davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (MO)

XX/XX/XXXX, I applied for a loan modification with my home loan company-Home Point Financial after losing my job. Each week I continued to call to check the status, only to be told I can only speak to XXXX, my point of contact. I leave messages for XXXX, but he never returns my call. 

In XX/XX/XXXX, I filed for Chapter XXXX Bankruptcy. In XX/XX/XXXX, we receive a note on our door from Home Point Financial to call them. Upon calling, the customer service representative says our Loan Modification is complete provided we pay XXXX, XXXX & XXXX payments as a trial through a HAMP program. We pay all payments on time, in XXXX, XXXX & XXXX. In XXXX, Home Point Financial files for relief in our bankruptcy, only to withdraw their motion on XX/XX/XXXX citing we had successfully completed a loan modification. Each month we asked for a copy of the loan information regarding the modification and received nothing. 

On XX/XX/XXXX, we finally received a package containing the loan modification documents. We signed, notarized and returned the documents within one week. We continue to pay the amount instructed each month and are told our loan is good and everything is complete. We noticed several times that our payments were not being applied to our account but held in an unapplied payment section. 

On XX/XX/XXXX, we called to make our mortgage payment and are told they will not accept less than {$12000.00}. On XX/XX/XXXX, we receive a letter saying our loan modication was denied due to final paperwork not returned and {$10000.00} is due immediately. 

Home Point has reapplied all payments and denied the modication due to Page 5 missing a date per our conversation with a rude customer service representative, leaving our loan appearing to be 6 months past due!!! It is not past due as we have paid each month, as instructed. We consult our copy of the paperwork and see that page 5 does not have a date area, but is rather the notary form. We send in another copy of all signed documents. We continue to call each day, along with filing an appeal and are told we can only speak with XXXX. XXXX will not return our call. We have contacted HUD and they are unable to get a response from Home Point as well. We want to keep our home and for them to honor the modification that was agreed and sign on. We would also like them to return our calls or to communicate with us in some way! We continue to call each day to no avail.
Consumer complaint received 2022-06-19
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. (OK)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2021-04-13
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: Experian Information Solutions Inc. (GA)

Hello, I did not consent to, authorize nor benefit from any of the following inquiries on my credit report. Block and Remove I am also attaching a copy of my FTC report that I filed as well for Identity theft.
Consumer complaint received 2021-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

Debit card was fraudulently used at XXXX / XXXX for the amount of XXXX $ In small increments over about a period of a month. 

Multiple small transactions were made over a period of a month or so. 

Attempted to call XXXX upon finding these transactions in my statement. This did not resolve my issue.

Contacted Navy Federal Credit Union to file a dispute and replace my debit card. 

Navy federal denied my claim for fraud with little to no evidence given to me as to why. 

They have refused to helped since.
Consumer complaint received 2018-12-19
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: DIRECMANAGEMENT, INC. (AL)

The company direct management called my place of employment last week and I was not at work. Then they called again today XX/XX/2018 and I told not to call me at work. The women insisted that they need to collect payment. I again stated i was on the job. Finally I got her to get off the business phone.
Consumer complaint received 2018-10-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AZ)

I spoke with a rep at Quicken Loans about refinancing, I decided to pursue a different avenue and he left me alone. The I got emails and text back and forth with another rep and indicated my biggest  issue was their persistence. After being done with her I kept receiving numerous calls from XXXX ( XXXX ) XXXX, 7 in the past 2 days alone, 2 I answered he just recorded my voice and hung up. There are also a few other numbers I think are them as well ; ( XXXX ) XXXX called me 5 times in that same span.
Consumer complaint received 2022-06-19
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. (NJ)

My Credit reports are showing that i have or had a mortgage account with XXXX XXXX with a balance of about {$700000.00} and it was liquidated or deed in lieu when no such debt existed with XXXX XXXX and in any event was discharged in XX/XX/2014.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (IN)

I had a credit card through XXXX XXXX Credit Card through XXXX  XXXX opened XX/XX/2019 which was purchased by Goldman Sachs this year. I had payments set on autopay and was never late.

