davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Military Mortgage, LLC (WI)

I was interested in getting a Loan through lowvarates.com and I applied online. I was a mortgage broker in the past so I was very familar with the process. I was working with XXXX XXXX LOAN OFFICER NMLS # : XXXX, Branch NMLS # : XXXX, NMLS # : XXXX XXXX Office : XXXX Cell Phone : XXXX. I applied for the loan as he requested and filled out all the information that was requested to get a loan estimate on XX/XX/XXXX. I continued to ask for a loan estimate as he promised me a fixed rate of 2.5 % with some very low fees. I requested the loan estimate numerous times over the next 7 days through the chat feature online. He said I had to upload more and more additional documents. I finally uploaded over 25 additional documents that he requested. I had just went through the loan process a month ago and did a cash out refinance, and now I was looking to refinance again because I could do a NON cash out rate that would drop my interest rate from 4.125 % to the 2.5 % he quoted me. After uploading all the additional documents, he STILL REFUSED TO SEND ME A LOAN ESTIMATE and said he was not going to do it because he didnt want to do the loan because it would take too much time. I told him he was required by law to send me one and he still refused. After all this time, he stopped responding to my request and tried to pawn me off to another company. At that time, I wrote a negative review on XXXX concerning his conduct. 

He also erased everything from my file, so everything that I upload is no longer available after I spent 2-3 hours uploading these additional files I created. 

The SAME DAY as I posted the negative review, XXXX retaliated against me and RELEASED MY PERSONAL INFORMATION to his company and they pulled business from me as a notary. I had a signing with lowvarates.com to close a loan for them as my job as a notary. That loan was canceled by Lowvarates.com at his request, which has never happened in my previous 13 years as a notary. I have documentation showing the " fake '' loan with the 2.5 rate AND the cancelation notice from his company the day my review was posted.
Consumer complaint received 2020-11-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc (MI)

I sent a medical collection debt validation letter requesting information about this alleged debt that is on my credit report. The letter was received by a representative of the company who's signed the return receipt on XX/XX/2020. I have not received a response but I have proof that my letter was received. By law on the Fair Credit Reporting Act, a collection agency must respond within 30 days. The collection agency has failed to respond but yet still is reporting the alleged debt on my credit report. The law states that the Collector must cease all collection activity when in violation of this law. It also states that they must remove the alleged debt for failure to validate it within the allotted Time by law.
Consumer complaint received 2020-10-15
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA (AL)

The reason of this letter is that my credit is being extremely affected. I am very surprised and concerned by AES/XXXX  actions. I need you to take this matter seriously, and send me a response. 

I was to get a deferment DUE TO COVID-19, which was not given to me. I have been through a difficult ( overwhelming situation ) due to this virus.

Accounts involved are the following : 1 ) Account # XXXX, opened XX/XX/2005, original balance {$10000.00}. 
2 ) Account # XXXX, opened XX/XX/2005, Original Balance {$21000.00}. 

AES has committed the following violations : 2. Unfair business practices. 
3. Reporting discrepancies across bureaus. 
4. Failing to mark account as disputed. 
5. Failing to provide fair customer service. 
6. Negligence. 
7. Breach of contract. 
8. Reporting incorrect and inaccurate information. 

I want both late payments removed from my reports. 

Please send the attached documents to the company.
Consumer complaint received 2023-01-12
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. (TX)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (MD)

I've been trying to contact someone at XXXX XXXX at XXXX XXXX XXXX XXXX for the last 2 days to fix an issue with my account. 

At the XXXX checkout page, when I try to purchase a new phone and use my XXXX XXXX account, the system keeps redirecting me to a new credit application page. 

I've been on the phone with XXXX at XXXX and they basically said that the issue is with XXXX XXXX, operated by TD Bank. In a recent email exchange, one of the Customer Support from XXXX E-Commerce, I received the following instructions : XXXX XXXX XXXX XXXX XXXX ) XX/XX/2020, XXXX XXXX Hi XXXX, Please make sure that you have linked you XXXX account to your TD Account by going to this linked : XXXX XXXX XXXX XXXX XXXX Also, contact TD by calling XXXX. Check with TD if your address has been updated and then wait after 3 business for the change to reflect on your XXXX account. 
Warm regards, XXXX XXXX XXXX Customer Care XXXX I've tried to link my XXXX account to my TD account ( XXXX XXXX XXXX, and got the following message : We could not find your TD application We identified your XXXX Account but did not find a TD Bank application associated with your XXXX Account. Please sign-in with the email address used to create your XXXX XXXX account. If you lost your account, we can help you find it. If the XXXX Account email address and password you used when applying with TD Bank, N.A., for XXXX XXXX  is different than your current account, please contact XXXX Customer Care. 

