davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

We were given a loan modification in XXXX of XXXX. It is a two part loan modification. # 1 is a interest and principal amount which has a maturity date due in XXXX. THIS AMOUNT CURRENTLY is estimated about {$260000.00}. # 2 is a deferred amount due ater the # 1 is paid. This is estimated at {$240000.00}. At the time the deferred amount is due I will be XXXX years old. We were initially given the loan modification because I suffered a massive XXXX in XXXX an became XXXX and into forced retirement. Our income became significantly reduced there fore the modification. I jhave repeatedly contact Carrington mortgage who services the loan with questions about the deffered amount. i.e who the investor is on defferred amount, is any of the deffered amount forgiven under the original modification, etc. As of this complaint I have not received any answers to any questions. I have contact Carrington no less then a dozen times to try to get answers to no avail. When I had my XXXX I had no health insurance. I was responsible for all medical bills. Our credit to say the least has been destroyed. We are current on mortgage and have reached to Carrington for assistance as well as answers to questions. There are also questions with regard to # 1 part of modification. The only reason we ssigned the modification was to stay in house. Any help to receive answers, resolution etc. Would be greatly appreciated.
Consumer complaint received 2021-08-03
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: AMERICAN EXPRESS COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-08-15
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: Experian Information Solutions Inc. (FL)

XXXX XXXX has placed 2 inquiries allowed by someone else. This bank operatess out of nevada i do not do online applications and i do not need any loams or card not have i applied.i got a letter from XXXX XXXX my info was compromised. I advised company to remove inquiries and never enter my social into my their a Database. This govverment complaint was also requested by company. One inquiry was XXXX. One in XXXX  Company adress is XXXX XXXXXXXX XXXX XXXX XXXX  nv XXXX
Consumer complaint received 2021-08-15
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. (AL)

Civil liability for willful noncompliance is a civil lawsuit pursuant XXXX5 USC 1681n.

Experian You continue to willfully ignore the Federal laws you violated. I will not stop until I get my remedy. I have sent disputes time and time again and you continue to ignore FEDERAL LAW. I've sent a dispute on XX/XX/21 and XX/XX/21 showing the LAWS you have violated. I also sent proof from the company and you still ignored it while saying verified without any proof which is another violation of FEDERAL LAW 15 U.S.C 1681. Pursuant to 1681 ( c ) ( A ) ( 5 ) any adverse action is to be excluded from consumer reports. As a consumer, I demand that you remove DEPT OF VETERANS AFFAI XXXX off my credit report and never reinsert it again. By not adhering to my rights you are in violation of government law and I will move forward with litigation for damages and willful noncompliance. As a consumer, I have a right to privacy pursuant to 1681a. The affidavit should be answered line by line and if not I will be using the documents for exhibits that will prove you are in violation. This is my right and I will not hesitate to pursue further actions to enforce the protection of my consumer rights if need be. You are not to go to the data furnisher I'm the Orginal Creditor/Natural Person I say what I want to be on my credit report or not. It's my RIGHT to do so. I exercise my right as a consumer and tell you to remove DEPT OF VETERANS AFFAI XXXX off my report. I'm not asking, I'm demanding!! Don't tell me to send you any extra documents or that you have to check with the creditor, it doesn't matter. You are violating Federal Law by furnishing my personal information without my consent. That's called identity theft, and those are criminal ACTIONS!!
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

An inquiry was made on my credit on XX/XX/2021. The report number is XXXX. I was browsing homes to purchase on XXXX. I submitted an inquiry to see a property I was interested in. I immediately received a call from an agent at XXXX XXXX. He wanted to get some preliminary information to see if I would qualify. I told him that I was still browsing, and that I was not quite ready to proceed with that process. I had just got a job that I have yet to start, and I also had some other things I was trying to get in order. I further told him that I was looking to purchase within the next three months or so. He convinced me to give him some of the preliminary information. Experian immediately decreased my credit 14 points. My score went from XXXX to XXXX instantly for me trying to look for a better home for me and my XXXX children. I am a single dad, and it had been challenging to try to provide for my children. We have been throwing money away for so many years renting, and I want nothing more than to give them a piece of this " so called '' American dream, by purchasing something we can call our own. Experian is the only credit agency I have been consistently having problems with, as hard as I work to get and keep my score up. My credit score is XXXX with XXXX  and XXXX with XXXX, and they both blocked the inquiry without charging like Experian does. Experian is overly obtrusive, and disregards consumer 's privacy. They make it extremely difficult for people, particularly certain socioeconomic groups to get ahead. Please do something to regulate the practices of Experian, and help me to restore my credit score. Thank you.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

