davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

My 2019 XXXX Property tax still not paid yet, despite of many attempts and complaints via phones and emails I did to PHH Mortgage Services. Right now I was approved for home modification, because I had a hard time to pay my mortgage. I did apply for Home Modifications and my lender approved it, and I passed the 3 months trials. 
My only concern why my property tax was not paid yet for XX/XX/2019.
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX overcharged my account for orders that I paid for an XXXX tried to charge my capital one credit card. When I canceled the items that were not processed capital one stated that I would get a conditional credit within 3 days back to my account but in fact the funds are not placed back an my account is missing the funds but the funds are in my account until XXXX answers back. I had a situation happen to me last year with my information an my accounts someone is doing it again on my other an capital one is not doing anything to protect my account at all.
Consumer complaint received 2019-06-10
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. (NJ)

I am in disagreement with the items listed which still appear on my credit report as having late payments.. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score..I would like these items be removed from my credit report XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

Time payment account XXXX shows high credit of XXXX on experian and XXXX on XXXX, date last active as XX/XX/XXXX on experian and XX/XX/XXXX on XXXX  and payment history as ok on XX/XX/XXXX yet experian shows 150 days late, delete this account for inaccurate. Time payment account XXXX shows high credit of XXXX on experian and XXXXon XXXX, date last active as XX/XX/XXXX on experian and XX/XX/XXXX on XXXX shows ok on XXXX  and XXXX late the next month!!! Delete because inaccurate. Time payment account XXXX shows high credit of XXXX on experian and XXXX on XXXX, date last activity as XX/XX/XXXX on experian and XX/XX/XXXX on XXXX, XX/XX/XXXX shows ok and 120 days late the next month!!! Delete because inaccurate!!!!!
Consumer complaint received 2021-05-03
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. (NY)

I completed all of the following and sent it to Equifax through certified mail. 

XXXX ) Identity Theft Victims Affidavit completed and notorized with police report 2 ) Included proofs of my identity ( Driver 's license, social security card ) 3 ) Included copy of section 605B Fair Credit Reporting Act 4 ) Included copy Equifax credit bureau section with items of dispute circled. 

Equifax is not abiding by federal law and is taking advantage of consumers.
Consumer complaint received 2021-06-30
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: Resurgent Capital Services L.P. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-09-17
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. (NY)

I did not authorize nor consent to the following inquires being furnished on my consumer reports.. 
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
Consumer complaint received 2019-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

A Certified/Return Mail was sent to this creditor, LVNV Funding LLC requesting that the account # XXXX for the amount of {$680.00} they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. I reached out to them in XX/XX/2019   and my effort to have them explain the legitimacy of the debt they are purporting that I owe them was blatantly ignored. LVNV Funding LLC must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with deliberate speed per the FCRA and the FDCPA. 

Thank you, XXXX XXXX
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica (IA)

I am XXXX XXXX. My card was locked or cancelled.I have no access to my money.when I called I can't access my old email.they would not speak to me.I list my ID card and only have my social security income statement and medicare card.I was always able to verify my account before without that Now I have no food or money for rent this month.my phone number on file with social security is XXXX recieved no letter in the mail, or reason.please help. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Iowa XXXX please help.
Consumer complaint received 2022-11-17
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: Bread Financial Holdings, Inc. (SC)

On XX/XX/22 Comenity Capital ran a hard credit check on my account. 
I have never heard of Comenity, have not applied for a credit card, nor authorized this credit check I contacted XXXX and placed a fraud alert on my account and asked them to remove the check I attempted to contact Comenity Capital however was not able to reach someone who could help
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I use to lease a XXXX XXXX XXXX hybrid til XX/XX/XXXX this year. It was a 3 year lease. I have never missed a payment. Their website has a auto pay feature, I had enrolled in it for payment. Payment use to vary slightly every month. 
This varying payment is controlled by them. Once fine day, there was a 'payment delinquent ' report issue by toyota on my credit file due to a {$99.00} shortage over a period of 4 months. I informed them about the whoe issue and got them to fix my credit. 

