davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OR)

On XX/XX/18 and XX/XX/18 Ditech my mortgage company sent me letters saying I had to increase my flood insurance at XXXX XXXX XXXX otherwise known as XXXX XXXX XXXX or they will find me insurance and it could be expensive. I immediately took action calling and also leaving messages at least five times with XXXX at my flood insurance company. She refused to call my mortgage company but she told me the old policy had to be paid off first before any changes could be made. I called and emailed Ditech at least five times giving them this information. They finally told me the flood policy would be paid off from escrow within five business days after I got a notice of cancellation because it had not been paid by XX/XX/18. My flood policy expires on XX/XX/18. On XX/XX/18 my flood insurance called me and XXXX had me pay a small amount ( less than {$40.00} ) for the extra coverage on my policy by credit card even though I said I have an escrow account for this. On that same day I got a letter from Ditech dated XX/XX/18 accusing me of ignoring their warning letters concerning flood insurance and informed me it will cost me {$210.00} ( includes XXXX XXXX  ) and this would be on top of the {$340.00} or so I already pay for flood insurance. Since then I have called Ditech ( again ) asking to speak to a supervisor but was told by customer service that nothing could be done until another escrow analysis takes place ( that includes the higher insurance they got me ). I emailed them yesterday twice with no reply so far. I am reaching out to you because this is the third mistake my mortgage company has made in a year and I dont have much faith in them to resolve this matter correctly.
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I received a letter from XXXX XXXX dated XX/XX/2018, stating that my Walmart credit card account was closed due to my credit score dropping to XXXX. This isn't my correct credit score ; I also opened this account with this type of credit score. At this time my account was in good standing. 

I contacted the company to re-open my account and they would not do it.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GU)

XXXX XXXX XXXX XXXX XXXX is the worst card to ever be made in the history of call credit cards. Many people on the island of XXXX and I'm sure many other users HATE THIS CARD HAVE BEEN TRYING TO CLOSE IT DUE TO THEM REPORTING THAT CONSUMER 'S MADE LATE PAYMENTS WHEN THEY DID NOT. They are the ones that TAKE PAYMENTS LATE AND DO NOT POST THEM RIGHT AWAY. MANY TIMES THEY HAVE TAKEN OUT MY FUNDS DAYS AFTER I HAVE PAID!!!!!! THEY ARE THE WORST AND THEY NEED TO SERIOUSLY REMOVE THOSE LATE PAYMENTS THEY STATED IN 2022 WHEN THEY ARE NOT TRUE!!!!! I HAD A JOB THAT TIME SO THERE IS NO REASON WHY I DIDNT MAKE THOSE PAYMENTS!!!! TERRIBLE REPORTING!!!! GET IT OFF MY CREDIT REPORT AS IT IS AFFECTING MY FINANCIAL HEALTH AND I AM NOT ABLE TO GET ASSISTANCE EVEN DURING XXXX NATURAL DISASTER DECLARED BY FEMA!!!!!! THIS IS TERRIBLE!!!!!! GET RID OF THIS NOW!!!!!
Consumer complaint received 2021-05-18
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: Bread Financial Holdings, Inc. (NY)

An account was opened in my Name with Zales. I noticed this when I ordered my free annual credit report a couple of years ago. I reported this information to the credit bureaus as well as Comenity Bank/Zales along with an identity theft and police report. Around the time that the account was opened, I was the victim of a hate crime where XXXX were graffetied on the walls of my building where I was staying in XXXX XXXX, New York and residing at the time. 

This account was opened with an address of XXXX XXXX XXXX, XXXX XXXX, NY XXXX which is a Virtual Mailing Office that I've never done business with. 

At the time this account was opened as a result of identity theft, I was under the supervision of the XXXX XXXX Court in XXXX, New York as an Order of Protection was issued by the same court for my personal safety and security. This came after my ex-roomate - who had access to my home office which contained true copies of my Passport, XXXX, Birth Certificate and Social Security Card - attempted to assault me and was charged by the same court. 

A XXXX shipment containing legal documents including my social security card, passport and XXXX was stolen out of my mailbox before it was picked up by a XXXX Driver for processing and delivery. 

A XXXX XXXX money transfer account was also opened around this time to send money to others using my name and date of birth ( identity ) without my permission or authorization. 

Another credit card was opened with XXXX XXXX which I reported as identity theft and was formally investigated. After a formal investigation, it was found that my allegations were truthful and I was released from Liability and this account was removed from my credit reports. 

Another credit card was opened with XXXX which I reported as identity theft and was formally investigated. After a formal investigation, it was found that my allegations were truthful and I was released from Liability and this account was removed from my credit reports.
Consumer complaint received 2018-04-12
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. (FL)

I have contacted XXXX XXXX XXXXXXXX XXXX about 16 Inquiries that I have NO knowledge of. They always come back with the same MUMBO JUMBO, " it's suppose to stay there for 2 years. No, not when I didn't apply for it. I did NOT apply for credit with these companies and I DID NOT give any company PERMISSION to run my credit. The inquiries need to be deleted IMMEDIATELY!
Consumer complaint received 2022-06-10
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. (NY)

on XX/XX/XXXX The credit bureaus stated Account : XXXX XXXX ( acc # : XXXX ) was properly investigated but how is that possible if the last payment is inaccurate, the date last reported is inaccurate, last payment inaccurate, date closed is inaccurate and times 30/60/90 days late is inaccurate. Payment status is inaccurate. This ground for Removal. 

