davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I have a mortgage with Loancare the loan servicer that took over the loan from XXXX XXXX. 

During my phone call on XX/XX/2021 with them I was told that my loan modification plan has been approved and that I shall receive a package to sign that would contain the loan modification terms lowering the interest rate with the unpaid balance amortized over the life of the loan. 

I called again on XX/XX/2021 and was told that I should wait till the first week in XXXX. 

Till today I have not receivied anything from them. 

I am trying to begin regular monthly payments after the forebearance plan ends at the end of this month and am concerned that Loancare has not followed up and responded. 

On their website my online account shows that my Loan Modification plan has been approved and states, " You should receive the approval within the next 7-10 business days. Please review these documents contact Customer Service if you have additional questions ''. This has been showing up online for three weeks. 

I have tried to call their service department but hear only recorded information without an option to speak to a live person. 

I would like to receive their documents to sign because I want to remain current on my loan from next month.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

There are incorrect personal information that is reporting on my credit file. I have tried to dispute this incorrect information with the credit agencies. Please assist me in getting this incorrect information removed from my credit profile. 

Incorrect Names : XXXX, XXXX, XXXX  Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Violations 15 USC 1681 Section 602 State I have a right to privacy.

15 USC 1681 Section 604 A section 2 It also states that a consumer reporting agency can not furnish a account without my written instructions.

Black mail is defined as demanding money or another benefit from ( someone ) in return for not revealing compromising or damaging information about them.

Identity theft is defined as the fraudulent acquisition and use of a persons private identifying information, usually for financial gain.
Fraud vitiates the most solemn contracts, documents and even judgments. ( U.S. vs XXXX, XXXX XXXX XXXX, at pg. XXXX ) There is no known law that says I have to pay anyone anything. 
I do not have a contract with these unconstitutional Credit Reporting Agency. I used the address on my consumer report and they engaged in untimely games collecting my correspondence. These are publicly traded companies engaging in deceptive practices which violates the Truth and Lending Act.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are incorrect personal information that is reporting on my credit file. I have tried to dispute this incorrect information with the credit agencies. Please assist me in getting this incorrect information removed from my credit profile. 

Incorrect Names : XXXX, XXXX, XXXX  Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-08-19
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. (MA)

I applied for a Self Lender account and inXX/XX/2017 I was diagnosed with XX/XX/XXXX XXXX XXXX XXXX. I called the company to close the account because I wasnt working anymore and was unable to make payments. The company continues to report two late payments on my credit reports. I didnt take out a loan, it is a company that I pay to help rebuild credit. I called to close it and they never closed it until my bank denied the payments. I would like them to remove themselves from my credit reports so that I can get my life back after fighting XXXX three times within the last four years. This is making a huge impact on my report and it is unfair especially since I never owed them anything and called to cancel before the due date. Please remove from my credit reports.
Consumer complaint received 2022-08-28
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. (NV)

I am a victim of identity theft, so everyone knows, I am in the process of purchasing a home. As usual, private, XXXX, XXXX, individuals from dangerous lawbreaking organizations, are working behind the scene to cause delays and blockages. They want me in constant hardship. Their hateful ideology cause them to use the darkweb, darknet to covertly attack me. They abuse the entire IoT, and use other unorthodox practices to bring harm. Under the Fair Credit Reporting Act, people have a right to file a dispute with credit reporting companies to correct inaccuracies on their reports ; and have been disputing credit discrimination for years. I am dealing with a lot of retaliation from these slavemaster/puppeteer-minded criminals. They obsessively want me in a vulnerable situation. Having low credit scores will prevent me from obtaining housing, which will help these XXXX XXXX, XXXX violators with their targeted, abusive goals. Criminals have sold my information on markets, illegally impersonated me, attacked my finances ( stole money out of my accounts ), attempted to open loans in my name and the list of abusive attacks has been going on for years as they disrespect and violate my human rights. It must STOP.
Consumer complaint received 2024-02-02
Product: Credit reporting 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. (DE)

I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NV)

I held Synchrony credit cards for 8 years ending in 2020 when for no reason whatsoever Synchrony closed them all. I *never* mishandled credit my entire life, have an exceptionally high credit score and a 30-year solid credit history, yet Synchrony invented a lie and closed my accounts. When I filed a CFPB complaint about this in 2020, a Synchrony executive office staff member promised me that I was not blacklisted and could reapply. 

Every time I reapply Synchrony immediately refuses my application because I am blacklisted. 

