davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: American Financial Resources, Inc. (AZ)

My wife and I are in the process of building a new home on our property in XXXX ( county if that matters for some reason ). We have contracted with a local company called XXXX XXXX XXXX to build the home. XXXX does not offer a turn-key home, so we were looking for a bank that would allow us to act as our own GC. A friend got involved and referred us to a Loan Officer at XXXX XXXX named XXXX XXXX. We gave him all the information including that XXXX has a draw schedule that is different and that they don't deliver a turn key house. The friend that referred us ( XXXX XXXX ) and the Loan Officer figured that XXXX was a contractor and that we would step in as the GC. We had many issues with the Loan Officer but eventually we closed out our one-time close conventional loan in XX/XX/XXXX with the financial institute AFR. When we tried to get our first draw from AFR we ran into problems, which started in XX/XX/XXXX. AFR determined that XXXX XXXX was not actually a licensed or insured GC like he told us, but was using information from a company he was affiliated with ( he told us it was his company ), XXXX XXXX XXXX XXXX AFR admitted they did not vet XXXX at all, even the Contractor License he supplied them with was expired prior to closing. In XX/XX/XXXX when this came to light AFR said we were still responsible for the loan and we had to find a new GC and pay out of pocket for them. We were able to find another GC to work within our budget. Last week we spoke to yet another person at AFR who was very supportive and talked about how it seems that XXXX XXXX and XXXX XXXX committed fraud and said they were going to review our contract to get us more time to finish the build instead of the XX/XX/XXXX date ( 1 year from closing ). Earlier this week they called to say the only options to us are to pay off the {$10000.00} outstanding on our mortgage with them ( which only includs closing costs from our closing with them, we have been paying the amount due of {$50.00} every month since XX/XX/XXXX ) and start again with a new bank. Or we can refinance with them and pay new closing costs on the refinance. 

We have paid out of pocket up to this point. We have permits for the septic and building permits that were required that we get before they would close, and we paid out of pocket for the excavation and building of the pad because they said they were working on getting the draw situation organized. When I told them those options weren't acceptable they said they have zero responsibility to vet a builder and it's our fault for hiring the loan officer and they will have their lawyers contact us and hung up. We are now in a position where our permits will eventually expire, we will be out of contract with our builder and just have additional debt for construction and building permits for a home that does not exist. I have no clue where to even start with finding a lawyer.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The date of last activity reporting on this account is inaccurate. It's reporting that the date of last activity os XX/XX/XXXX ( Experian ) and XX/XX/XXXX ( XXXX ). From my understanding the date of last activity is a date which the account last updated. Why is there a gap of 5 years between XXXX and Experian. From my understanding I have a right to fair, complete, and 100 % accurate reporting which can not be the case if one account has been updated as of recent and the other account has not. I also made the credit bureau 's aware of this previous to this new update and nothing happened. The account information remained verified despite the fact that I used information that came directly from my credit report.
Consumer complaint received 2019-06-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (WI)

I am a co-signer on a student loan for my ex-wife. Navient is the student loan processing company. When my ex-wife exceeds the payment due date ( always paid within the same month as required submittal ),  Navient starts robocalling my home phone. I can get up to 5 or 6 calls a day on my home phone until payment has been processed. I've heard horror stories about Navient. Not only do they harass the XXXX out of account holders ; when payment is received, it can take up to 10 days for them to process and post. During this time, they will continue to robocall. I've requested in the past to deal with me via USPS and quit calling. My next step is to pursue this matter legally.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MA)

My account at Experian was hacked. The person altered at least my phone number, security questions, and either my user name or password. I received an email alert about the problem and have called Experian every day for several days. They keep telling me that my account has not been refreshed so they can't offer me another means of accessing and correcting my account. In the meantime, someone has access to all of my credit information ( which is already on an extended fraud alert ) which would be invaluable in perpetrating future fraud. Experian is offering me no access to my own information and no recourse to correct the situation.
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CT)

On XX/XX/XXXX I have called the Comenity Bank in response to their letter to confirm charges on my account. Once the agent Ms. XXXX successfully verified my identity, I confirmed all transactions to be accurate. I even gave additional information about the payment, that I made to this account on the pior day. After a brief hold the agent decided to ask me some additional questions, such as : my zodiac sign, whether I purchased my XXXX prior to XXXX of XXXX. Another brief hold followed and she came back on line with a statement that now my account is closed. Upon my strenuous objection, she invited me to apply for another card in a month. I requested to speak with her supervisor and attempted to explain to Mr. XXXX ( supposedly the supervisor ) that there must be a mistake in their source of information. He was very arrogant, kept interrupting me and taking at the same time that I was speaking. I requested to speak to his superior, at which time he advised me that he is the ultimate authority. I requested telephone number to the corporate headquarters. He gave me telephone number to XXXX 's! Since then I contacted the bank multiple times demanding to either reopen my account or to provide me with the source and the nature of the information that led to the adverse action by the bank. I pointed out several times that under the FCRA, I am in title to this information, if only to correct it for future. All my requests are met with either dismissive or evasive replies. The bank refuses to connect me with any one person of authority to resolve this issue. I strongly believe that this is deliberate and consistent campaign of discrimination against me due to my national origins. My FICO score as reported on XX/XX/XXXX is over 800, I have no history of late payments on any accounts including the account with Comenity bank. Other than prejudice of their agents there is no reason to close my account.
Consumer complaint received 2021-06-11
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)