They also violated my rights under 15 U.S.C 1681 Section 604A Section 2 : The law Clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The Law Clearly states the credit bureaus have 5 days to notify me from when they receives my disputes. 

They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ) : The Law clearly states if the item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2020-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (MA)

My bank moves my charges around to charge excessive fees. Many times they will move pending charges and keep only the smaller fees pending to charge multiple fees. Also company allowing unauthorized debit of XXXX. And it caused many fees. They will lot reimburse these fees even though its determined to be unauthorized. The fees are very excessive totaling over XXXX in the last few months
Consumer complaint received 2021-12-26
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. (NY)

I just pulled update of my credit report and I dont see any changes! I already send few rounds of dispute and told you that I have no idea where these accounts came from. Im sure that someone use my personal information
Consumer complaint received 2018-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ray Klein, Inc. (OH)

we have been out of Oregon for the last 5 years and all of the sudden today received from my employer that they were garnishing my paycheck, Had no idea of the debt. all the sudden with no notification of any debt my check is being garnished. The company XXXX XXXX XXXX refused to give me any information on the account they were collecting on which is from supposedly XX/XX/XXXX. They have threatened to charge us {$500.00} every 2 weeks if we didn't give them a credit card. Fraud!!! The will not give me a copy of the paperwork and they threateded that they. They have never given us any paperwork and refuse to. FRAUD!! This all happened XX/XX/XXXX. They have caused me extreme stress not being able to contact the proper people to see if it is even a debt of mine. they have my employer information and they certainly had a current address but failed to contact me in any way. I would like to seek compensation in the amount of {$20000.00} for undue harassment and fraud stating they have contacted me when they haven't. Also I would like there licence pulled for failing to provide me with any paperwork when asked to send it to me. I have the phone call recorded.
Consumer complaint received 2021-12-06
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late/Closed : XXXX XXXX {$0.00} Collection : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX {$290.00}
Consumer complaint received 2021-12-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A. (OH)

As previously submitted, PNC is pretending that the options they gave me to deal with an outstanding XXXX loan were legitimate. When they, in fact, XXXX represent unlawful advice as they do not represent me in a fiduciary function. The neglected to act in a manner consistent with the purpose of XXXX loans and forced me to repay an amount that would later have been forgiven had they followed guidance from XXXX.
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (MI)

I made a complaint to the CFPB already in regards to this account, however XXXX in the " Office of the President '' left messages with a phone number that we could not reach back to speak with her. Only after calling Best Buy and them sending a message did she actually call. Their process is designed to frustrate and dissuade the consumer from taking action. Her advice was to call the collections department, as she could do nothing. 

Someone who works in the office of the President at CitiBank has the ability to print money, and they can certainly fix this issue. When it was presented to me at the store, it was said to be Joint borrowers, it was also shown on the account as a Joint account so her assertion that he was merely an authorized user at best is false. 

Also they did not let me know there was account issue in the time frame ofXX/XX/XXXX until XX/XX/XXXX when applying for another loan. 

There is a pattern of this treatment of customers on their web fourms, complaints on the CFPB and in Lawsuits already on the records.
Consumer complaint received 2023-05-27
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. (MO)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$96.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$170.00}.
Consumer complaint received 2022-06-11
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. (GA)

I, XXXX XXXX, am a living woman and I am submitting this complaint on my own and there is no third-party working on my behalf. My issue with XXXX XXXX XXXX XXXX is that they have breached their own contract and have provided false and misleading information. I have been in dispute with XXXX XXXX XXXX XXXX for several months about their fraudulent activity and have not received any resolution to my dispute. Instead they have CHARGED-OFF my account and have reported this negative account to the consumer reporting agencies. This is a clear breach of contract. Within their Promissory Note, it states that any DISPUTE ( meaning " any action, dispute, claim, or controversy of any kind arising out of, in connection with or in any way related, even indirectly, to the Note or the extension of credit set forth in the Note '' ) should be brought through binding arbitration. XXXX XXXX XXXX XXXX did not do this, they only charged-off my account and did not provide notice of such changes to my account. Pursuant 15 USC 1681a ( 2 ( b ) ), a charge-off account should be excluded from a consumer report and reporting a charge-off is a fraudulent reporting of an account. Reporting a charge-off is illegal because it is income and income is not reported to a consumer report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that this charge-off account should have never been reflected to my consumer report, which is identity theft.
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NV)

On all 3 credit bureaus a 120 day late report is on there last reported XX/XX/XXXX through XXXX. One bureau said last reported XX/XX/XXXX. The acct number only reveals ***XXXX. I was given number to XXXX  and through all departments they do not have any information associated with my social security number.

I am unsure if this is an old account or if its fraud but i am unfamiliar with any accounts through XXXX.

Please help!
Consumer complaint received 2018-03-12
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. (NJ)

My Credit Score Was At About XXXX  Back In Early XX/XX/XXXX. i Had Late Payments Thus Derogatory Remarks. Made Payments Later That Year. Credit Score Went Up To Around XXXX. i Kept " Late Payments '' At XXXX  . Made A Payment In XX/XX/XXXX. Yet Credit Score Remained Stagnant.

Based On TransUnions Customer Representative, Factors Matter. The Only Factor Based On The Factors Used To Determine The Credit Score Is 'Late Payments '. None Of The Other Factors Have Major Effect On My Account, Since They Are Up To Par.

If Back In XX/XX/XXXXThe Credit Score Went Up After Making The Payments, Why Not In XX/XX/XXXX Payment?

Every Time i Directed The Customer Representative To The Point Of My Call, She Tried To Divert My Attention.
Consumer complaint received 2021-12-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (GA)

I'm aware that I owe XXXX to synchrony bank. I contacted them on XX/XX/21 they say sold my account to XXXX XXXX turn out to be a law office that never heard of synchrony bank. I have no person or company to respond to. Synchrony Bank, XXXX XXXX XXXX, XXXX Florida XXXX
Consumer complaint received 2019-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have contacted all 3 credit agencies informing them of inaccurate personal information such as names and addresses yet they have failed to remove them. Please delete all inaccurate wrong personal information contained in the letter attached.
Consumer complaint received 2019-10-05
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. (NY)

I have continuously spent time and money writing to XXXX and the other bureaus regarding a XXXX account that was listing incorrect information on my credit report. I had insurance on this lease car ... In NY you cant have a new car without full coverage. I had an accident and this car was totaled and covered by the insurance company ( attached ) .. I noticed my credit report was reflecting this XXXX account incorrectly and I addressed both XXXX and the bureaus regarding this incorrect account. After several months and several written requests, XXXX AND XXXX   responded this account is listed 100 % accurate, complete, and verifiable as per FCRA law. Today, several months later, XXXX changes their reporting and send different data to the bureaus. Either they never performed the original investigation, OR they are in violation of 1681i of the FCRA and both XXXX And the credit bureaus are liable in court. I am filing a complaint with my state attorney general and XXXX regarding this issue. If this isnt DELETED in 15 days, I will pursue my legal rights and finalize my FCRA attorney retainer agreement. I have all my written correspondence and the bureaus correspondence.
Consumer complaint received 2019-08-27
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. (NJ)

There are accounts reporting on my credit file as a result of identity theft. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiries was not authorized by me : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Incorrect Names : XXXX and XXXX Incorrect Addresses : XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-06-11
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: Avant Holding Company, Inc. (OH)

On XXXX XXXX XXXX pulled my credit report ( XXXX ) XXXX received an alert from XXXX XXXX who alerted this inquiry. I place a Fraud Alert on my credit report back in XX/XX/XXXX. I never applied for credit with that bank ( never heard of them ). I filed a police report too on XX/XX/XXXX. I contacted Avant customer service and explained the fraud and not to issue credit because I never applied. I also asked them to expunge the inquiry and I emailed their fraud dept too. They said they would contact their fraud dept and some one would be in touch within 10 days. No one contacted me so I called back and they said they emailed me the required paper work but I never received it. They said they would send it again but again I never received it. They would not give me a telephone number to their fraud dept and they had no supervisor that I could talk to. I then contacted XXXX to get involved and sent them a copy of my police report and letter explaining what happed and what I wanted. As of today, the inquiry is still on my report and i have received no information from Avant on if an account was opened and why they didnt contact me with the fraud alert on my credit report.
Consumer complaint received 2018-04-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Navient deceived us disallowing my son to make payments on the loan over the minimum and told him that I could not be removed as the co-signer. Navient told him they could not set up auto payments up out of an account in his name. This has resulted in them reporting late payments without sending me the parent any notice of the delinquency, the account became 90 days past due.. During the life of the loan not one payment came from me or my account ( s ).
Consumer complaint received 2018-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Equitable Acceptance Corp (KS)

I was inquiring about the student loan forgiveness plan for XXXX. The Student Loan Releif Department was the company in which I went with based on what they told me. In order to use their service, I have to pay them {$1300.00} on a monthly plan paying {$39.00} a month. This payment plan started on XX/XX/2017 and they went through Equitable Acceptance for the loan in which I am paying this company. I contacted the XXXX company to ask some questions and they told me that I could have gotten the student loan forgiveness plan through them and it would be completely free. I am paying a third party {$1300.00} over the next four year for something that I could have gotten completely free. I was not aware of this and the Student Loan Relief Department obviously did not let me know about this. I am paying for their services when I could be doing everything for free. Not only am I paying for their service, but I also can not contact them via phone. I have tried to call them and I can never get someone to answer the phone. They didn't follow up on what they said they would do. This is when I ended up calling XXXX and finding out that I was paying for something that was not needed. I want to get out of this loan through Equitable Acceptance whom I have already paid for one year, for the service from Student Loan Releif Department that I don't even need.