davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-07
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. (CA)

I was made aware of some accounts and inquiries on my credit report that do not belong to me ; the reason I found out that there were accounts/inquiries on my report that I never opened is because I had my credit ran at the XXXX dealership today XX/XX/20 and because of the accounts I listed on this report, I was not approved for the auto loan. I don't know who these accounts belong to since I have never given anyone permission to open these or any other accounts in my name. I did not benefit anything from these accounts ( money, goods, services, any other benefit/privilege ) nor did I contribute to any payments that might have been made towards these accounts. I do not have any contract or affiliation to any of the companies listed on this report and I never allowed them to run my credit. I have already filed a police report regarding these suspicious accounts.
Consumer complaint received 2022-12-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Truemper, Titiner & brouch Ltd (IL)

Truemper titner & brouch ltd attempted to collect a debt by harassing and intimidating us. When I told them my husband wasnt home and tried to close the door, they ripped it open and threw the paper at me, breaking our door handle. I was genuinely terrified as a woman home alone being attacked by a grown man. I almost called the police. They sat outside of our house for hours and came over 5 times. They never served my husband papers but had court and had a lien placed on our account, withdrawing the entire balance with absolutely no notification or notice of right to dispute.
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Dear CFPB, I am reaching out to you because 3 months ago when the pandemic started i was affected financially. at that time i reached out to my my mortgage company ( shellpoint mortgage ) for help to lower my monthly payment since my income was affected. 
after 3 months under review shell point mortgage denied my loan modification application because i didn't deserve a loan modification since i was not enough behind on my payments and therefore i didn't deserve the loan modification. 

Now i come to find out that even though my payments were on time shellpoint mortgage has charged me {$800.00} in late fees and home appraisals that i never ordered. 

I called to speak to manager who can help me clarify those invalid fees and every time i speak to representative they keep telling me no manager/supervisor is available and they wont back until the end of the year. 

please help me since i struggled keeping my mortgage payments on time and its not fair shell point mortgage is taking advantage of me and my family.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Bank of America took away the option to set a fixed amount other than the minimum payment due or the entire balance due on its autopay function. Although under info it says you can set a fixed amount of your choosing for monthly auto pay, when you go to the drop down menu for autopay options, only minimum monthly or entire balance appear. I called BoA 's customer service on XX/XX/23 to find out why fixed amount did not appear in the options for autopay in the drop down menu and she said " they took that option away, you can only set autopay to pay the minimum monthly payment or the full statement balance. '' I asked her to file a complaint about it and she said my complaint ID was " XXXX. '' I think it is unfair to remove the option to set a fixed monthly amount of your choosing for monthly autopay and meant to make the autopay function meaningless so people miss their payments and they can charge them more fees. I have a 0 % interest balance transfer and I want to set a fixed monthly payment to pay down the balance before interest charges kick in a again, but because I can't set a fixed amount on autopay, I am forced to login every month and make a payment.
Consumer complaint received 2020-07-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had a mortgage with XXXX XXXX. I have never been late with any of my mortgage payments. I am in the process of closing on my home next week. I have been getting the run around from XXXX for over 30 days. They have agreed they made a mistake with the information they shared with the credit bureaus of me being 120 days past due on XX/XX/20. My wife and I were approved for a new home and now we can't get credit approval with this latest info.
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (CA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-18
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. (IA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Report act, XXXX XXXX, has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (KY)

Paid card off in full for {$440.00} on XXXX XXXX Representative claims late fees have racked up and I owe over {$210.00} as of XX/XX/2022. 
Called a family member and lied to them saying I listed them as a reference. No references were required for this card. After learning this, I called and was told about the balance, but was told it was late fees and they would be waved on XX/XX/XXXX. I did a follow up call on XX/XX/XXXX and was told to wait until XX/XX/XXXX for the waived fees to finish processing. Called back on XX/XX/XXXX and was told the fees would not be waived and that there were no notes in the system and the confirmation number I gave was nowhere in the system. I was told it would be a few days before they could review the phone calls and see if someone did actually say they would wave the late fees on these calls. After saying this was unacceptable, the call was escalated and they are saying I am required to pay at least {$67.00} of these late fees that were slipped in after I paid off the card to a XXXX balance. They also told me they will keep attaching late fees to the {$210.00} on the account, including for this month.
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (NY)

This is my fifth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My XXXX XXXX XXXX was hit and made inoperable XX/XX/XXXX. I called XXXX ( the financial institution who the loan was issued through ) and they told me to continue making payments until this issue was resolved with the insurance company. I continued to make my bi-weekly payments of {$200.00} until the insurance company issued them a check. The insurance company post dated the check back to initial date of loss in XX/XX/XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX i made {$1200.00} worth of payments per their instruction. Also, within that time period they reported to the credit bureaus that they repossessed my car. That action resulted in my credit score dropping XXXX points. I was never late on a payment nor did i ever miss a payment. XXXX has yet to issue me a refund for the {$1200.00} that i paid after the initial date of loss or gave me any kind of time frame as to when to expect it.
Consumer complaint received 2020-07-07
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2020-07-07
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. (MO)

PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWELEGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 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. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA,  unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2023-08-18
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. (GA)

Dispute of False Bankruptcy Listing on TransUnion Credit Report Dear Sir/Madam , I am writing to formally dispute an erroneous bankruptcy listing that has appeared on my TransUnion credit report. I have recently obtained a copy of my credit report, and I was dismayed to discover that a bankruptcy record has been inaccurately associated with my credit history. 

I want to assert, unequivocally, that I have never filed for bankruptcy and that the information provided on my credit report is completely false. I have maintained a responsible and consistent financial history, which can be corroborated by my payment records, employment status, and other financial documents. 
I kindly request that the erroneous bankruptcy record be promptly removed from my TransUnion credit report. This false information is not only damaging to my creditworthiness but also reflects inaccurately on my financial standing. I am concerned about the potential negative impacts this misinformation may have on my ability to secure loans, housing, and other vital financial opportunities. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that TransUnion conduct a thorough investigation into this matter and correct the inaccuracies on my credit report. Please provide me with a detailed account of the steps taken during the investigation and the results thereof. 

Enclosed with this letter are copies of documents that verify I appreciate your attention to this matter and your assistance in rectifying this situation promptly. I eagerly await your response within the 30-day time frame as mandated by FCRA. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (TX)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2022-07-17
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. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX  reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXlease keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2021-03-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Franklin Mortgage Solutions, LLC (FL)

XXXX XXXX of Franklin Mortgage XXXX  - Hard Money You DON'T Want This complaint is against Franklin Mortgage XXXX, XXXX in XXXX, Florida. It is a complaint XXXX XXXX specifically of Franklin Mortgage XXXX. 

In XX/XX/XXXX, my family and I took a hard money loan to buy a house at XXXX XXXX XXXX XXXX. We had to put 30 % down and accept a mortgage interest rate of 10 %. The lender was XXXX Mortgage XXXX in XXXX. They are extremely unethical and known for predatory lending practices with the INTENTION of putting people in foreclosure and taking their homes. 

At the end of XX/XX/XXXX, we were defrauded by Lifelong Criminal, XXXX XXXX from XXXX ( not related to the lender ). XXXX is currently being investigated by the district of XXXX, and looked into by other regulatory agencies as well. You can search XXXX : " XXXX XXXX - Racketeering through XXXX XXXX  and XXXX XXXX. '' By XXXX of XXXX, we started falling behind on our mortgage because of me being unemployed and from being defrauded as mentioned above. I explained that to XXXX XXXX hoping for some reprieve/empathy/modification. He declined. 

Over the next few months during the height of the Coronavirus, XXXX XXXX continued harassing my family and I saying we were the only non-performing loan in his portfolio. That was a blatant life. He had 3 other properties in foreclosure already. 

In the summer of XXXX, my mother had XXXX XXXX. We sold her apartment on XXXX XXXX XXXX and she moved in with me. We then went and paid 90 % of the balance in arrears to show good faith. 

I then again asked Franklin Mortgage XXXX to modify the mortgage as we were paying a 10 % interest rate. They declined again. By XXXX of XXXX, they hit us with a foreclosure proceeding. 

Then in XX/XX/XXXX, Franklin Mortgage XXXX filed a summary judgment with the court and literally tried to steal the house from under us. 

This forced my family and I to fire-sell our home in XXXX of XXXX. After penalties, interest, arrears, legal fees and etc, we walked away with peanuts and can barely afford to move and pay rent for a couple of months at best. 

THE DAMAGE REPORT BELOW : We bought the house for $ XXXX in XXXX of XXXX. We had to put 30 % down and paid $ XXXX in points at closing. So, that's {$97000.00} upfront. 

We sold the house in XXXX of XXXX ( this month ) for $ XXXX. After closing costs, penalties, legal fees, commissions and etc., we walked away with $ XXXX. So, that's a net loss of $ XXXX right there. 

The houses in our area are now selling for $ XXXX and above. We sold it for $ XXXX. That's another $ XXXX out the window. - Total loss is $ XXXX. That wiped us out. 

My family and I are asking the CFPB to investigate Franklin Mortgage XXXX, XXXX XXXX XXXX, Florida. Other complaints about them already exist. 

The best way to fight shady business practices, is to expose them. Feel free to publish this to any of your communities. 

Sincerely, XXXX XXXX - XXXX XXXX XXXX -