davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
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: EQUIFAX, INC. (CA)

There are 13 Accounts on my credit report that do not belong to me I have disputed this with the bureaus and furnishers and I am getting nothing back. I am spending so much time on these accounts and they dont even belong to me I am trying to see why nothing is being done for this. 

XXXX/XXXX  - XXXX - Amt {$1600.00} XXXX  XXXX XXXX - XXXX  - Amt {$4300.00} XXXX  XXXX XXXX - XXXX  - Amt {$5800.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX {$4200.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2400.00} XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$10000.00} XXXX  XXXX  - Acct # XXXX Amt {$26000.00} XXXX XXXX  XXXX/XXXX  - Acct # XXXX Amt {$590.00} XXXX XXXX XXXX - Acct # XXXX Amt {$870.00} XXXX XXXX XXXX - Acct # XXXX Amt {$3000.00} XXXX XXXX XXXX - Acct # XXXX Amt {$700.00} XXXX - ACCT # XXXX Amt {$3000.00} XXXX XXXX XXXX - ACCT # XXXX AMT {$10000.00}
Consumer complaint received 2018-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

All three of the major credit reporting agencies ( Trans Union, XXXX and XXXX   ) are not up to date all the time on or reporting bogus information on me of which creditors look at this information and take it as being totally correct.

It also doesn't make sense that when one credit reporting agency fico score on me increases the others go down and vice versa.

When I apply for credit such as a car loan the creditor looks at several lending institutions with the best interest rates for my loan which gives me a " ding '' each time an inquiry is made and adds to my Hard Inquiries which in turn lowers my score ( I'm just trying to get the best interest rate ).

This also doesn't make any sense, for example, my fico score reads XXXX when my Positive Negative Credit Card Use is : 5 % Credit Age : 3 Years ( although I have 20+ years ) Payment History is : 100 % Hard Inquiries : 10 ( lowers score just for checking ) Derogatory Remarks are : 0 Total Accounts are : 21 WHAT IS UP WITH ALL OF THIS BAD REPORTING?
Consumer complaint received 2021-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I am being contacted by a company that says I owe unpaid rent for an apartment from over three years ago. I called the complex and the property was sold to a new owner. I was never contact by the complex about unpaid money and I have confirmation that everything was paid up.I was emailed about the debt and I emailed them at the address in the email asking for further information and got no response. I call the number listed in their email and it says the call can not be completed " at this time ''. They want about {$100.00} that I don't owe, but I can't get ahold of anyone there.
Consumer complaint received 2018-07-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (GA)

HHgreg/SYNCB/SYNCHRONY : This was a debt that my ex-husband applied for in my name. With going through a tumultuous divorce, I didn't know anything about it until a few years ago when I tried to repair my credit then and offered them {$1100.00} and they said NO.. they wanted the full amount of {$1900.00} and threatend to hire and attorney and take me to court. Shortly after I lost my job, I was in a hardship from my divorce, not getting child support or alimony to help with bills.and then losing my job and my mom passing in 2014, I wasn't able to work for a year.

I would like to ask that this be forgiven and removed from my credit report being it is now with a third party collections as a Charge-Off, original debtor has already been paid. Please forgive. 

I'm now a single mom of XXXX young kids and have not received any notices from them and the matter has been charged off for some years now. This is hindering me from securing a home for me and my kids, lower insurance and just live a better life for my kids.
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (VA)

On XX/XX/XXXX I disputed many items off my credit in which the credit company violated my consumer rights. XXXX XXXX balance of {$10000.00} is showing on my credit report for a repo which violates law UCC 9 PART 6 ; No pre sale letter sent before car was repoed, Repossession deficiency letter was not sent before Repo reported to creditors. The credit reporting agency marked it as updated XX/XX/XXXX. This item should be removed off of my credit after disputing it for this reason. 

XX/XX/XXXX XXXX disputed XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late payments reported on open accounts that violate consumer law 15 U.S, Code 1681a, 15 U.S. Code 1666b and 15 U.S. Code 1681i. results came back as update. 

XX/XX/XXXX I disputed XXXXXXXX XXXX XXXX  under violate consumer law 15 U.S, Code 1681a, 15 U.S. Code 1666b and 15 U.S. Code 1681i. reporting agency updated and did not remove. 

