davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (AK)

We have a VA mortgage that is currently serviced by The Money Source. My husband was laid off from his XXXX a year job on XX/XX/XXXX. We were making payments just fine until about Fall of XX/XX/XXXX when we really started to struggle even though he did get another job right away. It was a job that did not pay nearly as much as the one he lost. Plus the mortgage company adjusted our mortgage payment but did not send us a letter to notify us of the change so come XX/XX/XXXX until about XX/XX/XXXX or XX/XX/XXXX, we paid what we thought was the regular payment. So there was a balance adding up each month without them notifying us at all. Come XX/XX/XXXX, we found out about the extra balance and started struggling to make the payments on the balance due and the higher mortgage payment ( it was adjusted from XXXX to XXXX to make up for a shortage in our escrow account ). We have continued to struggle into Fall XX/XX/XXXX, able to only make one payment ( with often two payments due ) but now we are four payments behind and have not been able to make a full payment since XX/XX/XXXX. XXXX would not give us emergency assistance as we do not qualify ( we make more than 700 a month, but not enough to cover our bills and mortgage ). We were given info about the HAMP program from The Money Source and filled out and turned in their Loss Mitigation AKA Borrower Assistance paperwork. We have communicated often, cooperated fully, and provided everything that they asked for. On numerous occasions now they have sent out letters saying that we did not turn in paperwork either at all or on time ( which we have proof that we did turn in the paperwork and ON TIME ). Last weekend, on XX/XX/XXXX we received a letter saying they denied us for borrower assistance because we did n't turn in the requested paperwork.. which we DID ... and I have the proof to show we did, and BEFORE the deadline.. They called us today to ask us to pay our past due balance of four payments and I told them no and talked to them about the borrower assistance and the supposed mix up that occurred. They were not happy that I have multiple proofs that we turned ALL requested papers ON TIME but said they would re-open our assistance file. In the meantime, " XXXX '' also stated that we still have to make at least one payment before XX/XX/XXXX or they will start foreclosing on us ( even though we were told by " XXXX '' that while in review for assistance, our account is essentially frozen from moving into foreclosure ) He claims its just in case we get denied.. We are very worried they are trying to push us into foreclosure even though we have cooperated fully and expect our financial situation to get better in a few months now. We had issues with them when we were going to be refinanced also.. so we are not surprised but we are scared also and need help to make sure they are not trying to purposely XXXX us out of our house. I have more proof than what is attached also, if needed.
Consumer complaint received 2019-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

This account has popped up on my credit report, to the best of my knowledge i believe i have been a victim of identity thief and i am taking proper actions to correct all issues that i am having. The following account need to be investigated please : XXXX XXXX XXXX  Original creditor : XXXX UNIVERSITY {$3600.00} There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report. Upon research, information, and belief, your bureau is in clear violation of this law. Additionally, 623 of the FCRA requires your bureau to correct and update information in such instances.
Consumer complaint received 2019-12-26
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: National Credit Systems,Inc. (SC)

I have contacted XXXX XXXX XXXX for XXXX XXXX and National Credit Systems for XXXX XXXX. regarding these fraudulent accounts and they have yet to respond or block these accounts from my credit report. These accounts are not mine I have the identity theft report to support this claim. I am also a victim of the XXXX  data breach, and I am handling that situation as well.
Consumer complaint received 2019-12-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (GA)

I switched addresses with XXXX XXXX and had been and continued to have automatic payments withdrawn from my bank account. XXXX  overcharged my new account number but maintained an amount due for old address. XXXX  admitted error and I was told the problem was solved. I began getting calls from Diversified Consultants saying I still owed XXXX. I provided proof and they reported a delinquency to XXXX  and XXXX.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

