davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I have contacted Portfolio recovery associates SEVERAL times as they have an ILLEGAL account under my social on my credit report. I am XXXX XXXX XXXX currently and this supposed credit card account was created when I was a MINOR and they have changed my date of birth to make me appear to be OLDER than what I am. I have sent them my identification as well as my HIGH SCOOL transcripts on numerous platforms including. I have told them several times to remove me from their system and delete the losing on my credit report damaging my credit and they have NOT done so still. What they did do what update the address on file to my actual address from the fake one they had after I contacted them. This is a direct violation of the law and they engaging in illegal practices. They have my DOB listed as XXXX or XXXX which is a lie. I was literally XXXX in high school and only XXXX now. 
I was a MINOR and its illegal.
Consumer complaint received 2022-03-22
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. (CA)

I've received my credit report from Equifax in the mail. I previously reported to them this same missing information problem and their response was to contact the credit card bank. The account bank keeps telling me that they report their information. My primary credit card, that I use most often, is my credit card from XXXX. It's a XXXX card. I use if regularly and it doesn't ever show up on my credit reports.
Consumer complaint received 2024-09-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Kentucky Housing Corporation (KY)

My ex husband and I divorced in XX/XX/year>. He was supposed to pay the mortgage on the home until it sold. He moved out in XX/XX/year> and will not respond to me at ALL. I have text, called, emailed, posted on various social media and nothing. The mortgage is in his name. The deed has my name on it. We did not post the home for sale due to him not completing the tasks listed in our divorce and he broke major things moving out. Kentucky Housing Corporation took my payment via check for what I thought was the XXXX payment. Turns out he never paid any payments in 2024. I reached out to Kentucky Housing in XX/XX/year> to let them know I was being garnished and to see what I could do to get mortgage payment assistance. I was told no help because I wasn't on the account. I can not find my ex husband to get the man to sign the release. I emailed probably every month this year trying to figure out how to keep my home. I filed for bankruptcy and am paying {$500.00} to that every month. I let them know I want the house but need help getting it out of foreclosure. I was pretty much told oh well. They sent me the release but no one can find my ex. I even text his new girlfriend and she said she can't wait to watch me and my kids be thrown out. I am a social worker with child protection in Kentucky. I have XXXX XXXX. The attorney for Kentucky Housing told me to be prepared to move out in 60-90 days. I NEED help! I was never served with paperwork and the " certified letter '' that went to my home was not signed for. The mail lady got mad because my kids told her I was asleep and she left it in the mailbox. That's not legal or I thought. I let the warning order attorney know I didn't sign for anything and it was oh well. This company would rather foreclose on my home and let it sit empty than help me save it. There's a home in my neighborhood that's been empty for over 3 years and it was a foreclosed on. I can make the payments now but I need to know how to catch it up and no one will help me. Kentucky Housing is the worst company ever and their customer service is deplorable. It's oh well be homeless. Please help us.
Consumer complaint received 2022-12-03
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX Balance : {$2800.00}
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

A payment of {$1800.00} is being held by my credit card company with absolutely no rational basis, especially in light of the fact that I have offered to prove that the ACH payment has cleared and the account is owned by me. Nevertheless, the payment on my PayPal Mastercard World Rewards card of {$1800.00} has not been applied to free up my credit, the card having a credit line of {$1700.00}. There is absolutely no reason for the company to hold my money that I need so that they can earn at the prevailing very high interest rates. The XXXX XXXX payment is on hold until XX/XX/XXXX, according to a customer service rep. This is arbitrary and carpricious and must be stopped.
Consumer complaint received 2024-09-02
Product: Credit reporting 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. (FL)

I have 4 hard inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

On XX/XX/XXXX, I was offered a refinance option ( XXXX  ) through my current lender, XXXX XXXX XXXX, and was in contact with a loan XXXX working with the company for the process. Im currently residing in XXXX, XXXX, but have family living in my home in XXXX XXXX, Maryland. 

