davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

LOANCARE SERVICING CTR {$490000.00} <1 % paid off 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/2019 Account type Conventional Real Estate Loan, Including Purchase Money First Balance Loan Amount {$490000.00} {$490000.00} Payment Info Status Current, was past due 30 days Updated on XX/XX/2019 Past due amount - Original loan amount - Monthly payment {$2700.00} Late payments XX/XX/2019 You've made 96 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 On Time 30   Days Late THE ABOVE MENTIONED MORTGAGE HAS BEEN REPORTING INCORRECT 30 DAYS LATE AND THEY ARE NOT ADMITTING, THAT THEY WERE ARE FAULT. MY INFORMATION WAS FRAUD AND INCORRECT. BY THE TIME WE FOUND OUT THE 30 DAY  LATE, IT WAS TOO LATE, DAMAGED OUR CREDIT SCORES AND REPORT. WE VERIFIED THEY HAD WRONG CONTACT, MAILING, EMAIL INFORMATION. WE DID NOT RECEIVE ANY TYPE OF CONTACTS. WE FOUND ABOUT THE LATE WHEN WE WERE BUYING A CAR. WE CONTACTED THE MORTGAGE COMPANY AND STILL WE ARE BEING BLAMED FOR.
Consumer complaint received 2022-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (PA)

IN SUMMER  OF XXXX I NOTICED THAT MY CREDIT SCORE HAD DROPPED ABOUT XXXX POINTS. AFTER INVESTIGATING, I REALIZED THAT MY XXXX LOAN WENT INTO REPAYMENT, ALTHOUGH THIS WAS A GOVERNMENT LOAN. I CONTACTED UAS CONNECT AND THEY TOLD ME THEY COULD NOT RECOGNIZE THIS AS A GOVERNMENT LOAN. I ENDED UP PAYING OFF THE BALANCE OF THE LOAN ( APPROXIMATELY {$730.00} ) ON XX/XX/XXXX. I HAVE A BANK STATEMENT THAT REFLECTS THE WEB PAYMENT TO UAS XXXX. THINKING THAT I WOULD NO LONGER HAVE TO WORRY ABOUT THIS LOAN, I NOTICED THE ACCOUNT WAS STILL OPEN WHILE REVIEWING MY CREDIT REPORT. I CONTACTED UAS AND THEY TOLD ME XXXX WAS NOW IN CHARGE OF MY LOAN AS OF XX/XX/XXXX. I CONTACTED XXXX AND THEY HAD NO RECORD OF MY PAYMENT AND TOLD ME TO CONTACT UAS CONNECT. XXXX ALSO TOLD ME THAT THEY RECOGNIZE THE XXXX LOAN AS A FEDERAL LOAN AND IT SHOULD NOT HAVE ENTERED INTO REPAYMENT ( DUE TO COVID PUSHING THE LOAN REPAYMENT TO XX/XX/XXXX ). I HAVE NOW BEEN DEALING WITH UAS FOR 5 MONTHS TRYING TO SOLVE THIS ISSUE. I HAVE BEEN PROMISED PAID IN FULL LETTER, FALSE PROMISES. I HAVE SENT MULTIPLE EMAILS WITH THE BANK STATEMENT REFLECTING THE PAYMENT OF THE LOAN, AND EACH TIME I AM TOLD THIS WILL BE REVIEWED AND I WOULD HEAR BACK IN 7-10 BUSINESS DAYS. WEEKS GO BY, NOTHING. I RECENTLY ASKED TO SPEAK TO A SUPERVISOR AND WAS TOLD THAT A SUPERVISOR WOULD CALL ME BACK, NEVER CALLED ME.
Consumer complaint received 2020-09-14
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)

