davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
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)

Today around XXXX XX/XX/2022 I called Experian as I noticed I have disputed my XXXX Retail Credit account twice in 3 months and they do not do any due diligence when the company responds. I have been given no proof they have even answered. Today I was told that is how it is. If they ( XXXX ) do not want to respond they do not have to or even update my account properly the Experian representative said today. I have settled this account in full. It is still showing derogatory and past due. I have other accounts I have settled in full and those accounts are updated correctly. 

I have documents to upload and of course it never works on Experian. When I called XXXX they put the blame on Experian and Experian put the blame on XXXX. This is extremely frustrating. 

Experian is a leader in the industry and this situation they seem to not want to be bothered. This is the 1st time I have had such a issue with them and hate having to do this. They have always been the better reporting agency.
Consumer complaint received 2018-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

I DONT GIVE A XXXX IF THE CHECK WAS UNPAYABLE BY THE PEEPLE I GOT IT FROM, WHERE IS THE ORIGINAL INSTRUMENT [ CHECK ] WITH MY WET INK SIGNATURE? AND WHAT DID YOU DO WITH IT? AND WHY IS IT SO VALUABLE FOR YOU TO HIDE, TO KEEP, TO RESELL,? EXPLAIN TO ME THE DEBT WHEN YOU MADE A SECURITY INSTRUMENT OUT OF THE ORIGINAL CHECK AND SOLD IT, LIKE YOU DO TO EVERYBODY ELSE YOU CRIMINAL XXXX XXXX LIARS MISCREANTS, so EXPLAIN TO ME A WRONGDOING? SO WHAT WRONG DID I DO? EXPLAIN THAT TO ME,,,,,,,,,,,,,,,,,,,,,,,,,,, CITIBANK is A FRAUDULENT CRIMINAL AND USES WORD SEMANTICS AND MANIPULATION OF FACTS, so i read the response, and it doesnt answer my questions, and is very deceptive, so you kept the original check, how long did you keep it before you sold it with a cusip number as a securities instrument?, I have located the financial institution you sold it to, did you also sell my original contract with the wet ink signature?, I BET YOU DID, AND ARE YOU GOING TO CHARGE SERVICE FEES TO MY TRUST ESTATE?, I BET YOU ARE FOREVER, so CITIBANK has sold the original instument which now there is no proof of indebtedness, I havent received a sworn statement from ANY citibank representative stating a wrongdoing committed by me, sworn to before a notary which makes it binding ; ; and yet citibank makes false claims on me? send me a sworn statement of wrongdoing committed by me and swear to it under oath, because you cant do it, YOU SOLD THE ORIGINAL INSTRUMENT AND MADE PLENTY OF PROFITS FROM IT AND IM GOING TO PERSUE THIS MATTER AND PROVE THE FRAUD AND LIES COMMITTED BY CITIBANK, I NEVER RECEIVED ANY ''BILL '' EITHER, SO SEND ME A ''BILL '' AND NOT A STATEMENT, A STATEMENT DOESNT PROVE ANYTHING, its all presumptions you XXXX liars creepy freekazoids criminals, HOW MANY SIGNATURES ARE YOU SELLING EVERYDAY YOU LYIN XXXX   XXXX, AND THE LAW SAIS YOU OWE ME THE INTEREST WITHIN 3 YEARS FROM ALL THE SECURITIES YOU SOLD USING MY TRUST ESTATE,
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (OH)

According to XXXX XXXX XXXX XXXX, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ).

