davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

My mortgage company Mr Cooper  formally known as Natiostar has an forced escrow account on my mortage account claiming that their paying my insurance and taxes which is untrue and charging my account I has been paying my own insurance and taxes for the last two years in full on time .I contacted Mr Cooper and explained this to the agent that I spoke with on two different occasions first on XXXX and was told the escrow account was submitted for removal and I would receive a confirmation letter by mail .that confirmation letter never came so again I reached out to Mr Cooper  again on another call and was told by a different agent the removal was denied due to delinquent payments in the previous 12 months. I had no Delinquent or missed payment in the Las 12 months which was verified by the first agent I spoke with .now the second agent on XXXX which also verified that there was no Delinquent or missed payment and stated she will be resubmitting the removal and I would be receiving a resolution letter in the mail by XXXX I never received that letter also. on XXXX again I reached out to Mr Cooper on XXXX and inquired about the escrow account that was resubmitted for removal the agent told me the escrow was not being removed because of late payments
Consumer complaint received 2022-01-24
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: PENNYMAC LOAN SERVICES, LLC. (TN)

-made a lump payment of {$17000.00} on XX/XX/2021 exiting my forbearance plan via phone with pennymac -it was communicated to me that after i made this payment i will be able to resume payments as normal -error code that blocks autopay was found on XX/XX/2021 on my account and paid outstanding amount while on the phone with an agent -was told because it was an error on pennymac and i was able to make outstanding and current month payment ( XXXX payments ) that it would not be reported as late
Consumer complaint received 2022-01-24
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. (MD)

I submitted numerous investigation request of an erroneous and inaccurate bankruptcy case # XXXX appearing on my credit report. The companies response that they don't have enough identifying information on me is just bogus and a stall tactic. I've provided more that adequate information for these companies to delete this information from my credit file that is causing me a hardship. 

I supplied XXXX with 2 pieces of additional and relevant information of which XXXX chose to ignore. It was a letter from the Bankruptcy court and one from XXXX ( please see attached ) This inaccurate information is hurting my credit and future job opportunities. This inaccurate information needs to be deleted immediately.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have sent in two certified letters to all three credit bureaus and the issue still has not been resolved as of this day. I also have received in the mail a data breach. I also send a copy of a police report when my personal information and purse were stolen.
Consumer complaint received 2022-01-24
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. (TN)

The account listed below are inaccurate. I did not consent to have the accounts listed on my report. 

Account Name Account Number XXXX XXXX US Dept ED XXXX DeptedXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-15
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. (NY)

XXXX XXXX is attempting to collect a debt that is past the statue of limitations for collection. Amount due is also incorrect. 
XXXX, XXXX and Experian also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency. 
I am demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's. I am also demanding detailed report of accounting.

Information provided to me indicates original date of delinquency of XXXX XXXX  which is now over 6 years old and is now time barred.
Consumer complaint received 2022-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021 I submitted a complaint to both XXXX and transunion about fraud account inquires in my credit report i even submitted a police report showing ive been dealing with this problem.
Consumer complaint received 2021-11-15
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: EQUIFAX, INC. (NJ)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc. (OH)

The months of XXXX have been very rough. My XXXX payment feel behind. Upstart sent late fee and went to credit report which dropped me XXXX points when its not right as i explained my situation and they didnt want to hear it. I would love to have late fee removed from my report. I spoke to multiple customer service only one helped me apply for hardship said i would be approved was denied. 
I had XXXX  for 2 weeks. Still having issuesXXXX XXXX XXXX XXXX XXXX, had by check book stolen/fraud, and lost job. I feel behind on the loan payment. Explained my situation multiple times, applied for hardship ( was denied ). Customer service has been nothing but rude. I managed to take personal loan out. Set up autopayments so will never be late again.
Consumer complaint received 2021-11-19
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. (NY)

I was mistakenly charged {$50.00} for a missed appointment fee from XXXX XXXX. The appointment was cancelled in advance and I was charged the {$50.00} by mistake. This account was placed in collection and appeared on my Equifax and XXXX credit report. I paid the {$50.00} regardless of the mistake ( I cancelled the appointment in advance and should not have been charged anything ). I contacted XXXX to dispute the error and the account was immediately removed from my credit report. I then contacted Equifax to dispute the error and Equifax did not remove the collection from my credit report.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

