davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Park Hill Holdings (CA)

I am writing as I have reinvestigated the false, fraudualent information that XXXX XXXX and Corelogic, is reporting on my credit profiles, claiming they are receiving their information from XXXX, where in fact, XXXX has denied and proven they are not reporting any of the information XXXX XXXX and Corelogic is providing to creditors. 
In my further review and investigation, I found XXXX XXXX, Corelogoc and their client is reporting false, fraudulent information under three ( 3 ) different company names, XXXX XXXX XXXX, XXXX and XXXX Management for the same property address and filing with the courts three different cases for the same case. 
I have attached my original lease agreement with XXXX XXXX XXXX and not the other companies they claim I had a lease, as well as court documents/records pulled from the Justice Court records XXXX : XXXX? XXXX on XX/XX/XXXX and again on XX/XX/XXXX. 
Both documents clearly show a timeline from XX/XX/XXXX XX/XX/XXXX where clearly the Summary Eviction was DENIED. XXXX XXXX and Corelogic is showing a JUDGMENT as of present day XX/XX/XXXX, and nowhere on any of the court documents/records state a JUDGMENT. 
Not only is XXXX XXXX and Corelogic refusing to delete/remove these inaccuracies as well as stop reporting fraudulent information that they claim they are receiving from their client and Experian but also from the XXXX XXXX, are violating my rights as a Consumer as well as violating all ethical and fair practices of the FCRA. 
Clearly the facts are in front of you, and this company continues to disregard the law not to mention disregards any ethical practices by making me the consumer a XXXX single mother, suffer to continue to not afford us of XXXX and XXXX descent a fair opportunity to secure housing.
Consumer complaint received 2020-07-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX/XXXX XXXX XXXX
Consumer complaint received 2020-07-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX  XXXX XXXX XXXX, 01 XXXX XXXX XXXX, 06 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Company Inquiries : 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 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

There is an account listed on my credit report as " XXXX XXXX '' that had a balance of {$4900.00}. I disputed this account with 4 major credit bureaus. Two of the credit bureaus lowered the balance to {$4600.00} while other credit bureaus removed the account. Evidence from court records shows that the balance is {$3200.00} and that I am not the responsible party for this account. However, Experian and XXXXXXXX are reporting a fraudulent balance and information on my credit report, damaging my credit and ability to obtain financing. Experian claims that results are certified from lender. That is a fraudulent certification. The city of XXXX ( Ohio ) is a local government in the United States of America. Their records and legal ruling in the USA take precedence over any records provided by a private organization. Please see enclosed evidence which proves account status is closed, the balance is {$3200.00}, payments from XX/XX/2020 thru XX/XX/2020, and that I am NOT the responsible party. Meanwhile, the credit report shows a balance of {$4600.00}, missed payments from XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. Obviously, this is a major violation of the Fair Credit Reporting Act. In order to comply with federal law, it must be removed since I am not the responsible party and the account information is not confirmed.
Consumer complaint received 2020-06-26
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: Santander Consumer USA Holdings Inc. (CA)

Gateway one lending is changing old information about account as if they are new account. I had a fraudulent account that was investigated and I filed a police report on and it was blocked due do the investigation. gateway one lending has change the original date, loan amount and account number with XXXX, XXXX, and XXXX. gate way may have sold or sharing the account with SCUSA. I believe this is against the law under fair credit report act.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: ProCollect, Inc. (GA)

This company is very poor service. They do not work with the consumer or give a detailed information. I did not give written consent or said any documentation and I am not obligated to this debt.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Yes I checked my report and notice some inquiries I didn't authorize.. 
1.   XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3.  XXXXXXXX XXXX  XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5XXXX fXXXX XXXX XXXX XX/XX/XXXX 6. XXXX  XXXXXX/XX/XXXX 7. XXXX XX/XX/XXXX
Consumer complaint received 2019-05-14
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. (RI)

I went to check my report and noticed all these inquiries. I didn't give consent to any of these places to pull my credit. Please have them show me proof that i gave consent. 
1.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6.XXXX XXXX XXXX XX/XX/XXXX 7 XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10.XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XX/XX/XXXX 15. XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XXXX   XX/XX/XXXX 22. XXXX XXXX XXXX XXXX XX/XX/XXXX 23. XXXX XXXX XXXXXX/XX/XXXX 24. XXXX XXXX  XX/XX/XXXX 25. XXXX XXXX XXXX XXXX XXXX XXXX 26. XXXX XXXX XXXX XX/XX/XXXX 27. XXXX XXXX XXXX XX/XX/XXXX 28. XXXX XXXX XXXXXX/XX/XXXX 29. XXXX XXXX XXXX XX/XX/XXXX 30.XXXX XXXX XXXX XX/XX/XXXX 31. XXXX XXXX XXXX XXXX XX/XX/XXXX 32. XXXX XXXX XXXX XX/XX/XXXX 33. XXXX XXXX XXXX XX/XX/XXXX 34. XXXX XXXX XXXX XXXX   XX/XX/XXXX 35. XXXX XXXX XXXX XXXX XX/XX/XXXX 36. XXXX XXXX XXXX XX/XX/XXXX 37. XXXX XXXX XXXX XX/XX/XXXX 38.XXXX XXXX XXXX XX/XX/XXXX 39. XXXX XXXX XX/XX/XXXX 40. XXXX XXXX XX/XX/XXXX 41. XXXX XXXX XXXX XX/XX/XXXX 42. XXXX XXXX XXXX XXXX XX/XX/XXXX 43. XXXX XXXX XX/XX/XXXX 44. XXXX XX/XX/XXXX 45. XXXX XXXX XXXX XX/XX/XXXX 46. XXXX XXXX XXXX XX/XX/XXXX 47. XXXX XXXX XX/XX/XXXX 48. XXXX XXXXXXXX XX/XX/XXXX 49. XXXX XXXX XXXX XX/XX/XXXX 50. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

