davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2020-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I am always getting confused with my father who lives with me. He is XXXX XXXX My bother is Jr. and I am the middle son. This is not my debt and I do not know what it is! I continue to dispute the debt with the credit bureaus but they have not helped me and I need help! 

and to make matters worse this collection company keeps updating this account monthly to refresh it to make it look like it is a new account!
Consumer complaint received 2019-08-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NJ)

I spoke to Navient representative XXXX. XXXX on XX/XX/2019 at approximately XXXX EST. The  beginning of the call went well ; however, when I expressed that the options given to me were not feasible. The representative soon became very rude and abrasive. The representative soon begun to mention threats towards me and mostly my mother. He made it seem as if he was the end solution in all matters. I am appalled at the lack of professionalism that was displayed in the call, I mentioned the time and date of the call so that Navient may pull up the call and hear the recording.
Consumer complaint received 2021-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (IL)

I applied for an Amazon store card on XX/XX/21 and instead of the store card I received a Amazon Prime Rewards Visa. It was the wrong card and I contacted both Amazon and Chase and they both said to go to the credit bureaus because it was out of their hands. I keep filing dispute after dispute and it is being rejected. I never applied for this specific card. Now I have a closed account because it is the wrong card and I do not use it and closed it.
Consumer complaint received 2020-11-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Received a bill from my homeowners insurance asking for payment. Come to find out our home owners insurance company XXXX has reached out to the loan servicer on two different occasions, XX/XX/XXXX and XX/XX/XXXX to pay the home owners insurance through our impound account and the mortgage company has failed to comply, Freedom Mortgage. The premiums on my home owner insurance is for the period of performance XX/XX/XXXX to XX/XX/XXXX. I am currently lapsed in my home owner insurance because Freedom Mortgage has not made the payment. It appears the insurance coverage department at Freedom Mortgage is only open Monday-Friday, but the loan Department is open Monday-Saturday and can not handle making the payments for insurance only work payments for the mortgage.
Consumer complaint received 2021-08-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY (NY)

As I had mentioned in a previous complaint against TD bank, despite the fact that I have had a Direct Deposit account for Social Security XXXX with TD Bank for more than ten years they have continued to deny me consideration for a credit card or auto loan or mortgage loan resulting in me being forced to experience continuing difficulty in business, employment and in making it through a day to day existence.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MS)

XX/XX/2019 My lender is unable to obtain my credit report/score from Experian. Several attempts to upload copies of proof of ID onto their website as instructed resulted in error. Two ( 2 ) written requests to permanently unfreeze my account were submitted via U.S. Postal Service on XX/XX/2019 and included copies of the following ID 's as requested ; Driver 's License Social Security Card Passport Bank Statement Real Estate License On XX/XX/2019 I received a reply from Experian which included a report number as well as a personal ID number to use in order to unfreeze my account. However, an error was repeatedly received after many attempts. 

I have attempted to reach out to Experian in order to speak with a live person. However, this option is not available through their automated telecommunication service. Efforts made by my lenders to request a credit score/report have been exhausted. As well as my own attempts to permanently remove the security freeze. 

While my lenders are currently on hold, my loan application will soon expire. Therefore, it is critical for my lenders to receive my credit score from Experian without further delay. Your attention in this matter is appreciated. Thank you.
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I have had multiple phone calls with XXXX XXXX to try to fix this issue since XXXX of XXXX. Multiple cases have been opened and there was part of the issue fixed in XX/XX/XXXX. More cases were open to fix the second part and nothing has been done since. 

XXXX XXXX did not pay my property taxes in XXXX of XXXX. In XXXX of XXXX, I received a tax bill from the City with increased property taxes, supplemental taxes, and penalties and fees. I have a tax abatement on my property that the city took away for XXXX which retroactively impacted my XX/XX/XXXX tax payment and XX/XX/XXXX tax payment. They took the abatement away because of the missed XX/XX/XXXX tax payment. 

My tax bill was {$1100.00} in XXXX of XXXX and should have only been {$1200.00} in XXXX of XXXX. 

On XX/XX/XXXX, XXXX XXXX debited my account {$1900.00} for city taxes, {$810.00} for supplemental taxes, and {$78.00} in tax penalties and fees. After multiple phone calls, a property tax refund was issued for {$890.00}. This was a credit for the {$810.00} supplemental taxes and {$78.00} in tax penalties and fees. 

