davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-21
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. (FL)

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 90 plus ) days late on the XXXX - partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) This student loan was consolidated and paid and therefore there is no outstanding balance due to report as late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2017-06-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Empire Financial Services, Inc. (MD)

In  XXXX  we started the loan procees with empire financial. The agent was   XXXX   XXXX  . After a month, my husband an i found   XXXX   to be unresponsive, present false information and used harassment to try to gain documents from us. We found another lender and authorized a switch.  XXXX  then proceeded to call my work, cell and email me repeatedly. He then proceeded to harass my realtor and threaten her. He said he would hold the fha loan and keep it alive on his end. He would not release it to the new lender. For a month now my new lender has requested the fha case file 4 times.  Empire  refuses to release it and fha itself is trying to help. This is illegal. I also recieved a application release form from  XXXX  so they should not be holding this file.
Consumer complaint received 2023-05-14
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. (IL)

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 U.S.C. 1681. 
1 ). XXXX XXXX open date : XX/XX/XXXX has violated my rights 2 ). Bankruptcy XXXX XXXX open dateXXXX, disposition date:XXXX  3 ) .One Main open date:XXXX has violated my rights 4 ). Dept of EDXXXX open date:XXXX, has violated my rights 5 ). XXXX XXXX open date : XX/XX/XXXX, has violated my rights 6 ). XXXX XXXX XXXX open date:XXXX  has violated my rights. 


and i ask these persons/ companies/ entities/ organizations be removed my credit report due to the Congress passing these articles of law. 
First one : 15 U.S.C 1681 section 602a. States I have the rights to privacy.

second one : 15 U.S.C 1681 604a section2, also states a consumer reporting agency can not furnish a account without my written instructions. 
and lastly : 15 U.S.C 1681c ( a ) ( 5 ) section states : No Consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2017-06-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Continental Finance Company, LLC (MA)

I was contacted by  XXXX   XXXX  (  XXXX  )  XXXX    XXXX   XXXX  , NV a  XXXX   XXXX   XXXX  for  XXXX   XXXX  and  XXXX   XXXX  Fl. I had called the office and spoke with  XXXX  and was set to call her back Tomorrow.  XXXX   XXXX  from  XXXX   XXXX  proceeded to call my elderly  XXXX   year old  mother in law and was verbally abusive and threatening. When I called  XXXX   XXXX  and  XXXX  with this information they told me he went " off script '' and was not reading the script provided to him.  XXXX   XXXX  threatened to be on MY door step here in Massachusetts on  XXXX   XXXX . What his intentions are I do not know. I am on social security  XXXX  and do not make enough to cover what they want. I do not own property. This is a very old debt. When I called  XXXX   XXXX  back to tell him not to contact my mother in law again the phone went right into a message that " This phone is not set up to take calls at this time. '' These kind of threats are very frightening to all involved. Last year  Continental Finance Company had so meone call and personally threaten me. They were reported to the  XXXX  Police Department and were called while I was present in the room. This is not the first time.
Consumer complaint received 2020-08-22
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. (OH)

I am having tons of problems with the spelling of my name on my credit file. My Birth name is XXXX XXXX XXXX My SS XXXX My DOB XXXX. Please delete any other names, DOB or SS variations of my personal information they are not mine. I am in need of a new report with the following addresses deleted that do not belong to me. Please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2020-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (FL)

Refinancing loan signed and closed on XX/XX/XXXX with CrossCountry Mortgage, LLC XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, NJ XXXX. On XX/XX/XXXX, I signed on online access and noticed the escrow amount paid to lender, 1st payment due date and interest amount paid to lender did not match the CD. Contacted the lender and servicing center on XX/XX/XXXX via secure messages & emails. XXXX XXXX XXXX, Branch Operations Manager, phone number : XXXX confirmed she had contacted their servicing center and ALL mistakes would be fixed. My online secure messages or email to the servicing center were never responded. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX with USPS stamped XX/XX/XXXX from Crosscountry Mortgage Servicing, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ILXXXX, stating they are preparing a response to my inquiry. However, the new statement dated XX/XX/XXXX was still showing incorrect amounts. Errors in my account needed to be fixed : 1.  Interest paid to lender as of XX/XX/XXXX is XXXX USD. 2. 1st payment due is XX/XX/XXXX and should be XXXX USD ONLY. 3.  Total paid year to date amount should be XXXX USD interest + XXXX USD escrow = XXXX USD. This is a NEW refinancing loan and CrossCountry Mortgage, LLC servicing center should not have problem entering the CORRECT data into their system. I am very disappointed with the service. Poor communication and inadequate to enter, correct data for their mortgage clients. I'm requesting to have all information corrected in their system and provide me with an update statement.
Consumer complaint received 2021-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently received a copy of my consumer credit report that Transunion provided and I found a number of items on my report that I do not recognized nor did I authorize. Transunion showed blatant disregard for the FCRA laws.
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INTERCONTINENTAL CAPITAL GROUP (NC)

