davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-06
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: EQUIFAX, INC. (NY)

I`m not sure about exact dates unfortunately but I have tried to contact Equifax many times about this problem. I tried to get a home loan about a year ago, the bank associate printed out my credit report and explained to me that there was an error on my credit report and I couldn't complete the loan without the credit number. 

I then tried to contact Equifax directly and explain the problem, they never once explained to me what was wrong with my credit score and or how to solve it. They would tell me to submit proof of documentation never explaining why they needed it. Then would tell me that it would take about 30 business days to verify it and they would then send me a letter. They sent me a letter that they received it and then that they needed to review the documents. I waited for many weeks in between each interaction and they would just ask for the same documents or and then the other credit reports from XXXX and XXXX and still never explained anything. I`m not sure what to do I'm not sure what is wrong with my credit report and they will tell me nothing.
Consumer complaint received 2019-12-29
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. (PA)

In XX/XX/XXXX and XX/XX/2019 I submitted disputes with XXXX  and Experian for them to provide me with verification documents or delete fraudulent accounts being reported to my credit profile from a credit union named XXXX XXXX XXXX. Neither company has provided me with any documents and are continuously reporting inaccurate accounts to my credit profile limiting my ability to use credit. XXXX  is not reporting these inaccurate accounts. Both companies are in violation reporting these accounts. Both companies report different high balances, balances, date opened and payment statuses. These companies are also reporting that I have a outstanding balance with a credit union named XXXX and XXXX. Both of the accounts are being reported in violation. I disputed these accounts asking for original documents with my signature and I have not received it. XXXX is reporting a fraudulent XXXX account that is in violation also.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (NY)

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : SANTANDER XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.
Consumer complaint received 2022-12-27
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. (MI)

XXXX XXXX  reported a charged off credit card in my name on XX/XX/XXXX and continued reporting this charge off every month until XX/XX/XXXX. For those months XXXX XXXX  reported the identical information, in other words there were no updates. Yet XXXX XXXX  continued to provide updates of the identical information every month for those 6 years to the credit bureaus XXXX, XXXX and Equifax. 
I have two questions ; Question 1 : Why did XXXX XXXX  continue to update this charge off from XX/XX/XXXX through XX/XX/XXXX with the identical information, there was no updated information to provide. 

Question 2 : Why did XXXX XXXX  stop reporting this account in XX/XX/XXXX. 

I believe the reporting of identical information although there was no need to do so, was to cause me more harm knowing that the FICO algorithm would score each update of the Charge off as a recent charge off. In other words XXXX XXXX  is aware that updating a charge off from XXXX in XXXX the FICO algorithm will score that as a charge off for XXXX. Causing serious harm to my credit score.
Consumer complaint received 2020-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

PHH Mortgage Customer Service - XXXX Hello I have loan with them for my condo. They never notified me that my HO6 insurance was expired. 15 months later they sent me a bill around XXXX . They did not listen my complains that they never mailed or notified me about HO6 COVERAGE. They charged us for last year coverage which insurance never taken place. They are corrupt and unprofessional company. I tried to call them many times they were not interested my complains at all.
Consumer complaint received 2019-12-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (DC)

Suntrust sent me an email on XX/XX/19 recommending ways to mitigate loss. I replied to them multiple times via a phone call to XXXX XXXX, emails to him between twice between XX/XX/XXXX-XX/XX/19. 

I accepted the offer to file a collated mortgage assistance application. 

XXXX and nobody in SunTrust has replied with the application documents, any ways to download the documents, no documents via email or anything. 

SunTrust is trying to take my poetry and assist selling it to some white folks for gentrification. 

I can't get no replies from them. Help me.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2024-04-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: T.S. Holdings (CA)

On my Credit Report for XXXX XXXX it states I have a balance in collections with ( IQ data international for {$4700.00} ). Ive called disputed and ask XXXX to remove the debt from my report or to show proof that I have debt with this company. I explained to transunion that this company ( IQ data international ) is not shown on my XXXX report, or my XXXX Report, and asked that it be removed from my transunion report immediately. I also asked them could the company verify the debt or show proof of the debt. XXXX told me the company did not show proof of the debt, and the company did not send any supporting documents. But yet they still have not removed it off of my credit report.
Consumer complaint received 2022-12-27
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. (OH)

