davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE
Consumer complaint received 2020-07-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (NV)

I started a streamline refinance the 2nd week of XXXX due to covid I wanted to lower my payment so unemployment would cover my Freedom mortgage Loan Spoke to XXXX XXXX XXXX XXXX on XX/XX/XXXX 2020 Again on XX/XX/XXXX20 He told me to skip XXXX XXXX payments and pay XX/XX/XXXX payment, Didnt notify me of anything Else didnt enforce to pay Id refinance didnt go through during the process, my credit was affected by their negligence and lack of communications. I have all the digital documents they made me sign and refuse to fix the problem. 

XX/XX/XXXX20 it was transferred to XXXX XXXX XXXX XXXX who sent me digital paperwork XX/XX/XXXX2020 XXXX/XXXX20 Another loan person contacted me XXXX XXXX through email only never a phone call advising me to contact XXXX not rectifying the verbiage used by XXXX or letting me know anything really. 

XX/XX/XXXX20 Contacted customer service who was awesome letting me know all supervisors would be notified XXXX no one called me back XXXX spoke with A XXXX, XXXX they placed me in forbearance due to unemployment not paying until late may. 

XX/XX/XXXX20 Ashimi ( in charge of my case ) notified me my credit issues would be fixed in a couple or a few days not months and she would call me back, also said she didnt have a number just her ID which I forgot. 
I explained the entire situation she said it will be fixed. 


Today to this day they have not fixed my credit it actually decreased from XXXX to XXXX due to their error, I have called and Requested them to fix my credit at least, since the refinance was cancelled on my part because of the emotional trauma this has caused me. With everything going on with covid affecting my city immensely and all the anxiety caused by this company I dont understand how they are still in business. Freedom Mortgage is an appalling company and the loan department needs to be investigated from lying to entice a sale to lack of communication and ruining credit on their customers. I told them I work for. Federal company who requires a good credit report and have yet to care.
Consumer complaint received 2021-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OR)

I was awarded a grant or loan from the Hardest Hit program for {$50000.00} plus. I was never told of the correct amount from the Servicer nor was I explained where and how the money was appropriated. I wrote them numerous times and asked for an itemized account of how the money was distributed. I never got what I asked for however they gave me three different amount on three different times. The only account of the money was I was told my payment would be {$780.00} per month because of the grant.

With in a few days the Servicer wrote me and told me my payments was raised. A few more days later they wrote me again and said my payment was raised again. a few more days they again wrote me saying the same thing. I wrote the CEO and told him no one was cooperating with me and we have a LAW against that. This is called a QUALIFIED WRITTEN REQUEST ( QWR ). I told them I was not going to pay the raised amount until I see why and if they had a legal right to raise my payments. The grant gave them {$25000.00} for all behind payment for escrow accounts I wrote the CEO more than five times. I have been paying the {$780.00} on time since the grant and they have messed up my credit and never sent me the requested material. I was told about 10 days ago they would send the requested material in thirty minutes but they never did. I had a lady name XXXX from HOPE on the line with me. This Company have messed up my credit with lies about not paying my notes on time ( enclosure ). I have been on time with all my payments. 

When I had this loan refinanced in 2007 the two men that handled the refinancing was not licensed in Oregon. The State nor the Servicers have done nothing about that. I found this out recently. Is this legal?

I have wrote to the Government who gave me the grant but they only tell me to contact the State of Oregon. The State of Oregon start talking and all of a sudden the say let me call you back and the never do. One of the women I spoke to with the State of Oregon said she was the head person. 

I was told by an XXXX XXXX that this grant was not handled by the Laws of Oregon.
Consumer complaint received 2021-03-10
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. (NJ)

I've been disputed this same fraud auto loan collection account since it was brought to my attention in XX/XX/2020. The bureaus conducted their investigation and it was removed from my report after the investigation was completed. The account started reporting again 2 weeks after it was removed. Per my understanding, if an account is removed for fraud, it is blocked from reappearing on the report again and yet here it is. Furthermore, I've been redisputing it and the bureaus are taking no action to restart their investigation let alone look at the previous investigation notes. I shall make no further pleas. Next step will be a lawsuit.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (PA)

Please help. This problem has been going on for months with Chime checking account and credit builder account. My tax return was received then almost immediately entire amount taken ( XXXX ) in XX/XX/2022. My identity was changed multiple times and locked out many times so that I could'nt even see what was going on. I have tried to resolve with both chime and the unauthorized merchants. none were helpful. chime did an investigation on their own and stated it was not considered fraud but offered no explanation. even after my account was closed i recieved text asking if i had changed my phone number or charged x amount of dollars on the account. account is currently closed and money has not been returned to me. I have saved all my emails and facts/screenshots amounts and dates hoping to resolve this. It is a lot of money that I really needed.
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAVALRY INVESTMENTS, LLC (MD)

I learned through junk mail from other companies that this law firm XXXX, XXXX and XXXX ( XXXX  ) had filed a case in court against me. I called Calvary and then the law firm to get more information about it, and then once they explained where it was from, I explained to them that my financial situation has not changed, and in fact has gotten worse.