XX/XX/XXXX I disputed a public record XXXX XXXX bankruptcy XXXX reporting agency lists US BANKRUPTCY COURT VA XXXX as the people whom reported information to them. This was in fact false. US bankruptcy court does not share any information with any credit reporting company this is found on their website as well if you call which again violates me as a consumer under law 15 US CODE 1681A, 15 US CODE 1666B AND US CODE 1681i. 

I am asking that all of these items be removed from my credit report if not i will seek legal advice on moving forth in court due to my rights being violated.
Consumer complaint received 2018-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Good day, Recently i have started to see that 3 credit card accounts opened under my name in United States, however i left United States in XXXX of XXXX, below is recent information from XXXX form which you can also check ( XXXX XXXX XXXX XXXX XXXX ) Most Recent XXXX Results For : XXXX XXXX Most Recent XXXX Admission ( XXXX ) Record Number : XXXX Most Recent Date of Entry : XXXX XX/XX/XXXX Class of Admission : XXXX Admit Until Date : D/S Details provided on the XXXX Information form : Last/Surname : XXXX XXXX XXXX Given ) Name : XXXX Birth Date : XXXX XX/XX/XXXX Passport Number : XXXX Country of Issuance : XXXX
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of major identity theft. I never made these inquiries recently. I have a edit security freeze and fraud alert on my credit report. Trans union aloud inquiries to go through that was not done by me. 6 of them was made recently. They need to come off. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (TX)

I have a current car loan out through Global lending services since XX/XX/XXXX when I purchased the used car. I have kept up with my payments every month. Regarding a payment made on XX/XX/XXXX I paid my full months balance of {$410.00}. This payment was due on XX/XX/XXXX which there is a 15 day grace period which this payment was in. I just aid with my XXXX XXXX XXXX debit card and have a confirmation number from global lending services website where I make payments. The payment also posted on XXXX XXXX XXXX end on XX/XX/XXXX. Didnt have any issues with all that til now. NowXX/XX/XXXX global lending services says my bank reversed the payment from XX/XX/XXXX and I went through my whole account dating back to when I first purchased the car XX/XX/XXXX and that payment was not reversed. Its posted on XXXX XXXX XXXX  end and I can print those transaction details. That payment was made to global lending services, and they wont hold my account or anything til we can get this resolved. They just put the payment back on my account no questions asked, and now claim Im 31 days past due which will effect my credit score Ive worked so hard to keep up. Ive paid them religiously and this wasnt something I agreed for XXXX to do and I didnt hear from GLS about that payment. They just put it on my account and XXXX XXXX  my credit because they did something and cant show proof anyone asked for those funds. I asked for some kind of notification the bank requested those funds, they said they have nothing like that, that they only have my payment history with them that shows that payment is reversed. Thats not helpful I want to know who said I agreed to let that payment reversed. This is just another way for them to XXXX  people out of more money. This needs to be resolved with my payment being put back on my account and my credit history and payment history unaffected. Ive also included the screen shot of the page and confirmation number for payment to GLS, Breakdowns and statement views of around XX/XX/XXXX as well as recent screen shot of recent activity on my account to show I have not received that payment back from XXXX. This needs to be fixed quickly.
Consumer complaint received 2018-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation (TX)

I received calls and letters from XXXX XXXX XXXX stating that four checks were written by me that were returned for STOP PAYMENT. I did not write these checks to XXXX XXXX XXXX. and nor do I live or shop in the city of this store. Additionally, the name used on these fraudulent checks is not my legal name. 

I have responded in writing and sent certified mail to XXXX. They continue to harass me with ongoing letters demanding payment in full. Here are the details of these fraudulent checks : Date : XX/XX/2018 Merchant : XXXX XXXX XXXX Current Creditor : TeleCheck Amount : {$820.00} Reference # XXXX Date : XX/XX/2018 Merchant : XXXX XXXX XXXX Current Creditor : TeleCheck Amount : {$980.00} Reference # XXXX Date : XX/XX/2018 Merchant : XXXX XXXX XXXX Current Creditor : TeleCheck Amount : {$1500.00} Reference # XXXX Date : XX/XX/2018 Merchant : XXXX XXXX XXXX Current Creditor : TeleCheck Amount : {$1200.00} Reference # XXXX Note - I have filed a police report and contacted the credit bureaus about this matter. Any assistance that can be provided is greatly appreciated.
Consumer complaint received 2018-07-18
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. (CA)

I am complaining and providing extensive evidence that Equifax is incompetent as a repository of records and that evidence shows personal financial damage to me, that equifax automated computers do not function and that equifax can not do basic functions as required by FCRA and other laws.

