davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-16
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. (MS)

On 7 separate dates ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I have disputed the erroneous XXXX tradeline on my XXXXXXXX and Transunion report to no avail. Even though XXXX  successfully removed the erroneous tradeline after 1 request, XXXX and Transunion have failed to do so. I have sent several requests to XXXX and Transunion requesting a description of the method that they used to verify that the debt belongs to me. After more than 90 days, they still have failed to do so even though they claim to have verified that debt on more than 4 different occasions. My rights are being violated.
Consumer complaint received 2024-11-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2022-11-29
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. (NC)

XXXX XXXX banking - XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX and XXXX XXXX XXXX, 2022 XXXX bank - XX/XX/2022 In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C XXXX XXXX XXXX banking - XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX and XXXX XXXX XXXX, 2022 XXXX bank - XX/XX/2022 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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number
Consumer complaint received 2022-10-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MOUNTAIN WEST FINANCIAL, INC. (CA)

I have been trying to get my escrow account corrected for the last 3 months. I am beyond frustrated with Mountain West Financial. They are saying my escrow account is negative {$10000.00} and that is impossible. When I called them I was able to see that they paid my supplemental taxes and they were supposed to refund me the error in payment so I can correct it and this is still ongoing and now my payment has gone up from XXXX, down to XXXX and is not at XXXX No one can tell me why this is happening and today was the last straw as their servicing department hung up on me. I don't feel that it is fair that their poor accounting has rendered my escrow account to be negative and is now increasing my payment by over {$1000.00}. I can not afford an additional {$1000.00} a month and this could possible affect my ability to make my payments and could result in me losing my home to foreclosure.
Consumer complaint received 2022-12-07
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. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (TX)

ON XX/XX/XXXX a dispute letter of request for validation of debt was to Phoenix Financial was placed in the mail. It has been over a month and the collector has yet to remove the collection from my credit reports. I plan to send a follow up of this request again tomorrow XX/XX/2021 in attempts to resolve this matter with them. 

Phoenix Financial has a different address listed on their website than what the XXXX has. I will attempt to send the letter to that address in order to have this matter rectified, prior to your investigation being complete.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (WA)

I have a mortgage loan with WELLS FARGO HM MORTGAG, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called WELLS FARGO HM MORTGAG and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30,60,120 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and WELLS FARGO HM MORTGAG with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XXXX, 60-120 days late in XXXX and twice 120 days late in XXXX. There was an error on their part. I was never late.
Consumer complaint received 2020-05-15
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. (MO)

What happened is someone obviously misused my personal information and it has haunted my credit file and emotionally drained me. I used to trust the credit agencies but their just as much to blame as the perpetrator themselves. Never once has the credit reporting agencies provided me with any documentation that I requested in regards to these accounts. I hope this issue can be resolved without any further actions, your cooperation is appreciated. I'm demanding these accounts be removed. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

My Macy 's credit card has reported a late payment and has ruined my credit score by more than a 100 points, I have tried to get in contact with someone regarding this issue but they would not help me. I was not aware of charges on my card account, and I had made a return that should have completely covered it. In addition, when I was in the store and asked an employee to check my balance, they told me I did not have a balance thus I was not worried about it. Until I opened my credit score and noticed a huge score drop. This is unethical, in difficult times like this, I can not have my credit ruined over a very small transaction. I was unaware, and even after checking with an employee I was given incorrect information. I would like to dispute the late payment.
Consumer complaint received 2020-05-15
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: Nelnet, Inc. (CA)

I applied for student loan assistance during the forest fires in California  because i was affected. The loan program said they would give a 1 year of none payment assistance and that i qualified for this based on my zip code. For whatever reason the loan reported that i did not make any payments. This resulted in lowering my credit score. When i spoke to the credit reporting company they said they cant do anything about it. When i spoke to the student loan people they said it was a mistake but that they can not fix it with the credit reporting company and that i would need to do that on my own. Neither party wants to help in correcting this mistake.
Consumer complaint received 2022-10-21
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. (TX)

