davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX Balance {$110.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance {$30000.00} XXXX  XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$23000.00} TransUnion XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX Balance {$25000.00} XXXX XXXX XXXX XXXX XXXX Balance {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$110.00}
Consumer complaint received 2020-08-19
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. (MN)

I initially contacted Equifax because they were reporting incomplete information on my credit report. They posted an account with no information on who was reporting it. I received a response saying they added the name of the creditor " XXXX  '' after I asked them to delete the account from my report for not reporting it correctly.
Consumer complaint received 2018-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

There are two state tax liens reported on all three credit reporting bureaus that should be deleted. I have requested that these items be removed from my credit report and yet they still remain.
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

I dont want to take to much time but I have been charged several late fees and I just paid it. I refuse to the past 2 months because I am locked out and cant make my payment. The problems I have now also with log in issues is I cant make my payments online and the company is forcing you to pay {$4.00} with a third party and not fix the problem. I feel they are most likely getting compensated from that {$4.00} because it makes no sense that I have been locked out my account 2 months and it cant be fixed.. I requested for a supervisor to call two times no one has. XX/XX/28 by a rep XXXX XXXX. She put in the request it is now XXXX urgent because now this may go on my credit over 30 days! Im going to pay the {$4.00} again and Im furious that is why I made this complaint. They have it in their greeting if you have log in problems please go online to ally/log in. They know this is a problem. Someone called me this week XXXX gave me a temporary password and tried and could not get me signed in. I said get a supervisor to call me I dont want to pay {$4.00}. Ofcourse no supervisor calls. They dont care to fix the problem. They offer 10 days to make your payment I been doing this within the grace period and I have late fees. The past 2 months they know I am locked out and they still charged me late fees. {$570.00} is now {$700.00} owning! I hope Im not over 30 days late I filed this for my protection to the credit bureau its not my fault. I have called so many times and long holds etc no one is fixing the problem. I called yesterday XXXX to make my payment before work and it requires the entire account number but they block it out. They were not opened so I could not pay with no account number. I cant be on hold long XXXX at work. Today I went online to reset forgot password and it says your locked out! You just cant make your payment easy.
Consumer complaint received 2018-06-21
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: Rocket Mortgage, LLC (AL)

I financed my house with Quicken Loans and Allowed them to run my credit twice yet I have 8 credit inquiries from this company disguised as other companies such as XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, and as XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. While the dates in XX/XX/XXXX I admit to because I was trying to buy a house and, XX/XX/XXXX when i let them check it for a refinance opportunity, the rest were not authorized. I spoke with them regarding this situation multiple times and was told that even though they have no proof that i gave them permission to run my credit that they would not remove the inquiries because they didn't have to.
Consumer complaint received 2019-10-02
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Texas Guaranteed (TX)

Trellis Company, the debt collector to whom I have been paying my student loans agreed to accept a smaller portion of monthly payment. After the agreement, they were supposed to send my employer a letter so that they could stop taking payment from my check. It has been almost 2 months, and they have not sent the letter. In the past, I informed them that their method and amount they were taking from my pay was too much and was hurting me economically. They argued that I would have to wait for a hearing from a judge in order to make any changes.
Consumer complaint received 2018-06-20
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. (NC)

I disputed the the account information with experian. XXXX XXXX certified that the information was accurate. Experian by federal law was supposed to do an independent investigation not just take the creditors word for it via computer system. The information furnished to experian by XXXX shows the violations .this account is breaking furnishers rules of the FCRA rules of the FDCPA .plus experian is willfully reporting this erroneous information with no care to my rights or federal consumer protection laws set in place to govern matters such as this
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I am receipt of the Servicer 's letter dated XX/XX/XXXX but having difficulty processing the following statements : : On XX/XX/XXXX, funds were received in the amount of {$300.00}, for the XX/XX/XXXX, monthly payment of {$350.00}, which was short {$47.00}. In addition, they requested If you believe a payment other than those indicated in the enclosed payment history has not been applied to the account, you may provide documentation such as a copy of the front and back of the cancelled check ( s ) or money order or bank statement reflecting full details of the cashed payment, to the address listed in the letterhead above, for further review. 

