davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-23
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. (IL)

Company reported the incorrect balances in XXXX, XXXX & XXXX. Investigation didnt resolve the problem. Only made it worse. My credit score decreased by 79 points because the company reported balances that were not equivalent to the actual statement balances. Theyre reporting balances AFTER the statement closes which are higher. I was denied credit and denied credit line increases because my utilization has been at 58 % or higher because of their errors instead of being at the recommended 30 % or less.
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

I have been using American Express XXXX XXXX since XXXX. However, on XX/XX/XXXX the bank lowered my credit balance without any notification after I used it to make a purchase online for {$7000.00} online. The merchant returned the transaction as failed due to the fact that American Express lowered my credit balance from XXXX to XXXX with a balance on it. I have made all my payments on time and had enough credit available before the bank decided to lower my credit balance without notice. I had an error on my credit bureau account which I have filed a dispute against. The bank cited that as a reason to lower my available credit. This has caused me undue hardship to make a financial transaction in spite of being a 100 % on-time customer with this bank. Moreover I am currently stationed on XXXX XXXX when they lowered my credit ability.
Consumer complaint received 2021-04-08
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: CAVALRY INVESTMENTS, LLC (TX)

These accounts are reported with a lot of missing information. I would like them be removed from my report as soon as possible because it is really affecting my credit scores. I am wondering why you are allowing these kind of accounts being reporting in one 's file. This is unfair and very frustrating. Please help me out with them and remove them.
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I inherited a home from my father and it burned down a year ago. This mortgage company kept charging me for a whole year because they refused to make a claim to the insurance. Finally I was able to get a check to pay off the house after a whole year of payments for a house that didnt exist anymore and now its so hard to get them on the line just to pay them! I sent the check and every time I call they hung up on me several times for several days when all I want is to pay them. They seem to have no communication in between departments, one person says one thing and another says something else. This is the worst mortgage company and they dont care about their customers. I went through financial struggles the whole pandemic year having to pay for this mortgage ( besides my other mortgage and bills ), they told me they will give me the money I paid for that year since after the house burned down ( more than XXXX ) and now they wont honor what they told me. Stay away from this company!
Consumer complaint received 2020-10-20
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. (AL)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX Account Name : US DEPT ED Account # : XXXX Account Name : US DEPT ED Account # : XXXX
Consumer complaint received 2023-03-09
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: Grain Technology, Inc. (GA)

On XX/XX/ I received an email from Grain Credit that stated my account is ( 1 ) day past due. I was confused because I know a payment was made. Then I got a notification from my credit monitoring, My XXXX, which showed me that Grain Credit posted a late payment on my credit report. I had no idea this was happening to my credit. Grain is in clear violation. THE LAW CLEARLY STATES : The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

The late payment needs to be deleted from my consumer report, because Grain Credit is in violation of 15 USC 1681. 

Furthermore in accordance to the law, failure by Grain Credit to respond with deletion can warrant me to seek further legal action, including but not limited to, {$1000.00} per violation for : 1. Fair Debt Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 usc1681 ] 2. Negligent Enablement of Identity Fraud 3. Defamation of Character
Consumer complaint received 2021-04-08
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: Prosper Marketplace, Inc. (AZ)

Prosper Account # XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Consumer complaint received 2020-10-27
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. (NY)

On XX/XX/XXXX I put a credit freeze with all the credit bureaus due to a an identity theft incident. About a month later I lift the freeze from XXXX  and XXXX. But until now I wasn't able to take off the lift from Experian. I tried online and they didn't let me, so I send them a mail with everything they requested and still they didn't lift it. There is no way to speak with a live person there, and they don't give any indication or explanation for why they don't take off the lift. In the meantime because of this freeze I can't get order a new credit card and can't do anything else that require a credit report, like buying a house, which I started the process to.

Thanks for your help.
Consumer complaint received 2021-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I have sent several letters to letters to the Midland company in regards to said debts owed it's owed and for them to validate which they refuse to acknowledge and keep sending an automatic one page statement. This is not proper communication or collection methods.
Consumer complaint received 2020-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (VA)

This is an issue with the Goldman Sachs Apple Card. They are charging me for two monthly installment purchases I put on the card, when they should only be charging for one. These two installments are tied to two XXXX purchases I made. The first XXXX was returned in mid-XX/XX/XXXXXXXX ( Apple confirmed return receipt ), yet I'm still being charged for it along with the second XXXX I purchased. I contacted them on XX/XX/1920 via chat and got bounced around from Goldman to Apple multiple times so I finally called Goldman Sachs. When I explained the situation they said they were submitting a " case '' but could not provide a case number. Two weeks have passed and now I'm about to get charged again.
Consumer complaint received 2020-07-23
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: Berlin-Wheeler, Inc. (Kansas) (TX)

