davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (OH)

Loancare is reporting payments as late every month. They are reporting this to credit bureaus and this has trashed my credit score and made it impossible for me to even get a credit card. Their reported information is not acurate as all of my payments have been made on time and well within the grace period. The bills we receive every month still have the same language as my original contract which states that payments aren't late until after the XXXX day of each month. My wife talked to Loancare on the phone and this issue was fixed in XXXX but they told her at that time that it would probably happen the next month also. They basically told my wife at that time that they would report it as late even if they were paid on the due date because it hadn't been processed on their end at that time. Basically this has happened every month since then so I have been dealing with this issue for 7 months. I have filed multiple disputes and sent the records of all my payments from my bank that showed when they received each payment. Recently they have since gone back in and marked me as being late for the 3 months and don't even show my XXXX payment. They are not applying my payments on time and then they are saying that I am late. This is costing me a lot of time and now money as any rates I might qualify for are going to be terrible.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (OH)

There were unauthorized charges to XXXX with my debit card account number, therefore, I contacted my bank, closed the card and was authorized a new card. A few days later there were more XXXX charges to my account. Someone had used the new number without authorization. I do not have any type of account with XXXX and do not want anymore unauthorized charges. 
XX/XX/22 XXXX XXXX {$57.00} XX/XX/22 XXXX XXXX {$78.00} XX/XX/22 XXXX XXXX {$44.00} XX/XX/22 XXXX XXXX  {$59.00} XX/XX/22 XXXX XXXX  XXXX Key Bank is currently investigating this but the only action they have taken so far is closing out my debit cards. XXXX needs to stop charging my accounts since I do not have any accounts associated with that company.
Consumer complaint received 2022-12-15
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. (TN)

There were numerous inquiries on my credit report that I did not recognize. They are here listed below : XXXX XXXX XX/XX/2022 XXXX Bank XXXX XX/XX/2022 XXXX 's XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Ive filled a police report for identity theft and mailed copies to all of the companies listed. No changes have reflected on my credit report and I was not the person who requested those inquiries.
Consumer complaint received 2023-08-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (VA)

XX/XX/2023, I received a letter from Transworld Systems Inc about a collection of debt from XXXX XXXX XXXX. The letter advised to contact them by XX/XX/2023. Also, on XX/XX/2023, my significant other received a phone call from this company asking personal questions about me and seeing if he knew anything related about this debt. XX/XX/XXXX, I reached out to a nonprofit Debt Management company called XXXX XXXXXXXX XXXX to go over my options. She advised me not to contact the debt collection agency and that they would go through XXXXXXXX XXXX first. On XX/XX/XXXX, one of my sisters received a phone call asking personal questions about me and trying to collect a debt. Therefore, I used an online E-form to contact this company to tell them to stop contacting people that know me and to stop all communication with me until they have heard from XXXX XXXXXXXX XXXX. They have no right to contact my associates and they shouldn't have contacted me until after the date that they provided to me. What measures did they go through to get their contact information?
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Two fraudulent accounts were opened under my name within the last year at BOA. Both times, I stated that I believed this was being done internally, as there was no login to my account and my contact info was changed without any email notification. I complained through the CFPB about BOA, and in response, XXXX XXXX of BOA contacted me, chastised me for filing a complaint, and said BOA was considering all options in response to my complaint. As a lawyer, I recognized the threat in what she was saying. XXXX XXXX gave me her contact information to follow up with BOA on its investigation into my complaint, but since that time, she has ignored 4 calls and 3 voicemails that I left her looking for an update. So Im filing a further complaint against BOA and XXXX XXXX.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (NC)

I previously sent a security freeze request letter to CoreLogic. Still, in their response letter they sent me back, they told me that CoreLogic Credco is a reseller of consumer report information provided by the three National Consumer reporting agencies, so basically, they are not able to put a security freeze with the credit bureaus on my behalf when I did not ask them that because I'm asking CoreLogic to place a security freeze on my CoreLogic credco Consumer Report. I also sent CoreLogic all the information they needed, including a copy of my driver 's license, social security card, and utility bill. However, they still did not place a security freeze on my CoreLogic consumer report, so now I'm filing a complaint against them. I also have a copy of a security freeze letter that Corelogic previously placed for me in 2019.
Consumer complaint received 2022-10-15
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. (CT)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-15
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. (ME)