PLEASE DO NOT REFINANCE WITH THIS COMPANY!!!!. I made the biggest mistake of refinancing my home and it was a total nightmare. My Loan officer XXXX XXXX inform and assure me that I did not needed to make my XXXX XXXX payment because the loan was going to be funded before end of the month. I trusted him and by being a first time homebuyer I thought great I'm going to save some cash, well all of that turn into a nightmare, i signed the papers and everything on XX/XX/2020 with the notary and she also said the loan was going to fe funded before XXXX ended. Well that never happen, I started getting calls from my original mortgage company asking for payment and saying I was late, I immediately called My loan officer and I inform him I was getting phone calls from the original mortgage that they were demanding payment. His answer was not to worry that the payoff had been wire already it was just different department. They wire the payoff until XX/XX/XXXX and it was returned because it was short pay, I kept getting calls form original mortgage saying that they had not received payment and that I was already 30 days past due. I contacted Loan Officer XXXX XXXX and informed him, kept getting the same answer I demand it to speak with his boss he would not even give his information, he would put the Pandemic as an excuse that everyone was working remotely, his boss XXXX XXXX Contacted me and said that they were working on the payoff and he assure me that he would take care of things. Never happen, they try to do another payoff and it was rejected again because short pay, by this time my credit took a hit, I was showing 30 days past due on my mortgage account with no fault of my own, 5 of my other creditors close my credit cards and other lower my credit limits. Until I finally called the mortgage company asked for a payoff and I had to call escrow so they could send the correct payoff. Finally after so many calls, emails and frustration the loan was paid off. damage was already done, my credit got ruin thanks to false information and all I got was an " Im sorry this is terrible '' this guy XXXX XXXX never responded to my emails or calls only spoke with him one time and he was never able to fix the problem.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ad Astra Recovery Services Inc (CA)

On or about XX/XX/XXXX, my account was already paid in full and closed. As of date XX/XX/XXXX, AD Astra Recovery Services ( XXXX XXXX XXXX XXXX ) still reporting on the 3 credit bureau my account on collections.
Consumer complaint received 2016-02-05
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (NC)

Santander Consumer USA violated the Service Member Civil Relief Act as well as the fair Debt Collection Practices Act while I was XXXX between XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I was on XXXX, and then entered into XXXX From XX/XX/XXXX to XX/XX/XXXX. While XXXX, one of their representatives called me later hours at night, sometimes after XXXX XXXX. In addition, since they called me, it means they called me while I was at work XXXX. She made a settlement offer while we spoke, and one time she asked me if all of this was affecting my security clearance. The Last payment received was in XX/XX/XXXX, the time I was XXXX. They shouldnt have been asking for nor receiving payment at the time. In addition, they never bothered to repossess the vehicle. I told the individual that the vehicle was back in the U.S. and that I did not have enough money for the settlement offer. She called me at least 3 times while I was there, late hours of the night when I should have been XXXX. To make a long story short, she stopped calling me. I financed the vehicle with this company XXXX. So no payments were made after XX/XX/XXXX. And that 's because I was XXXX and did n't have enough money to make payments. Instead, they should have went ahead and repossessed the car, but they just kept harassing me. About 2 years later, I checked my credit report and I saw where the company wrote off/discharged the loan. Afterwards, another gentlemen called me from the same company talking very rude and nasty to me while I was working at my national guard unit on that particular day. I told him, that since I was an XXXX XXXX XXXX vet, I didnt receive as much and I had no other income or job. He then said basically, that 's b.s. and hung up the phone. Fast forward to XX/XX/XXXX. I received a XXXX from this company stating I was discharged of debt in the amount of {$14000.00}. The letter was dated XXXX/XXXX/XXXX so I 'm assuming that was the discharge date. I also received a letter from SCUSA-SCRA settlement administration stating, this company entered into a settlement with the U.S. Department of Justice for violating the service members civil relief act. The letter informed me that I may be eligible to receive compensation due to their violations that are corrupt. In addition, this debt shouldnt even exist because they never repossessed the vehicle and the debt was written off around XX/XX/XXXX. I know this to be a fact because in XX/XX/XXXX I financed a vehicle from XXXX XXXX XXXX, and XX/XX/XXXX I financed a vehicle through XXXX, so this debt doesnt even show on my credit report anymore.
Consumer complaint received 2018-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

