davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XX/XX/2019 : Balance paid-in-full. 
XX/XX/2019 : In Great Standing XX/XX/2019 : XXXX balance XX/XX/2019 the account showing balance of {$570.00} XX/XX/XXXX : All Credit Reproting Agencies need to update my credit report to show XXXX balance = XXXX ; paid in full ; in good standing. Never late.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (UT)

Credit Acceptance is reporting late notations on my credit file for XX/XX/21, XX/XX/21, XX/XX/21 that need to be removed. Due to Covid, I lost some work that I relied on financially, and that really impacted me. I have an account with them for my auto loan and due to Covid, I called in to see what I could do because I was having some trouble paying the full amount. When I called they told me that I could have a payment arrangement set up for my hardship that would lower my payment by XXXX. I thought that was great until I looked at my credit. They never told me that with this arrangement, my account would be delinquent due to lesser payment, If I had known that I would have late payments, I would have never made that payment arrangement, I would have found a way to pay the full amount instead. So now I am screwed because the rep failed to explain the details of this arrangement. Upon finding out I paid it to bring the account up to date and am now making my full payment instead so it wasn't much of a help.
Consumer complaint received 2022-10-08
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: Experian Information Solutions Inc. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: J J Marshall & Associates, Inc (MI)

I had a repeat visit to my dentist as a result of an error made by their staff. At that time, XX/XX/19, I was told by the dentist that there was " no charge ''. Approximately 4 months later I received a bill for {$49.00} for that visit. I attempted to dispute multiple times and I have disputed with debt collector. The most recent debt collector JJ Marshall & Assosciates is now attempting to collect {$85.00} rather than the original {$49.00} billed amount. I was told there was no charge, then was billed {$49.00}, now I am being charged {$85.00}. This is not a valid debt.
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NC)

Citi Bank AAadvantage card. I opened a CC from Citi to use for work travel. A couple days later they blocked transactions and said they couldn't verify my identity. I have literally called 10 times and have asked to provide everything I can to help, to no avail. In addition, they mentioned they sent a letter via snail mail to my home, in which I've never received. I can't close the account nor even use the card at this point. Help!
Consumer complaint received 2019-06-20
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. (NV)

You have to fix this account, verify and delete it, its always paid on time XXXX XXXX XXXX, the account was not transferred.. You have to fix this account, verify and delete it, its always paid on time..I sent numerous letters to credit bureaus but they did not fix it..CFPB step up and fix the account
Consumer complaint received 2018-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (IL)

Hello - I applied for a XXXX XXXX Chase CC last week - yesterday XX/XX/XXXX I received a letter in the mail with a Chase letterhead - it said to call XXXX to " verify the application. '' I called the phone # and they wanted my personal information. I told the rep I was not comfortable giving my personal information over the phone. She then rudely told me " Who else would send you this letter? '' I again stated that I could not be sure this was actually Chase and I did not feel comfortable giving out personal information to her. She said " Well what do you want to do then? '' I told her I was not giving her my information and she did not need to be unprofessional to me and therefore I would cancel my account. She then hung up on me. I have a Chase XXXX   VISA and got that out and called that # on the back and spoke to a rep and told her what  transpired. She said she could not verify that the # I called was actually a Chase phone #. She then transferred me to someone else and I was told I was approved for the XXXX Chase CC. I told them my experience and asked about the miles promotion I received - they couldn't verify the information. I called back later to ask about the promotion and the customer service and that person said they couldn't help me with my complaint and when I said I was cancelling they told me that was OK. I am disappointed in the service I have received and I have paid my bill in full each month for years with my XXXX Chase VISA so because they don't make enough money off of me they can treat me with disrespect and feel comfortable with a rep hanging up on me.
Consumer complaint received 2018-07-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

According to my recent credit report I have an account in the amount {$1000.00} from XX/XX/2015 placed in collections I was not aware of. I have tried to work out the problem with the company informing them I was not a member of their company and belong to their competitor. Also, I had not receive any information regarding the problem in a timely manner to activate a dispute.
Consumer complaint received 2016-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I had my house foreclosed by Pennymac back in XXXX. First this was a premature and WRONGFUL FORECLOSURE, however bank did not give me a chance to pay back or negotiate any repayment plan. Second my first date of default was on XXXX of XXXX and now it has been more than 7 years and account SHOULD NOT be reporting on my credit, however pennymac is still reporting it. My numerour attempts to contact them to resolve this issue went ignored .... 
PENNYMAC LOAN SERVICES L Account number XXXX .... 
Recent balance {$0.00} as of XXXX/XXXX/XXXX Date opened XXXX Status Foreclosed. 
+ Dispute XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Address identification number XXXX Type Mortgage Terms 30 Years On record until XXXX XXXX Credit limit or original amount {$940000.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XXXX First reported XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX. 
Account history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment history guide
Consumer complaint received 2022-10-10
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. (NY)

My name 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX I sent a letter to the credit bureau in regards to items on my credit report that were inaccurate. It has been over 30 days and I still have not received a response and it has been a huge burden for me effecting my ability to apply for loans, both personal and for my business. According to the law I should have received a response to my disputes by now or the items should have been deleted/updated. I checked my credit score again a few days ago and the same items I disputed remain on my report and have not been updated. Some of the items on the credit report show late payments that I was not aware of. I take paying my bills on time very seriously. As I mentioned, I am a business owner and COVID-19 has affected my business and ultimately affected my finances. To my understanding the CARES Act went in to effect in XX/XX/XXXX and was suppose to protect individuals like myself from creditors reporting late payments on my credit report. The credit bureau can review my credit report and see that I have always paid my debt on time if not early prior to Covid 19. My credit report shows that I was never late until Covid -19 took the world by storm. To date, even with Covid-19 still lingering I have made every effort to make my payments on time. The credit bureau should have not put " late payments '' on my credit report per the CARES Act, it has effected my credit score greatly.
Consumer complaint received 2021-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I have been a mortgage customer of Suntrust ( now Truist ) since XXXX of XXXX. When the pandemic hit, the company allowed borrowers to opt into a temporary forbearance. I opted into this program from XX/XX/XXXX until XX/XX/XXXX. I immediately started back paying my mortgage in XX/XX/XXXX after a 6-month forbearance. Since XX/XX/XXXX 's payment, my payments have not been applied to my mortgage account. They sent me a letter in XX/XX/XXXX dated XX/XX/XXXX about my mortgage adjustment. I sent back all the documents requested from me, and I was assured that my mortgage would reflect current within 30-60 days. It's nearly 4 months later, and my account is still not current. My payments are not being applied to my mortgage loan but are going into an " unapplied funds '' account. I have called Suntrust ( now Truist ) every other week for the past two months to get this corrected, and I'm continuously told that the message would be passed along. It is almost as if the employees don't even know what to say. It's very inconvenient, as it's not reflected on my credit report or online account that I'm making payments.
Consumer complaint received 2022-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently reached out to TransUnion and inform them that I had recently obtained a copy of my credit report and I notice there were some inquires on my report that I would like more information on. I also informed the company that I am not saying that the information is right or wrong. I was just saying that I wasnt 100 percent sure. The representative on the phone stated that TransUnion dont place inquires on anyone 's credit file therefore its nothing that they could do that I would need to call the companies listed on my credit report. I informed the TransUnion rep that I had already been in contact with the companies and they stated that they didnt have any application on file for me and that I needed to contact the credit bureau where the inquiries are listed to have them to find out why there appearing on my report. The TransUnion rep then informed me that I would need to make an FTC report or a police report and send them a copy and they would do an investigation in to the issue. Below you will find a list of the inquiries listed on my credit report by companies some of which I have never even heard of. 

Data Furnisher : XXXX XXXX  Date Reported : XX/XX/2021, XX/XX/2021, XX/XX/2021 Data Furnisher : XXXX XXXX XXXX Date Reported : XX/XX/2021 Data Furnisher : XXXX XXXX Date Reported : XX/XX/2021 Data Furnisher : XXXX Date Reported : XX/XX/2021 Data Furnisher : XXXX Date Reported : XX/XX/2021 In accordance with Fair Credit Reporting act TransUnion has violated my rights 15 U.S.C 1681i states that I have a right to dispute information that is in my file that I believe is inaccurate or incomplete.
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (AK)

Freedom Mortgage has consistently sent letters suggesting that I can lower my mortgage rate by refinancing since XXXX. In late XXXX XXXX XXXX I spoke with someone at the company about the process and what would be required to refinance from an FHA loan into a conventional loan. I was told it was a simple process, would not require much work on my end and we could close in XXXX. 

When I started the process in XXXX the employee who originated the loan overvalued my house. We were not told that we would have to have an appraisal done- in fact the original person indicated we could have an appraisal waived. 

Since XXXX we have sent in document after document and theyve been lost by Freedom Mortgage every single time. I've had multiple people assigned to this loan and no one can give me clear answers on what's going on with the loan. 

Because the originator overvalued our home and the appraisal came in " under value '' we were contacted by Freedom Mortgage letting us know that this would cause some issues with the loan and it might be better to just restart the process. After confirming that it might not be that big of a deal and would only impact escrow we moved forward with the original loan package. It was once again, reassigned. 

During this time we've been repeatedly asked for documentation showing that we have cash to close, despite repeatedly telling Freedom Mortgage we were interested in rolling that into the loan itself. We are now almost three full months after this initial process and we are once again being told that we have to provide documentation and cash to close - even after signing paperwork that rolled that cash into the loan on XX/XX/XXXX. I have tried to contact managers, consumer advocates, the loan originator on file and have not received timely responses or answers regarding why this package is so messed up or whats going on. It does not seem as if Freedom Mortgage has lenders that are truthful or if they even know what's happening with our loan. They consistently lose documents, have not honored the loan package we were sold, have not communicated the why behind the loan we are being sold, selling us this experience as an easy and fast process that will lower our monthly payment and at the end of the day I may not even be able to complete this process because of their inability to do their job.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX
Consumer complaint received 2022-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

XXXX Payoff payment in amount of XXXX sent to XXXX, XXXX, Oregon by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
This payment was sent to wrong address, This was a Navient Account. 
My credit union internal investigation said XXXX processed the check on XXXX Contacting Aidvantage they have no info or account info. Referred me back to Navient. 
XXXX XXXX from Navient states payment sent to wrong address, payment can not be returned or refunded to me. Refund has to come from XXXX Treasury. XXXX weeks. 
XXXX No refund has of today. 
Unable to make contact with US Treasury, live person not available. 
Recontacted XXXX, no account info. Recontacted Navient, gave me a consumer advocate number, XXXX, waiting for return call. 

XXXX XXXX XXXX XXXX, XXXX, Oregon, XXXX Navient, XXXX XXXX XXXX XXXX, PA XXXX XXXX
Consumer complaint received 2022-07-06
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. (MI)

15 U.S.C 1681 ( a ) ( 1 ) says 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 the public confidence which is essential to the continued functioning of the banking system. On XX/XX/2022 I sent a letter to Equifax pointing out inconsistencies in several accounts reporting on my Equifax consumer report. I asked that if any information reporting on my Equifax consumer report wasn't 100 % accurate that it be immediately deleted from my consumer report. My certified mail tracking # for the letter is XXXX. It is now XX/XX/2022 and there are still a multitude of inconsistencies reporting on my consumers report. Equifax stated that these accounts were investigated properly, but how is that possible with so much inaccurate information still reporting? 15 U.S.C. 1681i ( a ) states that if Equifax can't provide proof of these inaccuracies these accounts must be deleted. This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 602 A which states I have the right to privacy as well as 15 U.S.C. 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-14
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. (LA)

I've been disputing my credit file with the 3 credit reporting agencies Transunion, XXXX  and XXXX to correct the inaccuracies found on my credit file. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, Open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving accounts high balance does not coincide. Last payment does not coincide, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts, Inorrect Personal Information reporting Wrong social security number reporting. This type of recording is negative and damaging to my credit score and report and is in violation.
Consumer complaint received 2021-03-10
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Partners Financial Services Inc (MO)

I am a former employee of Partners Financial Services in XXXX, MO. 
While employed, I managed the legal accounts, and when I came across accounts where there was a signed Page 2 of the RIC ( which we legally could not go legal on if it was signed ) I was instructed to remove the signed page of the PDF and replace it with a blank page that we had saved. We probably took illegal action on about 30 consumers with this method during the 7 months of my employment. Along with this, the debt collectors were constantly using harassing tones and language with the debtors. I apologize for my part in this, and since I was doing what I was told, I would like to see action taken against the company to assure fair debt collection acts.
Consumer complaint received 2018-06-30
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. (SC)

Experian Credit Bureau has several items on my credit report that is not accurate. I have sent over multiple disputes some have been removed while others remain on my credit report. The inaccuracy of my credit report is creating me not to purchase a home, as well as affecting any other possibilities that I have in establishing more credit. I feel that the Credit Bureau has discriminated upon me with correcting my credit, creating great hardship for me to maintain housing and other credit dependency needs. This correction needs to be resolved immediately so that I may be able to have an accurate credit score along with improving my score in which the credit bureau has reported inaccurate for the past 24 months.