davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-10
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. (CT)

Dear Sir or Madam, This letter is intended to request the XXXX XXXX XXXX to remove a negative mark that was annotated on my credit report. In XX/XX/2016, my XXXX XXXX car lease ( account # *** ) expired and my account was closed ( return date and last payment : XX/XX/2016 ). Payment was provided to XXXX in person at their dealership at the time of the ownership closeout. XXXX however did not update their records and continued charging a property tax under my name for another full year on a car that I didnt own. XXXX submitted their bill to collections and now my score has lost over XXXX points. 
The issue was resolved with XXXX as they received proof from the XXXX that showed the XXXX XXXX has not been registered in my possession for over two years. I am attaching the same proof the XXXX provided to show the car was not in my possession at the time of the annual property tax requirement. I am asking the credit bureau to remove the negative mark given the circumstances and proof furnished in this letter ( and attachment ). 
Supporting Document Enclosed : - XXXX Proof of registration cancellation.
Consumer complaint received 2017-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ORG GC GP BUYER, LLC (PA)

I spoke with a representative and she did an analysis of expenses and quoted me a payment based on information I was asked verbally. She asked that I provide pertinent documented information originally quoted a verbal payment but used an calculation and was told after they received documents requested this could change. After providing information requested that they would send me letter stating payment I signed and dated the documents that came in much lower then the original quoted payment. I called to confirm that the new amount after receiving documents this would be my monthly payment which was about 40 or so less than I agreed signed the paper work called and confirmed receipt and verified payment. XXXX I received a letter dated XXXX and I called because the payment was my verbal payment not the payment agreed upon and my signature in signed documentation. Spoke with a representative name XXXX XXXX who told me that it would take 72 hrs to correct the descepency and my payment would be the verbal about this per XXXX I had an option to pay {$59.00} a month which was never relayed to me as an option. I agreed to pay the debt with my personal banking information and verified that the payment would now be the XXXX XXXX.aFter the signed and dated agreement Im trying after a major job setback to payoff old debt. I have been treated with such disrespect from the XXXX XXXX XXXX and his subordinate on Monday Ive asked him to review may previous call stating the the representative assure me my payment would now be XXXX dollars only two receive a notice by mail it would be the original XXXXafter review the my recorded call in in XXXX XXXX was unfair in his this company asked that you call to verify receipt of email document which was compeleted only to find that they took the original amount after threatening to garnish would be received. They did not stick to the original agreement and assessed monies they now say you have to call and arraigned a new payment but they never told you your original payment could be less than there system had calculated. XXXX also after I caller and that a representative assured me of payment And was told he would review on Monday and it is Thursday after speaking with him he seemed disconnect with an attitude they he even had to address this complaint without resolved they Are taking more out of my account they agreed upon and didnt even try rectify my concerns
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WA)

Synchrony Bank had established a credit line through their care credit program with me but closed my account without consent. They claim I am a high risk creditor, but I didn't carry a balance with them nor did I ever have a late payment with them. My overall on time payments is 100 % across all credit reporting agencies. I have a low balance to credit profile as well. This bank didn't contact me in regards to the closure. The closure negatively impacted my credit.
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX  has recently changed an account ( XXXX XXXX XXXX ). It was corrected in the past as account never paid late. This was finally fixed after I disputed it several times. Now XXXX  has changed it back as having a 30 day late payment. This is wrong. Ive contacted XXXX about this issue and was told by a rep that it will be corrected as this account was never paid late. XXXX keeps changing the payment status on this account. My credit score dropped 52 points due to this wrong information
Consumer complaint received 2023-03-26
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. (CA)

I had complained to all 3 credit reports that account that were discharged in my bankrupcy should not be showing because they were discharged, the have wrong dates of filing and Bankrupcy court did not report to them. XXXX XX/XX/22 also i had put a credit freez on my credit because my id came up missing, people were still able to run credit with notifying me which in curd 65 hard inquires that i asked to be removed, Account XXXX XXXX XXXXXXXX XXXX it was filed on XX/XX/22 not in XXXX pls remove due to the fact that is in accurate info.
Consumer complaint received 2020-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I submitted a dispute with Transunion for a XXXX XXXX Card account regarding a late payment in mid XXXX. The late payment they are reporting is from XXXX of XXXXThe investigation was concluded on XX/XX/XXXX of XXXX. Upon completion the balance reported was changed to the balance of the previous month which was higher. The result of this was my Transunion mortgage score 4 decreasing. The higher and incorrect balance reported of {$50.00} is incorrect and has damaged my process in my dream of buying a home.
Consumer complaint received 2020-12-02
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: Experian Information Solutions Inc. (FL)