In XXXX of XXXX I used my credit card ( 15 U.S. Code 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ) to perform a consumer credit transaction with XXXX XXXX to obtain phone service. In XXXX I was sent a statement which showed billing errors. I addressed the billing errors immediately by sending an Affidavit of Response for Billing Error to XXXX XXXX at XXXX XXXX XXXX XXXX, NY XXXX. On XX/XX/XXXX I received an email from XXXX with XXXX XXXX XXXX  stating, Dear ( xxxxx ), My name is XXXX, and I work in the XXXX XXXX XXXX XXXX. I received your complaint from XXXX XXXX, XXXX XXXX, and wish to speak with you to address your concern. I would first like to apologize for any inconvenience that you may have experienced with our company. I understand from reviewing your Written Complaint that you have a concern about a billing error. I truly appreciate the opportunity to address your concerns, as it helps us become better at what we do. Let me know the best time to contact you, as well as the preferred method of contact. Please do not hesitate to contact me directly at XXXX Extension XXXX, Monday through Friday between the hours of XXXX XXXX XXXX XXXX XXXX est. I look forward to speaking to you soon. Regards, XXXX I responded XX/XX/XXXX, XXXX XXXX to XXXX, Hello XXXX and thank you for your prompt response. I am available by email Monday through Friday between the XXXX XXXX XXXX XXXX XXXX  and phone between XXXX and XXXX XXXX @ xxx-xxx-xxxx. Thank you for your time and consideration regarding this matter. XX/XX/XXXX around XXXX my service was interrupted and my Billing error dispute has not been addressed nor has it been corrected. Now XXXX XXXX has taken adverse action against me for invoking my rights as a consumer. Pursuant 12 CFR 1026.d ( 3 ), a creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. XXXX has paid the Credit Reporting Agencies to publish negative information on my credit reports stating that I owe {$1700.00} on a closed collection account with 1 month terms. As a federally protected consumer I don't owe any debt.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 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 2020-05-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (WA)

I called XXXX in XXXX XXXX in WA to try and secure a conventional loan using their physicians loan program. While working with the one of the XXXX branch managers, XXXX XXXX XXXX, told me he would hook me up with a way better loan than XXXX XXXX  could offer because I sounded like a 'good guy '. The manager assured me the both he and his loan guy where once professional athletes, which made them very trustworthy. I was confused by this but decided to give his recommendation a try given how hard it is to buy a home in XXXX, WA, every advantage helps. The person he recommended me to worked for another loan company called Caliber Loans, his name was XXXX XXXX XXXX ID # XXXX. I told him I wanted a physicians loan and he assured me that they offered a physicians loan product so I proceeded to give him all of my financial information and allow him to run my credit. A day later after my credit had been ran the XXXX XXXX informed me they no longer provide a Physician 's Loan program and instead tried to push me towards a jumbo loan with low % down with a second loan at a very high rate in order to fund the first. XXXX lied directly to me about the types of loans he would be able to fund. My wife and I are well qualified buyers and very discouraged by this whole process. This is fraud and I want these fraudsters held accountable.
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had a problem with my mail, BOA received a statement returned as undelivered. I finally received my statement, immediately paid my bill, but BOA charged me a late fee and interest BOA knew I did not receive my statement, yet they still assessed me the fees
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (AR)

I received a notice that CITI bank was unable to process request for account due to inaccurate information. I have never applied for credit with CITI or anyone else for a long time. There is a number to call but you must have the account number. I f=do not have an account number. Then they give an option to use your SSN but I entered my SSN and the recording said it was invalid. Now I m concerned I just gave out my SSN to a fraudster. 

