davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CO)

I've had my mortgage since XXXX and had been employed with a government agency since XXXX. In XXXX, I had to file a whistleblower complaint and unexpectedly lost my job. I contacted the bank and was offered a forbearance until I could obtain new employment. I made every payment on time and finally was able to locate a new job. However, this income was less than I had been making, I met all the requirements that had been outlined by the bank. When I went to make my final forbearance payment, I was told my loan had been sold to some XXXX number. There were no branches or people I could meet to discuss my options. While this was completely unexpected and unsettling, I tried to work with them and supplied all the information they requested - three times. They stated they couldn't help me and couldn't honor the previous bank 's agreement and put my home in foreclosure. Since COVID hit, they have not been able to enforce this and I will file bankruptcy to save my home, as they have refused to work with me. I have since gotten another job, which put my income back in the range of when I lost my other job but this XXXX number doesn't care. They have been focused on selling my home, they have sent realtors to try and encourage me to sell and have violated all agreements with my previous bank. I only wanted the chance to repay the outstanding amount and was told, " it doesn't matter what you pay us because we're going to foreclose anyway. '' I was told by my original bank I could make payments without interest for the first six -12 months or extend my payments. I did what I was supposed to do on my end and the bank lied to me, misled me and is now trying to take my family 's home and I need help. This should not be legal and it is not OK to take advantage of someone who suddenly fell on hard times. Please help me if you can. Thank you for your time.
Consumer complaint received 2019-06-06
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. (TN)

I am so disappointed how XXXX, XXXX and Transunion 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-06-06
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. (TN)

I am so disappointed how Equifax, XXXX and XXXX  's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX  XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-09-09
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. (NY)

Today XX/XX/20 I am uploading additional information in regards to my XXXX XXXX XXXX  card. I received this letter yesterday its confirming that this account is NOT reporting to the 3 credit reporting agencys. I have requested several times to please REPORT this account. I have a XXXX balance now with a {$4800.00} credit line having this information report would help my credit score significantly.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2023-01-09
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or remove the following items that are harming my credit : 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 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 2021-09-16
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. (CA)

XXXX XXXX and Experian will not respond to my letters or fraudulent inquiries of identity theft. I have numerous accounts that are a result of identity I have provided them with affidavits police reports and they are still violating my rights and reporting false information.
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

Received a pre-paid USBank ReliaCard. Upon research, it indicated it was state unemployment benefits. I did not apply for this. I went to the usbankreliacard.com website and filled out the form, inquiring why I received it and how to turn it back in. The site indicates we would hear back in 30 days. We have yet to receive any information, so we do not know why I received the card. There are several concerns : why was it sent, did someone apply for it without my knowledge, how do I turn the card and hence the money back in and why have I not heard back about my concerns?
Consumer complaint received 2021-07-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MD)

CACH , LLC XXXX XXXXXXXX XXXX  XXXX, SC XXXX failed to verify the debt prior to reporting the debt to CRA 's. Disputed account information continues remains on CRA 's consumer credit profile.
Consumer complaint received 2019-06-06
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. (MN)

Due to identity theft my credit file has numerous of unknown and unauthorized inquires on it. I'm demanding that these inquires be deleted immediately so that the 3 major credit reporting agencies can afford me my true report. Please delete the following inquiries : 1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX XXXX XX/XX/XXXX ) 8 ) XXXX  ( XX/XX/XXXX ) 9 ) XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX ( XX/XX/XXXX ) 15 ) XXXX ( XX/XX/XXXX )
Consumer complaint received 2019-06-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

Dept of Ed/ Navient has reported two late payments to the credit bureaus for the months XXXX and XX/XX/2017. These late payments reports are inaccurate, At this time I was unemployed and the accounts were in general forbearance and under no circumstances should've been reported as late payments.
Consumer complaint received 2020-11-23
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: SCA Collections, Inc. (GA)

I have accounts that are in my name that aren't mine. Below are the accounts that are reporting that don't belong to me on my credit reports XXXX, XXXX and XXXX. 

