davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i have alot of inaccurate acoounts on my credit report that does not belong to me i feel really upset about this matter and willing to file a lawsuit i reach out to transunion XXXXand XXXX about theses issues its stop me from getting a mortage from fha please help me resolve these problems thank you
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I called Experian to get something removed from my credit due to XXXX  of my husband from XXXX. Instead they requested late payments to be updated. I never told them to do that. This made it look like i was just on a payment and I was not. It was disputed due to XXXX related issues.
Consumer complaint received 2018-02-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TX)

Me and my wife got approved for a home loan at 4.25 with tier B credit levels. I had a few medical debts that I was told to leave alone considering we had already gotten approved, and we didnt want to change anything that could affect our credit. It was a loan on a construction home that was going to be ready to close on the first of XXXX. With that being said we werent given the chance at a rate lock of the 4.25 because the loan officer and processor couldnt get any paperwork turned in or requested in a reasonable amount of time. The final rate lock would have secured our loan. The problem is that they never discussed any of this with us when it was supposed to be done which was 90 days before XX/XX/XXXX. When they did finally decide to run the credit for the rates, a few medical bills in the past opened up as new open debts. This caused my score to drop well below any approval for any mortgage. I do understand that the medical debts are still my responsibility. I also take full responsibility for my debts. My problem is that I was following the directions of the bank employees step by step and they decided that they would reciprocate their efforts with laziness and lack of communication. I do apologize for the complaint being out of order and misdirecting. I have been put through six months of an emotional roller coaster. Just to have to be given a very hard and unclear no to the house that we watched be built from the ground up. The personal investment that was taken by Navy Federal and their lack of commitment can not be undone. I really hope that other customers dont have to be put through what me and my wife have been put through.
Consumer complaint received 2021-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I Recently received a copy of my credit Report After Reviewing it I found that there is an Inaccurate Account that i Did not Authorize. This Account is Fraud and i want this fraud Account Removed from my Credit Thank you
Consumer complaint received 2019-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Finance Company, Inc. (NM)

This is in response to a recent claim regarding account # XXXX, which PROFESSIONAL FINANCE CO claim a collection account on my credit report, stating I owe {$210.00} Which I found on my credit report and have been trying to come in contact with the company via mail but always get my letters returned with no luck of finding anyway to come in touch with them. 

To PROFESSIONAL FINANCE CO I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX XXXX   and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receiving this may result in small claims legal action against your company at my local venue. 

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
I wished to be contacted by the company via Mail only.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Equifax erroneously put a derogatory account on my credit report on XXXX XXXX ... called XXXX XXXX ... I have been complaining to Equifax that XXXX XXXX is disclaiming the derogatory account. I am enclosing my communication to the Equifax CEO who is completely ignoring my request, and I am enclosing XXXX XXXX to the Consumer Finance Protection Bureau. XXXX is clearly disputing that they are responsible, so that derogatory account should be removed from my Equifax immediately.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My debt is currently being managed by a credit counseling agency - XXXX XXXX XXXX. My credit card accounts were all negotiated and new payment terms were agreed upon with all of my creditors. XXXX XXXX  Credit has continuously accepted payment and has agreed to new payment terms, yet has marked payments late each month for the past year. Each time I attempt to reach out to XXXX XXXX via telephone, I am told that they have no record of my calling, of my credit counseling program, or of the new payment terms. I have exhausted all efforts of attempting to resolve this matter myself and would like for all late payments to be removed from my credit report immediately.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Genesis Lending (PA)

Back a few months ago I saw a charge on my account that I did not recognize. I contacted the company because I thought the charge was fraud. A few hours later I found out what the charge was from, and called back to let them know all was well, and it was not fraud after all. They still conducted a fraud investigation. My account was locked. I could not access my online account. If I called their customer service number, their system could not locate my account with my account number or my social security number. My account was non existent in their system, so I couldn't even make a payment. That didn't stop them from harassing me and putting a late payment fee on the account that didn't exist. 

I did eventually make a payment by phone, for an amount that I could not afford. But the mishandling of that incident, and finding out that the interest they are charging me is illegal in my home state of Pennsylvania caused me to want no more to do with them. 

Of course the harassment continues. I also find it interesting that their number shows up on my caller ID as spam risk. They were calling daily, which I also believe is illegal. On XX/XX/XXXX of this year I spoke to a representative and formally requested that they no longer contact me. 