I attempted to obtain credit cards from XXXX, XXXX, XXXX, etc. They informed me that EQUIFAX had collection items on my report. My request for credit was denied. Two of the items were placed by XXXX XXXX XXXX XXXX  XXXX XXXX. They apparently were for medical services. I was completely unaware of the collection items. XXXX XXXX are supposed to submit any claims to my health insurance company, XXXX XXXX XXXX XXXX. The amounts were for {$160.00} and {$1700.00}. They did not. I had requested reports from XXXX XXXX. Bur they reported me to EQUIFAX instead. There is also another item on the credit report that is completely unexplainable - to wit " revolving credit '' /
Consumer complaint received 2021-08-13
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. (MS)

Late payments : Account Name : XXXX Account Number : XXXX Dates of late : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX I remember paying this account on time. I am not sure how I was late in XXXX, XXXX, and XX/XX/XXXX, it didn't even match the creditor 's records. 



Account Name : XXXX XXXX Account Number : XXXX Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I do not recall being late in those months. This was paid on time, I am not sure how the credit bureaus do their investigation but I've disputed this account a couple of rounds of letters now and the bureaus are still not updating the reporting of this account. 



Account Name : XXXX XXXX Account Number : XXXX Dates of late : XXXX, XX/XX/XXXX I do not recall being late in XXXX and XX/XX/XXXX. My statements could have been delayed during these months, but this has always been paid on time. 


Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Dates of late : XX/XX/XXXX and XX/XX/XXXX I was not late in those months. I have paid this on time.. This needs to be corrected.
Consumer complaint received 2019-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Hi, I have a very urgent matter once again due to a foreclosure sale on XX/XX/2019. FOR A LONG TIME NOW IM STILL HAVING TROUBLE GETTING A HOLD OF SOMEONE AT THIS COMPANY. EVERY TIME I CALL AND INPUT MY ACCOUNT NUMBER IT GOES STRAIGHT TO VOICEMAIL AND NEVER CONNECTS ME TO ANYONE AT BAYVIEW. This is a very very big problem and issue as I can not speak with anyone and do not have a direct contact to a person. I applied for a loan modification to Bayview Loan Servicing , LLC numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing , LLC to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social security number, it rings couple of times and then it goes straight to a common voicemail. It says thank you for calling the underwriting department please leave a message or set up a time to call you back. Ive tried multiple times to set up the call back and never got a callback and the other times their phone system just hung up on me. I would try this couple more times at different times in the day and get the same results. These are the numbers I have called to get in contact with anyone at Bayview Loan Servicing , LLC : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all and each phone number has the same process. As soon as I input my loan number it seems like their system registers my loan number and does not transfer me to a live person at Bayview Loan Servicing , LLC but transfers me straight to a voicemail. I feel like this is international so that I would not be able to speak with any of the Bayview Loan Servicing , LLC representatives and to prevent me from getting a loan modification. This feels like a very big problem that they do this. I can not speak with anyone regarding my loan thus iam not able to know the status of the loan modification and I can not move forward. In the past I had this issue as well and it has not been addressed. In the past this has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. But now it does not work and it goes straight to a voicemail which even after leaving voicemails to be called back I never get any call backs. If Im not mistaken Bayview Loan Servicing , LLC is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.
Consumer complaint received 2019-08-23
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: Experian Information Solutions Inc. (CT)

I tried to make multiple payments through XXXX XXXX XXXX   payment system. My payments never made it to my bank but they say the payments were returned. XXXX   XXXX marked my account 30 days late. I spoke to five different representatives and they all were unhelpful. XXXX XXXXXXXX has had issues in the past accepting ACH payments. This company has failed in customer service as well as failing to update account information.
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KY)

After doing several disputes with Experian. I am still not getting the investigation that I asked for. By Experian not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to Experian asking for validation. The information was completely ignored by Experian. My Address is not XXXX XXXX XXXX. I ask that Experian do a complete investigation before reporting false information.
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Innovis (IN)

