davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-23
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. (DC)

XXXX was previously my mortgage company and has reported multiple late payments on my credit report. In XX/XX/2019, XXXX XXXX  became my new servicer. I have appealed to XXXX to correct this incorrect information, which is interfering with my ability to get a new mortgage, but they said they can not because they no longer service my mortgage. XXXX refuses to correct this information because they said they were not my servicer during this period. I need XXXX to immediately correct this incorrect mortgage information with the three credit reporting agencies immediately.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (DC)

Ocwen was previously my mortgage company and has reported multiple late payments on my credit report. In XX/XX/2019, PHH Mortgage became my new servicer. I have appealed to Ocwen to correct this incorrect information, which is interfering with my ability to get a new mortgage, but they said they can not because they no longer service my mortgage. PHH refuses to correct this information because they said they were not my servicer during this period. I need Ocwen to immediately correct this incorrect mortgage information with the three credit reporting agencies immediately.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (OH)

I ordered furniture from JcPenney about 3-4 years ago ( to include warranty ). The furniture kept falling apart ( despite multiple replacements ) so I asked for a refund. The company took three months to pick up the broken furniture and had not refunded me the amount paid. The company then put my balance as owed on my credit report - even though the amount owed to me surpassed the amount I owed them. I worked for three years to get this resolved and was finally issued a check this XX/XX/XXXX for over {$800.00} ( amount owed on credit report was {$660.00} ). Even though I have finally received my money, the collection is still on my credit report. I have disputed with the credit bureaus but JcPenney still certifies the collection. I have called JcPenney, Synchrony bank ( card company ), and XXXX XXXX XXXX ( collection company ) to dispute and no one seems to know who can remove this mark from my credit. I have also sent certified letters and all of my documentation ( attached ). I have now enlisted the services of an attorney as I am trying to acquire approval to purchase a home but this mark on my credit is helping to prohibit that.
Consumer complaint received 2021-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc. (NY)

I had 2 health service debts for collection on my credit account amounting to {$40.00} and {$30.00} from XXXX XXXX issued on XX/XX/XXXX. I tried contacting the hospital but they had no record of it in their system. So I contacted the debt collection agency ( Simon 's Agency Inc. ) and paid the full debt owed and cleared my account on XX/XX/XXXX with verbal verification from them that the collections will be cleared from my account in 30 days or less, but it never did and the negative impact from the collection is still on my account.
Consumer complaint received 2021-04-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (TX)

Paypal accepted debit authorization in the amount {$260000.00} from XXXX XXXX car, Against my canceled debit card, I did not retain XXXX rental car services, XXXX XXXX XXXX XXXX provided XXXX XXXX car to me as third party accident victim, And informed me that my card would not be charged.
Consumer complaint received 2020-06-02
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. (AL)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$170.00} XXXX XXXX  XXXX {$360.00}
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (WI)

I am banking with Chime online bank. Someone got into my online banking app at the end of XXXX and they made a transaction for XXXX at the USPS PO in XXXX XXXX, Florida. The bank did credit back that money on XX/XX/XXXX. The bank was supposed to have that merchant blocked at the beginning of XXXX but they did not have them blocked. When I gotten paid at the end of XXXX someone broke into my account after I received my XXXX deposit and I paid my bills other than my rent. The only reason I couldnt pay my rent was because I couldnt make it to the ATM machine because of the severe weather and police advisories. I filed a complaint the same day that I seen the unauthorized transaction on my account and they had to wait 3 days for the transaction to be processed. So after that happened I filed the dispute against the transaction made. I also filed a police report and the report number isXXXX. The officers name was XXXX XXXX. I am on the 4th rebuttal now and the bank refuses to give me my money back. I have sent them all I can and am doing all I can. I have my rent that has to be paid for XXXX. Now XXXX is due and I dont have the money to pay 2 rent payments. The bank should of not let this happen because they were supposed to have this blocked. I dont know what else to do I would never make this kind of charge to a company like that and I have never been in these states so I hope that this will help me get out of this situation. Thank you.
Consumer complaint received 2021-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

This is not my debt. I have recently been monitoring my credit report and This company has listed two collection accounts on my credit report within the last week. I have tried to contact this company several times with no luck due to rude and unprofessional service. I do not have an account with this company nor do I owe them for this debt.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX XXXX has repeatedly reported my auto loan as late although I have made the payments on time. What I have not paid - and repeatedly asked XXXX to waive - are about {$1500.00} in late charges. XXXX  is reportedly me late - unbeknowst to me - because if these late charges and not because of late payments. My account has been paid on time for the past 24 months.
Consumer complaint received 2020-07-23
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. (DC)