Today, at XXXX XXXX, they called again. That is more harassment.
Consumer complaint received 2022-01-09
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. (TN)

On XX/XX/XXXX, I sent a letter via certified mail with copies of documentation received from XXXX XXXX regarding the removal of a Bankruptcy that was reported in error. I never received a response from anyone at Equifax to correct the matter. I sent another letter on XX/XX/XXXX following up because the tracking on the letter said it was signed for and received and we are now into XX/XX/XXXX and they still have yet to respond to my inquiry or launch an investigation after I have provided proper documentation.
Consumer complaint received 2021-11-03
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. (MN)

Experian is the worst of the 3 major credit bureaus. Who the heck has time to rely on snail mail when attempting to remove a freeze? It's IMPOSSIBLE to get through to a live agent on the phone. And, even with my latest PIN, attempting to use their online : https : //www.experian.com/ncaconline/removefreeze # registration it's impossible to get verified ( even though I know all of my information is correct ). 
What the heck is wrong with this company and what is the CFPB going to do about it? 
I think this is the second time in the past year or two I have submitted a complaint. 
Please look into Experian. They are damaging the US Economy and Consumers through their unfriendly practices.
Consumer complaint received 2022-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CA)

SOUTHWEST CREDIT SYSTEMS XXXX XXXX XXXX SUITE XXXX XXXX, TX XXXX ( XXXX ) XXXX has placed a fraudulent account on my credit reports.
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX I wrote XXXX XXXX XXXX XXXX a letter to ask for a copy of a 1099 because the above account is charged off. This is not a refusal to pay but I believe that XXXX is in violation of the FCRA and FDCPA because I received a letter from XXXX in response to the 1099 and they responded by saying that the account was charged off in XX/XX/XXXX for {$14000.00}. The problem is they have continued to add charges to the account to now make the balance owed to {$16000.00} according to the Experian credit report that was pulled. I have two other accounts that are charged off with different companies and the balances have not increase after being charged off. I don't understand why the balance of this XXXX continues to increase an estimated XXXX dollars a month.
Consumer complaint received 2019-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CARMEL FINANCIAL CORPORATION, INC. (TX)

After reviewing my credit report ongoing .. There's a collection Agency. CARMEL FINANCIAL. A Balance of {$5000.00} ... Opening date XX/XX/2016. That's continuing to appear on my credit Report ... It was once remove due to Fraud.. And it has now appeared back.. And it's showing in good standing right now, with 3 late payments. i don't care if the account is showing in good standing!!! it does not belong to me and I'm not about to be liable for it. And it's a severely old account ... Police Reports has been sent in to them and all of the Credit Bureau 's to have it remove ... This is Really starting to be a pain!!!! .. Because what they are reporting is not accurate and it's Fraudulent.
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Omega RMS, LLC (FL)

No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2020-07-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (AZ)

My mortgage was sold several times. XXXX  XXXX XXXX during the housing crisis had to go through the process with me then they sold my loan. It was sold again, and I was with. XXXX XXXX, and then XXXX XXXX XXXX  who completely botched the loss mitigation process ( my place of work laid me off before closing its doors ). I complied with all of their requirements within 1-2 days of request ( I have dates and recordings of calls and emails to support my claims ). I repeatedly called them, as they did me as well, however, the agent on a couple of occasions had to correct the record on their end as she saw my documents were in. She told me that shes was just waiting on approval from underwriting. At the time I had a foreclosure date. I understood that that would stay until my loss mitigation paperwork was approved by underwriting. Well, they sold my loan again, and I didnt know until my house was sold at auction. The company that bought my loan was Selene Finance. They did not wait the required number of days after buying the mortgage from XXXX XXXX XXXX, that is required by law, before they sold my house at auction. I didnt know about Selene, until I received a notice in the mail about my mortgage being sold to them, I called and they said they sold it at auction days before. I of course contested, filed complaints, etc. My evidence showing my compliance with their requests, the fact that the Arizona Department of Housing, the various federal regulations in place at the time, werent regarded. I didnt have an attorney, and I believe this is a systemic possibly discriminatory practice of selling off homes of distressed minority, or female homeowners in distress. I would be very interested to see if this is a common practice for mortgage servicers like Selene Finance and XXXX XXXX XXXX, playing the shell game with peoples homes. Telling them that they qualify, running out the clock, and selling the home from under the homeowner. I had just had a {$6000.00} air conditioner put in. Would I do that if XXXX XXXX XXXX  had given me ANY indication that my house was still slated for auction. They tell you to ignore that date ( XXXX  XXXX XXXX did it tooL but isnt that dual tracking ... also an illegal foreclosure practice? The fact is, my documents and their documents show that they 1. Did not process my paperwork according to federal guidelines ; 2. They did not process my paperwork or give me an answer to my loss mitigation request in a timely manner ( I had offers on my home, but wanted to stay if approved ) ; 3. Pertaining to Selene Finance, they took action ( the auction ) BEFORE waiting the lawfully required number of days after receiving my mortgage ; giving me, the homeowner, an opportunity to enter the loss mitigation process with them, sell, short sell, etc. I want to know what my rights are, and I would like the mortgage companies/servicers held accountable to the law. I know I wont be getting my house back, but there are material damages that if at all possible, I would like addressed.
Consumer complaint received 2020-01-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EarnUp Inc. (IA)

I was reported 30 days late for my XX/XX/XXXX monthly payment to the Credit Bureaus. My monthly payments are automatically taken out on a semi-monthly basis by a third party company now known as Earn Up. Our XX/XX/XXXX payment was withdrawn from our account on XX/XX/XXXX and XX/XX/XXXX.  However Earn Up had a problem and they were not able to forward our mortgage payment over to XXXX. Earn Up made no effort to contact me regarding the issues. I did not know that XXXX did not receive our XX/XX/XXXX payment until XX/XX/XXXX when we received a letter. 

