transferred from XXXX XXXX to XXXX XXXX  XXXX, I have been going back and forth with XXXX XXXX about radical and ongoing changes that were going on with our credit bureau accounts on all four of the credit bureaus ( XXXX, XXXX, Experian, XXXX ). Recently we discovered that the many ongoing changes were not the work or came from XXXX XXXX. And based on what we both ( MyselfXXXX XXXX ) had concluded, one of the changes were being done from the one of the credit bureaus that I previously listed. For instance, attached is a screenshot from our Experian XXXX XXXX mortgage account. That screenshot shows a very different account than what is at the other three bureaus. It also shows an entire credit history being removed with other changes. This was not done by XXXX XXXX. As well, the XXXX account is only showing the current payments. These are also radical differences between the other bureaus as well. And for the Transunion, the score does not change regardless of payments being made. This account seems to be LOCKED at a set score, and the same applies to XXXX, but has gone up 1 point. In correspondence with XXXX XXXX, they had indicated that they had submitted to the three credit bureaus to DELETE the accounts for both my wife and I ( see attached ). The attach document contain a section of our correspondence that I asked them to send me separately it is dated for XX/XX/XXXX. Im not surprised that the changes had not happened yet, because it turns out there are so many other request they have made over the year that were not honored. On the accounts there are statements or other things that were added to the accounts that were not there when it initially transferred over. Where XXXX XXXX had been requesting to have the account corrected to show Service Transferred it has been showing Transferred to another office that plus some other changes they have submitted request for update and that I should be able to see the update after 5 days. Being hard to believe, this is factual of what has been going on with our credit reporting, where its clear the score have been suppressed and some of the statements on the accounts have been changed. And for more 12 months and the many request to update, it has not happened. So hopefully that attached statement from XXXX XXXX can get the accounts removed is what XXXX XXXX felt would be a better solution for us since its been impossible to get the accounts restored to what they were originally and updated as requested. And for the more than 15 years of being with XXXX XXXX, unlike anything weve been going through since the Service Transfer of XX/XX/XXXX, we have never had a complaint with XXXX XXXX or have ever had a credit bureau issue.
Consumer complaint received 2021-10-25
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. (GA)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2019-03-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (MD)

I was accepted for a loan in XX/XX/2018 for XXXX $ We have made 4 payments so far. We were told the interest would be 24 % and now its 34 %. We were told we could make payments online. We have never been able to pay online and have screen shots showing its broke. Each month on the XXXX we must call Lending Club to process the payment. If we do not call on that day they charge a late fee. We want to pay off the loan and or move it but now they are saying we owe XXXX $ to pay it off!!!! We want out of the loan and feel we should not be penalized to pay it off. 

please please help!!
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act Original Creditor Name : XXXX XXXX TX, XXXX XXXX XXXX # # # # # # # # # # # # XXXX, Original Creditor XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # # # # # # # XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX Original Creditor Name : XXXX XXXX XXXX  XXXX XXXX XXXX xxxxxxxxxxxx XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX  XXXX Original Creditor Name XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX xxxxxxxxxxxx XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, Original Creditor Name XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX. Section XXXX. A states I have the right to privacy. 

XXXX U.S.C XXXX section XXXX A section XXXX : it also states a consume reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-10-25
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (IL)

A rate was locked at 2.375 % to refinance my home with Ally bank. All steps were followed for data collection and an appraisal was conducted by an outside third party. The appraisal report came back filled with a number of statements that were false ( appraiser stated we spoke a number of times, requested specific information be included, etc ). He came to our home the day of the appraisal, he walked through our home, and then left and we never spoke again. 
I find this to not only have sabotaged a refinance due to a low rate not wanting to be honored but I was also charged the {$550.00} for the appraisal yet no one will explain to me why its acceptable to supply a report that has false information in it. When dealing with such important things such as someone's mortgage I feel that ethics is a very important items to uphold and when a bank can accept false information I do feel its not only wrong but unethical.
Consumer complaint received 2020-11-05
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: CBC Companies, Inc. (LA)

I want to report that somebody has used my identity to open accounts in my name withoutmy consent, this report is produce to dispute these fraudulent accounts, that has damagemy credit record, Please note these incident for future references.
Consumer complaint received 2021-05-02
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Capital Management Services, LP (OR)

Starting 6-12 months ago I began to receive up to 3-4 calls from this company per day. I have had very poor health and have been in and out of the hospital. The calls are now daily, and often at XXXX XXXX, waking up during the night and causing me to either miss or perform poorly at work. It is extremely devastating and has been a very hard toll on my quality of life. Often agents are incredibly short with me and hesitant to reveal any information regarding my debt. 

It is so bad that my voicemail completely fills up within a week or two, and important messages from my doctors are not able to be recorded to my voicemail. This is extremely bad for my health, as I have been and currently still am awaiting information regarding some very acute and life threatening medical conditions. 

I have asked them to reach out via email instead of leaving me upwards of 3 voicemails PER DAY, but it has not helped. Unfortunately I am not able to identify which numbers belong to them. The voicemails range from XXXX XXXX to XXXX XXXX, but I am sure there are many other calls that have not gone to voicemail that I am unable to identify. 



I would also like to note there is a very strong possibility this debt was incurred whilst I was a minor, which my legal consult has urged me to mention. I am not sure how the proceedings for such a situation normally go, but I believe it is important should they actually give me pertinent debt details such as amount and origin.
Consumer complaint received 2021-10-25
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CT)

PROBLEM # 1 WHEN DISCOVER TOOK OVER SERVICING MY STUDENT LOAN FROM XXXX THEY ADDED OVER {$7000.00} TO THE BALANCE, I DEMANDED AN EXPLANATION IN WRITING AND THEY REFUSED. AFTER DOZENS OF PHONE CALLS ALL I WAS TOLD THAT IT WAS AN ERROR FROM INTEREST WHILE I WAS IN SCHOOL. I REQUESTED SUBSTANTIATION AND THEY REFUSED. I BELIEVE THIS CHARGE TO BE ERRONEOUS AS DISCOVER TOOK OVER MY LOAN 4+ YEARS AFTER I GRADUATED.

