davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-16
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. (FL)

After multiple attempts of writing letters to the credit bureaus, they continue to report inaccurate information on my credit which hurts my ability to obtain credit. There are several accounts reporting activity date incorrect, accounts that do not belong to me are reporting, late payments are reporting on my student loan accounts. Accounts that were deleted have reappeared on my credit report.
Consumer complaint received 2017-06-08
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. (GA)

XXXX   XXXX   sold moved my mortgage to a debt collector playing mortgage handler (  XXXX  ). I have been trying for 4 years to get  XXXX  to correct my information within their company and what is being reported to the  XXXX  credit reporting agencies. I have filed disputes and made millions of calls to all involved and each  one p oints the finger at the other but NO ONE is fixing it. I have called   XXXX   XXXX    who also contacted  XXXX  to fix the issue and was told they had to close the claim as the company said they would resolve it. It is not resolved and I can not get a re-fi because my credit is messed up and they refuse to look at me until it is right. Credit reporting agencies can not fix it unless they hear back from mtg company and  XXXX  has dropped the account all together off my credit. I have now lost out on the lower interest rates and am being held  hostage by  this company. Attorneys want to much money and NO  ONE cares,  within the government or their agencies, that there is fraudulent info on my acct.
Consumer complaint received 2015-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Continental Services Group, Inc. d/b/a ConServe (GA)

XXXX XXXX XXXX allowed me to register and get books on financial aid. Two days after class started, they decided not to allow me to use financial aid after I have purchased books on my financial aid. They refused to take the books back and stuck the balance on my credit.
Consumer complaint received 2021-03-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit, Inc (FL)

On XX/XX/XXXX was my last payment for my XXXX  XXXX XXXX, ( as shown in the screenshot enclosed ) I did the payment by {$680.00} on XX/XX/XXXX, as of XX/XX/XXXX the balance is XXXX, however, still appears 1 payment remaining? Suddenly today, XX/XX/XXXX appear a balance of XXXX due on XX/XX/XXXX ... no explanation? When I call to XXXX financial service, told me that could be due to interest, but either they understand why! or can give me an explanation, I reviewed the contract where says what changes may take the form of a large or smaller final payment if that occurs, we will send you a notice telling you about these changes before the final scheduled payment due, but I didn't receive any note ... the amount of my final payment was of XXXX as can see in the screenshot.
Consumer complaint received 2018-07-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (TX)

I am pre-approved with my lender. When inquiring about a new home builds ... the agent stated that i should try to use one of the " Preferred Lenders ''. For more closing cost being covered by the builder. Which struck me as a little strange so i starting asking questions. The policy of XXXX XXXX - XXXX XXXX Texas is as follows ... ..when ever an agent gets a lead from a builder open house or their XXXX lead department they are required to have them use a preferred lender or they agents are penalized in their commissions. Unless they get a letter of denial from that " Preferred Lender ''. I was also told that the " Preferred Lenders '' pay a DESK FEE ( about {$7000.00} per person ) ; yet i only saw one with a desk. That each lender gets a specific rotating week where all leads are given to that lender during their specific week. I found this a bit conflict of interest ( at least in my eyes ) and it seemed a bit of being forced to use a lender i never heard about before. Not sure if this is against any banking laws ... but thought i should report it any way.
Consumer complaint received 2018-07-03
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. (CA)

XXXX XXXX XXXX credit card is being reported negative on my credit file and it doesn't belong to me. the account and balance do not belong to me and this is fraud. I have notified the three credit bureaus as well as XXXX XXXX XXXX and sent in the police report and this account was to be removed from my credit files. I still see I t appearing and greatly effecting my crtedit in a very negative way. this credit card and balance being reported on my credit files does not belong to me. this account should be deleted from my files as thisis fraudulent and doesn't belong to me
Consumer complaint received 2020-08-25
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. (SC)

There is verbiage on my credit file that is inaccurate, NOT TRUE and has caused me to get turned down. I am requesting help URGENTLY. This is FALSE information and the credit bureaus will not remove it.
Consumer complaint received 2018-05-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK (NJ)

I took out a loan with Discover Student Loans around XX/XX/XXXX. At the time the loan was taken out, Discover Student Loan transferred the servicing of the loan to XXXX XXXX. In XX/XX/XXXX, XXXX XXXX and Discover Student Loans informed me that, Discover was going to take over the servicing of the loan. Once Discover took over the loan in XX/XX/XXXX, I no longer received phone calls or statements regarding loan. My co-signer received all the phone calls instead of myself who was the primary borrower. During the month of XX/XX/XXXX, I spoke with Discover roughly 5 times regarding the handling of the loan was advised the following : 1. My number was not in the auto dialier used by Discover and representative submitted a request to have my number manually added 2. Discover claimed that on the 2 separate occasions they attempted to reach me that my number wasn't going through their phone system 3. My number was included on the TCPA and therefore Discover wasn't allowed to legally contact myself ; however, I have a legal obligation with Discover Student Loan to repay the debt. During a phone call on XX/XX/XXXX I explicitly provided my consent to Discover to be called and communicated with about this loan. 

