davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BERKSHIRE HILLS BANCORP, INC (NY)

I was on the website Im a victim of identity theft so I expected this to happen everytime I apply for a bank account they always require me to send extra verification to verify my identity because the system automatically declined me Berkshire bank I received a notice of adverse action letter but I dont have anything wrong on checystems no debts to other banks and the reasons on the letter didnt make sense
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX Your company responded to my complaint with the CFBP stating that the incorrect account from XXXX XXXX has been deleted. As of XXXX this incorrect account from XXXX XXXX is still reporting to my credit file as should be removed as soon as possible. I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I am distressed that you have included the below information to my credit file, your organization has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Under the laws of the FDCPA, I have contacted the collection agencies myself and I have not been able to get them to respond or to verify that the debt is indeed mine. The FCRA Requires you to verify the validity of the information you have placed on my credit file. If the validity can not be verified, you are obligated BY LAW to remove this item. There is a clear case of unverified debt here and I urge you to remove this item before I am forced to take legal action. My lawyer has advised me to file an FTC report, which I have done so. Our next step will be to bring this information forth to a judge in my area, while I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. The following accounts are the result of the XXXX XXXX XXXX which my information was a part of, I have attached legal documentation to this letter. I look forward to a fast turnaround.
Consumer complaint received 2021-03-03
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. (NV)

- in XX/XX/2020, I called XXXX Mortgage to notify them of my impending home sale to close on XX/XX/2020 but I had a mortgage payment due on XX/XX/2020. 
- they told me they would cancel the XX/XX/2020 auto payment and allow my Escrow to pay the full mortgage amount. 
- unfortunately, the buyers had to delay the close by XXXX week due to repairs to the septic system thus when the home finally closed, my payment was placed in delinquent status and reported onto my credit report. 

- I have called repeated times to XXXX Mortgage and have written to their XXXX department but they have rejected my pleas. 

- I was never afforded a 30 day leeway to resolve this issue. 
- I have never missed a mortgage payment in 10 years with XXXX Mortgage. 
- My XXXX XXXX plummeted and I need to get a loan to pay bills due to XXXX pandemic. PLEASE HELP!
Consumer complaint received 2020-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NJ)

I am an elderly woman that is a victim of fraud. I temporarily lived with my daughter and her roommate used our information and stole from us both. I have received debt communication trying to sue me. I am on a fixed income and never used credit accounts.Please help me.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I file a complaint with Experian about wrong information on my credit report. I got a reponse from XXXX that account was suppose to be removed back on XX/XX/22. Its still on my credit report with Experian. This needs to be removed as soon as possible. Its hurting me very bad.
Consumer complaint received 2020-08-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

I currently have a loan with cash call mortgage. cash call did not provide my note in the closing documents. 
Therefore, when I went to refinance my mortgage I could not complete the refinance without the note. I called cash call on several occasions and they promised me they would send the note. Finally, I realized this was done on purpose to keep me from refinancing.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MD)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2021-03-03
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. (TX)

XXXX XXXX is still based on incorrect usage %, incorrect balances and incorrect credit limit. XXXX has been submitted and they still have done damage by inaccurate XXXX XXXX.
Consumer complaint received 2020-07-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been requesting information from the three credit bureaus for months now and they do not respond. I have started in XXXX of this year and several request were sent to them. First one XX/XX/XXXX, second one XX/XX/XXXX third one XX/XX/XXXX, most recent XX/XX/XXXX still nothing! Now due to the covid XXXX I spoke with XXXX and they were extending my payment due to circumstances. They reported it as a 30 day late and when I talked to them they said I needed to contact the bureaus and that they will resolve it. Really I can't get the bureaus to respond since XXXX. Long before everything shut down.
Consumer complaint received 2020-08-27
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: EQUIFAX, INC. (MS)

I sent Equifax evidence of the frivolous accounts they are reporting on my credit report. 
Equifax refuses to properly investigate the errors being reported on my credit report. 

