davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-06
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: Bread Financial Holdings, Inc. (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-06
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (NY)

On XX/XX/2019 I received a letter from MRS BPO regarding a debt to XXXX which I do not believe I owe. I responded, in writing, on XX/XX/XXXX to dispute the debt and to request that MRS BPO cease phoning me and communicate with me only in writing. To date I have received no written response or documentation to validate the debt or respond to my dispute but MRS BPO continues to make multiple calls to my cell phone.
Consumer complaint received 2020-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC. (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2023-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (FL)

In XXXX of XXXX, I applied for a PMI removal with Home Point Financial Corp. I was asked to pay a {$450.00} fee that was to be used for the home appraisal process. 

After the payment, I was given several more steps to do, which I responded to quickly, then the company suddenly stopped responding. I tried calling and asking about the status of my application, but was told they didn't know of any such application ( during most customer service calls ). In some calls I was told they had an application but it wasn't funded. 

After several months, I gave up on the PMI removal process and asked to at least be refunded the unused {$450.00} that I had paid for an appraisal to be done, since an appraisal had never been ordered. Given that the company denied knowing of such funds, they refused and simply said there's nothing they can do. 

I have deposit proof from my bank XXXX XXXX showing acceptance and check deposit by Home Point. I have since reached out again and they said they see the funds and will work on investigating. 
It has since been over 6 weeks with no progress, only updates that the request is in progress. I am concerned that I will once again be ignored, and believe 6 weeks is more than a generous amount of time to rectify the situation.
Consumer complaint received 2023-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (CA)

It has now been nearly 8 months since I submitted my PSLF application. Mohela confirms I have made more than the required 120 payments however they have failed to discharge my student loans. This is absurd and unacceptable. Payments will soon be resuming and I would appreciate it if Mohela could finally take some action on my account.
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings (FL)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (TN)

On XX/XX/2019, I was contacted by XXXX XXXX XXXX, to inform me that they decided to deny to employ me based, in whole or in part, on information contained in the report furnished by Sterling Infosystems INC . 
Sterling 's failure to employ reasonable procedures to ensure maximum possible accuracy and reporting criminal history information and other adverse information about consumers resulted in an adverse action - denial of employment.
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

For three years ( 3 ) I have been fighting to have an inaccurate account from XXXX XXXX XXXX, listed on my credit report. XXXX XXXX XXXX is continuously reporting Inaccurate account information to XXXX, XXXX and Transunion, including that I owe {$580.00}. I have sent five ( 5 ) disputes directly to XXXX XXXX XXXX, XXXX, Transunion and XXXX and I demand this account be completely removed from my credit report. This account has multiple violations of the Fair Debt Collection Practices Act, which guarantees a fair and accurate credit report. I formally dispute this account and reserve the right to file suit in U.S. District Court for violations of FCRA and FDCPA. 

XXXX XXXX
Consumer complaint received 2020-01-05
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. (MI)

My student loans have late payments back from XX/XX/XXXX-XX/XX/XXXX. During this time I was in forbearance, and then I was XXXX XXXX military. My account shouldnt have any late payments. 

And as of XX/XX/XXXX my student loans were paid in full due to the XXXX XXXX XXXX due to being XXXX XXXX with the Dept of Veteran Affairs. 

Some accounts have over 33 missed payments on it, and in total theres over 100 missed payments being reported, essentially destroying my credit score. 

I am unable to receive credit due to the incorrect reporting of the Fed student loan service.
Consumer complaint received 2020-01-05
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. (NY)

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND OUT SOMEONE WAS USING MY INFORMATION WITHOUT MY CONSENT .. I DID NOT OPEN OR PROFIT FROM THIS ACCOUNT .. PLEASE REMOVE ASAP thank you .. happy holidays
Consumer complaint received 2020-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My student loans have late payments back from XX/XX/XXXX-XX/XX/XXXX. During this time I was in forbearance, and then I was XXXX XXXX military. My account shouldnt have any late payments. 

And as of XXXX my student loans were paid in full due to the XXXX  XXXX XXXX due to being XXXX XXXX with the Dept of Veteran Affairs. 

Some accounts have over 33 missed payments on it, and in total theres over 100 missed  payments being reported, essentially destroying my credit score. 

I am unable to receive credit due to the incorrect reporting of the Fed student loan service.
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MA)

I have two sears accounts reporting to my credit. One account I know about. The other I did not open. My wife is a XXXX  and she called Sears on several occasions and asked for the application for the card, everything with my signature and all purchases. They responded with bills showing no purchases, nothing with my signature and no application. This card has a {$520.00} balance and these are not my charges. They have not provided me with dates. All I have is the information on XXXX XXXX  collection opened in XX/XX/2019. The statements Sears sent us show inly balances no charges no payments. I think someone intercepted a new card in my mail and charged it but I cant even file a police report because I dint know the dates etc.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion report XXXX This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

1.Capitol One denied my credit without explaining why the credit ws denied. My credit report is in good standing.When I tried to get an explanation of why it was denied, I get not get verified in order to verify why my application was denied 2. Additionally, after the application was denied, they claimed the application would not have any impact on my credit report, when in fact it DID and shows up on my credit report with XXXX.
Consumer complaint received 2020-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