Synchrony bank, which is a owner of the XXXX card and XXXX XXXX  care card is refusing to delete my wife from XXXX  credit bureau. She has spoken with XXXX   several times and they only wanted to dispute the issue. The problem with that is, SHE IS IN ESCROW!! And now she may screw her loan up, the lenders wants those accounts totally deleted off of her reports. She hasn't been an authorized user since XX/XX/2018 XXXX balance is around XXXX and XXXX balance is around XXXX or so? 
This needs to be resolved as of last month. And it needs DELETION..NOT JUST REMOVED AS AN AUTHORIZED USER. FROM ALL CREDIT BUREAUS..
Consumer complaint received 2016-10-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been banking with Bank of America since XXXX or XXXX. At this present time, I find Bank of America to be the biggest criminals out there. In XXXX I opened up and IRA with this company, and I guess the interest rate was okay at the time. Currently my money only nets me {$1.00} a month. On the other end, I have a credit card with this company and they are earning over {$600.00} a year in interest off of me. This is a deplorable way to treat a customer, in fact it is a crime if you ask me. They send out correspondences stating you can get 0 % interest for a certain amount of time, but it is a trap only to get the consumer to pay more interest. I feel that everyone should know about this, this is a trap to keep consumers in debt. Bank of America is for hard working people, but they do not care at all about their clients.
Consumer complaint received 2016-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (FL)

Fraud on my student loan by XXXX.Multiple violations of Higher Education Act.. Denied unemployment deferment in XXXX 1999, for job searches that were not required as of XXXX XXXX, 1999. Loan was forced into repurchase by XXXX XXXX XXXX but Navient continues to try to collect more money though loan was paid by offset year ago.
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened B of A credit card and within a month I got unauthorized charges. My replacement card that was overnighted to me on XXXX was showing as received at my XXXX XXXX address. However, was never received by me at my address. Apparently it was activated from a phone other than mine using my security questions. Which means it had to be activated by a B of A employee. Within a day there 's been almost a thousand dollars of unauthorized charges.
Consumer complaint received 2021-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (TX)

I called in to discover bank to dispute a ACH transaction with XXXX XXXX knowing that I dont business with them and discover was so quick with the investigation and denied my claim and closed within few days and didnt give me the chance to appeal or send any documents for these ACH transactions and wouldnt help me with getting started with the appeal and I lost over 800 dollars with this bank and Im so sad and there no customer service agent would help me and they had to change my account number over to XXXX from XXXX for nothing .... I would like to closed this checking account if they cant grant a appeal with XXXX XXXX ACH
Consumer complaint received 2020-07-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (PA)

ally financial is a company I have a car loan with, the company have reported 2 late payment on my credit report. Which is not correct I have paid ahead something 3 times before the bill is due. the company stated in XX/XX/2020 I was late, incorrect. I called the company and was told it would take them 45days to change the credit reporting status. I don't agree it only took them a day to change my credit score and credit profile.
Consumer complaint received 2017-08-01
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. (GA)

I have on several occasions disputed with the student loan company as well as the three major credit bureaus that they are reporting four of my student loans being 30,60,90 or 120 days past due and this is incorrect ... I have current and updated proof that these loans are reporting correctly in XXXX which is the information system that at least one of the major bureaus if not all three bureaus collect their information from
Consumer complaint received 2017-02-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OR)

I have submitted a form to release a cosigner from XXXX of my XXXX Navient private student loans. I have met the requirements listed here, https : //www.navient.com/assets/pdf/Application-to-Request-Release-of-Cosigners.pdf and was denied a release of cosigner because my cosigner, not I, had made the payments. The information that I would have to make the payments was not made available to me. On a following phone conversation I was told it was because my credit did not meet their required standards. I inquired about the required credit minimum and told it was not possible to tell. I was unable to learn the requirements by talking to the Navient representatives. There is no information regarding this available on their website and it was not sent to me.
Consumer complaint received 2022-08-11
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: EQUIFAX, INC. (IL)

Hi I am submitting this 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 XXXX rept but they refused they had me on mute for XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.