XXXX, XXXX and Experian are all reporting bankruptcy information that was obtained fraudulently and is also inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was filed XX/XX/XXXX, the date paid was XX/XX/XXXX, it was obtained illegally and I demand to have it removed from my credit report, and # XXXX was filed XX/XX/XXXX, the date paid was XX/XX/XXXX, this information was also obtained illegally and I demand to have it removed from my credit report.
Consumer complaint received 2022-12-27
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: EQUIFAX, INC. (OH)

XXXX, Equifax and XXXX are all reporting bankruptcy information that was obtained fraudulently and is also inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was filed XX/XX/XXXX, the date paid was XX/XX/XXXX, it was obtained illegally and I demand to have it removed from my credit report, and # XXXX was filed XX/XX/XXXX, the date paid was XX/XX/XXXX, this information was also obtained illegally and I demand to have it removed from my credit report.
Consumer complaint received 2022-12-27
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)

CFPB + Transunion, The companies below have many inaccuracies on my Transunion credit report : - XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Attached to this complaint are : - My drivers license - My social security card - My mailing address - My dispute letter I am looking to have these credit accounts removed from my Transunion credit report for many blatant inaccuracies they refuse to fix.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (IL)

I have a mortgage loan from UNTD WHL MTG, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called UNTD WHL MTG and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and UNTD WHL MTG with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Consumer complaint received 2022-02-19
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: I.C. System, Inc. (OH)

On XX/XX/2020, I C SYSTEM added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, I C SYSTEM has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!
Consumer complaint received 2024-04-10
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MI)

I had a account with ROAMANS through Comenty Bank for 2 to 3 years. A representative called me on XX/XX/XXXX for a payment. The representative asked me if I would like to pay the account in full and I said yes. I made a payment of {$67.00} which was the total amount owed. A final letter was sent out to me on XX/XX/XXXX, stating that if I have paid the account in full with one transaction that the fee would be included. I heard nothing from them in XXXX or XXXX about any extra fees or late charges. I recently heard from them in XXXX of XXXX. The first time we spoke the representative told me it was for late fees. I called a spoke with another representative about 2 weeks later, after I found the letter and was told the payment was for interest. What I know about Comenty bank is if you are more than one day late with a payment, they will call continuously, 2 to 4 times a day. Which is why I '' m not understanding why it took them over 4 months to contact me with this issue. Also why would they send me a final letter when there was no correspondence in the years I had an account with them before this.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

Experian reported a Bankruptcy on my credit report they said was verified by XXXX. 
I contacted XXXX that said they have no such information. Please have Experian remove this information.
Consumer complaint received 2020-01-06
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company (VA)

I have tried to rectify an issue with Freedom Mortgage on several occasions. I am XXXX XXXX military and frequently travel outside of the US in completion of my duties. I am often difficult to get in contact with and often have a delayed response to inquiries. On XXXX19 I called Freedom Mortgage in response to a letter I received to ensure my account was up to date and there were no issues. During the XXXX19 call I initiated I asked if 1 ) my account was current 2 ) did I owe any monies ( fees, late charges, etc. ) 3 ) why there was an increase to my payment and what was the new payment. The individual on the phone was very helpful, albeit a bit rushed, and assured me there were no issue with my account. They relayed to me that : 1 ) My account was current.

2 ) The difference in the new and old payment amounted to {$46.00}, there were no late fees or additional charges because it fell below the {$50.00} threshold and since I am XXXX XXXX military there would be no further assessed fees. I would also pay the {$46.00} in addition to my scheduled payment in my XXXX19 payment. The individual assured me that was fine. 
3 ) They could not provide an explanation of the approximately {$13.00} per month increase, but they assured me it was common and a minor amount that would fluctuate. I thought this strange and asked them to ensure this was not an ARM loan. They stated it was not and the new payment would be {$1400.00}. I informed him I would make the changes to my direct deposit and that it will take effect on the very next payment of XXXX19. Again, they stated that was fine and there was not a problem. 

Unfortunately, there did appear to be a problem. I was informed through a credit monitoring account there was an issue with my credit rating due to this matter. I immediately called the customer service line and was told, although there were no additional fees and the lapse between old and new payments was under the {$50.00} threshold, I was 'turned in ' and would have to write you in order to rectify the matter. I am hoping this will clear up any misunderstanding and that Freedom Mortgage will make the necessary corrections with the Credit Bureau. Please let me know if there is any additional information I can provide. Thanks.
Consumer complaint received 2022-12-27
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. (MI)

