davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

A year or two ago I took out a small loan to rehab my credit. I paid it off early and credit score went down because I paid the loan off early. The credit bureau that I called said it was because paying the loan off indicated that I'm a risk because I no longer show that I make payments on time. So I got another loan to rehab my credit. All payments were made on time and I let the loan run its course so I wouldn't have the previous problem. My credit score got hit by 9 points because the loan was considered " closed " after it was paid off. So essentially I got penalized for paying a loan off early then got penalized on paying down a loan to term.
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

This is concerning the 2009 credit card act. 
I paid an extra amount over and beyond the minimum Bank of America payment due and they refuse to add this to the high interest portion of the statement. 
I had this issue before with this bank and they did not respond. I just let it go at that. 

My XXXX XXXX Statement showed Balance transfers 8.99 % {$6200.00} Bank cash advances 19.99 % {$3200.00} Minimum payment due {$190.00} I paid the minimum of {$190.00} plus an extra amount of {$5000.00}. That should have wiped out the 19.99 % portion of the statement with an an additional of {$1700.00} applied to the 8.99 % portion of the statement. Bank of America elected to add the main portion of the payment to the lower interest part of the statement. 
This according to me is not according to the 2009 credit card act. 
I can substantiate this with my statements. 
The current balance on the 19.99 % portion is still {$2500.00} Thank you for your care
Consumer complaint received 2021-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC (IL)

Ive been receiving different Collections notices Attached to XXXX XXXX XXXX XXXX  from Different collection Agencies that represents this company.. Neither Collection agency has Verified that I owed the Debt. The first collection reached out was Dynamic recovery solutions who Never answered my Complaint with the CFPB regarding this matter and now XXXX XXXX XXXX XXXX has sent this Fraudulent debt to ATG Credit , LLC I guess when they had no luck with XXXX XXXX XXXX. Ive sent Validation letters and police reports on this account and XXXX XXXX XXXX keeps circulating the fraudulent debt around with knowledge its Fraudulent.
Consumer complaint received 2020-03-13
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: EQUIFAX, INC. (NY)

To whom it may concern, Back In XX/XX/XXXX on My XXXX  XXXX card I was late on a bill due to a death in the family and I never got the bill in the mail. I had called In XXXX when I paid and brought up this situation about my late charge from month prior and late fee. The customer service rep said they would remove the late fee from my credit report to all the credit agency 's as a courtesy since I always pay on time and this was a time offense. 

Over the past few months I have not looked at my score. Today on XX/XX/XXXX I realized this wasn't removed tried to call customer service since they were the ones back In XXXX who told me this would be removed. They told me to write a letter so I figured best to come here so you guys can resolve it quickly as I'm trying to fix all inaccurate things on my credit report.
Consumer complaint received 2021-03-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Consumer Adjustment and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Consumer complaint received 2021-03-18
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. (FL)

Transunion, XXXX, and XXXX continue to report inaccurate information on my account. They continue to report medical accounts and place recently removed accounts back into my credit profile with out my knowledge which is violating my consumer rights. I have provided a dispute with these accounts as I have never opened an account with these creditors. 

In addition, the bureaus have never provided me with any executed contracts/agreements to show proof that these are accounts that I opened or request. How do I know it was someone else opening the accounts?
Consumer complaint received 2021-03-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc. (GA)

In XXXX I reached out to XXXX XXXX about this debt. The company talked me into setting up payment, however I didnt realize Im a part of the litigation with Santander USA ( original debtor ). 

https : XXXX
Consumer complaint received 2021-03-12
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. (LA)

XXXX XXXX XXXX and Transunion should not be reporting that I am ( 120-180 ) days late on the XXXX XXXX partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted Fed Loans, as well as the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-12-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (CO)

