davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
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. (TX)

I really have just about had it with everyone involved at this point. I am a good taxpayer and bill payer, single XXXX year old woman. Not some whiny XXXX. You need to use your attorneys and straighten this out for me and everyone else being harmed. 

I took out a mortgage with down payment assistance that was a silent lien, a lien placed on the asset. I have enclosed a copy of the recent credit report update. Now they show both by XXXX XXXX and the Silent Second status as if it is in " Forbearance '', I also enclosed a definition straight from XXXX XXXX XXXX selling guide as to their definition of Forbearance since no one is quite sure what it means. 

I have tried this complaint 3 times, each time has yield a different result, previously the bureau simply removed both reportings as " closed '' Now, they put them both back on and noted they are in " Forbearance '' " A forbearance plan is a retention option in our workout hierarchy for a borrower with an eligible hardship that is temporary in nature and has not been resolved. A forbearance plan provides for a period of reduced or suspended contractual monthly mortgage payments, followed by a full reinstatement, mortgage loan payoff, or another workout option to enable the borrower to resolve the delinquency '' The Silent second was a lien, there is no balance due, there are no interest charges, there are no payments due, yet they show it in Forbearance. It is killing my Credit Score, it looks like a collection account. Recently looking at a car loan, the lender told me they would count 5 % of the outstanding balance " as if it were a collection account ''. This account is a lien, it in no way needs to be reported on a credit bureau, it affects my ratios, it causes a lower credit score ... this is simply unacceptable. I never agreed to this. The SIlent Second was disclosed to the XXXX XXXX provider, I was not informed that SIlent Second would be reported to any credit bureau in any fashion.. The XXXX XXXX, I did sign paperwork that I understood the lenders obligation and my rights under FCRA The big issue, the XXXX XXXX with XXXX XXXX XXXX is I pay this every month and have all year, even while being unemployed when my employer closed, yet it shows in Forbearance. It is not in Forbearance, they are just trying to keep me paying the high interest rate because in reviewing XXXX XXXX guidelines : homeowners who missed payments and entered into a loss mitigation solution such as a repayment plan, payment deferral, or loan modification are eligible for a new refinance or purchase mortgage after three timely payments. The lenders I spoke with were very clear the current mortgage can not be noted as " in forbearance '' From what else I read, the receive a premium of some sort when I make timely payments if they code it as in Forbearance.
Consumer complaint received 2021-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CA)

this account was closed about 2 years ago returned equipment the person that helped me out said everything was good i asked for a receipt he said i did not need a receipt i will not pay I'm struggling financially i lost my wife to XXXX XXXX i am getting text messages & e-mails from these people i will not pay
Consumer complaint received 2021-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

Some of my loans being held by XXXX were transferred to FedLoans in XX/XX/2017 ( I was not made aware this transfer was happening ). I had made a payment online early in XX/XX/2017 with the payment date set for later that month for loans already being held by Fedloans, but by the time the payment had posted my other loans had transferred, so the amounts we allocated incorrectly. It ended up showing all of my loans as not paid in full. I immediately spoke to someone at Fedloans and was told they would regenerate a bill the missing amount for that month for me to pay in full ( {$10.00} ) and the payment would be counted as it was a mistake made through them. A bill was never sent. I have continued to call and complain to get this fixed and have been given different information every time, including that they would just do an override and count the month toward PSLF and I did not need another bill to be generated. I want this resolved and the month counted as it should have been.
Consumer complaint received 2022-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

I have been trying to complete a recast of my Mortgage with Freedom Mortgage and the company has delayed the recast in an unacceptable time frame. I originally contacted Freedom explaining that I wanted to complete a recast with a payment of {$240000.00} towards my principle. I was instructed to mail a check for {$250.00} and a letter requesting a recast. I mailed letter and check on XX/XX/22. Freedom misapplied my check as a partial mortgage payment. After several calls they reapplied the funds. I reached out to Freedom several times to obtain a contact person for the recast with no success. I wished to increase the amount I was applying for the recast to {$250000.00} but I was leary of sending the funds without a contact person to confirm the process as my {$250.00} earlier check had been misapplied. XXXX XX/XX/22 I received a letter from Freedom stating they were unable to complete the recast as they hadn't received the curtailment to principle and that my loan was being transferred. I again contacted Freedom and was told the loan would be transferred within 30-60 days and that I could complete my recast at that time. Sixty days passed without any further communication from Freedom about completing my recast or informing me of a new mortgage service provider. I again contacted Freedom on XX/XX/22 and spoke with teller # XXXX who looked up my account, read the letter about the service transfer and instructed me to mail another check for {$250.00} with a letter requesting a recast. I mailed another check for {$250.00} and another letter requesting a recast. Freedom cashed my {$250.00} check, and on XX/XX/22 I received a call from XXXX teller # XXXX telling me again that Freedom would not complete the recast as my loan is scheduled to be transferred in XXXX. Since the letter from freedom on XX/XX/22 I have made mortgage payments for XXXX, XXXX, and XXXX and will have to make another one in XXXX if this does not get resolved in a timely manor. The amount of funds I wish to apply towards my recast of {$250000.00} should lower my mortgage payment by aprox. {$1200.00} a month. I will have made at least 4 additional mortgage payments that were unnecessary if Freedom had acted in an appropriate manor. If Freedom can close on a purchase or a refinance in a few weeks why should it take XXXX+ months to complete a simple recast? This is not fair to the consumer and a deceptive business practice.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion is violating my consumer rights, damaging my creditworthiness, & sabotaging any chances of securing a new home for my family. Im currently trying to rent/buy a home for me and my family but inaccurate information on my TransUnion credit report is preventing me from doing that. TransUnion is not using reasonable procedures to assure maximum possible accuracy of information on my consumer credit report. The alleged accounts : 1.XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). 2.XXXX XXXX XXXX ( Original Collector : XXXX  ). There is no proof and/or documentation that these alleged debts belong to me. I even sent written communication directly to the debt collectors and they were unable to provide me any validation of the debt pursuant to FDCPA. If the debt collector is unable to validate the alleged debt how is TransUnion able to verify this debt? I sent written communication to attempt to resolve this issue with TransUnion ( See attached documents : Exhibit A ) but they refuse me a proper investigation pursuant to the FCRA. I asked in my written letter to TransUnion to be provided with verifiable proof of the alleged debts and the procedure used to determine the accuracy and completeness of the information. They never provided me this information. Im invoking my specified remedy as a consumer. I demand these accounts be immediately deleted from my TransUnion credit report. Once deleted I demand an updated credit report be sent to any person you furnished my credit report to within the last 12 months. Im looking to move my family into a new home in the next 30 days ; an expedited response will be truly appreciated! 

