davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (MD)

I was on CARES forbearance for 4 months, in XXXX I resumed making payments while BSI was working on loan modification documents. I asked if there are other options available for me and I was given only two : loan modification or lump sum of the missed payments because that's what I " qualified '' for although CFPB says if I have a federally-backed loan ( mine is VA ), my servicer can't make me pay in lump sum. I waited for the loan modification documents to come because the BSI representative I spoke to said there might be a " small '' interest rate hike. When I received the loan modification documents last week it was 3.5 %! my current rate is 2.75 % and no, 3.5 % is not " small '' and definitely not amenable. My VA loan technician and I have been trying to reach to BSI for over a week to discuss about my other options and to correct its inaccurate credit report that I'm behind my payments however we haven't heard from them. Today, I received a new online statement for {$14000.00} due in XXXX. I'm guessing this is an ultimatum from BSI because I haven't signed and returned the loan modification documents so next thing I have to do is lump sum payment?
Consumer complaint received 2020-10-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

On XXXX of 2020, Portfolio Recovery Associates added a derogatory mark on my credit report per XXXX XXXX, Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Portfolio Recovery Associates has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2022-06-11
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)

This is to inform you that I XXXX XXXX am submitting this complaint and report of ID theft on my own behalf there is no third party involved in this complaint. The following was not submitted in error. This is not a complaint to open or dispute and of the following accounts listed in this here complaint. Pursuant 15 U.S. Code 1681c ( 2 ) ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. Included you will find FTC identity theft report, Identity theft Affidavit, Police Report, copy of ID, Utility Bill and Social Security Card. I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries, and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), and mail me a new credit report to my address of record below and place EXTENDED FRAUD ALERTS on my credit report if you have not done so already.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/XXXX, I called TD Bank and spoke to XXXX  ( call center badge ID number XXXX ) regarding the inaccurate reporting of my account to the CRA 's. XXXX indicated that htere was nothing she could do. I asked to escalate the matter to her supervisor, she indicated her supervisor did not take calls. I asked to escalate the issue to another supervisor and XXXX responded that she was the HIGHEST point of escalation and there was nothing further she could do. 

I attempted to correct the issue first through XXXX  ; however, every time I filed a dispute the balance came back as confirmed at {$2000.00}, when the balance is actually {$1000.00}, a difference of ~ {$1000.00}. 

On, XX/XX/XXXX, I attempted to resolve the issue again, to no avail. I called TD Bank and was disconnected ( or hung up on ) after being on hold for over 30 minutes. As a result, I did not get an opportunity to speak to the dispute department as a result. 

TD Bank 's inaccurate reporting, combined with XXXX 's disregard for the issue has impacted my ability to secure financing for a new home purchase.
Consumer complaint received 2022-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (LA)

I have dealt with this on my other credit reports. They have an account showing with sprint, that is fraudulent. It has been removed off of all other reports, except XXXX. 

The account was never mine, and now its causing me issues with a home mortgage. They offered to let me pay for an account that was not mine, and they would remove it. With me paying off a debt that is not mine!!! I will not, and I refuse to pay something I do not owe!
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX is violating the FCRA and not adhering to the law governing such. The accounts are as follows : 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 

15 U.S.C. 1681 ( A ) ( 4 ) " here is a need to ensure that credit reporting agencies exercise their grave responsibilities with fairness and impartiality, and a customers rights to privacy. '' 15 U.S.C. section 604 ( A ) ( 2 ) " a consumer reporting agency can not furnish an account without my written permission.