These issues are from applying for one personal loan threw a suggested XXXX XXXX company let me add it even said " we do not do hard inquiries on your credit so not to worry '' and all of the sudden multiple companies are on my credit report doing hard inquiries i have 100 emails from various different companies saying your approved so i one of the companies the first time and they again sent my info to all these other companies and come to find out there not even lenders they are just the middle man. Its ridiculous how it works. Im sorry no offense to whoever is handling this i dont mean any thing bad towards you, however i am just frustrated. Everything that I applied for it said I was preapproved for and it said it would only do a soft credit pull. I never authorized any hard pulls for any persona loans anywhere. My score was climbing and now its falling due to this. Please help. Anything you can do to help I would greatly appreciate. Thank you
Consumer complaint received 2023-03-24
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. (NY)

I filed a complaint against Experian credit bureau and their response was " I can't dispute credit scores ''. If I find an error on my score I should be able to dispute it. 
Two weeks ago my FICO score was XXXX, credit score XXXX. My balance across all accounts was {$81.00}. Experian dropped my score to XXXX stating that I was not using credit from revolving loan. XXXX XXXX XXXX raised it to XXXX. A few days ago Experian raised my credit score to XXXX. According to them my balance was now {$100.00} from XXXX reported to them on XX/XX/17. 
Why are they able to drop score by XXXX points when my balance is {$81.00} and raise it when it is supposedly {$100.00}??? 
I doubled check my XXXX account and also spoke to one of their agents. On XX/XX/17 I had NO balance with them. 
Based on that report of {$100.00} XXXX dropped my score by XXXX point. It's a small drop but it matters because in my opinion they are abusing their authority. 
I thought the CFPB was there to help with Credit Bureau problems but it appears not to be the case. Even when companies open fraudulent accounts no one bothers to help. 
IF I SHOULD NOT BE FILING COMPLAINTS WITH YOUR AGENCY PLEASE LET ME KNOW SIX MONTHS AGO YOU SAID THAT MY COMPLAINT AGAINST XXXX WAS SENT TO XXXX. TWO WEEKS AGO XXXX RESPONDED WHICH WASN'T A RESPONSE AT ALL!!! A NON RESPONSE THAT TOOK ALMOST SIX MONTHS
Consumer complaint received 2022-12-15
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. (TN)

There were numerous inquiries on my credit report that I did not recognize. They are here listed below : XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX 's XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Ive filled a police report for identity theft and mailed copies to all of the companies listed. No changes have reflected on my credit report and I was not the person who requested those inquiries.
Consumer complaint received 2023-07-17
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. (NV)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2024-02-13
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. (OR)

I contacted XXXX XXXX due to the fact that there were several non-mailable addresses, phone numbers emails, several different names that did not apply to me And ask them to remove them from my credit report, as well as ask them for the third-party agencies that shared this information and violated the privacy act of 1974 XXXX XXXX did remove them from my account but would not share the third-party agencies as to. I am eligible for compensation at {$1000.00} per violation from this company and I am looking for my compensation. There was XXXX items removed from my account that I am owed compensation for as well as the physical and emotional distress. This has caused me from being denied due to these items, being on my account and impacting me and many different ways! I am looking to report these companies and also collect compensation due to this. I believe I am owed XXXX for the XXXX items and another {$8000.00} for emotional and physical distress for a total of {$27000.00} from XXXX. They have violated these statues and rights and violations of privacy information and I Opd out of this! As well as reporting payment history which is illegal and charge offs which is a certificate of inedebtness and is reported as income and is not reportableXXXX XXXXXXXX, XXXX, and Experian have all violated these laws and I would like compensation for that as well {$1000.00} per violation I am counting over XXXX violations on my credit report, as well as a physical and emotional distress due to not getting fair credit they are all guilty for violating the privacy act of 1974 and many other federal laws and they have over XXXX inquiries on each creditors report that are illegal a well! 