Look once and for all I am a human sending this message. I am not a credit repair company lets make that clear. I am XXXX and this is the final attempt then I will litigate this situation. I have sent my utility bill, documents to prove my address and identity. Please do not insult my intelligence please. I wont repeat myself on the dispute that was sent a few days ago I will attach the pictures below. I wont continue to accept a letter or message saying that I am credit repair company. This will go into litigation if you dare to send me any message or letter saying that I am not myself this is XXXX XXXX. The date in my letter is from XX/XX/2020, second attempt to reach Experian my first attempt was in XX/XX/2020, I didnt receive any response prior, my last was contacting the CFPB because its been more than 90 days. I sent this through CFPB to keep a record if Experian tries to lie and say they never received any letters and documents. I also have the certified mail on record if you continue to play as if you are not receiving my letters and documents. I am a real life civilian not a computer or repair company please dont send me any bogus. Fix the issue and remove in the misleading and false XXXX you violated.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MA)

Chase closed my XXXX XXXX XXXX XXXX on XX/XX/XXXX. The card had been opened about XXXX months prior with a XXXX Line of credit to facilitate my flying on United airlines. I did receive the bonus miles promised. I received a letter, dated oddly enough, XX/XX/XXXX with the following words : " XXXX XXXX have an obligation to periodically review our customer relationships. We decided to close your credit card account on XX/XX/XXXX because of your connection to a publicly reported financial investigation. '' The letter is attached. I have an XXXX XXXX XXXX of XXXX at this moment ). It was over XXXX when I got the card. I believe the decrease is because of the increase in my percentage of credit due to their closing my card. I am retired and not involved in any financial or business dealings. I pay all of my bills and taxes. I am not under any type of investigation to my knowledge. About XXXX weeks ago I was able to reach someone at Chase ( A number of transfers ) that agreed to have the case reviewed and revert by mail in 10 Days. I have just received a letter thanking me for my valued business! No one at Chase will discuss this event with me under any circumstance. I am concerned about the effect on my otherwise stellar credit rating that I worked so hard to achieve! I also just applied for a card from XXXX XXXX and was rejected but I think that is because my credit accounts are all locked. I am not used to this. 

Attachments Chase XXXX XXXX XXXX ( XXXX KB )
Consumer complaint received 2020-12-02
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 (CA)

XXXX XXXX was asked for varification which I never received. XX/XX/XXXX said it was verified with all the errors on report. XX/XX/XXXX saw dates were off balance study collecting interest. A collection shall not collect late fees once it hits credit report. XX/XX/XXXX mostly at fault due to not investigating correctly.
Consumer complaint received 2017-12-14
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. (DE)

I am filing this complaint because XXXX, XXXX, and Experian, has ignored my request to provide me with the documents with SIGNATURES that their companies have on file that was used to verify these accounts I disputed. Being that they have not adequately verified these accounts under Section 611 ( 5 ) ( a ) of the FCRA -they are required to properly delete all information which can not be verified that I have disputed. Please resolve this matter. Thank you
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (CA)

I paid my credit card off on XX/XX/. Two days, I went to check to make sure that there was a XXXX  balance. To my surprise there was a {$20.00} fee applied to my account. I paid that balance. Today I received another email informing me that I owed {$56.00}. I called Discover to inquire about this new balance. I was informed that because I paid my balance two days after the due date, I was charged interest and late fees. I was very upset with the company. I told the company that they were penalizing me for paying off my balance. Something needs to be done to prevent companies, like Discover, from penalizing individuals from paying off their balance. The company will try to hide between a false narrative about when I paid my balance. The truth is Discover is penalizing individuals for paying off their balances.
Consumer complaint received 2022-04-26
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. (NJ)

I had requested for an investigation with the three major credit reporting agencies within my rights under the Fair Credit Reporting Act. I disputed the accounts attached to this complaint and the credit reporting agencies claimed to have verified the accounts which also included a bankruptcy public record. I found the credit reporting agencies alleged verification as sketchy due to the fact that information was still reporting inaccurately for the disputed accounts and the United States Bankruptcy Court for the District of New Jersey has already confirmed that they don't furnish any information to any credit reporting agencies including XXXX but the three major credit reporting agencies claimed to have verified the bankruptcy with XXXX which is impossible because the bankruptcy has already been disputed and removed from my XXXX credit report. 