SIGN IN WITH DIFFERENT ACCOUNT I've also called XXXX XXXX ( TD Bank ) at the XXXX informed and waited for at least XXXX until the connection dropped. 

From TD Bank XXXX XXXX XXXX XXXX my account is in good stand. Here 's a quick snapshot of my account as of XX/XX/2020 : Acc ending in XXXX Available Credit : {$2900.00} Total Current Balance : {$220.00} Thank you.
Consumer complaint received 2020-10-14
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. (TX)

I've contacted Transunion previously about inaccurate and fraudulent information showing on my credit report. XXXX is in deliberate violation of the Fair Credit Reporting Act. I have provided XXXX with proof that they are reporting inaccurate information, but they chose to still report the inaccurate information.
Consumer complaint received 2020-10-14
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: ENCORE CAPITAL GROUP INC. (GA)

I have made repeated attempts to speak with this agency regarding an account on my credit report SINCE XX/XX/XXXX. The item has been reporting on my bureaus since XX/XX/XXXX. I called the company XX/XX/XXXX and XX/XX/XXXX and the representatives refuse to discuss anything with my wife or I advising they were notified that we were " represented by an attorney '' XXXX. We have told this company repeatedly, WE DO NOT HAVE ATTORNEY REPRESENTATION. This account is being reported on my credit bureaus and the agency refuses to discuss this and continues to report it. I have not received any correspondence from this company. I have confirmed my current address. They are using this as leverage to file suit over something we can not discuss and have made multiple attempts to remedy. This debt was also disputed 2 months ago and validation of the debt was never received.
Consumer complaint received 2020-10-20
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)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

I requested my credit report through XXXX XXXX XXXX   XXXX to the 3 Credit Bureaus and after responding all the correct answers, it was denied. Each year its the same issue.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. Transunion has already removed several of these unverifiable accounts and yet XXXX  and XXXX  are still reporting some of them. XXXX in particular has not even responded to my dispute request at all. XXXX  is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation. I never received notice of this debt or the amount that is shown due on my credit report.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (OK)

Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet XXXX  and XXXX  are still reporting some of them. XXXX  in particular has not even responded to my dispute request at all. XXXX  is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation.
Consumer complaint received 2020-10-14
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. (NY)

I sent 4 rounds of letters to the credit bureaus, but they are not doing what they should do. I have a inquiries I didn't authorized and errors on my credit report.
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

Comenity Capital Bank, XXXX XXXX. This company does not offer automatic monthly recurrent payment. Around XX/XX/XXXX, I received a call that my account was late, I make the total payment over the phone, Which one I though it include the late payment fee. So on XX/XX/2020, I noticed a charge for {$37.00}, Which one also due for two days ( due date XX/XX/2020 ). I called the company and spoke with a representative name XXXX XXXX, I want to pay all my balance including the new last payment fee, for paying two days after. but the charge wasn't post it in the account yet. they did not want to charge me because I have to wait for the charge to be posted to the account. However, it's two days after, they know I will have another late fee and they don't want to charge me yet. I am trying to explain that I might forget to call again before the due date, therefore they will keep charging late fees. This company doesn't offer an automatic recurrent payment very inconvenient for the customer and convenient for them.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I was approved for an XXXX credit card with a {$300.00} limit ending in XXXX in XX/XX/XXXX and immediately paid the {$75.00} annual fee. The only charge to card was an {$87.00} paid in full without interest. I decided to close the account in XX/XX/XXXX prior to a relocation and after the final payment of {$87.00}. I never received the prorated refund amount paid on the {$75.00} annual fee for the closed account. In XXXX, XXXX, my family relocated to another state and I submitted a letter to close the XXXX card and mailed the letter and card back to XXXX aka XXXX XXXX. 

In XXXX, I noticed a collection amount on my credit report that with each month continued to grow by hundreds of dollars. I disputed the amount with the credit bureaus and the negative entry was removed. Again, in XX/XX/XXXX the negative tradeline was back on my credit report for a total of {$380.00} which I am assuming is the bank having charged another annual fee in XXXX to the closed and unused account and then repeatedly adding late charges and fees to the balance to increase it. I have not received any bills from XXXX aka XXXX bank due to relocation and I believe this may have been intentional. Now, XXXX aka XXXX XXXX  has finally reported the account as " Closed '' but has placed a Charge-Off amount of {$380.00} which I do not owe. This {$380.00} exceeds the original credit limit which places further damage to my credit. This account was closed in XXXX with a {$0.00} balance, and the card was mailed back to the bank. The collections department has been unreachable since Covid and XXXX   aka XXXX XXXX  refuses to reply to any disputes, My credit has been severely damaged and this has prevented me from refinancing my home and also caused my other lines of credit to have increased APR 's as I'm seen as a credit risk due to my XXXX  score dropping XXXX points when this was added to my reports.
Consumer complaint received 2020-10-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN)

I was in a accident XX/XX/XXXX, I was hit going to my daughter apartment. XXXX XXXX totaled the XXXX XXXX XXXX XXXX. I got this vehicle XX/XX/XXXX, from Carhop. I should have never got a vehicle because I had a XXXX XXXX first and when I took it too get a oil change they told us that we didn't have a drive shaft because the XXXX  can't be a AWD without the driveshaft. Carhop let me exchange the vehicle and I picked the XXXX XXXX. My payments were {$420.00} a month I made XXXX payments and on the XX/XX/XXXX XXXX XXXX  sent Carhop {$5500.00} and they still asking for more money, I been reaching out to them since the accident asking them what can they do for us. All I got was a email for a late payment and I don't know why they would keep having me pay on a vehicle we don't have. I was spending my whole government benefits to pay for that vehicle. Now I don't have a vehicle and now they are going to mess me and my daughters credit up.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (OK)

Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet XXXX  and Experian are still reporting some of them. XXXX  in particular has not even responded to my dispute request at all. Experian is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation.
Consumer complaint received 2020-04-02
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: Onity Group Inc. (NV)

I have repeatedly attempted to dispute with XXXX  incorrect derogatory information reported by PHH Mortgage services during 2017. XXXX  has done nothing to investigate other than pass my dispute on to PHH and allow them to self-report as they wish. I actually mailed XXXX  a year 's worth of 2017 unredacted bank statements ( attached ) which clearly showed I made timely payments for the account in question. XXXX  merely forwarded my bank statements to PHH and the account remained unchanged. XXXX  has assumed no duty to provide accurate information regarding this acccount despite my repeated efforts to have it resolved. PHH continues to lie about the maintenance of my account.

This started back in 2017 and I wrote PHH ( see attached ). PHH failed to ever respond. I am the victim of gross incompetence by PHH and XXXX  has done nothing but serve as a pass-through for PHH despite being presented evidence that PHH is incorrect and unfair reporting.
Consumer complaint received 2020-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (TX)

To whom it concerns : On XX/XX/2020 Collection company Receivables Performance has marked my credit for a balance of {$1900.00} for an account past seven years. On XX/XX/2020 I called to verify my information and due to statue of limitations the account should not be reported on my credit. I ask to please delete this account. 

Thank you!
Consumer complaint received 2020-10-15
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. (MA)

On XX/XX/2020 I disputed an item on my Experian Credit Report on an account with XXXX. My account was paid in full and the charge off amount should be removed and a balance should reflect {$0.00}. Experian did not resolve the issue fully and I again submitted a dispute with documentation and received the results on XX/XX/2020 that " The information you disputed has been verified as accurate ''. They did not verify the information twice because I have and provided documentation that the account is paid in full. If they actually made an attempt in either of my disputes, they would discover my disputes as accurate. Experian remains to be the worst credit reporting bureau in the business. I just want my credit report updated accurately as afforded to me by the fair credit reporting act and for this organization to do their job. Attached are the results of both disputes from Experian as well as a letter from XXXX stating my balance is PAID IN FULL!