1 ) XXXX  XXXX  XXXX  {$990.00} 2 ) XXXX XXXX  XXXX  {$51.00} 3 ) XXXX XXXX XXXX {$2100.00} 4 ) XXXX XXXX  XXXX {$460.00} 5 ) XXXX XXXX XXXX {$610.00} 6 ) SCA COLLECTIONS XXXX  {$310.00} 7 ) SCA COLLECTIONS XXXX  {$440.00} 8 ) XXXX  {$8800.00} 9 ) XXXX XXXX  XXXX  {$110.00}
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (FL)

My name is XXXX XXXX and I have a credit card with Discover. I was late multiple times in the past for about 5 months and would call Discover to notify them. Discover has promised to waive my late fees of {$39.00} and to my surprise my account has accrued multiple late fees ( seems like 5-6 ), there isn't even record that I or my fiancee XXXX XXXX XXXX called them regarding my fees. I called Discover today when I discovered the fees on my account and they only removed one fee ( most recent ). In the past, their collections department would call me from an XXXX area code and the terms were If I had made a significant payment or a payment to get the account to good standing, they would waive my late fees. Clearly, for the past 6 months I have been lied to and fees were not waived. Discover claims that no one spoke with me. Yet just today, their associate promised to waive a fee and a manager took the call by the name of XXXX and he said that he couldn't waive it. I told him the previous associate said she would and he said that he had no record of that. Then he said that yes, he did see it on notes. I feel I have been lied to by Discovwer just to collect money from me. I want my late fees returned as they agreed.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I 've been charged {$10.00} from TransUnion, XXXX, and XXXX on XXXX XXXX XXXX to freeze access to extremely important personal identity information. I did not ever give them permission to collect, distribute, or sell this data. That data has now been leaked through no fault of my own, for reasons out of my control to the world at large. I have tried to contact the companies in question to obtain a waiver for these fees but they will not cooperate. 

They have taken my credit and identity information without my permission and they have lost it, but they refuse to take responsibility and still expect the people whom they have wronged to pay THEM to fix their mistake.
Consumer complaint received 2021-07-20
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: CAINE & WEINER COMPANY, INC. (NJ)

Dates : XX/XX/2020 Amount : {$510.00} I disputed twice with credit bureaus and they are still reporting false report. I called for them to verified these items. There was no proof that these items where verified.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

On XXXX I called citi by phone and requested to pay off my account which it was {$7200.00} Day later I called my bank and citi and citi balance was XXXX Now they charged me interest claiming that tge interest is from the balance I had carry before the payoff Which it doesnt make any sense Other than citi make money off of XXXX tge customer They were charging me interests when I was making payment No they charge interest when I paid off the account It doesnt matter make a payment or pay off customer can not get free of citi XXXX full
Consumer complaint received 2017-09-14
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. (CA)

On XXXX XXXX, XXXX, after the Equifax breach, I checked the site that Equifax had put up to see if I was affected. According to Equifax I was affected and my sensitive information, such as my XXXX, was released publicly. There are, however, reports that Equifax 's results on whether an individual was affected are randomized ; so I 'm not even entirely sure if my information was released. I am taking precaution to protect myself from fraud and I decided to make this complaint, because Equifax themselves tell me they let my information be breached but even if that was just a randomized result, then there is an entirely different issue at hand.
Consumer complaint received 2023-01-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (NC)

I received a notice from Penn Credit about a debt from XXXX XXXX that doesnt belong to me. The notice stated if I wanted to file a dispute I had until XX/XX/XXXX to do so. It also stated I could file my dispute online using their email form to complete which I did on XX/XX/XXXX more than enough time from the XX/XX/XXXX deadline to file a dispute and that more information on validating the debt would be sent to me after the filing of my complaint therefore this collection shouldnt be listed on my credit report.
Consumer complaint received 2017-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit reporting companies are including number of credit inquires as a factor in computing my credit score. I have no control over whom is doing inquires and the frequency of those inquires. Further, several inquires were not related to actually applying for credit but only to check interest rates. These uncontrolled and frequent inquires are having a negative effect on my credit score which affects my ability to get lower interest rates.
Consumer complaint received 2021-06-29
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. (GA)

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-10
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. (MO)

On my experian credit report dated XXXX I have 3 collections accounts as follows XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX {$970.00} Balance updated XX/XX/2020 .... 

XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX BILLING {$66.00} Balance updated XX/XX/2020 None of these accounts are listed as medical debt, they are listed as collections, XXXX XXXX XXXX is listed as a charge off account and on XXXX   credit report has the account listed as a profit/loss writeoff
Consumer complaint received 2019-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Due to identity theft my credit file has numerous of unknown and unauthorized inquires on it. I'm demanding that these inquires be deleted immediately so that the 3 major credit reporting agencies can afford me my true report. Please delete the following inquiries : 1 ) XXXX XXXXcu ( XXXX ) 2 ) XXXX XXXX ( XXXX ) 3 ) XXXX XXXX XXXX ( XXXX ) 4 ) XXXX XXXXcu ( XXXX ) 5 ) XXXX Fcu ( XXXX ) 6 ) XXXX XXXX XXXX ( XXXX ) 7 ) XXXXXXXX XXXXcu ( XXXX ) 8 ) XXXX  ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX Bank ( XXXX ) 11 ) XXXX XXXX ( XXXX ) 12 ) XXXX Bank ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX ( XXXX ) 15 ) XXXX ( XXXX )
Consumer complaint received 2019-06-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC (IL)

I need some Help with a Collection Agency again that has placed an OLD account on my credit report from XXXX that was handled by the Federal Trade Commision ( FTC ) and all Three ( 3 ) credit companies in the last 3yrs.This is an account that was handled by Medicare in XX/XX/2016. Now another company has been contacting me Via Phone ( on National Do Not Call List/Mail threating to take me to court. Now has Placed it in Collections Again. From Three years Ago. XXXX XXXX..I, m on XXXX, XXXX Veteran and XXXX Survivor . The Company that has taken the account is : Dept Recovery Solutions,XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX. ( XXXX ) XXXX
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WI)

I have attempted four times to freeze my credit at Equifax.com, following the revelation that they had been hacked. Each time I was sent to a different page telling me they could not process my request or that I should mail them my personal information by mail and then they would process my request. They asked for my full Social Security number, which seems wholly unnecessary, considering they apparently possess a large amount of information about me. Time is of the essence if my info has been compromised. I also object to the suggestion by Equifax that I should have to pay for my credit account to be frozen when I did not ask for the company to include me in their for-profit information scheme. I understand that they may be experiencing high traffic at their website but that again is not really my problem. I want to freeze my credit profile and I do want to pay for the privilege.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CT)

- Reached XXXX credit limit of {$14000.00} on XX/XX/2022 - Made one time payment of {$9700.00} to make credit available on the account. This was done 12 days before my autopay for that amount was scheduled. 
- {$9700.00} amount was drawn from my bank account on XX/XX/2022. 
-I tried to make a purchase with this XXXX on XX/XX/2022 but it was denied. 
-I called customer service on XX/XX/2022 immediately after attempting the purchase. I was told that I had available credit but the payment of {$9700.00} made on XX/XX/2022 was frozen for 10 days. They said they could do nothing to reverse the freeze and could provide no specific reason for it. 
- I called my bank. They confirmed the payment to Citi and said they have no way to retrieve it. 
- So now Citi has close to $ 10K of my money while withholding credit access for 10 days which seems like fraud to me. 
- This is causing disruption in my life as all of my monthly payments for utilities, subscriptions, and donations are on direct payment schedules using this card resulting in hours of changing payment methods for all these creditors so my payments don't bounce.
Consumer complaint received 2019-06-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harvest Strategy Group, Inc. (TX)

XXXX XXXX plus account # XXXX was sent to a collection agency named Harvest. The phone number for the collection agency Harvest was provided to me by a customer service  representative from XXXX, Ive called Harvest at this XXXX several times, no one answers the phone and it will ring until eventually going to a voicemail, voicemail message asks you to leave a message with your contact info and a brief description as to what the call is about. I have left several messages ( at least 8 ), I have included in my messages my contact info and the account info for which I am calling about. I have yet to receive a call back from Harvest. All I am trying to do is settle my debt and have the negative mark in my account deleted, and have Harvest report to the credit bureaus that my account is paid in full. I am baffled at the fact that it is so hard to get to speak with someone at Harvest or even to get a phone call returned.