davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP (CO)

To whom it may concern, Keybank consistently miss-applied my payments during 2021 resulting in negative credit reporting. The company does not allow automatic payments. Monthly payments were approximately {$270.00}. In lieu of automatic payments I paid Keybank {$2000.00} in XXXX to cover payments through XXXX, and another {$1000.00} in XXXX to cover payments through XXXX. Unfortunately, Keybank mis-applied the payments, then reported a 30-day late in XXXX and a 60-day late in XXXX. This is resulting in negative credit for me and an inability to refinance my mortgage. 

Will you please help me however possible? The goal is to remove the 60-day late. 

Thank you! 
XXXX
Consumer complaint received 2022-09-27
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}
Consumer complaint received 2017-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group (TX)

The aforementioned credit collection agency representing XXXX XXXX at XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX XXXX XXXX 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Phoenix Recovery Group does not have any documentation, they need to retract this from my credit file immediately.
Consumer complaint received 2015-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

MY MORTGAGE WAS SOLD FROM XXXX XXXX XXXX TO CARRINGTON MORTGAGE AND SINCE XXXX 2015 THEY HAVE SENT ME CERTIFIED LETTERS THREATENING TO FORECLOSE ON MY HOUSE BECAUSE THEY SAID I MISSED A PAYMENT WITH XXXX XXXX XXXX WHEN I HAVE PROOF FROM XXXX XXXX XXXX THAT I NEVER MISSED XXXX PAYMENT WITH THEM AND I ALSO HAVE PROOF THAT I HAVE NOT MISSED A PAYMENT WITH CARRINGTON EITHER. I HAVE CALLED SEVERAL TIMES AND EACH PERSON I SPEAK TO TELLS ME SOMETHING DIFFERENT. I ASKED TO SPEAK TO THE SUPERVISOR AND THEY ALWAYS SAY HE IS NOT IN AND THEY PUT ME THROUGH TO HIS VOICEMAIL AND HE NEVER RETURNS MY CALLS. THIS COMPANY IS VERY SHADY AND UNHELPFUL AND I DO N'T KNOW WHAT ELSE TO DO TO FIX THIS. I REALLY NEED HELP TO MAKE THIS RIGHT.
Consumer complaint received 2019-06-17
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)

this creditor has been posting my payments la e but i religiously paid on time. i have the receipts to prove this. They even report this account twice, which is unfair..Please take off XXXX XXXX XXXX , XXXX XXXX XXXX from my credit report.
Consumer complaint received 2017-11-09
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thunderbird Collection Specialists, Inc. (AZ)

Most recently, on XXXX I received a voice message to call XXXX at XXXX XXXX XXXX XXXX. She has called me before asking me to pay a medical collection. The collection has been disputed with all three credit reporting agencies and I have received a confirmation from XXXX XXXXhat is will be deleted. The collection is not accurate. I called XXXX back today XXXX at XXXX pm MST. I asked her to stop calling my phone number and confirmed my number with her. She stated they are not bound by any do not call regulations and that she would continue to call. I asked her for her name and the company she represents. She stated XXXX XXXX with the company name as Thunderbird Collection Service and address of XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX. The collection that was placed on my XXXX, disputed, and deleted was from this company. I asked her how she could say she is not bound by the FCRA or do not call when 'collection agency ' is in the name of her business. She again stated my number would not be removed and I would continue to be contacted. I advised her I would file a complaint with the CFPB. I appreciate your assistance in this matter.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (SC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-11-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (NY)

I assumed the mortgage account # XXXX with Ditech on XXXX XXXX, XXXX. The first payment was due on XXXX XXXX, XXXX. The underwriter suggested that I should wait few days, since the date due is too close to the closing date. I called to make the payment on XXXX XXXX. The representative told me that the payment of {$14000.00} plus was due on XXXX XXXX, and there is no other information available. He suggested to wait till XXXX XXXX. I did, and was told I was mistaken, and the payment was due on XXXX XXXX in the amount exceeding {$14000.00}. They could not find any assumption papers, and suggested to monitor account electronically. I did, and to this day nothing had changed. Even when I specifically pointed Ditech XXXX XXXX XXXX, XXXX # XXXX to page XXXX of XXXX, paragraph XXXX, Assumptions of original Terms, she said that she is looking at the page and sees XXXX XXXX, and accused me of lying. I never received the signed copy of the agreement from Ditech, as required by law, it was n't registered XXXX XXXX of XXXX as far as I could find out, and Transunion has no knowledge of mortgage in my name. However, I have the copy of the papers I signed.
Consumer complaint received 2022-05-25
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)

Experian has furnished a credit profile without my verbal or written consent! I have attempted to have this issue resolved several times over the last year and they either have no response or these inaccuracies come back verified which is impossible. I demand that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They can not produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) restricts this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. Again this is a violation of my rights to privacy. They also are allowing companies to pull this report without my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( 5 ) of this Title, a consumer reporting agency shall NOT furnish to ANY person a record of inquiries in connection with a credit or insurance transaction that is NOT initiated by a consumer ( ME ) At no point did I consent to these companies pulling a report. Please have the following information deleted and removed from my credit file within ( 4 ) business days and send me an updated copy of my credit report reflecting these changes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you so much for your time and attention to this matter.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

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.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AL)