I initially spoke with one rep, who had a flat affect but eventually agreed to submit an offer. She wasnt able to answer questions regarding the terms and conditions and suggested for some of the questions to ask Calvary and then I also asked for a supervisor because I wanted to make sure I understood what the law firm was doing as well because it seems confusing. For example, the attorneys refuse to speak directly with the consumer unless it is in court.

The call got disconnected- I just heard dead air, so I called back so I could complete the offer request. 

I told the rep XXXX, that I only had a specific amount of money, which was about 25 % of the balance. I explained that I am not working at the present time and I don't foresee this changing in the near future despite my attempts to find new work and apply for unemployment, etc. 

She refused to submit my offer for XXXX to the company. When I began to cry and ask why, she said that I was being a bully and accused me of being forceful/aggressive when I am simply offering the company all I have. I have a recording of the call, that specifically showed that she refused to submit the offer and then went as far as threatening me with the outcome of the lawsuit and said I wasn't being realistic. She then went on to say that her company is willing to take this to court all the way and threatened me with interest accrual, etc. 

I told her that the amount I offered was all I had in the savings account. I asked if she was not interested in the money that I have, she said " yes '' " We are prepared to go forward with the court date, that doesn't change our position. Our client wants to secure a judgement. You are trying to bully me into accepting an offer. I cant change the fact that you have a balance of almost XXXX you aren't being realistic. ''
Consumer complaint received 2022-08-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I have numerous accounts on my credit that mostly Equifax is reporting incorrectly but also a few on XXXX and XXXX. 
The first is a public record that is hindering my ability to qualify for credit. Equifax is around 60 points lower than my XXXX and XXXX score due to the fact that they are still reporting a bankruptcy that was filed in XXXX. It was removed from XXXX and XXXX in XXXX of XXXX. I have disputed it twice since then and it is still reporting. 

The second issue is in regards to all three credit bureaus. They are all reporting my XXXX XXXXXXXX XXXX TWICE per account. I have 4 accounts and they are reporting 8 times ( two per account ). The account is current and reporting accurately as current and then also reporting a second time as negative which is it not. In XXXX into XXXX I did a rehabilitation program to bring these accounts out of delinquency and instead of updating the accounts and reporting them accurately, it now appears I have 8 student loan accounts when I have 4 and only 4. 

The third issue is XXXX XXXXr is posting as a negative account when A ) it is too old to be reporting and B ) I paid this account off in XXXX to a collection agency prior to purchasing my home. The issue here is that all the way up to XX/XX/XXXX, they are reflecting missed payments when this was sent to a collection agency and settled two years ago. 

The fifth issue is The XXXX XXXX XXXX  which is also posted as a negative account. This account as well is too old to report. It was also paid off to a collection agency in XXXX prior to purchasing my home and it still reporting missed payments up to XX/XX/XXXX. It has been paid for over two years. 

The last issue is XXXX XXXX. I have dealt with nothing but issue with this company since the getgo. The date of delinquency is incorrect. It was settled prior to purchasing my home in XXXX and it was supposed to be removed. When you speak to their company they are rude and hard to deal with. One person tells you one thing, another tells you something else.

All of these issues are affecting my credit and I have tried for two years now to have my credit report reflect accurate information. I have worked hard to redeem my credit, make all payments on time and opened my own business over a year ago and because of these errors on my report am constantly denied credit when I should be credit worthy. 

This is my last attempt at correcting it myself before getting an attorney involved.
Consumer complaint received 2021-07-31
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TN)

I received mail from NATIONAL CREDIT ADJUSTERS saying I owed a alleged debt.. NATIONAL CREDIT ADJUSTERS never sent any information including the right to dispute Pursuant to Title 15 USC 1692g ( a ). NATIONAL CREDIT ADJUSTERS never stated I had to right to have Verification/Judgement Mailed To Consumer Pursuant to Title 15 USC 1692g ( a ) ( 4 ). NATIONAL CREDIT ADJUSTERS never stated I had the Right To Dispute within 30 days Pursuant to Title 15 USC 1692g ( a ) ( 3 ). NATIONAL CREDIT ADJUSTERS is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 2 ) stated that the consumer owes any debt. NATIONAL CREDIT ADJUSTERS is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 5 ) any language or symbol on any envelope or communication indications debt collection business. NATIONAL CREDIT ADJUSTERS is in VIOLATION Pursuant to Title 15 USC 1692e ( 2 ) Im the ORIGINAL CREDITOR Pursuant to Title 15 USC 1602i CASHNET USA is also in VIOLATION Pursuant to Title 15 USC 1692c ( b ) & Title 15 USC 1681a ( 4 ) Evidence of Violations is included with this complaint ( Exhibt A )
Consumer complaint received 2021-06-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNCOAST CREDIT UNION (FL)