When the acquisition occurred it was not communicated to me by mail or email and the autopayments were shut off. 
I received a notice that a payment was past due from this company I never opened an account with an had never done business with. Confused, I called them and they told us they acquired my XXXX  XXXX XXXX Credit card and they didn't keep my autopay active, I immediately asked if this would affect my credit, they assured me it was not as it was a result of the acquisition and many customers had the same issue. 
I set up autopay and made a payment the following month they didn't process the auto pay and we went through the same process of waiting on hold for 45+ minutes so I just paid the balance in full of more than {$4000.00} on XX/XX/XXXX to avoid dealing with the incompetence. Then, they reported me late and my credit score dropped by XXXX points as a result of their false report. 
I have never had a late payment on this account or ANY account in the last XXXX YEARS of my life. I am BEYOND frustrated with this company, its 45 minute hold time, violations of federal law in both communications, payment and managing acquired customer accounts. 
This business had legal obligations to communicate with its acquired customers regarding automatic payments and it failed to do so. 
This business falsely reported a late payment adversely affecting my account in violation of the FCRA
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

XXXX Bank Delaware reported that they sold an account to PRA group that are reporting on XXXX and XXXX. They said the account has been updated to show a dismissed chapter XXXX bankruptcy. Bankruptcy case number XXXX was filed XX/XX/2017 and has been confirmed. This account from XXXX still shows delinquent.
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

I went online to check my credit report in XX/XX/2019 and realized that XXXX XXXX is reporting an account negatively on all three of my credit reports, AND XXXX XXXX XXXX is reporting the same negative account. I am aware that no account should be reported twice ( duplicate reporting ). 

I disputed this issue on XX/XX/2019 by letter to all three credit agencies. When my online report updated XX/XX/2019 it showing both these accounts are STILL reporting across all three reporting companies.
Consumer complaint received 2020-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (TN)

My name XXXX XXXX XXXX I use paypal to get money from a car sale which my first time using this and they lett me setup an account just fine so i sale a car through XXXX the guy pays with paypal  then drives from north Carolina to tennesse to pick up car then when he arrives back home he makes a claim to paypal  and XXXX he never recived the car which he did pick up so they take the money back then he loses the claim and they put money back to my paypal but pay pal   says I'm risk so they close my account and now wont let my hold off my account I have XXXX kids I need my money I deserve the guy has my car I need help
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft and I need you ( Experian ) to remove false information reporting to my credit report.

I have tried the following : 1 ) I sent certified letters to the creditors reporting those addresses and to update their records with the correct information, and to date I have received no response.

2 ) I have called EXPERIAN on multiple occasions, but they said they can not remove because they are attached to tradelines, but those tradelines are not mine.

3 ) I have been sending Experian certified letters for months now requesting for those fraudulent addresses to be removed, and to this date they have not been removed, which is why I am filing a CFPB report.

4 ) I have sent EXPERIAN the identity theft reports with specific instructions about the fraudulent addresses, and to this date they have done nothing to get them removed.

5 ) I am DEMANDING for EXPERIAN to remove the fraudulent addresses and phone numbers immediately due to identity theft, please see below for the list of addresses and phone numbers. 

Addresses : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone Numbers XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

This utility company is saying I have a past due balance which they have sent to collection, It does not belong to me, and I never had an outstanding balance with this company. 

Account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number Not Provided I have called on numerous occasions and haven't been able to rectify this issue. After being put in circles I have no other option to have this situation escalated.
Consumer complaint received 2018-08-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX there was an auto taken out in my name that I wasnt familiar with. Its from XXXX XXXX XXXX in the amount of {$10000.00}. Now, Ive called and called about this matter. I was told it would be taken off my credit back in XX/XX/XXXX when I called the bureaus. Then, last month I was told it would be taken off due to Statute of  Limitiations ( SOL ) of debt reporting in Michigan is 6 years. This account is 8 years old.  This company uploaded a random payment that I DID NOT make in XXXX. XXXX XXXX XXXX is such a fraudulent company!!! Please remove this from my 3 credit bureaus, for it says by law, that 6 years is the max amount of time debt reporting can report to your credit. Also, XXXX XXXX opened XX/XX/XXXX with a balance of {$760.00}, which is way beyond Statue Of Limitations reporting. There are 2 fraudulent debt collections from XXXX XXXX in the amounts of {$260.00} & {$250.00} that dont belong to me at all.
Consumer complaint received 2022-06-19
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: Robinson, Reagan and Young PLLC (GA)

Hello, I have been a victim of fraud which has affected my credit reports with the following credit bureaus XXXX, XXXX, and XXXX. The agency Robinson , Reagan & Young, PLLC is reporting as a collection account with a balance of {$420.00} past due as of XX/XX/2022. I have sent continuous verifying letters to this company, and they have continued to send " verified information '' that the account is mine without adequate proof that the debt actually belongs to me. I was not the person who opened this account with the original creditor XXXX XXXX XXXX. They have continued to violate my rights as a consumer by continuing to report this information on my credit report. They have not accurately verified that this account belongs to me nor has any of the collection agencies they have placed the account with been able to verify either. I am asking that you all immediately assist with rectifying this matter and getting these inaccurate items removed from my credit report immediately. Thank you
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

Sent letter on XX/XX/XXXX to XXXX XXXX re : account closed on XX/XX/XXXX. This was due to the last Real Estate crash., Date of first delinquency by me was XX/XX/XXXX, which is over 6 years. In my XX/XX/XXXX letter, I asked them to remove their negative comments, They continue to report that my % of delinquencies are too high. This is my ONLY one. I have one with them only for {$840.00} which is 6.25 years. My request & removal of comments were denied. Their actions resulted in an XXXX score that is XXXX points below the other two agencies.. 

