davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-25
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR (FL)

Im XXXX years old, XXXX and in a very difficult situation. I have no running water in my half repaired kitchen because my Reverse Mortgage Funding will not release the {$7800.00} of my insurance money. I had a flood in XX/XX/2019 and the insurance company paid {$11000.00}. The reason for not releasing the funds is because my mortgage is inappropriately if not illegally delinquent. 
According to my reverse mortgage agreement I make no payments. In XX/XX/2019, I filed Chapter XXXX bankruptcy in which my house was not included. When this occurred RMF contracted an attorney, which Im told was to place a lien on my house to protect the investors. I was always under the impression that the mortgage is a lien, in first position, on  the house. The {$650.00} attorney fee was charged to my line of credit which put my mortgage into delinquency. There was approximately {$55.00} in my line of credit in XX/XX/2019. No one can speak with me because my mortgage is delinquent and no one can tell me how to resolve this. This has been going on since XX/XX/2019. My contract for repairs states 60 % payment upfront and 40 % upon completion. To date, RMF has only paid my contractor {$3600.00}, owing him {$7800.00}. But, RMF wont release funds until the work is completed. I have no way of paying the {$7800.00} to complete the kitchen repairs and no way to borrow this money. And if I borrowed it, at this point Im not sure they are going to release the funds anyway. 

I have submitted multiple, often duplicate documentation from me and the contractor. When I call Im constantly transferred, put on hold sometimes more than an hour then disconnected. All these disconnected phone calls can not be a coincidence. I dont like to think like this and almost everyone is pleasant but something is just not right.

And to boot, Im paying interest on the negative money in the line of credit. If I lived to be in my 90s this may be thousands of dollars. 

This has been so stressful. It has affected my physical and mental health which is already compromised. I was scheduled for back procedures but they were canceled due to the pandemic. I have XXXX XXXX XXXX from washing my dishes in the bathroom sink. Its been a nightmare. I wish this on no one. 

I certainly hope that you can intervene and help to resolve the situation and have RMF release my insurance funds so my kitchen can be repaired and I can live safely. And I hope that you can review their procedures and prevent them from doing this to other  seniors especially those more vulnerable than me. Hurricane season is approaching, and if my windows or front door gets blown out, I dont want to go through this again and not have repairs done that were paid by my insurance but delayed because RMF is holding the money.
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (PA)

Experian does not look at any of the documentation I submit. They refuse to acknowledge previous CFPB investigations and will not process any of my disputes. I have tried numerous times to submit information, but because they did not look at the information the first time, I am no longer able to dispute anything. I am completely left in the dark as far as the investigations go. They give me no information. As soon as I submit a dispute, it is instantly ( within 1 minute ) resolved and closed! They never look at any of the information or even request data from the creditor. They just mark it resolved instantly and nothing happens and nobody looks at the files I attach. There dispute system is not compliant with the FCRA and they should be penalized for there blatant disregard to legally allowed disputes under the FCRA. They make it impossible to file a dispute. I have attached XXXX example of them being involved in a CFPB investigation but not doing anything and not doing what they said they would do. They refuse to look at information I have relating to companies fraudulently removing payment information to keep bad data on my report for longer than 7 years from date of first major delinquency. They do not remove items when they are supposed to fall off and you can not dispute them to get them to remove them when they are no longer able to be legally reported. They need to be fined for violating the FCRA for not processing disputes legally and fraudulently claiming they did everything required by law in under a minute. This is the only company that you can only submit XXXX dispute per account over the lifetime it is on your report regardless of the reason for dispute. They say you can, but there is no way to do it.
Consumer complaint received 2022-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2017-12-27
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. (NY)

my name is XXXX XXXX my social security number is XXXX date of birth XX/XX/XXXX address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ny XXXX. i call XXXX office of consumer affair several time to tell them that i have fraud inquires on my credit file from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX, i stated to XXXX that these hard inquires arent mine and please can you remove them off my credit file but their response is that they refused to remove them, please take action against XXXX thank you
Consumer complaint received 2016-08-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.
Consumer complaint received 2022-09-08
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. (ND)

