davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXXEAccount Number : XXXX days late in XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX  XXXX Account Number : XXXX days late in XX/XX/XXXX, XXXX XXXX XXXX and 60 days in XXXX XXXX. 

XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXXXXXX30 days late in XXXX XXXX, XX/XX/XXXX, and 60 days in XX/XX/XXXX. 


I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2020-08-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (FL)

We are applying for our loan refinancing since XXXX in Navy Federal Credit Union. Until now we havent closed and we contacted our loan processor for the past few days on XX/XX/XXXX and XX/XX/XXXX through their customer service to provide us an update on where are we in the process. The last time we have heard from her was XX/XX/XXXX. We were informed that nothing is required from us and that it was ready to be submitted to the underwriter. She even said that we will hear from her in the following week meaning after XX/XX/XXXX. Despite of our resiliency, our attempt to get hold of the processor, we were never provided with an update. 

Prior to XX/XX/XXXX, there were series of emails that we sent to her to provide us an update but she never replied in our email. It was in XX/XX/XXXX that she spoke to us. Our loan refinancing has been more than 115 days and Navy Federal has been so slow in processing our loan application. I was told by the customer service representative that the loan processing could be take 120days. We felt that we are being overlooked despite of our proactive approach in providing what is needed to close. We are navigating in uncertainty and we desire to protect our family by being resilient but this bank has never understood the proactive approach in conducting business. The loan should not be sitting there left untouched. 

I also reached to customer service to let me talk to the supervisor but did not even receive a call or email to provide an explanation. 

I am writing this complaint so that due attention should be given not only to us but also to the customers out there who experienced the same treatment and let the management of the Bank draw a proper attention. 

You contact me to provide support and details.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (NY)

I paid the Midland Collection in full and I was told that the collection will be deleted from my credit 2 years from the first delinquency. On XX/XX/XXXX, I spoke to a manager at Midland who informed me that Collection is going to be removed on XX/XX/XXXX XXXX XXXX, XXXX ... 
As a result, I entered a contract to buy a house, knowing that this collection is getting removed on XX/XX/XXXX, and scheduled the closing date for XX/XX/XXXX. 
When I called back on XX/XX/XXXX, I was told " sorry the manager made a mistake and the account is not getting removed until XX/XX/XXXX XXXX!!! 
I was given FALSE info on XX/XX/XXXX, which resulted in me entering a binding contract to purchase a home knowing that this collection will REMOVED ON XX/XX/XXXX. 
MIDLAND manager MADE a huge mistake, and I am asking Midland to listen to the conversation that took place on XX/XX/XXXX, and take ownership for their mistake, and to DELETE this tradeline from my credit in its ENTIRETY.
Consumer complaint received 2022-07-11
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. (NY)

Experian is reporting a date last active of XX/XX/XXXX while the other bureaus report different dates ( XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX ). 

Experian also reports the last reported date as XX/XX/XXXX, which indicates that this account was never investigated or legally verified.
Consumer complaint received 2021-06-09
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: Navient Solutions, LLC. (MD)

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 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing charged me {$42.00} in late payments 2x, I submitted a letter as they told me I needed to as to why my two payments were late. because I have never been late they waived one late fee but not the other. I submitted a letter of explanation in XXXX stating my payment was a little late due to ( coronavirus ) unemployment not kicking in. SLS refused to waive late fee, I have called monthly requesting to speak with a supervisor and have never received a call from one. This issue has been on going for moths with me monthly contacting SLS in addition to two letters being sent in with my payments asking to speak with a supervisor. Today one finally returned my call and waived the fee. Please look into why they do NOT respond to letters, they do not return calls and you can NEVER reach a supervisors.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OK)

I have been paying on a closed account with XXXX XXXX with Comenity Bank since 2019 when XXXX XXXX closed their stores. I have never missed a payment, and have always made payments online. Last week I tried to access my account online to set up my XX/XX/XXXX payment. When I attempted to log in, I received a message about problems with full access to accounts due to a system update. It tells me I can still make a payment using XXXX XXXX, but since I no longer have an actual credit card, and only received statements online, I do not know my credit card number. This fact prevents me from setting up access to my account online. When I call to speak to customer service, I get no help at all. They either hang up on me or I can not understand them due to their accent. The last person I spoke to told me to try again next week.
Consumer complaint received 2020-09-11
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. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have  got into the hands of the wrong person.
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (IL)

In XX/XX/2022, I received an account statement for checking account. The statement listed my full name and address. I did not open this account, nor have I ever been a customer of Wells Fargo. This was the first correspondence about this account that I received. I did not receive a notification that this account had been opened in my name despite the account having my correct name and address. 

Prior to this, my information was leaked in XXXX of the many internet breeches over the last several years, so the mystery of how my information was obtained is not really a mystery. In response to this, I created freezes in XXXX, XXXX, and XXXX. 

I called Wells Fargo on XX/XX/2022 and their representative told me that this account had been open in XX/XX/2022 and that I only received a statement because I would start accruing charges for not meeting the minimum balance. There was no balance in the account and no activity on the statement I received. I find it difficult to believe that a somebody would open an account with my credentials, yet not use it for anything. It seems the only entity that would benefit from this is Wells Fargo, particularly in light that the account would start accruing minimum balance fees had I not found out. 

