davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I was recently went to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I got in contact with Federal Trade Commission and police. I need your help. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX XXXX.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank - The only creditor I have that decided to randomly check my credit during COVID did so twice in a 5 month period. XX/XX/2020 decreased my limit from $ XXXX to {$4900.00} claiming my credit score dropped to XXXX when in fact my score in XX/XX/2020 was XXXX. A second time, XX/XX/2020 decreased my limit from {$4900.00} to {$4200.00} this time claiming it was because I had no real estate. 

They did not reach out to me to tell me prior, they did not reach out to see if I needed assistance during COVID like every other creditor I have. Instead, they decreased my limit, which as we all know negatively impacts my score. 

Today, while going through my account, I notice another fee of {$240.00}, I come to find out they are late fees, however I have never been more than a few days late, and that is mostly because a weekend could have passed and my bank didn't send it. Apparently, they offer no grace period, which is completely absurd considering I also always pay more than the minimum payment so that I have it paid off before the interest kicks in. They never informed me of being late or that there were fees associated and that there was no grace period. Not even for a few days. That is completely unfair. They are personally hurting my credit and now basically stealing from me.
Consumer complaint received 2017-12-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (CA)

XXXX XXXX XXXX #XXXX****
XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Placed for collection: XX/XX/XXXX Responsibility: Individual Account Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY
Balance: $XXXX Date Updated: XX/XX/XXXX Original Amount: $XXXX Original Creditor: XXXX XXXX (Retail) Past Due: >$XXXX< Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: XX/XX/XXXX

This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX. The Debt is being reported by the original creditor and the debt buyer at the same time. It is also being reported inaccurate as per information sent due to the dispute with XXXX by XXXX.
Consumer complaint received 2020-12-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have been sending letters to the credit bureaus for months to correct the misreported accounts on my credit report and have NEVER received a response from them. 2 months ago I filed a complaint with the CFPB for them to respond to me and even so, the credit bureaus continue to ignore me.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (LA)

I have been looking to all my credit reports and doing follow up and I have some inaccurate information. My current and accurate address is XXXX XXXX XXXX XXXX XXXX LA XXXX I need properly update ADDRESSES to reflect my accurate information. Please remove the follow addresses they are not mine : XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Please delete this account from my file it was settle in full with the original creditor and I do not understand how it is listed as Paid collections when I paid the owner of this debt before it was in collections, Error please delete ASAP! XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

A conventional loan was started on my single family home in XX/XX/XXXX with XXXX XXXX. All payments were made to XXXX XXXX  on time. The loan was sold to Bank of America within a few months and this is where the problems began. After several modifications due to possible home loss, it was financially difficult to keep up with my loan. Although I was behind on several payments during the loan process, I continued to work with the bank and kept up with the loan payments as best I could. In XX/XX/XXXX, my loan was sold to a loan servicing company called XXXX XXXX  XXXX. I continued to ask Bank of America, who was the company and why was my loan sold but they replied, you must talk to XXXX because your loan is no longer with us. I received the new paperwork in the mail but no one could explain the paperwork to my satisfaction. I continued to make payments to XXXX and I'm pleased to say I haven't missed a payment and I'm up to date. Throughout the long fourteen years of making payments close to {$1000.00} per month, one would think I would've paid at least half my home off. Instead, I'm left with owing {$150000.00} on a {$170000.00} original payment. So can you help me by contacting each lender and explain how my money was spent and ask them ( XXXX XXXX, Bank of America and XXXX XXXX  XXXX ) to send my refund to me.
Consumer complaint received 2021-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center (CT)

XXXX XXXX with PREMIER STUDENT LOAN CENTER emailed me for months about my payments of {$230.00} and {$40.00}. When I looked at the news and realized this company was getting sued for fraud the emails from XXXX stopped. I want to know what I can do to receive my money back as I need it for my masters.
Consumer complaint received 2020-08-31
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. (FL)

I HAVE REPEATEDLY CONTACTED THE FOLLOWING COMPANIES ... 
XXXX XXXX XXXX XXXX AND XXXX XXXX ALONG WITH THE CREDIT BUREAUS TO HAVE THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT OR TO HAVE DOCUMENTATION WITH MY SIGNATURE SENT TO ME SO I CAN REVIEW THESE ACCOUNT EACH COMPANY HAS REFUSED TO SENT ME ANYTHING.
Consumer complaint received 2019-11-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

