davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-10
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. (NC)

I am contacting you about a matter of great concern to me. Recently, I found multiple mistakes on my credit report. As I understand it, I have the right to contest these items with XXXX, Experian, and XXXX XXXX ; and each bureaus is required to conduct investigations into the specified accounts. I contacted the bureaus, and requested investigation via postal-mail, on XX/XX/2019. I expected to receive a response from the bureaus within 30 days, alerting me that the accounts have either been corrected or deleted. As of today, 44 days have passed without a response, and this is unacceptable.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The State of Missouri Federal Court does not submit information of Public Records to ANY of the 3 credit bureaus, that was verified by me via mail with the State of Missouri Federal Court - XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXXXXXX, MO XXXX. I had a Chapter XXXX Bankruptcy on XX/XX/XXXX that is an outdated Public Record still being reported on my Credit Reports from XXXX, XXXX and TransUnion. All matters of Public Record that are not reported to the Credit Bureaus directly from the Federal Court, but by a third party data miner, are not to be considered valid or accurate. Please assist me in getting the Public Record from XXXX off of my XXXX Credit Report. Thank you so much.
Consumer complaint received 2018-07-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION (MS)

I applied for a loan in XX/XX/XXXX. I didn't get the loan until XX/XX/XXXX because the underwriter was giving the loan officer the blues. He told her that was the best we could do for the interest rate and years. I thought this was unfair. The lowest interest rate they gave me was 6,7 % fixed 15 years for {$50000.00} which I thought was too high plus it was a home equity loan with the house for collateral. I made my first payment and found out I have a daily interest rate loan ( per Diem ), not a fixed rate. So within 6 months have have paid back over {$1000.00} in interest which is ridiculous. My credit is good and I am trying to get a better type loan and interest rate. 
Example payment in XXXX Interest {$210.00} and Prin {$220.00}. XXXX Interest {$340.00} and Prin {$95.00} went toward principle.
Consumer complaint received 2018-07-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

I have tried to on several different occasions to try to get the lender to review my short sale offer. I had all documents to the lender within a weeks time. Which would have given them over 30 days to review the offer, and they came back and stated that they did not have enough time to review the file for short sale. That is ridiculous. I feel that the lender is pushing me into a foreclosure situation, they definitely are not giving me any other alternative to foreclosure. 
I am at my wits end and do not know what to do. I now understand why people contemplate doing harm to themselves, as this situation has caused me to become emotionally distant and in a constant state of apprehension. I need help with this ordeal, as I feel like I am falling down the rabbit hole. Please HELP!!!!!
Consumer complaint received 2019-04-06
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. (VA)

The FCRA requires that a CRA reasonably reinvestigate any disputed information contained within a consumer 's credit report after receiving a direct dispute from the consumer. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Upon receiving such a dispute, a CRA has thirty days to perform the reinvestigation and to notify the consumer of the results. 

The CRA TransUnion, XXXX, and XXXX are not conducting reasonable reinvesting with XXXX serving regarding credit history from XXXX to XXXX regarding student loan debt. 

All loans has been in a current status from XX/XX/XXXX-XX/XX/XXXX and never late. Two student loan were report as being paid in full in XX/XX/XXXX but has been deleted from my credit report with the three CRA. 

On XX/XX/XXXX all accounts were paid in full but were delated by the three CRA due to my XXXX and race. 

The bankruptcy case was closed and discharge in XX/XX/XXXX and hasn't been removed by XXXX. The collection item with XXXX is not accurate information and XXXX has not investigated the matter. 

TransUnion has not investigated the credit history with XXXX serving from XX/XX/XXXX- XX/XX/XXXX. 

XXXX has delete my credit history with XXXX serving after the account were paid in full on XX/XX/XXXX. 

All inquiries are fraud and were I didn't give my consent to anyone but XXXX XXXX XXXX. 

Under the FCRA, CRAs have a duty to follow reasonable procedures to assure the maximum possible accuracy of consumer information when preparing a consumer report. 15 U.S.C. 1681e ( b ). In order to maintain a cause of action under 1681e ( b ), a plaintiff must show that : ( 1 ) the CRA negligently or willfully failed to follow reasonable procedures to insure the accuracy of the credit report ; ( 2 ) the information was inaccurate ; ( 3 ) there was an injury ; and ( 4 ) the injury was a result of a failure to follow reasonable procedures.

XXXX, TransUnion and XXXX has not provided any evidence to establish that the did an investigation under the FCRA regarding all dispute from XX/XX/XXXX-XX/XX/XXXX. The FCRA requires that a CRA reasonably reinvestigate any disputed information contained within a consumer 's credit report after receiving a direct dispute from the consumer. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Upon receiving such a dispute, a CRA has thirty days to perform the reinvestigation and to notify the consumer of the results. 