I have been XXXX since 2018 and receive XXXX  XXXX that ended up being for the needy. I worked 10 years and filed and was denied. Refiled again and didn't get what I was insured for. I am XXXX XXXX XXXX and have sent in XXXX Dismissal to XXXX and Nelnet twice and once with a Dr.s signature. They refuse to act on my claim and are threatening my credit today. It has been five years, and at XXXX you don't do reviews. I have never worked in my field and my degrees ended up being worthless. I need relief. I have XXXX grown children still at home, XXXX by XXXX and XXXX, and I finally have state help in XXXX for assistance and long term care so I don't have to go into a facility. Why won't anyone help me? I have no home or running vehicle, and my oldest son stays here to help me and gets paid. SS has decided to ignore all of this and documents have been sent over and over again. Please Help!
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AL)

On XX/XX/XXXX, I wrote a letter to XXXX and XXXX about an inaccurately reporting item that was adversely affecting my creditworthiness. Both companies reported back the item had been verified by Credit Acceptance. I also notified Credit Acceptance that they were hurting my livelihood by reporting inaccurate information about my account, they responded to my concern with a frivolous letter. I responded to XXXX and XXXX with proof of the inaccuracies on a letter dated XXXX XXXXand wrote a letter to the CEO of Credit Acceptance concerning the matter. Credit Acceptance sent me a letter dated XX/XX/XXXX, to settle the matter at a discounted price. I purchased a money order from the USPS and sent it certified mail upon complete removal of the account. As of date, XX/XX/XXXX, inaccurate data is still reporting. TransUnion nor Experian responding to a letter requesting the method of verification, yet still, they report UNVERIFIED inaccurate information.
Consumer complaint received 2020-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Nationstar and Mr cooper 's are not defendants in my civil complaint. They will not allow me to make my mortgage payment through an automated system by phone. This is the method of payment I prefer so there is no question to constructive receipt date. In the past, payments mailed and received within 30 days of the due date were reported 60 days late.
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (MA)

On XX/XX/2021, I made 2 transfers. Their tracking numbers are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

In each of these transfers, I agreed to pay {$4900.00} ( plus a {$2.00} fee ) at exchange at a rate of {$1.00} USD = XXXX BRL ( Brazilian reais ), so that each recipient would recieve BRL XXXX. 
This was a bank deposit ( not cash pickup ) and my payment was made with debit card immediately. Each transaction has a status of " Completed '' with its respective receipt showing what I've just described ( {$4900.00} paid ; {$1.00} USD = XXXX BRL ; supposed payout BRL XXXX ) However, in actuality, only BRL XXXX were deposited in each of the recipients accounts in each of the 2 transactions. Each transaction is missing XXXX XXXX. 

I had contacted Western Union for an explanation or solution. After first I was told that the missing portion of the payment was placed on a " secure hold. '' When asking for clarification on what a " secure hold '' meant, I was then told that it ACTUALLY was deficient " probably because of taxes and fees of the receiving bank, maybe. '' In the end, they said that the payout is just an estimate [ and they can pay whatever they want, after I agree and send money. ] The recipient bank says there are no fees or taxes taken out, nothing is deducted on their end. This is corroborated by the fact that no other international transfer service has mysterious deductions from their transactions -- only Western Union. The Western Union transfer rate did not fall between payment and delivery of the deposit, it actually went up slightly. There is no explanation for why so much money is missing. It can not be from rate fluctuation. The rate was XXXX BRL when I paid and was XXXX BRL when the money was deposited the following day. 

No other money transfer service operates like this. There is no accounting from Western Union regarding EXACTLY what happened to the rest of the money. It appears that Western Union believes they can make a contract for a money transfer, take the payment, and then unilaterally change the payment amount to whatever they feel like paying without any oversight, specific explanation, or consequence. To this day, they can not provide evidence on why the payout deviates so much from what is shown on the receipt. I would never have agreed to engage in a transaction with this company had I known that they arbitrarily change the contracted payout amount after execution. 

