davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-05
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. (CO)

I have a XXXX  XXXX account on my report that I dont recognize and would like this removed. Account ends in XXXX, according to my credit report. I have tried unsuccessfully to remove this negative account in the past but Im immediately told the account has been verified with no investigation and no information received about the account.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are reporting me as 120 days past due on XXXX   XXXX partial account # XXXX that has a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amount.
Consumer complaint received 2018-09-27
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I have a loan with USAA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and USAA with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX - XXXX, XX/XX/XXXX.
Consumer complaint received 2017-11-07
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. (KY)

Since XXXX XXXX, my XXXX XXXX XXXX XXXX has not been showing up on my Equifax Credit Report it showed up from XXXX to XXXX but that was it then the card had dropped of the report and my credit score went down roughly 39 points. I use XXXX XXXX to keep track of everything and all accounts are correct but the only one missing is the XXXX XXXX on the Equifax report ; it 's on the XXXX and XXXX.
Consumer complaint received 2023-02-06
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)

I am writing to delete the following information in my file. The items I need deleted are listed in this report. I am a victim of identity theft and did not make the listed changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-10-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (TX)

They sent my mother-in-law a text with a link and the account number they have for me. I have never heard of this company or received a text myself. I have never used my mother-in-law 's cell phone number in regards to any of my financial needs, not even as a reference. So, I don't even know how/why they would think it was appropriate to share any information with her on any matter.
Consumer complaint received 2022-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (IN)

Today I received a Scam likely call at XXXX, I decided to answer it. A young lady ask is this S*********. I said yes who is this, she said what's your address, I said who is this she said this is Receivables XXXX XXXX now what's the last four digits of your social. I responded I don't give that out, she said we have it anyway. After that she said I owe for a XXXX XXXX bill and said I should settle it. I told her its not mines, she even read off a random phone number i told her I never had that number. She kept on wanting me to take the settlement I refuse because this is not my debt. She became angry, because I would not pay for something that is not mines. 

Shortly, after I talked to my attorney about steps I can take. First, he advice me to file a complaint, after that I can sue for defamation of character and harassment. I am taking my first steps, next I will began the process of suing this company,
Consumer complaint received 2017-11-07
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)

On XX/XX/XXXX I submitted a dispute to credit agency Equifax. I had 3 items that I requested be removed as the debt had not be validated as mine. As of today XX/XX/XXXX I had not been notified of the results. Their online system still shows that my dispute is pending. I called Equifax 's automated line and it also states investigation is still pending. In addition, I spoke to several agents who stated that in their system it showed the investigation was completed on XX/XX/XXXX and that was sufficient, however I was never notified of the results of the investigation and their website still states there is no resolution to my dispute. They offered to send me the results via mail, which I agreed however it has been way over the 30 days mandated by law and under the Fair Credit Reporting Act that they must respond to my dispute. 
I can provide paperwork that shows proof of the above.
Consumer complaint received 2018-04-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: HYUNDAI CAPITAL AMERICA (AZ)

I was purchasing a car under my XXXX and using a CD which required signatures of at least 2 members of the XXXX. We began the signing for the vehicle on XX/XX/11 after establishing a CD with a local bank on a property I was awarded from my my divorce, and because the car dealership was running behind the papers were not completely signed when I had to go to work. My signatures for the XXXX were collected. After I left for work the other member of the XXXX was there to complete the signing for the vehicle and added his personal name for registration and titling of the vehicle without my consent. 

As the vehicle was now registered to the XXXX or ... .. I was compromised from my interest. The individual then registered car in his personal name when it was not in his place to do so and I was damaged. After the registration changed no one would give me information.
Consumer complaint received 2018-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I traveled to XXXX XXXX XXXX on XX/XX/XXXX for a festival i goto every year at the same time and I always put the travel notification on my Chase account so I can use my card while in XXXX. On the evening of XX/XX/XXXX i logged onto my chase online account to see 2 charges one for {$2000.00} and the other for {$600.00} at XXXX XXXX in Washinton which was not charged by me and is definitely not authorized. i called Chase to report the fraudulent activity as the card was still in my possession. The funds were credited back while the claims department investigated the claim. A few weeks later I noticed that the money was once again taken out of my account when I called Chase on XX/XX/XXXX I was told by one of the claims specialists that it seems a card skimmer was used and he would reopen the claim. I went into a branch on XX/XX/XXXX and was told that my claim is dismissed because my 4 digit pin was used on the fraudulent charge. I have never been to Washington state and it seems the purchases were made as cashback at a supermarket. If you review my transactions on my Chase account I made a purchase at XXXX XXXX in the XXXX XXXX which is located in downtown XXXX using my card as it was a chip purchase the fraudulent charge was made 2 hours later in Washington which is impossible for me to travel from XXXX to Washington by plane its a 5 plus hour flight. I have XXXX  statements to show my trip to XXXX, XXXX trips, and purchases I made while in XXXX. Chase has told me there is nothing they can do for me but it seems like my claim was not investigated or investigated incorrectly. I feel as if Chase who I have banked with since XXXX and never had an issue is not even taking the time to look into my situation.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 7 accounts that are on my credit report that do not belong to me I have not authorized signed or used these accounts I need them off my credit asap!!!! 