My loan was sold to Mr. Cooper, formally NationStar Mortgage Company. On XX/XX/XXXX, I inquired about removing PMI on my account. After terrible customer service on XX/XX/XXXX we were told that our PMI would be cancelled. We noticed that we were continued to be charged for PMI after the time of the letter and on our recent Escrow analysis PMI was factored back into the payment of future escrow balance. When I called the company on XX/XX/XXXX they stated that the cancellation letter was made in error and we are still paying PMI and that it can not be cancelled with out completing a costly appraisal in order to verify the value of the home. We purchased our home in XX/XX/XXXX and have paid well over $ XXXX off of the original loan. It seems unreasonable that a company would send a written confirmation of cancellation however not reach back out to us with a retraction letter. As of XX/XX/XXXX the letter was still available for download from our account information but no further communication of such error is to be found on the website or notated in a visible fashion on our account. This company has been awful and unreasonable to work with.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (LA)

I have been looking to all my credit reports and doing follow up and I have some inaccurate information. My current and accurate address is XXXX XXXX XXXX XXXX XXXX LA XXXX I need properly update ADDRESSES to reflect my accurate information. Please remove the follow addresses they are not mine : XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Please delete this account from my file it was settle in full with the original creditor and I do not understand how it is listed as Paid collections when I paid the owner of this debt before it was in collections, Error please delete ASAP! XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-10-18
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX XXXX XXXX, TransUnion ) and the Creditors ( 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 ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2020-11-17
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. (CA)

I wanted to reach out to resolve an issue with a recent credit inquiryon my accountwithout my approval by XXXX  XXXX  XXXX  before I reach out to the credit bureaus and CFPB ( https : //www.consumerfinance.gov/ ). While I am out shopping for a mortgage, I have never applied for a loan with XXXX XXXX  nor did I authorize a credit check by this lender. 

I want you to be able to resolvethis for me at the earliest. This is outright identitytheft by your company and I want to make sure I reach out to you before I take further actions. 

XXXX XXXX  XXXX, XXXX XXXX. 

XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have written to TransUnion to dispute an XXXX credit card whose late payments listed on my TransUnion Credit report are over 7 years old beyond the time period allowed to exist on a credit report. Further I did also file a dispute withe XXXX  and with XXXX  on the same  information and that information and the record has been deleted from those credit reports but TransUnion still shows them on the report. I went to file a dispute online and their website will not allow an online dispute and only allows disputes by phone or by mail. They are the only credit company now reporting this information which is highly inaccurate beyond the legal time frames for reporting and making it so difficult to even file a dispute. Including when checking on the written I sent in they say they have no record of any disputes. They are completely disorganized and their records are not put to date.
Consumer complaint received 2021-10-18
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: Experian Information Solutions Inc. (NY)

I have been disputing the inaccurate information reporting in my credit reports for the better part of the last 2 years. Over the last 2 years I have yet to receive one letter from Experian, XXXX, or XXXX  about the results. According to the FCRA, the credit bureaus are obligated to respond to all of my dispute requests but, they have been ignoring me!!!! This is a violation of the law. I want the credit bureaus fined for this fraud and the removal of the incorrect information from my credit reports!!!!!!!
Consumer complaint received 2020-08-31
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. (AL)

I submitted my proof of identity as well as a request to correct my name and address that is reporting on my credit profile XX/XX/2020. I have not received a response back within the thirty day period. I am demanding that the items be removed off the credit report at once they are fraudulent and inaccurate.
Consumer complaint received 2019-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Early year 2019 to present I've been working disputing an item on my credit report that I have no knowledge of ever having. I have asked for specific documentation, validating my signature that I owe this debt to this collection agency. Each time on their response they have failed to provide supporting documentation to me as requested and illegal marks my credit report as verified information which has not been verified.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (NY)

Chase does not have the ability to close one 's account on their website ( or it is hidden ). It is not a menu option at their phone number. It is all but impossible to contact a person at the phone number.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OK)