I haven't received any results from the CRA under the FCRA regarding my student loan dispute.
Consumer complaint received 2018-07-25
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: Angel Oak Mortgage Solutions LLC (CA)

Earlier this year ( XXXX to XX/XX/2018 ), I had attempted to refinance a townhome I own in XXXX XXXX, UT. I was working with XXXX XXXX of XXXX XXXX XXXX, who in turn was " shopping the loans '' with different companies/banks/investors. One of those companies was Angel Oak Investors out of XXXX XXXX, Georgia. The deal fell through as my income has changed, and they were understandably not comfortable assuming the risk. However, they have continued to pull my credit via hard inquiries. I called and emailed XXXX twice regarding this matter who said he will look into with Angel Oak. I have emailed and called Angel Oak and copied my attorney on the emails and have received no response, only continued inquiries into my credit which is needless to say, quite frustrating. Attached is documentation through XXXX XXXX credit monitoring supporting the above information. 





Regards, XXXX " XXXX '' XXXX
Consumer complaint received 2020-05-28
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Riverwalk Financial Corporation (IL)

On XXXX XXXX, XXXX, Deville Asset Management reported to my XXXX account a balance of {$20000.00} from original creditor, XXXX College. My school had already been closed for an entire year at this point. 

On XX/XX/XXXX, I received information from the US. Dept of Education explaining due to my school closure, all of my student loans would be discharged. I followed up with the US Dept of Edu and spoke with a representative who explained that all of my 18 loans I had were all discharged. 

I have disputed the collection twice. I have never received and information from the collector explaining that they have taken it over. After speaking with the US Dept. of Education again, I was advised to reach out to the collection agency and see what is going on. 

The representative told me that my debt was bought and I owe them money. Again, I have never received any information from them regarding the debt owed other than the times I reached out to inquire my account. I requested for information regarding the account they have on me but they refused.
Consumer complaint received 2019-04-08
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: American Credit Acceptance, LLC (PA)

I checked my credit and saw various inquiries that do not belong to me for the same date - XX/XX/XXXX. Additionally, they have been reporting for almost XXXX year. If this was for an auto loan, then these should have been grouped together as one and should not be listed individually. But i am requesting REMOVAL because it has been XXXX year. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, Used XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX CO XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

After reviewing my Experian credit report today XX/XX/XXXX XXXX though XXXX XXXX XXXX I've notice that ( Experian ) is the only credit reporting agency reporting an I accurate and inconsistent account under the Account name : XXXX XXXX XXXX XXXXXXXX . 

This account currently does not reports on XXXX  annual credit report or XXXX  annual credit report. It is my belief that Experian is continuously reporting this account to intentionally damage my credit profile & credit score a violation of FCRA rules section 1681. 

Account : XXXX XXXX XXXX  XXXX : Doesn't report last date of payment a violation of FCRA rules section 1681 : Doesn't report last date of activity, a violation of FCRA rules section 1681 : Experian continuously reports that account has been verified while still reporting multiple inaccuracies and violations under federal law.
Consumer complaint received 2020-05-28
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD AND NEED TO BE REMOVED
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (FL)

Company stated that it reviewed the telephone conversation with its manager, XXXX. I too have reviewed the conversation and have evidence of the company lying in an official response regarding the notification of account holders between 16 and 18 months of inactivity. In the conversation, XXXX specifically states that letters/notification were sent to account holders in this window warning them about account closure. 

A change of the Credit agreement and terms of this significance ( 31 months before closure, reduced to 16 months ) constitutes a significant change in the agreement and terms, which is required to be sent out via XXXX mail to affected consumers. Although the company may choose to close accounts at its discretion, the lack of notification, and discrimination to arbitrarily select consumers within a 2 month window to notify is a violation of the CARD act.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CO)

THIS COMPLAINT IS AGAINST MACY 'S CREDT CARD. 

I RECENTLY PAID OFF MY CREDIT CARD WITH MACY 'S AS IT WAS BEING HANDLED BY A CONSUMER DEBT MANAGEMENT COMPANY. THE ACCOUNT IS CLOSED AND IS NOW PAID IN FULL. 

UPON PULLING MY CREDIT I NOTICED THAT MACYS HAD REPORTED ME LATE ON EACH OF MY CREDIT BUREAUS STARTING IN XXXX OF XXXX AT 30 DAYS LATE, THEN XXXX OF XXXX GOING THROUGH XXXX OF XXXX. MY MACY 'S CREDIT CARD WAS BEING HANDLED BY THIS DEBT MANAGEMENT COMPANY AND I HAVE ACCURATE RECORDS SHOWING THAT THE DEBT WAS PAID ON TIME EACH MONTH. 