Experian is reporting the incorrect status of an account. I was in Chapter XXXX Bankruptcy from XX/XX/XXXX to XX/XX/XXXX. I have 3 accounts with XXXX XXXX XXXX that were included in the Bankruptcy the account numbers are XXXX, XXXX and XXXX. Experian is reporting one of these accounts with a recent delinquent payment history even though the account has been closed for over 5 years and was included in the Bankruptcy. Two of the accounts with XXXX XXXX XXXX have the correct payment status of " Debt included in or discharged through Bankruptcy Chapter XXXX. ''
Consumer complaint received 2019-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have continuously reached out to PORTFOLIO RECOV ASSOC. Via online disputes and by certified mail. They refuse to provide appropriate investigation and research results showing debt belongs to me. Amounts disputed I owe {$980.00} ] in [ XX/XX/XXXX ] and [ I owe {$2800.00} ] in [ XX/XX/XXXX ].
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NV)

In XX/XX/XXXX/XX/XX/XXXXI received a statement from CITI and paid off the balance, as far as I was aware the account was paid off at that time. For whatever reason ( which I now believe to be fraud ) CITI continued to take {$100.00} per month for 4 years from a banking debit card. At some point my debit card was compromised at another store and I was later called by CBNA asking why a bill was n't being paid. At that time I was shocked to hear that I owed CITI anything and requested more information and an investigation about why or how I owed any bill. After being told by a CITI representative that there were no purchases made on the account I requested that the monies be returned to me which CITI initially agreed to do but then did n't. Later I found that the bank reported the derogatory information to my credit bureaus. I then spoke with several people at the bank for several hours and ultimately got nowhere. I ask CITI to show what was bought within the last 5 years and the bank confirmed that no purchases were made during that time. I never found out where the {$100.00} monthly payments were going 4 years after I made my payment in late XX/XX/XXXX early XX/XX/XXXX. Now I am left with a derogatory mark on my credit for a debt I do not owe and actually should be receiving a refund for. I requested CITI to delete the derogatory account from any and all credit bureaus and to refund me the {$4800.00} that I overpaid them ( {$100.00} per month for 4 years. ) If this issue is not fixed I will be forced to hire an attorney and sue CITI for the egregious error they have made on my credit record. I had no derogatory information listed from CITI on this account ( no late payments, no charge off listing, no settled account ) before this issue arose. This is the last time I will make this request before I pursue a legal remedy.
Consumer complaint received 2017-07-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MI)

My mother is XXXX XXXX and she signed up for a loan not knowing the APR rate for the loan. I have called Big Picure Loans numerous times for weeks, they stated that they would send me an email to update and pay account off and never did. They also refused to help me pay off my mother 's loan in full. This company is extremely predatory and almost impossible to untangle with. I just want to pay the loan off and move on. They do not accept anything except direct bank deposits. After hearing very negative reviews, I am nervous to share any of my personal information. I do n't want this company to have access to anything of mine. The physical head quarters is located in the XXXX XXXX of MI which is extremely hard to get to to dispute in person.
Consumer complaint received 2016-09-08
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL (CA)

So i got a loan through Care Credit to be able to do my XXXX and i wasnt able to make more than the minimun payments and unfortunately due to illness in family i got overwhelmed and didnt get to call on it to ask how this promotion worked i called today and Care Credit could not help me in any way. i asked if i could pay what was owed before the promotion expired since its only been 34 days after the date of expiration and the person said no. So what can i do to get some help because i just dont want to not pay it??
Consumer complaint received 2019-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (VA)

An AMEX supervisor promised me he would get my complaint reopened ( which he did ) and promised AMEX would reach out to the merchant ( which they didn't ). I told him that if we didn't hear anything back from the merchant, I would close my account. I expect AMEX to be able to get responses from businesses that use AMEX for receiving payments. AMEX closed my case less than 24 hours after the supervisor opened it and they never even attempted to contact the merchant!
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2019-07-11
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. (ID)

