davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-17
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: Colony Brands, Inc. (IL)

XXXX   XXXX   XXXX   client  XXXX   XXXX  ( formerly  XXXX  ) is an identity theft victim. Someone used her information to apply for a credit card with  XXXX   XXXX   A  dispute of the application was submitted to  XXXX   XXXX   XXXX / XXXX / XXXX  certified mail with return receipt. In  XXXX   XXXX  a review of her credit reports was conducted and the  XXXX   XXXX  inquiry was still listed. Contact was made with  XXXX   XXXX  and we were advised that by  XXXX  the inquiry would be removed. A check of the credit report was done again in  XXXX   XXXX  and the  XXXX   XXXX  inquiry was still listed with  XXXX   XXXX . A formal dispute was sent electronically to  XXXX   XXXX   XXXX / XXXX / XXXX  ; as of  XXXX / XXXX / XXXX   XXXX   XXXX  confirmed  XXXX   XXXX  is reporting the inquiry as valid. At this point there are now several violations of the FCRA from Both  XXXX   XXXX  and  XXXX   XXXX .
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: National Credit Systems,Inc. (FL)

I have reported the unapproved duplicate hard inquiries and paid-off duplicate collections to the credit reporting agency. They tell me I need to contact the creditors directly with my dispute. I have contacted the creditors via letter and call with no response to these unapproved duplicate hard inquiries and collection they are reporting to the credit agencies. They are the following : DUPLICATE HARD INQUIRIES :     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

this is agains t CitiMortgage. this is  from a year ago when they reported us late on mortgage. I did tell them that tenant defaulted in  XXXX   2016.  they know its a rental home. regardless they reported me late for months and even did an inspection when I told them what I did. and there was no reason to do an inspection other than try to charge a fee. I feel strongly they can correct the info given the circumstances or put something in there so it does not damage my credit. I currently have a lawsuit against the tenant for damages. please note I know they will sa y Fair credit reporting gives them this avenue. I would like it amended.i am a long te rm customer. please consider. I warned you before hand. please. no scripts. just help in some way. PLEASE no red tape
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WY)

I had a loan with XXXXXXXX XXXX XXXX and the vehicle was repossessed because I was XXXX XXXX XXXX XXXX XXXX and the company is reporting inaccurate/inconsistant information to all 3 credit bureaus and negatively affecting me to obtain new credit.the fair credit reporting act states that im entitled to 100percent accuracy on acounts reporting to my credit file and XXXX XXXX is violating my rights.please investigate and delete this account from my credit report XXXXXXXX XXXX  account # XXXX the balance, date of last payment, payment history, payment amount, term length, account status, credit limit, are all reporting inconsistent information.delete account immediately.
Consumer complaint received 2017-05-17
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. (VA)

State  of   XXXX   XXXX   XXXX   XXXX   file d a tax lien for approximately {$5700.00} against me in  XXXX   XXXX . I submitted documents to    XXXX   XXXX   XXXX   to establish that I was not a c itizen for tax year  XXXX  and as such did not owe any income tax. In  XXXX ,  XXXX , the  Office of Taxpayer Advocacy fo r Alabama intervened on my behalf to have determination that I owed tax rescinded. Thereafter,    XXXX   XXXX   XXXX   XXXX    submitted paperwork to  XXXX  Alabama court to have lien " released ''.     However, the mere act of lien being filed was detrimental to my credit score. A subsequent status of " released '' will linger on my credit report for  seven yea rs. To remedy this problem, I submitted Taxpayer advocacy documentation evidencing this error made  by   XXXX   XXXX   XXXX   t o Equifax,   XXXX   and   XXXX  .   XXXX   and   XXXX   promptly removed any mention of tax lien from my credit reports ( Please see attached  XXXX  investigation report ). As a consequence, my credit scores increased substantially.     Unfortunately, Equifax has chosen not to remove this tax lien from my credit report. I provided Equifax with letter I receiv ed from Taxpayer Advocacy along wit h business card of revenue agent who can verify particulars of case. It appears from the generic form letter I received from Equifax that no substantive effort was made to investigate this matter.     I am requesting CFPB 's assistance to have this erroneous tax lien removed from my credit report.
Consumer complaint received 2017-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (FL)

