davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (OH)

My son was put into furlough from is job back in XX/XX/XXXX because of COVID19. He could no longer contribute to the finances of the household. I then reached out to my mortgage company, XXXXXXXX XXXX for assistance by deferring my payments. They agreed by creating a forbearance plan that began XX/XX/XXXX though XX/XX/XXXX. My hardship didn't end in XXXX so I asked XXXXXXXX XXXX for an extension and they agreed for three more months ending on XX/XX/XXXX. In XXXX, I was fully recovered and ready to continue making payments so I made a payment in XXXX. However, in XXXX, when I spoke to a XXXX representative, they informed me that they were not prepared with a modified payment agreement and they extended the forbearance plan until XX/XX/XXXX. In XXXX, XXXX reached out to me with a letter stating that a modified plan was constructed and that I needed to make three consecutive payments with my first payment on XX/XX/XXXX through XX/XX/XXXX. I made my payments and then in XXXX after my last payment, they reported to all three credit bureaus that I was delinquent on my payments when in fact I was on a forbearance plan. When I reached out to XXXXXXXX XXXX  on several occasions, they claim that they are not aware of this action and claim that there is nothing that they can do about it. I have received several computer generated notices claiming that there is an investigation that takes 30 days to process that never comes to a solution. XXXXXXXX XXXX sold my mortgage to XXXXXXXX XXXX right after the last trial modified payment was made but didn't inform XXXXXXXX XXXX that I made my trial payments. I had to send XXXX XXXX a copy of the signed and notarized paper as proof of the action.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

I was told on my statement in bold red letters to pay {$270.00} to avoid interest payment on my promotional account. I paid {$270.00} by the due date. I was then charged interest because I was told I didn't pay {$270.00} plus the minimum payment towards the card. But statement in red letters didn't say to pay {$270.00} plus the minimum payment to avoid interest. It just stated to pay the {$270.00} to avoid interest. They are unwilling to remove the charge. After XX/XX/XXXX the account will be paid in full, except for their fraudulent interest charge of {$120.00}.
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. (OH)

My son was put into furlough from is job back in XX/XX/XXXX because of COVID19. He could no longer contribute to the finances of the household. I then reached out to my mortgage company, XXXXXXXX XXXX for assistance by deferring my payments. They agreed by creating a forbearance plan that began XX/XX/XXXX though XX/XX/XXXX. My hardship didn't end in XXXX so I asked XXXXXXXX XXXX for an extension and they agreed for three more months ending on XX/XX/XXXX. In XXXX, I was fully recovered and ready to continue making payments so I made a payment in XXXX. However, in XXXX, when I spoke to a XXXX representative, they informed me that they were not prepared with a modified payment agreement and they extended the forbearance plan until XX/XX/XXXX. In XXXX, XXXX reached out to me with a letter stating that a modified plan was constructed and that I needed to make three consecutive payments with my first payment on XX/XX/XXXX through XX/XX/XXXX. I made my payments and then in XXXX after my last payment, they reported to all three credit bureaus that I was delinquent on my payments when in fact I was on a forbearance plan. When I reached out to XXXXXXXX XXXX on several occasions, they claim that they are not aware of this action and claim that there is nothing that they can do about it. I have received several computer generated notices claiming that there is an investigation that takes 30 days to process that never comes to a solution. XXXXXXXX XXXX sold my mortgage to XXXXXXXX XXXX right after the last trial modified payment was made but didn't inform XXXXXXXX XXXX  that I made my trial payments. I had to send XXXX XXXX a copy of the signed and notarized paper as proof of the action.
Consumer complaint received 2021-03-18
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: EQUIFAX, INC. (PA)

I have sent three letters to each of the credit bureaus XXXX, equifax and XXXX since XXXX. The letters were sent XXXX, XXXX and XXXX. and I have not received a response from either bureaus. I have a number of incorrect items on my reports
Consumer complaint received 2022-12-29
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. (GA)

I found a collection on my credit report and it is not mine. It doesn't even let me know who to contact. I contacted the credit bureau who is reporting this to let them know that I don't recognize what this is. They are supposed to respond me in 30 days and they have not done so.
Consumer complaint received 2021-03-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MEGASTAR FINANCIAL CORP (CA)

