davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

Navient has given misinformation about my loan, they send several emails a day all with misinformation. Navient calls and emails me several times a day although I have provided proof I am enrolled full time in school until XX/XX/2020 XX/XX/2020
Consumer complaint received 2020-02-08
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I am looking at my credit file and I notice a few error on my file. I live ar XXXX XXXX XXXX XXXX OH XXXX. Please remove the following address : XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
The follow accounts are not mine XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2019-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Four times this year, someone has been able to access my credit card account and change my address to get another credit card and 1 time in Florida that tried to use it to get {$250.00} if the card. Even though I have a freeze on my account, and they are suppose to send a code to my phone to make any changes. 3 times it was for an address in Florida and 1 time it was for an address in XXXX, California, which I haven't lived in XXXX, California in almost 9 years. I just found out on XX/XX/2018, that someone tried to get another card from my account, even thought I have a fraud alert and I froze my account. Everytime this happens it lowers my credit score.  I have a XXXX credit score and I'm trying to buy a house. I don't want to close this account as it will lower my score even more. I have 7 credit cards and this is the only one that keeps getting hacked. I'm thinking now that it is an inside job. No matter how my alerts or freezes I put on this account, even changing the name to my married name, someone is still able to access this account. They have sent me 4 new cards  and it hasn't done any good. I WANT THIS TO STOP. I'm going to pay this account off and never use this account again. I shouldn't have to do this.
Consumer complaint received 2019-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (NY)

I am not familiar with this items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is not my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I MA DESPERATELY TRYING TO GET INTO A NEW HOME WITH ALL MY SAVINGS IN ESCROW AND MY LIFE IS UPSIDE DOWN BECAUSE OF YOUR COMPANIES MISTAKES. I AM A VICTIM OF IDENTITY THEFT. 

I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you. The information is inaccurate and incomplete. AS THERE ARE DIFFERENT LISTED OPEN DATES AND ACCOUNT NUMBERS BETWEEN THE DIFFERENT BUREAUS. therefore I don't even know what this is. 

Acct number- XXXX OR XXXX with open dates listen from XX/XX/2018 to XX/XX/2018.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I have written and called to address these fraudulent accounts on my credit report with no resolution. I also have submitted information for these accounts to be removed The following accounts are listed incorrectly on my report XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXXl XXXX, XXXX, XXXXXXXXk/XXXX, XXXXXXXX XXXX  XXXX, XXXX  XXXXXXXX. I also have the following inquires XXXX XXXXXXXX XXXX, XXXX XXXX/XXXX,  XXXX/XXXX, & XXXX/XXXX.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

I Applied for credit with XXXX XXXX XXXX Credit Card XX/XX/2019. They approved the card but moved the status to pending. So I was told that I needed to call Experian because I had a fraud alert placed on the account. I had this alert placed on the account to protect my account because Experian had been hacked and my account had been compromised. So I was given the contact number by the XXXX XXXX account rep to contact Experian at XXXX first off its very challenging getting a live representative on the line it took 5 phone calls and navigating through a endless stream of menus. Finally I got in touch with a rep and explained that I had applied for credit and needed to update my fraud alert because it did not have my phone number. When I initially set up the fraud alert on my account my main contact number was requested as part of signing up. So Experian was remiss. So she proceeded to ask 3 questions to authenticate the account I answered the 3 questions. The rep then explained that I had answered the questions wrong. My response was that I had answered the questions correctly and the problem was not that I had answered the questions incorrectly but the third party did not have the right information or marked a question that was accurately answered as wrong. I think the question in reference to my tag number they had was correctly answered but the third parties database marked it as being wrong and I said it correctly. So then I asked when could I called back to try again she replied that she could not give me that information but she would notate the Experian database so other reps would not allow me to add my phone number and that I could not call again. I would like for my report contact information on my Experian credit report to reflect accurate information according to the Fair Credit Reporting Act. It does not have my correct contact number XXXX posted on the fraud alert as it should. Why do they make it so difficult to do such a simple task as add a phone number.
Consumer complaint received 2019-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WI)

