davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TX)

Bottom line : I have worked with Flagstar Bank to resolve an ongoing issue about an exorbitant increase to monthly mortgage amount for the past 3 months -- to absolutely no avail or remedy. My monthly mortgage amount was {$880.00} since I 've had the loan -- and it jumped to {$1700.00}. ( With escrow spread over a longer period, it 's at {$1500.00} which was an immense struggle for me to pay this month. ) This is still entirely insurmountable for me as single mom, as it 's almost double what I 've been paying. Flagstar forced escrow, even though I had made payment to my property taxes and flood insurance. I paid {$5300.00} for property taxes -- but we paid the county at approximately the same time, so they then forced escrow. Flagstar representative XXXX XXXX said perhaps loan modification would help. I went through that process, wasting 2 months of my time -- hoping and praying that I could get a lower payment so I could actually pay my mortgage and feed my son. Then, Flagstar said that I had been DENIED loan modification, because I 'm " current '' on my loan. What on earth?! What kind of help is that? Of course, I want to be current and I do n't want my credit jeopardized! That 's the precise reason I 'm turning to them now is to work out an amenable payment plan -- and NOT WAIT for when I 'm delinquent, ruining my credit. That 's ridiculous -- and not a reasonable, prudent way to do business. I can not afford this monthly mortgage amount, and Flagstar is not working with me in a real way which will help provide a remedy for my family. I am trying to be proactive, and not spiral out to delinquency. This is not wise. I want to restructure this now BEFORE I get to a point of delinquency -- that 's the smart way. They need to work with me on a real loan modification that is approved and works for my budget. I need to be contacted immediately to see how I can rectify this. This is payment, effective as of XXXX, 2017. Please contact Flagstar at XXXX.
Consumer complaint received 2017-09-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC (SC)

On XXXX I borrowed XXXX The loan carries an interest rate of 139 % and an APR of 139 % even though the loan is XXXX it is XXXX credit cost but if it 's paid monthly throughout contract, payout will be XXXX. I have borrowed from this company on 2 other occasions fortunately paid it of within a few months. My husband lose his job at the failed XXXX XXXXXXXX in SC along with XXXX other employees.I am wondering how companies are allowed to charge such outrageous interest rate There other pay day loans I am dealing with and have dealt with such as 1- The XXXX XXXXXXXX 2- XXXX XXXX 3-XXXX, They all are outrageousluck over rated. 
Thank You XXXX XXXX I
Consumer complaint received 2020-05-01
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. (GA)

To whom it may concern. 

I had my Credit Report pulled for my review and I noticed both XXXX XXXX XXXX  accounts are reporting incorrect. These account numbers are XXXX ... XXXX & XXXX ... XXXX. Now these have been paid off since 2017 but are still showing that they are in a collection status. The status on my report states paid but the history still shows collection and that is incorrect. It wasn't a collection but a garnishment of my military retirement check.If XXXX would look into my payment history, they would see this. I am sure its an oversight but the information is wrong and by law the account must be removed due to incorrect info.
Consumer complaint received 2022-11-15
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. (NJ)

XXXX XXXX as other Lenders attached projecting inaccurate credit score. Also projecting already disputed and verified information, which lead to automatic adverse action letter. 

When challenged, they claim that they report only what Experian tells them. Obviously, there is a serious glitch in their systems, and/or bad apples subverting proper information.
Consumer complaint received 2017-09-13
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: EQUIFAX, INC. (FL)

In view of the massive data breach at Equifax, today I attempted to obtain a copy of my free annual credit report from the Company. After supplying my full name, both current and prior addresses, date of birth, and my social security number I received a response indicating that I needed to provide further data so that I could be identified. The data requested was further financial data, including pay stubs, W2 forms and so forth. This information was to be provided by US mail along with a paper request for the credit report. 

I declined to provide any additional financial information to this Company, as it has showed it is incapable of safeguarding my highly confidential personal data. Moreover, I strongly object to Equifax using the obligation they have to provide consumers with a free annual credit report as a mechanism to collect even more, private financial data about people. 

Equifax should provide credit reports online with requiring additional financial disclosure from persons applying for their free annual reports. The information I provided online already was more than sufficient to adequately identify me. Further, there are other ways to confirm my identity, which Equifax already uses, that do not require additional disclosure of financial information. It is simply a falsehood for Equifax to say I need to supply a paystub or W2 for them to identify me adequately. Ironically, only someone who had hacked the Equifax database would posses the personal information about me initially requested, and that I provided in the application for a free annual credit report. 

