davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

I have had a mortgage since XXXX. The loan has been handled by multiple servicers due to the discretion of mortgage companies to sell the loan at their discretion. Since the purchase of my home, the loan has been serviced by XXXX XXXXXXXX XXXX XXXX XXXX XXXX AmeriHome Mortgage and most recently XXXX XXXX 

While I was being serviced by AmeriHome, I made mostly online payments. The XX/XX/XXXX online payment seemed to have an error in processing ( payment was made XXXX ) that I was not made aware of until the XXXX billing statement was received. Upon learning that the XXXX payment didn't process, I immediately processed the payment online AND paid the XX/XX/XXXX payment. There was no issue with lack of funds. I submitted an online payment request in XXXX and moved on as I have done for several months. 

I learned in late XXXX that AmeriHome reported to XXXX a late payment on the mortgage ( the only XXXX since XXXX ). Subsequently, that XXXX late payment due to a technical issue with the AmeriHome online payment platform and NOT an inability to pay caused me to experience a XXXX XXXX XXXX in my XXXX XXXX, reducing my score from XXXX down to XXXX. I have contacted AmeriHome via telephone on numerous occasions in XXXX without success. I was notified in late XX/XX/XXXX that my loan was being sold to XXXX XXXX 

I feel like this action of AmerHome to drastically reduce my XXXX XXXX based on XXXX late payment and then sell the loan to another company XXXX day later was predatory and has cause me undue harm in my financial profile. A XXXX point decrease in my XXXX XXXX dropped me from the " very good '' to " fair '' tier with XXXX action. 

This situation does not accurately reflect my payment history, my credit management history and has placed me in a position of being perceived to be a credit risk unnecessarily. 

I am also extremely disappointed with AmeriHome 's unwillingness to even address this issue with me as a customer. I feel as though I experienced undue harm to my financial reputation due to no fault of my own and have had XXXX XXXX of recourse with AmeriHome.
Consumer complaint received 2023-05-08
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. (KY)

I had got a car from XXXX XXXX XXXX and the company that handles the loan is XXXX, firstly the interest rate given on the car was outrageously high and I didnt know was Illegal at the time but I do now, secondly the lot refused to fix things going wrong with the car that in writing they were responsible for fixing so I turned the car in and told them theyre not holding up there end of the commitment so Im giving them the car back. XXXX has been hitting and reporting incorrect information ever since, they wrote the debt off as a bad debt/ charge off as new many times. It was originally written off as a bad debt in XXXX of XXXX, and that I Voluntarily surrendered it in XXXX of XXXX which doesnt even make sense, they also refused to let my return the car and make payment or do a settlement and just instantly wrote it off as a bad debt, since then it has hit my credit negatively multiple times ever since, I called this XXXX of XXXX to see if we could do a settlement on the account and they agreed to it, I paid {$1200.00} to reconcile the debt, they then put it on my credit as a new charge off didnt add any remarks as to it being settled and paid and now its stating I have to wait another 6 years for it to come off of my credit report, I made the XXXX payment in XXXX of XXXX and it states it was written off again as a new bad debt which isnt accurate and to do so they changed my previous payment history to match their story and cause me and my credit more harm. XXXX has hit my credit and cause me unnecessary harm to be malicious which is against the law. Also XXXX is a fraudulent company their corporate number is a disconnected number that doesnt work and also if you try and call their main office it goes straight to voice mail. The only working number is to make payments and they have refused to help me. I have reported this to all of the the credit bureaus, Experian, XXXX and XXXX but of course XXXX is reporting FALSE information back to them so my credit keeps getting hit over and over again from disputes which is also not allowed. Im currently a loan originator so I now have knowledge of all the federal laws that are be broken on this matter.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

This what happened i went to a car dealership tying to applied for a car at XXXX, and XXXX say they was going to pull my credit report. When they did they found a phew hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
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. (OH)

Fraudulent inquires are reporting on my credit report from XXXX, Transunion, XXXX, and from the companies listed below. The fraudulent inquires are damaging my personal credit. 

XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately in my file : 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
Consumer complaint received 2023-05-08
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2023-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Upgrade, Inc. (IL)

I have tried to work with the Upgrade to get back the {$200.00} that I reported to them that was taken from my account when the withdrawal did not even occur. I reported an ATM withdrawal error and have not received a refund. I would hope they could resolve this and get the funds back to me as soon as possible.
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (LA)

I recently discovered that AidVantage, an official servicer of Federal Student Loans, was reporting my loans, to XXXX at least, as CURRENTLY DELINQUENT. XXXX is another one, but I've sent a complaint about them. 