XX/XX/2016 I received a letter from Ditech stating my mortgage payment has not been received, thankfully for me I keep very good records and at the time I was paying via money order because I was not going to pay their ridiculous fee of {$12.00} to pay online. I called Ditech and let them know I paid my mortgage and I don't understand what the problem is. They told me I had to go to the business where I purchased the money and get proof which cost me {$24.00} on top of the late fee they were trying to charge me. After so many phone calls and broken promises from the incompetent people that work at Ditech I was able to get the situation taken care of weeks or months later. Come to find out they applied my payment to someone else 's account. The next thing that really broke the camels back was when I received a notice in the mail XX/XX/2016 from Ditech stating they paid my taxes which are not escrowed, we pay out of pocket every year. I called them and told them to take their money off so I could pay my taxes, they refused stating I was delinquent on my taxes. In my County our taxes are not due until XX/XX/XXXX so again Ditech was messing with my account information once again, they stated they inadvertently entered our account and paid our taxes when it should have been another members account. I was promised a letter of resolution and a call to our county treasurer to reverse the payment off so I could pay my taxes. After all this time we are now being sued for the tax payment and being threatened by the collection agency working with these losers. Please do not do business with this incompetent company. Customer service has no clue what is going on and they are extremely rude. Needless to say after the tax incident I went with a credit union in my hometown and have not had one single problem with them. 
One other note : this company has already file bankruptcy twice that I am aware of. 
BUYERS BEWARE-THEY ARE SCAM ARTISTS
Consumer complaint received 2018-06-19
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

XX/XX/XXXX spoke with them several time explained situation and told them my next pay day left a message on my phone with them calling me a XXXX tried to speak with a manager he hung up on me trying to handle situation my bank account had fraud over the weekend told him when I could handle this matter would like to handle matter but insultins will not be acceptable
Consumer complaint received 2015-12-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (WY)

my mortgage with Green Tree as the servicer got foreclosed on in XXXX at XXXX sale then I got a satisfaction of mortgage in XXXX from Green Tree Servicing LLC before the redemption time was up. Then in XXXX. I received from Ditech Financial LLC that my terms of my Account Modification Agreement my interest rate is to change and my payments start on XXXX/XXXX/XXXX also received the same notice for my ex wife that had nothing to do with my mortgage loan I took it out to pay her off in the divorce. then on XXXX XXXX I was served with NOTICE TO QUIT LEAVE AND VACATE then with a COMPLAINT FOR FORCIBLE ENTRY AND DETAINER from XXXX XXXX MORTGAGE XXXX then I went to court today XXXX of XXXX plaintiff appeared by phone I did not have a lawyer and I had all the paperwork and a witness but I lost in court. I have been protesting the foreclosure way before it went to sheriff sale because of misused escrow funds and harsh collection tactics missing payments over paid insurance modifications not recorded broken chain of title and fraudulent foreclosing methods. my mortgage was assigned to MERS when I took it out in XXXX then assigned Green Tree Servicing LLC in XXXX as recorded to XXXX XXXX clerk but I made payments to XXXX Mortgage then XXXX loan Servicing that were not recorded also my satisfaction of mortgage is signed by someone that works for Green Tree Servicing LLC as assistant secretary for MERS the same on assignment of mortgage to Green Tree Servicing. I 'm still in my house but if I ca n't get it stopped FORCIBLE ENTRY AND DETAINER will be in three business days is there anything you can help me with? XXXX XXXX MORTGAGE XXXX is not on any of the recorded documents before foreclosure not until after I got satisfaction of mortgage from the XXXX clerk.
Consumer complaint received 2021-10-18
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: CCS Financial Services, Inc. (NY)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on CREDIT COLLECTION SERV ( Original Creditor : XXXX  ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

I have no negative information list on XXXX according to a report sent by them. However, they are providing negative information to Banks and Credit Unions that is affecting me being able to open and account. They refuse to respond to my inquires and demands to fix this.
Consumer complaint received 2019-06-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC (CA)

This XXXX mtg co is the worst. 
They bought my mtg. in XX/XX/2019. When I went through refi they found out that previous mtg co did NOT pay last quarter taxes. Now after 2 mos. of getting everything in order they tell me I MUST pay the taxes again in order to close on refi. I pay my taxes every month. Plus,  I was told that we were closing on the XXXX and now I do not have XXXX XXXX payment. 

This is XXXX  XXXX!! The old mtg co said they would pay the taxes & penalties. BUT, XXXX Off Roundpoint paid bot quarters and penalties. 

Now in order to close on my refi they want me to pay the taxes again ar closing and then wait for the refund from county which will take months, per county. 

