davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

Our home loan was transferred last XXXX from another servicer to Mr Cooper. This spring XXXX effective XX/XX/2021 XXXX our loan was transferred to another servicer, but we have not received any information concerning the new servicer or how to pay our mortgage. When I couldnt pay my mortgage on XX/XX/XXXX, I started by checking the web site ( using my log in account ) and app for Mr Cooper, but I could not find any information about the transfer ( other than that is was transferred ). I have called Mr Cooper to get the necessary documents ( around XX/XX/XXXX ), I spoke with a customer representative and was told I would be sent the files. I found a compressed document was made available online and from the online portal I emailed it to myself. Upon trying to open the mortgage transferred informational document, I found that it was corrupted and could not be read. The automated phone service is useless and getting ahold of a representative has been painstaking, time-consuming, and ( as seen from the previous attempt above ) completely useless. I have no idea if the new servicer plans to fine me for late payments or attempt to apply some other unsavory consequences as a result of my lack of information, but I found the result, even as it stands at the moment to be completely unacceptable.
Consumer complaint received 2023-11-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (TN)

Lakeview LoanCare servicing had a system outage for over a week. Called XX/XX/XXXX to change date of loan payment, customer service line down as well as online system. Daily calls and attempts to login online were made for 10 days. Systems continued to be down with no formal letter or email regarding the outage to all loan holders. Now that the system is up I am still having complications logging into my account, have called Custer service today XX/XX/XXXX during business hours twice and have gotten nothing. Message states if you have called during normal business hours we apologize for the inconvenience. This is unprofessional and unacceptable given the nature of paying your mortgage or needing to address technical issues with their service.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I ordered this phone in XX/XX/2023. It was marked delivered several days after and I immediately opened a claim with XXXX and XXXX as the phone was not on my porch. Weeks went by and while I was refunded, I was subsequently rebilled by Capital One as the tracking number showed the parcel had been scanned to my regional facility. After a few months -- on XX/XX/2023, XXXX responded to my claim and I was able to pick up the device I ordered in XXXX. The issue is however, is that XXXX has locked the phone since I opened a claim and despite opening a dispute with Capital One I am still on the hook for the charges with a device that is unusable. This is my first ever chargeback and was sure that Capital One would have supported me however I must file this complaint due to my thorough dispute claims being ignored.
Consumer complaint received 2022-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

I filed with this site late last year. The company came back with a response stating that an itemized statement was attached. It was a blank piece of paper was given with a date of service being XX/XX/16. This blank piece of paper included my current Ohio address and just my date of birth. It has no other information. How is that itemized? How is that verified? The state of South Carolina has a statue of limitations of 3 years to collect on a medical debt. We are now on year XXXX. I do not know XXXX XXXX. I have never heard of XXXX XXXX. XXXX XXXX XXXX no longer exists. It is XXXX XXXX XXXX. I have called them to ask about this date in question. They know nothing of it. I called the billing department, they could not find anything, and nothing that had even been sent to collections, as I said everything after 3 years is discarded. I even went as far as to contact XXXX XXXX XXXX and ask for their billing department and collections department and got the same response. There was nothing. The statute of limitations on debt in South Carolina is three years. Under the South Carolina Tort Claims Act, the state may be held liable for torts, but limitations and exceptions apply. If a notice of claim is filed, the statute of limitations is three years ; if no notice of claim is filed, the statute of limitations is two years. I want this removed from my credit report immediately. I want an itemized list of everything that was done and services rendered sent to me at once, with my proper South Carolina address included on the statement. I also want results of any tests and labs that were done or taken at this visit, along with all vitals and procedures during triage. I look forward to hearing from you.
Consumer complaint received 2022-09-28
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. (MS)

Regardless of the multiple written requests, the public records, inquiries and inaccurate personal information listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, XXXX, TRANSUNION ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX MORTGAGE XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-12
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. (GA)

I received my credit report on XX/XX/2023, and noticed there were hard inquiries that didnt have a permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureau about this multiple times they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that dont have any purpose to be on my credit report. 