Megastar Financial fails to host and maintain a functional website that allows customers to pay their mortgage on time or even at all. The website puts end user into loop where you can attempt to reset password and it works. Then after login it fails to recognize the user. This company is a failure.
Consumer complaint received 2021-03-18
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. (PA)

I have sent three letters to each of the credit bureaus Transunion, XXXX and XXXX  since XXXX. The letters were sent XXXX, XXXX and XXXX. and I have not received a response from either bureaus. I have a number of incorrect items on my reports
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. (PA)

These are the Specific inquiries that are falsely being reported on my credit that I requested to be removed : 1. XXXX XXXX  Date : XXXX 2. XXXX XXXX - Date : XXXX 3. XXXX - Date : XXXX 4. XXXX XXXX  - Date : XXXX 5. XXXX XXXX Date : XXXX 6. XXXX - Date : XXXX 7. XXXX  XXXX XXXX  - Date : XXXX 8. XXXX XXXX XXXX - Date : XXXX 9. XXXX - Date : XXXX 10. XXXX XXXX - Date : XXXX 11. XXXX XXXX  XXXX XXXX - Date : XXXX1XXXX  12. XXXX XXXX - Date : XXXX 13. XXXX XXXX - XXXX 14. XXXX XXXX XXXX  XXXX - Date : XXXX These are all false inquiries that I requested by mail and follow up complaint to be removed today. I wrote these detailed notes to XXXXXXXX, Trans Union. And XXXX last month. Im being targeted.
Consumer complaint received 2022-01-23
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. (TX)

After carefully reviewing my credit report. I learned Experian and XXXX were purposely continuing to report inaccurate inaccurate information on my credit profile. I have disputed the inaccuracies numerous of times and both credit reporting agencies lied and said that this world finance account met FCRA requirements. This is clearly untrue. I have attached a screenshot of my credit report to this complaint. I found XXXX inaccuracies on this world finance account. The FCRA requires the credit reporting agencies to report everything the same across the board on an account. I have proof that Experian and XXXX is failing to comply with FCRA laws. XXXX is reporting date opened XX/XX/XXXX, balance {$630.00}, past due XXXX, payments Status collection/charge off, last reported XX/XX/XXXX, comments - collection account placed for collection, date last active XX/XX/XXXX. Experian is reporting date opened XX/XX/XXXX, balance {$0.00}, past due {$0.00}, payment status- wage earner plan, last reported XX/XX/XXXX, comments- debt included in or discharged through bankruptcy chapter 13, and date last active XXXX, all this is verrrrryyyy different information which is inaccurate information and is not the same across the board. If this matter is not resolved I will seek legal counsel. I am also demanding Experian and XXXX to pay me XXXX for everyday that this inaccurate sits on credit profile. This account has caused me to get denied for credit on several occasion and the condescending account information between the bureaus are defaming my charter.
Consumer complaint received 2022-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (IN)

My Citibank credit card is lost or stolen, and I decided to close the account. I have a bill, but I do not have the complete credit card number. I contacted Citibank on XX/XX/XXXX, but as soon as I told the representative that I wanted to close the account, I was put on hold. Eventually, the call was dropped, and I had to call back. This has happened multiple times. At this point, I am not able to reach a representative. I have been on hold for as long as two hours, and I estimate that I have spent over six hours on the phone. 

On my last bill it give the hours that you are able to reach a representative as XXXX XXXX to XXXX XXXX on Saturday and XXXX XXXX to XXXX XXXX on Sunday. It is not possible to close your account!
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (CA)

I need cfpb to pay attention and stop banks credit cards from rip off consumers The issues is from last XXXX of 2020 I purchased clothing and did not received so I called the merchant they didnt werent to do anything about it So I called navy federaXXXX and filed a dispute After waisting tune of hours being on hold and explain They only gave me partial credit why??? 

Now they are accusing me of fraud They want me to go to postal office and find the package Then they want me to show proof of the item I didnt receive They taking the merchant over me Merchant said its been delivered It didnt delivered to me Federal navy is 1-wrongly accuse me of fraud 2- discrimination 3- try to scare and intimidate me What permits them to ask me such stupid request To go to postal office and find the package Are they XXXX out of their mind they are so cowered and XXXX Postal office do not keep their tracking after its been delivered Navy federal acted and left a discriminatory note on my account not to resolve my issues Thats why they are sending me off goose chase Taking the merchant over me Want me to go to post office and look for the package
Consumer complaint received 2021-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates, LLC at XXXX. XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of {$430.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. I have asked Portfolio Recovery Associates for proof of the debt in the way of the original documentation showing my signature or that I agreed to this credit card debt. I have yet to receive a response verifying the information asked for.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (AR)

XXXX  AND SANTANDER HAS AND XXXX XXXX XXXX XXXX XXXX  XXXXTO  BE RE-INSERTED BACK INTO MY XXXX  AND XXXX, XXXX XXXX. SEE ATTACHED
Consumer complaint received 2021-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (AZ)

I SENT A MAIL ASKING FOR VALIDATION OF THE DEBT THEY CLAIMED I OWE DATED XX/XX/XXXX, THEN ANOTHER ONE ON XX/XX/XXXX. BECAUSE OF NO RESPOND I FOLLOW UP ANOTHER LETTER DATED XXXX AND XX/XX/XXXX. I HAVE BEEN TRYING TO REACH OUT TO THEM AND ASK FOR A PROPER VALIDATION OF THE DEBT FOR {$1200.00}. IN ADDITION THE BALANCE OF THIS DEBT IS NOT CONSISTENT. THEY HAVE BEEN REPORTING SEVERAL DIFFERENT BALANCES IN THE ACCOUNT. HOW CAN THEY DO THAT? WHERE ARE ALL THIS INFORMATION COMING FROM. PLEASE SEE ATTACHED FILE FROM PREVIOUS MONTHS WITH INCONSISTENT BALANCE REPORTED
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CT)

American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX. XX/XX/2022 I applied for American Express Gold Card 2. I was electronically denied for a credit card 3. I received an adverse action on Tuesday XX/XX/2022 letter stating that I was not approved 4. I called American Express and they informed me that I would have to contact XXXX directly Pursuant to federal law, title 15 Chapter 41, there are statues that inform me that as the original creditor I should not be denied an extension of my own credit
Consumer complaint received 2021-03-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (TX)

My mortgage company announced that the were upping my payments to a point that my monthly payments would be more than double what the agreed agreed upon payment would be due to some XXXX " projection '' of property value increase, and to offset back taxes. I do not have any taxable balance and my property valuation by the XXXX County Appraisal District will not be available until XXXX.
Consumer complaint received 2021-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (IL)

I applied for public service loan forgiveness on XX/XX/2020 after making 120 qualifying payments. I have now waited over 3 months, with no official answer from Fed Loan Servicing regarding the status of where my application is in the process. I have been told various things by different representative from Fed Loans, including information that my loan has been sent to XXXX ( one representative said in XXXX, one representative said in XXXX, one representative said is has not yet been sent ). I have also been told that once my application is sent to the XXXX, then XXXX has up to ANOTHER 6 months to process my application. This time frame is beyond acceptable. If one were to lose their job, the whole devotion of now over 10 years/120 payments for public service loan forgiveness would be for naught. It is frankly criminal that Fed Loans/Dept of Education is taking so long in processing loan forgiveness, potentially leading to applicants not qualifying for forgiveness if they lose their job in this uncertain economy. 

Please assist in reviewing my case. I have contacted the XXXX ombudsman as well in XXXX, who stated my application " was in process '' within the expected time frames.
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (KS)

This is my THIRD AND FINAL WARNING before filing litigation against Nissan Motor Acceptance and XXXX 
The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C. 1681e ( b ). XXXX has violated that code section by failing to maintain, and failing to follow, reasonable procedures to assure the maximum possible accuracy of information included in my credit report. XXXX has failed to conduct a proper and lawful reinvestigation, in violation of 15 U.S.C. 1681i ( a ). The FCRA requires consumer reporting agencies to conduct a reasonable reinvestigation into any item that is disputed by a consumer. Murphy v. Midland Credit Mgmt., 456 F.Supp.2d 1082 ( E.D. Mo. 2006 ). The court rejected XXXX argument that an investigation solely consisting of ACDVs without seeking additional documentation was reasonable as a matter of law. 