I have tried to get XXXX XXXX to refund me the difference between {$1900.00} in city taxes and the {$1200.00} that was actually due. I should not have to pay the higher city taxes because of a mistake on XXXX XXXX 's part of not paying my XX/XX/XXXX taxes. Each time I call I get told a case is being opened up. In XXXX, I was told my case was being expedited to a team who would give me an update in 4-5 business days. 

I called back in today and was told to send a message in the portal and then call back and try to speak to a supervisor. She told me she did not have a process that could help me other than to try to find a supervisor to speak to.
Consumer complaint received 2021-06-22
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: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-04-06
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. (MD)

My name is XXXX 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.
Consumer complaint received 2020-12-03
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. (MS)

This organization has reported this account as delinquent.. This account is active and has a positive balance and has been paid frequently! Reporting is as such should break FCA ... 24?!? Dollars Really!!! And I am a Veteran! Really sad our country have come to this!
Consumer complaint received 2019-08-21
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. (IN)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2023-02-22
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. (CA)

Equifax is reporting an unauthorized inquiry from a company I have not done any business with called XXXX XXXX XXXX. I reached out to equifax to remove the item with no avail. Date of inquiry was XXXX 2023.
Consumer complaint received 2019-08-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We want Sps mortgage inc investegated you are the servicer on our mortgage. Our loan was originated back in XX/XX/XXXX. We are victims of a predatory loan. We were misrepresented by the mortgage broker and by XXXX XXXX when this loan was originated. We have reviewed our loan with specialist in the industry and there was fraud on documents from the mortgage broker to the banks and forgery on loan documents and disclosures. Since this loan was originated this loan has been passed along from XXXX XXXX, to XXXX XXXX and now Sps mortgage inc. We also have checked with title specilist and Sps does not hold legal title on our home properly to foreclose on our home since title recording on purchase date and from all the loan transfers from bank to bank .The title chain is broken and not correct. We are victims of predatory lending and now we are stuck with a toxic loan, Due to all these greedy large banks and corporations trying to maximize profits on homeowners that got these toxic loans. We want to hold these corporations accountable for the problems you have caused to our family. We have tried to work with sps over and over to fix our toxic loan and it just seams to fall on deaf ears. We will continue to defend our home until there is a fix on our mortgage.

Stop foreclosure activity on our home and fix our mortgage.

fix our toxic mortgage.

lower our principal balance / balance started at XXXX k now over 690k.

bring our account current fix this ridiculas wrong toxic loan.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX  acct # XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2017-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC (NY)

XXXX XXXX XXXX claims I have outstanding debt with them. This is a liability that they are fraudulently attempting to collect from me. I assume the result of identity theft. I have never heard of them, or of the original creditor ( XXXX XXXX XXXX ) that they claim the debt stemmed from. I have never been contacted by XXXX XXXX XXXX, and the first I heard of XXXX XXXX XXXX is when I learned of the derogatory remark on my credit report. They have NEVER even attempted to contact me. 

On XXXX/XXXX/XXXX, I submitted a dispute through their website. They have yet to respond to me, as they know they have acted with reckless disregard and are at fault. See attached for confirmation of the dispute I filed.
Consumer complaint received 2023-04-06
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. (TX)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-04-05
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)

Fraudulent accounts and inquiries appearing on credit report. 

1. XXXX {$1300.00} 2. Pa Child Support Enforcement {$16.00} 3. XXXX {$0.00} Inquiries 1. XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX XXXX 3. XXXX XXXX XXXX 4. XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX 8. XXXX XXXXXXXX XXXX 9. XXXX XXXX 10.XXXX 11 . XXXX XXXX XXXX
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have sent the credit bureau copies of my full name, address, social security number, and copies of documents for my personal information. I have requested them to remove misspelled names, addresses that are not mine, and that is not correct. I wish to get this resolved immediately.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I contacted XXXX XXXX XXXX XXXX in XX/XX/XXXX to discuss a balance of {$53.00} showing on my credit profile. After sometime the agent told me that they could not locate my account information, I asked the agent why are they reporting to the credit bureaus about an account they have no record of existing? The agent advised me that they would stop immediately reporting and that the account would be removed from reporting status. 

