davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (SC)

Navient has been harassing me I have a private loan with them and it started at XXXX and its now at XXXX and the options they offer me the forbearance they told me to take them ans I did not know it would balloon up on XX/XX/XXXX I sent them a cease and desist letter to have them stop calling me I would only stick with written correspondence. Well on XX/XX/XXXX they started call me I spoke with a supervisor XXXX his code is XXXX and he told me he did receive it I told him that according to the Fair debt collection practices act that he was violating it by calling me and he told me that according to state law he can call me
Consumer complaint received 2019-07-29
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 — Problem with personal statement of dispute
Company: CMRE Financial Services, Inc. (CA)

Towards the end of 2018 I paid a collection from CMRE FINANCE in the amount of {$120.00}. I though that the visit to the hopital was covered under my insurance which is why it was not paid in the first place. It was my understanding that if I paid the debt it would be removed from my report as a collection. It is still on there and CMRE has been incredibly unhelpful. I have called to ask if they could please remove, I would even pay a fee. However they refuse. This one collection is GREATLY affecting my life by preventing me from purchasing a home.
Consumer complaint received 2022-11-30
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. (FL)

On XX/XX/2022 I submitted my dispute to all 3 major credit reporting agencies and I havent received any correspondence from neither reporting agency and I have proof of my dispute was delivered and it is pass the 30-45 mark. 
XX/XX/2022 XXXX XXXX {$1500.00} XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX {$19000.00} XX/XX/2022 XXXX XXXX XXXX {$610.00} XX/XX/2022 XXXX XXXX XXXXXXXX XXXX {$150.00} XX/XX/202XXXX XXXX XXXX XXXX {$1300.00} XX/XX/2022 XXXX XXXX  XXXX {$2200.00}
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I established a freeze on my Experian account in early XXXX. Now I am unable to do a temporary lift on the freeze online, despite the fact that I have my current password and pin, and I likewise can not successfully do so via the telephonic voice response system. Worse, I can not find a way to speak to a human being. So the only option offered by Experian is to mail in various verifications and then wait 10 business days. I need to access my credit now, and can't wait 10 days.
Consumer complaint received 2020-02-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

Following a mortgage refinancing, Dovenmuehle erroneously debited my bank account on XX/XX/2020 for a payment XXXX {$2800.00} XXXX on the closed loan account ( # XXXX ). I immediately requested refund and confirmed my mailing address multiple times. Dovenmuehle stated the refund check was mailed on XXXX/XXXX/2020, but I never received it. I called every week to confirm that it was mailed, and I reported I had not received it. I was told that although they can see that the check was never cashed, they can not cancel it, and I needed to wait 30 days before another check could be issued. After 30 days I spoke with supervisors again on XXXX/XXXX/2020, who stated Dovenmuele will re-issue another check and mail it again -- the same method that failed last time -- and that if I do not receive it I will need to wait another 30 days. When I called today ( XX/XX/2020 ) I spoke with a supervisor ( XXXX  ) who told me they have directed an investigation to see if the check has cashed, and that I will have to wait for the results of that query before a check can be re-issued. Although Dovenmuele can automatically debit my account, they state they are unable to refund my money any other way. Every call is met with excuses, new process requirements, and inaction. My family is being punished for Dovenmuele 's mistake, and inability to overcome their own inflexible process.
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (OK)

Faxed a request to have PMI Insurance removed from my mortgage payment XX/XX/XXXX, Contacted via phone of status on or about XX/XX/XXXX was advised request received and someone should call back in 7 days, Contacted via phone about XX/XX/XXXX after 1 hour wait was told still in process someone should call back in 7 days, Contacted via phone about XX/XX/XXXX again was told someone would call in about 7 days. Current balance about {$150000.00} current sales comparable value is $ XXXX to $ XXXX well within the XXXX % rule, I have estimated current value @ $ XXXX. I faxed 18 pages of comparable and letter requesting PMI removal on XX/XX/XXXX, spent hours on hold and only getting the same answer. 
Loan XXXX Citizens XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX
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: EQUIFAX, INC. (CO)

Equifax and XXXX  are reporting incorrectly a charge-off in the amount of {$370.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection account is in Georgia. This false reporting of a collection on an account that isnt mine is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
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. (CO)

XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$3800.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection account is in Georgia. This false reporting of a collection on an account that isnt mine is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Exeter Finance, LLC. (MD)

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from EXETER FINANCE CORXXXX located at XXXX XXXX XXXX XXXX, TX XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2020-06-07
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)

This is not a valid debt. yet it is showing on my credit report from Transunion, XXXX, and XXXX. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. I have also signed up with XXXX XXXX XXXX for internet and was required to go through a credit check with XXXX XXXX XXXX and other XXXX XXXX XXXX companies. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. It was resolved as paid in full. I have not entered into a contract with XXXX and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor. It was resolved as paid in full. I have not entered into a contract with XXXX and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Dear Transunion please remove the block and the exstended fraud alert from my credit report, I never gave you Permission to but a block on my report or the extended fraud alert on my file, remove all blocks and fraud alerts on my file. Cease and Desist from reporting any thing that I do not give you permission to do. Remove it immediately
Consumer complaint received 2020-02-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (IN)

I am selling my home and the title company attempted to obtain a payoff from Freedom Mortgage on XX/XX/2020. No response was made with the title company ( XXXX XXXX ) reaching out again on XX/XX/2020 with the 2nd request, twice in that day. On XX/XX/XXXX, Freedom finally responded stating they were unable to move forward with the request because the signature on the auth did not match the name on the loan. ( I had gotten married since buying the house and had a name change, however the loan number and social sec number were correct on the auth ). On XX/XX/2020, XXXX XXXX resubmitted the auth again in the new name. No response from the mortgage company. On XX/XX/XXXX, the XXXX XXXX reached out again for the request stating that the closing date was set and we needed the payoff info ASAP. No response from Freedom. The title company AGAIN reached out on XX/XX/XXXX asking for a status as the closing was set for XX/XX/XXXX. Still no response. On XX/XX/XXXX, XXXX reached out to me asking if I would personally call to attempt to get the information. XXXX also called Freedom Mortgage and was told they have no other requests in their system other than when I called to personally ask for the information myself on XX/XX/XXXX. There is a documentation trail of all these requests and dates with Freedom not complying with the request. Freedom informed me that they have " 7-10 days '' to respond to anything and they are saying they will NOT give me the information until Friday XX/XX/XXXX which is 72 additional hours from when I called myself for the info. Due to the fact they are unwilling to budge on providing the information sooner, this has delayed 3 closings that were to happen concurrently. Despite asking for a supervisor, which I was never given access to, they refuse to give the information until mid-day Friday  XX/XX/XXXX although the first attempt was made XX/XX/XXXX with little communication on Freedom Mortgage 's part through this entire process. This has caused a huge inconvenience for many people involved that should have not occurred due to their untimely responses and refusal to provide the information that was asked 18 days prior.
Consumer complaint received 2024-04-03
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

Today, XX/XX/XXXX, my spouse and sister-in-law received calls and voicemails form ( XXXX ) XXXX regarding an existing balance providing my personal information such as First & Last Name, Last four numbers of SSN, address, and stating I provided their phone number to be reached at. The voicemail states there is a case number of XXXX and provide an additional phone number to be reached at, ( XXXX ) XXXX, which is different from the phone number calling my relatives. Since I can not speak XXXX well, I asked my son to call provided number giving the case number provided, the person he spoke with at the number provided, ( XXXX ) XXXX, states I have an outstanding balance of approximately {$7000.00} with a JCPenney credit card dating between XXXX and XXXX. I have an active credit card with JCPenney which does not have an outstanding balance. I believe this matter to be false, my concern is that they did provide the last four numbers from my SSN.
Consumer complaint received 2019-07-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Experian Information Solutions Inc. (CA)

