davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Synovus Bank (FL)

My loan became past due in XX/XX/2019 after my husband and I were in a fatal accident. I was in a hospital and rehabilitation for months unaware of my husbands death. In XXXX I reached out to XXXX XXXX of XXXX FL for foreclosure prevention assistance. In XXXX I meet with XXXX XXXX XXXX XXXX XXXX XXXX XXXX who also has a 2nd mortgage on my home. They are ready and have agreed to pay up to {$20000.00} of my past due balance. I've been getting the no where with Synovus Mortgage or the attorney assigned XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX. I've been told in writing by Mr. XXXX that Synovus has agreed to allow me to assume the loan and that no credit report/score is required. Two months has passed I have no information on being able to assume the loan ; the only way XXXX can make the payment on my behalf I must have the loan ( mortgage statement ) with my name on it. When I call Synovus they direct me to the attorney, when I call him he is not available or can not provide any progress on my case. I was notified by XXXX at Synovus XXXX they plan to sell my loan to another servicer. My goal is to bring my account current with Synovus before any transfers happen ; I don't even know if they have put the loan in my name. They also mentioned needed a subordination for the 2nd mtg, the 2nd mortgagee is XXXX XXXX XXXX XXXX and XXXX XXXX. This is the same agency with funding to pay the past due balance, they have no problem subordinating. The issue is the lender and attorney are not communicating in a timely manner and they are not on the same page. I can afford to pay my mortgage going forward ; I just need the proper information to get the mortgage brought current and have a agency willing to help. Can you please get Synovus or their attorney to respond to my requests? XXXX XXXX XXXX
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX Balance Owed : {$24000.00} - I was very sick and was affected by COVID. Please update late payments on this account. 

XXXX XXXX Balance Owed : {$8800.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. 

XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020.
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX/ {$430.00} / XX/XX/XXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX
Consumer complaint received 2020-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I have been a homeowner since XXXX. I dealt with several financial institutions and I have never seen any of them including XXXX XXXX that transferred my mortgage account to Specialized Loan Servicing ( SLS ), adopt the escrow calculation methods adopted by SLS. I am certain that many are loosing their homes due to such practices. 

My loan was initially modified in XXXX by XXXX XXXX to allow me to maintain my home. The monthly payment was around {$2300.00} then. Since SLS took over, it has been catastrophic due to their ambiguous escrow calculation methods. SLS has been servicing my mortgage for less than two ( 2 ) years and my payment has increased to more than {$600.00} with an unchanged property tax amount. For example : The escrow analysis reveals, XXXX XXXX XXXX Pin + interest {$1700.00} {$1700.00} {$1700.00} Escrow Payment {$57000.00} {$590.00} {$1000.00} ( double ) Shortage amount {$93.00} {$270.00} {$110.00} Annual Escrow paid {$3900.00} {$8000.00} {$10000.00} Annual Escrow Paid out {$2600.00} {$7100.00} {$7400.00} Current Payment {$2300.00} {$2500.00} {$2900.00} Why the increase of the escrow amounts if the property tax or the property insurance has not changed? Why the increase of the escrow amounts if the shortage is being collected as well? I was told by other lenders that if the shortage is paid in full, there will be no increase in the monthly payment, unless there is a change in County Tax or property insurance. It has not been the case here. 

The escrow analysis of XXXX was conducted based on {$13000.00}, {$5700.00} X 2 +  the property insurance amount. They have indicated that they paid out {$5700.00} in XXXX and XX/XX/XXXX for property tax, and when I contacted the county, I  was provided with a proof of only {$5700.00} received in XXXX. They had no records for XX/XX/XXXX payment. I have to emphasize that my annual property tax cost was {$5700.00}. 

I contacted SLS last in XXXX and discussed the issue with a Representation on XX/XX/XXXX, that was not able to identify the discrepancies.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally requesting Transunion to block an inaccurate, invalid, and fraudulent bankruptcy public record from displaying on my credit report. This bankruptcy was not initiated by me ; it is a consequence of identity theft. I urge Transunion to eliminate this false bankruptcy entry promptly. 

