davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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: AmeriHome Mortgage Company, LLC (TX)

I recently became a customer with Amerihome mortgage company on XX/XX/XXXX when my mortgage for property was transitioned from my previous mortgage servicer tocompany, Amerihome. I I have one late payment on the above referenced account for XXXX of XXXX. This late payment is being incorrectly reported and is also within the 60 day period where the mortgaging servicer is not allowed to report negative information during the time of transition under section1681a of title 15 Incorrect information may have been also transmitted from my previous servicer to to the new one causing me not to receive notifications. I have spoken to customer service representatives to discuss the issue and have our email address and mailing address corrected the system, Customer Service agent named XXXX informed me that she does not show that my account is reporting negative info to the credit agencies in amerihomes system but my credit report shows a late payment. She gave me reference number XXXX for our call. Since the company stated my payments with Amerihome would begin on XX/XX/XXXX and reported a late payment for XX/XX/XXXX, this should fall within that grace period by law.
Consumer complaint received 2022-08-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (GA)

A loan refinance with our current mortgager, Mr. Cooper was started on behalf of my mom in XXXX of XXXX at the request of loan officer XXXX XXXX. I was looking to get added to the loan due to my mother 's failing health situation. I explained all of this in depth and worked with XXXX diligently to get this done. Throughout the process we returned all documents and followed all guidelines. We even got the necessary paperwork for a charged off home equity loan that they requested so it could be paid off along with credit cards for the refinance. This information was shared with XXXX XXXX, XXXX 's manager who requested the payoff letter and stated that it needs to be current up until XX/XX/XXXX so that it could be paid off with the refinance. We paid {$600.00} for an appraisal and paid {$2600.00} to get necessary repairs that they said was the last hurdle for final approval as we were already at a conditional approval. I tried contacting XXXX during the week of XX/XX/XXXX - XXXX and did not receive a response from email or text which was odd since he had always returned messages with no problem. I was even in contact with the loan processor, XXXX XXXX who was waiting on repairs as well. 

On XX/XX/XXXX XXXX XXXX called me to say there was an issue with a charged off home equity loan, I explained to him and sent him proof that they were already aware of that and underwriting as well. I even provided him email proof of prior discussions. He did not return my calls or emails for two days and XXXX sent a text message saying he no longer had access to the file after a month of working it everyday. XXXX provided no explanation and I was surprised to learn when contacting XXXX that the loan was no longer in her files and was showing cancelled with no reason. XXXX XXXX was helpful unlike XXXX and XXXX. Mr. Cooper needs to honor this refinance and all parties involved need further training on professionalism, honesty and courtesy. This was deceptiveness in all way and sad.
Consumer complaint received 2019-02-18
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. (OH)

I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name THEY ARE NOT ACCURATE. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I AM A VICTIM ON ID THEFT. THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE THE FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have phones numbers that are not mine showing as well please delete this unknown phone numbers ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2022-08-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

On XX/XX/XXXX, a response was sent to a XXXX 's XXXX ad for a vacation rental. https : XXXX Received a contract, which was signed and returned. The deposit was requested via XXXX. I signed up for XXXX through my Huntington Bank. The first half ( {$3900.00} ) was sent on XX/XX/XXXX and the second half ( {$3900.00} ) was sent on XX/XX/XXXX. 

Information available : Homeowners : XXXX and XXXX XXXX XXXX ( name on contract ) Email : XXXX - multiple emails back and forth an this is the email used for the XXXX transactions. When I did this the name " XXXX '' came up and I was told this was his boss 's account. 

XXXX XXXX has an account at XXXX XXXX XXXX. Account # XXXX and Routing # XXXX - Given to me by the SCAMMER Address on the Payment Receipt for XX/XX/XXXX is : XXXX XXXX XXXX, XXXX XXXX, FL XXXX - Phone XXXX Property Location is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I believe they bought this property in the fall of XXXX In the email when he requested payment for XX/XX/XXXX, he made reference to a XXXX XXXX XXXX XXXX group. I contacted them on XX/XX/XXXX and was told by " XXXX '' that this property had been sold and they had no knowledge of it being rented. 

I contacted a private investigator and found that a XXXX XXXX is currently residing at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. This was sold to XXXX and XXXX XXXX and their mailing address is XXXX XXXX XXXX, XXXX XXXX, IN XXXX. Neither couple claims to have any knowledge of this Scam. 

XX/XX/XXXX I contacted Huntington Bank to start a cas and try and get my money back. Case # XXXX. XXXX XXXX XXXX Report # XXXX XXXX. XX/XX/XXXX, was informed that no action would be taken by Huntington.
Consumer complaint received 2019-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name THEY ARE NOT ACCURATE. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I AM A VICTIM ON ID THEFT. THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE THE FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have phones numbers that are not mine showing as well please delete this unknown phone numbers ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hidnering my credit report. this has been an ongoing issue that needs to be resloved. looking over my file ive noticed alot of illegal items reported an identity theft mislead items that are causing denials on my credit report. please review an remove all listed items to clear my credit report asap.
Consumer complaint received 2019-02-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (IN)