I paid my taxes!
Consumer complaint received 2021-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On various websites, XXXX XXXX keeps showing up as me - XXXX XXXX XXXX I was adopted and the only people I am related to are XXXX XXXX XXXX and XXXX XXXX of XXXX, WV. I was born in XXXX to a woman named XXXX and her last name was and is not XXXX, so it's not related. This woman tried to use my XXXX policy to report accidents to my XXXX account and it took me forever to prove the accidents were not me but her mixed with my identity. My social is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX va. I've never known this woman or any XXXX. SHe is a fraud and I need someone to detach my name from her as she has had accidents, lived in addresses I've never lived at, and it effects verification checks like on XXXX. When I try to answer questions to verify my ID, I get all but 1 wrong because of her fraudulent activity. Please help me XXXX is my old number to prove more verification. But now its XXXX
Consumer complaint received 2022-11-16
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. (FL)

XXXX XXXX XXXX XXXX have contacted Equifax to let them know there was an error in their computer system and the payment history has never been late or past due, Due to that error Equifax have lower my credit score points over XXXX points in the past 2 months, the XXXX XXXX XXXX XXXX XXXX also a personal long time fried have called and faxed proof to Equifax that the information was wrong. 
Last report attached said " it has been fixed '' I see the updated on bold updated to current payments, but my credit score has not been fixed back to prior to XX/XX/XXXX when all of this was stared it was XXXX as right now Equifax have reported XXXX XXXX points.
Consumer complaint received 2018-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

PORTFOLIO RECOV ASSOC is attempting to collect and is reporting to XXXX, XXXX and XXXX an unverifiable debt that i do not owe in the amount of approximately {$1800.00}, I never signed any contract, agreement or Document with PORTFOLIO RECOV ASSOC saying i owe this debt or agree to pay this unverified debt, i never gave authorization for PORTFOLIO RECOV ASSOC to obtain or use my personal social security number, Photo ID, address or phone number, i did not provide this company with this private and personal information therefor the debt does not belong to me and i believe PORTFOLIO RECOV ASSOC it attempting to collect on a fraudulent debt.
Consumer complaint received 2022-12-14
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. (TX)

The Fair Credit Reporting Act shows violations by the following accounts : 1. Collections Account : XXXX XXXXXXXX XXXX  # XXXX ( XXXX ) XXXX. Collections Account : XXXX XXXXXXXX XXXX  # XXXX ( XXXX ) These accounts violate the following sections : Section 602 Congressional findings and statement of purpose [ 15 USC 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Section 604 Permissible purposes of consumer reports [ 15 USC 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Section 605 Requirements relating to information contained in consumer reports [ 15 USC 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

and Section 623 Responsibilities of furnishers of information to consumer reporting agencies [ 15 USC 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Considering my right to privacy, exclusion of reporting that isn't of criminal conviction, and the fact that I the consumer never gave the reporting agency written consent to report these accounts. The following accounts are being reported in error. Please delete the above accounts ASAP.
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (DE)

Today XXXX I received an email from one of credit card companies stating that I received a negative credit score. Upon investigation I found that XXXX sent my info to collections with credence resource management for {$880.00}. I never had XXXX and this is a result of identity theft. I tried calling Credence and they said the last digit of my SS number was wrong and they arent able to provide me with any information. This is the third time credence has gone above and beyond to affect my credit report. In XXXX, I believe the XXXX, I had to file identity theft when credence dealing with att filed a debt collection on me.
Consumer complaint received 2019-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I was charge for services I didnt agree to. My lady modification on XXXX was a higher percentage rate than my prior mortage Also I was not given equal opportunity in XXXX and felt the bank discriminated to due my XXXX allow me to utilize programs to assist with my mortage modification causing me to owe significantly a higher amount than what purchased house for. 

They also took 2 years to approve my mortgage. 
I try to recently address this matter I was denied on XX/XX/XXXX
Consumer complaint received 2024-03-04
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-06-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (VT)

For reference, the mortgage providing company ( XXXX ) that I have been working with is a third party that connects me to other lenders. On the morning of XXXX, XXXX, on their website, I received a very attractive refinancing rate of 15yr at 1.75 % with a lending credit of {$6700.00}. A rate that they pull directly from the lending company ( Caliber Home XXXX ) that they work with. I applied for the rate and provided all the required paperwork for the loan. I signed a loan disclosure that contains the rate information. In the evening, I received a call from a credible loan officer saying that the rates provided to them from Caliber Home XXXX was a mistake. Caliber has published these numbers in the morning for 2 hours before realizing that it was a mistake and then took it down. I told the loan officer if he could look into it with Caliber to see if they would own up to their mistake and honor the rate that they advertised. Of course Caliber replied to the Credible loan officer this morning saying that they would not honor the rate. The difference between their current rate and the falsely advertised rate is about {$14000.00} worth of points. I have only attached the loan rate portion of the loan disclosure document since the document itself is above the size limit.
Consumer complaint received 2018-11-19
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: CURO Intermediate Holdings (CA)

1. Curo Management - 2 inquiries from on the same day on my XXXX. I do not know who this company is and there is no reason for an inquiry on my report I have not applied for any loans.

2. XXXX XXXX - 2 inquiries on my XXXX  - I have not applied for any XXXX XXXX accounts. XXXX XXXX  keeps showing up on my credit reports and I have not applied for XXXX XXXX