davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In the past, I've had several student loans from the US Dept of Education from XXXX. Over time my student loans have been transferred to XXXX, XXXX, and XXXX. I am currently consolidated with XXXX, and the previous loan servicers XXXX and XXXX are reporting my loans with the correct status, which is paid in full consolidated. US Dept of Education is reporting my student loan as Paid/collections, and this is simply incorrect. I have not done business with this loan servicer in over a decade, and this incorrect information prevents me from purchasing a home. I have spoken with two customer service representatives from the US Dept of Education and a supervisor resulting in no resolution.
Consumer complaint received 2021-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (CA)

Refinanced a property-XXXX XXXX XXXX XXXX XXXX NV XXXX, first payment due XXXX to Plaza Home Mortgage ( XXXX XXXX. XXXX Payment made, on time. Received a letter dated XX/XX/XXXX from XXXX XXXX XXXX stating they had purchased my loan effective XX/XX/XXXX, and all payments should be made to them as of that date. I called Plaza and was told that the transfer was not complete, but should be in effect XX/XX/XXXX. I paid XXXX XXXX. on XX/XX/XXXX. I received a delinquent notice from Plaza dated XX/XX/XXXX with late charges, as well as several calls from their collection dept. I called them and was told it was still in the process of being transferred, ( per XXXX, a supervisor - on XX/XX/XXXX ) but they would get it straightened out. I made another payment on XX/XX/XXXX to XXXX. On XX/XX/XXXX, I received a letter from Plaza-Notice of Servicing Transfer- stating that effective XX/XX/XXXX all payments should be sent to XXXX  ( which XXXX XXXX a part of ), but a different address from XXXX XXXX address. I called XXXX and spoke with XXXX who assured me they have my loan servicing. I called Plaza, spoke with XXXX, a supervisor, who was not helpful at all and basically told me to make the payments ( that I had already paid to XXXX ) again to Plaza. I just received yesterday, XX/XX/XXXX, a mortgage statement from Plaza showing I now owe them {$4200.00}, and no mention of any transfer. I have a payment due on XXXX XXXX, XXXX, and at this point I am really not sure who to pay. I can not pay two companies for the same mortgage, and neither seems to want to correct this problem.
Consumer complaint received 2021-08-11
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: Experian Information Solutions Inc. (FL)

XXXX XXXX ( " XXXX '' ) Credit placed a hard inquiry on my crdit report. The inquiry is reflected on my credit report with at least 3 major CRAs. I requested that XXXX  provide me strict proof, including a signed contract, via U.S. certified mail. I requested a reasonable review within 30 days upon receipt of my debt validation letter. I have not received a certified response from XXXX. The hard inquiry has not been removed within 15 days of my letter.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have filed multiple disputes with Equifax, in regards to a company name XXXX XXXX I have asked Equifax to provide me original documentation that this debt is owed by me, Equifax has never provided with me that information but has deemed this account as verified. That leads me to believe Equifax conducted improper investigation, they couldnt even provide me with their reasoning that would solidify that account being verified. I have NEVER did business with this company nor is this debt owed by me, this account is affecting my day to day life.
Consumer complaint received 2021-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (KS)

Starting XX/XX/2021 case number XXXX i email Credit karma @ XXXX this case was regarding the deactivation of my debit card there was no explanation given. On XX/XX/2021 my spend account and savings account was randomly closed with no explanation I was told credit karma has the right to close accounts on their discretion XX/XX/2021. On XX/XX/2021 case number # XXXX i was completely locked out of my credit karma account with no explanation provided as to why. I have made several attempts to resolve thee issue with no sufficient explanation. I contacted a lawyer and out lawyer sent credit karma a letter to resolve the above said matters on XX/XX/2021 after our attorney followed up with us to inform us XXXX XXXX has not followed up with XXXX  ; XXXX XXXX XXXX, XXXX, and me we are seeking your help in making attempts to provide aid in assisting US in the above said matter.
Consumer complaint received 2021-07-27
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: FIRST NATIONAL BANK OF OMAHA (IL)

XX/XX/2019 a account opened with my information at FNB OMAHA. This is identity fraud and I did not do this. The limit on it was {$1500.00} and was used past the limit and was being paid over 30 days late. I can not get a hold of the company and would like help.
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I need help ... I disputed these accounts several time and not one since credit bureau is responding to my dispute request .... I want these negative items deleted immediately. 

