davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, mortgage servicer for FNMA, reported late payments to all three credit bureaus while I was on a national declared disaster ( Hurricane Irma, Florida ) forbearance and then a mutually agreed mortgage modification with XXXX. They directly reported a 150 day late on XX/XX/XXXX and reported as ND ( Not Due ) on every other month from XX/XX/XXXX thru XX/XX/XXXX. The 150 day late reported by XXXX on XX/XX/XXXX should also be reported as ND ( Not Due ) as I was on their forbearance and modification agreements, as attached. 
XXXX is involved in a number of law suits for reporting erroneous mortgage information and was subsequently forced by FNMA to transfer all servicing to XXXX XXXX which is now my FNMA servicer.
Consumer complaint received 2021-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (KY)

On XX/XX/XXXX I noticed a late payment on my credit report from amazon prime synchrony, Account ending in XXXX, for the amount of {$15.00}. I have not even used this card yet and they cant explain to me where the charges came from : XXXX XXXX XXXX WA XXXX Free {$6.00} Late Fee {$6.00} Minimum Interest Charge {$1.00} Minimum Interest Charge {$1.00}
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

XXXX ; Experian and XXXX are reporting lates in XX/XX/18 and XX/XX/18 on the XXXX XXXX account number XXXX. ( Please see page 7 of the attached credit report. ) I traded this vehicle in to XXXX XXXX in XX/XX/18. I no longer have this vehicle so it would be impossible for me to have had late payments in XX/XX/XXXX and XX/XX/XXXX when the vehicle was traded-in XX/XX/XXXX. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX ; XXXX and Transunion are reporting lates in XX/XX/18 and XX/XX/18 on the XXXX XXXX account number XXXX. ( Please see page 7 of the attached credit report. ) I traded this vehicle in to XXXX XXXX in XX/XX/18. I no longer have this vehicle so it would be impossible for me to have had late payments in XX/XX/XXXX and XX/XX/XXXX when the vehicle was traded-in XX/XX/XXXX. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2021-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (MO)

Got a notification from XXXX XXXX about a collection added on my credit report. It doesn't belong to me. Spoke with someone at XXXX XXXX stating this person that is using my credit report to open an account under me. They were able to locate the person mailing address. I have never been to XXXX XXXX ever in my life. I've lived in XXXX since XXXX never left. Come to find out 5 people lives in that household between the ages of XXXX - XXXX years old.
Consumer complaint received 2019-11-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: BlueChip Financial (CA)

A letter was written to Spotloan stating my hardship and inability to maintain terms of usurious loan. Original loan amount was for {$800.00} As of XX/XX/2019 I wrote spot loan letting them know my hardship and I had paid the full Principle of the Loan plus an additional XXXX XXXX 
This company changed the name of their company in order to attempt to debit my XXXX XXXX checking account despite me informing them they were no longer authorized to debit my account. I had a large unforeseen medical expense and am at risk for being evicted from my home so im unable to maintain paying back the interest on this loan that was at an usurious rate of 460 % which I have been now informed thru credit counseling is over the legal allowed interest.
Consumer complaint received 2019-08-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL (MI)

Some months ago I filed a complaint regarding a wide range of material misrepresentations of fact by Synchrony Bank. Synchrony addressed one of the many parts of my complaint. I have tried to get Synchrony to respond to all the other aspects of my complaint. On approx. XX/XX/XXXX I spoke with Executive Response Team member XXXX XXXX ( XXXX ). She promised to fully investigate all parts of my complaint and provide me with a detailed written response to those parts of my complaint never addressed to date by Synchrony. When I did not hear from Ms. XXXX after about 30 days I called and left her two voice mail messages. Ms. XXXX has not responded to either voice mil message. 
Synchrony gave me wildly inaccurate and misleading information about my accounts with them. I can supply all the follow up documents CFPB may need regarding this matter. I think the CFPB must hold Synchrony accountable for the misleading information, the serious and material misrepresentations of fact and their failure to fully address all parts of my complaint. Thank you.
Consumer complaint received 2020-11-21
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: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter to the credit bureaus regarding several inaccuracies that was on my credit report. This maybe due to my information being compromised in the Equifax Data Breach.I have asked for a resolution and have yet to receive a response. It has been more than 30 days and i feel as if my concerns are being ignored by these bureaus. I understand that in Section 611 ( a ) states, failure to investigate these items within 30 days give reason to immediately remove the items from my credit report. It has been 30 days. I demand these accounts be removed immediately or I will file for litigation.
Consumer complaint received 2021-02-03
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation (FL)

