davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (VA)

XX/XX/XXXX, ESCROW ANALYSIS showed over {$600.00} shortage. This was right after mortgage was sent to different branch of Homepoint financial was closed due to illegal activities. Requested what happened to escrow? Received no reply. Property did NOT raise, nor insurance. County property taxes same as year prior, yet Escrow analysis in XX/XX/XXXX, shows another over {$600.00} deficit. All payments made before due date with additional principle.XXXX XXXX, sent money payemt with additional principle and escrow deficit. Homepoint applied payment & the rest to principle. Contacted Homepoint, informed of error, requested the escrow deficit be placed onto the escrow, the monthly payment should not change. XX/XX/XXXX, monthly payment went up. The additional principle & escrow deficit was put into unapplied funds. XX/XX/XXXX, the unapplied funds was dumped into the escrow, the monthly payment stayed at the increased rate applied in XX/XX/XXXX. XX/XX/XXXX, contacted Homepoint, identified the 3 errors in processing : 1. Escrow deficit not applied correctly, 2. 2nd time- additional principle & escrow deficit withdrawn from principle and placed into unapplied funds. 3. Unapplied funds dumped into escrow, but monthly payment remained raised. Homepoint stated they could not move from escrow to principle due to over 30 days. My solution was to return the money, my money, that was NOT processed correctly. The money was not part of any payment due, since Homepoint is more interested in siphoning property owners escrow accounts. There is a problem, since the escrow is NOT the mortgage company 's money, however, my escrow seems to lose over {$600.00} in a year. At this time, I an awaiting Homepoint to make a decision as to whether or not they are going to return my money. This takes 24 hours, starting at noon on XXXX XX/XX/XXXX.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

information need to be put back on b/c I found out its mine so please add it back : was giving false informations : XXXX, XXXX. 
Account XXXX This item was removed from your credit report. Please review your report for the details. 
Show Details | View your Report | View your credit score Deleted + 'icon ' Deleted
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

information need to be put back on b/c I found out its mine so please add it back : was giving false informations : XXXX, XXXX. 
Account XXXX This item was removed from your credit report. Please review your report for the details. 
Show Details | View your Report | View your credit score Deleted + 'icon ' Deleted
Consumer complaint received 2021-06-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

We bought our home back inXX/XX/XXXX and took us long fight and hard work to keep our home after we got XXXX XXXX XXXX to Modify our mortgage then they sold it to XXXX XXXX  company who is made a big mistake on the escrow account which made us short XXXX on the escrow account after long long long negotiation and fight they agreed to their mistake and agreed to fix the problem. But they turned around and sold my mortgage to Fay servicing company and Fay servicing refused to fix it or help or modify the loan and they keep telling us to give up our home because we cant offered the payment and we are going to almost two years and the only reason we still have our house because we pay {$1500.00} a month to attorney office to protect our home and Fay servicing breached the contract after we agreed on after we dropped the small claim lawsuit against them because they say they will help us if we drop the lawsuit. 
I did talk to Fay servicing today XXXXto check the status of modification paper work we send 30 days ago and the gentleman I spoke too he told me your are denied for modification but approved for a short sale because I cant afford the payment also he say I Should sell and put money in my pocket because my house worth XXXX right now, I told no and Im going to sue them for discrimination and he say think about it and let us know.
Consumer complaint received 2021-06-02
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. (IN)

I have reached out several times to TransUnion and the other credit agency 's regarding several inaccuracies on my credit reports. Multiple letters were sent with the inaccuracies and a copies of the credit the report. 
I called TransUnion and was told they didn't have access to my credit report from 3 months prior and my credit score is computer generated??? All of this is confusing as these companies dictate how and where we live, what kind of car we drive and everything else we need to continue through our lives. The people I spoke to that represent these companies were not able to explain to me in a clear and concise way what the problems were. 

I am far from perfect and have made a lot of mistakes in my life but we are allowed to fix our mistakes. As I try to fix my history of mistakes I need my effort to reflect that. With these companies I have not experienced that reflection. For the first time in my life besides my student loan, I have less debt than I have in YEARS.!! Yet my credit score continues to plummet. I have several issues and I will send what I have on this computer but I may have to mail other documents. This has been going on for months. Any Help with this matter would be greatly appreciated. I just want to make sure these companies are being held responsible for there action as the control peoples lives.