XXXX XXXX has repeatedly reported my auto loan as late although I have made the payments on time. What I have not paid - and repeatedly asked XXXX to waive - are about {$1500.00} in late charges. XXXX  is reportedly me late - unbeknowst to me - because if these late charges and not because of late payments. My account has been paid on time for the past 24 months.
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (TX)

CC : Attorney General CC : FTC Identity Theft FTC Report # XXXX All I have to say is fix this now before I file suit for Defamation of Character. As I stated before because of your assumption you have negatively affected my life and those around me causing me severe hardship, mental anguish, and XXXX because of you assuming this role. Pursuant 15 USC 1681 ( 4 ) I have the to privacy. Your company also needs WRITTEN consent to furnish anything on a report let alone create one in the first place Pursuant 15 USC 1681b. I have more than enough evidence. 


*** ALL ACCOUNTS AND NAMES BELOW NEED TO BE DELETED NOW *** 1 ) XXXX XXXX XXXXXXXX Account # : XXXX 2 XXXX XXXX XXXX XXXX Account # : XXXX 3 ) XXXX XXXX XXXX
Consumer complaint received 2020-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2020-07-23
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

I see multiple 90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-04-09
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: Guild Holdings Company (AZ)

I got a call from XXXX XXXX with Guild Mortgage, stating that I needed to redo my refinance. I questioned him because I had just finished my refinance three months prior with with Guild, and he wasnt my loan officer. He told me he was taking over for my loan officers workload and advised that my file had been audited. He told me the refinance would be at no charge to me because they had messed up on the refinance and the it would benefit me cause I would've getting a lower rate. I told him I had concerns with my credit and didnt think I would qualify any longer because my credit score was now under 580. XXXX advised not to worry because they would have to pay for all the fees even for the credit repair. I didnt feel comfortable with his answers and didnt understand what he was telling me, I talked to my prior loan officer who no longer works for Guild to see what the problem was. I advised I would give him a call back the next day.

My prior loan officer confirmed that my loan had been audited, but when I advised him that my credit score was below 580, he told me they may not be able to do the refinance because of that. I sent XXXX a message letting him know that I was willing to help get the refinance completed. Then I saw there was a credit check done a couple minutes after I had gotten off the phone with XXXX the previous day. I did not give consent to pull my credit report because I had concerns with my credit score. Since XXXX has pulled my credit I have tried numerous times to call and email to get a response from him on what was going on and why my credit was pulled. In my attempts I have only spoken to his assistant XXXX. She advised he would be giving me a call back and to this day I have not received a response email or a response call from XXXX. To me it feels like he pulled my credit even though I advise I had concerns with my credit, to find out my credit wasnt in the shape it needed to be in order to do the refinance. XXXX was not listening and his only concern was to get the audit cleared on my file and wasnt listening to me when I said my credit wasn't where it should be. I didnt understand why my file needed to be redone and what he was asking me. He was confusing and not listening to me as a consumer.
Consumer complaint received 2020-07-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lotane & Associates, P.A. (NV)

On XXXX I received a judgement against me. I was ordered to pay a total sum of {$7700.00} that shall bear interest in the statutory rate of 6 % every year. 

I will provide the information of the lawyers who are collecting the debt of {$7700.00} : Lotane & Associates P.A. 
XXXX XXXX XXXX, XXXX, FL XXXX XXXX. 

I got a letter that my Driver 's License got suspended that's how i found out about this debt. I was forced to pay them {$300.00} and also an additional {$150.00} to the DMV to reinstate my drivers license. I have had my drivers license suspended for miss payment at least 3 times through out the course of 10 years. 

on XX/XX/2020 i made my payment and have been consistent with my payments 90 % of the time, however there have been times that were difficult for me because i was going through hard ships in life. 

When contacting them to tell them, there have been numerous times they were very rude and unprofessional. They offer you little to no help and if you miss a payment with them. They immediately suspend your license and you are forced all over again to pay the {$300.00} penalty charge which is not included in any of the payments i have made to them so far. That's the penalty charge they take from you forcefully in order for you to have a letter sent to the DMV to reinstate your drivers license. Once that letter gets sent ... The DMV charges you {$150.00} to reinstate making it a total of {$450.00}. 

I have paid them {$6300.00} to date ( XX/XX/2020 ), not including the the penalty charges i paid for missing payment and i still owe them {$4600.00} at supposedly 4.75 % current interest rate. 

I will be paying them till i die. I honestly feel like i have a XXXX to my head and feel forced to pay them or lose my license for the rest of your life. Even in a pandemic ... they show little to no interest in helping anyone. All they want is their money or they take away your license. 