After few months, again in XX/XX/2019 they had sent some confusing statements and shwoing that I am $ XXXX/XXXX short. I called up their call center thrice. Everytime i was told to ignore this letter and my account is settled and this was a mistake. I see that my account is again marked delinquent for payment for that month in my credit file. They constantly abuse customers credit. 

I have wrote to them many time on their twitter suport, emailed them, called them, they dont seem to be fixing this. Now it is affecting my mortgage rates. Shouldnt they be paying me for the mortgage rate loss due to their mistake?
Consumer complaint received 2019-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

There is this account on my credit file from a company called XXXX XXXX, XXXX  removed the account from my credit file but Transunion and XXXX have not removed it, I need them to remove this account because it doesnt belong to me. I took a picture of XXXX XXXX to show XXXX and transunion that XXXX  removed the account.
Consumer complaint received 2018-07-25
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. (NC)

The 3 major credit bureaus are reporting on my credit report unverified accounts and will not show or send proof of these accounts on my credit reports such as a original consumer contract with my signature on it. Under the FCRA 15 USC 1681i all unverified accounts must be deleted.
Consumer complaint received 2019-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There was nothing to explain further I have been sending letters to XXXX and Transunion and I have repeated myself over and over again. The accounts don't belong to me,. I know this is an error and I ask you to please DELETE THE FRAUDULENT ACCOUNTS ... XXXX XXXX  ( ORIG CREDITOR NAME : XXXX XXXX XXXX )
Consumer complaint received 2018-07-25
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. (NC)

The 3 major credit bureaus are reporting on my credit report unverified accounts and will not show or send proof of these accounts on my credit reports such as a original consumer contract with my signature on it. Under the FCRA 15 USC 1681i all unverified accounts must be deleted.
Consumer complaint received 2018-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MO)

I received the loan in XX/XX/XXXX and paid it off in XX/XX/XXXX. When I called to get the payoff I was told I would be charged a {$30.00} fee, which would be added to the amount I owed, to get the payoff figure. I called my loan processor to question this and he said it was probably the fee to have the lien released. When I called the mortgage company back I was told there was a separate fee to release the lien and the {$30.00} was for them to provide the payoff balance. The {$30.00} is listed in the payoff statement as a " statement fee ''. There is no mention of this fee in my note. I can provide copies of my note and the payoff statement if necessary.
Consumer complaint received 2018-07-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (CA)

EOS CCA, acting on behalf of XXXX XXXX XXXX XXXX XXXX, has re-aged a XXXX XXXX account that went into collections back in XX/XX/XXXX and are reporting it on my XXXX credit report as XX/XX/XXXX. I have filed disputes to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to get this item corrected.
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SUNTRUST BANKS, INC. (GA)

I have a credit card with Suntrust, Account number XXXX. Three payments was pulled from my account on a Suntrust credit card for the XX/XX/2018 payment. They are refusing to return the funds to me. The funds were removed from my account of the XX/XX/XXXX, today is the XX/XX/2018, there is no reason for there to be delay and/or any doubt about whether they have received the funds.
Consumer complaint received 2022-04-02
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: CarMax, Inc. (CO)

Carmax repossessed our car, after we had been in contact with them often explaining we had lost our employment, and had been struck with crime, but were moving to XXXX XXXX to obtain another position, which we already had. We were just starting XX/XX/XXXX. They agreed to work with us. Instead they came like thrives in the night and repossessed the car, with all our belongings in it. True we were able to get some out the next day while a complete stranger helped us, but thereafter the rest of our belongings went with the car. We were now without any way to get around but by bus and no way to get the rest of our belongings. 

Carmax is lying! And cutting off their nose to spite their face. How does it help to take a car away from people who have new employment and need a car to get there where theyll earn money to pay Carmax? 