I have held a XXXX with XXXX XXXX since XXXX. They claim my card is only XXXX XXXX XXXX. They continue to report that I have too high credit usage, my usage is currently 17 % of their card ( my only credit account ) .I have asked by phone repeatedly to correct since XXXX. The last date of my earliest delinquency is XX/XX/XXXX, m which is 7 years old. They continue to report both of 2 negative comments : Too high credit usage, which is now 17 % of my only card, XXXX XXXX. Also too many serious delinquencies, I have only one ( XXXX ) which is now 6.25 years old.

Both of these actions have resulted in my denial of a reasonable car loan, based on the negative comments. I am asking that you remove these comments immediately from all 3 credit agencies.
Consumer complaint received 2018-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (FL)

I received a letter in the mail from Penn Credit ( ID Number : XXXX ) on XX/XX/XXXX stating I owe a balance of {$160.00} from XXXX XXXX XXXXXXXX XXXX  ( account  XXXX ). However, when I called the original merchant/creditor, they state there is no record of a balance being owed nor did they solicit Penn Credit to collect any debts. This balance was paid months ago ( payment confirmation : XXXX ) after I closed out the account with the XXXXXXXX XXXX XXXXXXXX prior to relocating to XXXX, FL.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Sent letter on XX/XX/XXXX to XXXX XXXX  re : account closed on XX/XX/XXXX. This was due to the last XXXX XXXX crash., Date of first delinquency by me was XX/XX/XXXX, which is over 6 years. In my XX/XX/XXXX letter, I asked them to remove their negative comments, They continue to report that my % of delinquencies are too high. This is my ONLY one. I have one with them only for {$840.00} which is 6.25 years. My request & removal of comments were denied. Their actions resulted in an XXXX score that is XXXX points below the other two agencies.. 

I have held a XXXX with XXXX XXXX since XXXX. They claim my card is only XXXX XXXX XXXX. They continue to report that I have too high credit usage, my usage is currently 17 % of their card ( my only credit account ) .I have asked by phone repeatedly to correct since XXXX. The last date of my earliest delinquency is XX/XX/XXXX, m which is 7 years old. They continue to report both of 2 negative comments : Too high credit usage, which is now 17 % of my only card, XXXX XXXX. Also too many serious delinquencies, I have only one ( XXXX ) which is now 6.25 years old. 

Both of these actions have resulted in my denial of a reasonable car loan, based on the negative comments. I am asking that you remove these comments immediately from all 3 credit agencies.
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (AZ)

On XX/XX/2020 I received information via my credit monitoring service that he credit limit on my Target RedCard was reduced from {$1300.00} to {$500.00}. Since I normally only use this card a few times a year and always pay the statement balance immediately upon receipt I was concerned and contacted RedCard 's customer service to find out why. I was told that my credit line was reduced due to inactivity for " several '' months, which is not a policy I was ever made aware of previously. Had I known or received any prior notice that this action was pending if the card was not used by a certain date I certainly would have made an immediate purchase with the card simply to protect my credit rating from the damage of a negative action. When I expressed this I was told that " any changes to a customer 's credit line are listed on the monthly billing statement '', which obviously is after-the-fact and does not give the customer an opportunity to take action to prevent the action. 

I have plenty of credit cards and can easily survive without my Target RedCard, but I feel that it is unacceptable for financial institution to take unwarranted actions like this that damage a person 's credit rating, and especially at a time when the XXXX pandemic has put our financial security in a particularly precarious position. At a very minimum they should be required to provide customers a prior notice to pending actions so that they have the opportunity to remedy the situation if they are able.
Consumer complaint received 2022-06-19
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept ED XXXX XXXX XXXX XXXX, Dpt EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (FL)

This company SELF XXXX continues to show an open balance when I have tried consistently to resolve this, At first this company wa sall good my score went up. I went through the whole program and finished. 
There was a zero balance and they even sent a check back to me to indicate I am finished with the program. 

Then I heard nothin else and now they keep showing a balance and keep reporting incorrect information on my credit report. 
ask them to mail you the letter that my account zeroed out and I succesfully finished their program.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. XXXX XXXX  has did this on XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. XXXX, XXXX, XXXX of XXXX. XXXX, XXXX, XXXX of XXXX and now XXXX of XXXX.