I received a pre-approved offer for a Synchrony MasterCard and submitted the application. They pulled my credit bureau reports and instead of giving me the results, they directed me to a website XXXX. This website does not belong to Synchrony at all and it is instead a website for a XXXX company written only in XXXX. 

I believe Synchrony is illegally discriminating against individuals because either they are stationed overseas or for other illegal and immoral purposes. Also, Synchrony has shown themselves to be liars by blacklisting when they have expressly promised they were not,.
Consumer complaint received 2019-01-24
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. (OH)

This is the third time I have requested actual proof of ownership, proof of contract from 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 # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX Taking assignment of Debt ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency. ( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. I believe all these are inaccurate and is in violation of both FDCPA and FRCA.
Consumer complaint received 2018-03-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX I applied for an FHA mortgage with an exception request and was denied. I was told by my mortgage broker.. '' it had not been enough time ''. 

In the exception request we explained in XX/XX/XXXX my previous home had been foreclosed on. At that time, Citi Mortgage failed remove my name from the deed. I worked tirelessly for approximately 18 months after the foreclosure date to have my name removed with no luck. I finally gave up as I could not afford to pay an attorney to continue to fight this battle for me. 

All the North Carolina state documents confirming the XX/XX/XXXX foreclosure had been attached to the request. 

I have clearly already waited the full 3 year waiting period and now am being told I must wait the full 3 years again. At that point I will have waited well beyond the required waiting period. 

This is not acceptable.
Consumer complaint received 2019-01-24
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. (NY)

XXXX XXXX transferred my account to XXXX XXXX XXXX without notifying me via email that a transfer would take place. Neither XXXX XXXX nor XXXX XXXX XXXX provided me written documentation of the transfer or new payment plan to my current address and thus I was marked late by 30 days of payment. I spoke with XXXX XXXX XXXX and they admitted that many other borrowers had this problem, but XXXX XXXX XXXX stated that they could do nothing to rectify the reporting of the late payment to the credit bureau. I paid off the account in full when I discovered the issue.
Consumer complaint received 2019-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (KY)

XXXX  has failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay General Revenue Corporation, which XXXX reports negatively that I owe this company. There is no contract. 

This debt is not mine.
Consumer complaint received 2022-08-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

Since the pandemic, I am a XXXX veteran, I have communicated the struggles of making. I have tried several times to communicate with Carrington Mortgage with completing a Mortgage Assistance Application a few times. There have been several incidents, miscommunications, inaccurate information that has been given to me. Recently, I received an email showing my Mortgage Assistance is with the underwriting team, however, my mortgage shows it is in Default. When I try to ask about my mortgage, I told the letters for foreclosure were a mistake that was sent out but nothing is correct on my credit report.
Consumer complaint received 2022-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service (NV)

After filing a recent tax return, the day before my refund was deposited I recieved a letter stating my refund was intercepted to pay a collection from AAFES. After downloading my IRS transcripts from XXXX XXXX XXXX I noticed every single refund was intercepted. I contacted XXXX which was the third party collection agency and was informed AAFES had been intercepting my refunds and I still had a balance of XXXX as of XX/XX/XXXX. The rep on the phone said notice was sent to the address they had on file and I informed I had a new residence and updated my mailing address. On XX/XX/XXXX I recieved my XXXX  file in the mail. This file is incomplete, contradicting and full of errors. Returned Check Fees, Interest and civil recovery charges, plus transactions stating I wrote a check to AAFES for XXXX dollars and another check for XXXX dollars. Copies of those checks are not in the file. The 3 copies of checks in my file are for different amounts and are not in the transaction statement. I see credits to the balance but then 10 dats later those credits were reversed. with no justification. copies of the checks also have XXXX XXXX  checks but on the back the account says XXXX XXXX XXXX. NSF should be stamped on the checks but not. Im a victim of Identity Theft. The funny thing is AAFES and XXXX ar nowhere to be found on my credit report. Im being robbed.
Consumer complaint received 2023-04-02
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. (DC)

The consumer reporting agencies has fail to fulfill their vital role to ensure that my consumer report. is fair and accurate to me as the consumer. I have not given none of these furnishers or consumer reporting agencies MY WRITTEN CONSENT to furnish this information on my consumer report. I have a right to privacy in which are being deprived of at the moment.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: FinCo Services Inc DBA Current (MD)

I have my XXXX pay that was sent to card on or around XXXX XXXX and locked myself out app due to me having a new number and curries making it difficult to reach or reach out to me about this matter I cant call or talk to anyone
Consumer complaint received 2019-07-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

