davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
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: CORELOGIC INC (NC)

On XX/XX/2021, I woke up to my credit monitoring alert informing me that a hard credit inquiry has occured on my XXXX  Credit File. I immediately logged into My XXXX  and saw a posted Inquiry from CREDCO XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021. 

After contacting CREDCO, the representative informed me that someone requested credit with my address but with a different social security number. I REQUESTED that this erroneous inquiry be immediately REMOVED as i did not apply for credit with CREDCO. 

I filed a dispute with XXXX  to remove this erroneous inquiry but XXXX  simply replied that inquiries are " Inquiries are a factual record of file access '' without providing any valid proof or documentation as i requested that was given to CREDCO. 

I am requesting that XXXX  DELETE this erroneous inquiry which according to CREDCO does not match the last four digits of my social security number. I have requested this within 24 hours of when i received the alert from my credit monitoring.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

us dept of educatio 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 us dept of educatio I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (MD)

I called Citibank twice during this pandemic to describe my hardship. I answered 4 phone calls from them when they called to tell me my bill was past due. On each of the 6 conversations I had with them each representative told me it was nothing they could do. The interest is mounting. I dont have the income to pay the bill and its a horrible position to put me in. My credit score went from XXXX to XXXX because of Citibank credit cards reporting and Unwillingness to help me during this difficult time.
Consumer complaint received 2019-02-15
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. (IN)

My student loans were in default status due to intermittent unemployment and persistent underemployment. Therefore, I entered into the Loan Rehabilitation Program with XXXX XXXX XXXX on XX/XX/XXXX. The Repayment Agreement was signed and submitted to XXXX XXXX XXXX via email on Friday, XX/XX/XXXX and Thursday, XX/XX/XXXX. The Repayment Agreement states that I was supposed to make at least nine ( 9 ) monthly payments of {$5.00} each month. I have made and XXXX XXXX XXXX XXXX XXXX has processed ten ( 10 ) payments, which was more than agreed. However, XXXX XXXX XXXX XXXX XXXX has neglected to provide this accurate information to all three ( 3 ) credit bureaus. I have complied with all requirements regarding timely paperwork and payment submissions. However, the incorrect repayment reporting to all three ( 3 ) credit bureaus continues to adversely affect not only my credit score, but also my attempt to secure credit. 

I have submitted all requested payments before or within the payment timeframe. The following payments, in the amount of {$5.00} each, have been submitted to date : No. Payment Date Payment Type Comment 1 XX/XX/XXXX Payment Card Submitted on XXXX website 2 XX/XX/XXXX Payment Card Submitted on XXXX website XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX
Consumer complaint received 2019-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have disputed and requested the removal / blocking of the following accounts that's continuing reporting on my credit report inwhich I still haven't been provided with the Method Of Verification inwhich was used to determine the legitimacy of these accounts ( 1 ) XXXX XXXX XXXX XXXX {$950.00}, ( 2 ) XXXX, ( 3 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$180.00}, ( 4 ) XXXX XXXX XXXX {$210.00}, ( 4 ) XXXX XXXX XXXX {$260.00}, I do not have absolutely any relationship nor contract with the above companies. I also requested the Method Of Verification inwhich supports their claims, I want to know what was the method of communication, via phone, email, text, fax, etc. Inwhom talked to whom, what date, day, and time. What physical documentation was provided, etc. And as an consumer and within the laws stated within the FCRA I'm entitled to this information, and if this is not provided to me then the above accounts shall be removed, blocked and/ or deleted immediately. Your cooperation is Appreciated!
Consumer complaint received 2020-06-26
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. (TN)