To whom it may concern, XXXX XXXX XXXX I have received a copy of my consumer report, i noticed late payments posted on my consumer report In reference to above account XXXX XXXX. Your company is in clear violation of the law by posting late payments. THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all late payments from the above account. I do not consent to e-oscar or any automated means of verification.
Consumer complaint received 2021-11-15
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: EQUIFAX, INC. (MS)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Scam perpetrated on XXXX XXXX in afternoon. Alleged shutting of power off. I am a XXXX XXXX XXXX XXXX XXXX retired and shutting power off is alarming. XXXX used to pay alleged non payment of {$730.00}. Live Bank of America Associate in Fraud Protection talked to me within two hours of event and told me I had addressed scam timely and transaction would NOT go through. 
While reviewing my account online on or about XXXX XXXX, I saw a withdrawal of {$730.00}. I immediately called BOFA and a scam number was established. 
I have since visited branch banks four times in person in two municipalities and spoken to BOFA associates working at home in XXXX ; Tennessee ; Texas ; and P.A. Just to name a few and spent over 40 hours on hold over the phone cumulatively. 
I was given XXXX XXXX XXXX to email ad head of customer service. Website identifies her ad President of Retail Banking. She has not returned either email. 
One Associate by phone told me the perpetrator received the money at XXXX XXXX and suggested I go there which I didXXXX XXXX rightfully told me it was BOFAs responsibility so I again visited a BOFA branch bank. No results. 
Help please! These are sophisticated criminals and I will make an excellent witness for the prosecution. Lets get them and get me the hugely needed funds!
Consumer complaint received 2021-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in TrasUnion. Lets correct this immediately. TransUnioin is required to verify for themselves, but they failed to neither verify nor update me about this complaint. Please update this account accordingly : ( XXXX XXXX )
Consumer complaint received 2021-11-19
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. (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Please " Remove '' the account for it is damaging my report, which would not be happening if Equifax investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the erroneous account reporting on my Credit Report : ( XXXX XXXX )
Consumer complaint received 2022-01-19
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (GA)

After repossession of my vehicle, there was a XXXX  State Predatory Lending Class Action Settlement against Santander Consumer USA where Santander agreed to relieve consumers of owed debts. I purchased my vehicle in XX/XX/XXXX, and it was repossessed in early XXXX at the height of the Covid-19 Pandemic. 
As you can see in the attachments, Santander settled the case in early XXXX. According to the agreement, my debt was to be forgiven and the account removed from my credit report. Because of what they agreed to in the settlement, this has now become a violation of my rights as a consumer and needs to be corrected within 30 days of this complaint.
Consumer complaint received 2021-11-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I've submitted several disputes to the credit bureaus and to no avail have I received a response from the bureau 's XXXX, XXXX and neither Experian. Please help!
Consumer complaint received 2021-08-26
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. (NV)

I haven't received a response from ( EXPERIAN ) in over 30 days. They are reporting inaccurate information on my report. ( LATE PAYMENTS ) XXXX  and XXXX WERE UNABLE TO VERIFY THESE ACCOUNTS AND REMOVED THE LATE PAYMENTS. EXPERIAN IS THE ONLY BUREAU REPORTING INACCURACY. 

You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none.

I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the FCRA-tort law example : Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept. 2004. I demand that you take action to correct your errors. I request that you provide me with written documentation of how and what means you used to verify these payments.

Under the terms of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) I am exercising my rights and formally request that you provide a COMPLETE amended copy of my credit report when your investigation is completed for my records showing that these late payments have been removed.

If not physically irrefutable you are not authorized to retain or report these allegations so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter
Consumer complaint received 2021-11-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

I used the forbearance plan with freedom mortgage. The whole time they told me that there would no fees. I was placed in what I thought was a government loan repayment which I was told it would just go to the end of the loan. They sent a letter saying I was denied, when I called they said the had started an application and was just using my old info and they never sent me anything. They said I dont need to send anything in. Freedom mortgage said they lowered my payment to {$1800.00} a month with a modification to my loan. I thought great. When I revived the paperwork it had a XXXX XXXX lien that would be added to my house. They never told me that, would happen and now they are jerking me around, and if I dont sign they could force me to foreclose in my house by making me pay everything back at once. 
I have documents stating that no fees would be charged. They are also giving short turnaround date and if you miss it then they think you will pay everything at once. 
There is more also. I wonder how many people are they doing this too? Or people who dont read there documents and are trusting them to do the right thing. 
Freedom mortgage is trying to intentionally take peoples homes. 
Thank you
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account PENNYMAC LOAN SERVICES is reporting late ( XX/XX/2020 ) as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.
Consumer complaint received 2022-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NETWORK CAPITAL FUNDING CORP (CO)

Network Capital has been calling me daily even after me requesting to be taken off of their call list. This most recent call, the telemarketer was asking what my rate was then told me that they could definitely beat the rate and transferred me to a licensed XXXX. The XXXX instantly told me that they couldn't beat the rate that I currently have. My complaint is 3-fold ; network capital is telemarketing my cell phone number, they have non-licensed people discussing rates with me, and they're providing false information.
Consumer complaint received 2022-01-19
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. (OH)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the timeallowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the bureaus, as willful negligence and non-compliance with federal statutes. Below are the public record reporting on my Credit Report : ( XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX )
Consumer complaint received 2022-10-22
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: Experian Information Solutions Inc. (CA)

I contacted XXXX and asked them why my other credit cards are not showing on my report. They said you need to contact the creditor we report whatever they report to us. I contact all my credit card companies and they confirmed they are reporting to all 3 credit bureaus this is incorrect. XXXX is refusing to report my other credit cards. I have attached proof. 

Accounts not showing on XXXX XXXX XXXX XXXX XXXX BANK / XXXX XXXX I contacted Experian and asked them why my other credit cards are not showing on my report. They said you need to contact the creditor we report whatever they report to us. I contact all my credit card companies and they confirmed they are reporting to all 3 credit bureaus this is incorrect. Experian is refusing to report my other credit cards. I have attached proof. 

Accounts not showing on Experian XXXX XXXX BANK / XXXX XXXX For Experian to report my other credit card accounts.