See attached documents : Exhibit A - Copy of written communication to TransUnion on XX/XX/2021 disputing alleged accounts.
Consumer complaint received 2021-01-05
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. (TX)

I really have just about had it with everyone involved at this point. I am a good taxpayer and bill payer, single XXXX year old woman. Not some whiny XXXX. You need to use your attorneys and straighten this out for me and everyone else being harmed. 

I took out a mortgage with down payment assistance that was a silent lien, a lien placed on the asset. I have enclosed a copy of the recent credit report update. Now they show both by XXXX XXXX and the  XXXX XXXX status as if it is in " Forbearance '', I also enclosed a definition straight from XXXX XXXX XXXX selling guide as to their definition of Forbearance since no one is quite sure what it means. 

I have tried this complaint 3 times, each time has yield a different result, previously the bureau simply removed both reportings as " closed '' Now, they put them both back on and noted they are in " Forbearance '' " A forbearance plan is a retention option in our workout hierarchy for a borrower with an eligible hardship that is temporary in nature and has not been resolved. A forbearance plan provides for a period of reduced or suspended contractual monthly mortgage payments, followed by a full reinstatement, mortgage loan payoff, or another workout option to enable the borrower to resolve the delinquency '' XXXX XXXX XXXX was a lien, there is no balance due, there are no interest charges, there are no payments due, yet they show it in Forbearance. It is killing my Credit Score, it looks like a collection account. Recently looking at a car loan, the lender told me they would count 5 % of the outstanding balance " as if it were a collection account ''. This account is a lien, it in no way needs to be reported on a credit bureau, it affects my ratios, it causes a lower credit score ... this is simply unacceptable. I never agreed to this. XXXX XXXX XXXX was disclosed to the XXXX XXXX provider, I was not informed that XXXX XXXX would be reported to any credit bureau in any fashion.. The XXXX XXXX, I did sign paperwork that I understood the lenders obligation and my rights under FCRA The big issue, the XXXX XXXX with XXXX XXXX XXXX is I pay this every month and have all year, even while being unemployed when my employer closed, yet it shows in Forbearance. It is not in Forbearance, they are just trying to keep me paying the high interest rate because in reviewing XXXX XXXX guidelines : homeowners who missed payments and entered into a loss mitigation solution such as a repayment plan, payment deferral, or loan modification are eligible for a new refinance or purchase mortgage after three timely payments. The lenders I spoke with were very clear the current mortgage can not be noted as " in forbearance '' From what else I read, the receive a premium of some sort when I make timely payments if they code it as in Forbearance.
Consumer complaint received 2021-01-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: International Computer Systems, Inc. (MO)

I have now told this company 3 times to cease all communications and they still continue to contact me. Todays phone call after telling the rep today No Further Contact he proceeded to state " Okay, did you want to set up payment arrangements today '' after asking to speak to a supervisor he claims they are all busy. Did not know or understand the FDCPA laws, I have been a collection agent and had to do two weeks worth of training and my current job we do it twice a year to review so we all know it.
Consumer complaint received 2021-09-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (NM)