1. XXXX XXXX XXXX XXXX 2. Public Records
Consumer complaint received 2022-08-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMO Bank, N.A. (CA)

BMO Harris Bank has held my $ XXXX now for 40 days and my bank, XXXX XXXX XXXX has made numerous requests to recall my money but there seems to be an internal problem at BMO Harris Bank within the wire department. Someone in the department made a foolish decision to arbitrarily hold my check and transferred it into an account that was frozen so now my money has been frozen for 40 days. 

This means that my family member who was to receive my $ XXXX is suffering because I'm unable to help. Also the communcaitons between XXXX XXXX XXXX and XXXX XXXX seems to be a finger pointing exercise with me being the victim of their ineptness. 

I received an email yesterday that both banks want me to sign a letter of XXXX which is like pleading the XXXX to cover up a mistake that they are quilty of committing.
Consumer complaint received 2020-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (WA)

Upon finding the company EOS CCA reporting what appears to be a XXXX debt against me, I disputed this back in XX/XX/2019 since I did not know what it was for. It was only reporting to one bureau ( XXXX  ) so I though perhaps it was an error. 
when XXXX  claimed they verified the debt, I sent a letter to EOS CCA letting them know and requested validation of debt. I never did receive validation, only a collection notice. I then sent in another demand in XXXX and XXXX. Each time I only receive back a collection notice that does not provide me any type of proof or what is sufficient evidence of this debt. 
I am including the letters I have sent and the only things I keep receiving from them to show that these dont support proper validation of debt. I do not want to call this company nor should I have to considering I have made sufficient efforts to find out what this is. 
I can not understand how they can still report it and claim to verify this when they still dont show anything from original creditor etc. 
I understand request for validation is a lawful request and this company has failed to comply.
Consumer complaint received 2020-08-27
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. (NJ)

I received XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, NJ. Before going there, I checked that they took my medical insurance ( XXXX ) and that I had covered by deductible ( {$2000.00} ). XXXX told me that they never filed a claim to be paid. 

Historical Info Original CreditorXXXX XXXX - XXXX Contact Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 4 months later, I received a bill from a collections agency called XXXX  XXXX saying that I owed $ XXXX.they reported this and it decreated my credit score from XXXX to XXXX. 
I disputed the issue via Experian and they were basically useless. Here is what Experian sent me as the results of the dispute : " Account previously in dispute - investigation complete, reported by data furnisher. Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/2020. '' A few months ago, i was in the process of buying a house and I couldn't be in the loan because of this issue.
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. I do not understand why they are abusing consumers XXXXThis 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 XXXX more than 21 times. XXXX 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

Back in XXXX, we were looking at moving companies. I authorized a down payment for a moving company to book the service and lock in the rate. Come to find out that they lied to us and doubled the price. We told them we weren't going to be doing business with them and they charged the card for {$1000.00} without our consent. I brought it up to Citi and for MONTHS have been bounced around to different departments but they refuse to help me. The response I got was " you gave your card number to a company. You therefore authorized them to use your card for their transactions even if you didn't sign off on this charge. '' That's completely unacceptable and insane to think that they can charge my card for whatever amount they want without my consent and it's okay because I 'gave them my card number '. That's exactly the definition of a unauthorized charge. Citi has refused to escalate my dispute further and refuses to help me with this transaction.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (KY)

The car lot i traded my vehicle too over the past couple years has ran my credit multiple times. 8 times within one week. They just ran it again XX/XX/XXXX without my authorization. I have never had a missed payment or high utilization. My credit score has dropped tremendously due to XXXX hard inquiries when i should only have 3-5 if that.
Consumer complaint received 2021-02-10
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: Marlette Funding, LLC (GA)

I have sent XXXX, XXXX  and Best Egg letters to clear up this account thats in error. But to no avail. This account has been re-aged because there are three different date last active? and only one bureaus has any payment history? 

