davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (TX)

My name is XXXX XXXX and I am having trouble getting my mortgage company to admit their mistakes on paying my insurance dues for my property. Their mistake has now cost me additional insurance fee 's that add up to roughly 600 $ a month on my mortgage payment. I received a call from my insurance company in XXXX of 2018 that my policy was about to cancel since my mortgage company will not pay invoice ( my acct is escrowed for tax's/insurance ). My insurance agency said they have not been able to get this resolved after a few attempts. I got involved and called my mortgage company and they said they would pay the insurance fee 's. This did not happen, I received calls from my mortgage company and insurance company again that they were still working the issue. This went on for a few weeks until I had 2 weeks before my policy canceled due to lack of payment. I went to the insurance company and we called the mortgage company together to get resolved. When I left the insurance company I was promised a call from the mortgage company if it was not resolved, never received the call until after the policy was cancelled. My insurance company and myself went out of our way to get this paid, even though it should be the mortgage company since I pay them to manage my expenses. The Mortgage company added a temporary policy that is ridiculous in cost due to their mistake of not making invoice until after the policy cancelled. I requested multiple manager call backs from my mortgage company and never received any. I finally had to call the director of Regulatory affairs ( XXXX XXXX ) so he could help my get an investigation going. I received the investigation findings from the Mortgage company and basically they said it was my fault cause they showed they tried contacting me and I did not answer??? I have proof from my insurance company they invoiced my mortgage lender a few weeks before the policy cancelled and they reached out multiple times but my lender never followed up as they promised to pay my insurance fee 's. I have proof of the multiple calls I made and the insurance team to get this resolved and invoices made from my insurance team prior to cancellation. Not sure why I'm at fault, pls help Mortgage- Cornerstone Lending NJ branch Supervisors I spoke with prior to cancellation- XXXX, XXXX, XXXX. Other departments I reached out to for help- XXXX XXXX , XXXX XXXX in the Regulatory Affairs group. 
Insurance Agent- XXXX XXXX XXXX XXXX . Agent is XXXX that I worked with throughout this process. She also has proof of invoice and calls, emails, etc. 
Property address- XXXX XXXX, XXXX XXXX TX , XXXX I was advised by my legal representative to file this complaint with your organization as the first step. Hoping Cornerstone will finally acknowledge their mistake and wave the added fee 's. If not, we will move forward with an attorney and it will cost Cornerstone much more than they expect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX
Consumer complaint received 2023-03-31
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. (OH)

The Credit Bureaus stated my accounts XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, on all three bureaus have three different years when they start reporting about the same accounts. When the accounts where in good standings so-called late payment dates are inaccurate or missing from XXXX, XXXX, XXXX. A collection that is inaccurate. XXXX violations total is XXXX, between the XXXX accounts. Transunion violation total is XXXX, between the XXXX accounts. Experian total violations total XXXX between the XXXX accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1  ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2018-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (GA)

Cavalry claimed it had two accounts that they were collecting on that were allegedly owned by them and the debt was allegedly owed by me. I wrote a letter and mailed it on XX/XX/XXXX but they refused to respond. I have never received any demand letter for the accounts listed in the responses provided by the company. The following was the quote response on Ms. XXXX credit report in XX/XX/XXXX regarding two ( 2 ) accounts that its affiliate, Cavalry SPV I, LLC, owns. The Cavalry accounts in question are Cavalry account XXXX and Cavalry account XXXX. Pursuant to 15 U.S.C. 1681b, Cavalry had a permissible purpose to review Ms. XXXX credit report because Cavalry intend [ ed ] to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving thecollection of an account. Calvary does not offer credit and I don't owe anybody an uncollectible debt.
Consumer complaint received 2020-09-12
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2018-06-14
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. (GA)

Since 2016, I have been in dispute with two of the three credit reporting agencies, XXXX and Experian, regarding the unlawful reporting of a Chapter XXXX Bankruptcy that does not belong to me. I have contacted the Florida Bankruptcy Court regarding this matter and was informed that they do not give out anyone 's full and complete social security numbers nor addresses. I was also informed by the Florida Bankruptcy Court that a bankruptcy report or listing does not have the consumer 's complete social security number listed. I submitted letters to Experian and XXXX on numerous occasions trying to explain this information to them and informing them of my mistaken identity. These two credit reporting agencies continue to report this Chapter XXXX Bankruptcy on my reports. I froze all of my credit files with several credit agencies such as XXXX XXXX, XXXX XXXX, etc. Therefore, no one has access to my information, not even myself without a private pin number that was personally assigned to me. Experian nor XXXX are legally investigating my disputes, if at all and responding to me with false information that the bankruptcy was verified, yet no one can tell me how the report was accurately verified when it does not belong to me.
Consumer complaint received 2018-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TN)

