davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-21
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. (NJ)

I have student loans from XXXX XXXX XXXX and from states outside PA on my report. I have contacted these agencies and confirmed I do not have loans with them. I reported this to Equifax twice and they continue to say these loans belong to me and they do not.
Consumer complaint received 2021-04-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

On XX/XX/XXXX Hyundai motor credit repossessed my car I had called them numerous times they had told me every time on the phone that my loan was closed and paid and I did not have a loan with Hyundai motor credit it was reported on all three of my credit reports that my loan was paid and closed try to call them about 20 times to find out how much I owe them and how to get my car back every time I call them they put me on hold and then hung up on me I never did get my personal possessions back cuz no one could tell me where my car was or how much I owed on it I got a letter saying they repossessed my car but would not give me how much I owe or when it would be sold and how much to get it back. Then I got a letter saying I owe them {$16000.00} and after they would sell my car I would owe them {$9000.00} and something it is no way I owe them {$16000.00} I've had my loan since XXXX and it was a XXXX XXXX I bought this car was illegally repossessedI am also writing the Federal trade commission and the attorney general of Floridawith copies of my credit report showing that closed my account in XX/XX/XXXX saying paid in full current I have enclosed a copy of my XX/XX/XXXX credit report showing that this account was closed and current and paid can provide copies of the other showing the same thing if needed
Consumer complaint received 2021-04-07
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. (TX)

XX/XX/XXXX - SENT LETTERS TO ALL 3 BUREAUS DISPUTING ACCOUNT INFORMATION AND REQUESTED A FULL INVESTIGATION TO VERIFY POTENTIALLY ERROUNOUS INFORMATION AND DETERMINE IF THE ACCOUNT NEEDED TO BE REMOVED. I ALSO ASKED FOR AN UPDATED CREDIT REPORT AND IF ANYTHING IS VERIFIED I REQUESTED A COPY OF ANY PAPERWORK USED TO MAKE THIS DETERMINATION RESULTS : NO RESPONSE XX/XX/XXXX - SENT A REQUEST FOR A RE INVESTIGATION. STATED THST THE INFORMATION COULDNT POSSIBLY BE VERIFIED BECAUSE THE INFORMATION WAS STILL INACCURATE AND DIFFERENT ACCROSS ALL 3 BUREAUS. 
RESULTS : NO RESPONSE XX/XX/XXXX ASKED FOR A FULL INVESTIGATIION AND DISPUTED ACCOUNT AGAIN. THIS TIME ASKING FOR FULL DETAILS ON INVESTIGATION RESULTS : SENT A BILL PRINTED FROM PORTOFOLIO WITH ACCOUNT BALANCE STATING THIS PRINTED DOCUMENT IS CONSIDERED VERIFICATION XX/XX/XXXX : REQUESTED AN INVESTIGTION AND DISPUTED INFORMATION ON ALL 3 CREDIT REPORTS RESULTS : SENT COPY OF SAME BILL SENT IN THE PREVIOUS DISPUTE STATING DOCUMENT WAS CONSIDERED VERIFICATION XX/XX/XXXX : DISPUTED ACCOUNT INFORMATION. REQUESTED PROOF OF PREVIOUS REQUESTED INVESTIGATION FINDINGS. I ALSO REQUESTED ANY INFORMATION AND/OR DOCUMENTATION TO PROVE VERIFICATION. 

HOW IS THIS INFORMATION VERIFIED AND CREDIT REPORTS SHOW DIFFERENT " DATE LAST ACTIVE '' DATES? 

PLEASE REFER TO ATTACHED DOCUMENTS FOR CLARITY
Consumer complaint received 2023-03-30
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NJ)

My mortgage was passed on to Selene Finance at the start of XXXX. I was experiencing financial difficulty due to a medical issue my child had to endure. I applied for a modification, which I was granted but was unable to make the payments on. As a result, I took a withdrawal from my 401K to pay the entire amount owed in XX/XX/XXXX. From that moment on, XXXX has never marked my account current. As of this date they have reported me as being 90 days past due on my mortgage which is not the case. On their website as of today ( XX/XX/XXXX ) they have posted that I am 37 days late. Every mortgage payment includes something called " advanced fees ''. Although I send my mortgage payment out on the first of the month, XXXX shockingly never receives my payment until it is past due even though it is mailed to a location that is only one hour away from where I live. I have attempted to make payments on line but was only allowed to do this once according to their website. In addition, they continue to miss paying my property taxes on time. They are ruining my credit and I really need help. This company is the absolute worst.
Consumer complaint received 2022-07-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX
Consumer complaint received 2022-07-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX
Consumer complaint received 2017-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