My mortgage was transferred from XXXX to Shellpoint which is serviced by NewRez. Newrez sent me a statement that my maturity date had been extended from previous XX/XX/XXXX to now XX/XX/XXXX. I question this because I didnt refinance and I have a fixed mortgage hence there should be no changes. If the mortgage company changes. I requested a copy of my amortization schedule from NewRez and they sent me the identical copy that I previously received from XXXX that states XX/XX/XXXX ( which was fine ). 
Yet, Shellpoint/NewRez reduced my mortgage payments and extended the maturity date XX/XX/XXXX ( without my permission ). My taxes increased so I dont see how my payments should be lowered if I didnt refinance? I requested a new amortization schedule and i have not yet received it.
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX has been/continue to report a moving credit available, in order to always make it appear as if I'm utilizing over 95 % of available credit. This really represses my score, and has the worst impact on my credit score to date. To be clear here is what happened. I opened a short term loan of XXXX from XXXX XXXX to finance repairs. Some time in XXXX, they started reporting the balance due as the available balance.
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX has been/continue to report a moving credit available, in order to always make it appear as if I'm utilizing over 95 % of available credit. This really represses my score, and has the worst impact on my credit score to date. To be clear here is what happened. I opened a short term loan of XXXX from XXXX XXXX to finance repairs. Some time in XXXX, they started reporting the balance due as the available balance.
Consumer complaint received 2020-01-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Collection Agency : Portfolio Recovery Associates Original Creditors : 1. XXXX 2. XXXX XXXXXXXX 3.  XXXX XXXX ( aka XXXX Bank ) Portfolio Recovery Associates ( PRA ) has purchased ( 3 ) of my time-barred debt accounts, which are listed above. They are being reported to the major credit reporting bureaus as newly opened accounts, which is inaccurate and misleading at best. Additionally, they are being reported with inaccurate amounts and last payment information, for which I have emails to prove from the original creditors. 

Further to my concerns are that I've received threatening phone calls and robocalls. 

My concerns with each are as follows : 1. XXXX ( ending XXXX ) : This account is being reported as being opened in XX/XX/XXXX, and with a collection amount of {$840.00}. However, this account was closed on XX/XX/XXXX, and the last payment was on XX/XX/XXXX, and the balance at the time it was closed was {$480.00}. Where did the extra {$300.00} come from? The original creditor shows a closing balance of {$480.00}. I notice they no longer show the account on their website, but they are still reporting it to the credit reporting bureaus. 

2. XXXX XXXXXXXX XXXX  XXXX ( ending XXXX ) : This account is being reported as being opened recently as well, with a collection amount of {$1700.00} and the last payment in XX/XX/XXXX. However, this account was closed on XX/XX/XXXX and the last payment was on XX/XX/XXXX. Again, this was confirmed by my original creditor and I have emails that prove this as well. 

3. XXXX Bank ( ending XXXX ) : This account is being reported as a new original creditor account in the amount of {$1400.00}, but was was sold in XXXX and has been closed for almost ( 7 ) years. 

Lastly and what alarms me the most, there was a time-barred XXXX account ( XXXX ) in the amount of {$1100.00}, that they sued and garnished me for, which I paid in full before I understood and did any research on what time-barred actually meant. I am certain that they employ misleading and deceiving collection tactics, because they have shown me on numerous occasions.
Consumer complaint received 2020-01-05
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: Experian Information Solutions Inc. (OR)

Hi, We are requesting your assistance in having old addresses be removed from all 5 credit reporting bureaus. I am considering buying a house and i don't know how to get the old addresses removed. 

These companies would be : Experian XXXX  XXXX   XXXX XXXX XXXX  XXXX Thank you for your help!!!
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Social Finance, Inc. (TX)

SoFi has been erroneously reporting the account as being 90/60/30 days past due as I was paying the debt down and has verbally refused to change i, t although I get all of my proof from their website. To be clear here is what happened. I opened a short term loan with them, paid them as agreed with a few of the payments being not in full, but at least half. They continue to report to the credit reporting agencies as 90 day deliquent past due, as the balance was being paid down
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (IL)

My parents wrote me and my wife a check in XXXX for getting married. We then tried to cash the check into our Ally account towards the end of XXXX since we had forgotten about it. Turns out my parent 's account had closed since then. 

Ally restricted our account because they viewed the check as suspicious. They also will not talk to me because I am not the one who caused the account to be restricted. However they have been restricting my account as well. We have called so many times and have been told that if we get the check writer to call them they will resolve it. 

We have gotten the check writer to call and she has been told the issue has been resolved. This is a lie, they just lied to her to get her off the phone. Nothing has been resolved, they have lied to the check writer, and they will not talk to me even though my account has been restricted.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 USC 1681 section 602A states I have the right to privacy. And according to 15 USC 1681eb they are suppose to ensure this whenever the consumer reporting agency prepares a consumer report.
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I did a balance transfer 1 year ago. I mistakenly wasnt aware how to transfer funds to an external account to pay BoA and so the check was returned. Upon communication with the external bank I proceeded to transfer funds to pay Bank of America before the interest took effect. I went online and thought I sent {$20000.00} to Bank of America. Within minutes I called Bank of America after noticing the mistake once again and called in a {$20000.00} payment, which would leave approximately {$4200.00} left to pay on my card. I called them almost everyday and told them to stop trying to draft from the external account and to only use the payment method to which I called in. In speaking to collections, they told me that it was a bank error and didnt see where the {$20000.00} had gone through, which is why they closed my credit card account. She even asked me if it was taken from my external account to which I stated that it showed it posting on XXXX. She investigated and told me to call a number and tell them to refer to the notes to have my card reinstated. Bank of America without totally investigating told me they could not reinstate the card. Where is the grace? I have a 27 year mortgage with them to which I have never been late in 22 years. I have a checking account that has never been in the negative. I also have had this credit card for 30 years and have never been late. I dont feel that they properly investigated and have closed my longstanding account because they didnt take the time to value and appreciate and put forth effort to understanding the needs of a longstanding customer. This is my longest standing account and will greatly affect my credit score, which is unfair. I consistently called concerning this error. My credit score is excellent and I have never been late in paying anything.