davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
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)

Experian has failed to respond and appropriately remove a fraudulent account on my credit report. Evidence has been provided from a COURT ORDER in the USA. Is Experian located in the USA? Yes! Therefore, they must abide by the law in this country. See enclosed documentation from the court order, which proves 1 ) I am not responsible party 2 ) Account balance is {$3200.00} 3 ) Payment history from XXXX thru XX/XX/2020. Meanwhile, Experian reports the account in my name, with a fraudulent balance of {$4900.00}, and shows Negative payment history from XX/XX/2020 thru XX/XX/2020. The response from Experian is shameful and disgusting. They are reporting fraud and damaging my credit. Court records in the attachments can be easily found by searching my name at this website for the City of XXXX, Ohio : https : XXXX Although Experian claims the creditor validated the account that is a fraudulent claim. Why would Experian ignore terms of the court order? Because it doesn't fit their agenda and business model for reporting accounts. It is inconvenient for their business although it is a violation of federal law. Get it together.
Consumer complaint received 2020-08-21
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. (FL)

XXXX  ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit. ) The date of last activity was in XXXXXXXX XXXX. This account is well over ( 6 ) years old and should not be reporting. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff that is over ( 6 ) years old is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-06-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing this letter in an effort to remove inaccurate unverified account information on my credit report. I have contacted TransUnion XXXX. XXXX XXXX PA, XXXX with a Proof Of Verification Letter on XX/XX/2019 Via certified mail to solve the issue of either verifying the accounts or removing the inaccurate items on my credit report and they fail to do so according to the FAIR CREDIT REPORTING ACT 1681, and the FCRA 15 U.S.C 1681. Also please be aware that I am keeping records of each date that I have contacted your company and Im prepared to use this information in case i have to take further legal actions.
Consumer complaint received 2018-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My first dispute letter was sent XX/XX/2018. My second dispute letter was sent XX/XX/2018, My third dispute letter was sent XX/XX/2018. My fourth dispute letter was sent XX/XX/2018. 

TransUnion Continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or contract bearing my signature. 

TransUnion has not provided this consumer with the information of Who verified theese accounts and How these accounts were verified by virtue of proper documentation containing my sifnature binding me to these negative accounts. 

TransUnion is now in violation of the FCRA and continues to be in noncompliance.
Consumer complaint received 2020-08-21
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. (NC)

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$3500.00} on the XXXX original creditor XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My son came down with medical issues and I suspected it was due to mold and the neighboring tenants smoking near my apartment. My son has severe XXXX and the smoke was seriously harming his health. I contacted the Apartment Complex Manager however, they didn't do anything to address the issues so I contacted the City and when the apartment complex found out that I did this, they forced me to move out. I found out later that they charged me for three ( 3 ) months rent for time I was not living in the apartment. I have attached email correspondence for reference. The apartment complex broke the lease, I did not. This was through no fault of my own. They broke the law for not fixing a material defect and allowing other tenants to smoke near my apartment unit, as well as unlawfully evicting me and kicking me out, and for unlawfully charging me for rents that I do not owe. I do not have an outstanding balance due and therefore there is nothing to collect and/or charge off. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. I have contacted the  bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (MA)

Sequim Asset Solutions LLC reference # XXXX creditor account # XXXX they are sending me an account that is not mine and has been settled by a company such as XXXX after switching so I am assuming this is fraud As I do not owe XXXX XXXX XXXX any money
Consumer complaint received 2020-08-21
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. (NC)

XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$3500.00} on the XXXX original creditor XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My son came down with medical issues and I suspected it was due to mold and the neighboring tenants smoking near my apartment. My son has XXXX XXXX and the smoke was seriously harming his health. I contacted the Apartment Complex Manager however, they didn't do anything to address the issues so I contacted the City and when the apartment complex found out that I did this, they forced me to move out. I found out later that they charged me for three ( 3 ) months rent for time I was not living in the apartment. I have attached email correspondence for reference. The apartment complex broke the lease, I did not. This was through no fault of my own. They broke the law for not fixing a material defect and allowing other tenants to smoke near my apartment unit, as well as unlawfully evicting me and kicking me out, and for unlawfully charging me for rents that I do not owe. I do not have an outstanding balance due and therefore there is nothing to collect and/or charge off. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. I have contacted the  bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