First, my complaint was not addressed I provided the Servicer with a copy of the money order dated XX/XX/XXXX along with receipts for money order purchase and priority mail delivery. 
Second, I did not receive a payment history record from the Servicer as they stated, nor do I require one. I have been making payments of {$350.00} since XX/XX/XXXX. Therefore I am well aware of the amount of forwarded payments. Third, The Servicer clearly does not want to admit an Error has occurred on their behalf. Instead they redirect or cover the matter at hand. Lastly, I am requesting a copy of my money order received by the Servicer.
Consumer complaint received 2018-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Easy Finance, LLC (TX)

These were suppose to be no credit check and was not suppose to effect my creditand the pre qualification was not suppose to effect my credit score either. Company ended up just hang up on my 3 times when I called. 



XXXX  XXXX, DE XXXX ( XXXX ) XXXX Institution Information Easyfinance XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

I submitted a request to the original mortgage servicer, XXXX XXXX, for loss mitigation. During the process, my loan was sold to a third party without notification from XXXX XXXX, but the third party. The third party, XXXX XXXX XXXX XXXX XXXX, notified me on XX/XX/2019. When I contacted XXXX XXXX, they did not confirm or deny. Weeks later, I finally received a letter from XXXX XXXX indicating that my loan was being sold to Fay Servicing. Fay servicing mailed out statements, etc ... When I called them to determine the status of the loss mitigation, I was told that all of the paperwork would be on file from XXXX XXXX and that my account manager would follow up. Each time I call I can not get an answer. My most recent phone call interaction was information telling me that the loan has been sold to yet another servicer as of XX/XX/2019 and I should have received correspondence. I have not. I am fearful that these companies are playing the shell game with my mortgage in an effort to avoid processing my loss mitigation request and move to foreclosure of the subject property. How can my loan be sold in less than 30 days?
Consumer complaint received 2019-10-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Hello, to begin with. This issue involves my Lender LoanCare https : //www.myloancare.com/. They took over my loan from XX/XX/XXXX. As of that date, my husband and I approved for them to be in charge of paying the Home taxes and the Home Insurance through Escrow. We have been paying them an extra {$420.00} dollars every month for them to pay a yearly tax of about {$2400.00} to {$2600.00}. Our mortgage including taxes and insurance equals to {$1300.00} a month. Recently, our mortgage payments keep going up. The Lender " Loancare '' advised of our mortgage payment to go up to {$1600.00}. My husband called to investigate why it would be going up so much. Loan care responded with XXXX County taxes are going up {$1200.00} more than last year and Insurance is going up ''. this call ended in just that. No more questions asked from my husband. Next, we took it upon ourselves to call the XXXX XXXX County Tax Collector and they advice us that the taxes actually went down {$60.00} dollars, and whomever gave us that information is incorrect. We also called our insurance agent we had been in business for years with, they also communicated to us that insurance went down a couple of dollars this year! So then, we asked the Tax collector for information on our yearly taxes. It states that our mortgage company or Lender LoanCare, NEVER PAYS THE TAXES ON TIME, AND IT IS ALWAYS A YEAR BEHIND! as a matter of fact, they just paid the home taxes of the year XX/XX/XXXXTHIS YEAR! they have yet to pay two delinquent taxes from the year XX/XX/XXXX! and This company " LoanCare '' is asking us for more money! Loancare wants {$800.00} dollars more! to pay for taxes, because they are behind. So I called XXXX and I told them my concerns, I assured them I know what is going on and that all of the taxes are behind and they barely made a payment on the taxes of XX/XX/XXXX. I asked them why should I pay them more when they are not doing their job? and I also asked them for copies of all the Escrow account and they denied it! they did not send it to my email like I ordered. Please help me get to them. They do not care about what I say and what I ask from them. they are not helping me resolve the issue, and it looks to me that the escrow money I have been sending them, they have not been using it for what it is for.
Consumer complaint received 2020-07-17
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2017-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company has inaccurate information on my credit report and I want it off my report. I contacted XXXX, TransUnion, and XXXX on several occasions more recently on XXXX XXXX, 2017 and demanded that they remove the bankruptcy off my credit report because they violated the Federal Trade Commission and the Fair Credit Reporting Act when they claim they verified the information through the court system. I have a letter from the XXXX XXXX XXXX XXXX that clearly states that they now nor ever validate or verify a bankruptcy. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. Therefore I would like it deleted from my account immediately. I am strongly considering a small claims lawsuit if the credit bureaus do not take this off my credit report no later than XXXX XXXX, 2017.
Consumer complaint received 2021-11-02
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: National Credit Systems,Inc. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on NATIONAL CREDIT SYSTEMS. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-08-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (FL)

Hi, my account was breached since I received my S.S. Benefit check dated XXXX. I have no money to pay my bills and I am being threatened by the utility companies that they will shut down my services. I am a Senior Citizen and XXXX. 

