davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-28
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: Experian Information Solutions Inc. (TX)

Attached is a credit report as of XX/XX/XXXX. Experian claims that XXXX XXXX account is no longer affecting my credit score and this is not the truth. On XX/XX/XXXX there was a negative hit on my account on XXXX  XXXX  after no activity on this account for over 7 years. This account should have been removed and no longer aloud to affect my credit. This account went delinquent in XX/XX/XXXX and was charged off in early XXXX which can be viewed on the credit report attached. After over 7 years of no activity the same account can be seen charged off again in XX/XX/XXXX after no activity for years. This did not make any sense and has still not been explained by Experian. This update and negative charge off in XX/XX/XXXX affected my score and experian is reporting that I have had a late payment on this closed account in the last year. If an account has been closed for years how can I have made a late payment in XX/XX/XXXX? I have not made any late payments in over 7 years, but experian is reporting my credit file with late payments in XX/XX/XXXX. This has not been explained to me and this has affected me greatly during this pandemic.
Consumer complaint received 2020-10-28
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: Experian Information Solutions Inc. (MO)

As already documented my identity has been compromised and the aftermath has left my credit files with unauthorized accounts as well as the inquiries that I'm respectfully demanding be removed due to the fact they are unknown and unauthorized by me. Please remove the following inquiries immediately. 

1. XXXX XXXX XXXX ) 2. XXXX XXXX XXXX XXXX XXXX ) 3. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX XXXX XXXX ( XXXX ) 7. XXXX XXXX XXXX  ( XXXX ) 8. XXXX  XXXX XXXX  ( XXXX )
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED COMMUNITY BANK (FL)

On XX/XX/XXXX I obtained a construction-to-permanent loan from United Community Bank. It was discovered after closing that an error was made on the part of XXXX XXXX, the loan originator, whereby the loan amount shorted by {$10000.00}. It happened, I suspect, when she referenced an out-of-date contract prior to closing. This was despite having the correct document in hand, supported and evidenced by multiple emails. 

I brought the error to XXXX attention on XX/XX/XXXX and later had to reach out to XXXX XXXX, UCBI 's Regional Mortgage Sales Leader, ( after being shut out by XXXX denying any mistake ) to see how the deficiency could be remedied. The three of us convened a call on XX/XX/XXXX to discuss what happened. And by XX/XX/XXXX, I was assured by XXXX a clear path had been found to move forward. 

I completed construction on XX/XX/XXXX and provided all requested documentation to UCBI at that time. It is now XX/XX/XXXX and I'm being forced into a second extension at higher interest rate with no clear end in sight. I've consistently provided all requested information in a timely manner, but the bank can not or refuses to give me any sort of update regarding the loan 's status. They have left me paying interest only at 4.5 % when the loan should have already been converted to permanent financing at 3.125 %.
Consumer complaint received 2020-10-28
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: EQUIFAX, INC. (MO)

As already documented my identity has been compromised and the aftermath has left my credit files with unauthorized accounts as well as the inquiries that I'm respectfully demanding be removed due to the fact they are unknown and unauthorized by me. Please remove the following inquiries immediately. 

1. XXXX XXXX XXXX ) 2. XXXX XXXX XXXX XXXX XXXX ) 3. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX  XXXX/ XXXX  ( XXXX ) 7. XXXX XXXX  XXXX  ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2020-10-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (VA)

Hello, I am sending this email to include that the XXXX account XXXX  has impersonated a United States XXXX and has robbed me of XXXX dollars and has done so to many others through XXXX and claims her victims money through XXXX  with her username XXXX XXXXXXXX. This person must be apprehended to ensure no one else false for her scam of being a navy federal representative or being well known with them or any other bank. As such, I will include her XXXX url XXXX XXXX XXXX XXXXXXXX for better assistance. Thank you very much. 

As well as XXXX XXXX XXXX stole XXXX dollars from me with phone number XXXX and email XXXX Navy federal credit union didn't help me get none of this money back after I got hacked through the XXXX  app and or tell me there is nothing to be done.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX - Opened XX/XX/XXXX - Amount {$490.00} XXXX  XXXX/ XXXX XXXX XXXX Opened XX/XX/XXXX - Amount {$150.00} XXXX  XXXX XXXX  - Opened XX/XX/XXXX XXXX XXXX XXXX  - XXXX XX/XX/XXXX - Amount {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - Amount {$840.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Opened XX/XX/XXXX - Amount {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX - Opened XX/XX/XXXX - Amount {$490.00} XXXX  XXXX/ XXXX XXXX XXXX Opened XX/XX/XXXX - Amount {$150.00} XXXX  XXXX XXXX  - Opened XX/XX/XXXX XXXX  XXXX/ XXXX - XXXX XX/XX/XXXX - Amount {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - Amount {$840.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - Opened XX/XX/XXXX - Amount {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

To whom it may concern, My name is XXXX XXXX, I am writing to you because I have an issue with my private student loan company ( which is with XXXX XXXXXXXX  XXXX XXXX XXXX of XXXX XXXX I was speaking to a mortgage loan lender and she recommended that I contact this bureau or an attorney. Here is my situation- I have been in contact with XXXX XXXX XXXX XXXX since my loan is with XXXX XXXX XXXX XXXXXXXX XXXX XXXX I currently pay on this loan weekly. I have been told by the loan officer at XXXX XXXX that there is nothing that they can due as this loan is in a charge off state. It is not being reported that it is being paid on my reports. I have contacted the credit reporting agency and all I get back with them is that it is a correct debt. This is correct I did take out the loan several years ago. My payments are not being reported and it is still in a charge off state. I believe that the bank should be able to remove this from a charge off state or at least report that I am paying on my loan. 
Thank you for your time. 

