davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-13
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MONEY SOURCE, INC., THE (WA)

20+ points impact on your credit score because their auto-payments system wont kick in! Poor customer service, promise theyll get back to you but dont. In no way they reached out for me to alert me about a late payment despite automatic payments being setup. 

* XX/XX/XXXX - closed refinance through better mortgage * XX/XX/XXXX - first statement sent, payment due date is stated to be XXXX * XX/XX/XXXX - I log into TMS website and set automatic payments {$500.00} more than whats required to occur every first of the month. Hoping Ill never need to worry about it again. 
XXXX XX/XX/XXXX - email from TMS that my billing statement is ready to view online * XXXX - credit reporting services register credit score dropped 120+ due to being 30 days late on mortgage * XXXX - Friday, I get notified about credit score drop and since its the weekend no one to talk to at TMS * XXXX - I make an online payment manually of all remaining balance. Automatic payment didnt kick in for either XXXX or XXXX. no attempt to contact me. 
* XXXX - I was able to get in touch with a TMS customer service. 20 mins on the phone. person in extension XXXX promises a supervisor will get back to me. no one gets beck to me * XXXX - I call in 49 minutes on various holds on the phone. Eventually get through to XXXX at extension XXXX, she promises this time they will really get back to me on XX/XX/XXXX morning. 
* XX/XX/XXXX - no one got back to me.
Consumer complaint received 2020-10-13
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. (MO)

There's an unknown account reporting on my credit file inwhich i have no knowledge of. In the past this has been an issue after my identity was lost and unfortunately compromised. I've reported such to the 3 major credit reporting agencies many months ago. Therefore, I'm demanding the immediate removal of this unauthorized account. Please block this account. 

1. XXXX {$190.00}
Consumer complaint received 2020-10-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP (NC)

Hello, On XX/XX/XXXX, my loan originator, XXXX XXXX, closed a purchase loan and I believe I was discriminated against due to my gender. I initially wanted a conventional loan and was pre-qualified under conventional guidelines. When my loan was submitted for final approval, it got kicked back due to my Debt to income ( DTI ) ratios. I was in the processes of getting my NMLS licensed and asked what guideline they were using and why the debt to income had changed so drastically as I was in no way close to maxing out based on the pre-qualification I received. At the time of origination, I was working in sales, and had base + commission income. I had a XXXX  in XXXX of XXXX and took 3 months of FMLA ( returning to work at the end of XXXX of XXXX ) after XXXX  my child. Because I took XXXX XXXX and did not receive the commission portion of my income, my total averaged income had an annual difference of {$10000.00} or $ XXXX/monthly which is a HUGE difference in my monthly income. I gave an explanation to the loan originator, but she said we would have to go FHA and " it would take too long '' to switch back to a conventional loan at this point and I would miss my closing date. I came back to work in XXXX and could prove I was receiving the commission and had the ability to repay. I feel a letter of explanation could have been submitted as my ability to repay was in good standing due to the return of my commission on the pay stubs used to qualify. Due to this blunder, I lost about {$10000.00} in equity due to UFMIP and I have attached an email with the breakdown of the two loans which shows a difference of the {$10000.00} from the loan originator.
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION (TX)

Currently have an active chapter XXXX bankruptcy and navy federal credit union first revoke my credit card also removed my overdraft protection and now I can add my spouse into the checking account the other I does not really matter but i want to add my.spouse into my checking account that's i want and navy federal credit union does not allow me to according to them its there XXXX  policy.
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MA)

Dear SYNCB/NTWK ; There are different balances reporting across all the major credit bureaus. Some are reporting {$0.00} balance, and the others reporting {$1100.00} and {$4700.00}. Obviously this is invalid, inaccurate and in violations of my rights. plus i think this account is fraudulent and i have no knowledge of such account. I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. 
* 1692e : Use of false, deceptive, or misleading representations. 
* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MA)

Dear SYNCB/XXXX  ; There are different balances reporting across all the major credit bureaus. Some are reporting {$0.00} balance, and the others reporting {$1100.00} and {$4700.00}. Obviously this is invalid, inaccurate and in violations of my rights. plus i think this account is fraudulent and i have no knowledge of such account. I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2020-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (NY)

Collection opened XX/XX/2020 Account type Collection Department / Agency /  Attorney this is not a personal account. this is a credit card merchant. I opened a business account with them and this is not personal account and when I tried to cancel my account they told me if you did not pay {$560.00} we are going to XXXX up your credit and I told them this not a personal account this is a business account and they just kept telling me we used you SSN and this is going to effect your credit score. I called them several times to let them know this is not right. I reported to XXXX and dispute it but still on my credit report.
Consumer complaint received 2020-05-12
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. (TX)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-10-13
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. (MI)

Wow! This has been a roller coaster for me! I have been fighting to improve my credit and XXXX XXXX, XXXX XXXX  is extremely difficult to work with. I am trying to obtain a mortgage and am worried about qualifying or getting stuck with high rates, which could cost me thousands of dollars over the years. I truly believe my credit report doesnt accurately reflect my creditworthiness or my dedication to paying back my debts. Also, I am working with XXXX XXXX XXXX and the XXXX XXXX XXXX in order to reach my goal of Homeownership. 

