davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

XX/XX/2018 I called XXXX XXXX  concerning my first Mortgage statement. I'm a brand new Mortgage customer at XXXX XXXX. I noticed a discrepancy with my first Mortgage statement so I called my Mortgage Co Customer Service Department and the Customer Service Rep was polite and courteous. After I explained my issue to her she was unable to resolve my issue and transferred me to her Supervisor at my request and that's when the problem began. I could tell that she was not a Supervisor just by her tone and the way she answered the phone. She was very RUDE & GHETTO. She was unwilling to assist or listen to what I had to say. She just kept repeating the same thing over and over again. Indicating that there was nothing that she could do for me at this time. I had to take a deep breath and count to 10 because I was about to go off on her, but I didn't. I informed her that I could not pay this amount on my statement and she transferred me to the Mortgage Assistance Department which was closed for the day. 

If this is the type of service that I can look forward to I can't wait to refinance or to have my Mortgage sold to another Company. I know that there's a current Lawsuit or one coming soon and I can't wait to jump on that band wagon. No one needs to be mistreated and treated like a number. She made it seems like I was bothering her, but she forgot who pays her salary. My Issue was never resolved so I'm stuck with this high payment. So I guess my other option is modification or bankruptcy.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Equifax has failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA. I have included information to update my address. 

ACCOUNTS XXXX XXXX not mine XXXX  XXXX XXXX not mine USD/XXXX  XXXX not mine XXXX  XXXX XXXX  XXXX {$110.00} not mine XXXX XXXX  XXXX {$380.00} not mine XXXX   XXXX XXXX {$490.00} not mine XXXX XXXX {$610.00} not mine XXXX XXXX {$20000.00} not mine
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Trans Union failed to respond to my dispute letter of XX/XX/2021 within 30 days. I sent this letter XXXX certified mail and have enclosed a copy my original letter, the certified mail receipt, and the XXXX tracking report showing delivery on XXXX, as well as my follow up letter on XX/XX/2021. 

No response or action was taken on their part. This failure to comply with federal regulationsby a credit reporting agency violates the FCRA
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  is reporting correctly. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AZ)

Commenity Banlk and Women Within failed to send my products I ordered to the correct address and them failed to send bill to the correct address until I notice these items on my credit report Women within stated that they would remove from credit report and they did not then was told to contact commenity bank and they told me to contact women within it just goes around and around This item should be removed from all credit reports. 
it was their fault i did not send to correct address even though I gave the correct address 3 times.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear CFPB, I am writing to file a complaint against XXXX, XXXX and Transunion for violating the Fair Credit Reporting Act ( FCRA ) and TILA 15 U.S. Code 1666 ( b ) regarding a billing error on my credit report. 

Please see the dispute letters I attached on this complaint. It consist the account details. 

The presence of this inaccurate billing error on my credit report is causing me significant harm, including : 1. Difficulty obtaining credit at favorable rates.

2. Higher interest rates on existing loans.

3. Denial of credit applications for housing, car loans, or other financial products.

4. Damage to my credit reputation. 

I urge the CFPB to investigate this matter thoroughly and take appropriate action against the Bureau involved for violating TILA 15 U.S. Code 1666 ( b ) and the FCRA. I request that the CFPB : 1. Order the credit bureau ( s ) to remove the inaccurate billing error from my credit report. 
2. Require the credit bureau ( s ) to provide me with a copy of my updated credit report reflecting the changes. 
3. Ensure that the credit bureau ( s ) take all necessary steps to prevent similar errors from occurring in the future. 
4. Consider taking further action against the bureau ( s ) for their violations, including potential fines or penalties. 

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (NJ)

LOANCARE/ XXXX XXXX is reporting an incorrect mortgage balance to XXXX  XXXX 

Our mortgage was transferred to Loan Care for servicing on XX/XX/2021. On XX/XX/2021 LOANCARE/XXXX XXXX  first began reporting our loan information to XXXX Credit bureau. 

Our loan balance should be reported as {$180000.00}. 