Below is an email from the loan officer at XXXX XXXX XXXX XXXX. 
Hi XXXX, I am in class for the next two days, so unable to return your call. I got your message. Unfortunately, there is nothing that we can do to remove that negative debt from your credit report, When we talked before, I had explained that you would need to possibly find someplace that would be willing to refinance the student loan into a new one for you. We cant offer that because this loan is charged off from the XXXX XXXX that we work with. They wouldnt be willing to refinance it. 

I am more than willing to write something up stating that you have been paying on this debt weekly for a long period of time if the company you find needs verification that it is being paid. But, that is about all I can do for you.
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (DC)

XX/XX/20 To whom it may concern : I am behind on mortgage payments. The mortgage company has blocked my online access to my account. I am trying to file taxes, and can't access relevant tax documents. 
I've written and called the company at least eight times in the last week without a response.
Consumer complaint received 2020-11-12
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. (MI)

My account is open, yet you report it as closed. You have stated, falsely, that it is XXXX XXXX, and Experian, who are to blame. You've told me that they only update my information every XXXX, XXXX, or XXXX days, which is a lie. They've contacted you with disputes, which you responded to, with fraudulent information. You lied and said, yes, the account is closed.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NH)

Please refer to closed complaint XXXX I wrote the three credit bureaus the same date and only one has remedied the error on my credit report - XXXX  - likely because I filed a cfpb complaint against them. I expected the other two to follow suit but they have not. The other two are taking too long and this is adversely affecting my credit/score and ability to obtain credit. I am told by my local bank, with whom I am attempting a mortgage refi, that the scores with Experian and XXXX  are good, but both still have a delinquency flag notation. I want that fixed!
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Back on XX/XX/XXXX I mailed disputes to the credit bureaus, but I never received a response. It has been nearly two months now, and still nothing. I feel like I'm being ignored, please advise.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

I hired LexingtonLaw to fix my credit issues after I seen no progress I canceled the service in XX/XX/XXXX but the the charged me so I request a refund which the said the would refund me {$100.00} they didnt I kept on calling texting till the finally agreed to refund me the {$100.00} around XX/XX/XXXX I have the text to prove it so I went and check my account for the {$100.00} and the still made an unauthorized withdrawal from checking account after I had canceled there service XX/XX/XXXX. The. The refunded me for withdrawal from XX/XX/XXXX and didnt refund me for the illegal withdrawal they made on XX/XX/XXXX 2 month after I canceled the account with LexingtonLaw.
Consumer complaint received 2020-08-26
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: LEXISNEXIS (IL)

I FAXED LEXIS NEXIS ON XXXX WITH A POLICE REPORT AND FTC THEFT REPORT.AND TRIED TO WARN THEM IN MY DISPUTE LETTERS 3 MONTHS AGO THAT THEY MUST HAVE A MIX FILE WITH MY NAME.I ALSO SENT THEM MY SS & ID WITH MY LEGAL NAME ON BOTH
Consumer complaint received 2020-08-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I purchased an item with PayPal from an individual face to face, after the transaction the individual didnt want to wait 4 days for the amount to be available, so I paid the individual the {$750.00} cash and tried to cancel the transaction, paypal asked if it was unauthorized and instead of canceling it, and I clicked yes, tried to fix it for 4 days, the money is out of my account and no way to get it back, even the other individual has being helpful trying to fix something with them, PayPal resolution center just told me since I issued the payment, they cant back me up or help me at all, so Im out of {$750.00} ... that is what they think, I really dont know what to do next.I am XXXX XXXX  XXXX thanks
Consumer complaint received 2020-08-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (DE)

On XX/XX/XXXX, I had this XXXX  XXXX  in the XXXX XXXX of my XXXX XXXX and I was rushed to the XXXX  of XXXX XXXX XXXX Hospital in XXXX Delaware, I was seen by a female doctor, she asked me if I had Insurance and I said no, she requested an XXXX and she diagnosed XXXX, she wrote a prescription to take to the pharmacy, I was not able to treat the XXXX until I got a job with XXXX XXXX XXXX XX/XX/XXXX, I received a Medical bill of XXXX dollars and change and I started making prompt payments, through an arrangement that reduces the amount to {$790.00}, to my surprised, I called to make a payment and I spoke with this female representative who told me that she could not find any bill in my name or address at the time because of that she could not receive the payment, since then I have not received any corresponding letter from the doctor 's office or XXXX XXXX Hospital . My Credit was flagged on XX/XX/XXXX, via XXXX by TRANSWORLD SYS INC/XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, PA, XXXX, I immediately called the above collector, spoke with a female customer service agent, who was very intelligent and accomodating also put in a Dispute on my behalf to the XXXX XXXX XXXX Hospital. I have worked over the months to bring my credit score to a Good score and this scenario have drastically reduced my score, I'm kindly requesting CFPB immediate intervention to help restore my Good Credit Score, thanks,
Consumer complaint received 2020-08-25
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. (NY)

