davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-15
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bliksum, LLC (CA)

I am constantly being harassed by XXXX XXXX he constantly states that he is a compliance officer for XXXX XXXX XXXX and he is filing a case against me, he reaches out to my family and threatens to call my employer but never tells me any information when I speak to him he constantly tells my family that he is going to come to there house and look for me. He doesnt state who he represents but he leaves a number for me to call with a case number that leads me to a woman stating she is my case worker for my loan with loan me and she is filing against me in XXXX XXXX court 2 allegations. They dont tell me what company they are they just tell me they are representing Loan Me.
Consumer complaint received 2019-05-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I've been getting multiple calls from different numbers. The company calling is portfolio recovery. They call my cell and my house. I used to get letters but i haven't received any lately. The debts they're attempting to collect on are over 10 yrs old. I'd like this harassment to stop.
Consumer complaint received 2023-04-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX, I was notified by XXXX, Transunion and XXXX of a collection account from XXXX XXXX XXXX of {$390.00} collecting for XXXX XXXX. I was contacted by XXXX XXXX repeatedly attempting to collect the debt and repeatedly told them I had an account with XXXX and it was not in collections. I asked them several times to confirm with XXXX and they never did. XX/XX/XXXX they reported a collection to the 3 credit bureaus mentions. Consequently, my credit score went down and has kept me from buying a new home! When I filed disputes with the credit bureaus, and provided written confirmation form the creditor the account is not in collections and they are removing the dispute, XXXX refused to remove the account from my credit. They are claiming they have 30 more days to allow the creditor to respond. Even though, when the creditor reported the collection in error, they never verified the account was accurate!! They simply reported it and my score dropped! I believe the credit bureau should give the same credibility to the letter resolving the account as they did to the initial report of the collection. Why don't credit bureaus have to verify incorrect information before reporting it on a credit report?? I have been severely damaged by this action.
Consumer complaint received 2019-10-08
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: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (PA)

I, XXXX XXXX entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021. 

I am aware of Navy Federal Credit Unions discriminatory practices, as well as their unlawful AND unjustifiable means when making decisions. I initiated a consumer credit transaction and was denied my right to be extended credit through you after applying in good faith which violates 15 USC 1691 ( a ) ( 3 ). The adverse action furnished on my consumer report is proof a transaction occurred, and I shouldnt have been denied for credit. Furthermore, a transaction was completed using my Credit Card as per 15 USC 1602 ( l ) and I the consumer never benefited which violates 15 USC 1602p. The consumer credit transaction was completed when I filled out the credit application ( extended credit ) 15 USC 1691 ( d ) ( 6 ).

Not only did this transaction result in an adverse action against myself the Original Creditor, but I also experienced a great deal of mental, physical, physiological trauma causing confusion, XXXX, and sleepless nights with bouts of XXXX and XXXX dysfunction. No one should ever experience what I have experienced when it comes to anything that belongs to them and rightfully so. This is extortion in fact per 18 USC 894 ( 1 ) and regrettably so.
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (OH)

I am a natural persons o Al a living human being. I have rights under 15 USC 1681.

Equifax is govern but 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-15
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. (GA)

There are names that are on my credit report jobs that I have not worked at also phone numbers that do not belong to me I had fraud done to me so I would like to have the names and addresses and phones removed from my account. I have sent the proper paper work in before and not action have been taking My name is XXXX XXXX XXXX and my address is XXXXXXXX XXXX  XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Ga XXXX I'm employed at XXXX XXXX and XXXX XXXX XXXX ga XXXX so can I please have the extra names and address removed from my account
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department 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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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.with no help.
Consumer complaint received 2017-05-26
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. (MO)

On XXXX XXXX XXXX I sent a letter to XXXX requesting that they remove two inaccurately reported 90-day late payments from XXXX XXXX from my credit report. All 8 of my federal student loans which were serviced by XXXX XXXX were in forbearance at the time of the alleged late payment, yet for some reason two of them are showing as 90 days late on my credit report. I included a letter I received from XXXX XXXX in XXXX showing the dates of my forbearance which included XXXX XXXX. If loan accounts are in forbearance it means no payment is due so how can a payment be late if no payment is due. Supposedly XXXX " investigated '' this matter and continues to report that this information is accurate. I have disputed it with all 3 credit bureaus and they continue to confirm this information is accurate with XXXX. I do not feel anyone actually investigated this matter, no actually read my letter as they are unable to actually tell me WHY this information would be accurate given my student loan forbearance status, they just sent me a form letter indicating their information reporting to the bureau is accurate.
Consumer complaint received 2019-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

On XX/XX/XXXX, I received a letter from XXXX XXXX, XXXX proving that my account is owned by XXXX XXXX, XXXX XXXX XXXX, XXXX, Washington, DC XXXX, Tel. ( XXXX ) XXXX. The Federal Authorities are presently investigating all these accounts opened and unlawfully using my name and Social Security Number, as well as the different versions of my Note. 

Also, XXXX confirmed that their " records indicate that the account transferred to Caliber Homes Loans , Inc. ( " Caliber '' ) on XX/XX/XXXX ''. 

Since I did not receive a notice of that transfer from Caliber within 30 days of the transfer, ( XX/XX/XXXX ), pursuant to 15 U.S.C. 1641 ( g ), I automatically rescinded the loan under 15 U.S.C. 1635 and informed and served all parties involved.

Therefore, based on the above, we now request that Caliber return any and all documentation, including notes, deeds of trust, communications with and between XXXX XXXX, XXXX , XXXX, XXXX XXXX, XXXX,, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, et. al, and any and all Account Payment Histories, regarding the above referenced account, and or any other accounts you may have information about.

Also I found there were at least two ( 2 ) notes  presented in different cases.
Consumer complaint received 2018-06-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OH)

I had XXXX XXXX a while back ; suddenly I was slammed with this new and AWFUL mortgage company, SLS ( Specialized Loan Servicing ) and they are the absolute WORST.

I have NEVER been able to reach them when I called ; NO ONE EVER PICKS UP! 

They are the most incompetent ineffectual group of worthless hacks I've ever had the misfortune of being subjected to. 

After multiple frustrating situations with SLS, I decided to look on line and read some reviewsAnd they are ALL NEGATIVE! Not one single legitimate positive review!

I have included THREE website links for you to see for yourself ( XXXX, XXXX  and Consumer Affairs ). 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX I am looking for the resolution action of releasing me from this miserable company, and be allowed to choose my own loan servicer, preferably my own bank, XXXX XXXX. 

Then, SLS should be SUED for making so many people 's life so miserable! 

Thank you! 

XXXX XXXX XXXX XXXX XXXX. XXXX, OH XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-10-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (TX)

I complain that mortgage company LoanCare doesnt send me payoff loan documents and a statement that my mortgage was payed off. My loan # ... ... XXXX. I paid my mortgage in full on XX/XX/2019. 

Previous loan mortgage company XXXX transferred my mortgage loan to LoanCare company which started to collect payments in XX/XX/2019. First/ Last statement I got from LoanCare was dated XX/XX/2019. No more statements after I paid mortgage off. 

I tried to call LoanCare few times and was told that I will get canceled mortgage deed of trust by mail.But no documents in mail so far. Last call was today but nobody returned my call.

Please help me to resolve this issue and get those documents from LoanCare mortgage company.
Consumer complaint received 2023-04-10
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. (GA)

TransUnion failed to comply with 15 USC 1681s-2 ( b ). TransUnion is civilly liable under 15 USC 1681 ( n ) ( i ) On XX/XX/XXXXXXXX  a dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

TransUnion failed to conduct a reasonable procedure by their own industry standard of Metro 2. TransUnion failed the Metro 2 standard requirement to report the full XXXX a XXXX requirement code -37 which is a violation of code. XXXX requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

TransUnion failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. TransUnion failed to report consecutive 24 months of payment history. Failing to report XX/XX/XXXX presents willful noncompliance. 
In conclusion, TransUnion has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits.

Therefore under 15 USC 1681n TransUnion is liable for actual damages, {$1000.00} violation and punitive damages.
Consumer complaint received 2019-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

creditor : resurgent captial services XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, sc XXXX ( XXXX ) on XX/XX/2019 we had sent a notice of dispute of debt and request for debt validation to the creditor listed above, which is listed on our credit report. We have not heard anything back, and it has been over 30 days. We do not know what this debt is, and any attempt to try and figure it out has been unsuccessful.
Consumer complaint received 2019-05-25
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. (NY)

Seeking rentals and FHA first time homebuyers mortgages. Seeking these living residences will create hundreds of inquiries. Every apartment application requests to pull credit credit numerous credit inquiries. Each inquiry drops the credit score by five to seven points. Seeking a living residence and apartment rentals can completely eliminate a consumers credit scores. I am complaining about this abusive use of credit score declination. This credit score XXXX stays on the credit report for twenty four months and remains on the credit report for two years. The inquiries drop the score for twenty four months.
Consumer complaint received 2023-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I Have been reviewing my credit reports and noticed I have two collection accounts one from LVNV Funding LLC and XXXX XXXX XXXX for A XXXX XXXX  Credit card. each collection has one listed from around XXXX for XXXX and the other listed in XXXX for XXXX I don't recall having a XXXX XXXXXXXX XXXX around the time of the second account and The Original creditor Isn't listed on my credit report for either account, suggesting the first one aged off, closed or charged off the account. I also noticed both collection agencies are owned by XXXX XXXX XXXX. 

This leaves me to believe there is an " error ''. So I'd like both LVNV and XXXX to provide documentation showing these two accounts aren't actually duplicate. Please provide all relevant and reasonably necessary documentation showing these are two separate accounts. 

Thank you
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting ACT XXXX account number XXXX  
has violated my rights 15USC 1681 Section 602 H States I have the rights to privacy. 15USC 1681 Section 604 A Section 2 also states that The Consumer Reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Mercury Technologies, Inc. ()

We are holding the credit card ending with mercury bank on XXXX XX/XX/2024, there is transaction of USD XXXX happen on the card which was not authorized by us. ( Merchant name XXXX XXXX ). It was fraud. We had provided the all details with bank, but bank haven't register the chargeback, and did not provide the reason for registering the chargeback.
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CARD Corporation (VA)

MY CARD AND CARD INFORMATION WAS STOLEN AND I HAD MY SOCIAL SECURITY DEPOSIT ON THAT ACCOUNT I NEED MY MONEY TO BUY MY MEDS I HAVE STAGE XXXX XXXX AND IS XXXX. I CALLED AND EMAIL THE COMPANY ABOUT THESE CHARGES THAT I DID NOT MAKE I WANT MY MONEY BACK IT WAS FRAUD AND I DID NOT MAKE ANY OF THE CHARGES
Consumer complaint received 2018-06-01
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Home Credit Corp. Inc. (NC)

I had gotten a auto loan from home credit inXX/XX/XXXX when I purchase the car loan I had gotten it for my ex wife XXXXXXXX XXXX which is also on the car loan as a reference.., during the time the auto loan was in her possession on XXXX XXXX XXXX  ... XXXX XXXX  nc ... XXXX  in XX/XX/XXXX before our car got repossessed I had set up a payment arrangement to set the payment to be drafted out of my account and which the company did get their payment ... at the time of my repossession I was only 2 months behind ... I felt as I was done very wrong at home credit because I was doing everything right by open communication ... they never told me that they was going to repo our auto loan ... and because it was in my name it has greatly impacted my credit ... we all fall short at times but when you try to pay your auto loan to keep from getting a repossession its very hurtful ... I tried contacting the XXXX  home credit and call the main office in XXXX   nc ... .and my wife also left messages and I never received any calls back.. my wife as of now is XXXX XXXX and now we are joint together on the credit report and its affecting her credit as well ... I have proof and documents of when I paid to home credit the same month they repossession the auto
Consumer complaint received 2017-05-26
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. (MO)

On  XXXX   XXXX ,  XXXX  I sent a letter to  XXXX  requesting that they remove  XXXX  inaccurately reported  XXXX  late payments from  XXXX   XXXX  from my credit report. All  XXXX  of my federal student loans which were serviced by  XXXX   XXXX  were in forbearance at the time of the alleged late payment, yet for some reason  XXXX  of them are showing as 90 days late on my credit report. I included a letter I received from  XXXX   XXXX  in  XXXX  showing the dates of my forbearance which included  XXXX   XXXX . If loan accounts are in forbearance it means no payment is due so how can a payment be late if no payment is due. Supposedly  XXXX  " investigated '' this matter and continues to report that this information is accurate. I have disputed it with all  XXXX  credit bureaus and they continue to confirm this information is accurate with  XXXX . I do not feel anyone actually investigated this matter, no actually read my letter as they are unable to actually tell me WHY this information would be accurate given my student loan forbearance status, they just sent me a form letter indicating their information reporting to the bureau is accurate.
Consumer complaint received 2015-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (CA)

my loan required a PMI. By law, the PMI is to automatically terminate on the date the principal balance is first scheduled to reach XXXX % ( ltv ) of the original loan of the property. As of XX/XX/XXXX, my ltv is XXXX %. However, according to my mortgage company, the pmi will not be terminated until XX/XX/XXXX because that was the scheduled date the ltv was to reach XXXX % by the original amortization. The reason the ltv is now XXXX % is because we made XXXX extra payments on our mortgage and we feel that we are now being penalized for extra payments. Our loan was orignally with another company but was sold to the current company in XX/XX/XXXX.