davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am Submitting in Writing All My Proper IDENTIFICATION ... .INCLUDING MAIL RECEIVED AT MY ADDRESS. MY CERTIFIED MAIL SENT INTO All XXXX CREDIT BUREAU 'S and the C.F.P.B. In XX/XX/XXXX which I still have the Hard Copies of the Packets with Each Receipt and Verified Signed for by Whom Sent to ALL PARTIES. I had All the Proper Identification etc. needed but I have HAD NO RESPONSE TO ANY Of This Or Any FOLLOW UP. Submitting Again in XX/XX/XXXX all Correspondence needed for My Complaints Filed XX/XX/XXXX & XX/XX/XXXX Including the Proper Identification Needed to Take this SERIOUS..!!! 
Here are the Four COMPLAINT FILE # 's Case Number:XXXX ... ... ... ... ... ... ... .... Case Number:XXXX ... ... .... Case Number:XXXX ... ... ... ... ... ... ... ... 
.... Case Number:XXXX I am Not Allowing this to BE IGNORED AGAIN ... .after 1 1/2 YEAR DILIGENTLY Addressing and to Consume All My Time of Nine Months ... .Enough is Enough. 
I have More than SUBSTANTIATED DOCUMENTS to PROVE INCORRECT REPORTING AS WELL AS FALSIFIED DOCUMENTS of Reporting on MY CREDIT BUREAU FILE. 
If this is Not CORRECTED within the next 2-3 WEEKS, I Have been through so Many 30 DAY INTERVAL of Awaiting Responses for NO CORRECTIONS Being All PROCESSED. 
YOU Leave Me With the Only Other Alternative to Take ALL this to the NATIONAL NEWS PRESS Who Has Already Expressed Wanting This Information. I AM NOT GOING TO BE TOLD THAT THE SYSTEM Is COMPUTERIZED IN ASSESSING OUR FICO SCORE. 
It Has to BE Programmed by a Human, so When Our Scores are DELETED Due TO INCORRECT REPORTING or FALSE INFORMATION SUBMITTED BY A CREDITOR OR COLLECTION AGENCY and then Explained about how the System does our Scoring, DEDUCTS but Can not ADD It BACK AFTER YOU Have Proven with SUBSTANTIATED DOCUMENTS Incorrect, I am not BUYING THIS CAN NOT .... ADD MY SCORE BACK That Was WRONGFULLY DEDUCTED. THIS IS NOT ONLY UNJUSTIFIABLE but VERY DEMEANING To Any INDIVIDUAL. I EXPECT TO GET MY SCORE REDONE ( XXXX ) not to Receive Some Lame EXCUSE that it Ca n't BE Done ... Then YOU Need to GET THIS PROBLEM CORRECTED TO ADD BACK The SCORES WRONGFULLY DEDUCTED. 
I know I am Speaking and Supporting Other Consumers who have been Unjustifiable Treated the Same Way.
Consumer complaint received 2017-03-31
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Northwood Asset Management Group (OH)

The number XXXX and XXXX has called me for weeks after I have asked them not to. They are calling about my brother who has never used my number or name as a cosigner on any loans. They threat to serve him. I 've XXXX the numbers and people seem to say it 's a scam. I confront them about being a scam and taking my number off their list and they get highly defensive and typically hang up on me. I keep answering because I want to get some answers and keep stating to take my number off of their call list.
Consumer complaint received 2017-04-01
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I have has an account with Navy FCU for over 20 years. I have never missed a single credit card payment and often pay hundreds if not thousands over the minimum payment. This month an automatic payment was made, at the time it actually coverd the 2 % of the balance as a minimum payment. However, NavyFCU, as you know from last year 's lawsuit, uses many illegal ways to make more money. They rebalanced the account prior to the payment posting and the payment was XXXX short. Instead of any notice, Navy FCU froze the account for only XXXX and 5 days past due ( only XXXX due ). They provided no notice, nothing, even after I have NEVER missed a payment. When I called the " Manager '' hung up on me and was extremely rude. Additionally, even after a payment, the refused to unlock the account. They claim the system is automatic and Navy FCU has no control over anything. As you know they have EXTREMELY aggressive systems in place to lock down accounts and do nothing to resolve it. I would ask that you investigate them again.
Consumer complaint received 2017-04-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