I wish to obtain a copy of my free, annual credit report without being required to supply any further private confidential financial information to this Company. Equifax should be prevented from using this obligation to provide a free credit report as a way to gather even more financial data from individuals.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (GA)

In XXXX Money Lion Reported me 30 days late. Then they reported me late again in XXXX. I have never been late. I paid off a loan in XXXX. They said it was an error with there system never called me in email told me it was paid and on the phone. I had to resubmit the payment that was never late. I had no more payments after XX/XX/2019. I have successfully paid off 2 loans.
Consumer complaint received 2017-07-14
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. (NY)

There was that a computer glitch with their database on 2 separate occasions ( XXXX and XXXX ) with Transunion. This was TransUnion 's problem - not mine which caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. They refused to transfer me to someone that could help me and hung up on me, in fact. These inquiries have added a hardship and that my rights were violated by TransUnion.
Consumer complaint received 2017-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

My personal check was refused at XXXX XXXX even though my banker assured me that there would be no problem writing a check from the next pack of checks than the ones that were my stolen wallet. A company called Certegy Check Services contracted by XXXX XXXX. I called the number on the refused receipt for an explanation but was given around when I asked how they knew anything about my banking situation. My drivers license number showed no information on their files. I became tired of the run around and hung up.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (VA)

I applied for loan with XXXX , XXXX . It check my credit, it provided my credit scores to me on XX/XX/2020, It provided on that report Key Factors That Adversely Affected Your Credit Score, " TOO MANY XXXX XXXX XXXX ACCOUNTS. '' This quote was shown for both XXXX  and Equifax but not XXXX. I've never had such an account, and such accounts are normally associated with people who can not get low interest loans. My scores in the 800s. 

In tracking the cause down, I asked for and received 3 credit reports, one from each of the credit bureaus about XX/XX/2020. None of these reports showed any XXXX  XXXX  XXXX  ACCOUNTS. In speaking by phone to representatives of these entitities, they agreed that that my credit report did not show any such accounts but could not explain how that information was reported. Each also denied that it had any other report on me, which is contrary to conversations I had with FICO and CFPB representatives. I am unsure who is right but matters not. 

Everyone denies but no one can explain how adverse information got reported. I also spoke with a representative at XXXX XXXX XXXX who also denied knowing where this info came from and pointed to FICO. XXXX denied knowledge a few days ago but promised to call back after checking further but never did. Today, XXXX, Equifax denied any knowledge of how that info got reported. 

I chose to caption this as a consumer report as I've been led to believe that a consumer credit report, other than the actual credit report exists at the credit bureaus. Whether it does or doesn't, somebody needs to figure this out.
Consumer complaint received 2019-12-04
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: ERC (UT)

Enhanced Recovery Collection/XXXX  # XXXX is reporting a collection to my account that is in error. I have repeatedly tried calling, emailing and attempting to contact them to pay it before the account ever went to collections, however nobody will help me when I can get a hold of them and no one is calling me back. I am trying to pay this and am unable to contact someone in order to do so.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted each credit bureau several times about incorrect names and addresses on my report. My name is oft-times misspelled by creditors and reported wrong. I 've submitted my drivers ' license and passport to show each credit bureau the correct spelling and styling of my name as well as my address. I 've requested to have my reports updated. To date, this has not happened.
I want my name ( s ) corrected. The only names that should be on my report are my maiden and former married name : XXXX XXXX XXXX XXXX I DO NOT HAVE A MIDDLE NAME. My former married name has a hyphen, not a space between the maiden and married name ( s ), nor do the two names run together with no space. The name is hyphenated. ( XXXX XXXX ).
<P/>
The ONLY addresses on my report should be my current residential address : XXXX XXXX XXXX XXXX XXXX, GA XXXX *My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX *and my former residential address : XXXX XXXX XXXX XXXX , GA XXXX
Consumer complaint received 2017-07-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Credit Corporation (GA)

I have had this loan sin  XXXX   XXXX ,  2015 over two years paid the loam on time. I ran in to difficulty in the last few months. I was offered a payment arrangement by Avant however I ask do not direct draft my account. They set up the payment arrangement one time it 'go through I had to wait over 30 days for the support dept to resolve the issue then they cancelled it and created an additional one. Same situation  the direct draft which I request they not do. That one was cancelled. I complained asked for management told it was forwarded to support. I was told they would call me back. Today I was notified it has been report 120 days late. This I believe an attempt to use the credit reporting agencies to harassment in paying this debt. There has been no other communication in writing or phone calls.
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (WA)

The company didnt provide a resolution for this account. When I called the XXXX XXXX XXXX they said they dont have the account, but that Barclays has it they are still lying and giving false information.
Consumer complaint received 2017-07-26
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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (FL)