I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO REMOVE THE FOLLOWING NEGATIVE ITEMS WHICH HAVE BEEN DIMINISHING THE OVERALL HEALTH OF MY CREDIT. THERE HAS BEEN NO ACTION TAKEN IN RESPONSE TO ALL THE PREVIOUS DISPUTES I HAVE SUBMITTED, SINCE XX/XX/2020 .... IN ORDER TO REMOVE THE LATE PAYMENTS FROM XXXX XXXX. THERE'S AN ACCOUNT BEING REPORTED WITH XX/XX/XXXX, AND NOT XX/XX/XXXX NOR EXPERIAN. WHY IS THIS NOT BEING RESOLVED? TOO MANY ATTEMPTS WITH THE BUREAUS, AND ONCE AGAIN ... NOTHING HAS BEEN DONE AT ALL. FOR YEARS, I HAVE BEEN POINTING OUT THE INACCURACIES, THE INCONSISTENT, INCOMPLETE DATA REPORTED BY THE BUREAUS. PER THE FCRA, AS A CONSUMER I HAVE EVERY RIGHT TO CHALLENGE THE FALSE INFORMATION THAT IS REFLECTING. THERE IS NO DEBT, NO DELAY IN MY PAYMENTS, AND I HAVE BEEN VERY PERSISTENT IN GETTING THE NEGATIVE INFORMATION RULED OUT COMPLETELY. PLEASE DO NOT HESITATE TO ASSIST ME WITH THIS MATTER, I NEED TO RECTIFY THIS INFORMATION IMMEDIATELY AND BANISH THE NEGATIVE HISTORY ON THE ACCOUNT. I HAVE EXCEEDED THE VOLUME OF STRESS AND DISCOMFORT REGARDING THIS ISSUE. PLEASE REMOVE THE DEROGATORY INFORMATION AS SOON AS POSSIBLE. I GREATLY APPRECIATE IT.
Consumer complaint received 2019-06-23
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: EQUIFAX, INC. (OH)

THIS IS THE THIRD TIME I HAVE FILED A COMPLAINT OVER ACCOUNT THAT WERE OPENED IN MY NAME. SOMEONE HAS BEEN USING MY NAME AND ID SS CARD TO OPEN UP ACCOUNTS FOR CREDIT I HAVE NOT PHYSICALLY LIVED AT XXXX XXXX XXXX  XXXX OH XXXX FOR OVER 5 YEARS. I AM NOT SURE WHO WAS USING MY CREDENTIALS
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

Im writing this letter in hopes you can intervene to get US Bank to properly review our loan for assistance options, and keep a family in their home. The issues began when due to health reasons I lost my job of ten years, at XXXX. 

My health continues to deteriorate. If I am fortunate I am able to walk with the help of a cane, and on the worst days Im in a wheelchair or else cant leave the house. I applied for federal XXXX, but during this time I started to fall behind on my mortgage payments. 

I attempted to contact US Bank to work something out until I could get back on my feet. I would receive letters in the mail, but every single time I tried to reach someone on the phone, no one would speak to me. It was, and is still a nightmare. 

Then out of the blue, one Friday morning, I heard a knock on my door, and a stranger hands me a foreclosure notice! It was a shock. I knew I was behind, but I was finally starting to get back on track and had been trying my best to explain this to US Bank.
Consumer complaint received 2024-02-12
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. (IL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (CA)

yes i have disputed these accounts multiple times and every time they keep saying its accurate when its fraud i have never did business with any of these companies and im really getting fed up with this whole thing like how can i get this removed like i want to take legal action at this point they keep saying its accurate when it would be accurate if someone is using my information so it makes so sense they said they were going to send the letter in the mail never came and now i want to sue Company 's Response In response to the correspondence we received, a letter of explanation has been sent. Following is the body of the letter. " In response to correspondence previously received under case number XXXX, our letter dated XX/XX/2020 confirmed that we are no longer reporting the above-referenced account to the credit bureaus and that we had terminated collection efforts. If our trade line should continue to reflect on your credit bureau report, we suggest that you dispute the trade information with the credit bureaus. ''
Consumer complaint received 2019-06-23
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. (OH)

I am very upset that I have reached out to the credit reporting company I would say more than six times about this problem and they will say they updated report with validation. I am concerned of how this is validation and never proof of real validation and still seven times ago it is still reporting inaccurate information and lies on their report stating accurate information. I do know my rights and I do know that I have pointed out many times that you can not report inaccurate information and on top of it keep violating my rights and I am sick of it. You can not report a account is open but another one stating closed and state that you validated this and also report different dates and so many more inaccurate information that WASNT TRUE and was NEVER VAILDATED. So I am asking once again that this account to be REMOVED IMMEDIATELY AND STOP VIOLATION OF MY RIGHTS and delete this immediately.
Consumer complaint received 2018-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