I have submitted no less than six complaints regarding MOHELA demanding payment in my loans that are subject to discharge under thXXXX XXXX XXXX XXXXXXXX lawsuit settlement. MOHELA was notified of the same in XX/XX/ XXXX however they have failed to process the discharge and have erroneously placed my account in repayment. As a full-class member, my account should not be in repayment status. I have repeatedly requested for my loans to be placed back on administrative forbearance, but MOHELA has refused to update my payment status. The Department of education has confirmed that my account should be in forbearance status I have provided MOHELA confirmation of the same they have ignored those correspondences.
Consumer complaint received 2021-09-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (CA)

Mariner Finance agreed to a reduced settlement amount after a prior CFPB complaint. I payed them the amount to close the account but they are still reporting a balance as well as having put a late charge on my account, when the account was already listed a " charge off ''. These vindictive moves have negatively affected my credit when my good faith attempt to pay off and close this account was a move to improve my credit and close out what I owe.
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Good morning. 
I opened a credit card account with HSBC in order of transfering funds from a high interest credit card. I was approved and the transaction for such transfer went into effect on XX/XX/19. However I noticed that my high interest credit card never received the funds. A few days later I called customer service and I was informed that the funds could take up to 20 working days to take effect. I waited those days but I kept calling the company to follow up in the status. I began to notice that the authentication process could not recognize my phone number nor my PIN and I had to use internet banking everytime for authentication. 
A month passed and I was charged $ XXXX because according to them the money had been transferred and I was late in the payment ; so, as they put it it was better to make the payment to avoid damages to my credit. I kept calling and at last they say that some information was wrong and that the transfer never took place. Moreover, they say that because more than 16 days had passed I was not eligible for the 18 month no interest. I refused to re-transfer the funds as the purpose of me opening that account was precisely the no interest for 18 months. They offered to reverse the transaction and refund my payment. Yet, on XX/XX/19 at XXXX XXXX I received an e-mail telling me that my payment was due. I called them back and they say that they were charging XXXX for fees involving the transfer and I was already late. I had no other option that to pay the remaining due for that fee on XX/XX/19. Still they are charging me a late fee of $ XXXX that expect to see it reflecting soon. I must add that no bill was either delivered or e-mailed and I only received a letter confirming the reversal of the transaction. 
At this time that company can't answer why I can't be authenticated using my phone number which I used before with them, nor why my pin is not recognized.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UMB FINANCIAL CORPORATION (WA)

Fraudulent acct approved and opened without my knowledge with criminally obtained information, I never received any inquiries from this company regarding any application Received a VISA Signature Bullion card that I did not apply for or open XX/XX/24 I called and spoke to XXXX ( sp ) in customer service and she told me she would pass the FRAUD information on to their RISK XXXX department I have not heard form them in any form since this conversation Through your complicancy of any concern for fraud you have failed an innocent person by allowing identity theft to thrive within your company
Consumer complaint received 2021-02-26
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)

Per the fair credit reporting act, I am obligated to send a letter to my credit bureaus to dispute any incorrect information before taking any further action, which is what I did. I sent a letter to XXXX, XXXX, and Transunion stating that the information regarding a closed account being reported by XXXX XXXX is incorrect and misleading. XXXX has been reporting past due payments on a *closed account* since XXXX, XXXX. In addition to this XXXX is knowingly reporting false information to my credit bureaus since XXXX XXXX  in spite of having closed the credit card account and selling the balance to a debt collector by the name of XXXX XXXX XXXX. Per the fair credit reporting act, creditors can not report false information and it is unlawful for the aforementioned credit bureaus to allow said creditors to report false information. Per the letters I've sent documenting emails which show XXXX XXXX is in violation of the federal law, XXXX, XXXX, and Transition have decided that it isn't in their best interest to recognize the law and instead want to conspire with the creditor to ensure that the consumer ( me ) gets the short end of the stick. This will be my last and final attempt to reach a fair resolution with the credit bureaus before I pursue further legal action. XXXX XXXX has done a great deal of damage as result of reporting false information which has XXXX me out of getting a business credit card and getting approved for multiple loans. I will not tolerate this any longer.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have never been late with XXXX XXXX XXXX XXXX. Investigation results adjusted a 60 day late error to a 30 day late error.
Consumer complaint received 2024-03-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

