davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

In XX/XX/year>, Congress passed the Debt Bondage Repair Act as part of a larger package of legislation. This new law was drafted in response to survivors who shared how their trafficking experiences negatively impacted their credit scores, such as traffickers opening or controlling bank accounts or lines of credit in their name.

This new law required the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency responsible for overseeing financial products and services for consumers, to create a process through which survivors of human trafficking can apply to have adverse credit information resulting from their trafficking experience removed from their credit reports. The CFPB has created a proposal, known as a proposed rule, for how this process could work. They are now asking for feedback through public comment, a standardized process the federal government uses to get input on new policy
Consumer complaint received 2021-03-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Metacorp LLC (TN)

I recently submitted a claim against an outsourcing company called Metacorp. They responded to my original complaint today stating they outsourced this debt to different collection agencies. Spoke with XX/XX/XXXX and XXXX XXXX XXXX and are aware that I have spoke with XX/XX/XXXX regarding identity theft. They suggested I report identy theft to the FTC ( which I did XXXX so all communication would stop regarding this debt. They also stated and I quote " Nonetheless, as MsXXXX XXXX continues to alleged that this account was fraudulently opened, we have recalled her account from XXXX XXXX XXXX and have placed it in a " FRAUD-PENDING '' status. '' I just received an email now from XXXX XXXX XXXX with instructions to clear the debt. Obviously Metacorp did not do as they said they would.
Consumer complaint received 2021-09-11
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. (NY)

I contacted XXXX, XXXX, and Trans Union several times about fraudulent activity on my account. I sent my XXXX drivers license and passport serveral times and can not get my reports.
Consumer complaint received 2021-09-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've been waiting for my EDD Bank of America card for 8 days now it got sent off XX/XX/XXXX it takes 7 to 10 business days through priority mail UPS I've called the bank to have money transfer to my own bank account XXXX XXXX verify myself to the bank through EDD reps etc etc I keep going to run around and yet still have no bank card and they won't provide me a tracking number to find out where my bank card is they won't give me any kind of information Bank of America due to where my card is they keep asking me to verify myself just to send myself XXXX XXXX and they will not let me transfer any kind of my money to my own checking or saving account and it's been going on for about a week now and I still have not received my bank card
Consumer complaint received 2020-11-27
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: EQUIFAX, INC. (GA)

I sent Equifax and XXXX  a dispute letter on XX/XX/2020 regarding XXXX accounts on my credit report. Today is XX/XX/2020 and I have yet to hear a response to the investigation. Under federal law, they have thirty 30 days to complete their investigation and it has been well over 30 days. According to the FCRA, a credit bureau is required to respond within 30. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not they are in violation of the FCRA.
Consumer complaint received 2020-11-27
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. (CA)

On Friday, XX/XX/2020, I received in the U.S. mail my " Free '' annual copy of my " TransUnion '' credit report. 
On " Page 1 of 15 '' under the " Adverse Account '' section, if incorrectly states that I have a " Collection Agency '' debt for $ XXXX from " XXXX XXXX  '' for " Cable/Cellular. '' This so-called " XXXX Debt '' is NOT mine because I do NOT even own a " T.V. '' and I do NOT own a " Cellular '' phone.
Consumer complaint received 2022-09-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NV)

Not sure what stage the transfer of deed is in XXXX. around {$72000.00} Freedom mortgage is my mortgage company and with the Covid crisis they gave me a forbearance. While in the Covid crisis I sustained a pretty serious work accident and was placed on XXXX XXXX. I am formed Freedom Morgage of me being put on worker 's comp short term disability. To later find out the options they were providing were worse than what I had prior to. I was forced to file XXXX  XXXX bankruptcy where I found out there was a lien put on the house. Rather than Freedom Mortgage trying to help me by maybe giving me a second mortgage, so I could at least refinance but instead they did not properly inform me that I was selling a portion of my mortgage to some company.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

hello i wouls like to state i XXXX XXXX pay my bills on time i have all my bill confirmation and receipts and there are false errors in my credit report making my credit bad never had a credit card or been in any type of dept i would like my credit score to be investigated i feel its to low for the bills that i payed off my info XXXX XXXX XX/XX/1986 XXXX XXXX Address XXXX XXXX XXXX i would like to file suit for Defamation of Character XXXX XXXX experian and XXXX have not giving me my correct credit score i would like it to be fix i should be allowed monetary compensation under the FCRA act i have lost assets do to this false credit report the next complaint about my false credit errors goes fedreal trade commission
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (LA)

My mortgage servicer XXXX is bluntly delaying the release of insurance funds needed to repair my damaged home suffered from Hurricane XXXX. 