I tried calling and resolving this matter with all 3 credit bureau and was not able to have any success with the credit bureau The listed item is entirely inaccurate and incomplete, and represents a very serious error their reporting the purpose of filing a complaint with the Consumer Financial Protection Bureau is to have you to do a fully investigation baring my signature I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), that the credit bureau may be liable for willful may result in a small claims action against all company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act The credit Bureau also stated to the CFPB that all information that i reported back in XX/XX/XXXX the information was not being reported on my credit report from XXXX XXXX XXXX and stated that i will be receiving another copy on my credit report but how is that true when i just uptrained another credit report my self and was sent out back in XX/XX/XXXX this is grounds for deletion and a violation of my rights I would like to have this via an online public press release all 3 credit bureau violated state law 15 U.S.C 1681 section 602 A. states i have privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reportion agency can not furnish a account without my written instructions please remove XXXX XXXX XXXX AND ALL XXXX LOAN as is it a violation to state law with the reportion that is being reported on my credit report
Consumer complaint received 2021-02-04
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. (MD)

I am being reported late by XXXX and I have never been 30 days late. I have been dealing with this for three months. This is affecting my life
Consumer complaint received 2017-12-27
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. (NY)

my name is XXXX XXXX my social security number is XXXX date of birth XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. i call equifax office of consumer affair several time to tell them that i have fraud inquires on my credit file from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX, i stated to equifax that these hard inquires arent mine and please can you remove them off my credit file but their response is that they refused to remove them, please take action against equifax thank you
Consumer complaint received 2017-09-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (GA)

Started recieving SSI benefits in XX/XX/XXXX. Direct Express is the company contracts with the Government to distribute these benefits. XX/XX/XXXX during a check of my ballance I discover a charge for {$39.00}. Called to dispute the transaction after viewing numerous consumer complaints on line about the company. After several attempts to resolve the issue it was recommended the card be cancelled and reissued. However in the online comments it was stated that this did not resolve the issue. Further, after being told the issue was resolved, consumers still faced the same issues. Supervisor XXXX of Direct Express hung up without initiating my dispute when I demanded the service be discontinued. 
I spent several hours just to get to that point to avoid the fraudulent practices and am not willing to go through it again.
Consumer complaint received 2022-01-07
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. (MA)

The following indicated on my Credit Report. I did not attempt to open this card. 

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX
Consumer complaint received 2019-10-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Receivable Management Services LLC (NY)

To whom this may concern. 

I am writing In reference to the bellow letter from RMS dated XX/XX/XXXX. 
This is the second letter I receive from RMS saying I owe you money for a plain ticket from XXXX and XXXX. I would like to inform you that I have already paid off this merchant in full and never disputed the plane ticket. I have emailed XXXX regarding this matter and they confirmed in writing the ticket was paid in full and there has been no dispute as you claim in the letter. Please see bellow email attached from XXXX confirming that the ticket was paid In full. 

RMS has no legal basis on this claim. I am concerned that you have my personal details which clearly I never authorised to provide them to you. You have violated the Data Protection Act of 2018 by sharing my personal information with third parties without my consent. Furthermore I would like you to stop sending me letters saying I owe you money when clearly I dont. 
If you continue to send me letters or emails I will consider this as harassment and will pursue a civil claim against you for fraud, extortion, violating data protection act and harassment. I will be making a report to the consumer financial protection Bureau for fraud against you.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CONGRESS COLLECTION CORP (MI)

A medical bill was sent in error by my provider, XXXX XXXX XXXX to XXXX XXXX. 
There was a miscommunication between XXXX XXXX XXXX and my Insurance carrier regarding billing codes that was in the process of being sorted out when it was accidentally sent to collections. XXXX XXXX apologized for the error ( it was an honest clerical mistake, they have been very professional ) and suggested I notify Congress Collection who handles their collections and explain the situation. They assured me that Congress would pull the account back. I notified Congress Collection immediately. I was encouraged to pay the outstanding balance now even though it was still being sorted out between insurance and provider so that when it was removed, it would not be re-reported the next month all over again. It was suggested that if the final bill ended up being less that the full amount that maybe I could turn to my insurance carrier for reimbursement. I ( naively ) went ahead and paid the account through the website and immediately called back to report my payment and confirmation number and asked when I could expect to see it removed from my credit reports. I was flatly told, " Oh, we never remove items from a credit report. '' I. WAS. LIVID. It was the absolute opposite of what we discussed. So not only was this entire account sent to collections in error to begin with but I paid it upfront as the Congress representative suggested so that once removed from my reports it would not be re-reported. I have disputed the account numerous times and yet they refuse to remove the account ( that was not even supposed to be there in the first place! ) I reached out to XXXX XXXX XXXX and they apologized for the ongoing issue and sent me an official letter for both XXXX  and XXXX  requesting the account be removed from my trade lines once and for all. I simply want this account removed from my credit reports. It is the one and only negative account on any of my reports, was added in error and even the original creditor has written a statement asking for it to be removed. 
Thank you.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

I would like to file a complaint regarding the fact that Equifax, a company that uses my personal information without my direct permission and then allowed it to be compromised through their lax security measures, has now charged me a fee to take the step of protecting myself and freezing my own credit with their bureau. The fact that they are profiting off their own data breach is outrageous. 

I froze my credit on XXXX XXXX, XXXX and paid {$10.00} via credit card. I would like to receive a full reimbursement for the cost of this credit freeze.
Consumer complaint received 2021-10-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: Lending Club Corp (CA)

On XX/XX/2021 I received several emails to my personal email from LendingClub bank about a high yield savings account that was opened under my name. I contacted LendingClub bank and a account was opened in my name. I changed all passwords to emails and contacted XXXX to report this fraud. I also contacted LendingClub bank and closed the account.
Consumer complaint received 2017-12-27
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. (IL)

On XXXX XXXX 2017 phoned in to all three credit reporting agencies to request investigation of accounts that are being reported that do not belong to me and all 3 have not processed the request. Have not received an investigation results this request has been made every 45 days in writing or by phone calls the following accounts do not belong to me : XXXX XXXX XXXX # : XXXX, XXXX and XXXX # : XXXX
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (MO)

When I opened my credit card account back in XXXX. I was promised XXXX miles. I only received XXXX miles. I just traveled to XXXX last week and I heard the flight attendants advertising the same promotion of XXXX miles for opening up the same credit card. So I took the same application I filled out in XXXX. I have it here in front of me. Sure enough in the fine print, it says I am to receive XXXX miles after a net purchase is made within the first 90 days of your card account open date. Ive talked to both Barclays and XXXX XXXX. They both refer you to the other and point the finger at the other. My wife and I both heard the flight attendants say XXXX miles on both our XXXX flight ( when we opened the credit card account ) and our flight this month. To take it a step further, XXXX is advertising XXXX miles on their in-flight entertainment and on small billboards inside airports. I will enclose pictures I have of their advertisements and what is printed on their credit card applications.
Consumer complaint received 2017-12-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.
Consumer complaint received 2017-09-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I am a navy federal account holder I just saw that navy federal had to pay out a class action law suit for locking accounts and threatening to go to the commanding officer I was just wondering because this happen to me numerous time and I just paid my loan off last week and I want my piece of the pie too.Everytime I call navy federal to discuss the matter they put me on hold until I eventually hang up.
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (GA)

No information given regarding 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 2017-12-27
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: Global Lending Services LLC (CA)

I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.
Consumer complaint received 2021-02-04
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Submitted a dispute with Capital One bank stating that the debt nor the address that was attached to the debt does not and has never belonged to me. The account was opened for XXXX $ In XX/XX/2018 please help me remove this from my credit report it is clearly inaccurate.
Consumer complaint received 2017-12-27
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. (GA)

I have tried several times to get the 3 credit bureau 's to get a bankruptcy off of my credit report, to no avail. I 've also tried to get XXXX XXXX updated on all three reports because it 's being reported incorrectly. XXXX is being reported twice as a primary and as a co-signer. I am the only signer on that loan and it was included in the bankruptcy.