I disputed XXXX XXXX XXXX ; ACCOUNT NO XXXX  for the incalculable many times. ( confirmation # XXXX ) I am providing two previous dispute results XX/XX/2018 confirmation noXXXX and XX/XX/2018 confirmation number XXXX.

BOTH OF THE RESULTS LIST THE ACCOUNT NUMBER AND SAY THAT THIS ACCOUNT IS NOT ON MY REPORT WHEN IT IS.
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (IN)

I am refinancing my home mortgage and experienced unfair business practices with my current mortgage servicing company - Arvest Central Mortgage Company ( " Arvest '' ) based in XXXX XXXX, Arkansas. 

Arvest received a wire payment ( ~ $ XXXX XXXX from the title company connected with the refinancing of my mortgage on XX/XX/2020 that covered the entire principal and accrued interest based on the amount Arvest provided in the payoff letter ; however, Arvest held the money and did not apply the payment to the loan. 

Arvest claims they have an internal policy to not apply loan payments if the escrow balance is negative. The escrow balance went negative in early XXXX but this was never communicated to the borrower. They do have the right to add to the debt balance with written notice but that was never provided. 

Instead of applying the payment received, Arvest continued to charge interest on the ~ $ XXXX outstanding principal for 5 additional days ( ~ {$140.00} ) until I would pay a new payoff amount ( {$200.00} additionally ) to cover the escrow shortage. 

XXXX XXXX as XXXX XXXX Specialist ( # XXXX ) and supervisor XXXX XXXX ( # XXXX ) as the Mortgage Servicing Supervisor both agreed this was unfair but were unable to credit the additional interest as they stated it was the internal policy of Arvest to not apply payments when a payoff was short due to an escrow shortfall. 

I find the lack of applying the payment when received to be an unfair business practice as they not only continued to charge interest to my account but also were able to earn interest on those funds that were held. 

We are being put in a negative position as the new loan will charge us interest at the time the funds were disbursed and result in being charged double interest for the 5 days Arvest refused to apply the wire payment to my loan. 

In order to get the existing loan released by Arvest, I paid the amount ( {$200.00} ) on XX/XX/2020 they demanded in order to release the loan and begin my new mortgage.
Consumer complaint received 2021-09-21
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 — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE (CA)

I have made contact with Barclay 's Bank on several occassions via telephone or written correspondence and they continue to give me conflicting information. I am not sure that my request to remove the negative reporting has ever been investigated.
Consumer complaint received 2020-10-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accelerated Receivables Solutions (MI)

On XX/XX/2020 I sent a certified letter to Accelerated Receivables requesting validation of an alleged debt of {$960.00}. They received the certified letter on XX/XX/2020. They have failed to respond to my letter in a timely manner. Them failing to respond they have violated federal and state laws, but also have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account reported accurately. I also sent them a good will letter in attempt to resolve this matter. I have my credit reports from XXXX XXXX showing no update and no comment was added to show it in dispute and I also have one from today XX/XX/2020 the XXXX day showing no update to the account.
Consumer complaint received 2018-07-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank charged my account for three overdraft fees totaling {$100.00} when I had enough funds to cover all posted debits, except for one. I think I should be refunded {$68.00} dollars. These transaction occurred on XX/XX/2018. As I review, all debits were covered except for check XXXX, which did not post until the following day.
Consumer complaint received 2021-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

im filing this complaint because I have been a victim of identity theft. I am a protected consumer and would like your assistance in removing misleading information from my credit report at it is ruining my reputation. 

attached is my identity theft report, along with supporting evidence.
Consumer complaint received 2018-07-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (TX)

I sent a letter certified mail to Santander main office Santander Consumer USA Inc. XXXX. XXXX XXXX XXXX XXXX, TX XXXX a little over a month ago requesting them to Please furnish me with direct proof that this repossession was done in a legal and proper manner, including notification of deficiency, Repossession Company used, redemption notice, and proof that they allowed me to access my personal property and plates off of the vehicle. Per the documentation required under Texas Motor Vehicle Finance and UCC statutes. The car was cleaned out and my belongings was placed in black trash bags  before I could have access in the car I had items missing & I never received my license plate. I haven't heard anything back from anyone I listed my cell number and also my mailing address. Instead someone remove the balance that was owed to XXXX  in the letter I requested that they take the necessary steps to ensure any critical information on my credit is deleted and purged from my credit reports.
Consumer complaint received 2018-07-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