This account is reporting errors that seem suspicious how can you have different date last active? and date of last payment when the account is supposed to be charged off? Best Egg and or the credit bureaus are re-aging this account which is a violation of my rights. XXXX  and XXXX has been reporting this wrong information every month since I found out about this account which is horrible and I need to understand how they can do this to me?
Consumer complaint received 2020-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

I have been on a bi-weekly automatic draft from my bank for my mortgage payments to Fay Servicing XXXX. for several years. In XX/XX/2020 I requested for a deferral of my mortgage payments until XXXX due to reduced household income due to covid19. The company approved the deferral except that after wanting to start making bi-weekly payments in XXXX like I had done before, each agent I contacted gave me different info about how to re-start the process. Long story short, I have had to call 4 or 5 times, sent the application forms 3 times by email as they had requested ( although a few of the emails were deleted before even being read, since I had requested email read receipts ). So because of all the erroneous info I was given by different reps about he requirements of getting back on a bi-weekly schedule and what boxes to check on the form and what date ( s ) to write and when to send it, etc., etc., I have had to make a FULL mortgage payment for the month of XXXX, and now I have to pay ANOTHER FULL payment for XXXX, which this is a big hardship for me, because even though my household income hasn't improved much, I am still making every effort to get back on making my mortgage payments like before and bi-weekly payments are the only way I can manage to do that, but Fay Servicing can't get it right and keeps giving me the runaround. This month I am going to be behind on my other bills again because of Fay Servicing lack of transparency and misinformation and horrible customer service, etc., etc.
Consumer complaint received 2022-09-15
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. (NC)

I have tried several time to inform the credit companies ( Experian, XXXX, & XXXX ) about unauthorized hard inquiries ( 1 ) XXXX XXXX ( XX/XX/2022 ) ( 2 ) XXXX XXXX ( 3 ) XXXX  XXXX. ( 4 ) XXXX XXXX ( XX/XX/2022 ). ( 5 ) XXXX  XXXX XXXX XXXX XXXX ( 6 ) XXXX XXXX XXXX ( 7 ) XXXX ( 8 ) XXXX XXXX XXXX ( 9 ). XXXX XXXX XXXX  ( 10 ) XXXXXXXX XXXX
Consumer complaint received 2020-07-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX   XXXX  XXXX, DEPT OF EDUCATION/XXXX Company Inquiries : US SM BUS ADMIN ODA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have been requesting information from the three credit bureaus for months now and they do not respond. I have started in XXXX of this year and several request were sent to them. First one XX/XX/XXXX, second one XX/XX/XXXX third one XX/XX/XXXX, most recent XX/XX/XXXX still nothing! Now due to the covid XXXX I spoke with XXXX and they were extending my payment due to circumstances. They reported it as a 30 day late and when I talked to them they said I needed to contact the bureaus and that they will resolve it. Really I can't get the bureaus to respond since XXXX. Long before everything shut down.
Consumer complaint received 2020-08-25
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. (SC)

Collection Agency keeps reporting a 6 year old debt as a new delinquency. The Date of First delinquency is XX/XX/XXXX. It has been investigated, corrected and then shows up again as a new debt. 

Collection account is below : Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$7300.00} Amount {$7300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification BANKING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

PHH Mortgage bought the mortgage I have from Ocwen XXXX. I am current on my payments, but after 5 years of on time payments, they still have not removed the PMI from payments. If I call, I get benign answers and reading from a " script '' and " apologies ''. I am overpaying by {$120.00} a month, and it was supposed to be removed XX/XX/XXXX. No response, even though I sent letters and called. I have copies of correspondence. I want them to remove the PMI as promised, and the remit a check as promised for the several months of overpayment. ( 7 payments thus far ). OUR LTV is in line, and there is over {$150000.00} of equity in my home. Please ask them to handle this immediately. REMOVE THE PMI!! PHH mortgage is not pleasant to work with.
Consumer complaint received 2020-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (OH)

All my debt to XXXX Hospitals were paid in full in XX/XX/2017. Verifying my credit score recently I see a debt of {$100.00} sent to a collection agency, debt that is not owned by me as all the invoices were paid in XX/XX/2017 by my insurance company and the remainder amount by credit card. I have to mention that no invoices were received after the full amount was paid, therefore this {$100.00} shown is an absolute error.
Consumer complaint received 2020-07-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I've notified Experian several times the the 2 accounts from XXXX XXXX listed on my credit report was from fraud and should be delted/suppressed. I've sent police reports and ftc complaint and they still choose to ignore my request to remove it. I spoke with a customer service agent at Experian and he said that they do not actually investigate anything so I'm confused at this point.