davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (WI)

We tried refinance our duplex - rental property. We were told 3.5 % with half an point verbally as I wrote down when I first call.. 
We started the loan process, it stared with2 %, then 2.75 %, 3 % ... 
The original estimate closing date was XX/XX/XXXX, then XX/XX/XXXX. then XX/XX/XXXX We start the loan process at end of XX/XX/XXXX, as of today we still have not yet close the refinance, and the discount points keep going up? and the closing cost keep going up. 
I tried to contact and email the loan officer, I basically got ignored and receive no response from ... 

So Here I am filing Mortgage consumer complaint..
Consumer complaint received 2022-11-20
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 company XXXX XXXX XXXX account XXXX gave false information on my credit report stating that I have multiple late payments. I personally email XXXX customer service to correct these false information.Also I stated to XXXX I made these payment I have screenshot proof and I personal feel that XXXX purposely delayed my payment process just because I previously contacted the CFPB about there false statement earlier.I feel like I am being targeted because I spoke my mind.I also have documents supporting my statement attached.
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF OMAHA (NE)

I was scammed by a company called XXXX XXXX. My bank held me responsible for paying for the gift cards that XXXX had me purchase with their money. I told the bank to deny the XXXX transaction as it was related to the fraud and XXXX XXXX  got their money back plus mine.
Consumer complaint received 2020-01-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (WI)

I have been working with PennyMac since XXXX of 2019 and have had nothing but issues. My bimonthly payments were not being accepted since " the company doesn't recognize partial payments. '' I had to call every month to have them moved. Starting XX/XX/2019, I went to making full payments hoping it would reduce frustration. However, it hast, just lead to more. They continue to lose payments and their statements/loan activity is so difficult to follow it hard to decipher what they are doing, where the payments are going to, and why a certain amount is put into " Suspense. '' I thought they had to apply an overpayment to the loan in one form or another. I also receive harassing phone calls weekly stating I need to make additional payments. I have filed 2 discrepancies against their payment activity. Their response was " it was an IT issue and it has been resolved. Your partial payment was reversed. '' I never saw this reversal. I also had my agent at XXXX reach out to the company on several occasions and have received vague answers. I don't know where this reversal went but it wasn't to my account. Please look into this. I am currently looking at refinancing and cutting ties with this company. My agent at XXXX XXXX contact information is below. 

XXXX XXXX Mortgage Banker NMLS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, WI XXXX
Consumer complaint received 2018-03-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Army and Air Force Exchange Service (TN)

On the XX/XX/XXXX I received a letter from the XXXX XXXX XXXX XXXX. The was to collect a debt for a credit card. The debt was turned over to a collection agency and they want the same amount as AAFES. I tried nu.erous times to work with AAFES to pay my debts. I called and emailed. No response. Was told I was only allowed to XXXX XXXX money after they signed me up for automatic deductions/withdrawals that I didn't sign up for. They charged me for late fees or NSF because of this. 

They have also told me I am not eligible for this card. It is required that you be in the military or a veteran. If I am no eligible for the card, how did I get the debt in my name?
Consumer complaint received 2021-10-29
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. (GA)

ATTN : EXPERIAN/XXXX XXXX XXXX XXXX XXXX & XXXX / XXXX XXXX XXXX Hello I am XXXX XXXX. A week ago I received a notice alert on my consumer reporting file. I mailed over certified documents on XX/XX/2021 to be exact I sent it with the USPS and it was signed and received by XXXX. The green certified number is XXXX. I've called in to get an update on the status of my disputes only to be told that there were no documents received. Here we are a month later with no response. I was lied to and was told that no documents have been received, in which I knew I clearly sent the documents and received receipt returns and a green card back. This is my proof to show that the consumer agencies are actually lying and ignoring me. I am distress and I have reach the capacity where I no longer have the patience to accept this as a consumer. There are inaccurate accounts that are reporting on my credit report that were removed an inserted back on my consumer report this was the first cause of action that I gave notice to the consumer reporting agency that they are refusing to correct information on my consumer report after providing proof that the inaccuracies are over to be removed. My reputation and character is being ruined due to inaccuracies of XXXX XXXX, XXXX XXXX, XXXX XXXX listed and re inserted on my consumer report in which I've given evidence to back my claim. I am sure you are aware that in fact I can sue you for defamation and willful injury Pursuant to FCRA section 623 Recovery extent of damages incurred by the wronged party, as deemed by the courts in federal court. Second cause of action, The consumer reporting agency in fact re inserted a removed item from my consumer report without notifying me in writing within 5 business days, in fact I will sue them for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$100000.00}. Third cause of action is where the consumer reporting agency fail to respond to my written disputes, and try to respond online which I asked for them not to do. Also they didn't respond within 30 days, I will be suing for violating FCRA section 611 part ( A ) ( 1 ) which carries a fine of {$1000.00} per violation. Must remove from reporting within 4 business days of receipt I am not allowing E OSCAR disputes only manual human being.
Consumer complaint received 2022-05-02
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)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance Owed : {$1.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2020-01-28
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: EQUIFAX, INC. (LA)

I am a victim of identity theft. I have filed a police report and filed a complaint through the ftc. In the year of XXXX I misplaced my purse at XXXX with my dl & social security cards, debit card for me and my children. The following items are appearing on my credit report as a result of me being victimized I am requesting that these be removed immediately as it is destroying my credit reputation. I had no knowledge of these accounts until a year ago ( XXXX ) and tried disputing directly with credit companies. Please help me with this matter.
Consumer complaint received 2022-11-19
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: Experian Information Solutions Inc. (MS)