LVNV is repeatedly reporting charge-offs every month and the information is inaccurate across all three credit bureaus. Every time this account updates the statute of limitations is extended. Every update makes the account look newer than it is. REAGING THE ACCOUNT IS ILLEGAL!
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

The three credit agencies have inaccurate information about my name, addresses, phone numbers, public records information. These three agencies are allowed to casually commit libelous acts against the public, with little to no consequence, but the consequences for the individuals are real. Also, I shouldn't have to send in a copy of a driver 's license or utility bill to access MY credit report. I don't need to send a credit reporting company a copy of my driver 's license or utility bill. That is insane and an invasion of a person 's privacy.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The three credit agencies have inaccurate information about my name, addresses, phone numbers, public records information. These three agencies are allowed to casually commit libelous acts against the public, with little to no consequence, but the consequences for the individuals are real. Also, I shouldn't have to send in a copy of a driver 's license or utility bill to access MY credit report. I don't need to send a credit reporting company a copy of my driver 's license or utility bill. That is insane and an invasion of a person 's privacy.
Consumer complaint received 2019-08-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (AL)

Chase is not servicing our loan according to FHA guidelines. They initiated foreclosure twice in 2018 during a federally-declared disaster that affected both our home and workplace. They have never had or attempted a face-to -face interview in pre-foreclosure as FHA requires and in July of this year refused to consider us for loan assistance, saying they did not receive the "initial" request in time. We filled out the rma sent to us via postal mail by XXXX  XXXX, Executive office, along with a dr's letter showing end-stage XXXX   XXXX. The rma sent by chase and this letter were faxed and sent via secure message on chase.com. We have an email saying it was received and being reviewed...and then XXXX XXXX we got a letter saying our initial request was not sent it time and we would not be considered for loan assistance. But that they were looking into postponing the sale. They said they were opening a "case" to look into it, but gave me no case number and finally after numerous phone calls, said there was no case filed and no one would be looking into it. The foreclosure is now in two days, and although the executive office has opened a case, we are being offered no other assistance or considered for any loan assistance. We were told there is a new "verbal interview"  requirement but that Chase doesnt tell you that...you have to call to ask for the "re-application" department. I can find no record of this policy or department. But the loan escalation team said it is a requirement before they will act upon any loan assistance application? Chase is not servicing our loan according to FHA requirements, nor are they following the court orders the federal government cautioned and fined them for repeatedly. They are doing irreparable harm by refusing to consider this loan for assistance, and violating the terms of this FHA loan.
Consumer complaint received 2022-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (PA)

In XXXX of this year my entire family got XXXX. Because our kids were very sick too. My wife and I were out of work for weeks. My entire family wasn't back to work/school until the middle of XXXX. In XXXX of 2022 we applied for the XXXX  program to help us pay for our mortgage payment. We were told back in XXXX of 2022 that we were in the last stage of our application. But when XXXX came and we had not heard anything from the XXXX. We decided to find out what was holding up the application. We found out that XXXX sent a form over to our mortgage lender on XX/XX/2022. Our mortgage lender never received that email. After spending three full days trying to get both side to communicate. My mortgage lender finally wrote an email to XXXX  on our behalf asking them to resend the email. On XX/XX/2022 XXXX resent the email and my lender confirmed that they received it. And the lender filled the form out and sent it back to XXXX  that same day. My lender states that they were verbally told that we had been approved. And that they even told my lender a dollar amount. My family and I had been paying our mortgage loan biweekly for a few months now expecting the XXXX to start any day. On XX/XX/XXXX our mortgage went 30 day pass due for the first time ever. And I do believe that it is not fair or legal. Not only did my wife and I have a payment arrangement with our mortgage lender to pay ever two week. They were also fully aware of the XXXX  miscommunication because of us, If my wife and I had not decided to make any attempt to solve the hold up, we could have been stuck in limbo forever. P.S it is XX/XX/XXXX and we still have not received any help from the XXXX program. We applied in XXXX.
Consumer complaint received 2022-04-07
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. (MO)