After reviewing my credit report, I discovered a late payment was reported in XXXX of 2020. With that said, I wrote a Good- Will letter ( attached ) to XXXX XXXX as a second attempt in working with them. The only response that I received back was under-reinvestigation. Now, the other issue I have is they haven't reported my last three payments?? Ahhhh! I got a little crazy and analyzed the XXXX out of my bills and comparing to my credit reports. Come to find out, I was humbly requesting for a good will adjustment and they are the ones that caused every single one of my late payments ( attachments included ). I made XXXX sheets to compare. I was one day late, paid account in full and had a negative balance. If you compare some of the reversals I was able to get in the past you will see they are admitting fault yet still reported significant damaging items on my credit report. I had a XXXX  balance, and then for 2 months a - {$12.00} balance due them keep charging me late fees. 

Two Side Note Questions you may be able to assist me with ; I have truly come full circle and deserve a break. At XXXX, I Graduated this year Covid-2020 with my XXXX XXXX in XXXX XXXX and have come full circle as a XXXX XXXX of the XXXX. I was given student loans prior to having my XXXX  and did not understand the effects of MASSIVE student loan debt. I have multiple Late Payments on my XXXX XXXX as well. Not sure if there is even a way to remove? I wish I would have been able to view the interactive webinar explanations! 

My Credit score is increasing and I am in a position that my lease has expired and I need to move fast with getting my credit scores to par. It seems as though Equifax is not reporting many things and really behind in staying updated on accounts I have paid off. The score is significantly less than that of XXXX  and XXXX.
Consumer complaint received 2024-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MD)

Before transferring from XXXX to EdFinancial, I made a lump sum payment of {$870.00} on XX/XX/XXXX to cover payments for the entire year for my public service loan forgiveness ( PSLF ) monthly payment of {$53.00}. Despite making the lump sum payment to cover the entire year, EdFinancial is asking me to make a payment of {$53.00} on XX/XX/XXXX. I have provided and uploaded EdFinancial proof of my lump sum payment from XXXX, but the amount due has not been adjusted. 

On XX/XX/XXXX, EdFinancial 's customer service representative called me regarding my issue and told me that until XXXX fully transfers my student loan information to EdFinancial ( including proof of my lump sum payment ), I have to make this XXXX 's payment. The customer service representative also said that if I were to later submit a refund request for the payments that I believe I shouldn't have to pay, there is no timeline for when that refund would be processed. I already uploaded proof of my lump sum payment to EdFinancial through their online upload form, but the customer service representative said that the document was not enough proof. 

Please see attached my lump sum payment proof as well as a screenshot of EdFinancial 's website showing that I have an XXXX payment due.
Consumer complaint received 2020-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CO)

My Name is XXXX XXXX, DOB ( XX/XX/XXXX ) In XXXX of XXXX I made a call to US bank to make a payment on a collection account, I also asked US bank for a pay off letter because i need this removed from my Credit report However they failed to do so.. And I am still struggling to get this account removed from my report which is affecting  my score. I called a second time in XX/XX/XXXX for the pay off letter and I still have not received it.
Consumer complaint received 2020-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person
Consumer complaint received 2020-10-07
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: Experian Information Solutions Inc. (MA)

Dear XXXX  / Cfpb ; I'm not sure where to take this anymore, but for the last 3-4 months I been deliberately trying to reach out to the department of education, credit bureaus in regards to negative entries on my credit report and no one seems to help. It's been more than 90-120 days and the creditor, and the credit bureaus have both failed to report. It's impossible that these student loans were verified because it continues to report incomplete, inaccurate, erroneous information on my credit ; & it's basically an unverifiable account. Plus i have never gone to college or universities in the USA - These accounts as i stated before doesn't belong to me and i'm not liable for me. Also, after several research into this matter, through the ftc and cfpb website, i noticed that several student loan servicers were sued for mismanaging for not handling the accounts properly, and then falsely reporting information on an individual credit report.. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc. (TX)

This debt i no longer owe and was from 2015. This was settled in a vehicle accident lawsuit that my ATTORNEY was responsible for paying. I have contacted my ATTORNEY multiple times regarding this bill and he says " he will take care of it ''. I have no knowledge of any debt owed to this company and as stated all debts regarding this accident have been paid. 
This attorneys office has been telling me for 5 years now the " debt has been taken care of when apparently it has not. This has been filed on my credit report before and i was able to fight to get it off with the assumption the attorney had taken care of this like he was paid and settled to do. He made way more money than i and i was rear ended and side swipped and still suffer from back pain.. 
This attorney recieved his money, knew about all my bills and chose not to pay this pay on his own apparently. He paid the bills and gave me my share after all expenses were paid. I had no knowledge of what or what wasn't paid he was in full control over this. I also had XXXX  bills, ect which were all paid to my knowledge.

All medical expenses, bills, ect were to be paid by attorneys prior to settlement which went to mediation and was settled. Any and all medical bills not paid are the RESPONSIBILITY of XXXX XXXXXXXX XXXX XXXX  and or the attorney who represented me which was XXXX XXXX. 
I am not responsible for this bill. 
Attorney information has been attached in attachments- please see. 
XXXX XXXXXXXX XXXX XXXX