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
Consumer complaint received 2024-03-09
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)

XXXX XXXX BANK FRAUDULENTLY ACCOUNT THAT WAS OPEN IN MY NAME, I HAVE BEEN SPEAKING WITH XXXX XXXX  FOR THE PAST YEAR NOW ABOUT XXXX FRAUD ACCOUNT THAT WAS OPEN IN MY NAME, XXXX XXXX  HAS IDENTIFY THAT THE ACCOUNT WERE OPEN FRAUDULENTLY THEY HAVE TOLD ME SEVERAL TIME THAT THEY WILL BE REMOVING THE ACCOUNT FROM MY CREDIT REPORT AND THIS HAS NEVER HAPPEN, THIS IS EALLY IMPACTED MY CREDIT IN SOME MANY NEGATIVE WAYS, I HAVE REQUESTED DOCUMENTATION FROM XXXX XXXX  REGARDING THE FRAUD ACCOUNTS AND THEY NEVER RESPONDED. THESE ACCOUNT ARE FRAUD AND SHOULD BE REMOVE FROM MY CREDIT PROFILE IMMEDIATELY. I HAVE DONE MY PART BY REACHING OUT TO THEM TO FIX THIS PROBLEM MANY TIME AND NOTHING HAS BEEN DONE. THE ACCOUNT INFORMATION IS LISTED BELOW. I HAVE ALSO FILE A POLICE REPORT AND SEND TO THE FRAUD TEAM AND STILL NO RESPONDED. 


XXXX Also requested me to send in information of my identity to XXXX every time I tried to send in this information the website give me error messages I used chrome and XXXX and neither work, I have called several times and can never get any help on were to send the document they will not help me with anything. 

I was Ask to send in these document - bank statement for proof of address - State ID Driver XXXX XXXXWritten Statement I have attach all document request.
Consumer complaint received 2022-01-27
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. (MN)

I have attempted to resolve this issue with TRANSUNION multiple times. Do to a language barrier with all TRANSUNION representatives this is nearly impossible. 
I am requesting the following inquiries be removed. These are not mine. 

( XXXX XX/XX/2021 ) ( XX/XX/XXXX XX/XX/2021 ) ( XXXX XXXX XXXX XX/XX/2021 )
Consumer complaint received 2015-12-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: American Financial Resources, Inc. (KY)

In XXXX I had trouble using the automated system, which resulted in me having to pay a fee by the time I got it to work. I assumed this was my fault. In XXXX, I attempted to pay by phone sometime between XXXX XXXX. I was then contacted by letter, saying that there were non sufficient funds for the payment. I checked my account to make sure there was n't a math error and to confirm that there were funds available. Once I confirmed this, I attempted to pay my payment again on XXXX/XXXX/15. I was contacted around the XX/XX/XXXX by phone, by the company and they stated that they had not received payment. I explained to them that I had tried to pay twice and that the funds are in my account. At that time, the representative told me that I entered my checking account number wrong ( both times, the exact same way ). I told him this was impossible, because I do not even key my checking account info in, and that I always just use what is on file. He refused to admit that there was any kind of glitch with their automated system. When I called to pay my payment in XXXX, I made sure to listen to the automated system when it asked me how I wanted to pay. It does not read me the entire account number, it only asks if I want to use the account ending in XXXX. There is no way I could have entered the information wrong, all I did was say yes that I wanted to use the account that is on file. Now they are trying to charge me {$15.00} for each time that the payment did n't go through ( even though it never even touched my bank account ), plus a late fee, plus they charged me extra to pay by phone because the payment was late. In all the total fees are nearly {$60.00}, even though I tried to make my payment twice before XXXX XXXX.
Consumer complaint received 2019-01-16
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. (NJ)

While checking my small business credit score I noticed that there are two accounts on the report apparently grading my business credit score an F. They also have a business credit score of XXXX as a high risk account. I have no knowledge of these accounts nor is the address of my business correct. The credit bureaus are using my home address but the account is still fraudulent and I would like this information removed. I have not had any business credit until XX/XX/2019 from XXXX in which I could provide proof. The account is a Printing and Publishing account that is over 6 months old and has nothing to do with my business. I would like the credit bureau to provide me with a contract or written proof of some sort that this is my account. Otherwise under the Fair Credit Reporting Act I would like this account removed immediately. I am also sending this complaint to the credit bureau as well. This information is affecting how fast I build my business credit which is now a major focus of my company.
Consumer complaint received 2018-07-12
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. (CA)

I have previously submitted a complaint regarding this matter unfortunately I wasn't able to follow up on it on time. 