I had account with credit union with Suncoast Credit Union place my account on my XXXX  credit file without any notice Im in the hospital with XXXX and my brother tried to call credit union to explain and the woman said they would document account my brother lives in XXXX and work so unable to get to XXXX I can not make call either request the credit union remove account from my credit report and allow me time to get home so I can correct this problem. I dont understand how are they able to place a saving and checking account on my credit report that quickly do they not have to obey the rules the fair debt credit act has placed for all creditors and its not a credit card its my saving and checking account
Consumer complaint received 2021-06-21
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. (LA)

I've been disputing my credit file with Transunion, XXXX  and XXXX  to correct the errors found on my credit file that they disseminate. The XXXX credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, previous account + collection account reporting derogatory, Re-Aged accounts, Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, XXXX  reports {$0.00} HighBalance on all my revolving accounts. TransUnion Last payment does not coincide with TransUnion payment data history, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Consumer complaint received 2020-12-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. BANCORP (OH)

Someone left a message on my answering machine stating that they would beat my XXXX from this company the phone number XXXX XXXX XXXX I had informed them that my name is not the name on this that I had asked them before in the past to stop contacting me after that didn't work I proceeded to put the numbers on the block list and I was checking my messages and this is what I heard from XX/XX/XXXX Thursday at XXXX XXXX
Consumer complaint received 2022-08-21
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. (AZ)

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXXXXXX XXXX- {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXX XXXX  XXXX {$13000.00}.
Consumer complaint received 2021-06-21
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: WELLS FARGO & COMPANY (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-06-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and XXXX you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.
Consumer complaint received 2021-06-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SECURITY FINANCE CORP (TN)

The installment loan with Continental Loans in XXXX, TN was opened XX/XX/XXXX and was paid off XX/XX/XXXX but is still reporting on my credit report with a balance owed. 

I have disputed this information with XXXX  several times and they refuse to update this account to paid. 

There is also another account with the same company opened XXXX XXXX. The account reports late XX/XX/XXXX but has never been late, I contacted the creditor and they confirmed as well this account was never late. THis account was paid off in full XX/XX/XXXX.
Consumer complaint received 2022-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

In XXXX I requested to have the PMI removed b/c my home value met the 78 % loan-to-value threshold. In XXXX they cashed the XXXX checks and have ignored me since then. I called the fourth time again and was told that an appraiser will reach out to me in 10 days and that was in XXXX. My loan-to-value has been well below 78 % since XXXX, and I can provide comps to prove that, I am seeking retroactive credit for MI since XXXX when I made the initial request. The servicer is ignoring me and has taken my money, and I am now in need of your assistance. 

XXXX XXXX
Consumer complaint received 2021-06-02
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. (TX)

XXXXXXXX XXXX  collections is reporting violations to my credit report, and when I send them a certified letter, they refused to sign for it. Please see below the violations that are being reported. 

Account Name : XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX original creditor XXXX XXXX XXXX ) Account Number XXXX XXXX Violation Reported : account type listed as a collection. 
Violation Reported : account status listed as derogatory.

Violation Reported : illegally re-aged of accounts.

Violation Reported : date opened reported as of XX/XX/XXXX, and XX/XX/XXXX. 
Violation Reported : date of the last active is XX/XX/XXXX, and XX/XX/XXXX. 
Violation Reported : accounts numbers are the same and reporting different balance amounts. 
Violation Reported : original creditor refused to sign a certified letter ( copy enclosed ) These accounts are reporting inaccurate information, which makes these accounts in violation of FCRA requirements. Please see the evidence enclosed as proof of violations. Please see enclosed proof of mail, stating refusal to sign for the mail that was sent.
Consumer complaint received 2021-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

Other XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX  ) Account # XXXX Date Opened : XXXX Balance XXXX Other CREDIT COLLECTION SERV ( Original Creditor : 06 XXXX XXXXXXXX XXXX ) Account # XXXX Date Opened : XXXX Balance XXXX Other XXXX XXXX XXXX Account # XXXX Date Opened : XXXX Balance XXXX Other XXXX  Account # XXXX Date Opened : XXXX Balance XXXX Mobile XXXX XXXX Date Opened : XXXX Balance : XXXX