davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-09
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: LoanCare, LLC (FL)

I called on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX to advise them that I recently was laid off and needed assistance with my mortgage. I asked for an unemployment plan but was advised that I qualified for a partial claim. I as told to give them 30 days to review my loan, I said ok. I was sent partial paper work around the XXXX XXXX XXXX which I signed and returned. My new payment was suppose to start XX/XX/XXXXXXXX XXXX XXXX  about {$1500.00} and some change. I called numerous times to advise that the partial claim was sent and to see willing it wis take to be updated I kept getting several different answers. In my numerous calls I kept asking about my loan being current and XXXX payment being due XX/XX/XXXX and I was td that was correct. XXXX comes and the system still shows me due for XX/XX/XXXX. I was told several different things that it takes 30-90 days to fix my account. I have been in mortgage servicing over 15 years in Complaints so already know the horror stories with the mishandling of loans this is why I stayed adamant with calling. I ended pay my XX/XX/XXXX payment even though the system was not updated. I called on XX/XX/XXXX. XXXX and spoke with XXXX to try to see what was going because the account still showed past due. She then advised me that I need to pay XXXX XXXX XXXX XXXX  payments before the partial claim would be implemented in the system. I advised her that I was wasnt on a trial modification I was approved for and signed a Partial Claim and that did not come with a trial period. She insisted on the trial so I said ok because the situation already was stressing me out. Fast forward to today. I log into the system and it says I am due for XX/XX/XXXX payment, which I already paid on like the XXXX XXXX XXXX This whole process has been a mess and I stayed in contact because I already Loancare doesnt ever do things correctly. I worked for their subservicer and handled complaints for them regarding these same issues. Now my account is behind and the whole point of the Partial Claim was to have me current. Please have someone review this and correct my account. I just finally started back work a few weeks ago and I am still in a financial situation because of the mishandling of my loan.
Consumer complaint received 2023-07-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2018-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

I have repeatedly disputed the accuracy of a Care Credit/Synchrony Bank account that is reporting inaccurate derogatory information on my credit reports. According to my XX/XX/XXXX XXXX credit report ( see attachment ), Care Credit/Synchrony Bank reports a closed account ( Close Date :  XX/XX/XXXX ) with a credit limit of {$500.00}. However, the High Balance and Original Charge Off amounts are reporting as {$1400.00} in XXXX. In my previous disputes, I requested copies of the original signed agreement and terms and conditions for the account to assist with determining if the agreement outlined that interests and fees would accumulate after the account was closed. Synchrony Bank did not provide me a copy of the original signed agreement and terms and conditions of this account, as requested. However, they provided copies of purported billing statements that do not reflect that the account was closed in XXXX ( as reported on my credit report ) nor does it substantiate what the original signed agreement and terms and conditions were? 
Therefore, I am requesting a CFPB INVESTIGATION for this account. Specifically, I am requesting that Synchrony Bank provides a copy of the original signed agreement and terms and conditions to substantiate that an account, in good standing, can be closed then exorbitant fees be assessed for years, thereafter? No reasonable person would agree to paying nearly three times the original credit limit in fees. This is a fraudulent accounting practice that allows big banks to write off excessive amounts of losses that consumers never truly owed. 
Further, the fraudulent misreporting of this account information on my credit reports is a blatant violation of the Federal Credit Reporting Act.
Consumer complaint received 2023-09-22
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. (PA)

I need you to take action and investigate the inaccuracies on my credit report so that it accurately reflects my financial standing. As per FCRA section 611, it is imperative that you have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers! After doing some research into Metro 2 compliance standards as well, I've found there may be some inaccuracies in reporting going forward if these issues aren't promptly resolved.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

There are XXXX XXXX XXXX accounts inaccurately reporting on my credit report. I have sent multiple letters showing the inaccuracies along with my permissable purpose letter of the abuse that the credit agencies are committing, by harming my reputation. The following accounts need to be removed from my credit report or I will take legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX # XXXX
Consumer complaint received 2023-07-11
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. (MD)

After looking over my most recent credit report, I notice an account listed that causes concern because I am unaware of this account and question its validity. I am requesting and complete and accurate verification and of this account as stated Under the Fair Credit Reporting Act, section Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the Credit Bureaus disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. 15 U.S.C 1681 Section 602A states that I have a right to privacy.

15 U.S.C 1681 Section 602A Section 2 states a consumer reporting agency can not furnish an account without my written consent. 

Delete this account immediately, or they will have violated my federally protected rights and can held liable for {$1000.00} per violation. 