XXXX XXXX XXXX XXXXXXXXXXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXXXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX no knowledge of account. If unproven, unverified, or non-compliant, Demand deletion immediately. 
XXXX XXXXXXXXXXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TEXAS XXXX XXXX XX/XX/1979
Consumer complaint received 2021-08-11
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (NC)

Mortgage lender is ignoring request for re-appraisal of house to remove PMI. House values have significantly increased and re-appraisal would most likely cause for the removal of PMI due to the higher appraised value. Made our initial request on XX/XX/XXXX to order a new appraisal. The task to order a new appraisal is approximately 10 minutes ... nothing significant is required other than actually DOING IT!

The mortgage lender is intentionally prolonging / avoiding the request in hopes that house values may drop back down in order to avoid removing PMI.
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

I am reaching out to challenge the presence of the bankruptcy entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this bankruptcy should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.
Consumer complaint received 2024-02-05
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. (AL)

Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies. 

You are required to take these inquiries and deleted accounts off my credit is making me not eligible to get a house or a new car.. 

The following inquiries are.. 
XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies.

You are required to take this derogatory account off my credit because it is enabling to get a house or a new car.. 

The following inquiries are.. 

XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Charge Card XXXX  XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with WAKEFIELD plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (TX)

Central Portfolio Control is illegally trying to collect on a debt that is NOT mine. It was originally through XXXX XXXX XXXX who was previously notified of the debt not being mine and they could not verify the debt to which they removed it from my credit reports XXXX closed on XXXX  and I will a separate complaint about that ) and stopped trying to collect on it. 

Now XXXX XXXX XXXX has apparently sold it to Central Portfolio Control. This has been an ongoing issue for over 12 years of multiple collection agencies selling it to another agency and then the new agency will try to add it to my credit report as a " new debt ''. I have never had a XXXX XXXX 's card and do not ever get store cards. 

They don't have a single original contract from XXXX XXXX with my signature on it or anything of the sort as I never had it. 12 years of seeing this constantly pop up with random letters from various collection agencies trying to collect on a debt that can not be verified as it is NOT mine and has passed the statue of limitations The letter that Central Portfolio Control clearly marks that XXXX XXXX XXXX is the current creditor and that the original creditor is XXXX XXXX XXXX. That in itself is so far removed. I am sick of it!
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX is in violation of my privacy rights under HIPPA Law. I have continuously asked XXXX XXXX XXXX XXXX to provide me with a signed HIPPA release and they have continuously avoided my request but have sent private information about my injury and procedure. These accounts need to be removed from my credit file immediately
Consumer complaint received 2021-08-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Contacted Chase bank after noticing I was charged twice for a XXXX ride on my XXXX XXXX card and on my Chase debit. I was told by a rep. to walk into my local branch with the proof of print out from XXXX. I get there, I'm treated like criminal, I was refused from making a deposit and I was told by management after requesting for a manager that there no way she can contact the dispute unit. I was then asked for my debit card, ID. I was laughed at by bank employees. I knew she was lying, I was just being rejected for services because the bank assumed was lying or something .I had to deposit my money at the ATM because all the bank employees was in a group as if i'm an criminal.I was just released from the hospital for XXXX and XXXX, I'm taking XXXX. You know how embarrassing it is to be denied help and to stand there and have a ***** break down in front of strangers over {$16.00} overcharge by someone else on my account. Chase discriminated against all the time denied credit by Chase for no reason, all my bills are paid thru Chase. All my income is trusted with Chase but I'm not a good enough for equal services. I was denied by Chase for a XXXX card under XXXX XXXX and still don't know why. I know why because I'm XXXX!! I being XXXX!
Consumer complaint received 2021-08-11
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: Shellpoint Partners, LLC (CA)

I have been trying to work out a forbearance agreement with my lender, Shellpoint Mortgage servicing since XX/XX/XXXX due to Covid 19related job loss and financial hardships directly due to Covid 19. The lender has stalled during the whole process with requests for documentation, and denials for assistance for over a 15 month period. They have finally agreed to a loan modification with extremely higher rate and terms and have reported my loan late several times over from XXXX to XXXX. I have requested verification from dispute thru credit agencies and not resolved. I have contacted lender direct and they have updated credit report showing loan is even later than 180 days on 5 occasions! I would like to file a complaint formally with a state agency or get this resolved so i can get a new loan and refinance this lender out! 
Please help
Consumer complaint received 2021-08-11
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Whom this may concern I have been writing, calling and crying about these so called late payments! I keep getting letters saying that its not my sending these request. I have sent my passport. my id, XXXX bill and my ssn card at this point someone can take my identity. I have asked all of the bureau 's and the department of education to provide proof of me ever being late. Please remove all late payments and change the payment status to current because of the Cares Act for my prior request has falling on death ear and this is a violation that no one seems to care about but me ...
Consumer complaint received 2021-08-11
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. (OH)