I filed a complaint with the XXXX 6 months ago with respect to Experian. Experian finally completed their investigation and fails to correct the reporting status of XXXX XXXX. In XXXX of XXXX, I did file bankruptcy and clearly stated I was going to be reaffirming my mortgage. In XXXX of XXXX, XXXX sent notice that they were transferring my loan to XXXX & XXXX bank. I was not allowed to reaffirm with XXXX because they were in the process of transferring the loan and stated that any reaffirmation would have to be made with XXXX & XXXX bank effective XX/XX/XXXX. I did reaffirm my loan with XXXX XXXX XXXX Bank, however, Experian continues to incorrectly report that my XXXX mortgage was discharged through bankruptcy. My Bankruptcy was not discharged until XX/XX/2017, at which time, XXXX was no longer in possession of my mortgage due to the transfer making this information false. I even have a letter from XXXX from XXXX clearly stating they were inaccurately reporting my information and that it was service transferred and not discharged through the bankruptcy. Experian has an obligation by law to not only complete disputes in a timely fashion, which they failed to do by taking 6 months, but they are also legally obligated to report accurate information. Their failure to do so despite having all of the necessary documentation to correct this makes them in clear violation of the law. As this is not the first dispute with Experian about this account and they continue to violate the law by incorrectly reporting the details of the account by using data checkers instead of actually looking at the evidence provided, I respectfully ask that they delete the XXXX account.
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (NV)

I called XXXX  & equifax and told them false inquires are reporting on my credit report and they did absolutely nothing and said i must have an FTC report.
Consumer complaint received 2020-11-23
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: Colony Brands, Inc. (MO)

Re : Unauthorized Credit Inquiry Account # XXXX XXXX XXXX XXXX Swiss Colony/XXXX and/or Colony Brands in XXXX, Wisconsin I have been a loyal customer of XXXX since XXXX, XXXX. During this time, I have enjoyed the clothing, shoes and boots. Choosing to pay down my balance before ordering anything else, which Ive done my current credit limit is {$1100.00} ; available credit is {$1000.00} with an outstanding balance of {$150.00}. 

On XX/XX/XXXX recently receiving your current catalog I saw a beautiful sequined dress and placed an order for it. On XX/XX/XXXX I received and email stating that I needed to pay for the item in full. On XX/XX/XXXX I was notified by XXXX that a hard inquiry was made by Swiss Colony/XXXX  on XX/XX/XXXX that I DID NOT AUTHORIZE. Further, XXXX reported AGAIN to the three credit reporting agencies that I was 30 days late I was 30 days late in XXXX, XXXX which was reported XXXX, XXXX. However, XXXX also reported the same late payment AGAIN to the three credit reporting agencies on XX/XX/XXXX! HOW CAN YOU REPORT A LATE PAYMENT TWICE it dropped my credit score 30 points for a 2nd time because the same late payment was reported twice!
Consumer complaint received 2020-11-04
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. (CA)

i'm complaining about unfair portrayal of credit information on XXXX, transunion, and XXXX.The negative portrayals of XXXX XXXX acct. no. XXXX, XXXX  XXXX XXXX, account no XXXX, XXXX  XXXX XXXX, acct. no.XXXX, and XXXX  XXXX XXXX are due to a single source that was beyond my control and overwhelming me.My spouse who is now divorced from me was systematically stealing and using credit without my permission.As a result I am left with severe credit damage which could be mitigated by you.
Consumer complaint received 2021-05-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ADP Inc. (OK)

Through my employer I had an 401k plan from ADP. I was laid off XX/XX/2020 I needed to withdraw those funds because I was without work. 6 months later and I still can not access my funds. Every time I contact ADP they give me the runaround. I've contacted them twice this week, once last week. On XX/XX/XXXX and three or four times previously before that.
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MO)

Disputed the inaccuracies of XXXX XXXX  XXXX on my credit report with Equifax on XX/XX/19. XXXX received my disputes on XX/XX/19 as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back from XXXX. The FCRA gives the company 30 days to respond. I have not gotten a response.
Consumer complaint received 2021-11-28
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: Medical Data Systems, Inc. (VA)