The account is XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX, XXXX, and Experian are violating my consumer rights by reporting incomplete, inaccurate, and authorized information. The Fair Credit Reporting Act clearly states that the credit reporting agencies have a duty of reporting information that is 100 % accurate or else they are civilly liable. I need all inaccurate, incomplete and unauthorized accounts removed immediately. Under penalty of perjury, I swear these accounts are false and misleading and are a result of the XXXX XXXX XXXX, the XXXX XXXX XXXX, and Experian Data Breach. Remove all accounts immediately! This is a Direct Violation of The FCRA by Reporting falsely
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have not yet approached the company about this as I hadn't the time as of yet but we will get around to it before the week ends. As is our long time personal experience with this this company, they are difficult to deal with at best so we thought it was best to deal with this simultaneously. 
The mortgage loan was placed on a forbearance for the Pandemic, as many people were doing with mortgages. I was forced to take a cut in salary for a few months as many were if they didn't outright lose their jobs and my XXXX  is on XXXX. We were technically on one income. 
We went into it in XXXX of 2020. We were on it for over a year and a half as we were granted a few extensions etc. When it was time to go back to paying we had a very hard time as this company refused to give us a straight answer on what our payment was going to be. We finally got back on track after a lot of negotiating and back and forth and agreed to terms, accepting the modification. At no time during all of this were we informed by this company that we were going to considered late and marked late on my credit report. Never did we expect this. We were on a forbearance. XXXX. Hardship that was approved. We just pulled my credit report as I was denied a modest personal loan and discovered that this company actually had me marked late. They marred my credit.
Consumer complaint received 2024-06-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Paypal Holdings, Inc (NE)

I put complain in for my refund not being refunded after sending product back that is still open through this site # XXXX and on the same day PayPal issued refund that limited my account and I have been calling them every day asking to speak with a supervisor and I have been told that they found another account that was in an XXXX XXXX XXXX not for sure of how to spell. And I asked PayPal to shut down that account before I send my ID in to get services back from being limited access as some has my information and can steal my money so I will wait for supervisor to call me back and you need to close that other account down as it is an fraudulent account open up in my name without my consent or knowledge so I was told again by PayPal ( get and pull all phone recordings ) I was told the back office is investigating the other account I asked did when was this account opened up PayPal said they don't know and I asked when was the last time that other account was used PayPal said they don't know but all this did not start happening until I sent in proof that PayPal lied and said my refund request closed in favor of the merchant because the tracking number was wrong which was a lie PayPal said and told Now PayPal is telling me it is suspicious activity on my account and I AM DEMANDING TO KNOW AND SEE THIS ACTIVITY NOW OF WHAT MY ACCOUNT I HAVE BEEN USING AND JUST LOADED MY LAST {$100.00} ON TO PAY SOME BILLS THAT NOW PayPal is now going to hold my money for ( 120 ) days I NEED MY MONEY NOW THIS IS Violating my rights PAYPAL has no right to do this Show me the suspicious activity and release my MONEY NOW as PayPal have closed my account without telling me nothing and now want to hold my money for 120 days why I will be filing an lawsuit against PayPal I am demanding the address of the register agent to see lawsuit this will be filed in federal court and I am demanding proof of what did I do the real interest of the party Paypal is making me late on my bills by holding my money without a cause I put in another request to have an supervisor call me as PayPal is not telling me what is going on that is my right to know what is going on and paypal is and has caused harm to me I will be taking this matter to court as PayPal has caused harm and damages and I the real party of interest is demanding Redress for PayPal under called actions they have taken against me XXXX XXXX XXXX. Number # XXXX and New Ref. Number # XXXX
Consumer complaint received 2024-06-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (GA)

I tried 6 times over 6 months to work with Ally Bank XXXX XXXX XXXX XXXX PA XXXX to stop sending account statements to my old address and new address. They said they fixed it each time, but sensitive documents continued to my old address. Ultimately, I closed the account but they continue to send statements, which I am concerned about because my old address has a new owner. Please stop them from sending paper statements to my old address for a closed account.
Consumer complaint received 2023-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

My loan was recently transferred to Mr. Cooper. After it was transferred I started getting calls that my payment was past due, however, Mr. Cooper never sent me any information on how to pay at the time and I could not access the online portal. After 6 days I finally had access to pay the payment but not after continuously receiving calls my account was past due. Not good customer service. 2 days after making a payment I logged in and noticed my minimum payment had increased by XXXX. I was not notified at all. The only reason I saw was because I logged in. Very poor practice they would raise a payment amount without information a customer as to why. I sent a chat and they said it could be potentially because they have a different minimum for escrow accounts. I understand different companies have different policies but that information was not provided to me as a new customer. The person on the chat ( XXXX ) just kept saying they didn't have enough information. Very poor customer service that they can raise the payment amount but don't have enough information to tell me why.
Consumer complaint received 2023-07-11
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. (GA)