First I was forced to use a contractor to perform my home repairs, even-thou I have an extensive experience with Home repairs. 

XX/XX/XXXX : XXXX hits, file claimed for roof / siding patio damage. 
XX/XX/XXXX : Insurance check received and mailed to XXXX : {$4000.00} Dwelling For the roof and siding. 
XX/XX/XXXX : Supplemental Claim check : XXXX - Dwelling for interior damage ( mold was found in a bathroom, because of a leaking roof ) and mailed to XXXX. 
XX/XX/XXXX : received via mail check to XXXX : {$370000.00} for interior damage - Furnace no longer works, because of a leaking roof ) we have floor heaters to keep warm, XX/XX/XXXX With supplemental check received a signed contract was provided, to repair leaking roof, yet XXXX denied the contractor XX/XX/XXXXXX/XX/XXXX A new contractor quote and XXXX was sent to XXXX. 

I have called XXXX almost weekly since XX/XX/XXXX, and tried to escalate the release of funds to just at least repair my leaking roof. Always receive their RED tape, their inspectors are reviewing my files... etc. On XX/XX/XXXX I spoke to one of their managers who stated a check was to be sent overnight, and I should have a check to start my roof on XX/XX/XXXX, it is now XX/XX/XXXX and no check has been received.
Consumer complaint received 2020-07-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CASHCALL, INC. (CA)

I took out a payday loan with Cash Call back in XXXX. I defaulted on the loan because the payments were high and I could no longer afford to pay it. The interest rate was astronomical. I believe it was 126 %, but I'm not too sure, as that was almost 20 years ago now. 

The debt was then purchased by XXXX, XXXX XXXX XXXX XXXX has obtained judgment against me and now they say I owe {$7500.00}, even though the loan I took out was for {$2500.00}. They constantly call me, and my relatives, asking where I'm located so that they can serve me with court documents. I was afraid, so I called them back and made a payment plan of XXXX XXXX/month as that's all I could afford. I began doing some research, and the state of California, where I live, used Cash Call due to it's predatory loan practices and high interest rates. Cash Call was ordered to pay fines and also to repay some if it's consumers who had taken out the predatory loans. I believe I fall in this category, this debt is almost 20 years old and it's not fair that I have to pay back almost triple the amount of the loan.

I tried to settle with them for {$2500.00}, the original loan amount, but XXXX, XXXX Will not settle with me. They'd rather garnish my wages during a time that Covid-19 is happening. They are harassing me, and won't allow me to settle for a lesser amount. They are also threatening to garnish my wages in XXXX for a XXXX debt.
Consumer complaint received 2020-11-28
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: Experian Information Solutions Inc. (CT)

the information being reported on my credit report is incorrect. 
it's a few days short of 30 days and i have not received any updates on my fraud dispute letters. 

This Account not mine XXXX Account # XXXX Date Opened : XX/XX/XXXX Account not mine XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Account not mine XXXX XXXX Account # XXXX Date Opened:XX/XX/XXXX Account not mine XXXX Account # XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the 2nd time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Consumer complaint received 2024-12-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2022-02-10
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: Experian Information Solutions Inc. (MI)

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 719XXXXXXXX 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 XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-09-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I have been going through a refinance with a VA loan since XX/XX/2021, with various challenges along the way. This is the second complaint submitted to CFPB on the same loan with Truist. While the first complaint was only partially addressed, some items are of concern that will occur to future Truist mortgage customers if not addressed. After 9 months of processing, this second complaint was not addressed with multiple attempts via email when I requested the policies of Truist data acquisition and verification processes. 