Early in XXXX I received a call from Bridgecrest, my auto loan company in regards to the collection of the debt owed on my auto vehicle. I talked to them, explained my situation to them and attempted to find a solution in regards to the debt. It was later that day I received a second call from them. As I have already spoken with them, I knew I could not receive a second call for the day. I explain this to Bridgecrest who also attempted that I was not the first person who stated that. Towards the end of the month I received an other call from Bridgecrest in which I ask what they were going to do since they violated the rules in regards to debt collections. So stated she would research it and get back to me. I never heard back till XX/XX/27 where I was given the same story of we will research it. Then I XXXX I received another call but this time it was to inform me that they have researched the complaint I presented and found that on that day there was system issue which allowed Bridgecrest system to make multiply calls that day to customers even after they have already spoken to Bridgecrest. They wanted to call me to let me know that 1. they did call me twice in one day after making contact. 
2. that this was an issue with there system on that day 3. they have corrected the issue 4. they are sorry 5. Not willing to do anything above and beyond an " I am sorry '' In conclusion, a violation has occured between myself and a debt collector. That violation was been reviewed by the debt collector and have admitted that they did in fact made a second call to me after contact with me once already in that day.
Consumer complaint received 2022-11-17
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 appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-04
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC. (MS)

I attended XXXX  XXXX XXXX  Fall XXXX to XXXX XXXX, received Masters on XXXX XXXX, XXXX. I worked at XXXX at the time in a leadership role. The company paid for my education to attain the Masters Degree Program in order to develop my career. I have filed Chapter XXXX twice and the 1st time XXXX. XXXX XXXX told me that they were paid off after the 1st chapter XXXX. When I began to get more notices for student loan debt, they began to garnish my check. I filed chapter XXXX again to gain help from legal regarding student loan. I did not succeed and I dismissed the chapter XXXX in XX/XX/XXXX. I contacted ECMC and began a payment plan of {$770.00} each month as I am in fear of them garnishing my check. My identity has been stolen more than once without my knowledge or permission. I did not attend school in XXXX. As the ECMC accused of disbursing {$400000.00} to me for expenses incurred at the XXXX XXXX XXXX. No, I did not get these funds.
Consumer complaint received 2022-04-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

I have received incessant calls from a MCM ( Midland Credit Management ) company saying that they need to verify employment on me. I asked that they send over an email requesting this. I have impeccable credit and they did email me and the social security number they have IS NOT mine. When they call and harass me I ask what they are calling for and they refuse to tell me and only say XXXX XXXX. I explain that the social security is not mine and they DEMAND that i provide my social security. I have called them five times and one person advised they were looking for a XXXX XXXX. This was the person who sold me my home! They refuse to send me some kind of letter of what it is for and are demanding and call me every single day after they say they have the wrong person and i will take me off their list. However, they never do. I am humiliated as my credit score is XXXX and i do not have any past due bills. They have violated my rights on several attempts to collect a debt from someone that is NOT me. Please help me with this as upon looking online this seems to be this companies MO. I have contacted two attorneys on this that are going after this specific company as well!
Consumer complaint received 2022-04-27
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: ENCORE CAPITAL GROUP INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Consumer complaint received 2022-04-27
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: Avant Holding Company, Inc. (PA)

Avant LLC ran a hard credit inquiry on me on XX/XX/18 and the information provided was not my address. I informed them via phone calls and emails that this was a fraudulent inquiry and attempt to access credit. They said it would be sent to their fraud department. However I have yet to hear back from them in response.
Consumer complaint received 2021-07-12
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. (CT)

I don't recognize these inquiries nor did i authorize any of these corporations to run my credit XXXX/XXXX/XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2021-02-03
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)

XXXX, XXXX and transunion are reporting credit inquires on my account i do not recognize and that were never initiated by me. I have mailed a letter to all 3 bureaus requesting them to investigate and remove these inquires from my account.
Consumer complaint received 2019-11-15
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: BARCLAYS BANK DELAWARE (OR)

