davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Today ( XX/XX/2020 ) I tried to pay my mortgage online as every month. Our servicer was switched without our knowledge from XXXX XXXX XXXXXXXX to Specialized Loan Servicing. They failed to even notify us in time, there were several hick ups which I complained about before but those have been resolved. It is way too hard and COSTLY to make a payment over the phone and with any question about our foreberance plan we never wanted to be in ( we never missed a payment but can't reach anybody over the phone ), I tried to make a payment online. 
Paying online should not be hard. This awful company required me to change my password. After I changed the password, I was asked to verify my account with a code sent to my cellphone. After I changed my password, and verified the code, I was once more asked to verify yet another code. After that I was asked to write down a 16 digit code for future verification. By that time my blood pressure must have been through the roof. It should not have been this difficult and lengthy to make a payment. So I called them and hit # 4 for technical problems online to make a payment to find out why I had to change my password in the first place. Of course the person on the other line had a heavy foreign accent ( that was to be expected ). It is hard to believe what she told me : if I only log one once a month ( which is hard enough so I don't plan on logging into my account more than once a month ), I have to change my my password and go through the lengthy verification process every time. This is unacceptable. It seems like they want to make it as difficult to make a payment, as possible.
Consumer complaint received 2020-06-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

Dear CFPB, im writing to you because im very frustrated with my mortgage company it is now over 3 months since i reached out to them because my income changed drastically due to COVID-19. 
Now my mortgage company is telling me who is XXXX  XXXX  that i don't qualify because my investor feels that i don't deserve a loan modification because im not behind with my mortgage payments.
Consumer complaint received 2020-06-17
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2020-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (FL)

I am a victim of identity theft, as a result many accounts such has banks and credit cards were opened in my name. I have directly sent documentation as well as letters to this company and the credit bureau maintaining my financial information and the item is still being reported and even was sent to another company to collect on the account. This has adversely affected my credit rating. Notarized affidivats were mailed directly to the companies
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am victim of identity theft. I have contacted multiple bureas in regards to blocking my report to be pulled by companies without my approval. 
XXXX XXXX XXXX XXXXXXXX {$2100.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$3200.00} Have all been illegally attached to me. I am constantly harassed daily from companies about debt and accounts that I never legally authorized.
Consumer complaint received 2020-08-11
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXXXXXX {$85.00}
Consumer complaint received 2020-08-11
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: Experian Information Solutions Inc. (FL)

Experian is refusing to comply with FCRA and investigate fraud accounts that were opened without my knowledge or consent : 1. XXXX XXXX Account # XXXX 2. XXXX XXXX Account XXXX 3. XXXX XXXX Account XXXX Experian 's false claim that I did not authorize my own complaint is rediculous as I provided all required information including last 4 digits of my SSN, full name and date of birth AND attached an FTC identity fraud affidavit (!!! ). Please have Experian comply with the credit reporting law.
Consumer complaint received 2020-08-11
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. USDEPTED XXXX {$1700.00} USDEPTEDXXXX  {$2200.00} USDEPTED XXXX {$13000.00} USDEPTED XXXX {$6900.00}
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit as well as a spreadsheet for reference. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2020-06-08
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: DISCOVER BANK (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : DISCOVERBANK XXXX-XX/XX/XXXX, XXXX- XX/XX/XXXX, XX/XX/XXXX& XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (NY)

i keep getting debt collection notifications from American Coradius International about debt that does not belong to me from " Bill Me Later '' service through " XXXXXXXX XXXX ''. No additional info is given, no date of service, no explanation as to what this is. Calls to them just go to an automated service that isn't helpful and quite frankly i'm not even sure if this entire thing is legitimate or not.
Consumer complaint received 2020-08-11
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: SYNCHRONY FINANCIAL (NJ)

one of my store credit card decreased my credit limit from {$4000.00} to {$200.00} on a report from XXXX indicating 1. lack of XXXX XXXX secured loan information ; 2. too few Accounts Paid as Agreed ; 3. Too few accounts paid as agreed and 4. Delinquent or Derogatory status on Auto Accounts is too recent. I take issue with all XXXX as my XXXX card were all paid in a satisfactory matter as I was never late and 2. there were XXXX auto loans on my account and XXXX was paid off that was also NEVER LATE. In addition, by them decreasing my credit, my Score dropped XXXX points. I have never experienced a credit limit decrease. Something is not right here.
Consumer complaint received 2023-01-25
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: EQUIFAX, INC. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2021
Consumer complaint received 2020-08-11
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. (TX)

names wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Year of Birth Select as many as apply 1977 address not mine remove it
Consumer complaint received 2020-08-11
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. (FL)

MY INFORMATION WAS USED FRAUDULENTLY TO OPEN FRAUDULENT CREDIT CARD ACCOUNTS IN MY NAME THEY DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-06-17
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: EQUIFAX, INC. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2020-08-11
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: EQUIFAX, INC. (FL)

MY INFORMATION WAS USED FRAUDULENTLY TO OPEN FRAUDULENT CREDIT CARD ACCOUNTS IN MY NAME THEY DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX XXXX. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-08-11
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX ACCESS XXXX {$85.00}
Consumer complaint received 2020-06-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (LA)

XXXX XXXX XXXX Santander consumers XXXX XXXX XXXX XXXX , XXXX XXXX XXXX. Tx XXXX account XXXX i know they was in lawsuit any my car loan was in that car lawsuit due to over charge and other things. I want what is due on my credit report. Clean this up. Santander was bad loan decision misjudgment, gaffe, misstep to all who purchased a car in that time. I am one who got BAD DEAL
Consumer complaint received 2020-08-11
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. (OH)

Please original instrument of indebtedness for this account. This payment history and dates for this account inaccurate. If this account is Charged-Off how can it still be open with a balance. 