Truist 's negligence in processing the loan resulted in inspections and various data points being collected expiring, requiring additional processing time. Truist loan officers implied VA process requirements increased the processing time when it was clear the delays were internal Truist processing with their underwriting office. When asked to see their policies that govern their procedures and requirements to verify information, Truist 's processing department managers ignored the request. They went on to question the integrity of the information provided. Truist processing managers went on to say their underwriting department claimed it was the VA requirements that resulted in the verification of details without confirmation of any policies or procedures that required the additional steps taken. 

Truist 's lack of transparency and accountability across departments created angst and delays in the loan, costing me thousands of dollars in paying interest on the current loan based on their processing delays while also implying fault with the VA requirements. 

Truist then made assumptions and made assurances in the paperwork to expedite closing to increase interest payments when the REFI was processed even after they were questioned. The responsible parties in the processing department did not address concerns until I refused to sign additional paperwork. The status of the loan is still unresolved.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing XXXX XXXX XXXX c ) ( B ) ( iii XXXX, which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : 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 and XXXX XXXX XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2022-02-10
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. (GA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information
Consumer complaint received 2021-09-10
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 — Problem with personal statement of dispute
Company: The Thomas Agency, Inc. (WV)

This Agency has reported multiple after multiple medical bills on my credit report. Ive contacted them with the information of the state health insurance that i had at the time informed them i also was a total permant service connected vet that i had that insurance as well.at the time. They told me they saw that i had insurance at the time and plenty of time before and after these medicql bills were charged. He refused to settle this matter because he said because the insurance could not be billed as of the current date being 2 years he said that now because the hospitals that billed me did not bill my insurances til it was to late to do so IM responsible for all these debts and this company keeps reporting this to credit beareu and thinks its ok and that i need to make payments in full and then maybe they would be removed i need help with these medical charges that were not my fault that they were billed to late to insurance companies that now IM responsible for these they have not bothered trying to do anything to correct these or even leave a statement of why these are still on my credit after 6 years of this i need help with this completley unreasonable company that refuses to take accountability for the mistakes in billing IM trying to buy a house with a VA home loan benefit and yhis company every chance it gets reports another {$110.00} here {$84.00} there and now i can not even deal with this person as they only want payment and they wont help with anything so after years of insurance covered health care ive had IM still repeadtly disputing these bills and getting no help with this and finding completley uncalled for negative comment on each bill reported
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

I have recently applied for a mortgage loan and we denied it due to the fact that STATE EMPLOYEES CREDIT UNION continues to incorrectly report information to the credit bureaus. I filed a complaint with the CFPB before but all they did was XXXX  out the accounts on the report and listed them as paid. After doing this SECU turned around and started reporting to the credit bureaus that the same accounts are now in charge-off status. I have been proactive in my efforts to have this misinformation corrected but they continue to report it. I have reached out to my local SECU branch and asked for help. The lady XXXX was has been wonderful about trying to help me correct this error but unfortunately, she isn't over this department nor is this her job function. The feedback that i received from SECU was that yes they will continue to report this as a charge-off until the full years of 10 years which in their eyes is until 2024. In the state of NC only judgements can report to the credit bureaus for 10 years. These two accounts I'm speaking of have never had judgments filed on them or me for these accounts. As of now, these accounts are 9 years old and per NC state law these accounts should have been removed and or deleted from my credit report over 2 years ago. I have provided documentation to prove the age of accounts, status they have been moved to since the last complaint I have filed with the CFPB. I have requested in writing for SECU to immediately stop reporting these accounts to the credit bureaus and have them deleted to be in compliance with NC and federal state law. This request has been declined by them and I am asking for the CFPB to please have them delete these accounts as they are reporting them incorrectly and causing my family and I undo hardships.
Consumer complaint received 2022-06-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (NC)

SO Basically I feel like I am being over charged for student loans I am a single mom of XXXX children I am struggling and these student loans are keeping me from doing anything productive for me and my family.I am currently still in school trying to pursue my career so I can live a better life for my children Its like every year it goes up tremedously I reached out to the lenders about this no response.