I also asked for a complete signed copy of the loan agreement from when the loan was taken out ; however, Discover has not provided that to me.
Consumer complaint received 2017-06-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: POPULAR BANK (FL)

Two different companies have scammed me out of {$3200.00}. The first companies name is consumer Eloan, the second is  XXXX . I paid {$2200.00} to consumer eloan to receive a {$2000.00} loan. This was through   XXXX   XXXX  . I paid {$950.00} to   XXXX   XXXX   in form of   XXXX   gift cards. Both companies kept asking for more money for the loans to go through. This is when I realized I was being scammed. The loan from consumer eloans started  XX/XX/XXXX -17 and the loan from   XXXX   XXXX   started  XX/XX/XXXX 17.
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I was unable to dispute these new claims online with Experien. I was not allowed access using my credit report number. I did not request any personal statement. The personal statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want removed.     I want the  XXXX   XXXX  account that was closed in  XXXX  removed as well as the negative statment " This item was updated from our processing your dispute in  XXXX   XXXX .     I want the  XXXX   XXXX    XXXX   statment in the comment section removed : '' Account previously in dispute-investigation compelte, reported by data furnisher. '' These claims paint me in a negative light when I work very hard to keep my credit information pristine and accurate. Why does Experien make it difficult or impossible to dispute and access my credit report online using a free credit report?
Consumer complaint received 2021-09-14
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. (AL)

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX is reporting two accounts for the same auto loan which is a violation of the FCRA. They have the responsibility of reporting the correct information to the Bureaus. I have sent them letters and they refuse to correct this misinformation which is hurting my credit rating. 

The first alleged account states that it was opened XX/XX/XXXX with no recent balance reported. Status Transferred closed XX/XX/XXXX. 

The second alleged account states that it was opened XX/XX/XXXX with a recent balance reported of {$9200.00}. Status {$8600.00} was Charged off XX/XX/XXXX. 

None of the information reported makes any sense.
Consumer complaint received 2021-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Centron Services (MI)

Centron services is using a knowingly forged document to attempt to collect a debt that I do not owe. I have recordings of their attorney admitting to fraud and have a police report in XXXX Montana for this fraud committed by Centron Services. Report XXXX
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

We were having mortgage troubles before the Pandemic, as I am XXXX XXXX and my husband was not getting many hours at work ( now he is XXXX ). I was catching up as often as I could with the mortgage and making several payments at one time, in most cases. I had made a few payments during the pandemic, still trying to catch up. On XX/XX/XXXX I made two payments. By my calculations, I was still behind and needed to catch up with more payments. I saved for few months to be able to do this. I received a letter from XXXX, our mortgage servicer, stating that they were offering a modification ( which I had not applied for ) and that I would have to make the new payment by XXXX It is a trial modification and after three months of on time payments, it is permanent. I have a modification in place from a prior servicer. I wanted to ask some questions, before committing to this. It is now XX/XX/XXXX and I have not heard back from my email, dated XX/XX/XXXX, which was the day after I received the letter. 

I have some specific questions that I need answered : Mainly, are they including the {$1800.00} in payments I made on the same day as their letter? 

I just need clarification before accepting and I feel that it is the servicer 's responsibilty to answer these questions before I commit to something that I don't have enough information to understand. I will not be forced into a corner, when I have protections in place to not even have to pay my mortgage right now. I am in Calfornia, in XXXX XXXX county which is in an area with a very high infection rate. I may not be able to continue to work, if the state is shut down like it was previously, so I need clarification. ASAP I will not accept this modification with out adequate information.
Consumer complaint received 2017-06-08
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. (MT)

On  XX/XX/XXXX , I sent a document to Experian,  XXXX  requesting the verification of debt that they were reporting according to the Fair Credit Reporting Act. I requested copies of this verification . ( See document A ) Experian did delete some accounts but only stated that the rest were verified and   provided no copies of the verification.   I sent four more documents ( see documents B, C, D , E ) requ esting the verification of the debt along with copies of the verification ( Consumer contract ). These documents are dated  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX . Again, Experian only responded that they were verified but has refused up to this date to provide any documentation or copies of this verification. Experian sent me their method for verification without sending the verification.   I would also like to point out that in one account (  XXXX   XXXX   ) ( See  documents F, G, H, I ). Experian reported in their response  on  XX/XX/XXXX ,   XX/XX/XXXX ,  XX/XX/XXXX  that the account meets requirement of the Fair Credit Reporting Act. Experian did not send me any verification at any time but in document ( I ) dated  XX/XX/XXXX  Experian stated the outcome of their investigation in response to my fourth request ( documen t D ) was  to delete the account. Experian stated in three previous responses that this account was verified and met requirements ( F, G, H ). How is that? I do not believe that Experian verified any of these accounts as they claim and they have refused to provide any original or copies of the debts that they are reporting.
Consumer complaint received 2017-06-08
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: LOBEL FINANCIAL CORPORATION (CO)

Credit report show s three late p ayments of which did not appear on my credit report until after the vehicle was refinanced through a different company even though it was not showing on my credit report even when the vehicle was still under finance with Lobel financial
Consumer complaint received 2019-06-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (OH)

It has been brought to my attention that there is a lien placed on my SSN, through Citi bank for a credit card from XXXX. Citi is no where listed on my credit report as a collection, active, or closed account. When attempts from myself and financial representation attempted to gain information such as debt payoff amounts, and signature pages the representatives refused, stating my account needed to go into review and in 3-5 business days we could call back for further decisions. On XX/XX/XXXX my wife, XXXX, was able to climb up the representative ladder to speak with a Manager at Citi, XXXX ID # XXXX, who released the lien. She also gave my wife the information of their attorneys office whom she would be sending the release to for contact, XXXX, XXXX, & XXXX. We contacted the attorney 's twice, and both times they stated the file does not exist in their office. 