I am attaching the transaction receipts showing what we contracted.
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP. (GA)

On XX/XX/2018 21st Mortgage provide illegal mortgage for Estate Sale " XXXX XXXX '' estate of XXXX, GA. My mother informed lower court XXXX XXXX, Attorney XXXX & other parties that was wrong of XXXX XXXX. The Magistrate sold 10 arces of prime real estate. The underwriter perform illegal estate.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2021-03-18
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. (NC)

I CANT BELIVE THESE FRAUDULENT ACCOUNTS ON MY CREDIT. THEY ARE CAUSING ME SO MUCH EMOTIONAL DISTRESS. THIS IS A VIOLATION OF MY RIGHTS. PLEASE HELP ME REMOVE THESE FRAUDULENT ACCOUNTS FROM MY PROFILE. THESE INQUIRIES ARE ALSO FRAUDULENT. PLEASE TAQKE THIS STUFF OFF MY CREDIT. 
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2023-05-05
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-29
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 am currently applying for a mortgage loan and the lender can not obtain my credit score through Equifax. I have contacted Equifax numerous times and they tell me that all information is correct in my credit file, but the lender is still receiving a no record found message when they are attempting to obtain my credit score. There are no issues with the other two credit bureaus.
Consumer complaint received 2020-03-13
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. (FL)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 ) days past due on the DPT ED/XXXX  accounts. ( Please see the attached spreadsheet of reporting bureaus with account numbers, along with a copy of my credit report. ) 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 information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MI)

The fed loan servicing agency is mismanaging my loans. 

I had started student loan repayment in XX/XX/XXXX and signed up for autodebit. I have made payments on time every month, re-certified my pay yearly before XXXX which is when I went into repayment, and submitted my employment certification yearly. About 1.5 years into payment I noticed they were not counting my payments correctly and called the fed loan contact number and was told it would take over 1 year to review. I therefore called the ombudsman line for fed loan and they opened a review and were able to get my payments counted correctly. 

A new problem arose in late XXXX when I again re-certified my pay before the deadline in XX/XX/XXXX. I began the process of repayment in XX/XX/XXXX and was told I need to re-certify every 12 months. I have proof that I recertified every year in XXXX. They claimed I didn't recertify on time and capitalized my interest after this past year and are threatening to now go back for XXXX and XXXX and review and capitalize the interest for those years too. When I complained they said that they sent emails saying I needed to certify by a certain date. This is confusing to say within 12 months and then to send emails saying they want you to certify by a specific date. This is criminal and mismanagement of my account. I shouldn't have my interest capitalized because they are not clear in their rules about re-certification. Fed loan does not provide clear information about the definition about what re-certify in 12 months means. They are doing everything possible to make this a predatory practice. They expect borrowers to jump through hoops but they have no accountability themselves and purposely try to undermine borrowers from completing the program.
Consumer complaint received 2020-03-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX USAA confirms to collect a debt USAA temporary credits will REMAIN permanet. 
See attatched XX/XX/XXXX STATEMENT ONLY CREDITS {$340.00} ARE FROM MERCHANTS. USAA DESTROYED MY CREDIT TO COLLECT WHAT IS NOT OWED.
Consumer complaint received 2023-01-23
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. (PA)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-05
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. (CA)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please remove.
Consumer complaint received 2022-03-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

This matter relates to a mortgage modification that was completed last year ( 2021 ). I had a ( 3 ) month trial period from the months of XXXX to XXXX for the amount of ( {$1400.00} ). After completing this trial, my lender ( Rocket Mortgage , LLC ) presented to me a modification to my current mortgage. My new fixed monthly payment for 40 years would be ( {$1200.00} ). I accepted these terms by signing the mortgage modification. From XXXX of ( XXXX ) to XXXX of ( XXXX ), all my payments were made on time for the amount of ( {$1200.00} ). For the month of XXXX, my payments increase over ( {$200.00} ) dollars. After several phone calls to this lender to get clarity on this situation, I was told by a ( PMI ) specialist that my lender did not collect any ( PMI ) last year ( XXXX ) and that was the reason for my payment increase. I did not sign any documentation on my loan modification, indicating any such statements. Nor was there any documentation that stated my payments would increase in the month of XXXX for ( XXXX ).
Consumer complaint received 2021-03-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

I have escrow with my mortgage. They are required to timely pay my property taxes and home insurance. My insurance renewal was received on XX/XX/XXXX, they only made a partial payment. My policy lapses on XX/XX/XXXX. When i contacted company that they have not paid my insurance timely they advised me they will pay after my policy expires. That is a breach of contract and exposing my to risk and higher insurance costs.