Initially, I went through the whole process of digitally signing documents and obtaining the requested documents by getting a power of attorney for my mother to be the designated signee through the XXXX XXXX of which took time, money and other logistics on my part to get done so we could close for the refinance. During this time, my mortgage payments changed due to a shortage on the escrow in XXXX of XXXX, and since the account was being deducted automatically, the change had to be made via the bank and I reached out to the company to make payments via the phone but they couldnt take the payments. Further, the money owed was part because they didnt receive the full payment, but the main mortgage principle that we were paying for XXXX years was still being deducted. That sum was a total of {$1700.00}. The late fee was also charged and paid thereafter. After the change that increased my mortgage payments to {$1800.00} was made in XXXX, they received my power of attorney that I obtained from the U.S. consulate in XXXX, XXXX XXXX, they decided to deny my refinancing option under the basis of missing one late payment. I wanted to talk to someone in the department regarding this but was not met with my requests. I really feel that this whole situation couldve been handled better and fairly treated under the circumstances I was in. I would like to complain about this with hopes of receiving a fair shot, since we were doing our due diligence for 4 years making payments on timeeven in the mist of the pandemic we were puntual with our mortgage payments.
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (DC)

I purchased my home on XX/XX/2021 and was a 10 % down buyer. I've had to pay private mortgage insurance since my date of purchase as I was below the 20 % equity threshold. I called my servicer, LoanCare , LLC, in XXXX to ask for an appraisal of my property and found out this month that XXXX XXXX, who XXXX my lender, sold my loan to, refuses to lift my PMI until it's seasoned. XXXX responded that XXXX XXXX XXXX XXXX, issued on XX/XX/2021, state The minimum two-year seasoning requirement is waived if the Servicer determines the increased market value of the Mortgaged Premises since the Origination Date of the Mortgage is due to substantial improvements. However, on XXXX 's website, https : XXXX, there is a clear statement that ; Other things to keep in mind about the Homeowners Protection Act Loan investors, including Fannie Mae and XXXX XXXX XXXX often create their own PMI cancellation guidelines that may include PMI cancellation provisions beyond what the HPA provides . But these guidelines can not restrict the rights that the HPA provides to borrowers. For example, the HPA does not contain any requirements for a loans tenure before a borrower may request cancellation or be eligible for automatic PMI termination ( known as a seasoning requirement ). 

Nowhere in my closing documents that I signed did I agree to their guidelines. Under US Code, 12 USC 4902, my lender is violating the federal law, as I read it, by preventing me from eliminating my monthly mortgage insurance and is even refusing to consider an appraisal to prove my equity has reached over 20 %. Which I believe was my right until this heinous regulation was put in place in direct opposition to the law.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (NY)

Wells fargo accepted my 1st payment of XXXX via XXXX  saving/prepaid gov card. Now that I owe XXXX they XXXX  refusing XXXX accept payment unless my act goes into default. This is not acceptable! It is in good standing and I needXXXX have it that way as I am applying for mortgae housing so much as XXXX  doing may make me loose the home XXXX am applying for. These XXXX  their typical ussuary playbook tactics they XXXX notorious for. They must take payment from me from an acct they've already accepted payment from and stop playing these games
Consumer complaint received 2022-03-22
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)

n accordance with the Fair Credit Reporting Act hard inquires XXXX  XXXX ( XXXX  ) and XXXX ( finance ) posted on dates XX/XX/XXXX and XX/XX/XXXX respectively are violations my rights and is a committance of illegal reporting. These are unauthorized inquiries that I did not initiate. 15 U.SC 1681G ( a ) ( 5 ) States A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2022-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2022 I sent in letters to the credit bureaus asking them for verification on the inaccurate accounts that they were reporting to my credit report. The law says that they have 30 days, and it is well over 30 days. I have yet to receive a response from them on this matter. I'm upset and I feel like I'm being taken advantage of. This is a case of misleading false reporting and if this isn't settled, I will file for litigation. Please help me with this matter.
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (SC)

I first filed a complaint because every time I call Im on hold for hours PLUS I filed a disputes for charges that were not mine and my claim was denied. Truist retaliated against me for filing a complaint that they THEN blocked my debit card and said Ill never be able to have another debit card with them. I can use my three accounts with them but never a debit card. They didnt block it until my complaint got submitted. I have been with them for years and never had any problems. After I submitted my complaint I get a email from Truist saying if you have any questions call this person and here is their number. Ive called that person many times a day for a few days and no one ever picks up or calls me back. I even emailed XXXX who sent me the email with her number and I havent received a email back either. I think I this is unfair to make people wait hours on hold and when they have charges on their account that is not theirs to not give them credit and then when the consumer gets upset about this you block their debit card. Also I am showing a screenshot of my typical day calling for last 2 weeks. On hold for four hours. I gave up after that.
Consumer complaint received 2022-03-22
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. (FL)