XXXX XXXX Courts have closed the case due to age though they do not have the release of lien to remove it from my SSN. 

On XX/XX/XXXX, two calls were made to Citi 's Internal Recovery dept. Both the representatives refused to forward Mrs.XXXX to a supervisor. Stating the account needed to go into further review for a decision to be made. One of the representatives even hung up during the phone call with my wife. The debt is from XXXX, all requests of documentation to be presented have been denied. Now that it is supposed to have the lien released, we are back to the beginning of attempts to collect the debt.
Consumer complaint received 2017-08-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: SUNTRUST BANKS, INC. (DC)

On XXXX XXXX, 2017 I closed an account at SunTrust Bank - XXXX XXXX XXXX branch ( # XXXX ) by having the funds wired to two separate entities. I was told the bank charged {$35.00} per wire, so the total amount wired was {$70.00} less than the balance. The banker wanted to directly debit the account for the wire fees rather than accept my cash payment for them. I subsequently received numerous dunning notices from the bank - initially for {$30.00} and then for {$30.00} and additional fees. I contacted the XXXX number and was told that the additional fees were in error - should not have been charged since I closed the account. The person ( an attorney ) on the XXXX number could not tell me what the {$30.00} was for, and instructed me to go to branch. I managed to take time off from work and I went to the branch where an officer told me that she would have to research the issue. Within a few hours, I emailed her copies of the wire receipts, told her that I considered the matter closed, that I did n't owe the bank any money as they had collected {$70.00} upon closing the account, and that I expected a written response to that effect. I followed up with her a week later since I had n't heard anything and then received an email from XXXX XXXX, Personal Banker III who said I needed to bring in {$30.00} because the BANK should have charged me {$50.00} per wire, not {$35.00}. So, the people who had all the control, and all the information made a mistake and are demanding that I make up for it. If I bought bananas at the grocery store that were mis-marked, I would pay the stated price ... Why am I forced to take all this time, effort, and energy to rectify their mistake? And do n't get me started on a {$35.00}, let alone a {$50.00} fee for wiring money to domestic banks!
Consumer complaint received 2016-05-16
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: LendUp Loans LLC (HI)

Flurish, Inc dba XXXX ( a payday and installment loan company ) has been threatening collection actions for XXXX loans which I never applied for, never received any funds for and in spite of my efforts asking for corrective actions to be taken, has not resolved the issue. I was emailed an electronically signed agreement ( which I never signed ) with address information, bank account and bank routing information that does not belong to me. I notified them of this but the issue still remains. I live in XXXX, XXXX and the agreement is for someone in XXXX XXXX, XXXX. Copy of the agreements they emailed me are attached. none of the information is correct.
Consumer complaint received 2021-09-14
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. (AL)

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX is reporting two accounts for the same auto loan which is a violation of the FCRA. They have the responsibility of reporting the correct information to the Bureaus. I have sent them letters and they refuse to correct this misinformation which is hurting my credit rating. 

The first alleged account states that it was opened XX/XX/XXXX with no recent balance reported. Status Transferred closed XX/XX/XXXX. 

The second alleged account states that it was opened XX/XX/XXXX with a recent balance reported of {$9200.00}. Status {$8600.00} was Charged off XX/XX/XXXX. 

None of the information reported makes any sense.
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

If the necessary steps to rectify this situation aren't taken within 10 days, I'll file a complaint with the FTC. I contacted the banks, I talked to someone within the company to confirm the documents had been received and they informed me that they never receive documents from the CFPB. You're legally required to respond within 15 days, and failure to do so constitutes a violation, potentially resulting in fines up to {$1000.00}. I trust you'll promptly comply once you're aware of the issue. Please provide the investigation procedures for the following accounts within 10 days to avoid further action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-14
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. (AL)

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX is reporting two accounts for the same auto loan which is a violation of the FCRA. They have the responsibility of reporting the correct information to the Bureaus. I have sent them letters and they refuse to correct this misinformation which is hurting my credit rating. 

The first alleged account states that it was opened XX/XX/XXXX with no recent balance reported. Status Transferred closed XX/XX/XXXX. 

The second alleged account states that it was opened XX/XX/XXXX with a recent balance reported of {$9200.00}. Status {$8600.00} was Charged off XX/XX/XXXX. 

None of the information reported makes any sense.
Consumer complaint received 2021-03-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.