davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (OH)

I bought my house in the nineties from a guy in foreclosure and brought him current. Have been paying on the mortgage as agreed ever since. Recently US Bank acquired my loan from XXXX. US Bank is n't communicating with me as set out in the XXXX mortgage rules. 

According to the XXXX mortgage rules, mortgage servicers are required to send borrowers a clear monthly statement. I asked them to send me my statement for Loan # XXXX monthly to my address above. They refused. 

I also sent them a certified letter on XXXX XXXX asking them the same thing, along with a copy of my deed, which is recorded at the court house and is a matter of public record, showing that I hold title to the house they hold the mortgage on. 

It 's well past the time they should have responded back that they received my letter and that they will properly communicate with me in the future.
Consumer complaint received 2023-01-20
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)

I submitted a dispute and furnish my id and utility bill. They sent me a stall letter as if it was not me that submitted my information this is the second time and I want it resolved
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third part involved. 

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

Also, pursuant 15 USC 1681b ( 4 ) ( c ) ( 2 ) I demand the removal all inquires being reported.

Notice Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2020-10-12
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. (FL)

I tried to fix mxy credit report with the credit bureaus but they don't do the properly investigation about my case. They don't want to eliminate accounts that I already paid, inquieries that I didn't authorized, and others.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I tried to fix mxy credit report with the credit bureaus but they don't do the properly investigation about my case. They don't want to eliminate accounts that I already paid, inquieries that I didn't authorized, and others.
Consumer complaint received 2020-10-12
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. (VA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason for immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have go into the hands of the wrong person.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-07-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (KS)

Our mortgage was sold by XXXX XXXX XXXX to freedom mortgage around XX/XX/2020. Ever since, my husband and I have been contacted by Freedom Mortgage on almost a daily basis. They have contacted us by phone, email and mail insisting we refinance our mortgage to get a lower interest rate. We have repeatedly explained we are not interested and yet they still keep calling. We requested to be taken off any list that requires them to contact us about it this matter. When we tell them we do not want to lower our interest rate, they become rude and pushy. They want us to explain why we are choosing to pass on their offer. They do not accept no for an answer. After speaking on the phone, theyll send us emails to sign paperwork electronically. When we do not respond to emails, they send hard copies in the mail for us to sign. Ive been tactful when speaking with the representatives and they will not stop insisting we do as they say. We are looking to take our business elsewhere because this is harassment and bad business.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One offered me 0 % interest for 12 months on a balance transfer in exchange for a 2 % transfer fee. I accepted the offer to transfer a balance of just over {$14000.00} from my other credit card to my Capital One card. I contacted Capital One on XX/XX/XXXX to accept this offer and set up the transfer. The person I spoke to advised that the transfer could take 10-15 days and asked me for the amount I wished to transfer and the card number on the account from which I was transferring the balance. Near the end of XXXX, the {$14000.00} balance appeared on my Capital One card but was also still showing on my other account, which is an XXXX XXXX card licensed by and issued through my credit union. I called my credit union, who advised they had not received payment from Capital One. After calling Capital One in early XXXX, I found out they issued the check to the wrong payee And sent it to the wrong address. They wrote the check to XXXX XXXX rather than my credit union and sent it to the address for XXXX XXXX instead of my credit union. I advised Capital One of the problem and provided them the correct payee and mailing address. They advised the would cancel and reissue the check. It is now XX/XX/XXXX, well over a month since I set up the transfer, and I Still have balances of approximately {$14000.00} on both accounts. Ive also continued to accrue interest on my credit union card and the clock has started running on the 12 months of  0 % interest in the Capital One card even though Ive yet to receive the benefit of the transfer. Additionally, my credit score has  decreased significantly as a result of the credit usage reflected on my report due to having both of these balances. I asked Capital One to credit my account for the additional interest they caused me to accrue on my other card and/or extend the 12 months of 0 % interest to start as of the date the balance clears my other card. Capital One refuses to do either because I am the one that provided them the card number for my other account, which is specifically what their representative requested from me. I was not asked And did not provide who to make the check payable or where the check was to be mailed. I was only asked for the card number which I provided and provided correctly. When Capital One enters that number in their system, it apparently shows up as XXXX XXXX rather than my credit union. Despite this error on the part of Capital One, I am made to suffer the consequences and Capital One refuses to remedy the issue and make me whole despite multiple requests.
Consumer complaint received 2022-04-05
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Specialized Loan Servicing Holdings LLC (FL)