I disputed this account when I received an alert that it reported to my credit report. After some reset I learned that it was an alleged debt from  XXXX   XXXX . I requested validation of this debt. I have not had cable in well over 10 years with  XXXX . I need the original billing so I can take to necessary steps to file a police report for identity theft. It has been well past the 30 days and I have yet to receive any kind of documentation this is a valid debt for me.
Consumer complaint received 2016-12-06
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Recovery Solutions (TX)

They continue to call my work and leaving messages, they are calling family members and harassing they claim I put my work number and reference I do not have done any and the representative was very rude and was yelling at me over the phone and told she will continue to call.
Consumer complaint received 2017-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ASTORIA BANK (NJ)

XXXX   XXXX   XXXX , We have had a mortgage with Astoria Bank since  XXXX . It is on a condo in  XXXX  FL. The community is located in a flood zone. For the pa st 7-8 years ( maybe more ) our association has provided a fax to confirm the flood insurance is in place. During this time Astoria continuously discards the policy ( some black hole ) and then proceeds to harass for weeks on end about obtain ing proof of insurance. My wife and I take it upon ourselves, each year, to fa x ( to a generic fax )  the policy over. This too becomes lost at times and they wont provide email addresses for us to scan so we can confirm receipt. Sometimes this process takes weeks and then we receive a " forced '' flood policy of {$1900.00} and they then want an increased payment. I spoke today to  XXXX   ( today ) regarding the increased payment and she wanted to scurrying me along to the insurance department, which is wrong so I asked for a manager.   XXXX   XXXX , claims to be a supervisor, told me I should have just asked for an escrow analysis, my response was " that was  XXXX  's job ''. In closing this is an ongoing and chronic situation where a mortgage bank is failing to provide the necessary service and bullying their clients.
Consumer complaint received 2017-05-17
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: NAVY FEDERAL CREDIT UNION (CA)

NAVY FEDERAL CREDIT UNION continues to report inaccurate information on my credit report. I faxed them the information several times to have items corrected and have done nothing. I currently have  XXXX  accounts reporting without an account number.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

HI, I had an incorrect collection placed under my name from   XXXX   XXXX   XXXX   in  XXXX , Colorado. The collection was placed  XXXX   XXXX  and I moved out of the complex in  XXXX    XXXX  . I spoke with the apartment manager and it was an issue on their end. He reached out to  XXXX   XXXX  ( collection agency ) and had them remove it.   XXXX    removed the incorrect collection about a week later.     I am having issues with equifax not removing the mark. I have calle  d three times and they were not able to help. The last representative advised the remark was removed and sent me a " revised '' full credit report that would reflect the update. Of course, the mark was still there when I received the new report. Their website is useless and shows " completed '' under the dispute number, but neither advises " verified '' or " denied '' as shown in the directions. I emailed 4 tI especially after that. The response I received was please call us because we are experiencing high email volume. I tried to escalate to a Manger and received no response after that other than a survey. I tried to take the survey by the way and the link did n't even work. Worst customer service I 've ever seen.
My thought is if  XXXX  already dismissed the collection then equifax would report the same. Please help me make my credit report cor  rect because I am having no luck with equifax. I can provide the dispute number.     Thank you,  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX
Consumer complaint received 2017-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Partners Financial Services Inc (CA)

PARTNERS FINANCIAL SERVICES INC STARTED CONTACTING ME OUT OF NO WHERE SAYING I OWED   XXXX   XXXX   XXXX    {$1900.00} NEVER TELLING ME WHAT THIS WA S ABOUT.THEY  HAVE BEEN CALLING AND SENDING LETTERS SINCE  XXXX   2016  ON ACCOUNT NUMBER  XXXX  .FROM MY UNDERSTANDING THERE 'S A BOL MISSING THAT WAS SENT TO THE BROKER ON TIME, THAT THEY HAVENT TIRED TO GET A COPY FROM, KNOW ONE HAS EVER CALLED ME ASKING FOR IT TO SEE IF I HAD A COPY .THEY JUST STARTED HARSING AND REPORTING FALSE AND INACCUARTE INFO TO CREDIT REPORT.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Technologies, Inc. (GA)