I fast forward to today XX/XX/XXXX and I while reviewing my creditwise I see XXXX XXXX XXXX XXXX Charge Off in the amount of {$53.00}. They have attempted to collect on a debt that they have no record ever existed and they also have lied by stating they would not report a ghost debt.
Consumer complaint received 2019-08-21
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. (MN)

TransUnion reports a 30+ day late payment on my XXXX XXXX account for XXXX XXXX. With this bank, I had automatic payments and online billing statements configured. However, my automatic payment profile was removed without consent or notification, and I received no electronic statements or other notifications informing me that my payment was not being made. XXXX XXXX claims I was receiving physical statements to my mailing address - even though I specifically had them configure online statements because I would not have physical address to this address for the majority of the year.As anyone can see based on my credit history, I am a responsible lender. All of my payments have been made on time and I do not believe that a bank that chooses to have outdated online systems and poor client communication should impact MY credit history.  I would like the late payment removed from my account due to XXXX XXXX not taking the appropriate steps to inform me that there was an issue. XXXX  and XXXX have already resolved this issue on my my report (I've attached my dispute results from XXXX  as evidence). For an unknown reason TransUnion chose not to make any changes, nor inform me of any reasoning. This is the basis of my CPFB complaint.
Consumer complaint received 2024-03-26
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: ALLIANT CREDIT UNION (MA)

I never had a loan with XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX Bank. I live in XXXX and these transactions all stem from Georgia. Someone has used my Identity and I can not get it off my credit report no matter who I call or write too! 

My Checking Account was breached in the XXXX XXXX XXXX about 7 years ago. Wondering if this is how someone got my information!
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is regarding an account reporting on my personal Experian credit report. 

Account Name : XXXX Account Number : XXXX For over 6 months I have been disputing this account with the credit bureaus and each month they have not been able to report accurate information regarding this item. Many pieces of information that are being reported on this keep changing over and over and are not accurate! 

I also faxed in a request for the METHOD OF VERIFICATION by fax on XX/XX/XXXX and by law the credit bureaus is required to send within 15 days and this was NEVER RECEIVED. They are consistently reporting inaccurate information after repeated letters. I have attached all the documents. 

In Addition to failing to provide the method of verification after I requested by fax and proof of fax confirmation is enclosed : Credit Report dated XX/XX/XXXX : 1 ) From the previous month 's credit report when pulled ( XX/XX/XXXX ) the balance changed from {$7400.00} to {$7300.00} which is inaccurate! 
2 ) The date of last payment is reporting XX/XX/XXXX also not accurate! The other two bureaus report different dates. 


On the previous month 's report dated XX/XX/XXXX : 1 ) The balance changes from {$7300.00} to {$7400.00} which is not accurate! The other two bureaus show different balances!

2 ) The date of last payment switches from the month before from XX/XX/XXXX to XX/XX/XXXX! Very inaccurate! 

On the previous months report dated XX/XX/XXXX 1 ) They are reporting a monthly payment of {$0.00} which is not accurate! 
2 ) Same issue with balance reporting {$7300.00} when the month before was {$7400.00}! Not accurate! 
3 ) The date of last payment is reporting XX/XX/XXXX when the month before it was XX/XX/XXXX On the previous month 's report dated XX/XX/XXXX : 1 ) The balance again is {$7400.00} when it was {$7300.00} 2 ) The date of last payment changed again! All Inaccurate They are just switching numbers all around and it is completely inaccurate by changing the balance, and the, terms, and the monthly payments to different amounts all the time! 

I want this item deleted since they are continually every month reporting it inaccurately and have failed to respond to my method of verification request which they are by law required to do!
Consumer complaint received 2019-03-14
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 have disputed the following account, ( 1 ) XXXX XXXX XXXX {$4.00}, ( 2 ) XXXX XXXX XXXX  {$0.00}, ( 3 ) XXXX XXXX XXXX {$1.00}, due to the fact the information is inaccurate and does not rightfully belong to me. Your company investigation response was account verified. Now I'm requesting the Method Of Verification for that investigation conducted by your company. What certified documentation did you receive to confirm your investigation. What is the name and title of the person conducted the investigation, what day, date, and hour did this take place. Please provide me with all relevant information pertaining to your investigation. Your cooperation is Appreciated.