on XX/XX/XXXX, I request for information called XXXX or a XXXX  and it is authroixed by a Federal Act called RESPA. So I XXXX under RESPA of all transactions and everything related to my mortage as they have coerced me to signing for modification agreement and partial XXXX on my house for {$110000.00}. I wanted the BREAK DOWN of the partial XXXX and everything related to my mortgage claim. I have filed a lawsuit complaint against Mr. Cooper/ Nationstar for XXXX XXXX for not providing me interpreter when they hired a notary person to come to my house on XX/XX/XXXX. So I have a lawsuit against them so anyway, I received a letter from them on XX/XX/XXXX that they received my inquiry on XX/XX/XXXX and in accordance to RESPA, a response will be provided within 30 days from receipt of my inquiry unless they notify me of 15 days extension prior to the expiration of that 30 days period. however responses are generally provided in less than 10 days. 

TO THIS DATE, I HAVE NOT RECEIVED ANYTHING. NOTHING IN EMAIL NOTHING IN POSTAL MAIL. NOTHING IN MY ACCOUNT WITH NEW LETTER OR DOCUMENT IONS! 

Damages for RESPA Violations If the servicer fails to comply with RESPA 's requirements, a borrower may recover any actual damages, additional damages not to exceed {$2000.00} ( if a pattern or practice of servicer noncompliance exists ), and attorneys ' fees and costs. ( 12 U.S.C. 2605 ( f ) ( 1 ), 2605 ( f ) ( 3 ). ) The statute of limitations for violations is three years. ( 12 U.S.C. 2614. ) So, Mr. Cooper violated that and will need to pay me damages and ALL lawyers fees!! PLUS give me the actual information that Ive requested!!!
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

XXXX XXXX has stopped reporting my positive credit history to Equifax. This has caused my score to drop over 100 points. I noticed that reporting stopped in XX/XX/2020.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX Credit Card ending in # XXXX. 

Inadvertently deleted from being reported to ALL credit bureaus, TRANSUNION, XXXX & XXXX contacted XXXX  XXXX several weeks ago and they REQUESTED account to be REINSERTED to ALL.the bureaus As of XX/XX/XXXX,. it is still NOT BEING REPORTED as advised to my credit reports social security # ending last four digits XXXX
Consumer complaint received 2015-05-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (PA)

My mortgage servicing company " XXXX XXXX XXXX '' has reported many of my mortgage payments as late. I disputed the " Late Payments '' with Equifax, XXXX and XXXX. Equifax and XXXX have finished their inquiry and they still show my payments as late. Equifax and XXXX were also provided with the attachment. 
Please see the attachment. The attachment contains email confirmations send by XXXX XXXX XXXX to me about the payment dates and copy of my bank statements for the months XXXX and XXXX. My mortgage agreement gives me up to XXXX day of grace period each month to make the payment. As you can see from the attachment that all the payments were received by XXXX befor XXXX of each month, therefore, these payments are " On-Time ''. Please help me resolve the issue and remove all the " Late Payments '' from my credit report. 
Equifax Case ID : XXXX Case ID : XXXX Case ID : XXXX
Consumer complaint received 2020-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, I deposited a check in the amount of {$2900.00}. This is the same amount I deposit every month to cover my mortgage payment and from the same bank account I always deposit. I have never had a return item on my account. The check I deposited cleared from my account on XX/XX/XXXX. When I inquired about the extended hold through customer service the individual indicated that because I had written out the amount of the check differently than I normally caused the system placed an extended hold. I wrote out the amount XXXX XXXX and XXXX XXXX dollars vs. XXXX XXXX XXXX XXXX dollars. They have a hold on this check until XX/XX/XXXX causing my account to be overdrawn and will not release the hold. Was charged a {$35.00} overdraft fee but after I made a call they reversed but would not remove the hold. It seems like the extended hold placed was not appropriate and a violation of regulation cc, especially since I never had been overdrawn or had a returned check. Again, this is the same Ck I deposit monthly for my mortgage payment to Bank of America.
Consumer complaint received 2020-07-14
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: U.S. BANCORP (PA)

On XX/XX/2020 I received mail from US bank/XXXX  with a debt card produced in my name. I did not apply or this card nor did I request any information for this service. Fraudulently this card was generated without my approval. 

Section # 2 didn't offer the option to list a debt card was generated without my approval.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

I have XXXX student loans with Navient and tried to work with them to reduce my payments based on my income of $ XXXX. All they offered was a forbearance- no income based repayment program. They charged me {$150.00} for the forbearance. I 'm paying over {$1000.00} a month! I 'm buried!!