davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-22
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. (WI)

On my credit report with TransUnion, XXXX  and XXXX  it states that USBK COURT XXXX WISCONSIN bankruptcy court is the one reporting a bankruptcy to them, in which the Bankruptcy court does not report anything to the credit agencies. I was also notified by TransUnion that it was verified as accurate.I also sent them a certified letters asking the big 3 to send me something verifying with the courts that the bankruptcy is accurate as Transunion states thats the reporting individuals.I also have a credit freeze with multiple agencies.
Consumer complaint received 2019-12-22
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: SYNCHRONY FINANCIAL (PA)

I had my Identity stolen on or about XX/XX/XXXX. the party attempted to apply for a Synchrony Bank/Paypal credit card under my name. It was denied and my Paypal account was closed. Additionally a hard credit inquiry appears on my XXXX credit report. I have been unable to get it removed. I would like to get it removed. Thanks, XXXX XXXX.
Consumer complaint received 2019-12-22
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: EQUIFAX, INC. (NY)

I sent a dispute letter to Equifax on XX/XX/2019 via certified mail that was recieved by Equifax on XX/XX/2019. I did not recieve anything via email, phone, or mail from Equifax in the 30 day required time frame for the investigation. I sent another letter to Equifax on XX/XX/2019 via certified mail informing them that they had not responded in the 30 day window and must remove the negative item I was disputing in the first letter, and were in direct violation of FCRA. I still have not recieved any email, phone call, or mail regarding this matter from Equifax and they have not removed the negative item from my credit report. That item is very much hurting my credit score and Equifax is in direct violation of FCRA punishable by a fine of {$1000.00}.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$530000.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXXXXXX XXXX XXXX Balance XXXX {$0.00}
Consumer complaint received 2019-12-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (IN)

I evidently owe close to 800 dollars to Comenity Bank for a place called XXXX XXXX. I was reported to their collection agency and they have my phone number and address, yet have been calling my XXXX XXXX   mother every week! The man that my mother spoke with today told her what my debt was for and how much I owe, while trying to get her to pay my debt, which is illegal! I have asked these people numerous times to not call my sick mother, but they continue to do so and keep harassing her! These people have over-communicated to the point of harassment and it will stop! They already gave out my debt information, which is illegal and I will sue if this doesnt stop! I was also threatened which is also against the law!
Consumer complaint received 2019-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

I am a XXXX year old male living in Massachusetts with my wife, and XXXX children. I have been unemployed since XX/XX/XXXX. My wife works 32 hours a week and we have been struggling to keep up with our bills. In XX/XX/XXXX, we began to find we could not cover our monthly mortgage payment. Our home lender at the time, XXXX XXXX, approved a temporary mortgage forebearnace till XX/XX/XXXX or until I got a job. However, they sold my mortgage to Specialized Loan Serving in Colorado in XX/XX/XXXX. This company has been extremely difficult to deal with. They frequently do not answer when I tried to contact them during weekly business hours. They frequently call me leaving harassing messages that I am delinquent on my loan and have sent me several letters in the mail saying I am delinquent on my loan and they are going to foreclose on my home, only to send me another letter the following week saying " we inadvertently send you a notice of intent to foreclose, please disregard ''. They also said I owed over {$18000.00} which I do not believe is correct as 7 months of mortgage payments would be around {$7000.00}, plus any late payment or other fees.This has caused my wife and I much distress, and contributed to exacerbating some health concerns we have. I now have found a job and will start the end of XX/XX/XXXX. However, when I contacted Specialized Loan Servicing to inform them I had found a job and could begin making my scheduled monthly payments in XX/XX/XXXXbut needed a loan modification to arrange to pay off the 7 months of monthly mortgage payments I was excused form under the forebearnace, they would not talk with me. The said I needed to fill out a loan modification request form on their website and submit it. They said it would not be reviewed for 30 days and then a decision would be made after that. By that time, my mortgage forebearnace would be over and they could try to foreclose on my home even though I now have a job and want to resume my payments. I feel that this is unfair after XXXX XXXX gave me the mortgage forebearnce in good faith with the understanding that I could then begin to pay my mortgage payments when I did get a job and work with me to do a loan modification to arrange to pay the past amount due.
Consumer complaint received 2019-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (PA)

I started my repayment in XXXX with FedLoan Servicing under the Pay As You Earn program. Everything was fine until XXXX when I was making {$75.00} a month payments and I had just one job. I took out a mortgage loan and my lender gave me {$42000.00} to purchase my home under the assumption I was paying {$75.00} a month for my loan. I started working more jobs and my payments increased. I informed them several times of this issue. Last month my loan was transferred to XXXX along with {$20000.00} in charges and interest buildup that occurred while I was with XXXX. I informed XXXX of the mortgage issue and the fact that XXXX fraudulently took money and transferred my loans to XXXX. I actually owe {$80000.00}, but XXXX received {$100000.00} in loans during the transfer. I want to sue XXXX for fraudulently charging me and transferring my loans.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IA)

I have requested my yearly credit report XXXX, XXXX, XXXX and did not recieve a responce. I requested twice this year XXXX and have not recieved a responce. 
The Company name is Equifax. It very hard to buy property without this information.
Consumer complaint received 2019-12-22
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Credit Services, Inc. (NY)

This Collections Agency under contract by the US Department of Education is charging me more than {$12000.00} in fees and more than {$1000.00} in interest for a Student Loan Debt. They claim the Debt goes beyond {$80000.00} which is exagerrated and false. They claim they can seize my income tax returns and they have already damaged my credit report.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