This is my second dispute it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for an account with the following : XXXX XXXX XXXX XXXX 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 2021-08-11
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: EQUIFAX, INC. (FL)

to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXXY XX/XX/2019 for XXXX, XXXX XXXXXXXX XXXX, INC.ON XXXX XXXX FOR {$1700.00} THIS IS A HIPPA VIOLATION, I HAVE NOT GAVE THIS COMPANY TO RELEASE MY PERSONAL INFORMATION ... BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX XXXX  AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter
Consumer complaint received 2017-11-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC (OH)

I attempted to get a home loan with Homeside Financial. a  company located in XXXX, Ohio. In process of credit background checking this company Hard Checked my credit XXXX times. All individual hard credit checks. and destroyed my credit forcing me to get an FHA loan from another company.
Consumer complaint received 2021-08-11
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. (MI)

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} This account was opened fraudulently and I have contacted the company as well Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All these inquiries are fraudulent and unauthorized
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I have three mortgages with Mr. Cooper / Nationstar. When I make my payments I mail a payment coupon and a corresponding check with the account number clearly written in the memo section of my check. I submit all three checks in the same envelope. Because Mr. Cooper / Nationstar Mortgage has such poor accounting practices they misapplied one of my mortgage payments. They credited one account twice and neglected to apply a payment to one of my other accounts. Now they are saying I am in default and have blemished my credit with multiple 30 day late payment reportings. 

I contacted Mr. Cooper / Nationstar Mortgage and the service representative told me I needed to submit my payments in separate envelopes in the future and there was nothing they could do about my past payments and demanded I make additional payments to bring the account current or they were going to foreclose on me. Then hung up on me.
Consumer complaint received 2023-03-16
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MD)

Demand statutory compensation of {$1000.00} and deletion of accounts on my consumer report file Lexis Nexis has violated 15usc1681c2 Information resulting from identity theft Consumer agency shall block any alleged information from identity theft within 4 businesses days Lexis Nexis has failed to do so therefore I am requesting statutory compensation of {$1000.00} and deletion of the following accounts on my consumer report file XXXX XXXX Accounts XXXX Open XX/XX/XXXX Accounts Bankruptcy Filing XX/XX/XXXX XXXX  XXXX Bankruptcy Filing XX/XX/XXXX XXXX  XXXX Bankruptcy Filing XX/XX/XXXX XXXX  XXXX Bankruptcy Filing XX/XX/XXXX XXXX  XXXX Bankruptcy Filing XX/XX/XXXX XXXX  XXXX Bankruptcy filing XX/XX/XXXX XXXX XXXX Bankruptcy filing XX/XX/XXXX XXXX  XXXX Bankruptcy filing XX/XX/XXXX XXXX  XXXX
Consumer complaint received 2021-08-11
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. (CA)

I have disputed a charge that was paid off months ago several times through Experian and directly with XXXX XXXX XXXX. I have uploaded the letter from the law firm XXXX hired to collect the debt ( XXXX XXXX XXXX ) confirming the debt was paid in full, copies of the check and bank statements and they still have denied my disputes and will not update.
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

PayPal Credit Billing Falsely : {$660.00} as of XX/XX/XXXX Ticktet Number : XXXX Has been contacted multiple times each time they deny dispute and continue billing me. 

Has been called by phone with me and the Merchant, on XX/XX/XXXX. Paypal was advised by XXXX XXXX at XXXX XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX, that the charges are false and the money is not owed. ( Paypal is billing for two add'l sessions -- not owed XXXX Paypal insisted it was owed because XXXX  Billed them. XXXX has been contacted twice and denies billing Paypal in the Amount of {$660.00}. Ticket number XXXX. I can furnish proof. 

I am tired of fighting yesterday marked the Fifth month of this abuse, when I call, I get transfered around and told that because the amount appears on their billing statement I must therefore owe. But they can not provide or furnish me any additional proof that they ( PayPal Credit aka Synchrony Bank ) were ever biillled that amount.