When I first left college in 2005 it was really difficult to get a job in my field ( XXXX XXXXr ). I was able to get a job but the income was low and my loans were at about 80-100K. I did not have to pay for six months and then the calls started. I was simply unable to live and pay at my XXXX dollars an hour wage. Sallie Mae was my loan provider ( Now Navient ) and their offer was forbarence and they did not offer me a lower repayment plan. Few deferrments and forebarances later, I was making a little over what I had after graduation but not nearly enough to pay the 500+ per month and live and eat. Only years later, when I maxed out my forebarances and my credit score dropped to XXXX-XXXX  did they begin to offer lower repayments. By this time my account ballooned up to a whopping $ XXXX and the principal increased. Once I got a decent job I was offered interest only repayment which I paid successfully for two years. Once that plan expired they were unable to reinstate it and now I have to pay XXXX plus the Federal Loan ALSO serviced by Navient. Their claim is that I am left with XXXX XXXX dollars per month. I have XXXX savings and my costs fluctuate. I need money for incidentals car repairs and emergency situations which I simply don't have. This has caused me significant anxiety over the years that I am now on medication because of this. I don't have a wealthy family and nobody to advise me. I took them for their word not understanding or knowing available options. Ive always wanted to pay but forebarances we're all they offered until my credit score was as low as it can be and I was not able to pay. I can pay now and I want to pay now but within means and I keep receiving calls telling me they can help only to tell me they can't. Currently I am expected to pay XXXX per month which means I can't rent or own a house making me regret ever going to school in the first place and trusting Navient and Sallie Mae. The information they provide is not complete and their staff is ( not everyone ) mostly incompetent and frequently provide incorrect information resulting in many calls to get someone that can at least tell me correct information. And saying they can help is a tactic to get me to call back and tell them that I can not pay what they ask. I don't know what else to do but pay smaller amounts every month that are within my means regardless of the insane minimum payment that they trapped me into
Consumer complaint received 2020-06-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (FL)

Hello Dear, COVID 19 HARDSHIP My case is not really simple and is sad, I have 2 loans with ALLY since XXXX, and we got into payments default and we couldn't make the payments, and we got our truck repossessed. 
COVID 19 destroys a lot of lives, businesses, and jobs. 
Unfortunately, I lost my XXXX XXXX XXXX XXXX -GOT REPO- EXACTLY XX/XX/XXXX WHEN THE COVID 19 PANDEMIC HAPPENED, I TRIED TO NEGOTIATE WITH ALLY AND GET MY TRUCK BACK, Also in XXXX my husband lost his job again, and I called ALLY on XX/XX/XXXX and they told me to pay around {$8000.00} with the expenses to give the truck back, I am the only one who is still working in my house, I asked them please put this debt to the end of my loan, please help me and my family. I have this car since XXXX, I got hardship in XXXX and my family and kids were sick. 
Please give the truck back. Unfortunately, I lost. 
VIN XXXX {$34000.00} SOLD XX/XX/XXXX XXXX {$18000.00} REPOSSESSING E TRANSPORTING XXXX EXPENSES {$820.00} REBATE XXXX I got a letter from ALLY 3 DAYS AGO TELLING ME TO PAY {$16000.00} It got me in the WORLD PANDEMIC! We need a chance! I don't have this money. I don't have the car, unbelievable I feel that I got robbed. Please I think they should give a new truck. Please help me and my family.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-12-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

This is a continuation of the following complaint : XXXX. I have been trying on and off to pay the mortgage since XX/XX/XXXX for XX/XX/XXXX. One again the website to New Rez sometimes work and sometimes does not work. New Rez has previously given me a lecture on clearing my cookies, etc ... I have done all that and then some. Since it has been brought to my attention that the behavior that New Rez is displaying is not usual and customary, I decided to research how many other people are " having trouble with the cookies " on their computers. I have found out that there are many many many other consumers throughout the world, reporting the same difficulties with the New Rez website that I am. I would like to send a XXXX XXXX payment but am concerned, that based on New Rez previously taking my previous XXXX XXXX payments and dispersing it as they felt necessary, and refusing to reverse the unauthorized disbursement of funds after I asked, the same could happen to XXXX payment.