The phone number given and the phone number I called was XXXX The ref number given on the correspondence is XXXX
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I opened a dispute on XX/XX/XXXX about child support never was once paid since XXXX I submitted all my payments from the texas attorney genera ; website! the debt they reporting is XXXX but im including all my payments that get deducted out my paychecks and more!
Consumer complaint received 2022-12-07
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. (CA)

Experian Violated my Rights ; 15 USC 1681b ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( I gave no written no Instructions to Experian! ) 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1604 ( F ) ( 2 ) b- Disclosure guidelines ( B ) The extent to which the requirements of this subchapter complicate, hinder, or make more expensive the credit process for the class of transactions.
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX has " XXXX XXXX '' on my report it is an error that needs to be removed XXXX XXXX  states i have had a card sinceXX/XX/XXXX but the information only reflects XXXX XXXX XXXX  Account is passed the statute of limitations of the New York State Consumer credit fairness act, Section 214-i line 23 prohibits revival of debts arising from consumer credit transactions. the three-year limitations period has expires.the XXXX XXXX XXXXXXXX illegally restarted removal timeline after settlement
Consumer complaint received 2022-05-01
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: Eastern Account Systems of Connecticut, Inc. (CT)

In accordance with the credit Reporting act XXXX  account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have to right to privacy.

15 USC1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

This is regarding CFPB complaint # XXXX. 
Attached are the proofs. 

On XX/XX/22, I wired {$66000.00} from XXXX Bank to pay off the mortgage balance which was verified by several NewRez representatives. More NewRez  representatives repeatedly assured me not to worry about the per-diem because XXXX XXXX XXXX not post my payment for days after I already paid off {$66000.00} that I owed. On XX/XX/22, XXXX XXXX returned my wire without any explanation. After endless inquiries, I submitted XXXX Bank statement and letter from XXXX that NewRez  asked for only to be scammed bXXXX NewRezXXXX 

XXXX NewRez 's XX/XX/22 reply : " After our investigation on the returned wire, We did receive a wire in the amount of {$66000.00}, but the wire details lacked identifying information. The wire was rejected due to being unable to locate an account with the information provided. You will need to resubmit the funds, and to be sure to include your loan ID ( XXXX ). '' On XX/XX/22, NewRez replied with a different excuse, " The payoff funds were not received until XX/XX/22. The payoff was completed when the funds were received. '' Again, what I owed was {$66000.00} that I already paid off on XX/XX/22. 

Attached documents show that XXXX followed NewRez 's instructions correctly on XX/XX/22. While waiting for resolution, I paid {$2000.00} on XX/XX/22, {$1600.00} + {$1600.00} + {$61000.00} on XX/XX/22, which is more than {$66000.00} I owed per NewRez.
Consumer complaint received 2022-10-11
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. (FL)

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Accounts : XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX BIG XXXX XXXX XXXX XXXX, MICHIGAN XXXX BALANCE : {$1000.00} XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX, TEXAS XXXX BALANCE : {$3000.00} XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX, IL XXXX BALANCE : {$32000.00}
Consumer complaint received 2022-12-07
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: TRANSWORLD SYSTEMS INC (MD)

To whom it may concern On XX/XX/28 I sent dispute letter to XXXX and XXXX asking them to verify the creditor information that is on my credit report listed as collection, I dont have any knowledge of that creditor information that is showing in my credit report because is not accurate and doesnt belong to me, I asked them to provide all the corresponding documents to me via mail and they failed to provide me anything, so I need to escalate this issue and Im trying to get your help because this is affecting me and hurting my credit score
Consumer complaint received 2022-12-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NV)

I refinanced my home loan with Rocket Mortgage in XX/XX/2020 after having my loan with XXXX XXXX for over 10 years. Everything went fine until I noticed the mortgage insurance for {$1000.00} a year. I called and spoke with XXXX and I was told I had to pay that for at least another 10 years. I really wish they would have mentioned this during the process. This is going to cost me {$10000.00}. More then I saved refinancing my loan. I think this charge should be taken off my loan. My house is worth XXXX the mortgage amount.