Both XXXX and Experian have been reporting inaccurate information on my report.. 
The are listing an Account with XXXX XXXX and a second one with XXXX as being good standing and pay as agreed when it's not the case. 
The account with XXXX is not mine and was fraudulently opened. I have contacted XXXX probably 10-15 both personally and via regulating agency without any success. 
The Account with XXXX XXXX is legitimately mine ; however they never reply or acknowledge any request to help assist how the fraudulent charges were committed in order to assist me with filing a police report. 
I have contacted both reporting agency multiple without any success, Both agency are claiming that I am paying on those account which is also false. The last time I make any charges on payment on the XXXX XXXX Account was probably in XXXX or XXXX. and the Account with XXXX is not mine. 

I spent hours initiating dispute with XXXX online only to find out at the end that this service is currently unavailable and I always end up sending everything by certified mail. I am requesting that both agency investigate this matter seriously and remove the incorrect info from my record. 

Also there are numerous discrepancy with my Mortgage payment history since XX/XX/XXXX, always payed my Mortgage ahead of schedule I have also provided both agency with a payment history regarding this matter.
Consumer complaint received 2024-03-09
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. (NC)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2021-05-17
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. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX # XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2018-05-22
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. (FL)

My name is XXXX XXXX, I am contacting you regarding accounts on my EXPERIAN, XXXX and XXXX credit report. 

I have already contacted THEM but they have done nothing to resolve the issue. There are 6 student loans accounts that not belong to me.

I would like them removed because they are fraud and do not belong to me.

Please make THEM delete these fraudulent accounts ; this inaccurate information has directly affected my chances of getting approved for any type of loan or job or ability to get a license which requires a good credit rating.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

I demand the items below all be updated to paid as agreed on my consumer report. 
Account : XXXX Date open says open XXXX and XXXX XX/XX/XXXX XX/XX/XXXX High Credit : The date open is reporting 3 different dates {$410.00} {$410.00} {$0.00} The credit limited is reporting {$410.00} but reporting {$0.00} on another one so that is not accurate in a credit report suppose to be 100 % accurate Past Due : {$0.00} {$43.00} {$43.00} Past due is reporting {$0.00} on one and reporting {$43.00} Payment Status : Current Current Late 60 Days Payment says current but then is reporting 60 days late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reporting XXXX and XXXX that is inaccurate information Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting to many different dates as late payment one says XXXX and other one says XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates on last active XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong information on late payment Payment Status : Late 30 Days Late 60 Days Late 60 Days Payment status say 30 late days and one say 60 late days so can you take the late payment off because I was never late Account # : XXXX XXXX XXXX Is reporting wrong late payments I was never late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reported XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of late payment say XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong I was never late Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active says XXXX different dates XXXX and XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last payment is reporting XXXX different dates XXXX and XXXX Account # : XXXX XXXX XXXX I was never late on this account Account # : XXXX XXXX XXXX Reporting different dates Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date open reporting 2 different dates XXXX and Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting 2 different dates XXXX and XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates XXXX and XXXX Account XXXX Account is not accurate Account # : XXXX XXXX Account is not accurate
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 
Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Consumer complaint received 2022-01-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX, I sent a letter to Capital One requesting information to validate a debt that the company is falsely reporting on my consumer report. As the consumer I am aware that I am a natural person and the one able to validate any alleged debt. My request was for documentation that funds are owed and that I have entered a contract with Capital One. The company responded on XX/XX/XXXX stating that its reporting is correct and refused to provide me any documentation of the alleged amount owed. In fact Capital One 's response reflects an account number that is significantly different from what is reported on my consumer reports. I am confused how the company claims that its reporting is correct. I feel as though I am being taken advantage of and my concerns are being disregarded.
Consumer complaint received 2021-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

We recently were trying to refinance our mortgage and they ran a credit report and was told this came up. We called the debt collector on the report and they told us it was a XXXX XXXX credit card from XXXX which we never had and gave us an address in XXXX where they sent bills and we have never lived in XXXX. We called Midland credit management on XX/XX/XXXX talked to a collector and he told us to file this report. He said the amount is {$5400.00}. He also said to contact the local police and file a report which we are in the process filing the report. Midland said they would be in touch via mail.