davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-30
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. (KS)

I bought a XXXX XXXX XXXX from XXXX XXXX XXXX XX/XX/2017, since then the battery has died on the vehicle 3 times already. I have had the battery checked and the battery cells are fine. So on Monday XX/XX/2017 I called and spoke with XXXX who stated that it sounds like the alternator is going out and that they can finance the repairs which will be in addition to the {$380.00} I already pay a month!!!!! That is totally unacceptable seeing that I just paid to register my vehicle XX/XX/2017! I would not recommend this lot to anyone. I have to choose between paying my truck note or paying for repairs which I can not do every 2 weeks! Let a long can I afford either missing work or being late to work especially when I am making my payments consistently on time! 

After going back and for trying to figure out what was wrong, being told by the delearship and others who had tested both my alternator and battery that stated there was absolutely nothing wrong with my alternator and allowing XXXX XXXX to replace the 2-3 batteries that they replaced I was tired and over the whole situation and allowed them to have the truck back after 11 months of XXXX ... .So before they picked it up the manager over XXXX called and tried to rectify the situation by saying.. '' Mrs. XXXX as I understand you are a highly valued customer with a great payment history and we want to try and help you ''. Yes of course they want to help after they are not going to receive another payment. However at that time I was able to obtain a more reliable vehicle from a lot I know for an absolute fact will get the job done. 

I am upset at the fact that after paying on time for 11 consecutive months I have a repossession on my credit that I totally disagree with. Not to mention the text messages from 'XXXX  '' after they had already had the vehicle to try and prove a point to say it was nothing but the alternator after so many times of me either missing work or going later for an alternator their shop said was fine. 

I would like the repossession that is being reported moved off of all my credit buerau reports that it is being reported to.
Consumer complaint received 2022-05-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-06-25
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. (IL)

My open XXXX XXXX XXXX XXXX was removed from my credit report. XXXX told me it was because the lender ( XXXX XXXXXXXX XXXX ) told them to do so. I called both parties who blamed one and other and told me there wasnt anything I could do. My account is sure to and paid with a XXXX $ availability. Therefore inaccurate information is being reported. Im not receiving proper information and its directly affecting my credit which I find very unfair! Please help me
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

I bought a XXXX XXXX XXXX from XXXX XXXX XXXX XX/XX/2017, since then the battery has died on the vehicle 3 times already. I have had the battery checked and the battery cells are fine. So on Monday XX/XX/2017 I called and spoke with XXXX who stated that it sounds like the alternator is going out and that they can finance the repairs which will be in addition to the {$380.00} I already pay a month!!!!! That is totally unacceptable seeing that I just paid to register my vehicle XX/XX/2017! I would not recommend this lot to anyone. I have to choose between paying my truck note or paying for repairs which I can not do every 2 weeks! Let a long can I afford either missing work or being late to work especially when I am making my payments consistently on time! 

After going back and for trying to figure out what was wrong, being told by the delearship and others who had tested both my alternator and battery that stated there was absolutely nothing wrong with my alternator and allowing XXXX XXXX to replace the 2-3 batteries that they replaced I was tired and over the whole situation and allowed them to have the truck back after 11 months of XXXX ... .So before they picked it up the manager over XXXX called and tried to rectify the situation by saying.. '' Mrs. XXXX as I understand you are a highly valued customer with a great payment history and we want to try and help you ''. Yes of course they want to help after they are not going to receive another payment. However at that time I was able to obtain a more reliable vehicle from a lot I know for an absolute fact will get the job done. 

I am upset at the fact that after paying on time for 11 consecutive  months I have a repossession on my credit that I totally disagree with. Not to mention the text messages from 'XXXX '' after they had already had the vehicle to try and prove a point to say it was nothing but the alternator after so many times of me either missing work or going later for an alternator their shop said was fine. 

I would like the repossession that is being reported moved off of all my credit buerau reports that it is being reported to.
Consumer complaint received 2022-05-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-09-08
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: TRUIST FINANCIAL CORPORATION (MI)

Sheffield financial- inquiry from XX/XX/XXXX XXXX XXXX- inquiry from XX/XX/XXXX XXXX XXXX- inquiry from XX/XX/XXXX XXXX XXXX XXXX- inquiry from XX/XX/XXXX XXXX XXXX- inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX- inquiry from XX/XX/XXXX XXXX  XXXX- inquiry from XX/XX/XXXX These inquiries are all fraudulent Ive tried to get them off through all credit bureaus and the companies but all I do is keep getting letters..
Consumer complaint received 2018-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. ()

XXXX XXXX transferred my mortgage to Mr Cooper. After the transfer there were two payments that XXXX XXXX did not send to MR Cooper. They kept the payments for three months and later sent them back to me. Mr Cooper is charging me late fees and reporting me to credit bureaus. They are being really difficult and refusing to remove the late chargers and refusing to fix the credit bureau reports. 
My loan number is XXXX
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX  is allowing Portfolio Recovery Associates to attempt to double dip on their debt recovery. 