I have made several calls to both Earn Up and XXXX to get this corrected. XXXX needs documentation from Earn Up stating it was an error on their end that our XX/XX/XXXX payment was not submitted until XX/XX/XXXX. I have called Earn Up on the following dates and each time they say they will be sending a letter to XXXX but they never have. 

XX/XX/XXXX Called Earn Up XX/XX/XXXX Called Earn Up XX/XX/XXXX Called Earn Up XX/XX/XXXX Called Earn Up Earn Up never made an attempt to contact me to inform me that there was an issue with our XX/XX/XXXX payment. 

My issue is with Earn Up not XXXX It is not my fault that my XX/XX/XXXX payment was late and I'm paying the consequences for it.
Consumer complaint received 2021-11-06
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: HEARTLAND PAYMENT SYSTEMS INC (NJ)

All federal debt payment has been pushed to XX/XX/2021. 
Now i getting calls and emails and letters about how i need to make my repayments now, there was agreement on how I would repay. 
I apparently get informed that I am missing a payment, even they never contacted to establish a repayment plan
Consumer complaint received 2021-08-17
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)

After noticing some missing and inaccurate data on my credit file. I faxed in an investigation request on several occasions. This is the attempts I made XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX and I mailed on XX/XX/XXXX. I got no response to any of them. I will attach the latest letter on XX/XX/XXXX since I have gotten no response and the failure to investigate the accounts should be removed or updated.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (GA)

I have paid a settlement offer to Cardmemeber Services for my US Bank, Cardmemeber Services Account. I received a letter from the company advising me my credit report would reflect a XXXX   balance. However, to date my credit file still reflects a past due balance. I have made several attempts to contact both the company and XXXX to have this infomation updated. Although, the credit reporting agencies of XXXX and XXXX report the balance correctly as XXXX. XXXX refuses to update the account balance after I have submitted four disputes.
Consumer complaint received 2021-09-10
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: CBC Companies, Inc. (AR)

MY XXXX XXXX ACCOUNT IS OPEN AND I HAVE BEN MAKING PAYMENTS, THIS ACCOUNTT IS REPORTING IN BANKRUPTCY.
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MS)

I was denied by Synchrony bank each time I have applied. They provided reason for reject incorrectly and vague why I was denied. I feel the denial is not based on my credit but my XXXX and past experience. I had cards with Synchrony Bank but all the accounts were inherited by them where I applied to another bank and Synchrony took over the credit accounts. I paid the accounts off and the bank closed the line because I wasnt using them.y balance wasnt lower only closed.
Consumer complaint received 2019-06-11
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. (NY)

My name is XXXX XXXX my social security number is XXXX XXXX XXXX date of birth XX/XX/XXXX their a negitive account from XXXX XXXX that shows 60 days late. That account is not mine it.s a fraud account. Also theirs another account from XXXX XXXX XXXX XXXX a loan account thats not mine .can you please have Equifax removed these accounts from my credit report. And also their 12 fraud hard inquiries. And they refused to remove them.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have been a credit card customer of Bank of America for approximately 26 years. Due to some financial difficulties that lowered my credit scores about 13 years ago my credit limit was reduced to {$900.00} and never has been raised again naturally by your company over the years that I have been a loyal customer. I have never used all of that credit at any time for such a small credit limit utilization would hurt my credit. I have paid off each monthly statement on time and actually paid ahead creating a credit balance because the limit was so small as to not cause negative impact to my credit. A few months back I requested an increase of {$600.00} in my credit limit and was denied, then as part of my business I added a few authorized users to my account which I was allowed ( I heard I was even allowed 10 ) and as a consequence my credit card was closed by Bank of America without ever contacting me as to whether I had initiated the aforementioned changes to the account. When I questioned why the account was closed I was told I had to apply for a new credit card. I followed through with the application process only to be denied. I have had no derogatory information or late payment with your company. This is negatively impacting my credit scores and average age of accounts and number of accounts. I am planning on a home purchase and was going to you Bank Of America. I feel you do now appreciate out long standing history together. Is this accurate? At the time the account was closed there was a credit balance that has not been returned. I also received customer surveys after the account closure for valued customers like me. I do not feel valued. I have also included Texas Exes terms of conditions attached along with other supporting documents. Also I included my new Bank of America credit card that was seemingly sent after my alleged account closure. How i this possible. I believe the board of directors would be interested in this as would the attorney general of Michigan and supporting government agencies local, state and federal.