davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-13
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. (UT)

Experian continues to have inaccurate information on my credit report I cant get updated. They are showing I have 2 collections on my credit. I have zero. They are showing a balance on XXXX XXXX- that account has XXXX balance as of 2 years ago. They are showing balance on XXXX- that account was paid off last year. They shoe XXXX XXXX XXXX on XXXX XXXX XXXX- that account was paid off 2 yrs ago, they show a balance on XXXX  XXXX- account paid off 2 yrs ago. They are showing a high ; incorrect balance on XXXX. Since Experian is set up to not be consumer friendly its hard to stay aware of the issues they present. They also have my name as XXXX XXXX XXXX. That doesnt even make sense and I can assure you I have never tried to go by that name
Consumer complaint received 2022-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., XXXXXXXX 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 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 2020-02-27
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. (TN)

Ive been pretty consistent with paying my bills on time. Im saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see some items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I am doing this on my own and I have also contacted my police here and the FTC.
Consumer complaint received 2020-02-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CO)

Recieved letter from BSI Financial dated XX/XX/XXXX stating my flood insurance amount {$100000.00} does not meet the requirements of the company. they acquired the loan on XX/XX/XXXX from XXXX XXXX.. the mortgage amount is approx {$96000.00}. I called FEMA they give me the regulation that the minimum amount of flood insurance is the lesser of the value of the house or the mortgage or the value of the property. clearly would be the {$100000.00}. BSI told me they could care less about the minimum, they require the maximum {$250000.00}. To me this is clearly an overreach by BSI Financial and not good business practice.and will cost me a lot of extra money each and every year. We have lived in this house 27 years and have never had any flood problems.Was placed in the flood plan in XXXX when FEMA needed a lot more property to pay for national coverage I have talked to BSI 3 times and have got the same response and attitude each time.BSI Financial stated that if I didn't get additional coverage within 45 days they have a plan in place to charge me {$750.00} per year for the additional coverage. Please look at this business practice of over requirement on flood insurance. Thank you XXXX
Consumer complaint received 2023-07-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MI)

Attempted to purchase XXXXXXXX XXXX, as my insurance doesn't cover it fully. Found " XXXX  '' & sent them two separate payments via Zelle ( {$500.00} on XX/XX/XXXX and {$210.00} on XX/XX/XXXX, totalling {$710.00} ). Never received a confirmation of payment or order confirmation. Sent customer service email on XXXX regarding order, no response. Also, tried several times to " chat '' with a " representative '' online. I no longer have that option - - chat box is gone. 
Emailed Zelle twice ( XXXX and XX/XX/XXXX ) and called Zelle customer service on XX/XX/XXXX without any real answers. Zelle just tells me they'll " investigate the situation. '' When I got no where with Zelle or the seller themselves, I filed a complaint with the California Attorney General as well as attempted to file a dispute with my credit union XXXX XXXX XXXXXXXX XXXX XXXX As of XX/XX/XXXX, at the time of this complaint, I have gotten no where as well as no news on a refund.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my multiple 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 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
Consumer complaint received 2020-02-27
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. (TN)

Ive been pretty consistent with paying my bills on time. Im saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see some items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I am doing this on my own and I have also contacted my police here and the FTC.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (FL)

I Had intentions of paying the balance but having placed on my credit profile without contact is unprofessional. Furthermore a representative informing me that this could negatively impact my credit isnt within the guidelines for a creditor/debt collector to discuss with a customer.
Consumer complaint received 2020-02-27
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. (FL)

XXXX, Transunion, and XXXX  are all reporting an account that is incorrect and has been for afew years now.. They all refuse to provide proof the account is mine and was 30 days late. the account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone XXXX account # XXXX They are reporting 30days late on XX/XX/XXXX.. When contacting XXXX they have no record of this account. also number listed above as a contact is disconnected. 
I have disputed this account on XX/XX/XXXX and XX/XX/XXXX and once again the didn't do anything or provide any proof this account is accurate.. I now am demanding all three credit bureaus remove this account unless they can provide written proof this account is mine and I was in fact late. Otherwise I will be forced to pursue further legal action since this account negatively affects me getting another house.
Consumer complaint received 2020-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