I paid them off. Last week. It said 10 days to notify the agency. 

I checked today it was updated, but theres still a balance. When I called PRA, they said they have up to 30 days and they dont submit the information for removal from report until the last day. 

So they wont tell the company I paid, for at least 30 days. Then, they wont give me any contact information for the department that handles it. No one is a supervisor with that information. And they defer to policies, that if they are as they state them to be, completely illegal and superimpose conditions that make the initial contract worthless. 

I paid XXXX to have it off my credit by XXXX. Not for them to send information on XX/XX/XXXX, according to their agent that hung up in my face, and then wait another 30 days for removal. 

I know it can be done faster because Ive had it done faster as a consumer and I used to work for a debt collection company. 

Policies can not fly in the face of agreement and set law. 

Remove this from my account now, or lose payment altogether.
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1400.00}, dates open XX/XX/XXXX closed XX/XX/XXXX. 

XXXX XXXX ( aka XXXX XXXX ) - balance is showing as {$480.00}, XXXX XX/XX/XXXX, opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (WA)

Mid XX/XX/XXXX checks were stolen from our financial advisors office. This account was closed on XX/XX/XXXX. XX/XX/XXXXmy credit union denied payment on a electric funds transfer to XXXX on XX/XX/XXXX for {$620.00} using the account number of stolen ( thus closed ) account and mailed me a notice. About 2 weeks later I received notice from XXXX XXXX XXXX that they were trying to collect a debt for XXXX store # XXXX. I sent them a letter explaining the situation and received a letter back asking for more documentation. 
I then found the location of XXXX # XXXX. It is in XXXX, WA, about a 2 hour drive from my home. I do not shop at XXXX at all and there are 3 or 4 in my area. I then called XXXX county law enforcement where XXXX is located. After taking my report they went to XXXX # XXXX to investigate. XXXX had no record of a purchase on the date of the EFT, nor for a for a few days prior or later. Law enforcement unable to reach TRS by phone but did see online comments about them for the same type of situation. Advised me not to communicate with them further as this is probably a scam.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

My personal information was used to try to open 3 new credit cards. Experian credit was involved in the inquiry. A credit card application was attempted from : XXXX  XXXX, XXXX, & XXXX XXXX XXXX.
Consumer complaint received 2020-07-24
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: CITIBANK, N.A. (CA)

Hello there! 

I was supposed to get married on XX/XX/2020. Unfortunately, on XX/XX/2020, I received notice from the venue XXXX XXXX XXXX XXXX that they were going bankrupt and would not be refunding me the {$17000.00} that I had paid them to date in fully-refundable deposits. I contacted my credit card company ( Citi ) and was told generally that they would likely be able to credit me the amount, but that I would have to file disputes through various formats. {$4500.00}, which was the amount charged within the last XXXX months, I was able to dispute through Citi 's online portal. I have since received a permanent credit of {$4500.00} for that dispute. 

The remaining {$13000.00}, I had to dispute via a package that I mailed in to Citi. Prior to being able to mail it in, however, I had to collect all of the statements for both my card XXXX {$7100.00} worth - a {$4100.00} charge, and a {$3000.00} charge ) and for my father 's card, as he had paid {$6000.00} ( two {$3000.00} charges XXXX to our venue as a wedding gift. To do this, I had to speak to yet another round of Citi representatives, get my elderly father on the phone, and get his verbal authorization to proceed. I then bundled everything up and mailed it in via USPS certified on XX/XX/2020. I received confirmation through USPS it was delivered on XX/XX/2020. 

Over the months since then, I have tried numerous times to get someone to help me with my dispute. On XX/XX/2020 I was told they could not find my dispute package and that someone would reach out to me within 1-5 days. Nobody ever did. On XX/XX/2020 I call back, spoke to a manager and was told I would receive a call back within 2-4 days. I never did. I called many more times over the following weeks and months and was told it was in process and would be taken care of, but they could never give me any details. 

