davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (SC)

The same collection LVNV FUNDING XXXX and XXXX XXXX XXXX XXXX reporting on my credit report twice according to section 609 section 611 I have the right to dispute an accurate information on my credit report and have it removed. I believe these two entries represent the same day and should not both be listed on my credit report. I have already submitted for reinvestigation and it came back verified without Sending me the proper verification.
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (MO)

US bank is reporting inaccurate information on my credit report and is defaming my character byu publishing inconsistent inaccurate credit information on me. 

For example ; I paid my mortgage balance off yet its still reporting as open til XX/XX/XXXX. 
This account also reports that I paid 60 days late in XXXX of XXXX on my XXXX and XXXX report but they marked me as current with XXXX. 

They have inconsistent dates of which my account opened on my XXXX credit report they say that I opened my account on XX/XX/XXXX and on XXXX  and XXXX they say that my account was opened on XX/XX/XXXX. Which begs the question of how my account could've possible have been late. As the account had different account open report dates between bureaus. 

Additionally between XX/XX/XXXX thru XX/XX/XXXX I see an account on my XXXX report that went from reporting current to 60 days late. without ever first being 30 days late. 

Moreover my account status reports as closed on XXXX whereas it reports as paid account on the other 2 bureaus. 

This creditor reported my terms as 444 months on XXXX then report ed my term as 0 months with the other credit bureaus
Consumer complaint received 2018-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2021-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (GA)

United Collections Bureau refuses to dispute three hospital/physician charges from XXXX XXXX XXXX. I was insured on the dates of service XX/XX/2019, XX/XX/2019 and XX/XX/2019 I had XXXX and insurance. I provided the hospital with my insurance information which was South Carolina XXXX. The hospital advised me that they dont take out of state XXXX. They then sent my three accounts to United Collections Bureau to report on all three of my credit reports. I have reached out to this collection agency several times and they are refusing to dispute or remove my accounts because of the age. I advised UCB that I have disputed these accounts with them and provided my insurance information when they first received the accounts and they did not file to my insurance as they promised. The insurance they billed was GA XXXX and I was not insured under GA XXXX and they know that through several conversations with me. UCB had all information to try and resolve this account and they failed on multiple occasions as I was eager to have the accounts paid and resolved by XXXX. The total on the three accounts {$1300.00}, {$530.00} and {$1200.00} I am requesting that they remove these accounts from all three credit bureaus due to having insurance at the time of service. Please remove these accounts from the credit bureaus. I offered to settle the accounts for a pay for deletion and they are refusing to delete them off my credit report.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (TN)

At First It Said Account Open In XXXX Of XXXX Now It Is Say XXXX Of XXXX The Account Isn't Mines At First It Was A Whole Other Last Name And Phone Number And Address They Said They Was Gon na Remove It Credit Bureau And The Company Ask For My Address I Gave It To Them Now They Saying They Can't Remove It
Consumer complaint received 2021-10-20
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: Experian Information Solutions Inc. (DE)

Dear Customer Service : Please be advised that I am disputing the following creditor which has placed the account in collection for XXXX : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX I report identity fraud in 2019 with the police report, since XXXX has XXXX Management collecting on their behalf.
Consumer complaint received 2020-07-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

I changed insurance providers on XX/XX/XXXX. Amerihome was sent policy. I sent to emails to company notifying that insurance provider changed. I initiated refinance in XXXX and told loan officer of change. Slow process with long delays despite my constant calling the loan officer. Refi moved to processor. Constant delays with vague description. Closing set for XX/XX/XXXX. XX/XX/XXXX I received call from loan processing assistance telling me I did not have home owners insurance. Agent sent policy to person on XX/XX/XXXX. I can provide multiple times policy was sent to Amerihome. AND, if I had no insurance, I am confident Amerihome would have slapped a high cost policy on my home. Amerihome denies any communication about the change despite being told my previous policy was cancelled and they are holding escrow funds. They ignore my emails notifying of change. They say first they heard of change was XX/XX/XXXX. Still no insurance payment. Attempted multiple times to speak to someone in escalation but never get there. After hour long call, I was disconnected. I was promised if faxed this morning it would be updated and paid. I seriously doubt any promise since everything else I am told has not been accurate. I am sitting in my home with a cancelled insurance policy wanting to refi which was supposed to be so easy since it was with same company. I am so angry and frustrated that I can barely listen to one more person telling me there is no documentation in the file. I have been changed late payments waiting to close loan. I have tremendous anxiety that Amerihome is saying I have no insurance coverage. As I explained to last person today after more than a hour on hold and talking with customer service reps that do nothing but tell me to fax documentation. NO ONE IS LISTENING TO ME!!!! I have filed complaint with XXXX  and if I do not get action immediately, I will pursue legal action.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Adler Wallach & Associates, Inc. (CA)