Rights violated - Privacy act of 1974 Ucc 1681 Ucc 1692 15 usc 6802 -6805 16cfr 313 16 car 433.2 & 3 15usc1692
Consumer complaint received 2015-09-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY (VA)

Selling house found issue on vhda loan. I must have forgotten to pay the XXXXdollars on my loan and got no correspondence that I was late. I was trying to change my name on my loan and they told me a month ago I was 30 days past for 7 months. The man I originally spoke with said they had sent out a letter every month for seven months that they had proof of that. I squared up this month. Meanwhile selling my house and I 'm told I need a statement of my loan history for my lender. Apparently this is a big problem being late on a Morgage payment so I spoke with me XXXX XXXX he said it was OK. So I signed my papers and finished off my loan. When I talked to him next we determined it had n't gone to credit reporting. Because I had filed bankruptcy. Then he said he would get back to me later that day, the next day same thing he did not. I had left messages and let him know how bad of a situation I am in with my XXXX dogs, husband, so, and my XXXX mother XXXX ... no response. I insisted not be sent to voicemail ... wanted to speak to his boss he was out got sent back to him. He know explained that because I filed bankruptcy they are not obligated to send out notices ... XXXX XXXX XXXX has no problems with this.they are my first Morgage company. I am in a huge pickle and feel seriously misled. Hoping my family and I sent going to end up without a home.
Consumer complaint received 2020-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

In XXXX of 2020 I called Fedloan servicing because I saw they had increased my principal balance by over {$4000.00} without telling me, warning me, or saying why. They also retroactively applied payments I had made months and years past towards this new amount as interest. I only figured it out on my own when comparing monthly statements they sent me. It WAS NOT interest capitalization they said when I reached out, but I knew that already because I had been making payments for years, and every month I paid extra and hit the interest accrued AND principal balance in my payment, and I was seeing both go down steadily. They, after several hours and several phone calls, could not tell me what it was from. They eventually said it COULD be from a previous loan that had gotten lost when transferred to fedloan from a previous servicer ... but Ive NEVER had a previous servicer besides fedloan for my federal loans. The last phone call I had with them in XXXX or so they said they would contact me when theyve finished their investigation but that still hasnt happened. If I hadnt of caught them doing this, they would have never even told me. This extra balance is still on my student loan, and one lady I spoke with at fedloan said she had seen something like this before on her end, but not only did she not have any answers for me, but she said the student whos account this was DIDNT EVEN KNOW IT WAS THERE. I dont mind paying something I owe, but to just increase my balance because of some error and then make me pay for it is insane. 
In the attachments youll notice that the billing statement total for principal balance, when added together, does NOT match what is listed on the second attachment.
Consumer complaint received 2023-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2019-11-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MD)

My husband and I have been trying to complete a loss mitigation package for months. The process started back in XXXX or XXXX. We have sent in several mitigation packages and tons of documents that were requested. We have been denied twice, due to the company saying that they did not receive all of the documents. Our most recent try was on XX/XX/2019. We sent a new packet, along with all of the requested documentation. The company would have received this on XX/XX/XXXX. When we called in to check the status, we were told we were still missing documents. My husband then spoke with a XXXX ( ext. XXXX ), whom told us that he found everything and would send it back to underwriting for further review. We receive a letter from the company, on XX/XX/2019, saying that they still need 3 months of bank statements, Year to date profit and loss statement, 30 days of most recent pay stubs. Since we just sent this information on XX/XX/XXXX, there isn't any recent information to provide to this company, as we provided the latest documents. It's obvious to us, that the company is giving us the run-around or the underwriting team is completely incompetent! As consumers, we feel that the possible loss of our home is not a concern for this company, while we have XXXX kids of whom we are trying to provide stability for. 

What's more puzzling is, around XX/XX/2019 we were told that our packet was complete and we would receive a decision within 30 days. Around the XXXX week of XXXX, we then were told that we had to complete a new packet. I am not certain of what is happening in this mortgage company, but we are getting nowhere in trying to get this mitigation completed. I am hoping that this complaint will reach someone in corporate, whom will see to it, that our file is properly reviewed and processed. We have been stressed for months and now with the holidays coming, this matter/this company has killed any idea of holiday spirit!
Consumer complaint received 2020-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2020-02-26
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. (FL)

2017 I opened my account with XXXX XXXX service and my account after six months the paid in full trade line was mysteriously deleted from all credit reporting agencies without just case.
Consumer complaint received 2020-02-26
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are 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 your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2021-06-16
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: DISCOVER BANK (NY)

the following accounts are reported on my credit report without any authorization, it is hurting me DISCOVER PL Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX/XXXX/XXXX  Account Number : XXXX This is not mine.