I can't find a home due to all the inaccuracies, as you can imagine this is very STRESSful.
Consumer complaint received 2019-03-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Ad Astra Recovery Services Inc (TX)

I sent them a letter on XX/XX/XXXX ; In XX/XX/XXXX, and in XX/XX/XXXX asking them to verify the debt and amount due. I made several payments to Ad Astra in XXXX and XXXX towards the balance of the loan, but my credit file still reflects the original payday loan amount of {$660.00}. I have reached out to them via US Postal service but haven't recieved 'any ' correspondence back. I need for them to update the amount owed and work with me to resolve the balance or remove the incorrect information from my credit report altogether due ti inaccurate information.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Debt Recovery Solutions, LLC (TX)

I was looking at my credit report and I saw a few things on there that wasn't correct and I reached out to the creditor on on XXXX XXXX for proof these were my debts. I requested this information to the following agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Amount {$620.00} Debt Recovery Solutions XXXX XXXX XXXX, XXXX  XXXX XXXX, NY XXXX Re : Acct # Ending in XXXX ( as it appears on credit report ), Amount {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Re : Acct # Ending in XXXX, Amount {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Re : Acct # Ending in XXXX, Amount {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Ref # XXXX, Amount {$770.00} I didn't know this was even on my credit report until I was trying to get a house loan and was denied do to theses marks on my credit report. I feel I have given them proper time to give me the items I have requested and they have failed to compile with my request of them in 30 days from my letters I have attached to each of them.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NH)

I received a letter on XX/XX/23 stating I had a right to cure default payments and that the last date of payment was XXXX/XXXX/23 for my friends co-signed vehicle. He made his payments on time which reflects in the screenshots and shows he has not past due payments but my credit score dropped XXXX points from this. I would like it resolved and fixed if possible, I personally just paid off my car and would like to reap the benefits of an accurate credit report, especially because my boyfriend and I are trying to buy a house in a few years.
Consumer complaint received 2019-03-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (TN)

I have handed a letter to each loan company I am complaining about not to contact me at work because the fair credit act says if I do so they are not to contact me at work. I have 2 companies that do not follow this and also will call my home several times a day sometimes within minutes of calling. They will also show up at my home without noticed. I need all this to stop. The will even call my family members if the don't talk to them.
Consumer complaint received 2021-12-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (AR)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on REGIONAL ACC. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : REGIONAL XXXX XXXX Opened : XX/XX/2014 Balance : {$5700.00} ; XXXX  XXXX XXXX Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2019-03-09
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: SYNCHRONY FINANCIAL (TX)

My wife and I placed an order for a mattress from Mattress Firm on XX/XX/19. The sales rep kept making odd steps and corrections so we repeatedly tried to confirm that the item he was ordering for us was the exact same item from the floor model. 

We made it abundantly clear that our purchase was strictly on the grounds that we were getting the exact item we wanted, and confirmed FOUR times that the item lined out on the order matched the floor model, as there was no other way to verify. We agreed to finance the purchase of that specific order and that specific order alone. 

Now, we found out that the sales rep pulled a bait and switch on us and ordered a different item from what we agreed upon. As such, the sales rep pulled credit to sell us an item that we had not agreed upon, and had we known about the bait and switch, we never would have authorized the credit pull.
Consumer complaint received 2021-11-29
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. (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX report as well so in order to correct the inconsistencies between the Experian, XXXX, and XXXX credit reports, the account needs to be deleted from the Experian and XXXX credit report. 

The information for this account listed on my credit report is : XXXX XXXX, BALANCE {$42.00}, OPENED XX/XX/2014, ACCOUNT XXXX
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I called transunion the whole month of XX/XX/2021 I asked if I could speak with the fraud department I even spoke with Supervisors and managers and no would helped me with the unknown inquiries I was told by different Representatives at transunion the unknown inquiries would be removed I had to call back Multiple times for weeks for getting false information about my credit report.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have tried on multiple occasions to try and get information correct on my credit report. XXXX  continous to report and address XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XX/XX/XXXX I have never lived at this address or in that town and the apartment has sent this to collection with XXXX XXXX XXXX to collect on a debt that is not mine. I also believe that this collection is over the seven year mark too. I have also written to XXXX XXXX and the two Bureaus XXXX   and Equifax concerning the balance that continues to be reporting. This was a voluntary repossession in XXXX. The car was sold and the new balance was never reported and the bureaus refuse to investigate the account.
Consumer complaint received 2019-03-09
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. (GA)