I sent a debt validation letter over 30 days ago to company XXXX and have yet to receive a response. They've been reporting negative and defaming information on my credit report as of XX/XX/22 in the amounts of {$2500.00}. This company is reaching out to me to collect a debt I never agreed or contracted to pay.I have sent a debt validation letter to this company and they never responded to my request. Since they have never supplied me with sufficient information in order to validate this debt, I don't not feel like my account was handled with accuracy and/or integrity. Therefore, with respect, I am challenging the accuracy and integrity of this information. 12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( b ) Reflects the terms of and liability for the account or other relationship ; ( c ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( e ) Is substantiated by the furnisher 's records at the time it is furnished ; ( f ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( g ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Due to the number of inaccuracies, I know this debt is a mistake and shows this account was not handled with accuracy or integrity. Please remove this account from my consumers report. Due to the inaccuracies of this account I have been denied loans I would have been approved for had this account been handled with accuracy and integrity. This has caused me sleepless nights, stress and really bad anxiety. I've filed complaints with the XXXX  and the Attorney General in order to expedite this process due to the mishandling of my credit file.
Consumer complaint received 2021-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

I was recently a victim of identity theft and have reached out to all three credit bureau about aunothrized fraudulent collections appearing under my name. XXXX and XXXX are working with me and have deleted these accounts, however Experian supposedly investigated these collections and have not provided me with any documents from the investigation. The results from my Experian Dispute was " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for there reporting services could fax, mail or email in a fraudulent account. 

I'm requesting that Experian please help me clear these fraudulent account from my credit report have supporting documents from the investigation sent out to me. 

The fraudulent accounts disputed where XXXX XXXX XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2021-02-12
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: EQUIFAX, INC. (TX)

I've recently reached out to XXXX, Equifax, and XXXX in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of this.
Consumer complaint received 2021-05-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (MT)

I have made a limit order on Gemini using their active trader software and now I am unable to cancel that limit order and my funds are stuck unless the price of the currency gets to that point, which it is unlikely now. I had no pending deposits or withdraws and should not have had a problem cancelling a order. The limit order was placed on XX/XX/2021 for {$3400.00} and I have contacted their support multiple times with no response. I am starting to think they are keeping my money.
Consumer complaint received 2018-05-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (TN)

I missed a payment and got 30 days past due. I Had paid off a previous loan with them so I always paid but honestly fell a little behind during the holiday but communicated this with them ... so they defaulted on my loan and is seeking a judgement and I have tried to settle this debt with them and they will not budge ... .i know other people in that office were way more delinquent but they didn't default on them ... Nor will they return phone calls.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

I have an auto loan with SYNCB/AMAZON, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/AMAZON and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and SYNCB/AMAZON with no successful resolution. XXXX, XXXX, and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2021-10-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

I am a homeowner who requested forbearance due to COVID circumstances for my rental property. The mortgage is backed by a USDA loan. During the course of the forbearance period I have been in contact with Wells Fargo to continue the extension multiple times and have asked on multiple occasions about the repayment plan after the forbearance ended and on multiple occasions, they have asked a series of questions to determine what type of repayment plans or protections I would qualify for once the forbearance ended and have on multiple occasions advised me that I would qualify for the junior lien as provided under the COVID protection since I have a USDA loan. Now that forbearance ended and I wanted to bring my loan current they all of a sudden advised me that I qualify for no repayment plan and the USDA protection they previously advised me that I would qualify for once placed out of forbearance no longer applies because it is not my primary residence. This was misleading and truly an unfair practice by Wells Fargo, and to tell me that I am not protected under the COVID USDA guidelines I believe are untrue and I should very well be protected under this protections during the pandemic that was there for all homeowners and not just homeowners who are only primary residences.
Consumer complaint received 2021-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

I ordered my credit report and there was a charge off account from XXXX which was supposed to be removed in XX/XX/XXXX. I disputed with the credit bureau to get it removed and they updated the account using the information from XXXX to XXXX as new. This caused my account to drop 121 points in 2 different disputes. They were supposed to remove the charge off and instead they updated the old information to the present year.
Consumer complaint received 2021-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC. (NC)

I have contacted Robinhood four times since last month and have not received any response from their customer service. Im trying to get tax documentation for my virtual currency that I hold with them so that I can file my taxes. I had to file an extension with the IRS because I still have not hear from Robinhood a month later. I cant call them because they do not list a phone number and emailing or sending a message through the app has gone unanswered.
Consumer complaint received 2022-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-12-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (CA)

I am having a financial hardship. I did not ask you to extent the loan, I asked could you postpone the payment for a couple of months. If not can you lower the interest rate and payment. I had perfect payment history until covid 19 happened, everybody is loosing their jobs and XXXX  has shut down again. All I am asking is you work with me.
Consumer complaint received 2020-07-28
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: GOLDMAN SACHS BANK USA (FL)

Around XX/XX/2020, my wife and I looked into a debt consolidation loan with Marcus by Goldman Sachs. The website specifically said that checking into the available interest rates would not affect our credit score. In fact, we never even completed the information form to get the interest rate. Yet, I later noticed an unauthorized credit inquiry to XXXX  from this company. After trying to call Marcus by Goldman Sachs on two different occasions to have them delete the unauthorized inquiry ( on XX/XX/2020 XXXX, I was not able to get through. In fact, I couldnt even leave a voicemail as their phone system, while I was on hold, hung up on me two times in a row. Then, I tried to call XXXX  to have them delete the inquiry but their phone system only allows one to obtain an annual credit report. Though I tried to access a real person, their system would not allow it. Please help me have this unauthorized inquiry deleted. Thanks.
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NY)

Since XXXX XXXX I have been unemployed. Due to issues with unemployment, i did not receive payments until end of XXXX. I back then informed citibank of my unemployment issues and they reversed 2 ACH fee charges. 
XX/XX/2021, my unemployment was completed, no extension available. Unfortunately, I was sick with XXXX for 4.5 WEEKS. During this time payments to my creditors were on Auto Payment. This created an exorbanant number of charges to my checking account. CItibank has been calling me 2-3 times daily. I have explained to them I have been sick and to ill to manage my account. I am unemployed and have filed for Welfare. I was informed by the banking representative, he apologies for my troubles but i need to pay them for the return payments. 

I have a mortgage of XXXX a month, an exceeding past due and large electric bill. I have zero medical coverage. I can not afford to pay citibank for insufficient fund charges. 
The reps at citibank said there is nothing they can do this is a system issue. there is no manager i can speak with and i will just have to pay. 

I owe citibank over {$600.00} in insufficent charges, they did not cover any of the payments, these are insufficent charges. 

I have not one dollar to my name. 

No one at citibank will help me. Welfare is on a 6 week back up. Also attached is my electric bill validating i can not pay my bills at this time. I am in dire straights. 

Please help me.
Consumer complaint received 2018-05-09
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. (MD)

I am writing to request assistance with XXXX. I believe that the accounts they are reporting are incorrect. 

I recently pulled a copy of my credit report on-line and found that they are reporting the following inaccurate information in my file that is negatively affecting my credit score. 

Account Number : # XXXX Reason : Not my account/Inaccurate information - After careful review of my credit report. I have verified that this loan does not belong to me. I never authorized this loan. Please remove this from my credit report immediately. 

Account Number : # XXXX Reason : Your company has not provided me with a signed agreement by me that shows the original loan features of the loan, that states the repayment options, interest rate or with any other terms an conditions of the loan. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
Consumer complaint received 2018-05-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (LA)

I was applying for a loan modification and was told to send in documents before 7 business days prior to foreclosure sale date. Documents were sent before the due date and my forms were not reviewed. I only received a denial letter of the modification XX/XX/2018 stating my application was not able to be qualified because they didn't have a complete package. A case manager told me my documents was received on time but not uploaded to my application. The documents was received with an extra day to spare.
Consumer complaint received 2016-10-25
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Onity Group Inc. (GA)

This is a mortgage loan over 10 years and they still have it active. the home was foreclosed on by the homeowners association which I no longer have the property but they still call to pursue payment. saying that i still have the property I spoke with someone there they told me show them documents that the homeowners accumulated the property and they should Release Me From This death and they not have done so I went back got all the documents and email them and they did n't live up to the word.