15 U.S.C 1681 ( b ) ( 2 ) Permissible purpose of consumer reports. " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 U.S. C 1681 ( I ) Procedure in case of accuracy. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

XXXX has taken 60 days including the investigation. I have all certified mail receipts.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WV)

I wanted to add a brand new 7 year extended fraud alert to my credit reports because I was the victim of ID theft again. I wanted the old alert soon expiring replaced with a brand new 7 year extended fraud alert for a new 7 year period with my updated phone numbers on the new Extended Fraud alert.
Consumer complaint received 2022-12-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation (NC)

on XX/XX/XXXX ONEMAIN FINANCIAL CALLED MY PLACE OF EMPLOYEMENT REGARDING A PERSONAL LOAN I DO OWE AND I AUTHERIZED A PAYMENT TO BE MADE FOR XX/XX/XXXX. WHEN I ANSWERED THE PHONE I TRIED TO LET HER KNOW I COULD NOT HAVE CALLS AT MY PLACE OF EMPLOEMENT AS I HAVE TOLD THEM MANY TIMES IN THE PAST, ALSO TOLD HER MY BOSS WAS IN FRONT OF ME BUT SHE DID NOT CARE SHE CONTINUED TO ASK ME QUESTIONS AND I HAD TO YELL AT HER ( XXXX ) BECAUSE I DO GET IN TROUBLE FOR PERONAL PHONE CALLS, AFTER I HANG UP ON HER SHE PROCEDES TO CALL MY HUSBANDS PLACE OF EMPLOYEMENT WHERE SHE ASKED MY HUSBANDS CO-WORKER QUESTIONS ABOUT HIM A CO-WORKER WHO IS A EQUAL TO HIM NOT IN XXXX COMPANY IS HURRASSING US AT WORK ONEMAIN XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX THANK YOU SO MUCH, XXXX XXXX
Consumer complaint received 2020-07-05
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. (IL)

The problem is Equifax is still reporting this Incorrect & unverified account on my report. I sent multiple letters stating this account if incorrect & unverifiable, they never sent proof on how they verified the information.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MS)

I had a loan with a company by the name of XXXX XXXX. The Loan that I had is no longer on my credit report the co-signer that I had on the loan, made a claim that it is on his credit report. The account is no longer showing up on my report, and I did indeed have a loan at XXXX. I borrowed from the loan company three times. These are the following dates. 

XXXX XXXX- Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX- Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX- Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have tired to fix the Problem with Experian Multiple times I have sent them my police report, copy of my FTC and the still send me some generated letter saying they won't blocked information. Enclosed is the generated letter I received not only are the reporting a fraudulent account on my report but they are also added inaccurate and fraudulent late payments on this fraudulent account for the month of XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX not only are they inaccurate but this is a fraudulent account. I talked to a fraud department to some one named XXXX who wouldn't let me speak to a Superviser and said they didn't care about my police report also said he wouldn't not give me the information to their Headqurters when I asked who he was with he said the XXXX department. The police department does not know what they want when they already issued me a police report. I am providing my Police report, FTC affidavit copy of my dispute and the copy of the generated letter they keep sending me. I have also contacted XXXX XXXX and send them all the documents I was told they account was closed years ago and it has nothing to do with me. I do not know where they Experian is getting this fraudulent information. They are the only credit reporting agency who is knowingly and willingly reporting fraudulent account on my credit file. XXXX  and XXXX  do not have this fraudulent information on my credit report. After trying to resolve this issue on the phone today on a recorded line XXXX from the fraud department told me to file a lawsuit and that will be the only way they would let me speak to the legal department. You can listen to the recorded conversation the call was made XXXX XXXX at XXXX XXXX from the XXXX  fraud department.
Consumer complaint received 2020-10-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MA)

1. Delayed mortgage discharge issuance 2. Massachusetts XXXX requires that lenders provide the closing attorney a mortgage discharge within 45 days after the acceptance of full-payment and that has not occurred. The delay is causing me financial hardship as I can not close on a home equity line because of this. I have spoken with them several times and can not seem to get anywhere with them on this. I am reaching out for help to get this resolved ASAP. 
3. Fifth Third Bank was paid in full on XX/XX/20 however no mortgage discharge has been sent to my closing attorney. I would like them to send a mortgage discharge to my attorney XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. 
4. The lender is Fifth Third Bank XXXX XXXX XXXX XXXX, OH. My account number is XXXX. 
5. My name is XXXX XXXX. The property address is XXXX XXXX XXXX XXXX, MA XXXX.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I had a loan with a company by the name of XXXX XXXX. The Loan that I had is no longer on my credit report the co-signer that I had on the loan, made a claim that it is on his credit report. The account is no longer showing up on my report, and I did indeed have a loan at XXXX. I borrowed from the loan company three times. These are the following dates. 