However, LOANCARE/XXXX XXXX XXXX  has reported the balance as {$180000.00} We would like the mortgage balance reported accurately to all credit reporting agencies that LOANCARE/XXXX XXXX use.
Consumer complaint received 2023-01-24
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation (NC)

I noticed I had a debt collection on my credit report. from Bridgecrest for accountXXXX. I sent a request for a validation of this debt to Bridgecrest via mail on XX/XX/2022 per my rights under the Federal Debt Collection Practices Act. As of today, XX/XX/2022, I have not received any validation of this debt. They have not responded to me in the necessary amount of time and I would like this debt removed from my credit report.
Consumer complaint received 2023-01-24
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital one bank ran a hard credit report inquiry without my consent. Called the XXXX department XXXX capital one and they said that they couldn't find no application. However XXXX  report states there was a hard inquiry on credit report.
Consumer complaint received 2023-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

My loan is paid in full. The servicing loan company refuses to give me original satisfaction of mortgage or release. I must register with my county clerk. They are required original documents. The servicing loancompany also has not given said document to the clerk office .I can't file withOut the cover page accompany with my orgionalmortgage release satisfaction document. I have constantly asked for the original release with the seal. Several times to no avail. My cover letter to the county clerk requires the original mort gage satisfaction release. Please Help
Consumer complaint received 2023-02-13
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: EQUIFAX, INC. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom it May Concern Someone Has stolen My Identity. They Open Accounts Using My Personal Information, This is an Un bearable Stress that I need help resolving. I cant Understand how Can they use your personal Information with out you being present or having your authorization with your Signature
Consumer complaint received 2023-01-24
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-03-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I lost my job last year due to COVID, along with my partner losing hours with his job because of the pandemic and job site closings.

I submitted a request to Suntrust ( now Truist ) for COVID-19 relief, which put my loan into forbearance. I was very lucky to find a job pretty quickly after losing it, and around the same income - and the relief that was provided to me was enough for me to get back on my feet. 

During the process, Suntrust sent me SO MUCH communication. In fact, they sent me two packages of relief to come out of forbearance that I signed - and as you'll see by the dates on the package - they came to me in a matter of a week, which led me to believe that I needed to fill both of them out. 

What I've come to find out is that one of them is a partial claim - which I had notarized, that would have my mortgage payment starting this month - which I wasn't ready for. I then got another package in the mail - which told me I would start trial payments on XX/XX/XXXX - that's the one I wanted ( and apparently is through HUD ). 

When calling Suntrust - and having spoken to one of their associates - who led me to believe that I was in the WRONG for filling out both - and didn't take responsibility for sending confusing notices - I'm now on the hook to pay my mortgage back this month and I'm already 16 days past due and told the associate that XXXX and the other package I filled out was the one I preferred - so that I could get relief and find stabilization during all of this. I've requested twice to speak to someone that makes decisions at Suntrust on why this can't be changed to the 2nd package ( trial payments with HUD ), and why Suntrust would send me two conflicting things in the first place. 

Now I'm worried that because I followed THEIR directions to fill out two different applications ( when I thought it was one and the same ) - this is going to 1 ) negatively impact my credit score ( where I have an excellent one ) and did everything the right way in contacting them when I needed help, something they've boasted about doing - only now telling me that can't help me and 2 ) that my house is at risk - THIS IS OUR HOME. 

If this doesn't get settled here with the CFPB, I plan on taking this to the news. This is absolutely absurd and feels like I was duped - and even the woman on the phone said she didn't understand why they sent me two different loss mitigation options - that it shouldn't have happened ( please, ask Suntrust for the recordings of our telephone calls ).
Consumer complaint received 2023-01-16
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. (AL)

I wrote Trans Union and XXXX letters stating the bankruptcy is incorrect. They sent me letters stating that it is correct according to XXXX XXXX. XXXX XXXX sent me a letter stating that they couldnt verify the bankruptcy and they removing bankruptcy from there file. I enclosed a copy of XXXX XXXX letter with my last letter and trans union and XXXX  and they still have the items listed on my credit report.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

They are fraudulent activities on my credit report. They are hard inquiry that are not mine. And I need it removed. The address that these inquiries are under is not my address.
Consumer complaint received 2021-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Account Systems of Madison, Inc (WI)

On XX/XX/XXXX I filed a Ch XXXX in the State of Wisconsin Bankruptcy Court docket number XXXX. Presiding over that hearing, was XXXX XXXX Ch XXXX Trustee. Included in that filing were several medical bills from XXXX held in collections by NAS National Account Systems of Madison WI XXXX XXXX XXXX # XXXX, XXXX, WI XXXX ( XXXX ) XXXX. 