XXXX XXXX XXXX  is reporting late payments to my credit. Ive tried having them remove the last payments they will not. I was not late on any payments.
Consumer complaint received 2022-12-26
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. (NV)

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) 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 2020-01-28
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. (LA)

I am a victim of identity theft. I have filed a police report and filed a complaint through the ftc. In the year of XXXX I misplaced my purse at XXXX with my dl & social security cards, debit card for me and my children. The following items are appearing on my credit report as a result of me being victimized I am requesting that these be removed immediately as it is destroying my credit reputation. I had no knowledge of these accounts until a year ago ( XXXX ) and tried disputing directly with credit companies. Please help me with this matter.
Consumer complaint received 2022-05-02
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. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX $ XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$270.00} XXXX : XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$270.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-05-02
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital OneXXXX credit card promo offer- XXXX  months XXXX % intro for balance transfers ; XXXX  % fee for balance transfers within the first XXXX  months. They are claiming that my " interpretation '' of the offer is incorrect, the balance transfer was only valid for the first day the card was open, however, it specifically said on the application that balance transfers could be made at a later date.
Consumer complaint received 2022-11-19
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. (NY)

I disputed a medical collection that my insurance stated was never submitted for a claim to be paid. XXXX kindly deleted. Equifax is playing games.
Consumer complaint received 2022-11-19
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. (PA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-02
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-06-04
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (GA)

in 2014 my student loan account came out of forbearance without my knowledge. After spoken to a Representative she pushed the payment day for me to reflect that my account was current on the payment. a few weeks later it shows that I was behind on my payment even tho the payment date was changed and the representative told me not to worry about it the issue should get fixed within a week. since then I been disputing the late payment with negative results.
Consumer complaint received 2020-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (AL)

I received a letter from Hunter Warfield XX/XX/XXXX claiming I owe XXXX   XXXX  XXXX. I requested debt validation and sent my documentation proving I did not owe the debt on XX/XX/XXXX and did not receive validation until XX/XX/XXXX after I filed a complaint with the XXXX   XXXX  XXXX  on XX/XX/XXXX. There is a buyout clause in the original contract that states 30 day notice and one months rent which I followed XX/XX/XXXX. Hunter Warfield stated they did not agree with the buyout clause even though I have documentation including contract, 30 day notice, and vacate letter along with certified mail confirmation. Hunter Warfield sent me a contract on XX/XX/XXXX that is a falsified document and my signatures have been forged. I have been in contact with the XXXX  XXXX  XXXX of West Florida since XX/XX/XXXX and have resent all documentation to Hunter Warfield on XX/XX/XXXX disputing the debt again. Today, XX/XX/XXXX they reported as collection account on my credit, bringing my excellent credit score down 85 points. I have all documentation to prove I do not owe this debt and that Hunter Warfield is using a falsified rental contract to report that I owe this debt.
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY ASSOCIATES LLC was required to notify me no later than 30 days after furnishing the negativebinformation to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY ASSOCIATES LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) PORTFOLIO RECOVERY ASSOCIATES LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. PORTFOLIO RECOVERY ASSOCIATES LLC is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOCIATES LLC is in compliance with OHIO LAW.  I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. PORTFOLIO RECOVERY ASSOCIATES LLC.  has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted XXXX XXXXXXXX XXXX  XXXX to remover this fraudulent account from my report. I am a victim of identity theft by data breach. I contacted XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX and asked to closed this account that I did not consent to account being opened. It was finally closed on XX/XX/XXXX with XXXX balance. XXXX XXXX XXXX  XXXX has refused to removed fraudulent report from my credit report. I have disputed this account on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. I HAVE SENT NUMEROUS DISPUTES, POLICE REPORTS, ETC. PLEASE REMOVE THIS ACCOUNT FROM MY REPORT IT IS FRAUDULENT AND I DID NOT CONSENT TO THE OPENING OF THIS ACCOUNT.
Consumer complaint received 2022-11-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX account # XXXX, Account # XXXX is still showing a late payment that is reporting on my credit profile. The late payment was reported in XX/XX/XXXX and the last update was XX/XX/XXXX I will like this late payment removed if it is passed the time allowed to still show a late payment on my credit profile. This is illegal and I want it corrected.
Consumer complaint received 2020-07-13
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. (OR)

I spoke with Dept of edu they advised the Administrative CARES forbearance was applied to my student loan. They advised they reported back to both credit unions in regards to this issue on XX/XX/XXXX it is now XX/XX/XXXX and the 80+ point drop in my credit score has not been corrected. It is hard enough as a women of XXXX to get ahead and an 80+ drop in my score impacts my life greatly. I have worked entirely too hard for a mistake I had nothing to do with having such a negative experience is extremely disheartening. I have since reached out to the credit bureaus but they dont care obviously Im just another number. Theres so much red tape and we dont get the immediate correction deserved. If there is a number I can call to get this worked out ASAP please let me know.
Consumer complaint received 2021-03-01
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. (KY)

Following unauthorized inquiries shows up on my credit report which I certainly did not made any applications for credit/mortgage.This had hurt my chances of obtaining new credit. I demand that you remove following inquiries immediately. 

XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX via XXXX XX/XX/XXXX I demand that you remove following inquiries immediately.
Consumer complaint received 2019-03-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

Experian removed a item from my credit report on XX/XX/XXXX2018 and reinserted that item without notifying me within 5 days in violation of 15 U.S. Code 1681i. Procedure in case of disputed accuracy U.S. Code