I am currently trying to get an Auto Loan for a used car and am unable to. I have applied and have been denied an Auto Loan through XXXX twice. Once on Friday, XXXX, and another time on XXXX. Each time XXXX has denied my application due to the inability to verify my identity. It is stated that this information was received from Experian. XXXX stated that the statement " Unable to verify applicant 's identity '' is from Experian, and Experian is denying the credit report to XXXX because of the inability to verify my identification. I called Experian and they stated my credit report looks perfectly fine as well as my personal information and they could not help me with the issue. They recommended I try to file for further research on their website and include documents. The only document available to me is the denial of the auto loan. I am trying to clear up why Experian is not sending XXXX my credit report.
Consumer complaint received 2020-02-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: REGIONS FINANCIAL CORPORATION (TX)

I am re-filing a complaint against Regions Bank regarding a loan for a boat that was paid off in 2015. The information I received from you regarding the former complaint ( XXXX ) from Regions Bank was their claim that the title was mailed to me in 2015. It was never received. Also claimed by Regions Bank was the PDF copy you furnished me claiming the lien release was sent as was the letter from the bank. 

I received a BILL from these people for five years without fail. The address, the name the physical address, and the post office around the corner ( we live n a town of less than 300 people ) remain the same. I have talked to our postmistress to be sure there was nothing amiss. We know each other on sight so there is no confusion about who I am or my mail delivery. 

FIVE YEARS I RECEIVED A BILL REQUESTING PAYMENT AND FOR FIVE YEARS I PAID IT. THERE WAS NO PROBLEM WITH MAIL CORRESPONDENCE UNTIL THEY GOT THEIR MONEY!!!!!!!!!!!!!!!!!!!!!!! 

NOW SUDDENLY I CAN NOT GET A TITLE REPLACED BECAUSE I CAN NOT GET A LIEN RELEASE. I HAVE A {$34000.00} WATER CRAFT THAT I CAN NOT SELL OR TRADE AND WILL NOT BE ABLE TO CONTINUE TO REGISTER THE BOAT TO BE ABLE TO USE IT ON PUBLIC WATERWAYS. YOU CAN NOT TALK TO A REAL PERSON AT REGIONS BANK.. YOU SIMPLY GET INTO THE NEVER ENDING LOOP OF RECORDINGS AND REFERRALS WHICH ALWAYS ENDS UP IN THE SAME PLACE. 

I AM AT THIS POINT OUT OF OPTIONS. FOR FIVE YEARS I RECEIVED MAIL FROM THEM. 

MY INFORMATION HAS BEEN THE SAME FOR FORTY EIGHT YEARS. 


PLEASE HELP.
Consumer complaint received 2020-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

information on my credit report is wrong, this account is showing up on my report, XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, GAXXXX ( XXXX ) XXXX, this information is false, and is not mine. Please block remove or delete this account.XXXX  XXXX  XXXX  XXXX  XXXX   XXXX  XXXX  XXXX , GAXXXX ( XXXX ) XXXX, from, my Transunion report
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: EQUIFAX, INC. (CO)

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$3800.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection account is in Georgia. This false reporting of a collection on an account that isnt mine is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
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. (CO)

XXXX  and Experian are reporting incorrectly a charge-off in the amount of {$370.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents as follows : 1040 form ; XX/XX/XXXX tax return ; XX/XX/XXXX tax return ; Letter of Employment ; XX/XX/XXXX W2 and XX/XX/XXXX W2. Every document attached is verifying that I reside in the State of Colorado  and I have never lived in any other State other than Colorado. This collection account is in Georgia. This false reporting of a collection on an account that isnt mine is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

on XX/XX/22 i went to USPS Service to do my daughter passport i gave a check and the check came back with non sufficient fund. so i would like to know what to do now because i tried calling the place called XXXX to try to see what my next step is i called like 20 times and left 3 XXXX  no one has gotten back to me.
Consumer complaint received 2022-01-25
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. (NM)

On XX/XX/21 I had sent out credit dispute letters about some accounts that definitely werent mine and i had no idea about that were Fraudulent and other accounts I wasnt to sure about and sent them dispute and verify letters to all three ( 3 ) credit bureaus Equifax, XXXX, and XXXX and Legally they had 30 days to respond and they failed to do so, to prove and validate the debt and negative items reporting on my credit profile impacting my credit score and ability to obtain credit such as personal loans, Mortgage Loans, Auto Loans and house hold items like furniture and appliances ect and causing financial injury and emotional and financial distress.! I will attach proof of documents I sent and mailed out.!