I am a victim of identity theft and someone opened an auto loan in my name with Nissan Motor Acceptance on XX/XX/XXXX, Which I am in the military, United States Army and I was on deployment at that time in XXXX. I pulled my XXXX credit report on XX/XX/XXXX and noticed a charge off amount of {$18000.00} written off with a past due amount of {$17000.00}. Account number XXXX** Nissan Motor Acceptance.THIS IS NOT MY ACCOUNT. I contacted Nissan and Experian about the matter. NissXXXX and XXXX are still reporting this fraudulent account to third parties which is hurting my reputation to attain credit. After researching, Ive founded that FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : which XXXX has failed to do so. Also, the XXXX Nissan Motor Acceptance was just updated with a recent payment of {$2.00}, which is a violation of the FCRA which re-ages the account. Please check attachment.
Consumer complaint received 2023-05-15
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC (MI)

On XX/XX/XXXX I sent an email with an attached letter from my city assessor office. The letter showed previous owners were tax exempt. The letter stated that tax exemption was being removed/transferred. After receiving my email my monthly payment decreased to {$940.00}. 
The change in my payment has caused a negative balance in my escrow because Loancare had me listed as tax exempt, but I am not. This mistake was discovered in XXXX of XXXX causing my payment to suddenly increase to {$1800.00}. I called and spoke to many, many supervisors and representatives. I was advised to continue paying the {$940.00}. An investigation was opened that took several months while my account was showing delinquent because the system required the increased amount. I was advised that my payments would be held in a holding account until the total increased amount is collected then applied as one payment. 
XXXX happened while the investigation was still undergo. Therefore, I was able apply for a forbearance while waiting. My payment history will show that I have continued to makepay ments each month sometimes twice a month whatever I can afford. Unfortunately, because my account was already delinquent before the forbearance this mistake has negatively impacted my credit score severely. Loancare has reported to all my credit bureaus non-payments and delinquencies. I have tried to work with Loancare, I sent a complaint in to the XXXX and we had a mediation in which XXXX XXXX XXXX agreed to update credit reporting. I recieved a letter from their office stating that credit reporting is correct. I have supporting documents that I sent to Loancare years ago about changing my tax status.
Consumer complaint received 2021-09-04
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. (IL)

I am a victim of identity theft. Please delete all fraudulent accounts from my credit report. These fraudulent inaccuracies made me lose my job, they are preventing me from obtaining credit, causing stress to my mental and physical state, and is also the main reason to my marital and family issues. 
Thank you in advance for deleting these fraudulent accounts within 4 days of receiving my documents. I'm sure you won't discriminate against me or cause me any more harm.
Consumer complaint received 2021-03-18
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. (TX)

I have submitted several disputes regarding the inaccurate reporting by Transunion on my XXXX XXXX/XXXX. The last CFPB Complaint, Transunion responded that the imformation disputed was not reporting on my credit report. Transunion have violated the FCRA sections 1681i, 1681e ( b ) and 623 by not doing a independent investigation and continually reporting this inaccurate account on my credit report. Again these are the inaccuracies that Transunion verified as accurate and I'm providing proof that my claim is valid. Please review Documents : Doc 1 shows my Transunion credit report and this inaccurate account. 
Doc 2 show my payment history, more specifically, I made my last payment on XX/XX/XXXX XXXX on this account. Therefore, Transunion is misreporting the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in my payment history/rating. This reporting is highly damaging and inaccurate, so how can Transunion verify this account over and over again as accurate??? Doc 3 shows and proves that I reached out to the creditor and that fasley stated that this account is reporting accurately. Doc 4 shows a court document that proves the date closed on this account is on XX/XX/XXXX, not XX/XX/XXXX as Transunion is reporting and verified. Doc 5 shows that Transunion verified this account as accurate even though it's not from my previous dispute. Doc 6 show how my Transunion FICO XXXX score is significantly lower than XXXX and XXXX. How is the fair??
Consumer complaint received 2020-03-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc. (FL)

First financial asset management. started calling repeatedly from XXXX XXXX until today. they call from several numbers XXXX and XXXX when i answer they say nothing but call back several times. When they finally do say something they harass me about how i need to find a better job to pay them more. Even said to use my stimulus check which hasn't even been sent. They tell me i need to pay more and that i need to do better. I am a single mom of XXXX. i pay them every month and they continue to call regardless of me paying every month. it is harassment and i hnestly don know what else to do.