Due to the vehicle 's continued safety risks with turning off while driving which locks steering wheel we attempted from XXXX of XXXX ( 35 days post purchase ) till XXXX of XXXX to have it fixed through the extended warrenty purchased through the dealership. Every month it was in for the same issue with no remedy found or even the issue. We worked with the lender to voluntarily surrender the vehicle due to safety risk, but were unable to have it deemed. Lemon due to it being a used vehicle at time of purchase. The creditor stated it would show as a voluntary surrender " showing better than a reposession ''. The vehicle was sold at auction and we were informed we had a balance remaining to the lender. 3 debt collectors immediately reached out for payment, none of which had my name as a loan holder so they would not speak with me. XX/XX/XXXX I recieved a call stating I had a court summons due to the outstanding balance. I paid the amount due that day as they called to speak with me. I recieved a notice that the debt was paid in full which was shared with the 3 main credit bureaus. XX/XX/XXXX the account showed paid in full with a XXXX balance on all 3 major reports. XX/XX/XXXX flagship credit acceptance ( the original loan holder ) reinstated the account details to show the full balance still outstanding. I contacted the representative that I paid the balance through who assured me the account was closed with a paid in full balance and offered to resend the paid off status of the account again to the major bureaus. No chance has been made, I contacted transunion today who informed me that the dispute on the account balance has been denied as XXXX says that I owe them so case closed. There is no consumer protection in this fashion if they simply take the word of the creditor and not accept the pay off notices that they had already accepted this year.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OR)

My report shows identity theft accounts I never approved. I told you about this and now demand their immediate removal. These false entries cause me distress and misrepresent my credit. I'll take legal action if not fixed quickly. They've blocked important goals like buying a home and supporting my family.
Consumer complaint received 2019-08-14
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: EQUIFAX, INC. (FL)

My Equifax report is not based on reality. It shows almost nothing but one credit card with no balance. In reality I have 4 with a balance of about 2500.00 and a mortgage of XXXX. Which makes my score with them 100 points lower than the other companies XXXX  and XXXX. I called them and waited 30mins on hold to talk to someone who could barely speak English asking me questions about accounts I know nothing about.
Consumer complaint received 2018-01-17
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. (TX)

XXXX XXXX auto account is settled and the account needs to be updated in all of the credit bureaus. Still showing negative. Please correct this matter. I have been patience now its has to go now. 
Thanks very much Pleased with your help with concern
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 

Your agency is in violation! 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-11
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. (CA)

XXXX # XXXX is reporting lates that I should not have. I changed my payment date from the XX/XX/XXXX to the XX/XX/XXXXand this is an error on their part. I have had this account for 15 years and have not had a single delinquency until now, which is not my fault.
Consumer complaint received 2020-03-18
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. (MT)

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX XXXX/XXXX DEPT OF ED/XXXX Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX XXXX/XXXX  DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX XXXX/XXXX DEPT OF ED/XXXX
Consumer complaint received 2019-07-11
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: STERLING JEWELERS, INC. (PA)

KAY JEWELERS XXXX XXXX XXXX. 
XXXX, OH XXXX ACCOUNT # XXXX This account never went to a charge off status, which for unsecured credit is 180-days late. This is the law that pertains to the FDIC Act, Code 5000. It takes 180-days late, or a total of 210 days from last payment before an unsecure credit trade line can be values as sub-standard. Accordingly, even though Kay Jewelers was satisfied in full, there is no exception on a charge off tradeline unless the 180-day late timeline has materialized. Therefore, the Charge-Off status is outside the legal guidelines, and must be deleted permanently. 

THIS CHARGE OFF TRADELINE MUST BE DELETED PERMANENTLY!!!
Consumer complaint received 2017-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was going to cosign for an automobile but changed my mind when the dealer stated there was fraud protection on my report and the dealership wanted me to phone and have it removed. I refused and asked that my application be eliminated. I no longer wanted to act as co-signer. However, a few days later I received correspondence from XXXX XXXX XXXX that provided 2 versions of the facts. One document claimed that the dealer did not obtain my credit report while another document dated the same date stated that the dealership had obtained my credit report. I also received a document from XXXX XXXX Application # XXXX that claims they were informed by XXXX XXXX XXXX I was seeking finance. This is false.