IN XXXX OF XXXX THE DEBT WAS PAID IN FULL. MACY 'S IS IN VIOLATION OF THE FAIR BILLING ACT AS WELL AS THE FCRA FOR REPORTING ME LATE WITHOUT PROOF THAT I WAS ACTUALLY LATE. THEY HAVE NO REASON TO REPORT ME LATE AS THE ACCOUNT WAS PAID ON TIME WITH THE DEBT MANAGEMENT COMPANY FROM XXXX OF XXXX ALL THE WAY THROUGH UNTIL XX/XX/XXXX WHEN THEY GOT THEIR PAY OFF. 

MACY 'S STILL HAS IT ALSO LISTED AS " CONSUMER DEBT MANAGEMENT COMPANY MAKING PAYMENTS '' IN THE COMMENT SECTION OF THEIR REPORTING. 

THEY ARE IN STRICT VIOLATION OF FEDERAL LAW AND I AM REQUESTING THAT ALL NOTATIONS OF LATE PAYS AND ALL COMMENTS REFLECTING THAT A DEBT MANAGEMENT COMPANY HANDLING THE ACCOUNT BE REMOVED FROM MY CREDIT REPORTS. 

THIS COMPLAINT IS NOT TOWARDS THE CREDIT BUREAUS, THERE SHOULD BE NO LISTING OF AN INVESTIGATION OR CONSUMER DISPUTES BEING PUT ON MY CREDIT FILES. THIS COMPLAINT IS AGAINST MACYS OR INACCURATE REPORTING. IF THEY ARE PAID OFF IN FULL WHAT DO THEY HAVE TO GAIN BY REPORTING THIS NEGATIVE INFORMATION AGAINST ME. 

REMOVE IT IMMEDIATELY OR FACE A LAW SUIT FOR VIOLATION OF THE FEDERAL LAW WHICH CARRIES A PENALTY FINE OF NO LESS THAN {$1000.00} PER VIOLATION AND I WILL ALSO BE SEEKING REIMBURSEMENT OF ATTORNEY FEES. 

YOU HAVE NOTHING TO GAIN BY REPORTING THIS INFO THE WAY YOU ARE AND YOU HAVE NO PROOF BUT I HAVE PROOF IN THE FORM OF A CONTRACT THAT THE DEBT MANAGEMENT COMPANY WAS MAKING ALL PAYMENTS AND I ALSO HAVE THE RECEIPT THAT YOU RECEIVED FULL PAYMENT EARLIER THIS MONTH.
Consumer complaint received 2019-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2020-05-28
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: SYNCHRONY FINANCIAL (NJ)

I have received a letter that one of my accounts are closed and they state my credit score to be at XXXX, when this is false. They closed my account for no reason or for the wrong reasons. I have a credit score above XXXX. This is not right that they state my credit score is lower than what I see providing false information.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account numbers XXXX and reporting incorrectly that I am ( 30 ) days late on partial account numbers XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (FL)

An ID THEIF applied for and received a credit card in my name from Chase Cardmember Services ( Chase Bank ), who subsequently closed account due to concern about validity. They informed me via a letter referencing " my Account '' ending in XXXX. I called their ID Theft line XXXX and asked for further information about the application, to pass on to law enforcement. Chase Cardmember Services refused to release it to me unless I put the request in writing, along with a copy of my Govt-issued ID and an Affidavit from the FTC. 

That is a lot of work and additional exposure to gain access to information they clearly have available but are reluctant to share.
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (AK)

My home was destroyed by an earthquake on XX/XX/XXXX. We put the house up for sale XX/XX/XXXX and we have had many offers and Specialized Loan Servicing Company has delayed and rejected all offers on the sale of my home for no reasonable reason. I owed approximately {$150000.00} on my home when the earthquake hit and the last offer we got on the house was {$150000.00} on XX/XX/XXXX. Specialized Loan Servicing approved a short sell on XX/XX/XXXX and then later rejected that short sell, but approved another short sell on XX/XX/XXXX. We have an offer which has been on the table since the end of XX/XX/XXXX and yet we are still dealing with Specialized Loan Servicing trying to get this offer accepted! I hired an attorney due to the frustration with this company who sent a letter on XX/XX/XXXX demanding that they accept this offer and they completely ignored the letter! I was told by my attorney that it would cost me approximately {$20000.00} to {$30000.00} to bring a lawsuit against Specialized Loan Servicing and I chose not to do so. My husband and I live paycheck to paycheck. When this earthquake hit in XXXX of XXXX we lost over {$200000.00}. in equity and also we lost our home of 27 years. We were forced to live in a borrowed motorhome, a hotel and now we are living in a rented duplex. My realtor and I are so frustrated over the handling of my situation as far as Specialized Loan Servicing. The person whom we were told to talk to with SLS ( XXXX ) does not return our phone calls in a timely manner and we were told at one point that she dropped the ball and had our file on her desk for approximately 5 weeks without handling anything with our file.We are just wanting SLS to do the right thing and accept this offer so that we may get on with our lives.