davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I paid {$100.00} on XX/XX/2017 which was to pay the XXXX and XXXX payments. After seeing that the XXXX payment wasn't credited properly, I called XXXX. They explained that I made the payment one day too early ( the day before the statement comes out ) so the entire payment was credited to XXXX only. They corrected the status and even reversed the late fee but never updated the credit bureaus. They are still reporting me late for XX/XX/ 2017. The minimum payments for XXXX and XXXX were {$25.00} and {$53.00} so {$100.00} was more than enough to cover both payments. I did this because I knew I would be busy and out of town and I didn't want to forget about making the XXXX payment.
Consumer complaint received 2018-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

I made a purchase with my XXXX account, we paid in full but it was reported over 30 days late on my credit report. I have made several attempts to clear this with the company but I couldnt get this resolved. They kept agreeing it was paid in full but they couldnt get my credit report corrected.
Consumer complaint received 2016-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Blakely-Witt and Associates, Inc. (TX)

I contacted XXXX at the XXXX first and asked for a copy of the lease agreement and an invoice or documentation of the charges they claim that I owe them. The gentlemen stated to me that he was unable to send me a copy of my lease because they no longer had a hard copy due to it being 6 yrs ago. He said he could only provide me a bill of what I owe but it would n't be an invoice or documentation ( whatever that means ) He said I owed {$500.00} but my credit report is showing {$530.00}.
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX acct # XXXX XXXX Is reporting in my credit report Transunion and XXXX wrongly and is in violation and defamation of my credit right, Please have this account removed immediatly .This account was settle and paid off by me ( XXXX XXXX ) in the amount {$700.00} total in a monthly court agreedment for a $ XXXX monthly until account paid off, i have all documents to proved it.
Consumer complaint received 2023-01-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope the following disputed items will be repaired immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-19
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: RateGenius Loan Services Inc (NV)

RateGenius is a auto refinance company online which offers auto refinance service. They advertise that you can apply with no impact to your credit score. I filled out t he online form ( nowhere does it authorize a hard inquiry unless you move forward and accept their proposed loan terms ). Someone from their office contacted me and offered an absurd rate. I told them no thank you and to close out my request for information. AFTER I requested that, they then did a hard pull on my credit file, negatively impacting my score. I never authorized the hard pull and it should be removed from my file. They don't respond to request, as they're clearly some shady fly-by-night company. RATEGENIUS/XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX The above is the information as it appears on my credit report.
Consumer complaint received 2017-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IN)

I have recently received a certified letter from my mortgage lender indicating that I  may  be foreclosed upon soon. However, for the past 5 years I have been in a Chapter  XXXX  bankruptcy and all payments have been made through the  Trustee, who by the way has been attempting to MAKE the mortgage servicer Ditech  refinance my loan due to the high interest rate, however they continued to indicate the application was incomplete and refused to refinance. I have a statement from a month ago indicating that my loan was not only up to date but paid ahead, and I have an email from my loan servicing stating verbatim, that they doubled my escrow account balance when they put the loan on their system and they owe me over {$12000.00} and was supposed to send me a refund, therefore, I asked my attorney to dismiss my bankruptcy, which he did. Not more than a week later, the loan servicer reversed all payments from the account and according to my online access they state I am past due over {$43000.00} and they have recently sent me foreclosure warnings. I have telephoned them over the past few weeks and spoken with representatives over a recorded line at work where all calls are recorded where they have admitted that someone has done something wrong and needs to be corrected, however I just received a certified letter from the lender,  Ditech  with regarding to possible foreclosure. In addition, in that same week after they reversed all payments they updated my credit report as being past due on my home loan and my score dropped from  XXXX  to  XXXX . In addition, they claim they have advanced {$44000.00} but no one can tell me to whom they paid these funds.
Consumer complaint received 2022-05-04
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. (GA)

On XX/XX/2022 I sent out a letter to all 3 credit bureaus ( XXXX, Equifax, XXXX ) about them reporting several inaccurate names and addresses. I received a response from XXXX on XX/XX/2022 that had an issue date of XX/XX/2022 acknowledging the receipt of my letter but questioning if I had sent the letter or had help. I decided to call of 3 on XX/XX/2022 to request that the incorrect names and addresses be removed. XXXX said they removed all incorrect names and addresses. Equifax said they removed all incorrect names and addresses. When I called XXXX, I spoke with a representative XXXX stated to me " Though you say that name is not yours it is being reported by a creditor and therefore we can not remove that name. '' I stated, " but it's not my name '' and he reiterated that he can not remove the incorrect name. After going back n forth for 10 minutes I asked if I could speak with his supervisor. He continued to insult me and tell me I don't know my laws and refused to put a supervisor on the phone before asking me to hold and then hanging up after placing me on hold.

According to 15 USC 1681s-2, reporting information that a consumer reporting agency is aware is inaccurate after notice by consumer that the information is inaccurate violates consumer rights and therefore XXXX is not in compliance.
Consumer complaint received 2022-05-04
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)

In Accordance with The Fair Credit Reporting Act : XXXX XXXX Account XXXX has violated my rights. 