Transunion has stated that I have not provided sufficient identification to proceed with the bankruptcy dispute. However, I have sent copies of my identification and the FTC identity theft report to Transunion via USPS certified mail multiple times in recent months. I am attaching the necessary identification documents to this message, along with additional evidence, to prevent any further complications. 

In the past, Transunion asserted that the bankruptcy had been verified as accurate, despite my repeated explanations that it is a result of identity theft and not filed by me. Despite providing substantial documentation and evidence to support my claim, Transunion has failed to remove this inaccurate and fraudulent bankruptcy record from my credit report. 

Transunion claims to verify records using XXXX XXXX as a source, but my credit report with XXXX XXXX has been frozen, thus preventing any information from being shared with Transunion. This clearly indicates that Transunion 's verification process with XXXX XXXX is flawed. I urge Transunion to promptly rectify this error and remove the fraudulent bankruptcy record from my credit report.
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2017 my cc was lost reported right away to the company. Finding out 3 wks after my account was closed due nsf.But did n't find out truth them I find truth XXXX monitoring my credit .I contact right away as well to my bank XXXX and no records of any nsf.Call them bank and was showing my cc was used and was attempt of 3 payment on XXXX different checking accounts by more than obviously was a fraud case talk with 4 different supervisors nothing resolve even with a police report from XXXX COUNTY XXXX .Once again yesterday I broth this to their attention finding out accept never was report lost and they never took te police report now my credit is been affective
Consumer complaint received 2020-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (TN)

Today I received a notification from my credit monitoring service that this interloper has reported that I owe them money for a gym membership that I cancelled. I cancelled this gym membership last year but the company still continue to try and charge my credit card without my authorization. I had to actually cancel my credit card and get another card issued.
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  XXXX XXXX erroneously closed my credit card account last year then reinstated it since they made the mistake. This active credit card still shows the account was opened in XXXX, but the XXXX  XXXX XXXX XXXX, ending in XXXX, is nowhere in my credit report. Since it is the oldest account I have, I need it to show in my credit report, but it doesn't show up anywhere. I spoke with XXXX  XXXX XXXX last year, but they said they don't have to report it. Please assist me. I am trying to refinance my mortgage, so the " oldest '' account currently shows as my current mortgage I opened in XXXX. I need my credit to show I have had a credit card in perfect standing since XXXX. Thanks so much!
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX/Navient and XXXX XXXX XXXX loans. My Navient loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I was never notified that this happened because I moved, nor was there any worries about making payments since XXXX XXXX approved a loan forbearance. I disputed with Navient that I had XXXX student loans in forbearance and XXXX XXXX placed them in forbearance as well ; yet, when XXXX XXXX sold loans to Navient, Navient did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance XXXX Declaration.pdf for forbearance dates that XXXX XXXX agreed to honor ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at Navient on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of my XXXX and XXXX report for reference. **Update : I reviewed my credit report and the Charge-Off in XX/XX/XXXX seems to have fallen off ; however, as retaliation XXXX has reported a " Failed to Pay '' in XX/XX/XXXX. The account was consolidated and XXXX was Paid in XX/XX/XXXX. Also, this is the same dispute I have with XXXX XXXX XXXX. I have attached their response ( XXXX Response.pdf ) for reference. Please note the XX/XX/XXXX date that XXXX has been reporting delinquent, but was not the account holder until XX/XX/XXXX.
Consumer complaint received 2022-04-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {$0.00} / XX/XX/2017
Consumer complaint received 2020-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am mainly filing this complaint on Transunion, XXXX. Transunion, XXXX  has failed to follow the law according to FCRA requirements. 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. XXXX  XXXX XXXX has failed to send the original signed consumer contract. If I have failed to get proper documentation how can Transunion, XXXX  say these accounts are verified and meet FCRA requirements. Transunion has continually failed to comply with Section 609 ( a ) ( 1 ) ( A and has stopped me from attaining new credit with the erroneous accounts on my report. I have attached all corresponding mail from XXXX XXXX XXXX.
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I became aware of this account when I was in college and pulled my credit report for a new apartment. That was the first time I reported this account as fraud and filed a dispute. I have also spoken with the original creditor both XXXX and XXXX to notify them that I did not open this account and it had to be some sort of fraud activity. That was also when I locked my credit report. Since then over the years I have disputed, and called numerous times to get this taken care of and resolved. Now I have been receiving numerous calls from debt collection numbers hassling me to pay these funds that I never received in the first place. I will now be taking this to litigation
Consumer complaint received 2020-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DP OF EDUC XXXX {$12000.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$200.00}
Consumer complaint received 2022-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX  Acct # XXXX and Acct # XXXX, have 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 : states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-07-18
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. (NV)

I am a victim of identity theft and I have not applied for these accounts and inquires that are listed on this identity theft report. Please delete all this information from my credit report.
Consumer complaint received 2021-08-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.

I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (GA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX 2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my credit report with the credit reporting agency Trans Union ) and noticed that they were reporting a bankruptcy on my reports. under my name. I have sent a few letters inquiring about how they came up with my name and that I had allegedly filed for bankruptcy. 

On XX/XX/2020 - I sent Trans Union my first letter inquiring about how they got the information, ask them for proof that their information is accurate, in other words, " validation '' Because to my knowledge and investigations. any information that appears on a credit report " must be 100 % accurate, and verifiable '' there is another word but it doesn't come to my mind right now. 

I write to them again on XX/XX/XXXX, XX/XX/XXXX. and they finally corresponded by saying it was verified. But I contacted the bankruptcy XXXX that is on the credit report and they sent me a letter saying that they do not share any information with anyone so they have no idea of how my name is in this matter. 

Trans Union only said that it was " verified '' but provided absolutely no proof as to why my name is involved in this matter. Can you assist me in clearing my good name please?
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

The collection company have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2020-05-04
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. (WV)

On XX/XX/2020 a hard inquiry appeared on my Equifax credit report that I did not authorize. I contacted Equifax, who informed me to file a complaint with the FTC. This was a fraudulent inquiry. I absolutely did not apply for credit with XXXX.
Consumer complaint received 2020-05-04
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: Experian Information Solutions Inc. (NV)

When I call XXXX XXXX and Experian They notice that I have a SECURITY FREEZE on my file as of XX/XX/ 2018. 

There is a PIN number provided when you open a security freeze that has to be given in order to lift the security freeze. 

XXXX Experian and XXXX Isn't asking for my PIN number anymore. Stating they don't have too. 
Allowing access to everyone! 

Please note : I had a friend call while in front of me and my PERSONAL INFORMATION was given to that person!
Consumer complaint received 2023-01-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report again, I realized that some of the information was erroneous. 
Please investigate this account : XXXX / XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2020-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CO)

I was ordering a TV and was presented with a special offer for a Best Buy Visa through Citi. I proceeded with the application and was approved and completed the order. Shortly after I received notice that the new card was declined. I called Best Buy and they referred me to Citi. I called Citi and they asked for my phone number, which I provided. I was then transferred to the fraud department. The agent told me that my phone number didnt match their records so they couldnt open the account. I explained that Ive had this phone number for 8 years and have not had the other number since that time. She said she would do a public record search and came back and told me she couldnt find the number. I asked if we could verify my identity using other personal details and I was told no - they can only verify using my phone number on public records. 

First Im very concerned that Citi is claiming to only be able to verify my identify by using a phone number, which can easily change, offering no alternative for verification. 

Second Im concerned that they are using a public number that anyone with a phone book or XXXX can find. Its not secure. 

Third, this practice is deceptive in that, because of Citis negligence and poor business practices, I have missed out on the promotional pricing of the item I wanted and also missed out on the promotional finance terms offered when the card was approved and the purchase was completed.