The loans in question came from the Fresh Start Initiative. It was not their loans. The Dept of Education pulled the loans out of default and reported them current and is no longer reporting the loans to credit agencies. They were sent to a non-default loan servicer, in this case AidVantage. They have taken it upon themselves to report the previous defaulted history, and are making a very serious mistake by also reporting them as CURRENTLY DELINQUENT. A mistake that should have been fixed already. They can not possibly be currently delinquent. 

I am a XXXX XXXX so this delinquency is not possible. I checked with my school regarding my enrollment certificate and it is correct. I contacted AidVantage about this and the response I received is very confusing. 

They are claiming that the loans were one time in default and that the deragotary mark would remain on my credit report for 7 years. 

One, I did not even claim that was the problem I had. Of course, they were at one time in default, thus the Fresh Start Initiative. My problem is that they are reporting the loans as CURRENTLY DELINQUENT. The last report they made to the credit agencies was that it was 120 days late back in 2019 and have not made any reports since. They also claim that the dept of Education has directed them to not make reports to the crediting agencies. 

The whole point of the Fresh Start initiative was to give consumers a new start. 

It makes no sense that the current payment status of my loans would say 120 days late. Especially since I have a deferment. It makes no sense that I should have to go through writing a letter, dispute it, etc. when it has already resulted in me being denied a private student loan. They erred when they reported the previous information about these loans and never updated them to reflect it's correct current status. 

This is unacceptable.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX {$1100.00} balance, XXXX XXXX XXXX XXXX XXXX {$830.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$690.00}, XXXX XXXX XXXX XXXX XXXX {$330.00}, XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Chapters View
Consumer complaint received 2023-05-14
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: Bread Financial Holdings, Inc. (OH)

Please Note : I received a message an account already existed for me, but this is the first time I used my new email to file a complaint with CFPB ; more proof of Identity Theft! 

On or around XX/XX/XXXX I was denied credit because of fraud & /or identity theft getting reported by XXXX lowering my credit score. 

I lived in XXXX, XXXX for over a year so it is impossible that the information is accurate, especially because all my imported USA property was stolen abroad & upon my repwiatriation in XXXX. 

This is blatant retaliation discrimination ( as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, notice the date this occurred was XXXXXXXX XXXX XXXX  & the TX XXXX  is getting XXXX  most from XXXX  which even XXXX XXXX legally are protesting have it end & President Biden is discussing it with the President of XXXX ) which I have attempted to dispute with all my credit bureaus in the past directly and that is more trouble than it is worth ( waste of time & money ), so I'm filing a complaint with your organization. 

Comenity Bank used my XXXX credit report to justify denying me continuance of credit with my Victoria 's Secret Credit Card. 

The following information was given as reasons, but all of it is inaccurate : " Lack of real estate secured loan information Balances on accounts too high compared to credit limits and loan amounts Too few accounts paid as agreed Not enough balance paid down on installment accounts '' Concisely, to prove the inaccuracy of this information I do not have a house nor any loans in my name at this time that would effect my credit ( the student loans I have are deferred or deferrable ). 

My Victoria 's Secret credit card is the only account I had & I paid it off as agreed & had a {$700.00} limit with a XXXX balance. I filed a separate complaint on Comenity Bank. 

Additionally, all my USA property that I imported to XXXX, XXXX where I had lived from XX/XX/XXXX, well over a year was stolen and all my luggage when I repatriated XX/XX/XXXX, further proving identity theft & fraud/online scammers. I know the loans weren't done in person because none of the loans would have been approved & the irony is if I had applied I would have been denied, therefore, I don't know how the loans & credit was issued. 

I would sue those responsible, but they never give me their names & this complaint is to stop their use of my credit which I didn't utilize abroad in XXXX nor have I upon my repatriation, except to continue using my VS credit card that prior I had to report as stolen. 

