davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (TN)

On the day of closing, which is listed on my Closing Disclosure as XX/XX/2022, I called Broker Solutions Inc dba New American Funding at around XXXXXXXX XXXX. My loan agent said they were about to call me, because I need $ XXXX {$900.00} more for additional title fees because your title has a special lien showing XXXX as an owner and that's not normal. I explained that this is normal for any existing mortgage for the mortgage company to have a lien on the title. I was then directed by my loan agent to her supervisor, who told me the same thing. I told the supervisor that I have a Closing Disclosure, they chose the title company, and that they can not spring fees on me the day of closing. He tells me I don't have a CD, even after sending a picture of it to him with the closing date clearly on it, noting that it is a Final CD. The supervisor even threatened to let my rate lock expire, which has already been extended once, if I didn't go ahead and pay the extra money charged by XX/XX/XXXX when it expires! And then noted that that would be an extra charge as well. It has been a complete nightmare. There is so much more that I honestly need to talk with an agent, because it's too much to type. XXXX XXXX is the name of their titling company used, for reference. Please help! I know this can not be right.
Consumer complaint received 2020-02-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duvera Billing Services, LLC (CA)

I had fallen behind in payments. To help me out XXXX XXXX sent me an Exclusive Offer where it agreed in exchange for a {$10.00} payment to readjust my payments to {$57.00}. Since then, the company has contacted me to collect at least {$150.00} over that amount, In XX/XX/XXXX, I spoke with a representative who tried to collect nearly {$250.00}. I asked why the amount was so high and the representative let me know that it was trying to collect {$150.00} plus additional fees ). I asked about the Exclusive Offer and the representative let me know that the  company received it. for a Supervisor to call me back to make sure that my payments were adjusted and to explain to me why fees were added on after our agreement? To this day, I have not received a call back from a Supervisor. 

Yesterday, I received an email from XXXX XXXX about some other offer to reduce the total amount owed. Today, I spoke with an XXXX XXXX representative named XXXX who told me that I had to pay well over the amount of {$57.00} and that my account is in collections. I let XXXX know that we had an agreement that XXXX XXXX never followed through with and it illegally has sent my account to collections. I let XXXX know that I would be contacting the CFPB to file a complaint. 

This company, in XX/XX/XXXX, received my payment to readjust my payments and it never followed the agreement it led me to believe we had.
Consumer complaint received 2022-08-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

In accordance with 15 USC 1681 ( a ) ( 1 ), The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. Over the last 4 months, I have sent Experian countless letters requesting that Experian delete the accounts, XXXX XXXX and XXXX XXXX  XXXX investigated both accounts and removed them on XX/XX/2022. Experian is required to follow reasonable procedures to assure maximum possible accuracy which Experian has failed to do. I have provided Experian with an abundance of evidence of the inaccuracies furnished on my consumer report which Experian has failed to correct. Experian has failed to exercise their grave responsibilities with fairness, impartiality, and respect for my consumer 's right to privacy in accordance with 15 USC 1681 ( a ) ( 4 ). Im demanding Experian delete accounts XXXX XXXX and XXXX XXXX from my consumer report. I have attached the document from the CFPB of the deletions of these accounts from XXXX. This IS NOT an investigation request. I am Demanding these accounts be deleted. SEE ATTACHED DOCUMENT.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have the following Case numbers created by Experian based on my multiple phone calls with agents requesting a method of verification of the Bankruptcy shown inaccurately on my Credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have not received a sufficient substantive response to my request that the CRA has responded online simply stating that The dispute for the bankruptcy named US BKPT CT CA L A was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

What company? What is the name of the company? 

