davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

In XXXX 2017 I increased my direct draft amount from the min monthly pmt to the next whole {$100.00} 's to add a little bit on the principle payment each month. On XXXX first the larger payment was drafted from my checking account and has successfully drafted on the XXXX and XXXX each month since ( XXXX, XXXX, XXXX, and XXXX ). On XX/XX/XXXX an employee miss applied one of those drafts as a payment all on principle. Since that time the company has called me several times at the beginning of the month and around the XXXX of the month to notify me that my mortgage payment is late. The phone calls began onXX/XX/XXXX. I worked with the caller on the XXXX to identify what the problem was and was told that the error was on their part and that they would fix the application of that payment on XX/XX/XXXX and there would be no further action needed by me. Then XX/XX/XXXXcame and so did more late payment collection calls. Again I went round and round with the customer service department and called back several times the first week in XXXX to get this resolved. I thought it was done until the calls started again on XX/XX/XXXX. Again I explained the problem, the rep looked at the acct history and again I was assured that the problem would be fixed. The XXXX calls actually started on XX/XX/XXXX this time and I was assured by several customer service reps and supervisors that the issue would be resolved, they had expedited the problem up the chain of command and the rep would call me back on Monday to update me on the progress of the resolution. It is now Thursday,XX/XX/XXXX and the rep will not take my calls and when another rep asked her for an update she told them that she did n't have anything to tell me yet so she did n't need to actually speak to me. I have a letter datedXX/XX/XXXX, the day after I was assured the problem would be resolved, stating that my payment is late and " As required by law, we may report .... to the credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. '' This problem and " late payment '' is not my fault and it is just shy of 2 months since the company miss applied my payment causing me to be late. I need help to get this resolved please.
Consumer complaint received 2021-04-22
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: Harvard Collections, LLC (IL)

Viewed my credit report and notice that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and these accounts are fraudulent and does not belong to me. This process of trying to get my life back on track is becoming overwhelming due to these negative remarks thats on my credit report. These discrepencies that are on my credit report are holding me back from moving forward so I am asking that this problem be resolved as soon as possible.
Consumer complaint received 2023-01-27
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. (MI)

This is my Sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$6900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$370.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$16000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ; XXXX FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX XXXX Balance XXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXXXXXX Balance : {$7200.00} ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2022-03-03
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)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed 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 accounts completely from my Credit Reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$570.00} XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$360.00} XXXX XXXX XXXX XXXX  Balance Owed : {$720.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$44.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Original Creditor XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX  Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported XX/XX/XXXX Reference # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2018-03-22
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. (CA)

I have disputed with all three credit bearues multiple times and some of the disputed come out verified and not removed I sent them mail of a identiy theft report via fax and mail also. They state they never receive it but I have proof of sending them it and they even keep adding collection but times care of some. On Equifax I haven't even received a response and they hang up on me on the phone. I just want my credit I never even had a credit card and I don't have an opportunity to build it. They are not helping me at all
Consumer complaint received 2024-01-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc. (FL)

XXXX XXXX sold my loan to SST, effective XX/XX/XXXX. I was communicated to not process a payment as of XX/XX/XXXX while they migrate our data from XXXX to sst. 

I made roughly half my XXXX payment, totalling {$220.00} to XXXX on XX/XX/XXXX. I paid the remaining XXXX payment ( {$210.00} ) directly to sst XX/XX/XXXX. That full amount of {$430.00} was due XX/XX/XXXX, therefore it was all paid early. 

Starting XXXX I noticed it showing the {$220.00} ( paid to XXXX ) as late/unpaid. I spoke to a rep, XXXX on XX/XX/XXXX & XX/XX/XXXX, both times being told everything was fixed, she could see the XX/XX/XXXX payment pending. 

I called again XX/XX/XXXX after continuing to get calls, texts, and emails about my erroneously-labeled " late payment '', told that it was being worked on, but they needed proof of the payment ( even though I was told previously they could see it ). I emailed the proof while still on that call. I was told late communications would be on hold for 5 days. 

Today I am continuing to get emails, texts, and calls about this error on their part, as if I am owing funds to them ... now their communications are mo longer even documenting the {$210.00} that i paid DIRECTLY TO THEM. I called again and was refused the ability to escalate. I was told this wouldn't hurt my credit ( which how can i believe that? ), and that i should not make any payments until this is fixed. 

This is unacceptable processing protocols, is a misuse of power by these servicers, and causing extreme undue stress on me and my family. I've reported to XXXX, no help yet. I need help fixing this and holding this organization accountable. I didnt chose this servicer, I never had a single issue while with XXXX XXXX XXXX
Consumer complaint received 2022-08-04
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: WSFS FINANCIAL CORPORATION (DE)

WSFS Bank is harassing me in collection of mortgage debt. They are calling two phones number resulting in multiple calls per day in many cases. The dates they have called are : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-22
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. (CA)