When this account was opened, I had credit freezes on all three of the credit reporting agencies. While this account was not a loan account, so there was no actual requirement to do verify credit, it seems a reasonable step to take in the era for identity theft, leaks of personal data, and rampant online fraud. It also seems a reasonable step to send out a written letter confirming that an account has been opened.
Consumer complaint received 2020-07-30
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: Experian Information Solutions Inc. (MN)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Berman & Rabin, P.A. (OK)

XXXX XXXX XXXX XXXX-berman and Rabin Pa. 
Back in XXXX this debt collector did a judgement against me from an orginal creditor XXXX  XXXX XXXX credit card of {$1100.00}. They collected on zombie debt. I ended up getting my wages garnished resulting in paying well over {$3600.00}. I switched jobs. In XXXX XXXX they tried renewing the judgment illegally after the statue of limitations expired and they ended up releasing my {$3000.00} in my bank account as I had to hire an attorney. They violated the FDCPA.Recently on XX/XX/XXXX XXXX XXXX is attempting to renew a judgement from the same case that is from XXXX, well passed the statue of limitations in Oklahoma trying to collect on very old debt.
Consumer complaint received 2022-07-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTEGRITY CREDIT CORPORATION (FL)

I recently applied for a mortgage loan on or about XX/XX/22 with Integrity Credit Corporation ( MLS ID XXXX XXXX XXXX ). During the origination process I detailed my employment and financial history prior to allowing for the brokerage to pull my credit report. I was assured that I could be placed in a loan product as I was already in contract to purchase my home. I was told to pay off over $ XXXX in personal debt in order to raise my credit scores and be eligible for their XXXX XXXX XXXX. At the XXXXXXXX XXXX recommendation I in fact paid off ALL of the recommended accounts as suggested. After 2 weeks of back and forth communication The XXXXXXXX XXXX processing staff communicated that I could not qualify with the income that was provided. The XXXX did not respond to calls, texts or emails when I expressed my disatisfaction with the discrepancies. I have sufficient income, assets, and now increased credit scores. Since the beginning I was pushed towards a higher priced loan option that clearly benefitted the mortgage company and not me as the consumer. In addition, the products that were presented almost 3 weeks after the loan application were 10 % below the promised loan amount financing of 80 %. During the entire process, I never received 1 LE or federal disclosure as required by Reg X, and Reg z. In the end, the XXXX XXXX tool was never used after all proof of paid accounts were provided to the Broker. This was a case of the old bait and switch tactic.
Consumer complaint received 2020-08-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have filed several disputes against items on my credit that are inaccurately there. Payday loans, XXXX XXXXXXXX XXXX, a couple store credit cards and an old XXXX  bill that was sent to collections that I disputed directly with the company.
Consumer complaint received 2022-03-18
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: CURO Intermediate Holdings (TX)

Countless times, XX/XX/XXXX - XX/XX/XXXX I have reached out to the original creditor ( Speedy Cash XXXX XXXX ), which now Ad Astra Recovery SE is now the collection agency. I notified both companies in writing that I am a victim of identity theft, and requested that they close the unauthorized account, remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files, XXXX, XXXX, and XXXX. I have contacted FTC Identity Theft Report to report this. I have both companies to send me a letter explaining their findings, and that I am disputing the fraudulent charges. I have mailed so many letters, yet, no response. The amount is {$1700.00}.
Consumer complaint received 2020-08-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

There is an incorrect outstanding debt collection still showing on my credit report through Equifax that has been previously paid on XX/XX/2020. The collection amount of {$190.00} was paid to XXXX XXXX XXXX ( XXXX ) for a former outstanding debt to XXXX XXXX XXXX. I have tried now numerous times to get this corrected through Equifax through their online dispute process, but with no success. When contacted by phone they tell me there is nothing that they can do and that they can only go by the information that the debt collection agency, XXXX XXXX XXXX, provides to them. But in contacting XXXX XXXX XXXX ( also numerous times ) they clearly show this has been paid in their system and have even provided to me an receipt for payment of this former outstanding debt. I have provided this receipt to Equifax along with my last dispute attempt and still Equifax came back after their review showing the collection amount was still outstanding. Help!!! 
This is affecting my credit score through them and given the current economic climate it is even worse ... Equifax has been awful to deal with to try to get this simple problem resolved!!!
Consumer complaint received 2023-01-19
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 2020-08-13
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. (MN)

I reached out to the creditor to dispute incorrect information and they claim they can't verify this account since the account is with a third party. This is a violation.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (IL)

Ive been having a recurring issue with Truist charging maintenance fees on my legacy Suntrust savings account. The account in question has had recurring transfers of {$30.00} from checking into savings each month since opening the account which is one of the conditions for avoiding the {$7.00} maintenance fee. After the changeover to Truist, their system has charged this fee although nothing has changed with the account. I contacted Truist through XXXX in XX/XX/XXXX about this issue and was credited the fees and told the issue would be resolved. On XX/XX/XXXX, I was once again charged a {$7.00} maintenance fee. Ive reached out to Truist through XXXX once again via a XXXX and direct message about the issue and have yet to receive a response. Ive also contacted Truist twice through their chat support and have been unable to get the issue resolved.
Consumer complaint received 2021-04-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC. (PA)

XX/XX/2021 I received a letter from ANFI, Inc about a debt that was sold to them from XXXX XXXX XXXX XXXX XXXX XXXX For the amount of ( {$330.00} ). XX/XX/2021 i wrote ANFI, Inc a debt validation letter asking for a contract bearing my signature and how do i now owe them when i paid XXXX XXXX XXXX, XXXX a settlement amount of already {$400.00} and when i went to make my last payment they told me I had to wait to ANFI contact me regarding the debt now. Which i didnt understand so now ANFI responded with nothing but another bill. Why cant I get the contract bearing my signature on a debt they allegedly say i owe.
Consumer complaint received 2020-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX, Company 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