On  XXXX   XXXX ,    2016, Credit Technologies Inc placed  a hard inquiry on my  XXXX ,  XXXX , and   XXXX    credit  reports. I advised them that they did not have my written authorization to do so and I requested for them to remove it and it is still on my credit report.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In either   XX/XX/XXXX   or   XX/XX/XXXX  I  applied for a credit card with  XXXX    XXXX  Account   #  XXXX . I then had a medical issue and went to the hospital followed by an extended stay for  XXXX . In   XX/XX/XXXX   I was made aware by  XXXX   XXXX  that my account was past due {$130.00}. These charges were for a {$75.00} annual fee followed by late fees. I told the representative that I was in the hospital and  # 1 NEVER RECEIVED THE CARD AND # 2 NEVER A CTIVATED THE CARD. When I questioned the representative as to how they could charge me without ever activating the card the representative agreed that this was a mistake and apologized and told me not to worry about any charges, that my account with the company would be closed and balance brought to {$0.00}. Although   XXXX   XXXX   updated the balance to {$0.00} on my credit reports they are still reporting a 30 day late payment on my credit for   XX/XX/XXXX  . I tried calling them again and even contacting the  XXXX  credit bureaus  (    XXXX   XXXX   and    TransUnion   )  but, the late payment is still there! How can this company report a 30 day late payment for a card I never received and NEVER ACTIVATED and ruin my credit!!! I 'm trying to buy a house and they are causing me undue harm. I 'm going to have to extend my lease instead of buy a house all because of this companies fraudulent activity and scam of trying to get money from me without me ever activating the card. Please help me get them to remove this late payment of my credit report. This company is a SCAM and the reason I 'm not in my own house right now!
Consumer complaint received 2017-03-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Campus Student Funding, LLC (FL)

I received a private student loan from XXXX, under false pretenses as a former student at XXXX University. I have written to CFPB about this issue several times already. However, I was informed by both the U.S. Department of Education 's Ombudsman, as well as the Florida State Attorney General 's Office to contact you again, due to the latest update on Private student loan forgiveness through the XXXX. I was recently contacted by the U.S. Department of Education that my Borrower 's Defense Claim for my Federal student loans has been approved, and that my Federal Direct Student loans will be forgiven. I now ask the CFPB to assist me with getting my private student loans forgiven with XXXX or Campus Student Funding ( CSF ), formerly XXXX. I will also like to be reimbursed for all out of pocket payments I have been making towards my private student loans to date.
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (CA)

I was a victim of predatory lending by American Financial Network XXXX XXXX XXXX XXXX. He baited me with a low interest rate before and after my loan process with a 3.625 % mortgage finance rate. This was on a 30 year conventional fixed loan with 5 % down. He ran my credit and I had a XXXX credit score which is the highest bracket I could be in. I applied for the mortgage loan with AFN on XXXX/XXXX/XXXX and on the closing disclosure estimate it stated 3.625 % rate. However when asked if it was locked he XXXX XXXX XXXX XXXX stated I had to sign the loan application and disclosure estimate. He also replied in a separate email on XXXX/XXXX/XXXX that it was indeed " locked 3.625 % with our # XXXX top investor. '' I have proof of that email as well as documentation of the underwriter also approving me at the 3.625 % fixed rate and credit score. So XXXX strung me along the whole mortgage process until XXXX/XXXX/XXXX ( after expected close date ) when he revealed that his investor backed out of the promised 3.625 % rate and that I would have to accept a 5 % rate! He stated to me and my agent that he purposely avoided telling us sooner since he was 'nauseated ' at the news. He waited until after the election to tell me and by then rates had skyrocketed to 4 % and above. He eventually told me 4.5 % is the best rate he could get for me! Since I had no other recourse I had to accept. The rates did indeed go up everywhere and I was at major risk of losing the home. So he had me cornered. I was offered a free refinance certificate in case the rates dip well below 4 %. I want justice for the bait and switch scam AFN is running. The fraudulent scam that XXXX pulled on me will cost me about {$86000.00} over course of loan and $ XXXXmonth extra ( $ XXXX ). Please refinance me at the " locked '' rate of 3.625 %. Thank you.
Consumer complaint received 2017-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (CA)