Today we had a scheduled appointment that we made on Tuesday, with PHH Mortgage today XX/XX/XXXX @ XXXX. They did not keep the appointment, they did not call us concerning the account status, we have been trying to workout a solution with PHH. 
When we called PHH after they did not call us we called PHH and the first person we spoke to after the verification the computer froze and then they passed the call to another person. This person tried I was put on hold at least 6 times and each time he came back with no information. We are very nervous because the homeowner is a senior citizen in her XXXX 's and the sale date is XX/XX/XXXX. Then we asked about the person who was assigned to this file and why we did not receive a call for the scheduled appointment, then the agent stated that they called but no one answered, not true, we waited with the phone line clear for the call. Since the Customer Relationship Manager for the file did not call and was not available why was no one else in the entire company of PHH, able to talk to us and give us some information on the file. The answer was no one could discuss the account except the assigned Customer Relationship Manager. We have tried all day and still no one can give us any information with a pending sale date for XX/XX/XXXX. 

I asked for the supervisor and they could not get me the Supervisor for the Customer Relationship Manger assigned to the account. In other words PHH has refused to cooperate or give us any information about the account. 
Please help
Consumer complaint received 2020-02-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (OK)

My mortgage expert told me to file a complaint with the CFPB because they will not give me a specific person who handles my account and they keep asking for the same information over and over again so they can stall and take my home from me. 

Midland Mortgage, XXXX XXXX XXXX XXXX OK XXXX Loan # XXXX
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

Experian is refusing to unfreeze my credit report. When I contact them they state I need a pin number but won't tell me how to get the pin number. When I asked them who I would file a complaint with they just hung up on me. This happened repeatedly.
Consumer complaint received 2020-02-27
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. (TN)

Ive been pretty consistent with paying my bills on time. Im saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see some items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I am doing this on my own and I have also contacted my police here and the FTC.
Consumer complaint received 2022-11-09
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. (AR)

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. 

Account name : Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 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 instruction 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 2022-11-09
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. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-02-27
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: Experian Information Solutions Inc. (FL)

Experian, XXXX, and XXXX  are all reporting an account that is incorrect and has been for afew years now.. They all refuse to provide proof the account is mine and was 30 days late. the account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone XXXX account # XXXX They are reporting 30days late on XX/XX/XXXX.. When contacting XXXX they have no record of this account. also number listed above as a contact is disconnected. 
I have disputed this account on XX/XX/XXXX and XX/XX/XXXX and once again the didn't do anything or provide any proof this account is accurate.. I now am demanding all three credit bureaus remove this account unless they can provide written proof this account is mine and I was in fact late. Otherwise I will be forced to pursue further legal action since this account negatively affects me getting another house.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (WA)

Deposited funds of {$1000.00} to robinhood brokerage around XX/XX/23. Decided to not use robinhood and withdraw funds back to XXXX  account. Have contacted customer support several times with resulting in email contact only and continuing to ask for increasingly sensitive information in order to have funds returned.
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2020-02-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (IL)

In XX/XX/XXXX I got laid off from my job that I had been working at for 18 years, I called my Mortgage Company which is M & T bank and notified them of this and they told they would send me out a modification package. I called a company that deals with FHA housing to help that I got from M & T bank and I started the modifications packet through the hardship housing company called the Neighborhood Project Foreclosure Prevention Program , M & T bank would not let this the company come in and help they kept stating that they wasnt getting the authorization form from the company and it had been faxed to them 4 times with a confirmation saying that it was received by M & T bank. So I had continuously to keep working with them giving them every form or information they needed from. Than they sends me a denial letter stating that Im not enough months behind on my Mortgage so they cant approve my modification I applied for. I was told this over the phone as well on XX/XX/2020 with a manager in the mortgage department. This makes no sense to me that you would deny someone who has got laid off from work and only owes XXXX on there house and only have 2 plus years left to pay. Why would you deny anyone whos asking for help while there in a crises. They put it of on FHA saying it was FHA that denied the modification because I wasnt enough months behind on my Mortgage. I dont know what is the truth at this point. This is the far most worse Mortgaging Company I have ever seen and I owned a house before I became home owner of this house. I wish I can just get some type of help. I dont wan na loose my home. This company doesnt care. All they do is be very rude with you and have no compassion for homeowners. Why would you deny someone of a home modification because their not enough months behind M & T bank?
Consumer complaint received 2020-02-27
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (CA)