I called to pay my last bill of a return check fee of {$29.00} which I dont feel like I should have to pay because it was a mistake I already explained that in my other complaint that has no response to. When I made the payment of {$29.00} on XXXX it was late due to the automated system did not let me pay it, it kept trying to transfer me to a live person which I didnt want to do that because they charge a fee to pay with a person. I wind up having to pay on line and there for it was after XXXX XXXX but I was trying several attempts to pay through the automated but it was not allowing me. This was supposed to be my last Bill which I dont feel like I should have to pay the return check fee or the late fee. Yall closed my card even though I was making on time payments and everything. I would really just like to be done paying this card. I have enough things going on involving my health and this pandemic I would like both fees removed please because neither of them are my fault. I dont want to have to get my lawyer involved and take yall to court.
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-05-19
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BBVA FINANCIAL CORPORATION (AL)

BBVA Compass is not following FHA 2016 guidelines, therefore consumers are being cheated and priced out of the home buying market due to its miscalculation of federal student loan monthly payments. It is calculating Income Based Repayment ( IBR ) the same as deferred student loans and states even if there is a $ XXXX monthly payment on the statement and on the credit report, this 2 % rule applies. BBVA Compass is determining monthly payments by calculating 2 % of the student loan balance. This is very unfair to consumers and goes against FHA guidelines. When confronted with this shocking revelation, I asked to speak with a supervisor and was transferred to a supervisor in XXXX, TX. He was very combative and argumentative, insisting that FHA guidelines states 2 % of the student loan balance should be used when determining monthly payments for IBR even if both the statement and credit report state a $ XXXX monthly payment.
Consumer complaint received 2019-06-02
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: SUNTRUST BANKS, INC. (AR)

XXXX FAILESIGNATUES, D TO DELETE 10 HARD INQUIRIES, THESE WERE PULLED W/O SIGNATURES0.
Consumer complaint received 2021-09-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

i am making this complaint solely on my own. 

on XX/XX/2021 i sent out a dispute letter to experian. asking them to remove items from my report because i didnt give them written permission to allow the items to be on my report. i based my facts in the letter on the law o.c.g.a. 15 usc 1681a ( d ) ( 2 ) ( B ). when i didnt hear back from them by XX/XX/2021, i then called experian and the girl on the phone said she didnt know about the laws so she cant remove items off my credit report. so on XX/XX/2021, i had an affidavit of truth written, signed, and notarized and i mailed it to experian. along with the original letter i wrote and evidence. i have still have not heard back from experian, not by phone, and not by mail. it has been over two months since i originally reached out to experian concerning my credit file and credit report. from my understanding if they do not respond back in 30 days then the items must be removed from my credit file immediately. also from my understanding of the government law the items that are on my report should not have been on there in the first place. please help me to get a response from experian credit reporting agency. thank you cfpb
Consumer complaint received 2019-06-02
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. (MO)

Experian says on XX/XX/29 that investigation was complete ; however I sent additional docs showing that XXXX XXXX was included in a bankruptcy and should be reporting as current. It was included in a Chapter XXXX Bankruptcy, attached is the documentation show ing this information on page 36 of the attached documents showing this account.
Consumer complaint received 2020-10-15
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

I see multiple 120 days late marks which is a clear violation of my right under the FCRA. he company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-06-02
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. (GA)

I submitted identity theft affidavits to all 3 credit bureaus due to fraud activity on some accounts that landed on my credit reports. the FCRA & 605B ( 15 U.S.C. & 1681c-2 )  specifies and I quote " ( a ) Block. Except otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt of such agency of- 1. appropriate proof of the identity of the consumer ( which I provided ) 2. a copy of an identity theft report ( which I provided ) 3. the identification of such information by the consumer ; and 4. a statement by the consumer that the information is not information relating to any transaction by the consumer. ( which I also provided ) YET the following account : XXXX XXXX XXXX  XXXX IN THE AMOUNT OF {$5000.00} remains on my credit file and was never blocked and or removed ... ..this account is ruining my financial life as I attempt to put it back together.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

Im a victim of identity theft someone got my Best Buy credit card and used it while I was really sick with XXXX I was down and out for over a year and more sick so Im now going over my account and report and seeing all of this.
Consumer complaint received 2021-03-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (MO)

We applied for a home equity loan in XX/XX/2020. We did it over the phone with PNC Bank. For some reason ( no one could explain why ) a couple of weeks later they said we had an incomplete application and that we needed to apply again. I asked the representative on the phone if that would hit our credit again or if they would use our score from the previous application. He assured me they would use the score from the first application. However, when I just recently went to XXXX I noticed that PNC pulled my credit twice, one for each of those applications we put it.
Consumer complaint received 2018-02-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MD)