Also we were never informed that we had purchased an XXXX XXXX XXXX. Carmaxs way to charge more obviously. We also never asked for such. So Carmax lied by omission. The car broke down in XXXX, XXXX  and we had to have the Radiator Replaced by XXXX XXXX XXXX in XXXX by XXXX ; the charge was about {$500.00}. We have requested the receipt, from around XX/XX/XXXX but dont have it yet. Also we informed Carmax about this problem with the car soon after it happened. They never informed us then about the Extended Service Plan. 

Another lie by Carmax, is that the XXXX in the car was bad and they lost money in selling the car. Not true, the car drove perfectly ; we know what a bad transmission is. Not to mention the car was checked out by the mechanic in XXXX. Again this receipt is forthcoming. 

Also I have learned that Carmax can not charge us for the car after they repossessed it unless they sell it for less, and though they say there was all these things wrong with it, its not true. 

They are lying. They may of sold the car for less, but their reason for doing so was to garner interest from continuing to charge us. 

At the very least Carmax is unethical, dishonest and corrupt. 

I have reported Carmax to other consumer outlets. If I can be instrumental by keeping just one family from buying a car from corrupt Carmax I will feel Ive done something good for society.
Consumer complaint received 2019-06-10
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. (TX)

I submitted a dispute prepared by an attorney to this company and court documents that showed the account owner legal case had been dismissed and therefore LEGALLY SHPULD NO LONGER BE REPORTED. As it was explained to me if a company can not legally collect a debt it should not be reported on their credit report THUS THIS ITEM SHOULD BE REMOVED. 

Not only did Experian not look into the legal aspect of the matter they also reaged my account which is illegal and not in accordance with the Fair Credit Reporting Act. Time barred accounts are supposed to have the correct date of charge off. Experian UPDATED the account as if it had just been charged off this month when in reality it was charged of YEARS AGO. 

ACCOUNT NAME : XXXX XXXX
Consumer complaint received 2019-06-10
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: Experian Information Solutions Inc. (NC)

There was nothing to explain further I have been sending letters to Experian and XXXX  and I have repeated myself over and over again. The accounts don't belong to me,. I know this is an error and I ask you to please DELETE THE FRAUDULENT ACCOUNTS ... XXXX XXXX ( ORIG CREDITOR NAME : XXXXXXXX XXXX )
Consumer complaint received 2019-06-10
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: Experian Information Solutions Inc. (KS)

Specifically, Experian is a credit reporting agency. It is there to rate consumers on their credit worthiness. What they actually do is take one small incident, and turn it into an excuse to sell you " credit repair '' services. Further, they suggest that me having two credit cards that I do not utilize makes me a credit risk. They stipulate that " high performers '' are shown to have 10 or more open lines of personal credit ( i.e. lots of credit cards ). They end up the " expalnation '' of my derogatory credit rating with advertisements for obtaining more credcit cards.

This is wrong. They are in the credit reporting business, but they are really in the sale of debt business. One small {$150.00} medical bill, that I have paid by way, does not justify an all out war on my credit rating. Experian are practically extortionists, and need to be reined in and held accountable to their non-profit status. They are in the business of credit reporting, but are strong-arming consumers into accepting false services for reasons that really make poor finiancial sense. Why on earth would I need so many credit cards, or get a car loan if I do not need to, or pay a  XXXX TX doctor 's billing office calling you from XXXX because they are quite clearly not on the up and up??? 

That is why I didn't initially pay my one delinquent medical bill, because I did not trust the doctor. But Experian is worse than this. They want me to sign up for more new credit cards. I have held my credit cards for over 20 years. I have long established credit, yet Experian says I am a credit risk. They are clearly not right, otherwise my credit cards would have been cancelled by the bank ages ago. 

Experian services need to be investigated. It seems they are engaged in conflicts of interest and misleading business practices.
Consumer complaint received 2020-06-02
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)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2021-06-30
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: WELLS FARGO & COMPANY (FL)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2019-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

A Certified/Return Mail was sent to this creditor, Amsher Collection Services requesting that the account # XXXX for the amount of {$1100.00} since XX/XX/2018 they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. Amsher Collection Services must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with immediate effect per the FCRA and the FDCPA. 

Thank you, XXXX XXXX