I to who this may concern, I recently checked my credit report and to my findings came across inquiries that I did not approve of. This has been causing a strain on my credit report thus leading to mental and financial difficulties for me.
Consumer complaint received 2019-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PENTAGON FEDERAL CREDIT UNION (MI)

PenFed promised to give a {$100.00} airline baggage credit every year I have the card. On XX/XX/2019 I made a charge to my card for an excess baggage charge. PenFed did not give me the credit. I paid XXXX XXXX {$120.00} for a baggage fee. PenFed told me to send the proof that this charge was for baggage fees, not something else. I sent the receipt proving this was a baggage fee. PenFed replied with a fake excuse, saying they won't pay for a train station ticket in XXXX. The receipt clearly says XXXX XXXX, Baggage Fee.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (TX)

I had a loan out from XXXX XXXX. Then I just received a Wells Fargo credit card. I was told I could balance transfer the XXXX XXXX XXXX to WF credit card at NO interest. I was having a hard time trying to use the credit card, so WF said they would send a check, but then when XXXX XXXX got the check, they said it wasn't valid. So, back trying to use my card, then it went through. Now, I'm getting interest charges on that transaction. Then I got in touch with WF and said they couldn't do anything. 
I'm trying to go into my WF cre0dit card account to find the dates this transaction and my account is now closed.
Consumer complaint received 2023-01-23
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. (SC)

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$83000.00}, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-12-22
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: Certified Bureau of the South, Inc (FL)

On XXXX i sent XXXX  a letter of complaint stating they are reporting inaccurate and incomplete credit information on my Credit Report. 

Collection Creditor : CERTIFIED BUREAU OF THE SO COL Collection Amount : {$92.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX  & CERTIFIED BUREAU OF THE SO COL have not responded
Consumer complaint received 2023-01-23
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. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

My Lowe 's Advantage credit card was closed and the company is requesting that I, a natural person, the consumer make payments to them. I called and asked why was my account closed and they said it was because there 2 automatic payment attempts that did not go through. This is due to the companies billing error. 15 U.S. Code 1666 - Correction of billing errors. This was an adverse action pursuant to 15 U.S. Code 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. 

Pursuant to 15 U.S. Code 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

This account is supposed to be an open end consumer credit plan. 15 U.S. Code 1637 - Open end consumer credit plans.
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (FL)

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help
Consumer complaint received 2019-12-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY (FL)

This complaint about Oceanside mortgage company.They sent a letter to me stating my escrow account was short $ XXXXsent check in they cash the check per my bank statement XX/XX/XXXX XXXXMy next house payment was suppose to be {$810.00}, but was for {$1000.00}, this shorted me on my electrical bill.Call Oceanside they would send a check to me for the they overcharged, stated i would get the check two weeks. no check came.Now it XXXX called Oceanside, they stated the would only pay the {$210.00} dollars back if I sent copy of my back statement, letter head of the back ect.I ask why do i have to prove that i sent the check and you cash it.They said its that there policy.They cost me time effort a late electric bill fax money, just to prove they cash my check..this is not common sense
Consumer complaint received 2019-12-22
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. (GA)

There were credit inquires on my credit report not authorized by me. 

Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX Date : XX/XX/2019
Consumer complaint received 2019-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There were credit inquires on my credit report not authorized by me. 

Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX Date : XX/XX/2019
Consumer complaint received 2019-12-22
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. (TN)

XXXX XXXX : I obtained a used car loan with XXXX XXXX. I can pre-pay the loan without penalty. I previously made additional payments, over and above the monthly loan payment, and XXXX refused to apply these amounts to the loan principle. Instead they simply reduced the amount due on the next monthly payment. This is intnetional fraud which I request an investigation by the appropriate attorney general. XXXX  refeuses to update the loan balance in a timely fashion and currently all credit bureaus and XXXX XXXX  are misreporting the loan balance. XXXX  continues to report ( 2 ) late payments that were never late and on information and/or belief are fabricating confirmations of such tardiness, fraudulently.
Consumer complaint received 2023-01-16
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX 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 2019-02-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive been trying to submit an online credit report dispute to XXXX and TransUnion for over a month and have gotten multiple technical difficulty notices on both websites one month ago and again today. Ive tried calling both agencies then and today, and have been told that their server is down or that they are closed. Ive even seen a notice that my information is wrong and they arent able to find my credit report when I got reports from BOTH of these agencies in mid XXXX. I was able to contact XXXX last month and theyve already corrected the erroneous late payment note on my report which immediately got my credit score over 700! Im trying to refinance my house and the credit scores from XXXX and TransUnion are killing my chances of even getting a loan, much less getting a decent rate. PLEASE contact those folks and tell them to quit blockading their website in order to avoid doing their job!
Consumer complaint received 2022-02-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (AZ)

A debt from 2018 was not sent to the correct address. I was only made aware of the debt when I saw it on my credit report which I immediately paid. Even though the debt collector had the address incorrect they would not work with me to delete the debt from my credit report even after I had paid in full. This would not even have been on my credit report had they sent the bill to the correct address. The person I spoke with condescended me and told me the debt was only XXXX dollars and it took me X amount of time to pay only XXXX dollars even after I explained that I did not get it in the mail. She was reluctant to forward me to a supervisor and tried to persuade me not to. Unfortunately the supervisor would not reason with me either even when I confirmed that the debt had not been sent to the correct address. Now this is another hurdle in todays world that i have to face in trying to become a home.