I have been told by XXXX XXXX XXXX, that I was given a Parent Plus loan in the amount of XXXX by Navient for my son 's college. I have letters from XXXX XXXX for XXXX and XXXX denying me the loan due to information on my credit report. I was told by Navient as I entered the time I was able to start paying back my loans that I should consolidate first. So I did that. I have been in repayment for almost a year under the public service payment plan as I am a XXXX XXXX XXXX. Due to the parent plus loan being consolidated I can not qualify for a payment I can afford. Each time I call someone they tell me to call someone else. I have always been prepared to repay my loan but now it is close to 178,000 because of interest and me being in forbearance for so long. I want to continue making payments but I ca n't afford the XXXX per month, I am a XXXX! I did not qualify for the parent loan. I have letters proving that from XXXX XXXX. How did that loan go through. I feel it was deceptive practice and I need resolution so I can afford my monthly payments.
Consumer complaint received 2023-03-30
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 XXXX, # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX, # XXXX US DEPT OF EDU, # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX # XXXX ARS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

This company has provided false, inconsistent, and contradictory information to me regarding both our regular and supplemental taxes. One representative assured me on a recorded line that our supplemental tax would be paid and the late fee incurred would be covered by LoanCare LLC. Another manager told me that the supplemental would not be paid by LoanCare LLC at all. This company 's modus operandi is to pay the regular property taxes either at the very last minute or late. I was assured that our latest tax bill was paid, but when I checked with the county they informed me they had no record of a payment made or scheduled. This company has consistently told me one thing, then not followed through and when I contacted them, told me something entirely opposite from their initial statement. This has caused numerous problems with our refinancing, and it is clear this company is regularly operating outside of anything that would be considered an acceptable way of conducting business. It was not our decision to even have an account with LoanCare LLC., as our mortgage was sold to them. It honestly blows my mind that they are allowed to operate this way. I am currently attempting to close our escrow account with them, which I have been told is under review and they may not allow me to close it.
Consumer complaint received 2019-02-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

I originally closed my home loan with a company called XXXX XXXX. My husband is a XXXX vet and we received a VA loan. My loan was sold twice since then. When Amerihome my second lender sold my loan to XXXX XXXX my third lender, I was not aware and I inadvertently sent my payment to Amerihome. When I contacted my new lender Amerihome and told them about my concern they told me to get in touch with Amerihome they told me they will hold my payment for approx 60 days before refunding it to me. Meanwhile my new lender XXXX XXXX  is saying I am late with them and there is nobody and who can give me an exact time frame as to when I will receive those funds again.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP (OH)

KeyBank out of the blue restricted my access to then closed three of my checking account and two savings accounts with my funds in them. I was told I need you to come verify my identification and could only verify it in the branch even though I am XXXX, and have a hard time leaving my home. I made an appointment with the branch manager and managed to make it into the branch. I provided all of my identification and at that time I was told them my accounts were frozen by the fraud department. I let the branch manager know that I was a victim of identity theft, and had previously placed fraud alerts on some of my Credit profiles but that should have not been a reason for closing my accounts months after opening them. The branch manager said that he can not see a reason why the fraud department froze my accounts, and he gave them a call right in front of me but the fraud department had no reason on file as to why my accounts were frozen. However, the branch manager short me that he will work on it and let me know the outcome because I had committed no fraud and was actually a victim of identity theft. He also let me know that he could not see any fraud that I had committed either. I stress to him how urgent it was to fix this because I was also waiting on my direct deposit from my taxes. 
I left the brunch that day in hopes that everything will get worked out. Nonetheless KeyBank ended up seizing all the funds in the accounts, closing the accounts, rejecting my tax return and reporting me to XXXX XXXX  and XXXX XXXX XXXX as committing fraud. I can't believe that they actually did this to me and I did nothing wrong at all. I was assured that everything will be taken care of. I had to go without any money because of my bank accounts and the funds was seized. I had to have my income tax rejected and sent back. Now I am on XXXX XXXX XXXX XXXX XXXX XXXX  as committing fraud with KeyBank. XXXX XXXX should never take advantage of a customer this way. I suffered enough damage as it is being a victim of identity. Now I am being accused of fraud after my money was seized from KeyBank, and nothing was ever returned. Consumers have rights that shouldn't be violated by banks. The whole experience has just been horrible..
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