Approx 3 months after the bankruptcy hearing, NAS removed all collections as active citing them under the bankruptcy. In XXXX, NAS re-aged those same medical bills, gave them new acct numbers and re-listed them as ACTIVE and reported them to the Credit agencies. I then called NAS and they removed them a second time. 

On XX/XX/XXXX, NAS AGAIN re-aged these same medical bills gave them new dates, acct numbers and re-listed them as active collections to the credit agencies. This resulted in my score dropping 44 points as of XX/XX/XXXX which is how I found out NAS had done this again to me. I have worked very hard over the past two years to rebuild my credit after filing the initial bankruptcy in XXXX and it was just reaching the XXXX score prior to NAS illegally doing this again with these discharged debts.

I contacted NAS on XX/XX/XXXX, left a nasty expletive laden voice mail to them, called my bankruptcy attorney and contacted the Hearing Officer, XXXX XXXX. I then disputed these debts as active collections with the Credit Agencies and now I am contacting you for investigation and sanctions to be levied against them ( NAS ).

The first time they re-aged a re-listed these post bankruptcy, I bought their excuse it was a " mistake ''. I let it go. However it is less than one year later after that and they have done it again. They did not call me at anytime for that would have alerted me that they were seeking to collect and they knew that these were discharged through that XXXX bankruptcy. NAS decided to again go behind the scene and place them for collections with the credit agencies. Prior to filing the bankruptcy this agency ( NAS ) hounded me constantly vis telephone for payment. post Bankruptcy this agency did call me ONCE asking for payment but instead, just re-listed them as active to the credit agencies. Now that, is BS and can in no way be construed as a simple mistake or error on their end the second time around.

Since they have violated the bankruptcy laws of WI as well as caused adverse action o t be taken against my credit score, I am seeking damages- punitive as well. I gave them the benefit of the doubt post bankruptcy the first time they re-listed these as active in XXXX. I am not giving them the benefit of the doubt this time or, letting them get away with this, this time.
Consumer complaint received 2020-03-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: MiraMed Revenue Group LLC (NJ)

I get called daily from this company which I have since blocked. I still get notification of blocked calls and voicemails my phone just does not ring. The company is MiraMed Revenue Group. The phone number that they use to call me daily is XXXX. 

They always leave the same message which is that I owe a debt and need to contact them. I have answered the phone calls numerous times telling the company to stop contacting me to which they did not and led me to blocking the phone number.
Consumer complaint received 2018-08-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Credit Union froze all 11 of my accounts without any explanation in XX/XX/2018 but stating that I would be contacted within 15 business days. After that waiting period and not having heard anything back from Navy Federal, I  decided to contact them myself. I was informed that my accounts were closed and I would be given a reason in the mail but that I could appeal the decision in branch. I went through with the appeal letter and was told again that I would be contacted within 15 business days. I heard nothing for 3 weeks so decided to phone Navy Federal for an update. I was told my appeal was denied and that I could open another appeal and that the reason of the denial would be received in the mail, by me, within 15 business days! This went on for several months with my accounts being frozen causing a chain reaction of payments being returned with Navy Federal still charging me return fees! Prior to this, I had requested that those payments be stopped to prevent this but to no avail of their own! I held 3 credit cards with Navy Federal that were also frozen. Without any knowledge of the status of my account other than assuming they were closed, I decided to close the credit cards and all accounts myself due to the unprofessional nature of Navy Federal. It has been 4 months without any updates of any kind pertaining to my accounts. My credit score has decreased and loan companies that would pull from my navy federal have closed their doors to me due to not being able to debit my accounts. I operated my business 100 % through my business account and this caused huge problems from me that I am unable to recover from. I was told my credit cards were closed which caused negatives hits against my credit score. The damage is seemingly irreversible and never ending. The level of unprofessionalism is unreal and I can not believe that such a reputable credit union would conduct business in such a way towards its own customers.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian has my credit card debt much higher than what it is. XXXX   and XXXX XXXX also has my credit card debt higher than what it should be. These Three companies all have me with late payments to my mortgage company which I am not late or have I ever been late in the last six months.
Consumer complaint received 2021-03-16
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 — Was not notified of investigation status or results
Company: Self Financial Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.