In closing all of the XXXX listed loans & credit cards adversely effecting my credit score belong to someone other than me.
Consumer complaint received 2023-05-08
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. (CA)

On XX/XX/XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00}
Consumer complaint received 2017-04-10
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WI)

I was ill advised about repayment options in a time of hardship. I have done everything I could to keep payments on time, but was told my best option was forbearance. I was on a IBR but some how I have been placed in a deferment or a forebearance
Consumer complaint received 2023-05-08
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. (MN)

I received a noticed that XXXX  and experian Placed a 7 year extended fraud alert on my consumer profile with out my written or verbal request! This is a clear violation of FCRA. 
You do not have my permission to place any type of fraud alerts unless you had my written or verbal request to do so. That also includes fraud indicators as well. I have my own identity theft protection through my bank! I demand that experian and XXXX remove all fraud indicators and and alerts from my profile with in 72 hour.
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: NCC Business Services, Inc. (TX)

A paid account sent to collections, which was paid on time as soon as i received the bill. I have a copy of the payment, signature of management team approving my payment, also have the stub of the money order which was used to make the payment. Been to the manager twice and was told it would be rectified, but still showing in collections preventing me from renting apartment. i need this removed asap before i have no place to stay until it gets cleared.
Consumer complaint received 2023-05-14
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. (NC)

As of XX/XX/2023, I received results of my dispute saying it was updated. I see no changes in the update that I received. Im denying this update because there was a failure to verify the dispute correctly. I see on my credit report that these accounts were run as charged off. I never received the 1099-C Cancellation of Debt forms. Therefore, under consumer law 15 USC 1681e ( b ) these accounts are inaccurately reported and Im requesting that these accounts be removed from my credit, all 3 bureaus, immediately!
Consumer complaint received 2020-04-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc. (MN)

apply for a PayDay Loan with Advance America on XX/XX/XXXX in XXXX XXXX WI. 
The amount was for {$1500.00}. I worked with XXXX XXXX. She toke the application. On the application there was a stop about bankruptcy I mark yes. I didn't think about it until I was reading on the internet and in a Law book that if you are in bankruptcy you are not to apple for a loan. I called them right alway about this. I talked to XXXX, she looked at the application and yes we check the box. She told us that we should not received the loan. At that time I asked if she would stop the ACH. She said to come in to sign the paper to stop it. We talked to her about what will happen now. She told us if we could pay {$50.00} or {$100.00} dollars on the loan. That after 3 months they would call us and work out something with us. The XXXX   payment the let go. But in XXXX we got a call from XXXX about the payment of {$330.00} that they would be taking it out of check account tomorrow. I say oh know you won't that we stop the ACH. She said she had to check on something and would call back. Later in the afternoon she did call back and said they would not be do that. 2 weeks later in XXXX we get a call again from both XXXX and XXXX. Two days apart. Went thru the whole process again with taking out the loan out of check again. This time my wife talked to them and she was just so upset with this calling all the time. She did tell them that it was getting to be harassment when the call so many times. My wife called the home off in South Caroline and filed a complaint with them. We received a call from a XXXX don't know her last night. She is the person that covers the WI area that this office is in. Talk to her about the loan and about XXXX hanging up on me. Which she should have I was a really XXXX  to Her. After talking to her for a while she said that on XX/XX/XXXX and XX/XX/XXXX they have payments for us and On XX/XX/XXXX. She said the they are refunding us the {$960.00} and then we will have to return the money to them. Will we never paid them on either day. Plus we stop the ACH. We were told that the money with be in our account the next day. Call XXXX back two days later to fine out about the money and she said it was on the way. I knew she was not telling us the truth. When I talked to her again. Now this time she said that on XX/XX/XXXX they pulled out money from our checking account. An it looks like the stop it. 
I talk to our bank. There has been nothing coming out or try to take money from our account. Now the story chance again. Now I get calls every week to see when we can start paying them back or make some kind of arrangement to pay. My whole thing is they gave us the loan when on the application it said we have a bankruptcy. Also I don't like it when you give me a story : like they have been. Please help My wife is not on this loan but I put her down as Additional Account Holder she know alot about this.
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (FL)

I have tried for months to resolve the issue of not being able to login to my Comenity Mastercard, I do not get an email to reset my password or an email, I call every month and the issue is not resolved. I explain the situation every month and last sometimes for an hour or more on the phone and nothing works. I keep explaining this situation and get the same response. I can't access my account only to make payments in easy pay which does not show me transactions, interest charges, etc. This is so frustrating as I can't see what is on my card or if there are suspicious charges.
Consumer complaint received 2023-05-15
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)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-01-16
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Frontline Asset Strategies, LLC (OH)

I pay the debt it was a pay for delete never was deleted then I got a call from a private phone the other day saying it was frontline assets the guys name Was XXXX telling he can remove it for {$100.00}. If I XXXX XXXX him the money sounds like a scam. I payed for a deletion I want it deleted