In XXXX of 2019 my wife 's car was broken into and her purse was stolen. We immediately alerted all credit card companies of the situation and she was sent new credit cards. A homeless couple was found in possession of some of my wife 's stuff and was prosecuted. I can provide you with information on this case if needed. 
Unfortunately - on XX/XX/2019 someone started using my Barclay 's Visa card ( which my wife and I share jointly ) and racked up {$3600.00} in charges from XX/XX/2019 to XX/XX/2019. Charges vary from Bus passes, food purchases, to items purchased at XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, etc ... On XX/XX/2019 they even purchased a {$30.00} calling card from XXXX XXXX so an inmate could make calls from prison. Why would I buy an inmate a calling card? My wife and I rarely use this Barclay 's Visa card as it is only used for emergencies. We did not make these charges and alerted Barclay 's Visa as soon as we learned that these charges had been made. We filed Police reports with both the XXXX Police department and the XXXX County Sheriffs Offices as these fraudulent charges were made in both Oregon and Washington State. Barclay 's Visa originally credited our account when we first reported this fraud to them but later ( XX/XX/2019 ) put them all back on our account saying that because I still had both credit cards in my possession that I was responsible. ( These charges were made under my original Barclay 's Visa Card and also the new Barclay 's Visa card that was issued to me when my wife 's purse was stolen ). We have called Barclay 's Visa numerous times to dispute these charges but they refuse to help with this matter. They know this is fraud and refuse to help. They even refused to give me the times when these purchases were made so that the police can look at video to see who is actually making these purchases. I need help with this as Barclay 's Visa is refusing to assist in anyway. Thank you.
Consumer complaint received 2022-11-17
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 letter to the 3 Credit Bureaus to update and correct this suspicious information. I think you have not validated these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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
Consumer complaint received 2022-03-01
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: EQUIFAX, INC. (NV)

Hi, my name is XXXX XXXX. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-11-04
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: Experian Information Solutions Inc. (IL)

The credit bureaus said they dont have contracts that i signed and they contacted the creditors and they say the information is verified. How can they verify my derogatory accounts if they dont see physical proof that i signed a contract. The credit bureaus or the creditor has not presented a contract for any of my derogatory accounts that i supposedly signed for. Every account that i disputed has to be deleted according to the Fair Credit Reporting Agency. They are violating my rights.
Consumer complaint received 2017-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MN)

I am a JP Morgan Chase bank customer and applied for a HARP loan after a business bankruptcy. After 14 months of constant faxes and calls I was told the rate would never go above the current XXXX XXXX rate which at that time was 2.5 %. I was never told that after having a current mortgage, they would add all the interest, attorneys fees and all the bank fees which totaled {$35000.00} and the maturity date was extended 15 years. also the rate came back at 5.125 %. when I received my paperwork for signatures I just about fainted and after calling Chase was told if papers were not signed and received the next day foreclosure would start. I had no choice. So I went from a current loan to one that balance raised {$35000.00} and extended 15 years, I never would have that if I had been told this. Chase Bank is the most corrupt bank I 've ever dealt with. I was bullied into signing papers or lose my home.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

FTC Violations Texas Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing Arm of XXXX XXXX Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information XXXX XXXX XXXX XXXX open XX/XX/2016 {$22000.00}, my name is not correct.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

experian credit score is 60-85 points lower than XXXX and XXXX. How is this even possible? When i called them to discuss my concern they stated that i needed to file a claim. How can i possibly file a claim against them? they reporting that my credit score is 670 approximately when the other two credit bureaus is displaying approx 750. 

I need a logical explanation to how such a difference is even legal or possible. I have matched all three bureaus i dont see a significant difference in they way they are reporting.
Consumer complaint received 2017-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

We have requested SPS review this file for a short sale. SPS is refusing to do an interior appraisal/valuation of the home, even though they have been notified numerous times that the basement wall is collapsing, causing the home to cave in. The homeowners had to move out for safety reasons, yet SPS refuses to take this into consideration. Their blanket response is " the investor does n't require an interior valuation '' - yet they have n't even notified the investor of this issue. In addition, they are trying to force the buyer to pay for title insurance - which is a seller fee! Each state has different rules and in Michigan the seller pays this fee. They, again, refuse to clarify this with the investor on the loan and are delaying the file.