I was going to file a chapter XXXX and I could not continue it because of how much everything was going to cost. Ive ask the credit bureaus to take this information off my credit report, because the chapter XXXX did not take place. Im not in a chapter XXXX and by them reporting this, it is making me unable to get employment and any other credit. Im not in a bankruptcy, yet they are still reporting that Im am. It stated that it was dismissed. Even with that information, this should not be on my credit report.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I have been trying for 3 days to have a credit freeze temporarily removed from my Equifax account. I have called and talked with 4 different individuals. I have no access to my account. My password has been reset 3 times by Equifax and only works the 1st login then reverts back to the " incorrect information '' scenario. I have attempted to reset the password myself and I either get -- '' information does not match '' or the link is never sent to my email. I have spent an exorbitant amount of time on the phone with Equifax to no avail. I am trying to open a bank account and have spoken to the lender after Equifax has told me the freeze is lifted and the bank tells me it is not. I am being held hostage and I am unable to conduct business due to the incompetence and technical disaster they call a website -- -please help.
Consumer complaint received 2021-08-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am a veteran. I have fought for this country for my whole life just to come back and be treated like trash. My family and I have been struggling to find housing during this pandemic to find financing. My entire life I have been mindful of my finance obligations. According to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the Equifax Data Breach.
Consumer complaint received 2021-08-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a veteran. I have fought for this country for my whole life just to come back and be treated like trash. My family and I have been struggling to find housing during this pandemic to find financing. My entire life I have been mindful of my finance obligations. According to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the XXXX Data Breach.
Consumer complaint received 2024-11-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd. (VA)

Subject : Dispute of Incorrect Collection Entry and Request for Investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XX/XX/year> To Whom It May Concern, I am writing to formally dispute an inaccurate collection entry that was recently reported to my credit file by Harris & Harris LTD, on behalf of XXXX. I was made aware of this entry through notifications from XXXX XXXX XXXX and XXXX on XXXX XX/XX/year>, and upon reviewing my credit reports with all three bureaus ( XXXX, XXXX, and XXXX ), I found that this entry appears on all three. 

I would like to clarify the following points regarding this dispute : No Account with XXXX : I have never had any form of account, service, or financial obligation with XXXX. Therefore, this collection is either the result of a clerical error, fraudulent activity, or is being attributed to the wrong individual. 

No Communication from Harris & Harris LTD : At no point have I been contacted by Harris & Harris LTD, either by phone, mail, or any other communication method. This is the first instance where I have become aware of any collection attempt by this agency.

I have already filed disputes with the three credit bureaus ( XXXX, XXXX, and XXXX ) regarding this incorrect information. However, I also request that Harris & Harris LTD be held responsible for submitting inaccurate and damaging information to the credit bureaus. The collection appears to be related to the wrong individual, and the process by which this collection entry was filed does not seem to follow proper procedure. 

I kindly request the following actions : Immediate Removal : I respectfully request the immediate removal of this inaccurate collection entry from all credit bureaus.

Investigation of the Collection Agency : Please conduct a thorough investigation into the practices of Harris & Harris LTD, particularly regarding the potential mishandling or misattribution of this collection. 

Communication Confirmation : I request written confirmation from your agency once this issue has been resolved, including the outcome of the investigation and confirmation that no negative information remains on my credit file. 

Thank you for your time and attention to this matter. I expect that this issue will be resolved promptly and that the necessary steps will be taken to ensure that my credit report remains accurate. 

Very respectfully, XXXX XXXX XXXX
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have submitted multiple credit bureau disputes regarding XXXX XXXX XXXXXXXX XXXX reporting of my credit card account. I declared XXXX XXXX bankruptcy in XX/XX/XXXX ( discharged XX/XX/XXXX ), of which XXXX XXXX XXXX was included as a creditor. Because I declared bankruptcy, there should NOT be any negative information on my credit report. Shown below is how XXXX XXXXXXXX XXXX is reporting my account : Transunion : Remarks : Payment after charge off/collection Settled - less than full balance Current Payment Status : In Collections/Charge-off XXXX : Remarks : Account paid for less than full balance Paid charge off Current Payment Status : ( No info ) In contrast, this is how EVERY OTHER creditor is reporting my accounts included in bankruptcy as follows : Current Payment Status : No Info Remarks : XXXX XXXX bankruptcy
Consumer complaint received 2021-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

The company is Midland credit solutions. IT IS FOR XXXX XXXX  WHICH THE ACCOUNT INFO IS WRONG. Their are similarities in name but birthday and social are totally different and it has been verified. Also charter is not available in my part of XXXX. we have XXXX. They hung on me and were very rude and would not remove the charge from my credit report even tho they knew I'm not the person that they are looking for.
Consumer complaint received 2021-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NJ)

On XX/XX/21 I was charged XXXX by XXXX  XXXX XXXX ( Meaning XXXX, PA ) I live in XXXX XXXX, NJ and I do not go to a Fitness center. 

As soon as I seen this transaction on my account ( Approx XX/XX/XXXX ) I disputed the charge. Later I received information that they were going to put the charge back on my account. 

On XX/XX/21 I called MasterCard costumer service, I spoke with " XXXX '' who told me she could not help me and put me on hold from XXXX XXXX  to XXXX XXXX  until I finally had to get back to work. 