On XX/XX/XXXX " Cbcinnovis '' conducted two back to back hard credit inquiries on my XXXX  credit reporting account. On that same day, they also submitted a hard credit inquiry on my XXXX account. I believe this is all connected to an inquiry for service with XXXX ( XXXX XXXX XXXX   XXXX XXXX, KS ) on XX/XX/XXXX. Who also conducted a hard inquiry on my XXXX account on the XX/XX/XXXX. At the time of inquiry, I learned that XXXX was not servicing my area - so I don't know why I now have four hard credit inquiries across two credit reporting agencies for service that was never provided or even possible to provide. I'd like for them to be removed, as they are adversely impacting my credit scores.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

Hello, I stayed in a hotel in XXXX, OH in XXXX of 2021, despite my digital receipt stating " breakfast for 2 is included in my stay '' it actually was not, I made a purchase on a third-party website it's called XXXX just prior to coming and addressed my disappointment to a front desk clerk who stated that information on what's included and what's not is often updated on a hotel website and this site XXXX failed to do so, he advised me to contact XXXX to resolve an issue. It was late night and I decided to email them expecting to receive a response by the next morning when I wake up but I never got a response. I did in fact email them 3 times but have gotten absolutely no response. Upon coming back to XXXX XXXX XXXX I felt really offended by them ignoring me and filed a dispute with Best Buy Credit Services who were requesting more evidence I even provided them with the hotel address and telephone for them to ensure I'm telling the truth but at the end, they said they can not recover money now because it has been too long.
Consumer complaint received 2020-09-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Point Digital Finance, Inc. (AZ)

I closed with The Point ( a shared equity loan company ) in XX/XX/2020 and the amount I owe them depends on my home value and the length of timne I have my loan. I am trying to pay them off now to get the amount to a minimum but no one will take my calls or answer my questions for two months. In XXXX I emailed their company asking for a payoff amount. No one contacted me back. In XXXX and XXXX I emailed also. No one contacted me. I am refinancing my home with my current lender to pay off the point and it is now XXXX and we are closing this month but they need the pay off amount and info. I called the Point 6 days ago and was told " that dept is unavailable and they will call you back ''. No one ever called me. I emailed that dept directly with my appraisal report but never heard back. I emailed the president of the company today and havent heard back. I called the customer service for the point today and was transfered to a voicemail where I left a message. Still haven't heard back. Since the more time that goes on increases the amount I have to pay, I feel that they are ignoring my requests for a payout in order for me to owe more money. I need the government to step in and help please.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

After learning about the power in my credit report I realized I have a large amount of unauthorized inquiries on my report. I have disputed unauthorized inquires on my credit report for over a course of 6 months. The inquires have not been removed or deleted with out any verifiable information. This is hindering me from gaining financial leverage. The credit bureaus have done NO investigation into this matter nor provided any proof. 

XX/XX/XXXX was one of the last disputes I filed before making this complaint and I have heard nothing back from the company at this point they are ignoring my request ... the unauthorized inquiries have no open accounts attached to them nor do I know where they came from ... 

for example XXXX XXXX  for XXXX XX/XX/XXXX ran a hard inquiry on my report with out my consent and has left an inquiry that will not be removed.. I have asked to company to remove it ... I have now closed that account due to the shady busy. 

the following attachments will be the full lists of inquiries on my report the are unrecognized and unauthorized.
Consumer complaint received 2019-08-23
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. (GA)

ALL 3 CREDIT REPORTING AGENCIES CONTINUE TO REPORT FALSE INCORRECT INFORMATIOM XXXX XXXX   XXXX XXXX..NEVER HAD ANY BANKRUPTCY
Consumer complaint received 2022-01-19
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. (TX)

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury also defamation of character. I can't get a job nor can I apply for credit.
Consumer complaint received 2019-08-23
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: SYNCHRONY FINANCIAL (NJ)