/On XX/XX/XXXX I requested that the company provide me method of verification of items that are on my credit report. As of XX/XX/XXXX there are 2 items listed on my report they refuse to provide this information. They Said on XX/XX/XXXX, that they do not provide dispute verification. I think they are confuse with what I am asking, so I will quote what FCRA, Section 609 a ( 2 ) requires credit reporting agencies to disclose the source of the information being reported or delete it. In reference to the 2 bankruptcies listed on my report they said they got public information fromfederal bankruptcy court. this a problem, because the bankruptcy court says that they do not provide information to Transunion directly. They said that they do not have any records of them contacting them and public records can be access on many applications and they can be inaccurate. The court made clear they do not report to credit reporting agencies. FCRA, Section611, paragraph ( 6 ) ( B ) iii regarding procedures and investigating states if requested by consumer, a description of the procedure used to determine the accuracy and completeness of information must be provided to the consumer by the reporting agency, this include business name and address of any furnisher. As of XX/XX/XXXX the company has not done so.
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I live on Social Security. I received my bill from Capital One for my payment due on XX/XX/2021, minimum payment {$28.00}. I paid on XX/XX/2021 {$250.00} on my Walmart Credit card ( ending in # XXXX ) on a card balance of {$260.00}, XXXX. My confirmation number for the payment was XXXX. The monies were withdrawn from my bank on XX/XX/2021 under post # XXXX. Today is XX/XX/2021, and according to their computer printout all I had to use on my card was {$11.00}. My credit limit on the card is {$300.00}. At XXXX XXXX I spoke with their representative at phone # XXXX and questioned him as to where my additional {$250.00} were. He advised me that sometimes it can take up to 8 business days to clear. I questioned him if this was normal practice and he answered " Yes ''. I do not believe that the bank is authorized to 'float ' my money without allowing me to have access to the funds. As I stated at the beginning of my complaint, I ( we, my wife and I ) live on Social Security and our budget doesn't allow holding on to our monies when, in doing so, we can't buy groceries or medications. Please advise us if this allowed.
Consumer complaint received 2023-06-12
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. (CA)

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. XXXX XXXX XXXX, in amount of {$500.00} has violated my rights. 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.
Consumer complaint received 2021-09-15
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. (FL)

XXXX had my personal info compromised. I do not apply for anything online. Both companies XXXX  and alsoXXXX XXXX have both agreed to remove.due to fraud. They have removed from XXXX  and XXXX already XXXX transunion had failed to remove even though the companies have agreed to remove. Please have transunion remobe from file or i will file suit for fraudulent info on transunion report
Consumer complaint received 2020-11-24
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. (NV)

Someone got a car in my name from the SAME company I have a car with now. I found out they opened this account before I got my car so I 1st of all don't understand how I was even able to open an account when the person who stole my identity was already in default in the car they had in my name with the SAME company. Also after having this company send me the contract and paperwork it isn't even MY social the person used. They used my address, date of birth, and name but a TOTALLY different social. HOW is that even possible? I filed a police report and an identity theft report and disputed it with all 3 bureaus. XXXX and XXXX deleted it IMMEDIATELY so they CLEARLY did their research and seen it isn't even under MY SOCIAL. Equifax deleted it as well and then a month later ADDED IT BACK which makes NO SENSE to me and has me LIVID. I have 3 auto loans on my credit report that are all in GOOD standing and never been late. This is not even something that I would do and should not be held liable for something someone put in my name and a different social. It obviously wasn't me if the social is incorrect and it should be the company 's fault for even opening an account in my name but a different social.
Consumer complaint received 2018-10-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I received a credit card from XXXX XXXX for which I never submitted an application. I contacted all three credit bureaus to confirm no additional suspicious activity on my credit report and place a fraud alert. I had no issues with XXXX  or XXXX. Equifax refused to review my credit report with me on the phone. I was required to submit to a long series of extensive questions regarding my financial history dating back over several years. I did not have such documentation readily available to me to respond. Given that I have just been the victim of fraud, I also frankly did not want to submit this level of information. The service representative refused to discuss my credit report with me and notified me that, in order to receive my credit report from Equifax, I am required to submit photocopies of identification because I did not answer all of her questions regarding my financial history. My alert claim number is XXXX.