I am attaching a former complaint about Santander -complaint # XXXX. I called CFPB on XX/XX/XXXX to find out Santander 's response. I was not given a deadline to get this information back to you  by the person I spoke with on the phone. I have been ill and had XXXX  work done since the above referenced date. I am sending you the documents Santander requested. I am hoping you can forward them to Santander or send me a fax number or email the documents need to be sent to. You also need to know that we had to have our payment taken out by XXXX XXXX /XXXX  as a condition to be eligible to receive the loan from Santander . My husband is XXXX and I work at a XXXX XXXX XXXX. I have to work overtime to make ends meet as it is.I also have never been able to log in and check on my complaint even after I asked the person I spoke with on XX/XX/XXXX to reset my password. This is why I am submitting the information requested in this manner.
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In XX/XX/2016, my account with XXXX XXXX was closed for default. Rather than sending the account to collections, XXXX chose to forgive the debt and I was sent a 1099-C. As A result, I paid Federal taxes on the forgiven debt of {$690.00}. To this day, XXXX continues to report the account balance as {$690.00}. I called requesting that the account balance be updated to XXXX, and they refused to do so. I even went as far as to offer payment for the account, which was also refused.
Consumer complaint received 2019-02-18
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. (VA)

I reviewed my annual credit report from Experian and it showed an account that is not mine. It is related to identity theft disputed this several times and Experian continues to keep it saying that company vertices this is correct after I explained that I was a victim of identity theft. Submitted the requested documentation and it still remain on my credit report.
Consumer complaint received 2019-02-18
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. (UT)

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on several student loans with XXXX that have a {$0.00} balance and {$0.00} past due. This is harming my credit score and it is obviously impossible to be past due on something that does not have a balance due.
Consumer complaint received 2022-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (VA)

On July 29 I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX. The vehicle broke down the same hour I pulled of the lot and was diagnosed by XXXX XXXX the following day and was determined that the transmission needed to be replaced for XXXX! The warranty company came out and denied the claim saying that the dealership must have know about these pre existing transmission issues. The dealership has refused to give me my money back and has provided no assistance whatsoever!
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts AND inquiry deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

Attempted to contact credit customer service on XX/XX/2020 to obtain a credit balance refund, was waiting for one hour and twenty minutes on hold to speak with someone, finally, hung up the phone. Since, the account has a credit balance of {$120.00}, please issue credit to the bank account on file. The account on file has a routing number ending in XXXX and account number ending in XXXX.
Consumer complaint received 2022-08-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MI)

This is to report the wrongful repossession of my XXXXXXXX XXXX XXXX XXXX  on Friday, XX/XX/XXXX, by the dealership from which it was purchased ( XX/XX/XXXX ) ; XXXX XXXX Nissan of XXXX, Georgia. Please see the police incident report. 

In this case, the nature of Wrongful Repossession was abusive and completely unwarranted by my XXXX  LOAN ACCOUNT STATUS, which was CURRENT. In fact, I typically paid an extra {$25.00} on my loan account monthly. Please see loan status screenshot. 

Subsequent to the taking and recovery of the vehicle, a major engine component failed ; ie, the Engine Fan. This mechanical failure limited my usage of the car to near zero. The {$100.00} analysis of the vehicle shows an {$800.00} repair pending to replace the Engine Fan Assembly. 

Although the car was still under warranty when it was recovered from XXXX XXXX Nissan, I clearly had NO CONFIDENCE in a trustworthy repair being done there, or at any local Nissan XXXXXXXX XXXX XXXX agent/service center at the time.
Consumer complaint received 2019-02-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: California Business Bureau, Inc. (CA)

I received notification of a medical bill being owed from XXXX XXXX XXXX. I asked the company to verify the debt and was told they had already done so. I explained I had relocated a few times so please forward me the information. My spouse was in the car when a representative contacted me and the call was on speaker through the car. She informed him the debt had to do with a XXXX test and XXXX   check. This caused an argument between the two of us in which I had to disclose XXXX I had suffered and that is why I went to XXXX. I did reach out to the collection agency and informed them the bill amount was incorrect because I never took a XXXX test. Sh stated it is standard for hospitals to give one. I informed her I am XXXX XXXX XXXX XXXX since XX/XX/XXXX therefore the doctor would not have done so. I asked if she could contact XXXX and get the amount of the XXXX test removed because XXXX will not speak with me due to the debt being purchased by California Business Bureau. I even stated I a willing to pay the entire amount due if they can remove it from my credit reports because of it being an inaccurate amount. Both the representative and the Supervisor stated no because a complaint from my representative was made against the company by a Mr. XXXX. I was informed if this is not pain they will report it each month on my credit as a new debt and begin legal action. I understand it is the collection company 's right to collect what is owed but it appears as if I am being punished due to a complaint lobbied against them in reference to me by my realtor. 
I have spoken with this company between XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While checking my credit report, I notice an account from XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX have violated my rights. 15USC 1681 section 602 8 states I have the right to privacy, 15USC 1686 section 604a, section 2i also states a consumer reporting agency can not furnish my account without my permission.
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

XXXX is saying I was late with a payment in XX/XX/2018 when I was not, my payment was made on time and should reflect in my credit report. Something was wrong with there payment system at that time and the XXXX app was not working properly. 

I hope youre doing well today. My name is XXXX XXXX, and Ive been a satisfied customer of XXXX for years. Ive always made my payments on time, but unfortunately, something made a mistake in XXXX of 2018. 

I understand how important it is to make timely payments. However, some kind of error or mistake happened. But Im confident this wont happen again. As you can see from my credit history, I have a long record of on-time payments before and since the late payment. I have even paid off my entire balance at one time. 

As a courtesy, I respectfully request that you make a goodwill adjustment to remove the late payment on XX/XX/2018. Please consider my track record as proof that I take my financial obligations seriously. 

If you have any questions, or if you would like to speak with me in more detail, please call me at my home or send me an email at XXXX. 

Thank you for your consideration,