I was XXXX  and XXXX  for XXXX 1/2months. From XX/XX/XXXX to XXXX XXXX XXXX. 
While I was XXXX  Direct Express activated a new card with a fraudulent person and allowed them to empty my account that entire time. Transaction after transaction after transaction. I was not made aware of any of this into XX/XX/XXXX when i called to have a replacement card issued. It was then that i was told my account had been accessed the entire time i was away and I also had to go through XXXX to prove that i was the actual account holder and that I needed the other card closed and i disputed everything from XXXX XXXX to now. 
I have a policy that protects me from fraud and i reported it immediately and followed all instructions. I feel like Direct Express frauded me then and now by claiming no error was made. This is about XXXX. Dollars and all the money i had to my name. Im XXXX i have XXXX XXXX I'm very XXXX. More im XXXX  now. I have no money to rent a place nor to pay utilities. No transportation. Nothing. Direct express helped a criminal fraud me for five months and then snubbed their nose to me when I'm the account holder the victim. They ruined me.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understand that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2021-01-05
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Management Solutions, LLC (VA)

I currently have a least break debt that is in FMS Financial Solutions collection. Ive tried my best to make payments especially throughout COVID. Ive been working with XXXX XXXX and I am very unpleased with the customer service hes provided. I was a XXXX XXXX for 2 years therefore I am familiar with the FDCPA regulations. Mr. XXXX has hung up on me and other authorized family members trying to resolve the debt and has also threatened to sue on multiple occasions. After paying $ XXXX {$600.00} a month to quickly resolve the debt and still receiving terrible service I ended up giving authorization to my mother to handle the account and record the calls because I was tired of being yelled at, being called a liar, and being pressured to higher my payments. It has been communicated with the company to have a different collector call so I dont have to deal with being mistreated, yet he still calls and emails me attempting to collect the debt. Hes also requested to speak with me and not my mother who is authorized to handle the account. I can not afford much at this point nor during the time I was giving him hundreds of dollars. I dont know what to do at this point.
Consumer complaint received 2021-09-17
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

On XX/XX/XXXX, I called to request validation of the debt owed to my address because the company said they were filing a lawsuit against me and the request was denied. On XX/XX/XXXX, I called again and requested validation again but the request was denied.
Consumer complaint received 2021-09-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (TX)

I got a loan from Bridgecrest the car was from XXXX XXXX in XX/XX/XXXX. Everything was going great until the pandemic hit. I was a month behind, but that was because I lost my job and the pandemic hit and could not get a job. Everything was locked down. Rewind, I started to get unemployment. I was paid my note I was no longer past due. Then a new set of issues arose. I worked for an app company that was just released in my small town. It was slow at first. I was no longer getting the pay I was getting before I didn't make my agreement but kept the company updated on my situation. On XX/XX/XXXX they came and repossessed my car. I was embarrassed. I was humiliated. I put a lot of money into the car. Technically the car was paid for they charged me a higher interest rate which. I was getting offers to pay lower rates. The car would have been paid for. But they have already sold the car. And they have reported on my credit report that I still owe them a balance. They also have been reporting through the pandemic which brought my credit score down. I worked hard to get my score up to XXXX within a year and within three months after the pandemic they reported on my credit and it is now XXXX and it was lower than that. I would like for them to take the negative marks off my credit and compensation for pain and suffering. I lost my job due to not being able to work because I lost my vehicle due to this companies insensitivity during this time.
Consumer complaint received 2020-11-11
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)

The accounts on my credit report are in violation of Federal Law. I have requested a few time before a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. I have no record of doing business with any of these companies listed below. Trans Union, XXXX, XXXX have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX BAL {$500.00}
Consumer complaint received 2023-03-06
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. (MD)

I received a hard inquiry on my TransUnion credit report. I did not authorize this inquiry nor have I applied for any product or service with XXXX XXXX XXXX  XXXX. I do not know how or why my personal information might have been used to release this report. I called XXXX XXXX XXXX  XXXX to investigate the inquiry and determine if there were any accounts created under my name. It appeared that there were no accounts created with my birthday, social security number and name. I do not believe a thorough check was conducted and I would like to have my personal consumer information protected. I am submitting two screenshots of interactions withTransUnion regarding the unauthorized credit inquiry.
Consumer complaint received 2021-09-19
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. (SC)

I started monitoring my credit a couple of months ago. I noticed some inconsistencies that I addressed with the bureaus, and after their investigation everything was stated to be reported accurate anyway. I submitted the inaccuracies with visual proof, which was ignored. The notice of dispute was not updated to show that an investigation was done, for 2 different reporting cycles now ( XXXX + XXXX ). As well as the years that they are reporting are completely different. My visual proof for that was also ignored and stated to accurate or verified. I received a letter this morning saying that they are simply not going to investigate it again, when it may have never been done. Not to mention they are still reporting inaccurate information after Ive drawn out the errors to easily see. Please help me.
Consumer complaint received 2021-01-05
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: AMERICAN EXPRESS COMPANY (PA)

I have recently be alerted of several recent inquires that I have not authorized I have contacted the companys and well as the credit bureau to resolve this issue. With me having credit freeze on my report Im not understanding how my information is being shared Im trying to Build positive credit and Im being pulled down at the same time my information should be SECURE! I have asked the listed below companies to removed the inquires and have yet to do so. I have followed the FTC process police report etc .. per SECTION 604, 611 of the FRCA these unauthorized inquires should be removed! 

AMERICAN EXPRESS XXXX XXXX which ran my credit twice in two days XXXX XXXX