In Accordance with The Fair Credit Reporting Act : XXXX XXXX XXXXXXXX. Account XXXX has violated my rights. 

15 USC 1681 section 602A States I have the right to privacy. 

15 USC 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

I submitted a validation letter to XXXX and Equifax XX/XX/2021 asking for confirmation IN WRITING that the debt is mine. It is now XX/XX/XXXX and I have yet to receive validation.
Consumer complaint received 2016-09-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL (FL)

PORTFOLIO RECOVERY AGRESSIVELY AND IN A THREATENING MANNER HAS COLLECTED FROM ME FOR THE XXXX ACCOUNTS THAT HAVE BEEN SETTLED IN FULL WITH THE ORIGINAL CREDITOR ... EVEN AFTER PAYING THEM AGAIN TO MAKE THIS GO AWAY THEY ARE STILL CALLING ME AND THREATENING TO ARREST AND TO GARNISH WAGES AND THEY ARE DENYING THE RECEIPT OF ANY PYMENTS.. WHERE DID MY MONEY GO? ..ISNT THIS ILLEGAL PLEASE MAKE THEM TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2022-04-15
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NOVA Financial & Investment Corporation ()

On XXXX XXXX, 2015, XXXX XXXX requested an Owners and Encumbrance report from our office. We ordered the necessary title search and prepared the O & E and sent it, along with our invoice, to him on XXXX XXXX, 2015. On XXXX XXXX, 2015, I sent an email requesting the status of payment for the invoice. He responded and said that the transaction had closed prior to receiving our report and that he had no way to collect the funds from his client. On XXXX XXXX, 2015 our on staff attorney sent him an email stating that he had ordered the product and was therefore responsible for payment. In the initial request, we were never provided with a due date that he needed this back by. The invoice is for {$220.00}.
Consumer complaint received 2017-03-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Senex Services Corp. (LA)

I had paid all my debts off in 2015 and have never received a bill from these people since so I 'm sure it was paid and they called me and I have asked for them to send messages bill and they gave me my address and I still to this day have never received a bill so I believe they are trying to double collect on this beings out the blue I get calls from these people and this was put on here after several years and no bills and knowing I payed everything off that I was billed for they went back and trying to collect again
Consumer complaint received 2020-04-06
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: EQUIFAX, INC. (WI)

I am looking at my credit report and i am seeing hard inquiries that i did not authorize from : XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX  on XXXX XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XXXX I did not give permission for the above companies to pull my credit. 


I also have a balance from an account titled " XXXX XXXX  " for XXXX opened on XX/XX/XXXX that i have not authorized. 

There is also an account titled " XXXX XXXX  " for XXXX opened on XXXX XXXX that i did not authorize and have no knowledge about. 

I also have a account under the name XXXX XXXX XXXX XXXX with a XXXX balance that is showing closed on my credit report. I was told this account would be completely removed once paid, it has not been removed.
Consumer complaint received 2015-12-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (IL)

I signed up at XXXX 's XXXX XXXX in XX/XX/XXXX. I moved from the XXXX area XX/XX/XXXX, and cancelled my service with the gym within their contract by providing them the rent agreement. They still charged me for 3 months, and each month I disputed through my credit card, got my money back, talked to a manager who told me it was " fixed ''. During this, my credit card changed due to the incorporation of a chip, which was mandatory, and the charges naturally stopped appearing due to a changed CC number. Now it is 1.5 years later, and I received a debt collection notice in the mail.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: LEXISNEXIS (NC)

Lexis nexis consumer reporting reported a bankruptcy to all XXXX credit bureaus that has been dismissed I disputed with them they state they verified the bankruptcy with the court. They provided False information I have enclosed a letter from the courts that they Do Not Verify Bankruptcys with credit reporting or anyone nexis lexis provided False information to me and Violated the Fair Credit Act I want the bankruptcy deleted from all XXXX credit reports XXXX XXXX and XXXX and lexis nexis
Consumer complaint received 2017-04-11
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO. (FL)

I leased a Ford vehicle from Ford Motors in XX/XX/XXXX. When my lease expired in XX/XX/XXXX, I had gone over the mileage by about XXXX miles. XXXX ( XXXX ) told me that if I came to their dealership and leased a XXXX ( two hours away from me ), they would do a buyout of the Ford vehicle which would also take care of the extra mileage charge from the Ford. I left the XXXX dealership with a new XXXX XXXX and left the Ford with them. A few months later, I received a statement from Ford but it went to my parents house in another city. They tossed it aside because they knew that I no longer owned a Ford. Finally, after getting a few of these statements, they found that Ford was saying I was delinquent with money owed to them and it was sent to a collections agency. I found out that the money I " owed '' was for going over the mileage with the Ford. I called XXXX while very upset and they assured me that they would take it up with XXXX and that I owed Ford NOTHING because they did a buy out which included that extra mileage. Nowadays, I consistently check my credit score on websites and the derogatory remark from Ford was gone - I thought everything had been taken care of. Today, I tried to get my first time home owner 's mortgage loan and was denied because of a derogatory remark from Ford Motors. This is apparently still on my credit report and I do not owe it. At this point, I do not know what else I can do to have Ford and XXXX correct their mistakes.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Upgrade, Inc. (IL)

My credit card with Upgrade located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, California XXXX was fraudulently charge {$1900.00}. 