I have been a victim of fraud since XXXX and it has been well documented in the court. On XXXX my lawyer at that time informed XXXX XXXX of the fraud and that I will make the last payment until they clarify how they were able to buy two houses in my name and then sale one overnight and give me a new loan of my own house that I have requested 9 months ago. They never answer this and they sold the loan to XXXX XXXX with all the garbage loans bought by XXXX. Then on XXXX XXXX and XXXX XXXX  XXXX left the case in case in the court, The case was closed by the court in XXXX and I thought everything was finalized. 
Then, in XXXX this company SLS loan servicing came with many wrong tactics claiming the loan belongs to them, they claimed foreclosure in my community and it was not true. They have canceled my homeowner insurance and placed their own. However, I continued paying my own homeowner 's insurance and flood insurance and my property taxes which they also have tried to remove me from it and they want to pay it. 
The harrasment has been enormous SLS come and place a paper/note on my door since XXXX take picture and remove the papers to avoid the home owner to find a lawyer and save the property form foreclosure. IT is not right. Fortunately, my case has been with lawyers but I want to know how many people has lost their house with this tactics? they call my phone as well. Now, They are charging enormous interest and charges without reason. Where was this SLS previously? so now they come at any year, buy a loan for a XXXX and make money like this? I need to save my house from these thieves called SLS please help me to find the answer because my lawyer does not know what to do next Thank you
Consumer complaint received 2020-09-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (MI)

Lending Club misleads me and they apply payments to interest only and not to any principle. This has made it so I will always be late and therefore charges me more late fee 's. Although I ask them to apply my payments to the Principle and Interest they say that they are allowed to apply my payments to interest only if they choose. They offered me a deferral during covid for 2 months and now I will not be able to get caught up. They are a fraudulent company and their website shows misleading and little info to understand how to make a payment or pay off your loan.

When I talk to their reps on the phone they either say they cant do what I am asking or hang up on me.

They keep your loan information and statement to show little information that allows you to make sense of your current loan status.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I filed an identity theft with Transunion case # XXXX. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 
Accounts : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Transunion has failed to investigate and remove these items from my consumer report. XX/XX/2023 they responded with a letter saying that's these accounts are verified which is a violation of my consumer rights. 
See documents attached below
Consumer complaint received 2018-09-17
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: EQUIFAX, INC. (WI)

The address : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX is registering under my credit reporting since XXXX. I have never lived there but my ex fiance whom I had a restraining against does. I believe he used my social security number.
Consumer complaint received 2020-10-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I attempted to resolve this issues with creditors and company. I explained to the company that I was going through a divorce in XXXX prior to that I had an excellent payment record. 

1 ) XXXX XXXX  - late payments in XXXX, XXXX, XXXX, XXXX & XXXX of XXXX : 2 ) Late payments in XXXX, I was affected by XXXX   XXXX. 
In XXXX, I experienced a very difficult year, as my ex-husband and I was going through a divorce. Prior to our separation, we live jointly in the home and it was a mutual agreement that we would split all expenses 50/50 however, my ex-husband fail to meet his financial agreement. I was required to pay all expenses in full which was a huge adjustment for me at that time.
Consumer complaint received 2021-04-30
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 (NC)

Hello, The issue i have ran into with a few companies is i have some unauthorized/incorrect inquiries placed on my credit report. This has severely impacted my ability to obtain new credit or any other transactions regarding such. 