B of A sent a second mortgage payment to our mortgage company XXXX XXXX  on the XXXX after we had already paid the mortgage on the XXXX mistakenly either by myself or by them. Subsequently XXXX has requested a transfer of funds back to B of A on the XXXX of XXXX at our request. B of A has still not credited our account with that second payment as of closing on XXXX XXXX. I have called their executive office to speak to the assigned representative and left a voicemail for an answer as to when these funds are going to be transferred back to our account. No one has responded. We have both the reference number for the transaction and the federal transaction id as well, to no avail.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}.
Consumer complaint received 2021-04-07
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. (PA)

i have contacted XXXX and asked for validation of debt numerous times as well as challenged the reporting of this account ... each time it has come back verified ... how can this be verified if the reporting is all over the place ... btw XXXX deleted it because the could not verify this account and its time for the others to follow suit .... 

XXXX is reporting {$1200.00} high credit limit XXXX is reporting {$0.00} high credit limit XXXX  is reporting {$0.00} credit limit Experian is reporting {$950.00} credit limit XXXX is reporting XX/XX/XXXX as the date of last active Experian is reporting XX/XX/XXXX as the date of last active -- -this account has been re aged look at the 2 year history ... none match and experian is reporting 150 day late XX/XX/XXXX and then 120 days late XX/XX/XXXX ... how is that even possible ... .these are all clear violations..i have attached a copy of the reporting
Consumer complaint received 2015-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Wrote letter to XXXX disputing info on my credit report. XXXX reporting I have a mortgage with them. No response after 4 months. Have sent a second letter seeking a remedy to incorrect info to Equifax. Sending XXXX second letter at the same time filing complaint with CFPB.
Consumer complaint received 2022-07-19
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2020-11-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc. (GA)

During a credit pull by our bank for a mortgage loan, we noticed a negative hit from First Financial Asset MG ( FFAM ), after further research, we were sent a bill for {$290.00} for XXXX XXXX XXXX. I called and explained that the bill looks to be for the full billed charges and does not show the correct payment and balance owed after medical insurance had been applied. I provided information on payments and insurance adjustments from 2018 and was told that they would research and call me back. I did not receive contact back. 

I then disputed the charges through the 3 credit credit bureaus. One was over turned and removed and the other two upheld stating they received verification of the debt from FFAM. 

I am now seeking help from a CFPB to review and help settle this incorrect debt.
Consumer complaint received 2022-01-18
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: DISCOVER BANK (PA)

It is so complicated and frustrating..I have called discover multiple times and spent hours on the phone. There was a dispute fraudulent charge. Old Account was closed and a new card was sent. I paid off old balance. This payment wasnt reflected. And old balance was transferred to new card. I thought ok mistake so I paid it also thinking I would get a credit eventually. Now they are saying I STILL owe old balance and trying to transfer it again to account. Also even older than this was an old double charge from XXXX where the charge from XXXX and the charge from the hotel for the same night was on statement and they still did not honor my dispute.
Consumer complaint received 2022-07-19
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (MS)

I applied for a XXXX credit card for BP gXXXX XXXX for my business, XXXX XXXX XXXX in XX/XX/2021. I received conditional approved status. I could pay a partial deposit of various amounts or I could personally guarantee the account. I chose to pay the partial deposit in the amount of {$200.00} on XX/XX/2021. After a few months I never heard anything back so I begin to contact the representative that helped me. I could not get in contact with her via email nor call. I emailed and calld over five times. So, in roughly XX/XX/2021 I contacted the general number and made a complaint and notified them I wanted my money back since I never received a card. The lady I spoke to said the representative I had been speaking with would get back in contact with me. I never received any communication back.
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (GA)

I have contacted Midland Credit Management ( who purchased/collecting the debt on behalf of XXXX ) via mail and still have not heard back from them from the letter I sent requesting written correspondence only. I would like for the company to respond to my request of settling this account in full.
Consumer complaint received 2021-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

I am and have been trying to get a copy of the contract that National Credit Systems says I have, I am requesting they mail me a copy of the contract I signed with them to determine the validity of this debt on my credit report. I have not received any documentation that bears my signature to date.
Consumer complaint received 2022-07-19
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. (MS)

I received a copy of my credit report and notice some hard inquiries that I don't recognize. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX