davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Kentucky Housing Corporation (KY)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX i have called in to kentucky housing corporation main number, i work XXXX -XXXX XXXX est by the time i get off work they are closed unable to be reach. kentucky housing corporation has no complaint management system, they have not followed up with me, and disrespected me upon calling in and trying to get my account fixed, they reported my account in default have never contacted me back on XX/XX/XXXX i was transferred from the main line to collections to make a payment and got disconnected from. i am being forced to pay fees to make my payment and late fees and having my credit being reported badly as a missed payment. i've done my due diligence to make my payments set up online, except as i was logging in from XXXX they have cancelled my online access never allowing it to be restored. they are acting under fraudaulent pretences and have not captured any complaints i've made in calling to them. i want my fees paid back to me, my online account access restored, and a written letter of stating you are fixing my credit bureau, who i am also making aware of the terrible business practices kentucky housing corporation is handling accounts, and treating people with no respect like we are nothing to them just terrible people.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

In XXXX, XXXX XXXX wrongfully repossessed the car. The exact payments were made to prevent repossession and they were made via XXXX XXXX. XXXX XXXX XXXX XXXX confirmed receipt of the payment and confirmed the account was then current and no further action was required. A few days following, the car was repossessed from my employment. After speaking with XXXX XXXX, they apologized for the repossession and said I had to pay to get it out. They confirmed that the car should have never been repossessed because they could see the payments were made. At this time, XXXX XXXX XXXX XXXX was not cooperating and said I would have to pay the repo fee in order to get the car back. At this point, I sought an attorney. Within a few days, they were able to retrieve the car. The car should have never been repossessed nor should I had to hire an attorney to resolve. Lots of Money, time and energy wasted hit time was of the essence in retrieving the car in a timely fashion. Everything was then paid directly to XXXX XXXX XXXX XXXX through the U.S. Bankruptcy Court Trustee-Case # XXXX. Upon looking at the credit reports, XXXX XXXX has provided incorrect payment history, payments made and the amount past due. They have waited 3 years to provide incorrect information. Also being one of the victims that fall under the most recent class action lawsuit where XXXX XXXX wrongfully added insurance on the car payments and extra interest, clearly further proves their integrity and dishonesty as a company!! There is no balance due for this account, nothing past due and no other collection activity should be listed on this account. I have attached the reportings and it shows payments were made in XXXX and they is INCORRECT!!  Everything came from the trustee and needs to be corrected and or deleted. The trustee provided on time payments from XXXX XXXX. There is no past due amount Remaining. One report showed XXXX past due and now its XXXX the car was only XXXX and purchased back in XXXX.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Mr. Cooper Group Inc. (IL)

On XXXX of 2018 Mr. Cooper ( mortgage servicer ) offer me a repayment plan omitting XXXX payment. At that time I was assured that this would not have a penalty. At this time I am trying to refinance my loan to make a bill consolidation and save some money but I was informed by the lender that I could not do it because my mortgage account reported a XXXX x XXXX on my mortgage, even though I am making my payments according to the payment arrangement. I have contacted Mr. Cooper and they acknowledge that I am making my payments according to the payment arrangement but they are not willing to correct the information on the credit report.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (TN)

navy federal account last XXXX XXXX It has come to my knowledge that Navy federal has violated federal law 15 USC 1666 ( D ) billing error. " ( Restricting or closing by creditor of account regarded by obligor to contain billing error ). Navy federal has closed my open end credit card account due to failure to pay amount due in error this against federal law and against the state by laws with the navy federal credit bank in the state of XXXX  15 USC 1666 ( d ) says a creditor operating an open end consumer credit plan May Not restrict or close an account with respect to which the obligor has indicated pursuant subsection ( a ) that he believed such account to contain a billing error solely because of the obligor 's failure to pay the amount indicated to be in error. I also notice while investigating my account Navy federal was stealing funds from my active checking account and applying it to my closed go rewards credit card for indebtness on my open end consumer credit card. This is totally against federal law 15 USC 1666h ( a ) a card issuer ( navy federal ) may not take any action to offset a cardholders indebtness arising in connection with a consumer transaction under the relevant credit card plan against funds of the card holder held on deposit with the card issuer unless such action was previously authorized in writing by the card holder ( consumer ) in accordance with the credit plan whereby the card holder agrees periodically to pay debts occurred in his open end credit card account. I did not give permission or written consent and this is considered theft and is a violation of federal law 15 USC 1666 ( a ) ( 1 ) Navy federal must reactivate credit card and also must apply funds it stole from banking checking account to rectify the situation! it is against federal law to take from checking account and apply to credit card without the consumers written consent please rectify this situation asap so we can stay at the arbitration table and not have to enter into litigation!!!!!!
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My credit file has no deliquencies, late paymnts, collection ever but every time I apply for a mortgage loan I get a letter from the bak or broker saying that I have delinquicies, late payments the time of the credit is too short even though I have creit from the late XXXX XXXX, but when I check my report from XXXX XXXX or credit cards its a different story. This is a scam and a way to deny XXXX mortgages and XXXX XXXX  and they are all connected to practising blockbusting and proits from XXXX to charge higher interests if anyone gets that far
Consumer complaint received 2023-07-10
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: WELLS FARGO & COMPANY (TX)

Wells Fargo ran my full credit report on XXXX without my consent, or permission. I have not applied or am not applying for any additional credit cards or items this company offers. I had no knowledge of this report being run.
Consumer complaint received 2022-08-18
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX has recently added a collection account to my credit report. After finding out about this account I reached out to XXXX and was informed this was a delinquent account attached to a business. When asked how much was the debt amount they told me they were not sure, but on my credit report it stated {$130.00}. I then asked what did they need from me to show I was not responsible for this debt and it was not mine, they stated they would call me back. I called the next day and at this point I was told the debt was actually $ XXXX and it was based on charge backs from a contracting business. At this point I again asked them what they need to prove this was not my debt, they stated they would not accept anything other than payment or payment plan.
Consumer complaint received 2022-01-07
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. (CA)

My credit file has no deliquencies, late paymnts, collection ever but every time I apply for a mortgage loan I get a letter from the bak or broker saying that I have delinquicies, late payments the time of the credit is too short even though I have creit from the late 80 's, but when I check my report from XXXX XXXX or credit cards its a different story. This is a scam and a way to deny immigrants mortgages and single moms and they are all connected to practising blockbusting and proits from immigrants to charge higher interests if anyone gets that far
Consumer complaint received 2022-01-07
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. (MS)

Equifax is inaccurately reporting collections on my credit report. The balances are wrong and the date of last activity has been re-aged. It is a violation to re-age an account under FCRA 605 c running of the period,. Further more the company agreed to remove the account from my report. 

This inaccurate information is negatively affecting my chances of approval and is ruining my credit report and my credit scores
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy Federal is reporting in violation of USC 15 USC 6802.

Navy Federal Credit Union received a certified document on XX/XX/2023, XXXX that notified them that they violated my federal rights governed by the FCRA. They are reporting inaccurate information to a nonaffiliated third party, as defined in 15 USC 6802 ( b ) ( 1 ). Navy Federal is considered the 'financial institution ' described in that same law. I have checked my XX/XX/2023, XXXX Consumer Report XXXX XXXXXXXX, and Navy Federal has not ceased to communicate inaccurate information, which by law they must cease all communication when they are notified. Navy Federal was noticed five days ago.

It also must be noted that the information being rep
orted is an alleged charge-off, from my comprehension of the FCRA and the IRS publication 4681 ( Canceled Debts ) charge-offs of {$600.00} or more would be considered income to the consumer and thus should be reported on our tax return. Also, the Lender, which is Navy Federal is required to send me a 1099-C form for this alleged charge-off.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX Ba Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX, 2020 XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/202XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, 2020
Consumer complaint received 2022-08-18
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. (KS)

I have been contacting this company each month since XXXX. I have contacted XXXX and Experian as well. I have notified ALL parties of the inaccurate reporting and they have failed to remove the information from my credit reports or even attempt to fix the error. I have attached a copy of the reporting to this complaint. As you can see they are reporting the account in dispute but have failed to correct any errors, in turn compromising my credit profile. 

This company has failed to report my last reported credit limit on this account. The high balance can't be determined. the dates for last activity are inconsistent, XX/XX/XXXX and XX/XX/XXXX. The balance owed is significantly higher than the past due balance and this account has been closed over six years, so the past due amount and amount owed should be the same. XXXX XXXX  XXXX is also reporting to XXXX that this is an unsecured loan and reporting to Experian that it is a charge account. 

This account is reporting inaccurately per state and federal laws and not reporting up to credit reporting standards per the Consumer Reporting Resources Guide. XXXX XXXX  XXXX have failed to report mandatory information such as my last credit limit.
Consumer complaint received 2019-04-01
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. (NY)

The facts that I know is that an inquiry was placed on XX/XX/XXXX by XXXX  XXXX. The address that shows up is XXXX XXXX, NJ XXXX and their phone number is ( XXXX ) XXXX. After contacting XXXX  XXXX on XX/XX/XXXX, I was informed that XXXX was the one that used the software for this inquiry. I was given a reference number and instructed to call ( XXXX ) XXXX. After doing so and providing my name, it was mentioned there wasnt any information in the system at the time. 
In addition, a person by the name of XXXX contacted me from XXXX and let me know that she sees an application started but not finished. I let her know that I never started anything and that Im working with XXXX to get this fixed. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, the inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
I called the company on XX/XX/XXXX and I called XXXX and Transunion on XX/XX/XXXX and XX/XX/XXXX of XXXX and they have no been any help at all. They said there is nothing they can do. Except to contact the creditor and ask for a deletion letter which I did and still waiting on but have not heard a Yes or No on.
Consumer complaint received 2022-08-18
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. (KS)

I have been contacting this company each month since XXXX. I have contacted Transunion and XXXX as well. I have notified ALL parties of the inaccurate reporting and they have failed to remove the information from my credit reports or even attempt to fix the error. I have attached a copy of the reporting to this complaint. As you can see they are reporting the account in dispute but have failed to correct any errors, in turn compromising my credit profile. 

This company has failed to report my last reported credit limit on this account. The high balance can't be determined. the dates for last activity are inconsistent, XX/XX/XXXX and XX/XX/XXXX. The balance owed is significantly higher than the past due balance and this account has been closed over six years, so the past due amount and amount owed should be the same. XXXX XXXX  XXXX is also reporting to Transunion that this is an unsecured loan and reporting to XXXX that it is a charge account. 

This account is reporting inaccurately per state and federal laws and not reporting up to credit reporting standards per the Consumer Reporting Resources Guide. XXXX XXXX  XXXX have failed to report mandatory information such as my last credit limit.
Consumer complaint received 2022-08-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Registered for HAF back in XXXX, applied in XXXX, approved for utilities, XXXX, internet and not for mortgage relief. Im in XXXX  XXXX due to no options from private lender for my arrears fro Pandemic being unemployed due to closure of my business. I need to appeal HAF there decision I am low income and my XXXX  XXXX payments are to high because of arrears being paid back. Please help me find who I should be appealing this to? The XXXX counsel did a three way call with HAF and nobody can tell us why I was denied or how to appeal this decision. Since applying my income has gone down more with my partner leaving. I did send all bankruptcy paperwork to my caseworker as requested. I would like to know why and how to appeal this!
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX
Consumer complaint received 2022-08-18
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. (SC)

I sent sent a letter on XX/XX/XXXX To XXXX, XXXX and.Here is my Tracking ID Complaint XXXX, How ever it has been more than 30 days and the Credit bureaus have yet to send my investgation back, this is not making sence 15 U.S. Code 1681i - Procedure in case of disputed accuracy.if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer and reseller
Consumer complaint received 2022-08-18
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. (NC)

im having some very weird issues with my credit scores and the discrepancies amongst the three bureaus and my FICO score. The range of my score is so vast and the information is so different on all three I dont know whats real and I dont know how Im being denied credit. My main issue is with Trans Union. I am very frustrated because I can not log into my account the website keeps refreshing and asking me for my information over and over when I phoned them trying to get someone in customer service I can not get anyone to talk to unless I give a robot all my information like my Social Security number my birthday my address and that is not OK. 

I really could use some help determining why my score is so low when the credit card companies give me my letter of denial the score they give me is way off and so low from what I see when I log into XXXX or XXXX  XXXX. Also, theres information on my credit report that shouldnt be there anymore and I am very ineffective and getting it taken off. I have disputed it it has been resolved and yet its still on there really negatively affecting my life.
Consumer complaint received 2019-02-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TN)

I called and spoke with a representative about a {$460.00} loan that with interest currently is over {$800.00}. I asked if i pay {$500.00} can they forgive the rest. They replied No, they weren't ready to make a settlement offer. The next day they called that afternoon twice. On the second time i asked them not to call again. They responded by they will continue to call because i owe them. All calls should be recorded.