I opened HSBC choice checking account during XX/XX/XXXX via promotion code which says that I will get {$350.00} if I : " Receive at least one qualifying direct deposit per month into your new HSBC checking account for three consecutive months within 120 calendar days of account opening. A minimum cumulative amount of {$3000.00} is required. '' On XX/XX/XXXX - I was told via the secure message center email that I have fulfilled all the conditions and within 8 weeks I will be getting {$350.00} cash bonus. I am maintaining required {$1500.00} balance also so I am very much eligible for this {$350.00} bonus. During end of XX/XX/XXXX - I reached out to them once again in terms of when i am getting {$350.00}. I got a response on XX/XX/XXXX that I wo n't be getting {$350.00}. So they are contradicting their own statements. HSBC has troubled me at the time of opening this account also and I need to reach out to CFPB regarding that. Once again they are trying to deprive my well earned cash bonus.
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XX/XX/XXXX I requested trans union to correct the following account-XXXX-account number-XXXX, status and remove the incorrect remarks, the correct status-paid/closed, the remarks was totally wrong, no other company paid for this account, I paid it in full XX/XX/XXXX.when it was charged off.my XXXX form showed that.the reply back XX/XX/XXXX file number XXXX has the same information on it.All I want is a correct credit report, from this credit reporting company
Consumer complaint received 2017-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (FL)

PHH Mortgage Services is my mortgage and I received a letter for " Foreclosure Intention ''. I called them as soon as I received the letter stating I was two months behind in payment. I called and spoke with the mortgage representative on XX/XX/XXXX @ XXXX. They would not speak to me since I was in bankruptcy. I went into bankruptcy 4 years ago since I used my personal credit cards to pay for materials and bills since he is self employed. I thought XXXX of the companies that we XXXX for were not going to leave the state and all the unpaid invoices which they did. I learned to keep personal and business separate in a very costly fee. I called the number that they told me to call the next day. They told me they would not talk to me and I had to contact my bankruptcy attorney. I called and spoke to my attorneys assistant and emailed her copies of checks that were cleared front and back since XX/XX/XXXX. She was confused and left two messages with them and they finally called her back stating they can not talk to her since I have a prior attorney?? We both did not understand that. She told me that they would open the lines for anyone to talk to me regarding the delinquent amount. I called and spoke to one rep who told me that I was not receiving monthly statements, but could not talk to me and transferred me to another rep. They told me after leaving me on hold for a lengthy time and speaking with another rep to figure it out. XXXX stated that is started XX/XX/XXXX with the Escrow Analysis that they did. He then told me that I was finally making the correct payment in XXXX XXXX after they did another Escrow Analysis. I still did not receive any phone calls, notices or emails regarding the back balance. They sent me a check in the amount of {$1000.00} that was in a suspense account. I asked what they did with my payments and he stated they went towards the payment due and the shortage was sent to a suspense account. They could not keep the account anymore and sent the check to me. We did change insurance agency in XX/XX/XXXX. I did get a check in the amount of {$740.00} that my previous agency XXXX as a refund. I asked XXXX our new agency and she told me to send it to PHH Mortgage. I called on XX/XX/XXXX at PHH Mortgage and spoke with XXXX and she told me to cash it and send it to the address she gave me and attention Escrow. Which I did. The loan is still under my maiden name, even though, I called them and they changed it on my coupon books that I was receiving at that time. Then I just send a letter each time with my check to have it submitted for my monthly payment. I now continue getting letters each day from PHH Mortgage regarding this issue which does not help with the stress with myself and husband. XXXX advise me to go to XXXX and it will show me info. He faxed me the XX/XX/XXXX Escrow statement since I would not be able to look at it on line. I just do not know how it came to exactly 2 months of payments delinquent?
Consumer complaint received 2018-06-24
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. (LA)

XXXX XXXX XXXX and XXXX XXXX Accounts have been removed from both XXXX and XXXX  through disputes where all three agencies recieved identical information. After the first dispute XXXX waived the account balance which Equifax complied with yet they have erroneously re-instated the balance on their own accord. And have yet to remove XXXX XXXX or XXXXXXXX XXXX   account or I will be forced to take legal action against them for violating the FCRA.
Consumer complaint received 2017-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (FL)

I refinanced an existing mortgage with my original lender, Stearns Lending on XX/XX/XXXX. The original mortage had an escrow insurance requirement ; however, the refinanced mortgage did not. As expected, I made principal and interest payments payments for the remainder of XX/XX/XXXX on my refinanced mortgage. Beginning on XX/XX/XXXX Stearns Lending began requiring escrow insurance on my monthly statements even though I already prepaid my homeownwers insurance for XX/XX/XXXX. After months of phone calls ( 12 calls ) to Stearns Lending to correct their mistake they finally acknowledged their oversight yet they still have not corrected their monthly statements.
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (CA)