Upgrade is refusing to dispute the charges in accordance to federal law because I am out of state and can not obtain a police report at this time. They are telling me that my dispute will not be processed without this document, and that my statement alone is not enough proof to my claim. Upgrade is further stating that I am liable for the charges even though I am unable to obtain a police report. I am out of state on business and do not have the means to do as upgrade requests.
Consumer complaint received 2017-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IL)

Company charged too much interest more than what was promised. I also asked for ibr and was approved but they still have not placed all of my loans on the plan after several calls. ( XXXX University ). ( XXXX XXXX College ).
Consumer complaint received 2017-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

On XX/XX/XXXX a direct debit was taken from my account for {$69.00} and evenly applied across loans I had already paid off. This brought me to a negative balance, over-paying for loans that were already at {$0.00} balances. I called to make a complaint on the phone but was not given an email confirmation or an exact date for reimbursement. I 'm unclear if errors like the below were made in other direct debit payments taken from my account. I would like a refund on this amount, and assurance this error was not made across the payments I 've been making for the last four years. Below is the list of loans the XX/XX/XXXX debit was applied to and the date the loans were paid off in full : XXXX Stafford ( Paid off on XX/XX/XXXX ) XXXX Stafford ( Paid off on XX/XX/XXXX ) XXXX Direct Loan - Subsidized ( Paid off XX/XX/XXXX ) XXXX Direct Loan - Unsubsidized ( Paid off on XX/XX/XXXX ) XXXX Direct Loan - Subsidized ( Paid off on XXXX/XXXX/XXXX ) XXXX Direct Loan - Unsubsidized ( Paid off on XX/XX/XXXX ) Thank you very much, XXXX XXXX These loans are for the University XXXX XXXX XXXX XXXX I graduated in XX/XX/XXXX.
Consumer complaint received 2022-09-16
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: LEXISNEXIS (MN)

I am a victim of identity theft, also have been affected by the XXXX XXXX XXXX on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX/US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX has claimed to have verified this public record/bankruptcy via LexisNexis/XXXX. I have contacted LexisNexis/XXXX  concerning this bankruptcy and it has been removed from my LexisNexis/XXXX consumer report, so how is this bankruptcy being verified at this point? The following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are addresses that came from this identity theft and I have never been associated with these addresses.
Consumer complaint received 2022-04-15
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. (CT)

I went to the XXXX, was fully insured, gave my insurance card at the time ( they ALSO had it on file ) Was billed anyway but was never sent a bill until it was already in collections!!! XXXX removed it, however Equifax and XXXX " Validate '' the debt XXXX knows HOW but they do Proof of insurance attached as well as proof that what was done is 100 % covered!!!
Consumer complaint received 2022-08-04
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. (NY)

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Bureau 's has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts I believe it was reporting in error. 
XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$32000.00}
Consumer complaint received 2017-01-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

I had a auto loan with Wells Fargo Dealer Services for a XX/XX/XXXX XXXX. I traded the XXXX in for another XXXX and the trade-in dealer requested a payoff quote from Wells Fargo on XX/XX/XXXX. I had a payment due to Wells Fargo by XX/XX/XXXX for the XXXX. After completing the transaction for the new vehicle the XXXX paid Wells Fargo over {$40000.00} for the payoff on the XXXX on or before XXXX XXXX, XXXX. On XX/XX/XXXX I get a call from Wells Fargo saying that I had a past due balance of {$46.00} that was 20 days past due. My next payment would n't have been due until XX/XX/XXXX. I told the Wells Fargo servicing rep that she received a payment of {$40000.00} in XX/XX/XXXX and there is no way that I have a balance past due. If the payoff was short that is XXXX thing but nothing is past due. She advised me that they do n't count the {$40000.00} payment that came in on the loan when considering past due amounts which is totally ridiculous. The rep at Wells Fargo 's name was XXXX and her ID was XXXX. She was rude and refused to answer my questions or pass me to someone who could have further dialogue about the incorrect past due balance. She intentionally made false statements in her communication with me in an attempt to collect the remaining {$46.00} dollars outstanding on the payoff of the vehicle.
Consumer complaint received 2022-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (IN)

I negotiated a pay off through XXXX XXXXXXXX with a debt collector XXXX XXXX XXXX on XX/XX/XXXX on my Barclay account ending in XXXX. The contract payments were paid in full on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX sent a letter trying to collect after several attempts to verify it was paid on XX/XX/XXXX they received a fax with the payoff contract. Bank statements of payments and clear one contract and a letter of explanation. I spoke with employee XXXX XXXX and was told they received and reviewed documents and would no longer try to collect on this debt. On XX/XX/XXXX over a year later I received a letter trying to collect on the debt again. I called on XX/XX/XXXX and was told I still owe the debt. Im tired of being harassed by a different debt collector for the same debt which has already been paid.