I did however speak to a representative by the name of XXXX who was very nice. She listened to me and was helpful in understanding my situation, however she could not clarify much to me as it was out of her hands. She did however cut my payments in half for the next 3 months which is of almost no help because i will be recurring a ridiculous amount of interest a day. 

I am currently unemployed due to COVID-19 and i am finding it very difficult to make my rent on time and i am terrified to miss one payment with them. I feel trapped and i don't know what else to do. I can't hire a lawyer to help me because i just don't have the money. 

If you look at there reviews on XXXX, they perhaps have the worst reviews i have ever seen in my life for the same malicious practices they use on other victims. I honestly am not sure how these types of Law firms are in business. They are in the business to ruin lives and this needs to stop immediately. I learned my lesson but these type of predatory debts should be against the law. Please i need your help.
Consumer complaint received 2020-07-23
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. (TX)

Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days
Consumer complaint received 2024-02-24
Product: Credit reporting 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. (FL)

I recently reviewed a copy of my credit report and identified several inaccuracies associated with my account. I believe these inaccuracies are negatively impacting my credit profile and hindering my ability to secure credit. I request your assistance in investigating and verifying the accuracy of the following item on my credit report : XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2020-07-23
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: EQUIFAX, INC. (TX)

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days
Consumer complaint received 2020-07-23
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (OK)

Ok so I got into a wreck on XXXX XXXX on XX/XX/XXXX I called global lending and advised them it was totaled out and I'm sure someone will be getting ahold of them soon over it so they had me fill out a total claims loss so I did and the car sat her in my driveway since well every time I found out something I called them and let them know as well they were okay with this process up until idk when but I woke up one morning and the car was gone out of driveway and loan and behold they canceled out my total loss claims and took the car filed it as a repo and called me to try and get me to buy it back from them so I can have it for the lawsuit its tied up in a lawsuit as we speak and they filed it as behind on payments since it was wrecked which is wrong they tried to force getting paid on it and screwed my whole score up
Consumer complaint received 2023-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

I have never given permission to furnish the information to Lvnv Funding Llc. Investigated accounts that you didnt request to be investigated. Majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.
Consumer complaint received 2023-03-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (NJ)

On XXXX XXXX the salesman assisted me with the purchase of XXXX XXXX XXXX at Exter Finance and/or XXXX intentionally withheld pertinent information to complete the sales. There are many fees within the given finance charge that are a violation of 15 USC 1605. Exter Finance and/or XXXX falsely and illegally obtained XXXX. I sent letters to both companies on XX/XX/XXXX disputing but have not heard back as of yet.
Consumer complaint received 2020-08-31
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. (NC)

When COVID struck back in XXXX, we ( XXXX XXXX ) were offered by Ally Financial and through no petition of our own deferred payments on the three loans we had with them for a period of six months at which time we were current on all loans. During regular collection calls we informed them that drivers had absconded with the vehicles and we were having difficulty locating them. Needless to say, when the period to resume payments came, we still had not located the vehicles and the police department told us that because of NC law we could not report them stolen, but they would be entered into the national data base to assist us in trying to find them given that our drivers were XXXX XXXX XXXX and last contacted in different states. We found one and resumed payments. We just receive notice from XXXX  on XX/XX/XXXX that the van had not only been obviously located by Ally, but appears to have been auctioned off without our knowledge or an opportunity to cure. We assert under penalty of perjury that we have not been served with any documents apprising us that this was going to happen. Now I look on my personal credit report ( even though the company is an LLC ) and see that I am asked to pay a debt of over $ XXXX which we presume to be some shortfall after the illegal seizure and sell of our vehicles. On those vehicles we put down over $ XXXX down payments and made ON TIME payments for over two years. We have been deprived of our rights and lost an inordinate amount of money as our property has now been sold. Ally stole our property given that the payment had just come due and was right at the 30 days delinquent mark. Our business has been crippled amidst COVID, but this was fraud in its simplest and most basic form, which only exacerbates our losses.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently pulled a copy of my credit report and noticed accounts and inquiries that I have not authorized nor do I have any affiliated with. I've contacted the credit reporting agencies notifying them of my personal information being stolen in 2019. I advised that accounts were now being reported to my credit report that are not mine I have the right to privacy and have not given any written consent for this information to be furnished to my credit profile which is in violation of 15 USC 1681B.

Furnishing accounts due to identity theft is also in violation of 15 USC 1681 c-2 I requested that XXXX, XXXX, and Transunion remove all fraudulent addresses that are tying me to accounts that are not mine. I have not received any formal updates and this information being reported in severely impacting my credit.
Consumer complaint received 2020-08-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SinglePoint GI (FL)

I have received multiple phone calls for a debt collection pertaining to someone not related to me in any way, shape, or form. These calls come to my work phone number and I have called repeatedly informing them I am not the debtor in question