My servicer, ACS Education, purports to provide forms on their website that borrowers can use to request in school deferments. However, when I attempt to complete the information necessary to print out a form to request a deferment, the ACS website displays an error message stating " Please enter Valid Account Number. '' ( The form includes a field that says " account number. '' However, this field is pre-populated and can not be edited by the user. ) The same error message appears when the user clicks on the button to download a blank form. The " Deferment Assistant '' on the ACS website does n't provide any other information about how to request an in school deferment for federal loans serviced by ACS. It seems quite possible to me that this website design is intended to discourage borrowers from seeking deferments for their loans.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a tax lien reporting on my Transunion credit file due to having unpaid taxes i had to pay to the state of Georgia. Around XX/XX/XXXX, I had received a letter from the state of Georgia saying that I owed at that time, {$810.00} to the state due to taxes that I filed back in XX/XX/XXXX. After receiving this notice, I immediately contacted Georgia Department of Revenue to get this taken care of which I did. I made payments over a period of about 10 months which totaled {$810.00}. I made these payments hoping nothing bad would come out of this and everything would be ok after its paid off. Well, I went to go try to finance a car and the dealer immediately turned me away due to having a tax lien on my credit report. At that time, I did not know what a tax lien was or how it even got on my credit file until I found out that it came from not paying my state taxes. As soon as I found out where it came from, I took aggressive action in trying to remove this from my credit file by disputing this with Transunion. Even with paperwork that i have showing that it was released in XX/XX/XXXX, they refuse to remove this and tell me that it is reporting accurately and will remain on my credit file. I just dont understand why after something I have paid in full, and something that does n't even pertain to them, why they just do n't remove it after years of it being on my credit file and being paid. Its not hurting Transunion! It 's hurting ME! Its literally keeping me from obtaining credit at many places. I am begging you, PLEASE ... PLEASE help me! I am trying to and wanting a better future for my family and I and this is really hurting it right now. Thank you so much for allowing me to write and submit this letter to you. I hope you will understand and see why I want this removed. Thank you again.
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MO)

XXXX is reporting 2 credit card accounts as " Card Over Limit ''. One of  these is a XXXX XXXX  and the other is a XXXX XXXX XXXX. I have contacted both XXXX and XXXX XXXX  and both of these banks have told me that neither card is " Over Limit ''. Both cards are currently at their limit, but not " Over Limit '' and both banks have told me they are not reporting the cards as " Over Limit ''. My credit score has crashed from XXXX to XXXX in the last 30 days. I have contacted XXXX and they are doing nothing to correct these errors.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (TX)

I have been carefully reviewing my recent credit reports and noticed that some of my personal information is being reported inaccurately. To assist in correcting and updating these errors, I have attached copies of my identification documents for your verification. Please review them and ensure that the necessary changes are made to reflect the correct information on my report. Please make sure that there is only 1 address and 1 name reporting no aliases and such. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-11
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 accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-07
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. (AL)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report.
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (TX)

I am writing to file a formal complaint against XXXX, XXXX, and Equifax regarding their continuous failure to protect my privacy and their alleged failure to maintain reasonable procedures to ensure the highest level of accuracy, as required by the Fair Credit Reporting Act ( FCRA ). Despite numerous attempts to address concerns and rectify inaccuracies in my credit reports, I have encountered ongoing issues with these consumer reporting agencies. The repeated instances of privacy breaches and inaccurate reporting have had a severe impact on my financial well-being, causing undue stress and frustration. Furthermore, their alleged failure to validate their method of verification raises significant concerns about the integrity and reliability of the information they provide. I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action to address the failure of XXXX, XXXX, and Equifax to protect consumer privacy and maintain accurate credit reporting practices.
Consumer complaint received 2023-07-10
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. (PA)

I never Lived at XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX  and I keep telling the credit reporting agencies that yet they continue to say it's been verified but that's impossible because I never lived there I don't know anyone who lives there and they claim they don't have to show us how it was validated so what else can I do? Can I sue them for all this false information they'er reporting because there is absolutely no proof of me living there because I never did. Also all those treasury items should not be listed because first of all there from my employer paying my medical coverage while I was out of work for XXXX and once I returned they released me so I resigned. Now how can they expect me to pay anything when their the ones who also handling my pesion which took them forever because they retaliated against me because I needed time off.
Consumer complaint received 2023-07-10
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-07-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 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 from my credit report it has been over 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.