davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp (FL)

Attached is the most recent tax bill for XXXX issued by XXXX XXXX XXXX Collector. It states please contact your mortgage holder to confirm payment will be made. If paid by XX/XX/XXXX the amount due is {$3000.00}. Upon log in to my account at Union Home Mortgage on XX/XX/XXXX, the escrow balance is {$3200.00}. Therefore, there is enough in the escrow account to submit this payment in a timely manner. Confirm when payment will be sent.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I sent requests to update my address information on XX/XX/2018 and XX/XX/2018 as follows : The only addresses that relate to my past 7 years of residence is : 1. XXXX XXXX XXXX, XXXX, XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Also the name listed with the middle initial " XXXX   '' as XXXX XXXX XXXX. My middle initial is " XXXX '' and I have provided State and Government ID to prove this information, but it continues to appear on my credit report ( s ).
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$960.00}, {$7300.00}, {$300.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

4. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$300.00} -This is not my account.
Consumer complaint received 2022-01-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (CO)

I made a partial payment on the mortgage out of my 100 % service connected XXXX XXXX funds and was going to pay the last {$140.00} that I owed Cornerstone Home Lending when I got my Social Security funds in less than two weeks after I paid the other amount. I had just gone through the 14th time I had fraud and ID theft on my bank accounts and through email, XXXX, phone, and snail mail and everything was a big mess for me financially. This is because I was an intelligence officer in the XXXX and speak XXXX, and had an application to teach XXXX at the XXXX XXXX XXXX that was active when the Russian government hacked into the XXXX XXXX 's XXXX IT XXXX. 

The mortgage payment I made was refused and when I called to find out why, the customer service agent said they only accepted complete payments. Now I owe them money for their late fee as well as the mortgage payment I missed. I had to get help from our local social services office in our county, but the charity that is helping has not paid the overdue payment yet. 

I am making the complaint because this mortgage company will not help the borrower make arrangements to pay less than the complete payment or take a partial payment. Therefore they make more money off the borrowers through charging extra fees and it is easier for them to foreclose and kick the borrowers out of their houses. 

Certainly this should be illegal and the US government should do something about this!!! 

It
Consumer complaint received 2018-02-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC (WI)

I have been receiving phone calls and texts on a daily basis. Sometimes numerous times a day. I explained that I am laid off and receiving unemployment benefits that barely pay my rent. I have also asked them to stop contacting me. They have stated that I have received unemployment for a number of weeks and that I should be able to pay the loan. Which, as stated, is not possible since my benefits barely cover my rent. It's my belief that under federal law that when told to stop the contact, they must stop. However, they have continued to do so. I have blocked the calls and texts from being received from my phone. I have told them that I would pay once I return to work.
Consumer complaint received 2018-04-02
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. (WA)

I found out in XX/XX/XXXX that I had 10 accounts opened in my name and I'm in $ XXXX of debt, when I applied for a rental application, I'm currently XXXX due to this. In XX/XX/XXXX I opened a credit card with chase. This is the only CC I've had or applied for personally. I checked my credit report and sure enough I have accounts opened that I didn't open and at least one opened in another state I haven't been to since XX/XX/XXXX. I also have employment history for places I didn't work at and addresses I never lived at. I'm a XXXX and I haven't talked to my dad in over 20yrs, so I would assume that maybe some could belong to him or someone else with a similar name.I disputed with transunion. It's been over 30 days and there are still accounts that haven't come off.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Date : XX/XX/2022 Amount - {$25.00} Payment : Loan Agreement- {$520.00} Actions Taken : Dispute filed with the CRA - Transunion requesting that this CRA please provide statements and records of all payments made and missed since I opened/closed this account. Please reinvestigate this matter and if no such records are found and delivered to the consumer please delete or correct the disputed information as soon as possible. Thank you for your assistance. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX - Account # : XXXX Loan # : XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 604 a Section 2 : Also, states a consumer reporting agency may not furnish an account without my written instructions or consent.