The three major credit reporting agencies stated that the accounts and bankruptcy was properly investigation but how is that possible if the account type is inaccurate and the bankruptcy reference number is not accurate. This is ground for removal as they violated my rights under 15 U.S.C 1681 section 602 A which states I have a right to privacy and under 15 U.S.C. 1681 section 604 A which states they credit reporting agency can not furnish information without my written consent. Also, the credit reporting agencies never sent me results for my dispute request and I had to get updates through my credit monitoring account with Experian but I never received anything in the mail.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I have an escrow account with my mortgage servicer Mr. Cooper. The escrow account pays my property taxes and school taxes and home insurance. Mr. Cooper is refusing to process the payment to pay my school tax bill despite me sending them a copy of this bill back in XXXX. Ive called them numerous times and they are claiming that in their system, the bill was already paid. It wasnt paid. Mr. Cooper even tried to send me a refund check claiming that my escrow account had an extra {$2000.00} that was not needed. The extra {$2000.00} was for the school tax bill that they never paid and then marked it as paid. This is so frustrating. I got a late notice from the county that I now owe an additional {$210.00} late fee on top of my school tax bill. Im not going to pay a late fee on a bill that should have had the payment processed from my escrow account back in XXXX when I sent them the bill. Its now XXXX and they still havent paid the school tax bill and the extra {$2000.00} sits in my escrow account. I dont know what to do. I keep calling and they refuse to process the payment. This needs to be fixed ASAP.
Consumer complaint received 2020-09-01
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. (FL)

For longer than past 2 year 2 collection accounts are been impacted my credit records. To start the been reported for investigation because they are not mine, but every single time the collectors re selling the account to another company and the get away with that to report the accounts over and over. After request investigation from the 2 out of 3 credit companies XXXX and experian they concluding the account are valid and they do not change or modify my report. 
Collection companies send me a letter asking to send a police statement to prof is fraud, after contact XXXX county sheriff office, they told me they are not in charge of these investigations, the job is done by credit agencies. Well my attempts fail over and for more than 2 years and credit agencies not providing anything back to me to validate the fraudulent accounts same as the multiple debt collector that these accounts are been pass over and over. When I call them they just tell me the call is going to be recorded and ask me my name and personal information to access the system after that the questioning back if Im the person on the account and after mi confirmation now Im confirmed the account is mine they told me in bed to paid and is recorded and they disconnect the call if Im no agree on what they said. Same thing happening today as I called Experian fraud department and XXXX took my call she asked me my social and after Im pausing to times and she warning me about not guess just one shoot to provide the number she said thanks for calling Experian have a great day and hand up  the phone on me. 
Same as the debt collector when Im not accepting the accounts are mine. Seems like Im obligated to said yes they are mine accounts even when they are not and pay for something is never been use or order by me? As the only way to solve the problem. Very frustreted.
Consumer complaint received 2023-07-26
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. (NJ)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-04-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

I was scammed by someone, filed a complaint with chase bank and received a piece of mail in writing that says I had my money returned. I tried calling the corporate office and have not heard back.
Consumer complaint received 2023-02-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Celebrity Financial, Inc. (MO)

I was employed by XXXX XXXX XXXX. I closed four FHA loans and was supposed to be paid on XX/XX/. We received a letter on the XXXX XXXX that we were all to be let go by XXXX and they didn't have the money to meet payroll and we wouldn't get our final checks. On XX/XX/ we received another letter that stated we would be paid out our XXXXXXXX   payroll on XX/XX/XXXX  once again I never received my compensation. My comp plan is attached I should receive 1.5 % of the total loan amounts as I was the XXXX XXXX
Consumer complaint received 2023-03-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

In accordance with Fair Credit Act, everything has to be 100 % accurate on my credit report. The credit bureaus said my accounts were properly investigate ; however, there are many inaccuracies such as date opened, number of months ( term ), payment status, and last reported date. This is grounds for removal and they have also violated my rights under 15 U.S. Code 1681. Please remove XXXX Account # XXXX Thank you, XXXX XXXX
Consumer complaint received 2021-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

Approx. XX/XX/2019 My homeowner insurance company moved out of state cancelling my policy. Shellpoint Mortgage Services began paying for my insurance. On XX/XX/2019 Shellpoint was notified on their site that we had supplied our own insurance for the year. Shellpoint has continued to pay monthly insurance premiums in spite of this communication. Once our escrow was depleted we were requested to pay an increase without notification of the reason. I have on numerous occasions proved we have up-to-date with insurance. We have been paying extra for about 20 months. recently we've been harassed to pay extra funds to make up escrow amounts and have been charged penalties. I have spoken to 8 or 9 persons from XXXX XXXX XXXX, XXXX and Collections divisions indicating either we owed or were getting refunds for the errors. I received calls after XXXX XXXX  one evening from both Collections and XXXX XXXX. I've asked Division level staff to get involved and have been promised return calls that never happened. I am still awaiting resolution and am concerned about my credit rating.