On XX/XX/2020, XXXX XXXX XXXX XXXX owed does not belong to me. The Medial Day Systems company failed to disclose validation of account. Disputes have been made to all credit reporting agencies. XXXX removed the account, but XXXX and XXXX failed to remove the account after disputing that account does not belong to me. These agencies also did not provide any information regarding their findings. XXXX and XXXX did not provide any documentation and failed to remove these accounts off of my credit report in the timeframe of the federal law. According to the FCRA, this company and credit bureaus have violated my rights as a consumer.
Consumer complaint received 2022-10-11
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: MARINER FINANCE, LLC (MD)

On XX/XX/2020 my father XXXX opened up a loan under Mariner Finance. I XXXX noticed that there was a Mariner Finance loan ( {$3200.00} ) that I never had. I contacted them in regards to it and spoke to my father. The company wouldnt answer the phone and tried their best to rush me off telling me your information is on it so its your loan. Once my mother went to the store they gave her a printed out copy of the check without having to show any sort of identification. They also informed her that it happens often here when she asked how could they mix up information. I disputed the account but Mariner Finance continues to state that its mine after I expressed to them that I never walked inside of a Mariner Finance and that my father told me that he indeed signed and cashed the check.
Consumer complaint received 2022-04-28
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: WELLS FARGO & COMPANY (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-11
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: MECHANICS BANK (MO)

Mechanics Bank is reporting I have missed two payments when I have not. All payments have been made on time. They say I missed XXXX and XXXX payments. I have bank statements to show both were paid.
Consumer complaint received 2023-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (FL)

I am very dissatisfied with my Mortgage Servicing company, Gregory Funding, XXXX. 

I have extensive damage in my home due to a hurricane. It took me 3 years of legal action to get my insurance company to settle out of court for the amount of the repairs. 

The settlement check was cut in the middle of XXXX to my mortgage servicing company and they have yet to pay out any amount of the settlement as they have been instructed to. 

When I or my attorney 's office try to call we are kept on hold for sometimes over an hour. When we email them, we get no response. 

How can a company be allowed to operate like this? The worst part of this, is that we didnt choose to work with this company. Our mortgage was sold to them and they were forced upon us.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

Incorrectly reporting of student loans being paid 1st through NJ Higher Education then went to debt collector, attorney XXXX XXXX back in XX/XX/2012 have been paying since but they are not reporting I have written to NJ Higher Education previous to the attached letter twice but nothing happened. You will see by the correspondence what has gone on through the years. Yet everyone says nothing changed. Also to this day no-one will in turn send me what the balance was when the attorney received these accounts? Why? 

I am uploading the correspondence below for your review. Maybe you can help me. This is hurting my credit tremendously as it looks as though I have not been paying at all. 

Thank you. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (WI)

I don't recall having a contractual relationship with this collection company XXXX XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I requested by letter for XXXX, XXXX and Equifax to validate the missed payment on three accounts with the Office of Attorney General. I received a response by email from XXXX and by mail from XXXX and Equifax by mail. That the accounts were verified as correctly reporting. All 3 credit bureaus reports are inconsistent showing sever missed payment on one case XXXX has reported XXXX  payments being missed. While Equifax reporting 5 missed payments and no other data received. XXXX reports has a 180 days pass due since XX/XX/2021 and all three agencies reporting different amount owed. The same inconsistency is report on the other two cases with the OAG office. I haven't received any documentation supporting their findings from the investigation. I had miss work and went to the OAG office for a print out of my payment history there was no missed payment due to the payment is being garnished from my pay check. I don't know how XXXX, XXXX XXXX and Equifax received the information I was told at the OAG office that they don't give out this information over the telephone without proper identification. Must be in person or a legal representative for the custodial or noncustodial parent in the case.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

In accordance with the Fair Credit Reporting Act, XXXX, XXXX XXXX Transunion have violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A, States that I have the right to privacy These addresses do not belong on my report : XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX