davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (GA)

This is in reference to my original CFPB case number XXXX with mortgage company Homebridge Financial Services , Inc. My attorney sent a letter to the mortgage company in reference to them not paying my property taxes when they are were holding my tax escrow. After they received the letter from my attorney Homebridge Financial Services , Inc. sold my mortgage to XXXXXXXX XXXX and now I am not able to get to them since I no longer have a valid loan number with them. Homebridge Financial Services , Inc. took a payment for XXXX and that is when my loan was transferred to XXXXXXXX XXXX. Now I am late with the new mortgage lender XXXXXXXX XXXX because the Homebridge Financial Services , Inc. will not send me my refund for the mortgage payment that they took from me for XXXX and I need to send that same money to the new company. In additional to everything that has happened I feel I have been discriminated on because of my accent. I have asked to speak with someone in their compliance department or even a supervisor and the representatives refuse to escalate my call and they pretend to not hear me because of my accent. I have been mistreated and the representatives have been rude and disrespectful in every single interaction.
Consumer complaint received 2019-11-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (CA)

National Credit Adjusters calls me from same or new number from same area code, never leaves a message. I've blocked numerous numbers but they continue to call almost daily. 

Here 's a list of recent numbers : XXXX XXXX XXXX XXXX To my knowledge, I owe them no money. Nothing on my credit report shows up. It's so frustrating to get repeated calls with no message, context, etc. 

Thanks!
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Debt was paid to XXXX XXXX XXXX  and they agreed to remove negative trade lines on the grounds i was never informed of the debt via my ex wife who was receiving notifications to the home i was court ordered to provide.
Consumer complaint received 2020-04-24
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (RI)

I have filed a complaint about Experian 's fraudulent credit reporting and now Experian is retaliating by lowering my credit score from XXXX to XXXX even as my credit and debt levels have declined significantly in the same time. I have paid off debt over the last 18 months and when I applied for a home refinance mortgage, which I have now received, I complained because Experian showed me a credit score of XXXX and showed my bank a credit score of high XXXX 's. I complained and without any change in my credit Experian has lowered my credit score two months in a row even as their information about my lower no debt levels have been used to justify lowering my credit score. 

The reason given in my credit score is " credit utilization ''. Basically, I had credit cards but no longer use them. I have a HELOC but the balance is going down. When my Refi kicks in and my HELOC is paid off I assume that Experian will decide that my credit score and credit utilization will result in credit dropping to XXXX?????? Is this really what a credit reporting agency is suppose to do when consumers improve their credit during the greatest depression on earth? Is this how credit agencies are suppose to act after promising to show constraint in the media? 

Experian is the only credit reporting agency that is promoting lowering your credit score using a promotion on TV called Boost. It is a  fraudulent ad that should be free to consumers who provide their own credit information to Experian to boost their score but in fact have to upgrade their account to receive it. This is FRAUD AND IT WILL NOT ACCEPT THAT THIS IS LEGAL. I WILL BEGIN TO FIND A CLASS ACTION LAWYER TO FILE SUIT AGAINST EXPERIAN FOR FALSE ADVERTISING AND BEGIN TO PUBLICLY SHOW THE FRAUD OF THIS FIRM.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I have requested repeatedly for the company XXXX XXXX and also XXXX, Equifax, and XXXX to validate the debt that keeps sending to me claiming that I owe. I have since sought legal counsel since my requests are going ignored which is a violation of my rights as a consumer. This company XXXX XXXX is not licensed to collect in the State of Tennessee. I have asked for them to repeatedly send their licensing information to prove that they are licensed to be contacting me about paying a debt. I have also asked all 3 credit bureaus to validate this debt. I can tell that a proper validation was not done because if they did they would know that this company can not pursue debt buyer and debt collection activities in my state of residence which is Tennessee. I have attached all paperwork for review of XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX
Consumer complaint received 2018-09-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Central Holdings, LLC (AL)

On XX/XX/18 my husband obtained an installment loan with Credit Central for {$1400.00} and paid it off in full on XX/XX/2018. I have nor my husband have not had any other loan or done any other business with Credit CentraXXXX since. On XX/XX/182018 an employee of Credit Central knocked on my door at my home asking for my husband and stating that he obtained a loan in XXXX. My daughter informed her that XXXX XXXX was not home to which she stated that someone needed to call him. My daughter told her that she would not be calling him and attempted to close the screen door but the employee stopped the door and stated that either we could call him or she would just be sitting outside. She walked back to her car screaming get him on the phone with explicits and my daughter closed the door. I walked outside and informed her we did not have an active loan and asked her to leave my yard. She begin yelling explicits and stating you should have paid your loan. She then proceeded to degraded me call me broke and even went as low as to calling me XXXX slurs. By this time my neighbors had come outside. The whole thing was highly embarrassing. As she drove away she rolled down her window and stated that she would be back and have her guys with her. I have never been through such a disturbing experience in my own home. I called the store to which they admitted that we did not have an active loan and they were looking for a family member who does not live in my home. The way they degraded me and my family and even threatened to come back to do it again is unacceptable. Please help.
Consumer complaint received 2018-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC (PA)

The said company has sent a " signature '' apparently of myself with a orthodontists office which is in question. 

The complaint is that I owe NO money to RRS. I am asking for proof that we have a signed contract together and that I owe them money. 

To date, they have not shown me such document ( s ).
Consumer complaint received 2018-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NC)

Unfair deceptive practices. Complained about insurance not covering what Im paying for, retaliation for filling complaint by having credit reduced 2 times when account was paid off completely. Asked for a copy of credit review was told cant have company only keeps for 6months. Rep kept referring to other customers account and I was only calling about my account and was was going on with my account. Paid accoynt on XX/XX/2018 and XX/XX/2018 XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. Account was reduced to XXXX called rep advised that my account would be back at credit XXXX since it was paid in full. Not true sent secure message to complain and close account. Message sent back from new york company stating reduced credit due to non payment. Called into call center complained. Received a letter dated XX/XX/2018 on XX/XX/2018 saying credit was reduced again to XXXX  this time due tan an review which seemed to happen after I complained and filed another complaint.
Consumer complaint received 2019-11-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (AR)

I'll be short and sweet. Having undeniable, objective financial difficulties. Asked Flagstar Bank for help with mortgage payments, supplied a mountain of paperwork and proof of my hardship ( s ), and was denied. Appealed, and denied again. The reason? Because I'm not more than 30 days late on my mortgage, which I actually am. How would a few more days make any difference? 

Hmmm ... I meet the criteria, I provided the proof, I get denied. How similar my situation looks to at least one multi-million-dollar-lawsuit. Oh, you want links? Here you go! 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-flagstar-bank-for-violating-new-mortgage-servicing-rules/ https : //www.hbsslaw.com/cases/flagstar-mortgages https : XXXX https : XXXX https : XXXX And here is Flagstar 's STELLAR, one-star cumulative ranking at consumeraffairs : XXXX XXXX XXXX An exceptional company is defined by how it handles its exceptions.
Consumer complaint received 2018-09-18
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)

XXXX XXXX called us about a credit card account inquiry last week. They didn't open it because it didn't seem right and they couldn't verify the information. We told them we didn't apply for a XXXX XXXX so they said they would remove the inquiry. They gave us a reference number XXXX. 

We called to ask when they would have it removed and they told us probably within 90 days. They sent us a letter with a reference number on it. Telling us to place a fraud alert on our report. Which we dont want to do because we are going to get a Business Loan and Mortgage right now. 

We have been bounced back from XXXX to Each Credit Bureau saying to call the other one etc. We just want this off her credit report asap.
Consumer complaint received 2022-08-11
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: EQUIFAX, INC. (GA)

This information reporting agency, is reporting inaccurate information of my behalf, it is a defamation of character, and a hinderence of me getting approved for loans, credit card, utilities, etc. It is not an accurate reflection of my true credit worthiness. I have tried to resolve this issue with the agency multiple times, I have sent two seperate letters before filing this complaint on this matter. They will not comply with the law. They will not cooperate with me to resolve this matter. I wrote a letter to this agency stating that the followings items were reported inaccurately on my credit report- account- XXXX  XXXX XXXX {$3200.00}, XXXX XXXX  XXXX {$10000.00} XXXX Bank of XXXX {$1300.00} XXXX They said it was verfied as accurate reporting which is false, then I wrote a second letter asking them for the method of verification which under 15 U.S. Code 1681i - Procedure in case of disputed accuracy they must provide that information to me, and they refuse to not provide this information and still will not remove the unveriable items.
Consumer complaint received 2019-11-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

XXXX denied Deferment due to deferment time already being used in previous 3 years when applied. 

XXXX issued a letter to me stating " deferment denied '', reference Navient letter dated XX/XX/2019 # XXXX XXXX XXXX XXXX, which I posted to ALL three credit bureaus to requested they correct their documents for my credit report. 

XXXX also in parallel issued a deferment of accounts to all three credit bureaus, which resulted in a 53 point drop in my credit scores, while issuing a denial letter to me. 

To be clear, I do NOT have a deferment with XXXX, it was denied, but reported to the three credit bureaus, resulting in a 53 point drop in my credit scores. 

I requested to XXXX to correct their records between the credit bureaus and Navient, they refused. 

I requested Experian, XXXX  and XXXX   correct my credit with the denial letter from XXXX. 

Experian has refused to correct my credit score with the certified letter from XXXX stating that the deferment was denied, and notes my accounts as deferment granted, which is incorrect for the deferment was denied. 

XXXX has corrected my score with the XXXX   letter presented to them, and raised my score 53 points after incorrectly reducing my score as described above. 

XXXX  has not responded to date.
Consumer complaint received 2019-11-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX denied Deferment due to deferment time already being used in previous 3 years when applied. 

XXXX issued a letter to me stating " deferment denied '', reference Navient letter dated XX/XX/2019 # XXXX XXXX XXXX XXXX, which I posted to ALL three credit bureaus to requested they correct their documents for my credit report. 

XXXX also in parallel issued a deferment of accounts to all three credit bureaus, which resulted in a 53 point drop in my credit scores, while issuing a denial letter to me. 