Dear Sir/Madam I have been a long time Target customer ; I used Target red card to do my purchases. Target used to send me the card statement in a paper format using the US mail. I have never missed or delayed a payment. I decided in XXXX to convert from paper format to an electronic format to save Target paper and money. I made a purchase in XX/XX/XXXX for the amount of {$100.00} never received any email notification to pay the bill. I checked all my email account history including the spam, did not find any correspondence from Target regarding the due balance. However, there were a number of advertising emails I received from Target. The only notification I got was a phone call onXX/XX/XXXX telling me that I have been a few months late and the balance now stands at {$170.00} including {$69.00} late fees and penalties. Target also tarnished my credit score which declined from XXXX to XXXX. I was very disappointed, paid the total balance on the spot, cancelled my account, shredded the card and decided to never buy anything from Target again. I strongly feel that I was mistreated by the Target organization and the action they took against me is unlawful and unjustifiable. Can I seek legal action against Target to restore my credit and to prevent this shameful incident from happening to other people?
Consumer complaint received 2017-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (OH)

I disputed a debt from XXXX XXXX XXXX that had been sold to the debt collector Southwest Credit. I wrote a letter requesting written verification of the actual amount owed, as XXXX XXXX XXXX had added several hundred dollars to the bill in unauthorized services. I received a letter XXXX/XXXX/XXXX from a XXXX XXXX at Southwest Credit providing no written verification of the debt, only their promise that is verified and that they wanted the full balance immediately. I will not be paying anything without written verification and I have submitted a second written request for the written verification that they are legally obligated to provide upon my request.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order to appear on your credit file. The credit bureaus has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2017-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

I have a credit card with Chase bank. Last year there were fraudulent charges on the card. As the issue was resolved I continued to make payments so that it did n't affect my credit. The balance was adjusted appropriately and I resumed making payments to the smaller amount that I agreed was a result of legitimate charges. My ability to make payments online was taken away. I was told it was because the account was closed. Instead I made payments via phone for months. I have maintained a regular payment each month as agreed. In the past 7 days I have called Chase multiple times to make my payment as usual. Only now they refuse to set up any payments over the phone. Instead I am transferred to a fraud investigator with chase that has told me that she will not accept any form of payment except a mailed check. I told her that was fine but I needed the account number. She refused to give it to me. I explained that they do n't send me bills or statements anymore even though I still have a balance. She told me that it was my responsibility to know my account number. Chase had stopped sending me statements, denied me access to my accounts or my statements online ( even though I have done them no wrong ), and now they are refusing to let me pay and very close to forcing my account into delinquency for no reason. Please help, I just want to be given a reasonable way to make the payments to my account.
Consumer complaint received 2017-07-26
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. (MI)

Inquiries on my report that were not authorized by me XXXX XXXX, 2015 XXXX XXXX,2015 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate information information being reported XXXX XXXX # # XXXX incorrect past due balance XXXX XXXX # XXXX incorrect past due balance XXXX XXXX collection incorrect reporting account open date Contacted transition, XXXX, XXXX  to report unauthorized inquiries and they failed to remove the inaccuracies on my report
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

I disputed several accounts on my Equifax report back on XXXX and XX/XX/2019. I received my credit report on XX/XX/2019 stating that the items was deleted but they was not.
Consumer complaint received 2017-07-26
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. (GA)

Per letter dated XXXX XXXX, 2017 I requested that they Validate this with the Bankruptcy Court and provide me with copies of any documentation associated with this account, bearing my signature. I formally requested that this information be immediately be deleted from my credit file that they maintain under my social security number if they can not provide this information. They have not provided this information or any other information bearing my signature as to the verification of there process. Per the Fair Credit reporting Act Section 611 ( a ) ( 1 ) ( A ) they had 30 days to provide the information which they have failed to do. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ) they are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that they post on anyone 's credit report. I am requesting that this Bankruptcy be DELETED NOW. They have failed to respond in a satisfactory manner within the 30 days of receipt of the certified letter and as a result I will be filling a small claims action against Transunion Credit Reporting Agency. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation : 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

On X/XX/2017 I reviewed my credit report on XXXX XXXX, make a long story short I realized there were multiple inquiries that I never authorized. I 've contacted the companies regarding this matter and they all could not find any of my information. So I 've contacted Equifax about this and they refused to do anything about this. I 'm extremely frustrated as this has taken majority of my week to get resolved and Equifax is n't doing anything about it. I 've faxed a letter, mailed a letter and disputed on their credit reporting agency. This is my last resort to getting this resolved. I demand the inquires to be removed.
Consumer complaint received 2020-03-03
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: Experian Information Solutions Inc. (TX)

I have submitted 3 requests to have unauthorized hard inquiries removed from my report. I have contacted the credit bureaus to ask for an investigation and I have contacted the ones responsible for initiating the inquiries. Nothing has been done to correct the erroneous reporting.