Midland Funding who is collecting for XXXX XXXX XXXX  was paid back in the middle of XX/XX/XXXX. I got a loan and the bank sent them a check to pay it off. After WEEKS, I asked the bank to stop payment on the first check and send another, WHICH THEY DID IN XX/XX/XXXX. This company goes and finally attempt to cash the FIRST check even though I told them it had a stop pay on it! They still do not acknowledge the SECOND check, and I call these people twice per week! I do what they ask, and it does no Good! WHAT is this companies problem?? 
It has been paid TWICE now and still on my credit report! I have to repeat myself every time I call the company! They do not read, listen, or document accounts! 
The cancelled my settlement due to THEM NOT RECEIVING THE BANK CHECK on time EVEN THOUGH THE BANK SENT IT ON THE DATE WE TOLD THEM! 
THIS COMPANY IS UNPROFESSIONAL AND ABSOLUTELY NUTS!
Consumer complaint received 2021-02-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I disputed all of the fraudulent accounts on my report. I have not receive any notices from the credit bureaus. None of the items that are reporting delinquent is accurate. I sent notices and by law the bureaus have 30 days to provide a written explanation I have yet received anything. It has been over days!
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have been furloughed in 2020 between XXXX. I have applied for mortgage forbearance and Fifth Third Bank granted me 6 months. In XXXX I called the bank to inform them Im back to work and I would like to restart payments. I have never received nor signed a forbearance contract. Nor I was informed that at the end of the forbearance I would have to repay the missed payments. In XX/XX/2020 Ive noticed in my mortgage statement that the entire missed amount is due. I called the bank and they said they will send me a mortgage addendum to have the missed payments applied to the loan. Addendum received, signed, notarized and sent back. I received a new addendum to sign due to the fact the first one was missing my wifes name as a co-borrower. I executed the second addendum and sent it back timely. 
In XX/XX/2020 I have noticed the bank reported late payments to credit bureaus for the months of XXXX, XXXX, and XX/XX/2020. I have NEVER had a late payment in my credit history. I called the bank multiple times to have the reporting corrected. After months of calls and inquiries, the bank informed me they will not change the reporting since I have not paid back the missed payments on time?! 
I hope my above explanation of the events is showing how I obeyed all rules and instructions at all times. I have never been informed ( in writing or by phone ) that I would have to pay the missed amount at the end of the forbearance. How would that help the customer anyway? I was out of work ( due to pandemic lockdown ) and immediately after starting work I would have to repay few months of missing payments??? 
I also want to mention that Im current with my mortgage loan. 
Thank you for the attention given to my case!
Consumer complaint received 2021-11-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

debt was started with HSBC in form of credit card approximately year XXXX. After financial difficulties I was no longer able to pay debt. I owed XXXX dollars or so as balance. After communication with XXXX XXXX in XXXX, I stated debt was old and uncollectable however XXXX agent stated that the clock to recovery was reset due to my communicating with agent. Phone calls are daily on home phone and cell phone. I recently checked my credit and XXXX  is not listed but I still get harassing phone calls.
Consumer complaint received 2019-01-08
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. (NJ)

On XX/XX/2019 I was informed through XXXX XXXX which is who I use to check my credit report that someone checked my credit and a new inquiry was added to my Transunion and XXXX  report. I checked into my credit report and found it was indeed on there and it was a " hard inquiry ''. The inquiry was from XXXX XXXX XXXX  XXXX XXXX. The only address that came up is XXXX XXXX, XXXX XXXX XXXX, UT XXXX. Phone number is XXXX. I called this number and the automated voice wanted an account number or a FULL Social Security number. I tired to get customer service but was unable so I hung up. I did not give any SS #. I DID NOT give permission for this and have not even gone to apply for anything credit wise, so it must be that someone else has my information. I looked into what a hard inquiry is and found it stays on your credit report for two years. This scares me and I will now write a letter to those two credit bureaus and tell them it is an era, but wanted to report it to you also. Please help me make this right. 
Thank you
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

I have previously disputed my accounts with XXXX and XXXX XXXX indicating the creditors have consistently reported inaccurate information yet they have replied to the past disputes stating the information is correct. 

XXXX : XX/XX/XXXX : the creditor reported to XXXX XXXX my account was 90 days late, the account was reported 150 days late to XXXX, 120-149 days late to XXXX ; XX/XX/XXXX : the account was reported 120 days late to XXXX XXXX, 180 days to XXXX  and 120-149 days late to XXXX. Because of the inconsistent reporting, there are various time frames when the accounts will age and be removed from my credit files. Due to the inconsistent reporting, my credit score also varies and this shouldn't be if the creditor would have reported the correct information. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XXXX : XX/XX/XXXX and XX/XX/XXXX the creditor reported the account to XXXX XXXX as a charge off ; XX/XX/XXXX and XX/XX/XXXX is when the creditor reported the account to be a charge off to XXXX ; it was not until XX/XX/XXXX that the creditor reported the account as a charge off to XXXX. With regards to late reporting : XX/XX/XXXX the creditor reported the account as ok to XXXX XXXX, Good standing to XXXX  and 30-59 days late to XXXX   ; XX/XX/XXXX they reported 30 days late to XXXX XXXX, OK to XXXX and 60-89 days late to XXXX  ; XX/XX/XXXX the creditor reported OK to XXXX XXXX and XXXX  and 90-119 days late to XXXX  ; XX/XX/XXXX the creditor reported OK to XXXX XXXX, 30 days late to XXXX   and 120-149 days late to XXXX. This is very inconsistent and unfair reporting. It appears when the disputes were received via the credit and or CFPB the creditor did not take the time to compare all of my credit files. Because of these inaccuracies, my credit scores vary on each of my credit files and over the years I have been denied credit depending on which credit report is requested by the creditor I've applied for a credit card or a loan. Because of theses inconsistencies, I am requesting the creditors remove their tradelines from all 3 of my credit files. See attached.
Consumer complaint received 2018-08-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Stark Collection Agency, Inc. (TN)