In XX/XX/2022, I discovered information on my credit report was still reporting incorrectly. I contacted Equifax credit Bureau via telephone, Internet, and mail. Via telephone I was informed that I had to send information from the alleged creditor and a police report. I already had a police report concerning this fraudulent activity, but I was waiting on the letters from the creditors. On the XXXX of XX/XX/2022 I uploaded the needed information on Equifax dispute website. I also mailed a certified letter to Equifax credit Bureau on the XXXX of XX/XX/2022. The following information was uploaded and mailed to Equifax Credit Bureau : Michigan drivers license Social Security card letter stating what fraudulent information needed to be removed letters from the companies stating the information were incorrect updated credit report from Equifax showing fraudulent activity Also, I sent the same information to the other major credit bureaus. The other major credit bureaus once receiving my information, remove the fraudulent information. On the XXXX of XX/XX/2022 I contacted Equifax credit Bureau again concerning the fraudulent activities on my credit report. There was no positive outcome. It appears to me the representative was attempting to not correct my credit report and make many unfounded excuses.
Consumer complaint received 2023-03-15
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

I have been under constant duress from continuous harassment from PHH Mortgage, beginning in XX/XX/2022, after my husbands passing, up until now. 

I am now in receipt of yet another Certificate of Occupancy that I have been requested to complete, sign, and return to verify that I continue to occupy XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, VA XXXX, as my principal residence. I have been requested to sign and complete this form from PHH Mortgage at least 3-4 times a year. Upon contacting HUD, I was informed that completion of this form should only be required ONCE a year. The last Certificate of Occupancy form was completed and returned to PHH Mortgage in XXXX, XXXX, with acknowledgement of receipt in XX/XX/2022. 

Is it necessary and PHH 's intention to send this form for completion every quarter, with threats of foreclosure ( every quarter ) if it's not completed and returned?
Consumer complaint received 2020-01-06
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Caneel Capital, LLC (OH)

To whom this may concern. i received a letter from Trinity Financial Services to let me know that they had taken over my loan from XXXX XXXX XXXX XXXX XXXX effective XX/XX/XXXX. Trinity said that they would be sending me my billing statement a new account number along with current loan balance and next payment due. The date on this letter was XX/XX/XXXX. The letter stated that I owed {$49000.00}. The monthly interest rate is 0.06000 and the next due is XX/XX/XXXX. This is not true and I have never heard of Trinity Financial Services before. I tried to contact this company and it kept going into a voice mail that did not sound right. I was then contacted by an attorney named XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This letter came from XXXX XXXX 6 days after I received the letter from Trinity Financial stating that i must bring my loan current within 30 days from the date of this letter or they will start foreclosure. I was not sure if this was a scam. I went to the bank where my loan was taken over by XXXX because my original loan was with XXXX XXXX XXXX in XXXX and they closed so XXXX had the information. XXXX said the second mortgage was charged off and they had no records of what the amount, payments or interest rate was. XXXX did tell me that this is a non performing loan. I felt very threatened by this company and there attorney. I received a foreclosure notice with the courts that they filed against me. I am XXXX and can not afford an attorney so i answered the attorney and Trinity Financial and the courts within 28 days and I ask for the original paperwork from my loan.I sent this on XX/XX/XXXX and I have not heard back from them. I have looked them up on the internet and it looks like they have had multiple violations with different states. I am not sure if what they are trying to do is legal or if they have a license to take over my loan in ohio.They don't have the correct information on my loan.I feel like this is a total scam and I don't know what to do about it. The letter that I received from there attorney was very threatening.I don't want to lose my house. I am current on the first mortgage and taxes and insurance.I don't know how legal this is or how legal this company is but it looks like they are fined alot of money from trying to do business in different states illegally. Please take a look at my case and help me. 
My name is XXXX XXXX XXXX. XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX, Oh XXXX XXXX
Consumer complaint received 2023-05-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I have called or chatted ( on the Mohela website chat feature ) with Mohela on numerous occasions regarding my payment tracker. There have been various issues but currently, and for the past few months, the issue is that my payment count is missing almost three years of payments. I keep asking them about these missing years and they keep telling me they can not check the status and that I need to wait 90 business days. Every time I speak or chat online they say wait 90 business days. It's well past 90 business days and almost three years are still missing from my payment trackers. The time that is missing is XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2019-11-20
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

When I tried to check for any discrepancies in the Bank of America credit card account. 

The actual balance as per XXXX XXXX statement is XXXX but I notice an extra amount of {$1.00} when I calculate difference between all purchases and all payments. 

I am attaching the spread sheet that explains the discrepancy.