PROBLEM # 2 DEFAULTED ON THE LOAN AND NEGOTIATED A 20 % BALANCE REDUCTION AND 0 % INTEREST IF PAID BACK WITHIN 60 MONTHS WITH AUTO DEBITED PAYMENTS. HAVE HAD {$890.00} AUTO DEBITED FROM MY CHECKING ACCOUNT MONTHLY YET THE REPORTED BALANCE ON MY CREDIT REPORTS DOES NOT REFLECT MY NOW 4+ YEARS OF PAYMENTS. 

PROBLEM # 3 CREIDT REPORT SHOWS THAT THEY HAVE REPORTED MY ACCOUNT AS CLOSED, WHICH IT CLEARLY IS NOT PROBLEM # 4 THEY REPORTED TO THE CREDIT REPORTS THAT THE ENTIRE BALANCE WAS CHARGED OFF, WHICH IT WAS NOT SINCE THEY HAVE BEEN AUTO-DEBITING A MONTLY PAYMENT FOR 4+ YEARS. 

BANK RECORDS CAN BE PROVIDED SHOWING THE AUTO-DEBIT, UPON REQUEST. THE LETTER ABOUT THE $ XXXX ADDED IN XXXX WAS LOST WHEN WE WERE THE VICTIM OF A XXXX  IN XXXX.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I submitted a complaint on XX/XX/2021 ( # XXXX ) for transunion dealing with a bankruptcy that is on my credit report and they did an interim reply on XX/XX/2021. Nothing since. I gave all the paperwork to show where they keep saying they are getting it from is untrue. I have given every company that I know hey are going to try to lie and say they used. They told you all that I can contact them on XX/XX/2021 and they have ignored me. It has been over 2 months since I put this claim in and they still ignoring me. This is something that they are not investigating and still coming back as its mine. This needs to be taken off now.
Consumer complaint received 2019-03-13
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: Experian Information Solutions Inc. (MI)

I asked for verification that I utilized these services that they reported my delinquent payment Collection : XXXX XXXX. Amount : {$75.00} Original Lender : XXXX   XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

XXXX XXXX XXXX I have a auto loan with this lender During Covid I lost my job but I was still making payments I miss too payments I I tried to reach out to them to let them know I am falling behind if they could give me an extension However, they took the car without any notice know letter when I call them they told me they try to reach out to me. I got the car back within a week I try to dispute the 3 late payments and the Repossession they have on my account
Consumer complaint received 2019-03-13
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. (TX)

I am having a very big issue with information reporting on my credit file that is NOT MINE. I have disputed it with all three bureaus and every time I do they add more accounts that are not mine. I realize I have a very common name but they are not validating with these creditors properly. I don't know where else to turn. The are showing medical bills to places I have never been, times I know for a fact that didn't even have medical services. These companies are saying certified THEY ARE NOT MINE!!!!!!!
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am having a very big issue with information reporting on my credit file that is NOT MINE. I have disputed it with all three bureaus and every time I do they add more accounts that are not mine. I realize I have a very common name but they are not validating with these creditors properly. I don't know where else to turn. The are showing medical bills to places I have never been, times I know for a fact that didn't even have medical services. These companies are saying certified THEY ARE NOT MINE!!!!!!!
Consumer complaint received 2019-03-13
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)

The account was paid and still, my credit reports have not been updated an this is impacting my score. Please look at the balance it's showing {$2400.00} and true balance is {$900.00}.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NY)

I have tried to work with Ditech, From XX/XX/2018 we have submitted documents to Ditech, we submitted requested documents. Then on XX/XX/2018 we received a letter stating that information was received and we had to wait 30 days for a response. 

Then we were notified that the loan was transferred to another servicer. We waited and then when we tried to communicate with the new servicer they had none of the information concerning our loan. 

Again on a letter dated XXXX XXXX again we received a Notice of Sale of Ownership of Mortgage Loan, but on XX/XX/2018 Ditech accepted a mortgage payment in the amount of {$2300.00} with a conformation number of:XXXX. 

We have a notice of Servicing Transfer dated XX/XX/2018 to XXXX XXXX with no new loan number and they do not have the complete file from Ditech and we have a sale date for XX/XX/2018 @ XXXX. 

What happens to all of the documents that were submitted to Ditech in XXXX, XXXX, XX/XX/2018? Why do we have a sale date when they accepted a mortgage payment from us? 
Please help us with this impossible situation. 
Thank You
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my credit report. 
I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I checked my email on XX/XX/2024 and I noticed an alert from " XXXX '' letting me know that my credit report changed. I went online and checked my account and seen that an item was reinserted on my credit report " XXXX '' " Transunion '' and " XXXX ''. I was not notified by mail and the same day I got the email alert was the same day the change occurred on my report. I did not receive any letters from anyone and I am highly distressed due to this matter. The item was deleted months ago and was deemed fraudulent. I sent certified mails with the Tracking Number to Transunion XXXX XXXX XXXX XXXX XXXX and Tracking Number XXXX XXXX XXXX XXXX XXXX to XXXX and XXXX asking them for the description on how they certify that the account was verified. According to 15USC 1681i 5B both bureaus have violated my rights and I will like the account removed immediately. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.