The Stark Collections agency in Wisconsin has contacted me approximately 3 months ago regarding a debt with XXXX  for phone and internet. I explained then that the debt was not valid, that I was disputing it, and that I would like validation MAILED. I have received NOTHING. They reported to the credit bureaus as owing {$510.00} for 5 months when service was was cancelled. XXXX  is a horrid company, and NOT an honest company, and Stark Collections is refusing to send documentation.
Consumer complaint received 2018-08-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP (TX)

Vehicle lease was turned in, was not aware there was a lease turn in fee. No notifications sent to me. Had a XXXX $ fee when I checked my old account which was later taken off due to Honda loyalty buyer and submitted paperwork. Mine and my mothers credit dropped as she was the co signer due to a separate {$20.00} fee that i was unaware of. Tried to resolve it, paid the XXXX $ and they would not take the report off of mine or my mothers credit. Lack of communication on their part and I would never hurt my or my mothers credit score over {$20.00}.
Consumer complaint received 2018-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I had several credit cards that were through XXXX XXXX. I had been in good standing with these cards, paying every month over the balance due and even paid off all my cards. The problem : I got married in XX/XX/XXXX and my last name changed to XXXX. It does not seem to be a coincidence to me that as soon as my name changed this company closed all credit cards that I had through their bank. I did submit an earlier claim about my student loan company ruining my credit, but that had been fixed in XXXX. I have been working hard to rebuild my credit, but now since XXXX XXXX closed 3 of my accounts, it has further harmed my credit. I don't get it-I paid on time, over the amount and then paid off my cards and they cancel me??? I truly feel that I am being discriminated against since I had a name change. Although their letter states high balances ( my student loans-which last I checked a good portion of Americans have high student loan debt ), late payments ( because my student loan company posting 8 or so different entries ). I just don't think I have been treated fairly.
Consumer complaint received 2018-08-19
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I had been foreclosed on by Wells Fargo and I had paid PMI. I had to do a short sale on my home even though I was told by Wells Fargo that I could afford the mortgage, but could not get a modification through Wells Fargo. I believe it was because they could collect the PMI. I had lost my job and had to start a small business which provided income for me to afford the mortgage, and that business continues today. I spent {$9000.00} for attorneys to fight this and it was an impossible situation since Wells Fargo would not modify the mortgage.

How can I find out if I was part of the error that is labeled a " computer glitch '' in the news about Wells Fargo?

Also, something for the CFPB to consider that PMI leads to more foreclosures since the mortgage company gets paid in full, they have no incentive to modify when they can get the insurance claim paid, rather than modify a loan.
Consumer complaint received 2022-09-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BROCKELBANK INC (MI)

This company has continued to try to collect a debt for an incorrect amount. There was an amount that was supposed to be billed to my insurance company but it was not. Despite speaking with the original company about this multiple times, that information was not relayed to the collection agency, who is now reporting a collection on my account. I have no problem with paying the correct amount, but since the original company didn't bill my insurance company, there was no way to know what the correct amount is. I attempted to give the company my insurance information multiple times, but they still continue to claim that they never received it. Instead of getting the correct balance information, the collection agency started reporting the incorrect amount as a collection on my credit report.
Consumer complaint received 2018-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Accounts on Experian and XXXX  have been closed but still show as deliquent. There are inquires that should be on the reports. 
XXXX  XXXX XXXX XXXX These accounts are not suppose to show
Consumer complaint received 2022-08-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

The company has failed to provide me with an investigation result for over 60 days. However, I requested you to send me the result by mail to the address on my profile.
Consumer complaint received 2023-03-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TN)

A company reached out to me stating that I owe a debt, yet there was no supporting documentation for this claim. I want this account to be removed from the consumer report immediately. I do not know this company and I am sure have not been in a contractual agreement with them. I want this account to be removed immediately.
Consumer complaint received 2022-07-08
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX has 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 a account without my written instructions
Consumer complaint received 2018-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I submitted a dipute with Experian indicating that XXXX XXXX   had incorrectly reported a balance on my Experian credit report. This account was included in chapter XXXX BK XX/XX/XXXX and discharged XX/XX/XXXX. I received a recent Experian Credit report Dispute Result Report # XXXX with XXXX XXXX   account # XXXX and its showing current change off starting XX/XX/XXXX through current date. This is a FCRA violation and Experian and or XXXX needs to correctly report as ND ( no data reporting ) due to Bk chap XXXX in XXXX