To be clear, I do NOT have a deferment with XXXX, it was denied, but reported to the three credit bureaus, resulting in a 53 point drop in my credit scores. 

I requested to XXXX to correct their records between the credit bureaus and XXXX, they refused. 

I requested XXXX, XXXX and TransUnion correct my credit with the denial letter from XXXX. 

XXXX  has refused to correct my credit score with the certified letter from XXXX stating that the deferment was denied, and notes my accounts as deferment granted, which is incorrect for the deferment was denied. 

XXXX has corrected my score with the XXXX   letter presented to them, and raised my score 53 points after incorrectly reducing my score as described above. 

TransUnion has not responded to date.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2018-09-18
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: Bread Financial Holdings, Inc. (NJ)

On approximately XX/XX/2018, I received a billing statement from XXXX XXXX/XXXX at my Mother 's address. I have not resided at that address for over 3 years, in fact- I live in a different city entirely. Apparently, the person who applied for this credit card did so in Puerto Rico- I do not live nor have I ever visited Puerto Rico . They also used {$490.00} of the {$500.00} limit. I did call XXXX XXXX and filled out a document that they sent to me- I made a copy of same and also have the XXXX XXXX statement at home. They also indicated to me that the number that they had on file, associated with this account, was not even my phone number! Yet, when I tried to dispute the card on XXXX, they had the audacity to say that " the information is accurate. This item was not changed as a result of our processing of your dispute. '' Absolute nonsense- additionally, I have set up a fraud alert should anyone try to open any new accounts under my name.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (OH)

PPC just responded MY PREVIOUS CFPB COMPLAINT and said due to my XXXX  impact they would remove all negate reporting and late fees and my best payment would be due XX/XX/11. Well, my reporting for XXXX just reported out 90 days late while XXXX reported current!!! My husband died from this XXXX  and I can not get a loan to pay for his fureral because of my credit!! Also - they 100 % failed to acknowledge the fact I am one person who no job because of COVID with XXXX kids. I do not have {$190.00} by XX/XX/11. I can not not even do XXXX for my kids. I asked for PPC to settle this account with me at a reasonable amount! Most of what I owe is interest anyways! I am waiting on unemployment which who knows when that comes in and that is going to hardly cover my bills let alone leave extra to take care of my family. I hope to be able to afford {$50.00} per month which is what I was paying before loss of job and COVID. XXXX is the only company that has worked out this sort of arrangement with me! They took my interest to ZERO and settled my account! THE CFPB needs to take action and make these companies help was people are have no control over what happened! These companies only care their income and not about the people!
Consumer complaint received 2020-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : CAPITAL ONE BANK USA NA # XXXX, XXXX  # XXXX.
Consumer complaint received 2019-11-01
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. (IL)

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX   XXXX not mine XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX not mine XXXX/XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX   XXXX {$180.00} not mine XXXX XXXX XXXX   XXXX {$140.00} not mine XXXX XXXX XXXX {$3000.00} not mine XXXX XXXX XXXX XXXX {$820.00} not mine XXXX XXXX XXXX XXXX {$580.00} not mine XXXX XXXX XXXX XXXX {$1000.00} not mine
Consumer complaint received 2019-11-01
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. (AL)

I have been victimized by your company reporting erroneous information. After several attempt of trying to rectify the matter with your bureau in civil manner, my attempts have been unjustified and ignored violating the FCRA and my rights as a consumer. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I  have made.
Consumer complaint received 2017-08-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

The modification makes the amount due more than the value of my home. If I died ( I 'm XXXX ), and the home was sold tomorrow my estate would be liable for the balance on the loan ( XXXX ) and the balloon payment of XXXX, XXXX. At the time I fell behind I had about 25,000 in equity principal balance was around 57,000, in the new modification, I would be underwater.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit bureaus are still reporting inaccurate information on my credit report I contacted them once and they investigation didnt do nothing at all
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

I have a couple personal accounts as well as a hand full of business accounts with Chase Bank. Because of the amount of funds in the combined accounts, I am not to have any bank fees. Chase was to link the accounts together to prevent this from happening. I have been having fees on some of my accounts and every time I go in there to address the situation, they refund the fees and say the accounts are now all linked together. This has been going on for a handful of years and I have went to Chase multiple times to address this situation. They stated that they have record of this. This last time I contacted Chase and made a big deal about the fees. The branch manager made a complaint with chase. I received a call from the complaint department. After going back and forth for a couple of weeks, they stated that the bank accounts are now linked so I will not be receiving he fees but they can not return the {$2800.00} in fees because the fees were noted on my bank statements and it was my responsibility to notify them in a timely manor. They have not shown to me what the time frame is to notify them for fees illegally taken from my account. Furthermore, I have notified them multiple time which they state they have record of. 

Because of Chases mistakes in linking the accounts togethers, they have been taking funds from my accounts without my permission ( about {$2800.00} ). Once they realized it was a mistake on their part, they addressed the linking issue then stated its my fault that they took my money. In a normal world, this would be considered theft as its a mistake on their part.