I called back about a week later and spoke with " XXXX '' who told me the case was closed I told her that I did not request the service so I should not be charged. I requested to speak with a manager, She told me she would have have the manager call me but that has not occurred.
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX DOB XXXX SS XXXX I have a few addresses that are not correctly showing on my credit file that needs to be updated. My only address isXXXX XXXX XXXX XXXX IL, XXXX. PLEASE DELETE THE FOLLOWING ADDRESSESXXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX.
Consumer complaint received 2021-08-15
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: Experian Information Solutions Inc. (IN)

My 1st husband remarried and his second wife has the same first name as myself. All her other aliases such as maiden, previous married name, middle name, some of her employment history is under my personal information on Experian. I've contacted them by phone more than once and either im on hold until I absolutely have to hang up or I can't even get to a representative.
Consumer complaint received 2021-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2021 I went to my local SunTrust bank to make a mortgage payment and try to get caught up on my forbearance. I made a cash payment in the amount of {$1100.00} to the bank manager XXXX XXXX who gave me a SunTrust receipt. I checked to see if the payment had posted to my mortgage account each day after and it was not received. 

On XX/XX/2021 I called SunTrust Mortgage department with a XXXX  3rd party HUD agent named XXXX XXXX who recorded the conversation. It took 1.5 hrs to get connected to a SunTrust/Truist representative named XXXX XXXX. We asked if the {$1100.00} had been posted to my account and she said no, and that she could not find it. She advised to call back in 3 days. 

I went back to the SunTrust bank where I made the payment on XX/XX/2021 and spoke with the Senior Relationship Banker XXXX XXXX. She filed a formal complaint with the mortgage department and provided me with a copy of the bank tellers receipt as evidence that the payment was received. 

Three days later on XX/XX/2021 the HUD agent I had previously called with, XXXX XXXX, called SunTrust/Truist with me again on a 3 way recorded conversation to find out what had happened to the money. After 45 minutes of transfers and disconnects, we finally were connected with a representative named XXXX. Ms. XXXX the HUD agent spoke on my behalf and questioned her about the missing {$1100.00}, at that point XXXX hung up on us. 

Ms. XXXX the HUD agent said that she would try again on XX/XX/2021. She also advised me to file a complaint with the CFPB and the States attorney for criminal action against SunTrust/Truist Mortgage. 

This is not the first time SunTrust has given me the run around about my mortgage. Since the pandemic started and I applied for a forbearance they have made the entire process almost impossible to understand. I am afraid I will loose my home and have spent countless hours making phone calls to ensure I am doing the right thing every step of the way. Most recently on XX/XX/2021 I called SunTrust and spoke with an agent named XXXX one on one. She assured me that my forbearance had been extended through XX/XX/2021 and that I had plenty of time to file a Mortgage Assistance Application. Then on XX/XX/2021 I received a call from a SunTrust agent named XXXX who claimed the forbearance is " pending '' extension. 

I feel that SunTrust/Truist Mortgage is being very deceptive and are purposely evading important conversations in order to foreclose on my home. I am doing my best to do what is ethical in this situation however, I feel that they are taking advantage of my because of my age of 75 years and my lack of computer experience. They are purposely avoiding phone calls even with a Federal Agent assisting me, and not being clear on what needs to be completed in order to avoid foreclosure on my home.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Huntington Bank has been the worst customer experience I have ever had. It's ridiculous that a bank of their size doesn't have the appropriate SOPs to vet or assist a new customer. They froze my account because they expected fraud which some people I spoke to said it wasn't and other people said it was. They shut down my online banking account, cashed my check, held my funds and now are saying they are deciding to close the account because it is a risk, however, they won't give my money. They said they can't get a hold of the issuing bank which is crazy. I okay with closing the account because I don't want to do business with a bank like this but I need you to release my funds. Asking me to get some documentation from the issuing bank doesn't make sense because I didn't need that for you to cash my check. Give me my money and we can part ways. You have already caused bills not to be paid and late payment fees that I have encountered. I will be contacting the CFPB, XXXX, OCC and whoever else until you give me my money back as soon as possible. This is my hard earned money and you can't hold it.
Consumer complaint received 2021-08-15
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: Mr. Cooper Group Inc. (CA)

Mr. Cooper Mortgage Company did not resolve my issue as it should have been. Please refer to complaint number XXXX. 

Mr. Cooper reported to me that they had the right to report a late payment to them. yet on XXXX XXXX I spoke to a representative from the Company who told me my numerous complaints to Mr. Cooper were still under review. I commented at that time that I was concerned if it wasn't reserved soon that it would affect an issue with my credit. I was told by the representative that I didn't have to worry about that as everything was still under review. If they record their calls as they state, they can listen to them and hear what I was told. Not believing that Mr. Cooper was moving fast enough I went ahead and made the payment they had requested even before the issue had been resolved. After this they reported a late payment to all three credit agencies effecting my score by almost 100 points. 

I have the legal right to have this removed from my credit reports. 

Please re-investiage. 

Thank you. 

XXXX XXXX