I called and filed a fraud report with Suntrust and was given a case # XXXX. My account appeared to be a negative {$12.00} and change on XXXX. The representative closed the account and issued me a new card which I received today XXXX. I checked my debit card account and now allegedly owe almost XXXX on a closed account. How is this possible! I have been with SunTrust for many, many years with no problems until the merger began. 

I need and demand that my account be restored to XXXX with my entire S.S. check of {$1100.00}. so that I can pay my bills. I am a XXXX XXXX  survivor ( last one out of the XXXX XXXX ( with XXXX XXXX XXXX   and many other ailments ).
Consumer complaint received 2018-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've been signed up for a {$19.00} service from TransUnion. It started on XX/XX/2017, and I've since been charged on XX/XX/2017, XX/XX/2017, and XX/XX/2017. I never contacted TransUnion to set this service up. The only way I even discovered what it was is because the bank statement says " TU *TRANSUNION XXXX CA '' and on their website it looks like their monitoring service is the same {$19.00} price.
Consumer complaint received 2020-07-17
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2023-02-07
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: Marlette Funding, LLC (NV)

I notified Best Egg of their violation of my consumer rights and requested that they correct their improper reporting of my account with them. They sent me a response informing me of their refusal to comply with consumer law and in their letter to me, they claim that their written agreements and policies shall remain enforced regardless of what my rights are or what the law says. 

They are in direct violation of FCRA 15USC 1681a 2Ai and 5. 15 USC 1681n
Consumer complaint received 2018-06-06
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: JPMORGAN CHASE & CO. (IN)

Hi, I applied for an Auto Loan at XXXX and XXXX XXXX.

But I see about 5 more extra hard inquiries on my credit report to whom I have not even spoke or had any business associations with.

I wanted the inquiries made by them to be removed from my history.

Below are the firms which made hard inquiry on my credit report on XX/XX/2018 : 1. XXXX XXXX XXXX XXXX 2. XXXX 3. Chase Auto 4. XXXX XXXX XXXX 5. XXXX I tried reaching out to the customer care numbers, but the menu options are members centric whereas there seem to be no way to file a complaint related to credit report pulls.

I kindly request for your help on the same.
Consumer complaint received 2020-07-17
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. (TX)

I have had a Southwest Credit card ( through Chase ) for over 7 years. Rarely do I keep a balance, never late or " maxed out ''. Recently, I added several authorized users ( which is allowed according to their policies ). I got a phone call from them to confirm that I authorized this and all seemed " good ''. A month later my accounts ( had an Amazon as well ) are closed. When asked why they closed my accounts they said that " too many '' accounts had been opened and the account was being used " incorrectly ''. I have " No balance '', the authorized users ( with the exception of one ) are under the age of 16, I have not recently opened any other accounts, they allowed me to add users, I have paid my bill consistently on time, I've had this account over 7 years ( in perfect standing ) and when calling to inquire I am put on hold multiple times, told to wait for the letter in the mail that will explain more as to why the account was closed and then, finally told that there isn't a manager available and someone will call me with in 24 hours. This closure was without notification has had a snowball effect. My credit is affected and embarrassment when attempting to make a purchase and the card is declined!!!! As of this writing no one has contacted me.
Consumer complaint received 2018-06-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Performant Financial Corporation (MA)

I stopped receiving notifications regarding the balance owed to lender. Over the past previous months I sent several payments but they were not acknowledged. Please assist. History of payments : XX/XX/XXXX ref XXXX XXXX, XX/XX/XXXX ref XXXX XXXX, and XX/XX/XXXX ref XXXX XXXX. The first 2 money orders were from XXXX XXXX XXXX and the last was from XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-07-17
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2020-07-17
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2018-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (TX)

I went to pay my PayPal bill on XX/XX/2018 on line. Could not bring up payment screen. Called PayPal about the issue and was told my account was on hold for Bankruptcy, I informed them I am not bankrupt, never have been, nor filed for bankruptcy. Was put threw to their investigation department, was told to call back in 10 working days which I did. Was told that I was still under investigation. That I would get a phone call or letter to the results of this investigation. Almost a month has passed still no call no letter. Account still frozen.