XXXX XXXX- Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX- Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX- Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX
Consumer complaint received 2022-10-09
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. (DC)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX 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 XXXX Experian XXXX Account # : XXXX XXXX XXXX Bureau Code : Individual Individual Individual Account Status : Open Open Open
Consumer complaint received 2022-07-22
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. (MS)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiry I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiry : XXXX XX/XX/2020
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (FL)

Td bank!!! 
I have been complaining twice about their last overdrafts fees and how I have been charged even I deposit a money via wire transfers and the said they I need to deposit cash or check instead of wire or Ach. 
The problem didnt get fixed so I opt out for overdraft protection in XXXX and I have been charged more than {$700.00} for just unreal causes that they need cash deposited instead of Ach or wire transfers which for me as a client doesnt make a sens since I m a small business and most of the funds are either transfers or Ach wire transfers not cash. 
This time they been charging me overdraft fees even they didnt pay anything at all. Just to present a payment and reverse it back they charged me 6 times unreasonable fees. This is called a robbery in a legal way, I called them and a lady told me they cant do anything about it because they give me back 5 times overdraft fees this year!!!! 
I need my money that I earned hard, and for me this a high way robbery in a legal way or what??? All Im asking here is a justice and explanation how you charge me a fees for something you didnt pay
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2022-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (OR)

I canceled my two cards I have with Genesis fs card services XXXX XXXX XXXX XXXX. OR XXXX In XX/XX/2022 because of the high payments and after trying to get a lower payment I decided I cancel my cards and I was told I would not get charged any interest or fees but that was a lie I made a half a payment in XXXX and they said as long as I made my full XXXX dollar payment in XXXX I would be all up to date that was a lie too
Consumer complaint received 2021-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: State Home Mortgage (GA)

Am behind on my mortage but my ex wife was on the mortage we got a divorce i got the house she didn't want it but sold her na, e on loam for XXXX that's after i paid over 20 years i almost got paid off i need financial help please i'm behind my payments
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: DISCOVER BANK (CT)

I had an issue with fraud on my account that took months to deal with and was finally resolved with cfpb, but there is still one more issue. My card kept having late fees and a late balance, but I was not paying them and was told not to since the whole balance on my card was fraud. One agent did not even report the fraud, which is why these late fees were still appearing. Discover claims they notified me that the account was closing, but I never received any documentation due to my mail being compromised. All I would like is for my account to be reopened and sent a new card. I would be willing to open a XXXX XXXXXXXX or have the card sent with some type of signature mailing so I am sure the card will get delivered. I have an excellent payment history with this account and have been using it appropriately before the fraud appeared. I should not be held liable for someone elses actions, so I would like my account reopened with the same credit limit. There is no reason for this due to the whole issue being fraud and Discover failed to provide me with information regarding my account and providing terrible customer service. Also, I was nagged repeatedly to pay a minimum payment of {$35.00} on the account or else my card would be charged off and the agent promised me my account would remain open if I paid this payment and I would be refunded once the investigation was complete. The investigation is now complete and I am not liable for any charges, but my account is closed and I was never refunded the {$35.00}. I dont want to have my credit affected for something that was not my fault and I truly enjoyed being a Discover customer and I loved my card.
Consumer complaint received 2021-04-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

I was a co signer on a XXXX car loan. The credit agency shows the account listed twice on my credit report instead of once. Then, it shows I was 60 days past due and theres no data for any payments I made from XXXX until XXXX & XXXX. I was not 60 days late and I paid the entire loan off. I would like the information to be updated to show my payments made correctly every month for XXXX and for the account to be listed once not twice and to be shown as the loan is paid off. The reported no data and missed payments and days behind is all listed wrong under XXXX XXXX and XXXX XXXX. ( The other person on the loan ) please correct this info so I can purchase a home. 21 late payments & 60 days past due is also incorrect.
Consumer complaint received 2021-12-28
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. (TX)

Experian choose to disregard true information by not deleting a bankruptcy off of my report. I have proof that Experian is not doing their due diligence to rectify their fraudulent activity.