On XX/XX/2020, I finally received an email saying that a dispute for {$4100.00} had been opened and asking for additional documentation. I provided the documentation but requested confirmation that the other charges ( three charges for {$3000.00} each ) would also be disputed. I sent multiple emails and made multiple phone calls, but never received confirmation. I have since received email notices that my {$4100.00} dispute is working its way through the system, but I can not get anyone to tell me that anything is being done with the other {$9000.00} in charges that I provided documentation on. 

I am losing my mind. I have spent over 40 hours on hold or on the phone with Citi. They can not seem to call me back, email me, or otherwise provide any support for the disputes that I have submitted. 

Please note, the credit card I am providing on the following page is my current card with Citi. I no longer have the card that I paid with that I am disputing.
Consumer complaint received 2019-08-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (OH)

I talked to billing number on statementI received. I have XXXX XXXX XXXX and could die anytime. This is medical bill. I offered to pay {$15.00} every month to keep it from going into collections, and if I had more on certain months I would send it. They said that was not enough for them. They would ruin my credit. Which they did. I. have perfect credit they have now ruined. If they do not remove this I will contact the Ohio State attorney generals office. Thanks for your help.
Consumer complaint received 2018-03-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

CREDIT SYSTEM INTERNATIONAL CLAIMS I OWE A {$39.00} DEBT Date Date Created : XX/XX/XXXX Date Debt/Collection : XX/XX/XXXX Amount of Debt : {$39.00} I ask the Debt Collection Company to properly investigate this debt and they have refused to do so which is in direct violation of the fair debt collection laws. If this company does not accept my dispute request then I will file a complaint with the FTC and the Attorney General 's Office of Texas. 

I am told by this Debt Collection Company that this Debt is in favor of XXXX XXXX XXXX XXXX. I'm not sure how this debt was created but this debt was not created by me.
Consumer complaint received 2021-06-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I noticed my card was missing so I called my bank to let them know we found a couple of unauthorised charges on my account and we disputed it. A few weeks later I saw the charges posted on my account with a letter saying that they couldnt determine if there was a fraud based on no information. I called the bank again and the my decided to reopen the case and since then I havent heard anything from them tried to call a few times with no straight answer. This complaint will be my first step before going to the legal direction.
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: EQUIFAX, INC. (OH)

I have a account listed on my credit report that is not accurate from XXXX   XXXX XXXX XXXX XXXX # XXXX this account has never been verified and the balance reported is not accurate. This account I am disputing under 609, 623 FCRA. I have no documentation to show that it is even accurate. Please remove this account until I have a copy of the paperwork for my own personal review.
Consumer complaint received 2021-07-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ZENCO COLLECTION, LLC (TX)

I have gotten 5 calls from this company, I do not owe a debt to them or anyone else. If theyre claiming I do, I want the paperwork as well as their license to collect in the state of Texas and who they bought my information from.
Consumer complaint received 2019-08-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

I received numerous notices and calls from PennyMac to refinance our home which is currently financed through them. After I initiated a call to XXXX and spoke to XXXX XXXX who portrayed inaccurate information and extremely high loan costs to me while trying to portray how great of a deal this was. He almost had me convinced until I asked some questions and carefully reviewed the loan estimate documents and realized between the numbers he quoted me on the phone and included in e-mail were inaccurate and did not correlate to the loan estimate document. XXXX XXXX even portrayed or stated he was a vet which had me more convinced this was above board. Although Im not certain whether he was honest about his military service, based on my revealing and confirmed with my son and another mortgage entity that the loan costs were hugely inflated, the immoral behavior is simply inexcusable and as a consumer, I request action. I saved the emails and printed copies of the documentation he sent me. After I contacted my son who was in the mortgage business, I realized XXXX XXXX was overcharging us by anywhere between $ 8k and $ 10k in loan costs which I believe PennyMac and XXXX XXXX are returning those additional funds to the bank, lenders or loan officers pocket. I have notified XXXX XXXX to cancel our loan request but am concerned as to the security of my PII information and the unethical practices of PennyMac and its employees.
Consumer complaint received 2018-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MO)

XX/XX/XXXX. {$1500.00} XX/XX/XXXX. {$4400.00} XX/XX/XXXX. {$4300.00} XX/XX/XXXX. {$2900.00} Ive called the company to ask about sending the original paperwork and my signature. Also asking how is it valid/legal for a minor to sign for such significant amounts being under the XXXX.
Consumer complaint received 2022-08-12
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I have attached a documents that clearcly shows inaccuracies, specially the reported payment history.