I would like to exercise my right under 15 U.S. Code 1681n & 1681o for the damages acquired, i am seeking compensation on {$1000.00} from each company I have sent my letters in to the following companies with a notarized affidavit of truth attached as well, after Composing the letter and sending them out on ( XXXX ). I have still heard nothing from any of the companies, Please help me receive the compensation i deserve 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, XXXX  XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2020-07-25
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. (MD)

Although XXXX had admitted to not processing my account and closing to for no reason, they continue to give false reports to Experian. They have reported 6 delinquencies during the period in which they did not process my payment ( they admitted to doing this ) and I was trying to get them to fix the problem. It wasn't until I filed a complaint here that they promised to remove those false late payment reports from Experian but have not done so yet. They have removed late fees and late charges for XX/XX/2019 to XX/XX/2019 yet they won't remove the delinquent record from Experian because I made a complaint against them. XXXX is attempting to make me pay for their negligence.
Consumer complaint received 2020-10-22
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. (NY)

An account with its first six digits " XXXX '' was opened and shown in my credit reports on XX/XX/2020, with a credit limit of {$1000.00}. The report says it's a XXXX XXXX XXXX XXXX card, but I verified with XXXX that it's not my account. This was not done by me.
Consumer complaint received 2020-10-22
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. (NY)

An account with its first six digits " XXXX '' was opened and shown in my credit reports on XX/XX/2020, with a credit limit of {$1000.00}. The report says it's a XXXX XXXX XXXX XXXX card, but I verified with XXXX that it's not my account. This was not done by me.
Consumer complaint received 2020-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

We have made regular payments as agreed with new servicer, Shellpoint Mortgage, however their records show I am one month behind. They have charged late fees after two months without resolution, I was forced to pay an extra payment to get ahead and avoid the late charges, hoping it would be resolved in the meantime. I was wrong. The company has been unresponsive via telephone, has hung up on me, transfer me to someone else and then start over as if no knowledge. I have spent hours on the phone with no resolution or real help. Was told someone would call back next day, nothing. I then called a Supervisor, who has been contacted on two occasions and has not ever responded. Wrote Error resolution notice letter, with my phone number, and they took over 30 days to respond and simply wrote back " unable to determine that any error has occurred ''. It's bad! There are so many errors and inconsistent reporting I wonder if the Servicing company is legitimate company or scam.
Consumer complaint received 2020-10-22
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. (CA)

I mailed out letter, police report, and FTC report on XX/XX/20. It has now passed 30 days. No response from creditor. They are still reporting fraudulent information. Per FCRA they have to remove fraudulent account.
Consumer complaint received 2020-07-25
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. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX  appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These accounts are keeping me from buying a new home and making it impossible to move forward with my life. 

1. XXXX XXXX - no balance is showing, account partially listed - XXXX, dates listed open is XX/XX/XXXX
Consumer complaint received 2017-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

XXXX XXXX XX/XX/XXXX amount for {$2800.00} does not belong to me XXXX, XXXX. Opened XX/XX/XXXX amount {$550.00} does not belong to me XXXX XXXX Opened XX/XX/XXXX {$1300.00} does not belong to me these negitive accounts are not mine and i wish to have they removed please
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (NJ)

On XX/XX/2024 I received a notification from XXXX that I just had a hard inquiry done to my report the company 's name is FEB/DESTINY phone number : ( XXXX ) XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I called the credit card company, but the number that appears on the credit report is not working. I used another number I gound in XXXX search, but when I talked to the representative she couldn't find any records of me ever applying for a credit card.
Consumer complaint received 2022-04-05
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: FCC Finance, LLC (NJ)

Respectfully request good will reporting to remove neg remarks on my credit account. account was paid off in full. Company keeps putting me on hold and not returning calls or written correspondence.
Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (FL)

My XXXX  account was turned over to a Collection Agency for none payment of a bill I was unaware of. I paid the Collection Agency just so they would mark it as paid and show on my credit report. However it is still showing as an uncollected debt on my credit report. I will dispute these charges myself personally with XXXX, but frankly the small amount owed isn't even worth my time.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WV)

I signed up for Experian Free monitoring. They won't cancel my account. I signed up online, but they do not allow me to cancel online. I am forced to call. On XX/XX/2020, I called and had a long hold time. They refused to cancel because they claim a system update. They told me I need to keep calling them until they decide they are able to cancel my account. I contacted a supervisor named XXXX who hung up on me.
Consumer complaint received 2021-09-15
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (OK)

XXXX XXXX XXXX has hard inquiries on my credit file that I did not authorize. The dates are from XX/XX/XXXX, and XX/XX/XXXX. These were not made by me and I am asking that they be removed from my file.