EXPERIAN AND XXXX  ARE BIAS AND SHOWING FAVORITISM TO XXXX XXXX XXXX XXXX. I AM A SERVICE MEMEBER AND ARE DEMANDING THIS BE REMOVED AT ONCE OR BE SUED.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-06-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc. (CA)

I had a XXXX XXXX membership for a while and when I stopped going to the gym for three months, I received a notice of collections but did not receive any phone calls or letter that my account was past due, neither was the funds being taken out of my account. when I went to pay my new due. The gym representative said it was already in collections. I was in collections for XXXX . I called the company and was getting charged {$500.00} I do not want to pay more than what I owe.
Consumer complaint received 2018-06-18
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: EQUIFAX, INC. (NJ)

XXXXXXXX XXXX XXXX is reporting on all 3 of my credit reports for a balance of {$2500.00} I never opened this account and it must be removed from all credit reporting agencies
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2019-06-23
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. (FL)

I applied for a XXXXl XXXX secured card on XXXX XXXX And they did a hard credit check inquiry on me on XXXX XXXX XXXX and Experian which is find. But the part that is not cool is when I checked on my application on XXXX XXXX and they did another Hard credit check inquiry on me on XXXX XXXX XXXX XXXX Experian. That's 6 Hard inquiry 's all together for one application I put in. I need them to take off one hard inquiry on XXXX, XXXX, and Experian. One on each is justified, but two is not. I know they stay on your report for two years. But having two hard inquiry 's can drop your credit score even more. 
and its wrong when they add a extra hard inquiry on all three credit reporting agencies when I only applied once.
Consumer complaint received 2019-06-23
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. (FL)

I applied for a XXXX XXXX  secured card on XX/XX/2019 And they did a hard credit check inquiry on me on Transunion , XXXX  and XXXX which is find. But the part that is not cool is when I checked on my application on XX/XX/2019and they did another Hard credit check inquiry on me on Transunion , XXXX , XXXX. That's 6 Hard inquiry 's all together for one application I put in. I need them to take off one hard inquiry on Transunion, XXXX, and XXXX. One on each is justified, but two is not. I know they stay on your report for two years. But having two hard inquiry 's can drop your credit score even more. 
and its wrong when they add a extra hard inquiry on all three credit reporting agencies when I only applied once.
Consumer complaint received 2018-06-18
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: SYNCHRONY FINANCIAL (FL)

walmart decreased the limit without any waring then closed the account i reached out to walmart and stated that since you decreased my limit and closed my account without any warning my account is PAID in full please leave it close and remove it from all 3 major bureau i was told Yes then sent a letter stating that was incorrect information. I would like Walmart removed from my 3 major credit bureaus
Consumer complaint received 2024-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my TransUnion credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2021-06-11
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. (FL)

I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO REMOVE THE FOLLOWING NEGATIVE ITEMS WHICH HAVE BEEN DIMINISHING THE OVERALL HEALTH OF MY CREDIT. THERE HAS BEEN NO ACTION TAKEN IN RESPONSE TO ALL THE PREVIOUS DISPUTES I HAVE SUBMITTED, SINCE XX/XX/2020 .... IN ORDER TO REMOVE THE LATE PAYMENTS FROM XXXX XXXX. THERE'S AN ACCOUNT BEING REPORTED WITH TRANSUNION, AND NOT XXXX NOR XXXX. WHY IS THIS NOT BEING RESOLVED? TOO MANY ATTEMPTS WITH THE BUREAUS, AND ONCE AGAIN ... NOTHING HAS BEEN DONE AT ALL. FOR YEARS, I HAVE BEEN POINTING OUT THE INACCURACIES, THE INCONSISTENT, INCOMPLETE DATA REPORTED BY THE BUREAUS. PER THE FCRA, AS A CONSUMER I HAVE EVERY RIGHT TO CHALLENGE THE FALSE INFORMATION THAT IS REFLECTING. THERE IS NO DEBT, NO DELAY IN MY PAYMENTS, AND I HAVE BEEN VERY PERSISTENT IN GETTING THE NEGATIVE INFORMATION RULED OUT COMPLETELY. PLEASE DO NOT HESITATE TO ASSIST ME WITH THIS MATTER, I NEED TO RECTIFY THIS INFORMATION IMMEDIATELY AND BANISH THE NEGATIVE HISTORY ON THE ACCOUNT. I HAVE EXCEEDED THE VOLUME OF STRESS AND DISCOMFORT REGARDING THIS ISSUE. PLEASE REMOVE THE DEROGATORY INFORMATION AS SOON AS POSSIBLE. I GREATLY APPRECIATE IT.
Consumer complaint received 2021-04-13
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: EQUIFAX, INC. (MO)

The following accounts are not mines, these accounts started to appear after my identity has been compromised. I'm demanding that these accounts not only be removed but blocked as well. The following accounts shall be removed 1. XXXX  XXXX XXXX {$15000.00} 2. XXXX {$3700.00} 3. XXXX {$10000.00}