I have provided evidence regarding identity theft on my credit report to both a credit bureau ( Experian ) and the lender ( XXXX XXXX ) however the lender claims that the identity theft dispute is a " civil '' matter and Experian will not conduct an independent investigation, all they are doing is simply asking the lender to confirm the validity of the account balance, which the lender insists is valid. The identity theft that I am describing was perpetrated by my father, who would apply for credit cards using my identity for his own personal gain. He would make mandatory minimum payments on the cards without any intention of paying them off. After he died in XX/XX/XXXX, payments ceased, and it adversely affected my credit score. Evidence I have provided to support my claim of identity theft is as follows : 1. Police Report with the XXXX XXXX County Sheriff 's Office naming my father as the perpetrator and discussing the case matter 2. Letter from XXXX XXXX stating that a bank account in my name which was used to make payments on the XXXX XXXX credit card was not created by me, instead was created by my father when I was a minor. 
3. XXXX XXXX statement showing a {$13000.00} payment processed at a business controlled by my father 4. Articles of Incorporation showing the business was controlled by my father. 
I have contacted XXXX XXXX repeatedly regarding the matter. They have either ignored my evidence that I presented to them by email on XX/XX/XXXX and XX/XX/XXXX, or they have simply stated that the matter is a civil one between my father and I. I have asked them to produce a copy of the original credit application and they have not honored my request.
Consumer complaint received 2022-03-22
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. (CA)

I have been working for almost a year to get these items removed on my credit report. I am a victim of identity theft and have been sending letters to the bureaus but they remained in my credit report. I hope you can do something about my situation. Thanks
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (WA)

I called US Bank to close my checking account on XX/XX/2023, and there was remaining balance of {$1500.00}. The customer service assistant told me that I would receive a check in around a week. 
After around 1 month without seeing the check, I called US Bank again to check the status on XX/XX/2023. I talked with them for over 2 hours and and was told that they had already sent the check around a week after the account closure. 
I trust USPS service in my area because I never miss a letter in over 3 years. I also searched online, there are several victims who have exactly the same experience with me, and some of them still have not got the money back yet. Consequently, I believe there must be some issue on US Bank side.
Consumer complaint received 2022-03-22
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)

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the XXXX. I filed disputes with these bureaus XXXX plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up XXXX day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Consumer complaint received 2024-09-12
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: Resurgent Capital Services L.P. (NY)

I am writing to file a complaint regarding LVNVFUNDG for their failure to provide a written agreement regarding an alleged debt. On XX/XX/year>, I requested from XXXX a copy of the written agreement that they claim I signed, which would validate this debt. To date, they have not provided the requested documentation. 

This lack of response is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles consumers to receive validation and verification of alleged debts. The companys failure to produce the necessary documents has caused confusion and concern, as I am unable to verify the legitimacy of this debt. 

I kindly request your assistance in ensuring that XXXX complies with the FCRA and provides me with the requested written agreement or removes this unverified debt from their records. 

XXXX Account XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (TX)

I have tried contacting this company several times through mail and see CFPB AND NOTHING GETS RECTIFIED THEY SAY THEYVE DONE A FULL INVESTIGATION AND PUT THE INCORRECT NUMBERS BACK ON MY CREDIT REPORT
Consumer complaint received 2022-03-22
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had taken out a loan for a car through XXXX XXXX  on XXXX of XXXX. I paid the car off completely and on time every month. It did not show up on my credit after contacting XXXX, transunion, XXXX through here they were of no assistance. When I speak with chase they told me that it is up to the credit bureaus to report the loan. I have been stuck and this is a big loan that I have worked hard to pay off. The account number is XXXX. For a XXXX XXXX XXXX XXXX. The account was a total of {$29000.00}. As of XXXX of this year it was paid off.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.