From my multiple phone requests, one agent said it was XXXX XXXX. But when I contact XXXX XXXX they have no record or verification that bankruptcy exists on my credit report. I have attached a copy of the credit report from XXXX XXXX This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all the relevant information I provided by you to the creditor for their investigation of my dispute. 

i request and requirements under the law from Experian all the information used for the investigation, as required by FCRA 611 ( a ) ( 7 ). 

i request all erroneous incorrect bankruptcy be removed unless it can be Verified. 

it has now been 325 days of the request for the verifying information. every time i make a request they file a new dispute like its some sort of game. 

i have also documented through certified mail that they have received such requests all are ignored, representatives even say they have received my request but never replied a supervisor " XXXX on XXXX XX/XX/XXXX said, " We dont provide that information '' when asked will you provide me the information she said " we do not provide that information ''. Experian does not do an investigation. and refuses to do so
Consumer complaint received 2017-09-01
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: CNG FINANCIAL CORPORATION (OH)

XXXX XXXX does payday and installment loans under " Check n Go ''. Every time you borrow money from them they go into your credit report even if you pay on time or have never had any problems with them they will put a new inquiry on your credit report. For example I just recently borrowed money from them and my loan will become due in three weeks they put an inquiry on my credit report the same day. In fact they will not let you get a loan or refinance a small loan without going into your credit report. They do it every single time you get any money with them big or small. 

They are unethical and ruthless with their practices. Do not use they 're services you will regret it when you see how many times they will put an inquiry on your credit report.
Consumer complaint received 2022-08-31
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: EQUIFAX, INC. (NJ)

On XX/XX/XXXX and XXXX and XXXX, 2022, I sent letters all three credit bureaus asking for them to remove bankruptcy off my report. They somehow claimed they verified accurate information yet, failed to respond to my questions of their methods of verification. XX/XX/2022 I resent letters certified with tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to any credit bureaus and they immediately said no and gave me correspondence stating that US Bankruptcy Court do not report or provide information to credit bureaus or any other agencies. XXXX sent me an opt out letter stating they protect my information. So, if thats the case, how did the credit bureau verify a bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 U.S.C. 1681. 15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency. When was such information obtained? You have violated my rights numerous times. You have violated my given rights under 15 U.S.C. 1681. According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy. According to 15 U.S.C.1681 section604 A. Section 2 : A consumer reporting agency can not furnish an account without written instructions. According to 15 U.S.C. 1681 s-2 ( A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NY)

SYNCB/AMAZON Potentially Negative Account Info Account NameSYNCB/AMAZON Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXXXX StatusClosed. {$350.00} past due as of XX/XX/2022. 
Status UpdatedXXXX XXXX  Balance {$500.00} Balance UpdatedXXXX  Recent Payment XXXX XXXX Monthly Payment {$51.00} Credit Limit {$380.00} Highest Balance {$590.00} TermsNA
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

Today in looking at my personal information on XXXX XXXX my account, I see that my address is Wrong AGAIN. I have corrected in via USPS mail many times over the years ( with my proofs of identity ) my CORRECT Address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Mass XXXX. 

The listed address on file for my ( Equifax ) ID account is Wrong it shows : XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, Mass XXXX MY home at XXXX is NOT an apartment!!!! It is a separate House!! XXXX. 

I corrected this so many times!, over the years and Again Now again my information is wrongfully, fraudulently being used by # XXXX XXXX XXXX ( a SEPERATE ADDRESS ) a different house!!! ( from mine at # XXXX XXXX XXXX ). 

This neighbor : XXXX XXXX at : # XXXX XXXX XXXX, XXXX, Mass XXXX is using this wrong address ( XXXX XXXX XXXX. XXXX XXXX XXXX  ) to set up accounts with this wrong address, making it appear that My home address at XXXX XXXX XXXX is an apartment at her house # XXXX fraud!!! My home is NOT AN Apartment!!! it is my house # XXXX XXXX XXXX. 

# XXXX XXXX XXXX XXXX, XXXX XXXX IS A DIFFERENT HOUSE ADDRESS!!!! 

My credit will be affected if this continues with this happening with my address. 

Equifax PLEASE Correct my home address to : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX
Consumer complaint received 2022-08-30
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OR)

during the COVID 19 pandemic, interest rates were frozen per the federal government. Navient XXXX XXXX continued to charge interest and other fees on account holders. 
My loan balance today was {$2100.00}, up from {$2100.00} last month. I made a payment in full today after realizing they were fraudulently adding fees and interest during the freeze ( which doesn't end until XX/XX/2022. There website shows them adding interest during the pandemic. I wish to be refunded the fees and interest that were fraudulently charged during the freeze. These accumulation of interest fees should not have been added until XX/XX/XXXX when the deadline begins repayment for all loan holders.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hello, I have recently discovered that I have been the victim of Identity theft in which such person [ s ] used my credit multiple times over the years. It wasnt very much money at first, thats probably why it was never noticed, but here recently I been trying to purchase a home so I started looking at my credit report more closely. 

