davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: ADVISORS MORTGAGE GROUP, LLC (NJ)

I found the house I wanted on or around XX/XX/XXXX. Signed contracts to close XX/XX/XXXX. For a FHA 203 ( k ) loan. XXXX XXXX of Advisors mortgage group LLc was my mortgage officer. He told me that he could have everything ready in 60 days, that is why we set the date to XX/XX/XXXX. Within those 60 day I was to get the house inspected ( on my choosing ) and get a contractors estimate. In order for me to have the house inspecected I had to have the OK from HUD and turn the utilities on. Between the inspection, turning utilities on, and getting the ok from HUD it took about 2 weeks. After that I was to get a contractors estimate. The first contractor took a whil and I decided against him. The second XXXX was great and we decided to go with him. This whole process took ablit 40 days. Which would leave XXXX 20 days to finish the loan. Only problem is, he never started the loan itself. He did n't even have the application started. Now moving forward he said he. Needed another 60 days to do the loan. Which was {$370.00} for each 15 day extension. Coming down to the end of the process. He informs me I have to pay for another FHA inspection ( {$800.00} ) and an appraisal of the home ( completed value ) ( {$400.00} ). All of which I believe advisors should have paid for. The appraisal took a while to get in, and I was waiting on the value of the home to decide if I wanted to. Change the bathroom to add more value to it. After The appraisal came in I decided to ask XXXX if I could add {$10000.00} worth of work to the home he said that would be no problem. I added the work and finalizing contracts were to be signed. XXXX also faild to gather my employment history completely until the last minute they sent my employer a worksheet to fill out. Now the loan is suspended and I can not show sufficient funds in my account because I have been paying for all of these extensions ; while trying to pay my own rent and bills. I talked to the heads of ADVISORS MORTGAGE rehabilitation department and they also told me my qualifications were great and I should have no problems ( XXXX XXXX ). All of a sudden I have to make changes to the repairs I was told I could do. While being expected to pay for another extension. I knew buying my first house would not be a easy task, but this has been one of the worst experiences of my life. The stress and frustration that I have experienced from people who were supposed to be there to guide me and help me through this experience was the worst display of professionalism I have ever seen.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2017-08-11
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. (NY)

XXXX XXXX applied a debt collection to my credit account with trans union in the amount of {$6800.00} or so. I disputed the debt immediately because it stated it was from XXXX. This account was included in my bankruptcy. I sent Transunion the federal Supreme Court papers showing these XXXX accounts. They stated that their investigation shows that it is current and the account will stay. I then called up the XXXX XXXX agency who took the paperwork and stated 30 days later they sent the remove from credit paperwork to the credit companies. I disputed this report with Transunion 2-3 more times with same results even with documentation. Finally, XXXX XXXX comes off my credit report and then right back on it the same day by Transunion. This is illegal as it was disclosed in my bankruptcy and I find it very unprofessional. I have paperwork ready to be filed for a Lawsuite if they do not correct immedietly.
Consumer complaint received 2017-08-10
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. (GA)

I attempted to speak to a Transunion customer service rep and they would not help and take care of the negative inquiries reporting to my credit report. The inquires are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-11
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. (MA)

1. XXXX has incorrect hard inquiries on my XXXX, XXXX, and Transunion credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my XXXX, XXXX, and Transunion report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.
Consumer complaint received 2017-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (MI)

XXXX XXXX XXXX/ TARGET CREDIT DATE ACCOUNT OPENED XX/XX/XXXX BALENCE : {$450.00} DATE OF MAJOR DELINQUENCY XX/XX/XXXX THIS IS NOT MY ACCOUNT. I LOOKED AT MY CREDIT REPORT IN XX/XX/XXXX AND FOUND THIS ACCOUNT THAT IS NOT MINE. I ALSO CONTACTED TARGET AND MADE THEM AWARE. THEY WENT TO ALL 3 CREDIT BEAUROS AND REPORTED IT AS OF XX/XX/XXXX AS MAJOR DELIQUENCY. I ALSO DISPUTED IT WITH THE 3 CREDIT AGENCYS. THE LADY AT TARGET CUSTOMER SERVICE TOLD ME SHE DIDNT CARE ABOUT ANYTHING I WAS SAYING AND JUST WANT A CREDIT CARD OR BANK ACCT TO COLLECT THE XXXX
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Experian is currently reporting a bankruptcy on my credit file that 's does not belong to me. I 've never lived at the address also was told by an agent at XXXX that someone with a similar name as me probably was the reason that they attached it to me. Anywho they 've deleted it from my credit filed and so have the other bureaus can you please look into this. When contacted Experian this guy stated that he had a direct contact at the bankruptcy courts to verify that the bankruptcy belongs to me. I 've reached out to the courts and they stated that " that 's a lie that they do n't verify anything with the credit bureaus ''. They also sent me written confirmation as well. Please see attachments.
Consumer complaint received 2017-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (CA)