I have been disputing these since XX/XX/XXXX - Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiries Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2021-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

My wife and I have three rental properties, mortgaged through Northstar dba Mr. Cooper here in Texas. We have the mortgages set up for autopay on the XXXX of each month. On XX/XX/XXXX, our account was correctly debited for {$510.00}, {$720.00}, and {$810.00}. We woke up Saturday, XX/XX/2021 to find our checking account had been overdrawn. Mr. Cooper debited our account SEVEN ( 7 ) times for each of the mortgages, already paid for on XX/XX/XXXX. The total amount taken from us was {$14000.00}. 
A call Saturday morning with XXXX ( our bank ) indicated that this problem had occurred with all of their customers that had mortgages with Mr. Cooper. 
We are now financially whole, we've gotten the charges reversed, but I consider this unauthorized withdrawal of my funds no less than theft. 
I spoke with a cfpb representative, XXXX, at around XXXX XXXX  on XX/XX/2021, who told me that the cfpb does not intervene in any way on these issues, which I found disappointing.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I am having problems with Equifax when my lender pulled my tri-merge ( all three reports ) Equifax indicates there is a Hit Level : Suppressed. I contacted Equifax yesterday to get this resolved and they said they did not suppress my report, they did not freeze the report etc., I was on the phone with them in total for over 2+ hours explained I could send them a copy of the report indicating they are suppressing it. I can not get anywhere with this company and my lender can not pull a true report without Equifax sending the information. This is absolutely unacceptable.
Consumer complaint received 2018-09-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NATIONS DIRECT MORTGAGE, LLC (CA)

The borrower was told he only qualified for FHA lending rather than conventional due to credit and DTI. In which the brokers or underwriter ignored a {$15000.00} XXXX XXXX payoff with substantial equity for payoff. Credit issues left unpaid. In addition to altering closing doc 's cash out terms after three day right of rescission.Then used Mers act to evade fiduciary lending standards according to Reg Z fair lending act in addition to XXXX Court mandate to payoff XXXX /XXXX XXXX  flawed programs as stated in XXXX Court finding XX/XX/2017 2017
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just checked my credit score on XXXX XXXX and XXXX is showing a score of XXXX. I do not understand this as I have no adverse or negative items on my credit report and all my accounts are paid on time with no late payments. No bankruptcy and No judgements. I called XXXX to confirm that there is nothing negative reporting on my credit report and it was verified as nothing negative reporting I asked how can my score be so low? I was told I have to purchase my score. I explained that I would like to have an updated credit report sent to me because my score should be much higher than a XXXX. I was told I already received my report for the year. I again explained to the rep that I am dis-satisfied with this answer and I am unable to view the report online for some reason. I should be able to have another report sent to me for free to see why my score is so low.
Consumer complaint received 2017-11-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (NY)

I have tried to work with Planet XXXX XXXX. I have a XXXX child that requires constant care. I went for help and they filed a Chapter XXXX bankruptcy for me to help me but I want to keep my home. I just started a full time job and had to wait for proof of income. to give to Planet XXXX XXXX. I received a statement stating what my new payments were. I made the payments they sent them back to me. 

I am trying to correct what is wrong. Make a XXXX just installed a XXXX to help with my daughters therapeutic and mobility so that at some point she might be able to move some parts of her body. 

I am looking everywhere for help. Please help me! 
I am working and my new boss is doing all that he can to help me. 
please save my home from foreclosure scheduled for XXXX XXXX, XXXX.
Consumer complaint received 2019-11-05
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: FORD MOTOR CREDIT CO. (IL)

I have initiated several disputes in my credit reports due to incorrect information reporting on my credit reports. I mailed letters requesting disputes to XXXX, XXXX and XXXX on XX/XX/2019, XX/XX/2019, and finally on XX/XX/2019. I received letters back from XXXX  with updates to my credit reports but, I never received one letter from either XXXX  or XXXX. NOT 1 LETTER! In accordance with the FCRA the credit bureaus are mandated to respond back to my disputes letting me know the results of the investigations but, XXXX and XXXX have FAILED to respond 3 TIMES! This is unacceptable!
Consumer complaint received 2018-04-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (WA)