In XX/XX/XXXX I discovered that the following Accounts have been opened Fraudulently : XXXX XXXX XXXX Acct # XXXX {$870.00} Opened XX/XX/XXXX ( secured loan ) XXXX  XXXX XXXX Acct # XXXX {$870.00} Opened XX/XX/XXXX ( secured loan ) XXXX  XXXX XXXX XXXX Acct XXXX XXXX {$640.00} Opened XX/XX/XXXX XXXX XXXX XXXX  Acct # XXXX {$6700.00} Opened XX/XX/XXXX XXXX
Consumer complaint received 2024-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

Over the past two years, XXXXXXXX XXXX XXXX has twice claimed that I owe them {$810.00}. Despite my requests for a breakdown of the charges to understand what purchases were made, they have failed to provide this information. Instead, the charges they mentioned were related to late fees and membership fees for a credit card that I had canceled more than two years ago due to fraudulent activity on the account. XXXX XXXX XXXX sent me each statement and their fine print, yet they still have not provided me with actual purchases to back up their claim. And now I have a credit collection after me for these fraudulent fees. I am about to take XXXX XXXX XXXX  to small claims court if they don't remove their actions since I disputed the transaction Report Created On : XX/XX/scrub>XX/XX/XXXX  File Identification Number : XXXX LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX This company told XXXX that the collection was real and they provided no other information to back up their claim.
Consumer complaint received 2022-02-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reviewed my credit report and found the following inaccurate information and unknown accounts are still reporting under my credit report, I am listing the following inaccurate accounts in order for you to DELETE from my Credit Report. 
DELETE - XXXXXXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE -XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE -XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXXXXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX  per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX per Section 533 ( c ) ( codified at 50 USC 3953 )
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the month of XX/XX/2021 I found a credit card debt that I never received, that I have no information about, since then I have been dealing with that information in my credit report. despite having called transunion llc several times, then they told me that XXXX was in charge, we communicated with XXXX  at various times, one of those days was XX/XX/XXXX, then XX/XX/XXXX, also XX/XX/XXXX, then they transferred us to XXXX XXXX XXXX, there we spoke on XX/XX/XXXX with our partner XXXX, we spoke with her again on the XXXX of the same month and they told us that it was no longer with them, that it was with XXXX again ; We called XXXX again but the situation is not resolved and I continue to be affected. It's been 8 months since our claim and nothing. I need my situation resolved. Thank you
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX Cell phone : XXXX Office : XXXX Email : XXXX Office : XXXX On Sunday XX/XX/2019 I received a called from an 800 number, I answered, and they said it was BEST BUY CREDIT regarding a past due balance, I was not aware of any charge on my BEST BUY CARD. 
After spending about an hour and speaking to 5 different people we finally identified the {$21.00} charged on my account. On XX/XX/2019 I made a purchase online and I chose to be pay with the available credit on the account, it looks like they charged me {$21.00} even though I had more than enough credit to cover the full purchase price. As of today, XX/XX/2019 I still have a {$95.00} credit for purchases on Best Buy, I still don't understand why I was charged if I had {$95.00} of credit available. 
I never received a statement or a past due notice from best buy, also when I attempted to access the online account I was blocked from the system, ( I have access now ). After identifying the transaction, I paid the {$21.00} and a {$26.00} fee in order to bring my account to current and XXXX balance ( even though I didnt agree or authorized the charge ). I made this payment on XX/XX/2019 with a debit card, I was assured the balanced on my account was current and {$0.00}. On XX/XX/2019, best buy reported my account as having an {$86.00} past due balance. I contacted BEST BUY today and I was told they will notify the three credit bureaus that my account is current as paid as agreed, but I honestly don't have much hope they will do it unless I filed a formal complaint. I am sending copy of the {$95.00} credit on my account and the {$0.00} balance on my account.
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi I am submitting this XXXX XXXX his isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 87 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i cant get aproved for anything which is casing me even more XXXX.