Discover fail ed to pay me {$300.00} for my credit card account  XXXX   XXXX   XXXX   XXXX .     I spent {$3000.00} in purchases at  XXXX   XXXX   XXXX  using   XXXX   XXXX   in    XXXX   XXXX     ( s hown i n SCREENSHOT 1 ). Under  the terms of promotion,  Discover was   supposed to give me 10 %, which would be doubled at the end of the year to 20 %. The " double cashback '' promotion was  one I was  enrolled in from   XXXX   XXXX   to   XXXX   XXXX    ( the fin al amount deposited is shown in SCREENSH OT 2, provi ng I was enrolled ).     On   XXXX   XXXX   XXXX  ,  Discover finally awarded th e cashback ( shown in SCREENSHOT  3 ). However, the amount was only {$300.00} ( shown in SCREENSHOT 4 ), which is 10 % rather than 20 %. I am the refore owed an additonal {$300.00}.     I contacted  Discover customer  service, where a supervisor named  XXXX  in their  XXXX  office opened an investigation for me. However, at the end of their internal review, they refused to award me the additional cashback owed with no further explanation, and refused to provide an email detailing how the cashback was calculated.     I am owed an additional {$300.00} from  Discover from  their   XXXX   XXXX   and  Discover Match pro motions, and ask for immediate cash relief.
Consumer complaint received 2017-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

When I began to refinance for my house last year, I was told that after the refinance was done that I could have my insurance and property taxes impounded monthly in an escrow account WITHIN A MONTH AFTER THE CLOSING OF THE REINANCE. After almost 6 months, I 'm getting the run around by the insurance company, which just asks for more time, and no results have been forthcoming. We paid for the taxes and insurance, but there does not seem to be any good faith effort to get back to us in establishing the impound account for Cashcall account # XXXX.
Consumer complaint received 2017-05-17
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. (UT)

XXXX   XXXX  retaliated on  XX/XX/XXXX  after a complaint had been filed and   XXXX   allowed duplicate and triplicate reporting of debt to be placed again on my credit report. Some or most of the debt is NOT even mine. When I complained about the debtor changing account information from individual to joint they added more reports of debt to my credit history. I will never get out from under this mess unless I file bankruptcy which I should n't have to do since the Hospital wrote the debt off in  XX/XX/XXXX ,  XX/XX/XXXX . The debtor   XXXX   XXXX   is pursuing me out of spite and malice.If I could have afforded to pay the  XXXX  bill I would have, I did n't have insurance or a job when I was hospitalized or my spouse being hospitalized for a Worker 's Comp Claim that  XXXX   XXXX   XXXX   XXXX  should have paid but did not. Please get this creditor to stop harassing me and ruining my life. I ca n't get a job, I ca n't get a loan, I ca n't do anything to help recover from this mess and most of the mess is not even my debt nor did I receive the services.which are exclusive to ONE persons being hospitalized getting care not joint. I did NOT sign as a guarantor on any of the paper work and the Provider is on a federal venue for indigent care. I qualify for care under that status alone.  XXXX  has a duty to prevent unlawful entries, duplicated entries and entries which demonstrate the creditor is abusing their power with repeated entries duplicate account numbers or the same account number being entered over a  XXXX  times with different amounts when the aggregate of that account should have been used once.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

These items appear on my credit report. Theses items were discharged in my bankruptcy years ago. These companies insist on trying to keep their information on my report. They are being spiteful.     ALL ITEMS WERE DISCHARGED IN Chapter  XXXX  Bankruptcy : INVESTMENT RETRIEVERS IN ( old car loa n ) IQ DATA INTERNATIONAL IN (  Illegal collection. We had military orders to move but they still sent us to collections and harassed us non-stop, called us liars even though we were stationed  XXXX  miles away )  XXXX   XXXX   XXXX   ( medical bill )  I filed for bankruptcy due to post divorce debt that I could not handle on my own. I did this to restart my financial situation and these collections agency are too vengeful and spiteful to take their garbage off my reports. I do n't care if these do not affect my score, they still show as  XXXX  OPEN collections when they are NOT OPEN and have/show a balance of {$0.00}.     Disputes through the credit agencies have done nothing.
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

On   XX/XX/XXXX  , I send a large principal payment via check to my mortgage service company. I have sent many principal payment checks previously, the checks have been cashed and the account has been credited. This payment would lower my principle balance to less than {$1000.00}. However, the mortgage service company has refused to cash the check, and instead tells me they are send the check back to me because they consider this a loan payoff, and they will only accept a wire, or cashier 's check. My loan has no prepayment penalty. They have left me with in excess of  $ 10 0K  in  a checking account earning no interest for weeks now. But they are charging me interest on this large sum because they refused to accept my payment in direct violation of my loan.   I did not want to go through the time and expense of sending a wire or obtaining a cashier 's check.   The service company is  PennyMac.    I find this to be unethical, and illegal. I am being penalized for prepaying my loan by the loan service company.   How do I recoup my losses, and what should I do?