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/chargeoff, as well as that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit. ) These student loans have been consolidated. The bureaus initially corrected the balances to report {$0.00} however, they are still reporting the accounts as late and as a collection/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and all of these line items need to be updated and/or removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2021-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I need help getting my property taxes paid as my mortgage company has been unable to for the past two months. I've been calling since XXXX since my loan was transferred over to Mr Cooper my mortgage company with a XXXX tax payment that was never made and is now overdue. I'm now in Tax Foreclosure territory, please let me know how I can pull the XXXX sitting in my escrow to make the payment on my county tax site as the money is just sitting there and they have failed to make the payment. I've called Mr Cooper 6 times and even the escrow department 5 times as they work with XX/XX/XXXX but even they are non responsive. They seem to not want to pay the taxes even though the money is there in Escrow to make the payment. Mr Cooper now has stopped responding to me, I've opened escalation tickets, called back time and time again and I don't know what more I can do or who can help me ...
Consumer complaint received 2019-02-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (FL)

Took out loan of $ XXXX..Have paid back amount of loan plus {$210.00} they still want {$450.00} to settle account. Believe they are illegal in state of Florida based on interest rate and cap of {$50.00} per {$500.00} borrowed
Consumer complaint received 2019-08-07
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. (OH)

My credit is good. I applied for a ReFi on my home loan with XXXX XXXX- everything was great and we were going to close the loan in 2 days, when suddenly student loans and other derogatory remarks appeared on my report from Experian . As I investigated this matter thru Experian, I see that on my XX/XX/18 report, they added my sisters Student Loans, and other derogatory info to my report. Further, they changed my birth year to hers, and added her name as an AKA to my report. 

I did not get the ReFi because of this and so I called Experian Dispute Department. They still have not resolved the issue, and it should be further noted that XXXX   and XXXX has my correct information, but Experian has my sister merged with my report. If Experian is a data-operator, and not permitted to make changes, then how did this happen? I originally thought it was the Student Loan company that made the error, but I called them and they did NOT have my information on file, and there was no sign of my social security number in their records, so they couldn't have transposed or transferred that information to Experian, not to mention, all my sisters cfeditors are now on my report. 

I applied for another loan through another Bank and now they list my sisters derogatory creditors as the reason why I am being denied a LOAN.
Consumer complaint received 2019-02-15
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. (HI)

i am going for the mortage process, and i requested the credit report, once i receieved it, it doesnt show my credit score and i also see my brother name, social security number and address shown it on my credit report. also some addition address shown in my credit report as well.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

XX/XX/21 at XXXX pm I went into us bank to make a {$1600.00} cash deposit to my checking account. I gave the teller my California License and my check book. The teller asked where I worked and claimed this was standard with No Activity, then gave me a receipt for the deposit. On XX/XX/21 my account notified me of pending shortage, I checked the account to see that the funds were not there. I checked the receipt and the last four numbers on the receipt do not belong to my account. I have contacted the fraud and CSR regularly, given all agents the receipt information and I sent a email to area vp. It has been almost 30 Days and no one has returned my funds or reached out to attempt to correct this error
Consumer complaint received 2021-02-05
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)

I sent a request to Equifax Information Services, LLC and XXXX  XXXX XXXX XXXX  XXXX to have various discrepancies on my credit reports properly investigated and to have my information updated on XX/XX/2021 and never received any notice of such investigation from either company. I went online to their websites on XX/XX/2021 and attempted to dispute the information that way and they both are claiming to still be investigating. My credit reports are still very inaccurate and it is preventing me from getting decent credit offers and opportunities as I am currently in the process of purchasing a vehicle.
Consumer complaint received 2020-06-18
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. (PA)

I am a consumer in pursuant to 15 USC1692A3 XXXX, Equifax, and XXXX  are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX  Equifax nor XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. A FTC/Police report was filed and is attached to this complaint.