I am currently working to improve my credit score so I can be approved for a VA home loan, and buy our first home for my family. I have accounts with the three major credit bureaus, so I can monitor changes to my credit scores and reports. On XX/XX/2019, I received a notice from Experian credit bureau advising my credit score and rating decreased. My Experian credit score decreased by 17 points. I contacted Experian customer service on XX/XX/2019 to ask what caused my credit score to go down 17 points in a 30 day time period, so I know what to avoid in the future. I spoke with two different Experian customer service representatives who both said the only activity on my Experian credit report in the 30 days prior was a negative item was removed and I paid my credit card balance down a little. I confirmed that both activities were positive and they both agreed. One of the representatives tried to say it may be  caused from a late payment made in XX/XX/XXXX. I reminded her that this decrease happened in the last 11 days because on XX/XX/2019, my score increased 10 points. Both representatives stated they could not see any reason for the decrease, but both stated they were not qualified to tell me a reason for the decrease. I asked to speak with a supervisor and was connected with an Experian customer service supervisor. The supervisor stated the exactly same information that both representatives told me. Including that she was not qualified to help me and that no one at Experian was, so I would need to call a credit counselor. I advised the Experian customer service supervisor that I have already spoken to one of the paralegals who are advising me of the proper steps to repair my credit, and was told to call Experian. The supervisor told me to call FICO.

I called FICO, and the customer service representative at FICO advised I needed to handle this with Experian because they are the credit bureau who lowered my score, and the people at Experian are the only people who can fix the mistake.

I called one of the paralegals assisting me in repairing my credit and advised her of what I was told at Experian and FICO. The paralegal took another look at my credit report and said she could see no reason for the 17 point decrease of my Experian score. She also said that this is a common problem at Experian.

For someone trying to repair his credit, 17 points either direction on a credit score can be life changing. I have seen steady increases to my credit scores from both of the other two major credit bureaus. But my Experian score has been decreased, seemingly without cause. I do not believe a reduction in my credit score without a reason, complies with the fair credit reporting act.

Any assistance you can give me regarding Experian 's unwillingness to explain my credit score decrease is greatly appreciated. 

XXXX XXXX XXXX
Consumer complaint received 2020-11-17
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. (CA)

On XX/XX/2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XXXX XXXX, 2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. I requested for a reinvestigation as my right under FCRA 611 and on XXXX XXXX, 2020, Experian did not delete as requested and just updated the accounts for XXXX XXXX XXXX As relevant proof I disputed these XXXX  XXXX XXXX accounts with XXXX  XXXX since XXXX  had a different name reporting along with my other personal information, as a result XXXX  deleted the erroneous XXXX  XXXX XXXX XXXX from my credit report. I believe I have become a victim of Identity Theft. I have attached copies of my XXXX  credit report.
Consumer complaint received 2019-11-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Experian is reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number *XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that reflects a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this item however, I have not been successful.
Consumer complaint received 2021-04-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: 2288984 Ontario Inc. (TX)

Received a stern message from a debt collector @ XXXX with personal information shared ( XXXX ) stating this was a warning & if I did not return the call my employer would be contacted & legal action would be taken against me. The caller gave my full address & stated I would be served but must provide photo ID & wear a mask. Others in my family also received the same message. I have no idea what this is in reference to & do not appreciate the threat. If money is truly owed, send me a bill!
Consumer complaint received 2020-12-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (TX)

I have been living in XXXX  for 4 years now and on XX/XX/2020 a collection was placed on my credit reports for a debt the debt collection that was opened XX/XX/2020. I have NO KNOWLEDGE of this debt nor was I given the due process/right to dispute this debt I know NOTHING about. Like I said I have been in XXXX for 4 years and this is a debt from XXXX. I have no information on what information that clearly MATCH mines, make this my bill, or when this bill/medical visit was made because the information clearly states 2020 and I have NOT had any doctor visits in XXXX. I have absolutely NOTHING. They failed to send anything to me so I could have disputed this debt in a timely matter.
Consumer complaint received 2020-12-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Dear Sir/ Madam, I had a loan with SunTrust Bank . 
My loan number was XXXX. The bank used to collect and pay on behalf of me Hazard Insurance and Property taxes. 
I sold my house on XX/XX/XXXX. and supposed to get remaining balance of unused amount of the Hazard Insurance.

I spoked numerous times with SunTrust bank XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX without result. 
I spoked with Mrs. XXXX, XXXX XXXX, XXXX XXXX, all those personnel, refusing to send my money back. 
The bank is still holds my refund of {$100000.00}. 
I need help! 
My name is XXXX XXXX email : XXXX Phone : XXXX
Consumer complaint received 2021-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

About 9 months ago i start sending certified letters to Trans union XXXX  and XXXX disputing collections to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and only XXXX  and XXXX  delete this accounts with a balance of XXXX and XXXX dollars wich this 2 companys are reporting on my Transunion Credit file in violation of the law