The collection company Berlin Wheeler is reporting XX/XX/XXXX as account opened for XXXX XXXX XXXX, past due amount {$140.00} I paid in XXXX, I advised Berlin Wheeler Agents in various calls which escalated to a supervisor, which i didn't ask for, that the actual Date of Delinquency for this XXXX   XXXX XXXX is XX/XX/XXXX, therefore a closed account stays on a credit report 7 years from date of delinquency, if this was dated correctly it would not be in my XXXX  and XXXX credit Reports. Berlin Wheeler remain adamant in inquiring waiting on XXXX  XXXX to email them and thus correcting the date of this PAID-CLOSED account. XXXX  XXXX is yet to send an email because they don't list this account as delinquent, and 1 agent advised me they don't know how the collection account got to Berlin wheeler. This is a negligent and inconsiderate credit reporting practice that is resulting in personal opportunity cost of seeking the purchase of a new home, and to rectify my credit report.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Sir or Madam I am writing to dispute inaccurate information contained within my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an investigation into the validity and accuracy of the negative information listed on my credit report. I have carefully reviewed my credit report and identified several inaccuracies, including but not limited to Incorrect addresses, Wrong phone numbers, Inaccurate employment information. These inaccuracies are detrimental to my financial well-being and may negatively impact my ability to access credit and other financial services. As such, I am requesting that all incorrect information be promptly removed or corrected in accordance with FCRA regulations.Under FCRA Section 611, consumer reporting agencies are required to conduct a reasonable investigation into disputed information and, if found to be inaccurate, incomplete, or unverifiable, to promptly delete or correct such information. Furthermore, FCRA Section 605 requires that consumer reporting agencies maintain accurate information and ensure that consumer reports contain only information with a permissible purpose. I am also bringing this matter to the attention of the Consumer Financial Protection Bureau ( CFPB ) for further assistance in resolving this dispute. I have submitted a complaint to the CFPB outlining the inaccuracies in my credit report and requesting their intervention to ensure that my rights under the FCRA are upheld. I request that you conduct a thorough investigation into these matters and provide written notification of the results and any actions taken to address this dispute within the timeframe specified by FCRA Section 611. Thank you for your prompt attention to this matter
Consumer complaint received 2020-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

After waiting months to receive my husbands unemployment from out of state, chase seized our entire account balance without warning leaving us with nothing. They wont say when we will get the money back or give us any information to solve the problem. They left us with absolutely nothing and scratching our heads. Were honest, hard working people who have never committed fraud in our lives. Were supposed to be innocent until proven guilty but Im having to prove I didnt do anything wrong to get my own money back. In the meantime I cant pay my bills. The funds were deposited from the NY department of labor on XX/XX/XXXX and XX/XX/XXXX. The account balance of XXXX were seized XX/XX/XXXX. I spent 2 hours on the phone with the company and went to the physical branch as well. They just keep saying the decision has been made. We have {$0.00} to our name with bills coming up in a few days.
Consumer complaint received 2020-07-23
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. (CA)

I filed a complaint against experian for applying a security freeze without my consent and not allowing to verify i am the person the freeze is affecting and by them making me jump through so many obstacles to attempt in recovering pin to remove feeeze they have been having an adverse afffect on my physical health and mental health by denying me the opportunity to apply for credit thus harming my ability to financial freedom and progress. When i submitted the complaint i specifically asked XXXX to be retrieved or removed but they ignored my question as if they read something compltely diffferent than the issue i filed for. Saying that if i wanted to apply for a freezei can do so with proper id.? They are ignorin ng me and continuing harm my health and freedom. I will be looking into civil rights violations for that
Consumer complaint received 2024-02-25
Product: Credit reporting 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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies
Consumer complaint received 2021-08-19
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: Experian Information Solutions Inc. (VA)

I am locked out of my Experian ACCT by the hackers I reported. I reported identity stolen 3 days ago. Today I got alert someone hit my LOCKED CREDITN DROPPED CREDIT SCORE 11 PPoiNTS. PLEASE ADVISE EXPERIAN TO REMOVE FRAUD ATTACKS AS. CREDIT IS FROZEN. Return 11 credit points to my credit, please.. THANK U
Consumer complaint received 2021-04-09
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. (NC)

XXXX XXXX IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT FOR XXXX, XXXX, XXXX, AND XXXX. I WAS DENIED A MORTGAGE LOAN DUE TO THIS INACCURATE INFORMATION.
Consumer complaint received 2017-12-11
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GMA Investments, LLC (WA)