Department Of Education/XXXX XXXX Account # XXXX Amount {$22000.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$4900.00} Inquiries : 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 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   XXXX XXXX XXXX
Consumer complaint received 2020-06-18
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$590.00}
Consumer complaint received 2019-02-15
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: Federal Adjustment Bureau, Inc. (FL)

THIS IS A ONGOING SITUATION I HAVE FILED EVERYTHING WITH THE PROPER AUTHORITIES FTC, XXXX POLICE, CFPB, AND XXXX. MY PERSONAL INFORMATION WAS COMPRISED AND SOMEONE WAS USING MY ID AND SS TO OPEN ACCOUNT AND UTILITIES IN MY NAME. I HAVE NOT LIVED IN XXXX OHIO IN OVER 10-11 YEARS. XXXX AND XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (SC)

I have a loan with SYNCB/BELK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and SYNCB/BELK with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2019-02-15
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 have written to both Transunion, XXXX, and XXXX  XXXX pointing out that four student loans ( see excerpts attached ) are reporting inaccurately. Fed Loans is currently reporting negative late payments on the Payment Status line on my credit report. These four accounts are marked as closed and showing a XXXX balance. How can the Payment Status line show anything other than Current or Unknown? Historical late payments are shown in the 24 month payment history and should never be shown on the Payment Status Line. 

Such reporting is 100 % inaccurate and is hurting my credit score which is extremely harmful to a current home loan approval pending. 

Please correct this reporting error as soon as possible.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

On XX/XX/2020 I wrote Select Portfolio Servicing, Inc. and requested that they explain to me how a financial institution can dual use a Special Warranty Deed With Assumption. 

It appears that the financial institution recognized the legal standing of the Special Warranty Deed With Assumption by only dealing with one party and modifying the mortgage. By this I mean the financial institution used the Special Warranty Deed With Assumption to waive the requirement for the signature of the co-borrower when the mortgage was modified. 

On the other hand the financial institution elected to ignore the fundamental basis of the Special Warranty Deed With Assumption,  which is that the Grantee agreed to assume and promised to pay all principal and interest remaining on the mortgage on the property. 

The Special Warranty Deed With Assumption was completed as part of a divorce that took place 29 years ago. After 29 years Select Portfolio Servicing is listing the late payments on the mortgage on my credit report.
Consumer complaint received 2019-02-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (UT)

XX/XX/19 XXXX  at XXXX XXXX contacted a distant ex relative and discussed my account including who the debt was with ( XXXX  ) and told her it was a collection account. He tried to get information about me. XXXX   and XXXX XXXX have been notified by XXXX XXXX XXXX  via mail that they are working with my creditors and to contact them. They have ignored this information and given out personal account information to a unauthorized third party. He gave a phone number to contact of # XXXX ext XXXX.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB # XX/XX/1959 To who it may concern, There was a breach with the XXXX  XXXX XXXX XXXX and requesting a deletion : inaccurate information You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights. 
15 U. S. C 1681 section 602A. Clearly states that 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 an account without my written instructions. 
15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 
I am Requesting all these inquiries be deleted : 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 2019-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (PA)

On XX/XX/XXXX i received emails stating that my payment plan had been changed. I had just submitted my yearly recertification in XXXX for my IDR plan. It was approved and recalculated on XX/XX/XXXX. There was no explanation as to why my payment plan was switched other than a system error. This resulted in capitalization in my interest on XX/XX/XXXX and again on XX/XX/XXXX when my plan was switched back to the IDR plan to allow me to continue in the PSLF program i am nearly 5 years in. I received letter on XX/XX/XXXX stating my request to reverse my capitalization has been approved and completed and also received another letter on XX/XX/XXXX stating the same thing. I have called numerous times and continue to get bounced around to someone that can tell me what happened and when i can expect this to be fixed as the information i have been given is that this is completed. Due to this system error that occurred in XXXX i have experienced a delay in payments that qualify for the PSLF program along with an increase in payment amount due to the capitalized interest. The information provided to the public states that we pay a percentage of our income towards our student loans and no one can give a straight answer as to why this is the case or when i can expect this to be fully resolved. My student loan principal balance is {$8000.00} dollars higher at this time and continue to make the higher payments in fear if i miss i will not qualify for PSLF anymore given the strict policies. I have expressed and tried to work with XXXX XXXX on many levels to get this resolved however for a system error that occurred overnight on their part it is unacceptable for it to take 4 months to resolve. I feel XXXX XXXX needs to be investigated for unjust student loan practices involving the capitalization of interest for unknown reasons and untimely resolution of problems resulting in the disruption of repayments and lives.