15 USC 1666 b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-01-10
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. (TX)

Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, Experian, XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX but nothing has been done.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Company says they have not received any disputes from me.

I have copies of all the dispute letters, I also sent them copy of the report I filed on XXXX They tell me that the account is mine, and just say they have verified it. They have not provided any proof that the account is mine. Just that it has my name and address. 
They also claim that they have mailed me forms to fill out which I have never received.
Consumer complaint received 2019-11-13
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)

I am not sure how this works but I have defiantly got some bad infomation on my credit report. I do not recall having any of the following account on my credit report. I have never even heard of these companies : XXXX  XXXX  # XXXX XXXX  XXXX XXXX # XXXX**** XXXX XXXX XXXX # XXXX**** XXXX XXXX  # XXXX XXXX   XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX I would like to request that they send me a full account/application etc so I can go over theses accounts and get to the bottom of this.
Consumer complaint received 2021-11-09
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: U.S. BANCORP (IL)

I missed my first payment ever and paid it as soon as I found out I was late. I paid the entire payment on my card like I always have. I've had a credit card since I was XXXX ( now XXXX ) and have never missed a payment. US Bank turned my card off without telling me it was going to happen and even though they can see my payment processing they won't give me access to my card. 

I called into US Bank 4 times and have gotten 4 different answers. I was told I would be able to use my card and got the interest fee reversed since this was my first missed payment ( wasn't told I wouldn't have access to my card ). Then when I went to use my card I got denied even though I am nowhere near my limit. Called back in and they said yes your access has been stopped until the payment is processed they told me I would have access the next day. I have called in 2 more times after talking to my dad who was in banking his entire career and he said no I should have access to use my funds, now 2 different supervisors have told me 2 different things, one said I would have access today ( Day 3 ) and the other said nope not until tomorrow ( Day 4 ) and there is nothing they can do even though they can see my payment history and that I paid it in full. 

Because they took my access away to use my credit card without telling me : no email or notifications on my account, I am now behind on other bills for my house and business. 

This is not the first time they have randomly turned access off to my card, I was trying to purchase something and US Bank marked it as fraud, but never messaged/contacted me to check even though I signed up for those alerts. 

The rep today told me it wasn't US Bank 's fault that I wasn't getting the emails or notifications, it was all my fault or my email providers, however, I checked my junk, deleted, and inbox and the only email I have from them is my monthly statement ; nothing about fraud or that I wouldn't have access to my account.
Consumer complaint received 2019-11-13
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. (GA)

A joint vehicle loan was paid off on full as a trade in by the 1st/ main account holder in XX/XX/XXXX. I had filed bankruptcy in XX/XX/XXXX and it was closed on XX/XX/XXXX. The credit reporting agencies report has incorrect info as it being included in Bankruptcy and a last activity year of XXXX. I have disputed this multiple times with no correction.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-29
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-10-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (LA)

In XX/XX/XXXX we moved from our home in XXXX to XXXX. We still own the home in XXXX and planned to use the home as a rental property.On XX/XX/XXXX our our homeowners insurance was canceled by XXXX XXXX XXXX. At that time we, the homeowners were never informed, but Mr. Cooper home Loans the lender for our mortgage was informed but failed to let us know. In XX/XX/XXXX, when our homeowners insurance was up for renewal we were informed of the cancelation in XX/XX/XXXX. In XX/XX/XXXX, Mr Cooper informed us since our policy lapsed we would need to purchase insurance to cover  XX/XX/XXXX through XX/XX/XXXX. I attempted to do so but was informed by my insurance agent that it is against the law to back date a policy and provide a policy for coverage that they did not provide. I informed Mr. Cooper of this and was told that they would then take out a policy in my name through their company to cover the lapse in coverage. They just sent me a new homeowners policy costing {$1200.00} and stated I would have to pay for this policy which has been purchased without my consent and would be back dated to cover XX/XX/XXXX through XX/XX/XXXX.
Consumer complaint received 2018-02-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I Am Requesting An Itemized And Audit Report On My Account With XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX Because The Fund's That I Have Paid Is Not accounted For And My Account Balance Is Not Accurate
Consumer complaint received 2021-02-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Were in the process of refinancing our home mortgage. There is a pre-existing, zero-balance HELOC that the new lender is seeking to subordinate to its loan. I have contacted my bank, HSBC, and was advised by its Special Loans group ( approximately XXXX2021 ) that the only way to get that done was to email XXXXXXXX XXXX to request that it be done. I made repeated requests by email with no response. Ive supplemented that with calls to the Bank itself, who, no surprise, disclaims any ability to do anything. 

The refinancing is important to my wife and me, and this lack of accountability and responsiveness can not stand. Appreciate any help you can provide.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OH)

XXXX XXXX keep saying they are reporting correct information about my XXXX account, ending XXXX. XXXX is NOT reporting correct information. My XXXX report has my account status and payment status as, collection charge off. I do understand that was the case then, but that is NOT the case now. This collection has been PAID in full. Also each month since the charge off has been paid in full, they are still porting payment status as Collection. Im trying to be professional about this and not use foul language, but this is XXXX me the XXXX OFF that thy can not update the current account status and payment status. I know what section 609 states and I know if sates they much report accurate information, but in this case they are state because my payment status each month still reports as a collections, which is not in collections any more since it was paid in full in XXXX. They account status should reflect PAID COLLECTIONS, no where on my report does it reflect it account was paid
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: DISCOVER BANK (PA)

Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. XXXX/XXXX  {$1100.00} DISCOVER FINANCIAL SERVICES {$820.00}
Consumer complaint received 2018-02-07
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: EQUIFAX, INC. (CA)

On XXXX.XXXX.2018 XXXX the security company did a hard credit check on my credit worthiness regardles of the fact that I did not reques an XXXX  installation for myself and I gave my conyact information just to facilitate the scheduling for an estimate for one of my clients. I gave the client name, address and phone number to the XXXX rep and I only gave my name and phone number just so I can be present and open the house for the XXXX technician that came for the estimate. I was not asked or advised by XXXX about this credit check. 
I called today XXXX and told them about this mistake. They appologized and refered me to their Escalation Department to help fix this mistake and remove the inquiry from my credit file
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (WA)

I received a mail solicitation from KeyBank, offering a {$500.00} credit if I opened a new checking account that would receive a single direct deposit of {$500.00} or more. 
I opened the account on XX/XX/XXXX, and the first ACH deposit ( from my employer ) was in the amount of {$1000.00} on XX/XX/XXXX ( my first pay date following opening the account ). Subsequent ACH deposits have followed. 

The specific commitment made was " Your gift will be deposited within 60 days of meeting requirements '', which requirements were met with the XX/XX/XXXX deposit. 

I have repeatedly contacted the bank, been promised action, and they have failed to complete the crediting of my account, without explanation. 

The specific offer code was XXXX, which was supposedly encoded into the account when I opened it.
Consumer complaint received 2022-01-10
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: GOLDMAN SACHS BANK USA (VA)

XX/XX/2022 : A lender named Goldman Sachs made a hard credit inquiry without my authorization. I had contacted a lender ( XXXX XXXX ) about a potential consolidation loan and the person on the telephone made a soft credit inquiry and then showed XXXX potential loan offers. He told me to click a button on my computer screen for Goldman Sachs and then told me that Goldman Sachs would contact me about a loan offer on Monday ( today ). I then received an email from XXXX indicating that a hard credit inquiry had been made to XXXX for my credit report. 

The whole process was deceiving and done to make me select a loan offer without explicitly asking me to authorize the access to my credit report.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is the second time in the past 6 months that TransUnion is not reporting the correct balance of my student loan. TransUnion is claiming that XXXX is not submitting the correct balance and XXXX is claiming that the fault is with TransUnion. Need assistance resolving because this is negatively impacting my credit score for the second time this year. Both institutions are passing the blame and the customer service is is appalling.
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (SC)

Experian In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.SC. 1681 Section 604 A Section 2 : it also site also states a consumer reporting agency can not furnish an account without my written instructions.