Last month XX/XX/XXXX I noticed that Midwest Recovery Systems, LLC had placed on my XXXX  and XXXX credit report that they were collecting a debt of XXXX the last date of delinquency ( according to the info on my report ) was in 2012. The problem is ... I never took out a loan with the company that they are stating is the original creditor. This company has never sent any letters to my address alerting me to this debt or that they were attempting to collect a debt and when I contacted the Credit Agencies to dispute the debts, they both came back verified as mine by the Collection Agency and remain on my reports as valid. I contacted the Collection Agency - Midwest - and asked them for documented proof of the debts and they simply ignored my request and never followed up with me. SO I looked online to find out about this company and see that they have thousands of complaints against them in regards to putting false information on credit reports and other consumers having to file suits against them to get them removed. This company is being allowed to list on consumers credit reports without any documentation that they are actually owed debts and it 's ruining credit. Apparently all they needed to provide to the Credit Reporting Agency to " prove '' the debt was mine is my name, address, date of birth and last 4 ss I plan to take them to small claims court very soon because they will not remove or prove this debt but wanted to alert you.
Consumer complaint received 2017-08-14
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: LEXISNEXIS (AZ)

I have contacted LexisNexis Consumer on several occasions in reference to incorrect information on my XXXX XXXX XXXX XXXX ( XXXX ) report. My last contact was on XX/XX/XXXX because of an underwriting decision that increased my car insurance rates based on two incidents on XX/XX/XXXX and XX/XX/XXXX. I was sent a letter dated the same date as my discussion from LexisNexis showing that those two incidents on XX/XX/XXXX and XX/XX/XXXX were listed as not at fault. On XX/XX/XXXX ; I was sent a letter from XXXX XXXX XXXX Underwriting stating that they were cancelling my insurance effective XX/XX/XXXX due to three collisions on dated XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX which were listed as at fault despite being reported and confirmed by XXXX XXXX and XXXX XXXX as being not at fault. This incorrect information has caused severe harm to my insurance rating and ability to secure reasonable priced insurance.
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (PA)

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 that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.00}
Consumer complaint received 2022-09-12
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 — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc. (NC)

I am a XXXX citizen and I submitted my signed notice to not renew my lease via the apartment office 's dropbox on XX/XX/2019, which was within the required timeframe. XX/XX/2019 was XXXX XXXX and the apartment office was closed and it was not until XX/XX/2019 that the office staff returned to the apartment office. As a result, the apartment manager said my notice to not renew my lease was late and charged me a late fee which is a month 's rent. In addition, although the apartment manager had my email address plus phone number and knew my USPS mail was being forwarded to my new address, I was never contacted me about the issue.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In accordance with the fair credit reporting act, this creditor, Bank of America, has violated my rights XX/XX/2023. Under 15 USC 1681 section 602 states I have a right to privacy. 15USC 1681 section 604A section 2 it also says a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B A creditor may not treat a payment on a credit card account under an open and consumer and credit plan as late for any purpose.
Consumer complaint received 2017-08-14
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. (IL)

Reviewed My TransUnion Credit Report today and saw some suspicious inquiries that were n't made by me. Although I have a freeze on my account and an alert that some one needs to contact me whenever a line of credit is opened in my name. Once contacting the companies they stated I needed to contact the credit bureaus to get them removed. Here are the unauthorized inquiries : 1.XXXX XXXX ( X/XX/17 ) 2.XXXX ( X/XX/17 ) XXXX XXXX ( X/XX/17 ) Please look into this for me.
Consumer complaint received 2017-08-09
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (DC)

Ocwen Loan servicing LLC hired XXXX XXXX XXXX XXXX with forged documents and sued me in court for a discharged debt reinstated the debt and tried to extort XXXX+ from me. The debt was discharged prior to inception from XXXX XXXX who failed to entered appearance and failed to show. My HAMP was denied by XXXX and while unlicensed in XXXX they put me in another government program. Ocwen tried to reinstate the debt. XX/XX/XXXX. XX/XX/XXXX sent a notice I was in default. The letter did not conform to the requirements of a default nor was the loan accelerated. Instead they spent years pretending to put me in 5 HAMP programs to meet the government Standards and until the lawsuit filled in XX/XX/XXXX they documented on their own ledger the forgery of papers to foreclose, had people watching me outside, break in my unit. KEYS for cash was offered as it is NOT allowed in XXXX to enter a unit without keys. As a property manager i know from XXXX XXXX XXXX XXXX. they forged papers a transfer from XXXX to assign them my home. They have an unrecorded note without recourse they forged and put XXXX XXXX on there as the owner and then stamped in blank with no date payable in blank by XXXX XXXX in XXXX. Now XXXX the trustee of the XXXX XXXX XXXX claims it belongs to them.
Consumer complaint received 2022-01-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