I have disputed with all three credit bearues multiple times and some of the disputed come out verified and not removed I sent them mail of a identiy theft report via fax and mail also. They state they never receive it but I have proof of sending them it and they even keep adding collection but times care of some. On XXXX  I haven't even received a response and they hang up on me on the phone. I just want my credit I never even had a credit card and I don't have an opportunity to build it. They are not helping me at all
Consumer complaint received 2016-01-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are quite a few collections on my account that should have been removed by now but the initial date reported seems to change. I do n't believe that ; s legal and some of the accts have been charged off years ago and are now back on my credit report. These credit bureau 's are impossible to fight and seem to be able to get away with this type of stuff all the time. Please help if you can.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have disputed this with XXXX, XXXX and Trans Union several times and they will not remove it. I have given them proof from the bankruptcy court that the bankruptcy was filed on accident by my attorney and they still will not remove it. I filed a chapter XXXX bankruptcy in XX/XX/2010 and it was discharged ( that XXXX is accurate ). I did not file XXXX Chapter XXXX bankruptcies in XX/XX/2010 ( the attorney did by accident and the court documents that I provided to the credit reporting agencies proved this was the attorney 's negligence ). The Chapter XXXX BK filed in XX/XX/2010 reporting as dismissed should not be on my credit report with all XXXX bureaus at all. I can supply documents upon request, however ; the credit bureaus have all of this already and have ignored it several times.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

I want to place a credit freeze with equifax for my son who is a minor ( born XX/XX/XXXX ). In XX/XX/XXXX I sent in the required documentation to equifax, who only allowed me to do this by mail. I didn't receive confirmation of the freeze. Of note, at the same time I did the same process with XXXX and XXXX and received confirmation of freeze via mail from those two other credit agencies. 
On XX/XX/XXXX I went on the Equifax website to follow up and see why I had not received confirmation of the credit freeze. There was no way to get help with this online, so I called. I spent 15 minutes on the phone going through prompts, then got an automated message listing what documents needed to be mailed in, and was disconnected. I immediately called back, asked repeatedly to speak to an agent, spent another 15 minutes on the phone going through security confirmation prompts, and then was finally connected to an agent. I told him what the problem was and he asked for my son 's social security number for verification. I gave it to him and he said he would put me on hold and check, but instead hung up. On XX/XX/I again called, 20 minutes on the phone. The agent and supervisor I spoke to said they had no way of helping me or checking on the status of my request via phone ( this time did not even ask for social security number ) and all I could do was mail in the documentation again. I find this unacceptable as I already submitted this documentation by mail exactly as instructed, and do not want to go through the process of doing all of this again without knowing why my original request was not processed. If my mail did not reach their office, then someone potentially stole an envelope including sensitive information like my son 's social security number and birth certificate. They were completely unwilling to look into this or discuss this. The supervisor said that he was not in the department that handled this, and that the department that handles credit freezes for minors does not talk to anyone over the phone. 
I told the supervisor I would file a formal complaint due to their refusal to help me over the phone and excessive amount of time I had to spend on this. They are legally required to allow me to place a credit freeze and are making this unreasonably difficult. I have spent approximately 2 hours at this point trying to place the freeze. If they would allow online submission of the documentation I would have been able to do all of this.
Consumer complaint received 2017-06-08
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. (IN)

I have sent letters to  Trans Union,  XXXX  and  XXXX  requesting that inquires made to my credit be removed.  XXXX  and  XXXX  has removed the fradrulant inquires however Trans Union has failed to  do so. I have  XXXX  inquiries that I have asked to be removed starting  XXXX    XXXX   until now  XXXX   XXXX    XXXX   when I realized they were there. The inquires still remain and is ruining m y credit score.  The following inquires should be immediately removed :  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 2022-03-01
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. (NY)

I am taken aback of the situation. I've submitted this complaint 4 times & CFPB & EQUIFAX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm fed up with it. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EQUIFAX with an affidavit & FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Harris & Harris, Ltd. (CA)

the issue is this, the reporting agency has put tickets on my credit report base on what Ihave found out. they pass a law that can not put tickets on your credit report. I would like them remove. if they are not suppose to be on there and they are breaking the law.
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (VA)

Reporting unfair business practices and policies by  Midland  Mortgage  /  Midfirst Bank.   I was behind on my Mortgage by 6 months working on mortgage modifications.   On  XXXX   XXXX ,   XXXX   my house was scheduled for auction at the court house without any communications whatsoever from the bank / bank lawyers. I learnt of the sale through online solicitation of lawyers asking me to file bankruptcy to stop my foreclosure.     When I called the bank five days from sale, the foreclosure sale was cancelled. It was later rescheduled for  XXXX   XXXX ,   XXXX  . I never got the official denial of the modification. I was forced to file bankruptcy to stop the sale of my home.   They have continued with their harassing phone calls despite notice by attorney  XXXX  of the foreclosure on  XXXX   XXXX ,   XXXX  .   The bank sends their personnel to my house on weekly basis peering and knocking on doors to leave a flyer to call them freighting my children and billing me for the unappreciated visits.
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

OnXX/XX/XXXX I decided to pull my credit report from XXXX XXXX because I was building my new credit which I just establish with my recent assigned social security. But it was a surprise that I found a company called Fair collection and a debt for {$7000.00} which I did not have any idea that I had. I was unaware about this, I had lived since XX/XX/XXXX to the same address. I contacted this company and they said I owed this amount and needed to be paid in full. So, I request debt validation and I haven't received any information, also I went to filed a formal complaint to the police station closed to me. I sent out to them a complete report about this. They still saying that I OWE something that I was never be notified as mine, also I did not have any calls or previus information, they never informed me about put this on my account, if they had my information why they didnt send me a bill or statement to my address. So, I had less than a year with my credit and this people is making my life miserable because of it. I'm so disapointed about things works here. This people have very bad reviews and complaints everywhere, its something it needs to be investigated.
Consumer complaint received 2017-02-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank debited my account {$50.00} for check # XXXX that was written for {$20.00} I have contacted customer service three times since XX/XX/XXXX and was advised it was going to be taken care of and to date it still has not been taken care of
Consumer complaint received 2023-01-27
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.