Please provide physical verification, method of verification, and validation of debt for this account. 


XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-08-11
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. (AR)

My credit has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX {$7400.00} XXXX XXXX {$3100.00} XXXX XXXX XXXX {$2100.00} XXXX  XXXX {$110000.00} XXXX XXXX XXXX {$1600.00} XXXX  XXXX XXXX {$350.00} XXXX  XXXX  XXXX {$1700.00}
Consumer complaint received 2020-06-11
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: MoneyLion Inc. (GA)

This account was opened fraudulently in my name. It was disputed buy all 3 credit reports and moneylion removed the account from two of my accounts the re-entered an update the fragile information on my XXXX  report. I haave provided police reports and fraud Affidavits and the account is still reported. I have made several attempts to contact them but I am hung up on every time
Consumer complaint received 2020-08-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC (GA)

An account was opened with Mariner Finance as a result of identity theft. In addition, I have contacted Mariner Finance and provided a police report, identity theft complaint, and an affidavit provided by Mariner Finance and have not received any updates as to the deletion of this account.
Consumer complaint received 2020-08-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

I was in a forbearance plan, with PHH MORTGAGE due to XXXX. I paid my past due in full, by the agreed upon date. I called in to the customer service to let them know, I was ready to come off the plan, and make the payment. They asked for my permission to make the withdrawal, and I agreed. Less than a week later, they made another withdrawal, without my consent! I called back to speak an account manager, and he stated, he was not sure how it happen. I also said it would take a few days for me to get me money refunded back to me.
Consumer complaint received 2020-08-11
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. (AR)

My credit has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX {$7400.00} XXXX XXXX {$3100.00} XXXX XXXX XXXX {$2100.00} XXXX  XXXX {$110000.00} XXXX XXXX XXXX {$1600.00} XXXX  XXXX XXXX {$350.00} XXXX  XXXX  XXXX {$1700.00}
Consumer complaint received 2020-08-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (OH)

I have variable rate loans with Discover Student Loans. Since rates have dropped so low I inquired about locking in a fixed rate. I was told to refinance the loan through a new application. I was ultimately denied by Discover, my current loan holder. My fear is that they did this because a fixed rate may lower the interest rate that they collect. I am currently at +4 % over XXXX, and I do believe that it would be lower with an updated fixed-rate, and Discover denied my credit because they would make less by doing so. 

Furthermore, it makes no sense that they wouldn't refinance a loan at the lower rate seeing as how I am more able to make the payments on time with the lower rate than I was at the higher rates seen in previous years. I am currently making almost {$200.00} per month less in payments than I have in times past. In times past, I have also struggled to make payments and they are unwilling to work with me and then they get to charge late fees, etc. Perhaps another reason to deny my refinance.
Consumer complaint received 2020-08-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I HAVE TRIED TO SPEAK WITH PEOPLE WHO CAN NOT GIVE ME THE CORRECT WAY BOOST WORKS. I TRIED CALLING NUMEROUS TIMES AND ALL I GET IS THE RUN AROUND AND GET TRANSFERED TO DIFFERENT DEPARTMENTS. I GET ADVISED THAT I HAVE TO SPEAK WITH SOMEONE FROM MEMBERSHIP. HOWEVER WHEN I DO THE PROMPT STATES IF I HAVE ANY QUESTIONS PRESS # 2. THEN AFTER THAT YOU GET THE AUTOMATIVE SPEAKER AND YOU ARE UNABLE TO SPEAK WITH SOMEONE AND THE CALL IS ALWAYS TERMINATED. I THEN CALL BACK AND CALL IS TERMINATED.REGARDING YOUR EXPERIAN BOOST AND YOUR ADVERTISING I WAS STATED THAT MY CREDIT BOOST WOULD INCREASE EVERY MONTH ACCORDING TO WHEN I SPOKE TO YOUT REP XXXX. THEN I TRIED CALLING HER AND I GET THIS PERSON NAME XXXX FROM CONSUMER AFFAIRS AND SHE STATES IT ONLY INCREASES JUST ONCE. SO WHAT IS THE SENSE OF HAVING EXERIENCE BOOST WHEN IT DOES NOT HELP YOUR CREDIT SCORE TO INCREASE EVERY MONTH AND WHY YOUR COMPANY KEEPS ON ADVERTISING THAT IT RAISES YOUR SCORE MORE THAN ONCE????