I have had multiple fraudulent credit inquiries show up on my credit report as well as fraudulent accounts opened. I reported to the credit bureaus and initially a freeze was supposedly placed by all 3 bureaus. Then a fraud alert was placed by all 3 bureaus. However, each time I pull my credit report, more inquiries are flowing in and in excess. Any creditor is supposed to contact me personally if my credit is pulled and I have yet to receive a phone call from any of them. One credit report has 22 inquiries. One has a note stating to contact me but yet there are 9 inquiries in the last 3 months. My entire wallet was stolen and my social security card as well as my drivers license, checkbooks, credit cards, etc were all taken from me at gunpoint. That was 4 years ago and I have had issues since that incident.
Consumer complaint received 2017-11-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (IN)

Rash Cutis and Asso. contacted myself XXXX about a debt ; I stated my medical bills were paid when I moved from CA and never received a bill they are referencing. I told them to provide validation of the debt via mail and if it was valid, I would call them back to remediate. Until then, stop calling. The guy said he could email me the bill. I responded how can you securely email my bill if that is PHI data? He said it would be encrypted. I asked how? How can an email be encrypted if I do not have a copy of the public key? he had no answer. I told him he can not send me encrypted email without the recipient having the public key. I told him that he lied to me and attempted to deceive me and he apologized. I told him to ensure that I am not called since his approach lacks the ethos that is expected in the industry. He also told me if I give him my credit card info and pay, he would make sure it was " like it was never on my credit report since he had connections to do that ''. 

The following day, I have received five calls from robots ( no one there ) and disrupting my day. I am also receiving text messages when I never authorized texts and incurring cost. I called the number after the text and asked why am I receiving texts? I was told I should not be and that they have not validated the debt. I also asked why am I getting calls if I asked to be removed? XXXX said well it was my and implied the longer I wait that it will get worse.
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (IL)

Not working sick with XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit card companies harassing me nonstop calls. Sent letter by my power of attorney to negotiate debt, they dont want to work with me but keep calling non stop. I am sick!!!
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)

XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, 2022 XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022 XXXX XXXX Inquiry : XXXX. XXXX, 2022 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 I've reached out to the above companies. Today I reached out to Equifax about the unauthorized inquiries on my credit. I told them about Fair Credit Reporting Act and how unauthorized items on my credit must be removed. The customer service representative XXXX XXXX ) that I spoke to was unhelpful and unwilling to help me take of the negative inquires reporting on my credit report.
Consumer complaint received 2019-06-17
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. (HI)

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

My auto loan payment was due on XX/XX/XXXX. I missed that due date but ended up making my payment for the months of XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX in the amount of XXXX. I used the link provided on the website when I logged into my GM Financial account, selected payment option for electronic check, and submitted the payment. I received a confirmation from XXXX XXXX XXXX XXXX that my payment had bee submitted. A couple of months later while reviewing my credit reports, I noticed a major drop in my credit score and that the account had been reported as a 30 day late. I initiated a dispute because I believed my payment made it in time. The results of my dispute were not satisfactory to me. I left it alone and refinanced the loan with a different bank. Recently, I initiated the process of trying to obtain a home loan and the lender advised me that my GM account was an issue that needed to be resolved. I reached out to XXXX to request they remove the late and the response was once again negative. I still have the derogatory marks on my credit report stating I 'm late on payments which has decreased my credit score. This has caused me to get credit and loans over the past 2.5 years at higher interest rates than I would have if the information was accurate. I am getting the runaround from GM Financial and no resolution has been given.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc. (GA)

Back in XXXX, my original CashApp, XXXX XXXXXXXX, was closed for violating terms of service. I used both live chat and phone call support lines to attempt to resolve. Both support agents told me they had no additional information, and I would receive a follow-up call or email from the escalation team in order to attempt to recover my account. No follow-ups ever occurred. I made a new cashapp, XXXX XXXX, in XXXX. I have a CashApp card and I use it regularly. Today, XX/XX/2023, between me buying lunch at XXXX ( EST ) and attempting to add funds to make a purchase at XXXX XXXX XXXX XXXX, my account was once again arbitrarily closed with a generic response of youve violated the terms of service. After reviewing the terms of service again, I do not see where I violated the terms. I contacted live chat and phone support simultaneously. Live chat stated they escalated the issue once again. The phone support stated they could escalate the issue, but I explained the issue was never resolved with my previous account and asked them to please transfer me to a manager. I waited in hold, and they returned after an extended period of time to tell me that there was no manager available and I could continue to hold or I could allow them to email it. I confirmed my email, again lamented that no one ever followed up on my previous account, and allowed them to escalate the issue once more. CashApp is a convenient tool, one of which I enjoy using, but after having two accounts arbitrarily closed Im extremely disheartened. The support system and channels available are not conducive to an actual resolution.
Consumer complaint received 2023-10-16
Product: Credit reporting 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. (NY)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I HAVE BEEN TRYING TO FIX MY CREDIT WITH THE CREDIT BUREAUS FOR 4 MONTHS, I HAVE SENT DISPUTES TO EACH OF THEM TO UPDATE, CORRECT OR DELETE THE ACCOUNTS THAT ARE BEING INCORRECTLY REPORTED AND I HAVE NEVER RECEIVED ANY RESPONSE FROM THEM.
Consumer complaint received 2022-05-25
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.