On XX/XX/XXXXXXXX XXXX XXXX  I disputed bankruptcies cases with Experian. I was told that XXXX XXXX was the supplier of the information they were getting. On XX/XX/XXXX I disputed the information and also supplied Experian with a letter from XXXX XXXX that they deleted the information because they couldn't prove the bankruptcies return Experian still hasn't remove the bankruptcies from my file. I disputed it on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have disputing this since XXXX.
Consumer complaint received 2023-07-11
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. (GA)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

XXXX, XXXX XXXX, Equifax. Has cause damage to my Honorable name XXXX XXXX XXXX reporting XXXX accounts in XXXX XXXX XXXX XXXX and Social Security XXXX XXXX I XXXX XXXX XXXX, XXXX man, Secured XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX is XXXX that XXXX XXXX XXXX XXXX their records and recording be changed to reflect perfect Credit score per XXXX XXXX XXXX XXXX credit needs to be extended per my Constitutional Rights. If any documents are need for proof of XXXX provide email and written notice. Thank you for up holding your Oath to the XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (LA)

XXXX, XXXX and XXXX have been given me a hard time removing inaccurate information on my consumer reports i have send in notary documents and handwritten letters upon their request and in return no action taken place I am writing asking can you please look into this matter asap
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (FL)

lvnv funding knowingly purchased a credit card account knowing that i could not pay because i am currently unemployed and then filed a lawsuit with a friendly court to get a judgement put on me with an attempted to seize my property. i have communicated with the collection agency repeatly about my financial situation and it has falling on deaf ears now they are trying to use the law in there favor to try and add farther hardship on my situation there need to be an investigation on the practices of tis company. i need you to intervein in this company business practices because they are hurting people with there tactics.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-06-06
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Harris & Harris, Ltd. (NV)

My wife and I are currently separated, I learned that the Harris and Harris collections has been speaking with her only on my account. I have spoken with her as well and requested any information be given to me regarding this account and she agreed, however she did admit to me that she originally verified the account as me and the representative gave her all of my information and still made changes to the account even after learning that it was not me on the phone. I am not even completely sure that this is my account. I originally asked her to get involved since the claim would have been on her EOB with her insurance and she hasn't seen anything from the dates they are claiming I owe. Again though, I've received no information from this company, not a phone call anything so I don't even know what to do about this account. But I know that as long as general information can be verified they will provide the info to everyone. Per my ex, they only verified my name, phone number, date of birth and address, which is all public information.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-11
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. (PA)

After review of my credit report, I found that the XXXX XXXX XXXX had me in collections. First and foremost I never had a Credit Card with the XXXX XXXX XXXX When I contacted them they had ABSOLUTELY NO KNOWLEDGE OF MY HAVING ANY ACCOUNT WITH THEM OF THEIR ASSOCIATE BANKS... So they stated that I should contact XXXX XXXX XXXX XXXX. I did. I sent XXXX XXXX XXXX  a Debt Validation Letter.

I was told by XXXX XXXX XXXX that my account with them was paid years before and that this account long ago should have been removed from my credit file. 
When I informed them that it was still on my credit report they said they did not understand why, They told me they would send me a letter to verify this. 
I do not understand why the XXXX XXXX XXXX has me in collections when I have never had a Credit Card with them. And even if they are the bank that issues Credit Cards for another company, then that company should be the one to place me in collections not The XXXX XXXX XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (MO)

Back in XXXX or XX/XX/year> I started school at XXXX XXXX. I dropped out of school XXXX of 2XXXX because I was XXXX XXXX XXXX and was advised by my doctor at the time to be on XXXX XXXX Later on as I was speaking about the money I did in fact borrow prior to me having my XXXX on XXXXXXXX XXXX XXXX I learned that there was money borrowed after my child was born from that school. So I started taking this matter up with the school itself. In the process of me taking it up with the school, the school closed down. Later I would find out there was a lot of fraudulent activity involving the school somehow taking loans out on students name. Which the school had several lawsuits as well against the school as well. I have put in several disputes in with no luck of getting the loans that were taking out after XX/XX/year> from that school. Those loans are completely fraudulent. The only ones that belong to me were the student loans that I had prior to XXXX of XXXX