The total balance of {$4900.00} of the remaining loan on the vehicle was paid off on XX/XX/XXXX to Kia Finance. I was told that I would receive the title to the vehicle within 2-3 weeks, and I have yet to  receive the title. I have called about three to four times between XX/XX/XXXX and the first week of XX/XX/XXXX. 
The first time I called in XX/XX/XXXX, I was told by a customer service representative that Kia Finance had sent the DMV notice that the loan had been paid off and that the title should be  transferred to my name. The second time I called, I was told the same thing and told to contact the DMV. In early XX/XX/XXXX, I contacted the DMV and was told that Kia Finance never sent notice that the loan had been paid off. I then called Kia Finance again and was told that the DMV was refusing to release the titles because Kia Finance owes the DMV fees or taxes. Kia Finance lied on multiple occasions by telling me that I would get the title to my vehicle within a few weeks and is refusing to do what needs to be done on their end so I can obtain the title to my vehicle which is completely paid off.
Consumer complaint received 2023-04-02
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. (MI)

These are the companies that have inquiries on my credit report in which I did not authorize : XXXX XXXX XXXX XX/XX/XXXX, Resident Verify- XX/XX/XXXX, Resident Verify- XX/XX/XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, US Department of Education-08/16/2022, US Department of EducationXXXX XXXX XXXX
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MD)

Good morning! 

I missed three payments ( XXXX, XXXX, XXXX ) in the year of XXXX due to COVID-19. 

I reported this to Wells Fargo during the early stage of COVID-19 when I was seeking assistance ( i.e. forbearance, loan modification, refinance ). 

On XX/XX/XXXX, I paid my mortgage off in full. Yet, Wells Fargo has placed serious delinquency on my XXXX credit report ( along with the other credit bureaus ). 

I do not understand why these over two-year-old payments ( due to COVID-19 ) are still being reflected on my credit report. 

Why didn't Wells Fargo report to all three credit bureaus that these payments were missed due to the national pandemic? 

Furthermore, why didn't Wells Fargo update this information when my mortgage was paid in full over two months ago? 

Like others, I have suffered emotionally, physically, and financially from COVID-19. I'm still suffering from this pandemic. 

Additionally, I'm suffering emotionally, physically, and financially from the information that Wells Fargo reported to all three credit bureaus. 

I humbly ask for immediate assistance.
Consumer complaint received 2019-09-17
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc. (TX)

I started disputing my credit because I found out i had identity theft/fraud. Muktiple companies have harassed me, impersonated them self as a lawyer, tried bribery, and also has given my information to a friend.
Consumer complaint received 2019-01-24
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. (MA)

I made a payment over my phone in XX/XX/2018. The payment did not process correctly. XXXX Credit had an incorrect address ( since been corrected ) and their notifications of the failure to process did not get mailed to me. As a result, I continued to make payments as agreed and registered three ( 3 ) 30 -day lates. I would not have any late payment if XXXX 's phone ap had worked correctly. I would not have had lates in XXXX and XXXX if XXXX had had my correct address. 

XXXX XXXX XXXX
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

I have been trying to log into my account since XX/XX/XXXX and have not been able to. I keep receiving an error message that my account is closed. My account was closed XXXX XXXX, however, I was still able to log in and make payments, see statements, etc. 

I am now no longer able to log into my user portal and make payments and see statements because I am haulted at the " account closed '' screen. If my account is closed, and I am unable to make a payment, I would like Comenity to erase my account balance before it reports as delinquent to my credit reports. Every time I call customer service to inquire about my account, I either get disconnected or the representative can not locate my account. I am also unable to make a payment via phone because it can not locate my account. This is a nightmare! 

I have made good faith efforts to log in. I have attached a screenshot of the error page that I land on after entering in my username/password.
Consumer complaint received 2021-08-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This Debt is 10 Years old. And was purchased by this company and redated. I have tried to reach them and was unable to. I reached out to TransUnion.. Neither could give me any proof that this was a new debt and not an old one rebought. This dept was from XXXX. This is VERY old. and Unfair practice. 
Name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$1000.00} Original Amount {$1000.00} Original Creditor XXXX XXXX XXXX ( Financial ) Past Due {$1000.00}
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened an account with Bank of America. I was in Pennsylvania with my card when it was declined. I called the bank and they told me someone was trying to add checks into my bank account and the appeared to be fraudulent. she then proceeded to tell me that Bank of America is deciding to close my account permanently and I will not be able to bank with them again. When I came back home from college ( XXXX where I live ) I took a trip to Bank of America in hopes of opening up another account and was denied even though I was not responsible for putting fraudulent checks in my account. This person got access to my account as well as signed my name which isnt my signature.