Seven years ago, I had a single, protracted, but continuous delinquency event with a XXXX XXXX XXXXXXXX mortgage that was opened in XX/XX/XXXX. The delinquency began in XX/XX/XXXX and ended in XX/XX/XXXX. That account was subsequently closed and transferred to another lender in XXXX. 
Over the last 7 years, this delinquency has been reported as described above on all three credit reporting agency files, however, 4-5 months ago XXXX XXXX chose to remove the account status reporting for this account only, for the period XXXX through XXXX of XXXX. This makes it appear that this delinquency commenced in XX/XX/XXXX, and thus eligible for removal in XX/XX/XXXX. Equifax has subsequently taken the same action 2 months ago. 
However, it is clear that this reporting is inaccurate, since their own records show the status of the account in XX/XX/XXXX, was already at the maximum 120 day late status. 
The FCRA rules require that this delinquency be treated as a single continuous event, and thus should be removed from my credit report, seven years after the commencement of the delinquency, which would be XXXX or latest XX/XX/XXXX. It should therefore have been removed from the report in XXXX or XX/XX/XXXX. 
I have repeatedly contacted both credit reporting agencies as well as XXXX XXXX XXXXXXXX on this error, but have been unsuccessful in getting them to correct it. 

XXXX XXXX XXXXXXXX claims that they are accurately reporting the account status, while XXXX XXXX is stating that XX/XX/XXXX is the first notification of delinquency that they received on the account from the lender. Yet earlier versions of the credit report clearly show the delinquency being reported in XXXX through XXXX of XXXX.
Consumer complaint received 2020-10-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Nudge Funding, LLC (TX)

The originator for my re-finance is taking an extraordinary amount of time to complete the process. It is now at 104 days after having submitted my paper work to initiate the refinance and the originator has missed several planned re-finance completion deadlines that they have scheduled.
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: EQUIFAX, INC. (CA)

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 XXXX 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 2020-08-24
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. (MI)

XXXX XXXX XXXX is appearing on my credit report even though they are past the statute of limitations. I hired a credit repair organization called XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX has already disputed this item which is past the statute of limitations, and the 3 bureaus are still incorrectly reporting this loan. Equifax shows the account is in collections. XXXX and XXXX  are both showing 120+ days late. The bureaus are also unwilling to remove this item. The last date i challenged this item is on XX/XX/XXXX. 

The date XXXX XXXX opened is XXXX of XXXX. The drop off date is XX/XX/XXXX. The account number is XXXX. The balance is {$9300.00}. Please help!
Consumer complaint received 2020-08-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (TN)

Caine & XXXX continue to send an account with my name on it to collections affecting my credit score and the amount I owe keeps changing the most recent was {$660.00} and but just a couple months ago it's was {$230.00} which makes no sense and they have yet to contact me in any form at all and I believe this a very unprofessional way to conduct business.
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: EQUIFAX, INC. (SC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (UT)

We have mortgage serviced thru Specialized Loan Services ( SLS ) since XXXX. Original loan from XXXX XXXX. We have never been late or in arrears on this loan. 
I was trying to get a payoff quote. I've called and can not get anyone and even when I do a callback request for within 72 hours it has not happened. I recently set up an account online with SLS at SLS.net on XX/XX/XXXX. I was able to check my loan balance and request a payoff and got it immediately online. I did a communique thru the online messaging. My complaint is that the website is down and continues to be down for many days. Today is XX/XX/XXXX and I have not been able to log in since XX/XX/XXXX. 
SLS asks on their recorded phone info, and with mailed communiques, and all over my bill that you set up and " utilize your online account '' for any questions and information. 
THAT I have done. THEY must have a functioning website. THEY do not. How long can this go on? 
It seems highly irregular.
Consumer complaint received 2020-08-26
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: Bull City Financial Solutions, Inc (NC)

Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : BULL CITY FINANCIAL SOLUTIONS- # # # # # # XXXX, BULL CITY FINANCIAL SOLUTIONS- XXXX # # # # # XXXX, BULL CITY FINANCIAL SOLUTIONS- XXXX XXXX # # # # XXXX, BULL CITY FINANCIAL SOLUTIONS- XXXX XXXX XXXX # # # XXXX, BULL CITY FINANCIAL SOLUTIONS- XXXX XXXX XXXX XXXX # # XXXX, XXXX XXXXXXXX XXXX # # # XXXX XXXX # XXXX, XXXX XXXX # # # # XXXX # XXXX, XXXX XXXX XXXX XXXX # # # XXXX XXXX XXXX XXXX.