I made travel reservation with XXXX on XX/XX/XXXX and paid {$450.00} with a American Express Serve Card. Later I cancelled the travel reservation in accordance with XXXX and the travel agency policies. XXXX sent an email confirming the cancellation on XX/XX/XXXX. However, the account with American Express Serve shows the {$450.00} " on hold '', which is basically an administrative block preventing the company from releasing the funds. On XX/XX/XXXX I called the customer service center and spoke with both an agent and a supervisor who stated it was up to the merchant to refund the money. I rebutted that the merchant had already sent back the money to American Express Serve and that XXXX had emailed its itinerary showing the cancellation. However, neither the agent nor the supervisor provided a correspondence address or fax number to send any documents to settle the matter. The customer service agents and supervisor claimed the money would return to the card and that American Express Serve would release the hold " on or before XX/XX/XXXX ''. I called the customer service number again on XX/XX/XXXX because I didn't see the money in the account and was disappointed that American Express Serve did not follow through on its claim. I spoke with another customer service and stated the company still hadn't released its hold and the money was not in the account. This agent who claimed again the money would appear in the account by XXXX XXXX  EDT which is XXXX XXXX local time for me. I waited and waited but the company did not return the money. Suffice it to say, American Express Serve took the money with zero intentions of returning it to the account. The company does not adhere to its own policy of refunding money within the 8 day period.
Consumer complaint received 2017-11-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COOLEY ENTERPRISES INC (TX)

XXXX {$19000.00} disputed this car loan with XXXX XXXX automotive and even went as far as obtaining legal representation to have this loan that isnt mines removed from my credit report. XXXX XXXX deleted it and reported it back on my credit which has resulted in lowering my fico with a false credit reporting that doesnt belong to me.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MI)

I have multiple loans through Navient and at some point XXXX XXXX. One of my Navient loans was placed into FORBEARANCE on XX/XX/XXXX. Since obtaining my first federal loan I have been in and out of college and in-between multiple jobs. Navient, XXXX XXXX, and Pioneer have all hounded me in regards to my loans ( by phone and mail ). During the time my navient loan was placed in forbearance I was not employed, living with my dad, and had XXXX income. I distinctively remember telling the woman from navient or XXXX XXXX that I had no way of paying and I did n't know what else to do. She stated forbearance was my only option. I told her I needed to think about it and I 'd call her back. She called ME back three times and on the third time I accepted forbearance. Every time I would talk to someone regarding these loans ( when I had missed payments/on the brink of defaulting ) I was always left clueless and helpless. On numerous occasions I explained I was unemployed with zero income and they 'd offer me some confusing deal ... never once suggestion an income-based repayment plan. It got to the point where I ignored their calls..they were no help. All my loans have defaulted at some point. XXXX/navient, at one point was calling me 2-3 times a day and my family members, even after I told them I had no money to pay and stop calling. All of this took place years ago between XX/XX/XXXX and XX/XX/XXXX, according to www.nslds.ed.gov. I do not know all the information regarding my loans but I believe my loans have been consolidated. I attempted to obtain more information from Navient but their website is n't responding and I am unable to get through on phone. Once again, my loan is on the verge of default. Feel free to contact me for more information. Thanks
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Re : Account Number ( XXXX ) I accept no responsibility for ownership of this debt ; I recently viewed some inaccurate information reporting on this repossession account. Since your supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction I no longer owe the original debt and the information you have on file-is incorrect : ( XXXX XXXX XXXX XXXX  ) Account # ( XXXX ) The true account type for this account is a Credit Sale Agreement. Please remove this account from my credit file immediately.. I look forward to resolving this matter quickly Send me a new FREE updated credit report via mail within 30 days. you only have 30 days to respond or I will file a complaint! 

Sincerely, XXXX XXXX
Consumer complaint received 2019-11-05
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: EQUIFAX, INC. (FL)

I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2019-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Collection Bureau of America Ltd. (WA)

I filed Chapter XXXX Bankruptcy on XX/XX/19. A meeting of the creditors was set and I attended that meeting on XX/XX/19 to which no creditors attended. My Chapter XXXX was successfully discharge on XX/XX/19. I checked with the clerks office to make sure the creditor was listed on the required documentation on XX/XX/19 and they were. So, I called this company twice since that date to get them to remove the said account from my credit report with XXXX and XXXX to which they agreed to do. Since then they have removed the balanced owed on XXXX  but the collection account remains. On XXXX it still shows as being owed and the collection account is still on my report. I have submitted documentation to the credit reporting companies and have gotten little help with the dispute process.