My wife and I went to XXXX XXXX XXXX in NJ on XX/XX/19 and we purchased a Dining room set and Rug. 
The receipt says 5 year warranty. They told us we could finance the purchase with no interest. They arranged the financing through Synchrony Bank aka Synchrony Financial. They opened a credit line up to {$7000.00} but the items we purchased came to {$3900.00}. The items were delivered on XX/XX/19. Later in the day we smelled a terrible toxic smell from the table and chairs. We called the merchant the next day. My wife has XXXX and she had to use the XXXX several times in the night. The merchant told us to open the window, and let the wood air out and it would go away. The smell never went away, and it began to smell up our entire house. We kept calling the merchant, and he was ignoring our calls. Finally we went to the store on XX/XX/2019 to demand that they take back the furniture. The manager cursed at my wife and said some terrible things to her. On XX/XX/19, the merchant sent 2 men to pick up the items. They showed us a paper that said exchange, and we crossed it out and put return. They refused to give us a copy or receipt of the pick up. We have a video of them picking up the items. The Mgr. wanted us to come back and select different furniture. We refused because of the way he treated us and insulted my wife. During this time, we notified Synchrony Bank of the dispute and they asked us to make a small payment while they investigated. We refused because the merchandise was toxic and returned. Synchrony did an investigation and wrote us a letter that said we have to pay the {$3900.00} because the merchant told them we still have the furniture. The Merchant sent them a false reply indicating that we still have the furniture and they are waiting for us to come in and do an exchange. The is not true, we did not exchange, we RETURNED. Our attorney tried to speak with Synchrony on XX/XX/19 while we were present, but they refused to speak with her, although I gave them verbal authorization while we were all on the phone. They said that I had to MAIL in written authorization, They refused to give me a FAX Number or email. They gave us the mailing address. This is a bad practice. We know that the merchant was paid and now he's trying to get us to buy something else from him. We are disputing the debt and they are making it difficult for us. My wife sent them the video of the pick up and they said it wasn't clear. Our attorney saw the same video and she said it was very clear.
Consumer complaint received 2019-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (AL)

This year out of the blue I receive a letter from HUNTER WARFIELD INC XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have never heard of this company nor ever had a contract with them. I sent a letter asking them to provided proof I own them a debt. They did not comply and next thing they did was report on my credit report as a collections. I never had a contract with the company nor gave consent for them to report on my credit report. I want them to cease and desist any further actions and to remove any negative remarks off my credit report.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Experian Notified Experian about the following inquires and asked for a deletion. 
They are not mine and company refused. 

XXXX XX/XX/18 Inquiry XXXX XXXX, XXXX. XX/XX/18 Inquiry XXXX XX/XX/18 Inquiry
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX, XXXX, XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, WI XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, WI XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2020-12-12
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. (CA)

I disputed all the way back in the XX/XX/XXXX and have yet to receive any indication of my disputes being started. I feel like I'm being toyed with and ignored of my disputes. It's been over 45 days at this point and still nothing. If I'm not mistaken, if these inaccurate unverifiable items aren't investigated within 30 days they should be removed. I was also a victim of the XXXX  date breach. Please resolve this in a timely matter. I will be attaching my original disputes.
Consumer complaint received 2019-08-23
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. (CT)

I received a second credit card from XXXX XXXX. Upon receiving the card I filed it away. Several months later, I received an e-mail from Experian Credit Service which I subscribe to alerting me that a 60 day late was reported to my credit report. Upon investigating this I discover it was fees being charged on the new XXXX card which was never used. I then called XXXX and I was told the card was issued paperless billing and I never received an e-mail from XXXX which they acknowledged and I was credited back late fees. I have attached a copy of the recent statement which displays the credit. 

I then asked XXXX to removed the 60 day late since it hurt my credit rating. They told me their was nothing they could do and I would have to file disputed with the three bureaus. I began with Experian since I have an account with them. I could barely understand the person I talked to. I then went to XXXX and XXXX websites which turned out to be traps to join their service before I could submit a dispute. 

I then called XXXX back and it was clear the person I was speaking to XXXX.