I attended and graduated from the school in XX/XX/XXXX. I have nothing against the intructors or the corriculum, just against the false pay after graduation and the high interest loans that were so easy to get and required.

My personal problem was that i was an addict and did not touch these loans for almost a decade. Since getting into programs and getting back into society for 2 years i have made it my primary goal to pay debt and get credit and savings to the point of being able to afford to buy a home for my XXXX year old boy and i to call home. 
After contacting my creditor Naviant i was put on a year long probation period by making monthly payments of low cost but impact on principal or interest to my federal loans ( roughly {$16000.00} from original $ XXXX-mostly private ). 1 year later i am thinking that my getting back on track on my federal but Naviant calls and says that they accidently forwarded my payment to my private loans. What?? I thought Naviant was only working my federal. so apparently the fixed the problem and i was back on track. Now I was told that I had to start chipping away at my Private loans which was another 3rd party ( XXXX XXXX XXXX  ). 
Long story short, they Like Naviant said they were very glad i was clean and they were excited to help me get back on feet with my credit. They even offered a settlement for my {$190000.00} debt ( originally XXXX ) for {$20000.00}, which i probably would of done if I could of found a buyer for my XXXX organs. Lucky me, I didn't. 
My interaction with XXXX XXXX XXXX  started this year in early XX/XX/XXXX and lucky for me this was when I also started school after 15 years of leaving college for this culinary school. This school ( XXXX XXXX XXXX XXXX ) i found out more about fixing credit. This is a non profit school where XXXX ( counselor ) took interest in my case since she new that XXXX XXXX XXXX had been closed in multiple states by Attorney Generals. Also the school had closed most of its schools around the world for only giving fraudulent loans and overselling the cost of school as well as making it almost impossible for repayment while working in the trade we were in debt for. 
After searching, we found out that the school had currently settled 2 years prior and agreed to repay loans and erase negative impact to credit bureaus.

I currently am still paying federal since it is now on my credit report and i still plan on buying a home. But I do not plan on doing the same mistake with my private loans even with all the calls they do since there are no signs of them in my credit report.

Well I hope i can get help, or at least direction of where I should go for help.

Thank you, Recovery
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AR)

These charges listed below on my bill have been contested : $ XXXX-charged on my debit card-never showed on the account.

$ XXXX-charged on my Lowes account-no explanation $ XXXX-added for my fence after it was in progress $ XXXX-my estimate for roofing materials-could be more, could be less {$1800.00} more or less is the amount I contested.

We talked with a manager right after the work was complete in XX/XX/2019 and I had questions about the charges and my roofing materials. I gave him pictures and detailed information. He said someone would be in contact with us soon. That never happened.

I paid everything else I owed in XX/XX/XXXX plus {$300.00} and sent in a complaint through Synchrony Bank. They said I needed to go to the store. That did not address my concerns as I had already notified the store Synchrony bank continued to add fees and interest throughout and reporting delinquency to credit reporting agencies in violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-02-27
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: Allied Collection Services, Inc. (Nevada) (CA)

XXXX reported my information for a fraudulent account to a credit collection agency without confirming that the account was valid. The information is now showing up on at least on credit reporting bureau. After contacting XXXX and confirming that they do not have any credible information on file including my social security number, they refuse to assist in contacting the collection agency or removing the information from my credit file. 

In XXXX of this year I noticed a derogatory reporting on my credit report from XXXX via a collection agency. After contacting XXXX and verifying that there is not an account that matches my information, they will not remove the information from my credit file.