They reported me to credit agency and threatened to report my mom to the credit agency. They refused to make a payment plan with me and told me that I could pay {$50.00} out of {$210.00} that I owe but because I am 40 days late, they still reported me to credit bureau for unpaid payments. They told me to ask my co-signer for help so they dont report her. XX/XX/XXXX this happened.
Consumer complaint received 2017-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (LA)

This is an ongoing issue with my Lowes consumer credit card. Due to numerous bugs, their system is spotty and oftentimes does n't recognize my username, but at other times it does. As a result, I was consistently getting flagged as " being late ''. To Lowes 's credit, they did refund me all my late payments except for my last one. Their reason for refusal is their claim that they ca n't process multiple late fee reversals. In addition, my previous payment on XX/XX/XXXX was well over the payment minimum ( {$100.00} vs {$35.00} ), which should have covered this month anyway. Their website actually has more than one location where payment can be made, but only one is the correct one, making it needlessly confusing. Once on the page, the system is incorrectly telling me that my usernames of " XXXX '' and " XXXX '' is invalid. I even tried several others, to no avail, even though it had previously worked. To make my final payment, I had to call into their automated phone system, which again was spotty, and unable to take my routing number as I typed it in, forcing me to waste over 15 minutes just to make my payment.
Consumer complaint received 2017-08-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

Between XX/XX/XXXX-XX/XX/XXXX, I had 2 cds totalling XXXX i believe was a little more, the reason for waiting this long I assumed the cashiers check i had made thru the 5th 3rd bank branch on XXXX street, XXXX NC was applied to ex-husband mortgage loan. according to a recent credit report, I did borrow money against the cds which show repaid back fully. The check was made out to XXXX or XXXX XXXX and XXXX ( XXXX XXXX XXXX ) I have proof that I had the funds, I have 4 witnesses that will go to court and testify as to seeing the check, and a conversation with the Floor manager and XXXX with his girlfriend and me present. He told XXXX he took the check to the XXXX branch. XXXX reps from California keep saying they never received that check. The check has never been signed, it is lost. First Manager I spoke to was rude, basically saying he could n't do anything. The main branch in XXXX I went through 3-4 people until I was sick of the run around. I even attempted to call the Pres. in XXXX and he in return had the area supv call me. It was like going around in a endless circle. Now that the house is in foreclosure and up for auction, I need the check to relocate.
Consumer complaint received 2017-08-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

On XXXX XXXX, XXXX a judgement was rendered against me by Portfolio Recovery Associates for an account written off by XXXX XXXX. I have contacted PRA with my concerns that the judgement was filed with improper documentation on the sale of the debt as well as my concerns regarding the collection tactics by PRA strong arming me into a payment that I could n't afford at the time and telling me that I did not need to respond to the court which in fact I found out that I did have to respond to the court, and I had to do some of the legwork myself that PRA attorneys should have done. I had a complaint before regarding this based on information reported about PRA and XXXX XXXX XXXX - both of which have sued me. PRA came back with a blanket answer that I was not eligible for restitution according to the CFPB charge - BUT, they did not even look at my concerns regarding the improper paperwork filed with the court. XXXX XXXX on the other hand, refunded all monies paid to them in full based on the same type of lawsuit filed for a different credit card - same tactics and paperwork as PRA. I have attached what I sent to PRA on XXXX XXXX and have had no response from the company other than it has been forwarded to the " XXXX Dept ''
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, TEXAS XXXX Please delete all other addresses, I can not receive mail or any correspondence nor did I ever lived at any of those addresses, I do not have access to any of those addresses. Please delete all addresses from my credit report and update it with the one above. 
My phone number is ( XXXX ) XXXX Delete any and all other phone numbers I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.

please send an updated credit report once the changes are complete to my contact information listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX TEXAS XXXX ENCLOSED : COPY OF MY STATE ID, AND SOCIAL SECURITY CARD, FOR PROOF OF ADDRESS.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XX/XX/XXXX {$1500.00} sent letter asking for proof and to verify my signature. 
XXXX XXXX XX/XX/XXXX {$2000.00} " " XXXX XXXX XX/XX/XXXX {$12000.00} sent letter asking for proof and to verify my signature XXXX XXXX XX/XX/XXXX {$20000.00} sent letter asking for proof and to verify my signature XXXX XXXX XX/XX/XXXX {$20000.00} sent letter asking for proof and to verify my signature
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

In XXXX, 2015, I called XXXX XXXX, to pay {$190.00} to my XXXX Store Card ending in XXXX, was told that a payment could not be accepted because a bankruptcy had been filed and this was being reported by the credit bureaus. I explained that I had never filed a bankruptcy and that I was the victim of a fraud. XXXX refused to accept my explanation, refused my payment then, proceeded to report the account as charged off to the credit bureaus with the remark " bankruptcy. '' This action by XXXX XXXX is unfair and unjust and it violates FCRA.