Received a voicemail to call XXXX to verify some information and claimed they have left numberous voicemails in the past. When I called back a woman answered and told me I owed {$91.00} for payday loan they say I took out and when could I pay it. I advised I could n't make payment now and wanted more info but I could n't understand what she said so she transferred me to another woman. This woman yelled at me refused to give me more info regarding the original creditor and said a very rude comment a long the lines that its not a huge debt and should be more than able to afford it. She said they would let the creditor know I 'm refusing to pay. I told her I was n't refusing but needed more information. I asked her not to yell at me and I was trying to get more information she kept yelling than hung up on me. When I called back I was hung up two more times. I finally got through and spoke to a man who was a little more helpful and provided more information. He said they obtained the file in XXXX/17 but they did n't purchase it. He gave me the address of the creditor and name. He also said they are n't in business anymore. If they did n't purchase the debt than they are n't who I need to deal with. So I thanked him and ended the call.
Consumer complaint received 2020-08-31
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. (TN)

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]  XXXX 'XXXX  XXXX charged off my account and keeps reporting it 30 days late every month. The law does not allow for a company to charge off an account and then report further information for delinquency. 

FSNB can not not be reached for a dispute and keeps verifying information to a credit bureau. 

Tn Dept. of Human Services is reporting an incorrect balance and taking my money without a garnishment order and further not reporting the stimulus money in the amount of XXXX from the state of Texas. It's a violation of the Tennessee Fair Credit Reporting Act to increase garnishment without a hearing first.
Consumer complaint received 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

In XXXX of 2020 I requested a Mortgage Forbearance for my loan being serviced by Specialized Loan Servicing. I was approved for the forbearance for XXXX, XXXX and XXXX. Per the conversation I had with the customer service rep, I was to go online at the end of XXXX and request and extension to the forbearance if was needed. 

On XX/XX/XXXX I requested at forbearance extension. 

On XX/XX/XXXX I received a letter saying that my request made on the phone on XX/XX/XXXX for a loan modification was approved and my missed payments for XXXX and XXXX would be added to the end of my loan. I NEVER REQUESTED A LOAN MODIFICATION LET ALONE APPROVED ONE.

I have since called Specialized Loan Servicing every week asking for them to reverse the loan modification and process the extension. 

Every time I called they acknowledged that I never made the request for a modification, that this " was very odd '' and they would escalate to their supervisor. 

After the forth time my call was no longer being answered by SLS, but was now being forwarded to Bankruptcy Specialists because my loan was now in default. EVEN THOUGH MY ORIGINAL FORBEARANCE AGREEMENT INCLUDED XXXX. 

Additionally I have now requested my original loan forbearance agreement 3 times. Each time they promise that it's being sent by mail and I have never received it. What are they hiding? 

After my 7th call, now speaking with Bankruptcy specialists I was finally told that the investors in my loan were not accepting additional forbearance extensions. 

Today, XX/XX/XXXX I was told that my loan 's investors were XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX. I attempted to call XXXX XXXX XXXX, but they had no record of my loan. I could not find any contact information for XXXX XXXX XXXX XXXX to contact them. 

I feel this is explicit Mortgage Fraud. I never agreed or requested a Loan Modification and I certainly would not have agreed to anything that would have taken me out of forbearance a month early. I believe they are trying to make me default on the loan purposely.
Consumer complaint received 2020-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

I have been cancelled on my home owners insurance, which under my conventional loan/policy I must have on my property. My Homeowners insurance is through XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX Telephone : XXXX ). The bill was supposed to have been paid on XX/XX/2020 in the amount of {$2500.00}, and the lender, US Bank Home Mortgage ( U.S. Bank Home Mortgage, XXXX. XXXX XXXX, XXXX, MN XXXX XXXX : XXXX XXXX, who handles the escrow, failed to pay. I have contacted them on multiple occasions, one date being XX/XX/2020 where they verbally told me via the phone that they had written a check # XXXX and that it was getting mailed via USPS tracking : XXXX, and that it was going to be over nighted. After following up with my home owners insurance XXXX XXXX XXXX XXXX one week later on XX/XX/XXXX, they still had not received it. I then followed up on XX/XX/XXXX with XXXX XXXX, and they stated they still did not have it. At this point I am baffled and feel stuck that there is nothing I can do. US Bank still continues to tell me that they sent the payment. At this point XXXX told me on XX/XX/XXXX that if they don't have it, it likely was not sent.
Consumer complaint received 2020-07-23
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: DISCOVER BANK (IL)

Company reported the incorrect balances in XXXX, XXXX & XXXX. Investigation didnt resolve the problem. Only made it worse. My credit score decreased by 79 points because the company reported balances that were not equivalent to the actual statement balances. Theyre reporting balances AFTER the statement closes which are higher. I was denied credit and denied credit line increases because my utilization has been at 58 % or higher because of their errors instead of being at the recommended 30 % or less.