I am now {$20000.00} in the rears with my mortgage with Ditech i have been behind since XXXX.. I had XXXX XXXX in XXXX.I lost my Job of 10 years because of losing time from work. That is how i became behide. I now I am able to pay my mortgage and have submitted a Modification 2 time. Both time they were denied with Ditech. The reason that they denied me is because of the programs that they have to follow. This is where the problem comes in. I have attached the 2 denials for your review. What i have a problem with is that being that i am a Certified XXXX XXXX myself I have seen the Modifications that lenders offer clients.My interest rate is 6.75 % and has been so since 2004 rates are much lower now. Most modification that I have seen come across my desk have lowered the rate to 2 % 3 % so that the # s would work. I have since them also give a Balloon Payment of 15 years. This would give the mortgagor time to get on their feet. This option was not offered to me. I know that this option is available but the lender is not trying ever possible option to keep me in my home. Again my rates in 6.75 %
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Experian and XXXX are reporting a bankruptcy on my credit report that was never filed on me. My husband filed bankruptcy and I was never included in the bankruptcy. I am asking that they send me proof that I was on bankruptcy papers and where they got them from because I verified with the bankruptcy people that they do not give out info to the credit bureaus. Please give me documentation that shows I am listed on a bankruptcy filing that you have proof of the info on the filing.
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I contacted Equifax to remove a Chapter XXXX bankruptcy from my husband and my credit. his have been almost 10 years and mine 8 yrs. They're saying the law states they can't do anything about it. I contacted XXXX and XXXX and they both removed them a year or so ago. So, how is it they can't if the other two did. We filed bk due to the economy and had to close our business. We're back on track and pay our bills on time. We are trying to adopt a couple of children and purchase a home and this is really impacting both of us. Please, Please, Please help us.
Consumer complaint received 2021-07-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (UT)

THIS COMPLAINT IS AGAINST BSI FINANCIAL My loan was transferred form Round point Mortgage to BSI Financial on XX/XX/2021. When the loan transferred it had already been modified. I signed the modification documents in XXXX and it was the partial claim was recorded on XX/XX/2021. All the payments I have been making are not going to the correct months and it is still showing I am past due for 280 days. I have made several attempts to resolve this with BSI and they will never put my single point of contact on the phone. I call at least three times a week and never get a response. Customer serive always tells me that the modification is pending and my point of contact is not available. At first BSI claimed they were missing the recorded document, so I sent it to them. Now they are saying the FHA is not approving the loan and I only know that information from customer service. My loan has been with the going on 6 months and I can not refinance or take advantage of the lower rates on the market because they are reporting that I am not current on my payments. It is impossible to communicate with the people in this company and receive answers. I have called and emailed all supervisors with no response.
Consumer complaint received 2018-02-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (WI)

I called Debt Recovery Solutions in XX/XX/XXXX. I let them know that the debt with XXXX XXXX XXXX was paid off on XX/XX/XXXX and I have a receipt to show my balance was at XXXX. I faxed the receipt to them on XX/XX/XXXX. It has been well over a month and every time I call they say that they are still waiting a response from the company XXXX XXXX XXXX. They are still reporting this debt to the credit bureaus which is having a negative impact on my credit score. I did submit a dispute online with the credit bureau in XX/XX/XXXX. I want them to not call me and remove this debt.
Consumer complaint received 2015-12-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (OK)

My husband was diagnosed with XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX after a check up at XXXX XXXX XXXX XXXX XXXX in XXXX, AZ XXXX. He was laid off of his job and stayed XX/XX/XXXX and XX/XX/XXXX in AZ receiving daily XXXX XXXX. He was able to draw unemployment and I am very secure in my job but it was n't enough to cover the truck payment or mortgage. We started a process with Caliber Home Loans for assistance and asked for a loan modification or extension, this went on for 3-4 months with the final result being that they were unable to help us. So it was n't that we were not paying our bills we were unable to pay them and asked for help with no good result in the end. We are not dead beats I have had my job for 8 years and he had no choice with the XXXX XXXX. Caliber Homes told us they would help us since we filed tons of paperwork with them that it would not effect our credit but obviously that was n't true.
Consumer complaint received 2016-01-19
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Account Discovery Systems, LLC (AZ)

On XXXX/XXXX/16, I received a call at my place of employment dispite having told the previous company never to contact me at work. The call was from a XXXX XXXX. I was not provided the FDCPA or notified that the call was being recorded. I kept it short because I was at work and in a public area. He began throwing out settlement options. I stated that I needed verification of the debt emailed to me and that I would contact him the following morning. 

On XXXX/XXXX/16, I again received a call from XXXX XXXX who did not provide FDCPA or notify me that the call was being recorded until after he discussed settlement information and I began asking questions. Further, XXXX XXXX stated that if I paid the delinquent account " would be removed from my credit ''. I do n't believe that this is a true statement - it will not be " removed '' from my credit.