davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

I refinanced my mortgage, which closed on XX/XX/XXXX. My " old '' mortgage company ( Dovenmuhle loan # XXXX ) owes me {$3700.00}. They advised me that the check for that amount would be received by me on XX/XX/XXXX ( after a waiting period of 15 business days since closing ). To date I have NOT received the funds as promised. I was told that the check was " cut '' on XX/XX/XXXX. I find it interesting that the bank charges me " interest '' on monies that I owe the bank, but NOT the other way. Its mind boggling that Dovenmuehle is so arrogant. I was on the phone with a supervisor onXXXX at XXXX and she hung the phone up on me. I want my money plus interest from when I paid my mortgage installment on XX/XX/XXXX.
Consumer complaint received 2023-04-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

Had XXXX XXXX XXXX 2022 from XXXX XXXX got XXXX again in XXXX of 2022. I had the homeowner assisted program state employee didnt summit the amount pass due and to bring me current on my mortgage. Im still behind and my case is closed.. Homeowner assistance program closed my file.. 
Im behind 6 months getting letters from state employees credit union and denial letters. 
Im still not fully recovered from XXXX
Consumer complaint received 2023-03-17
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-05
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. (TX)

I am a natural person with rights under 15 USC 1681, and I want to file a formal complaint against the consumer reporting agencies for violating my rights under the Fair Credit Reporting Act. Specifically, the following items on my credit report were reported without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These actions violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, as well as the following sections of the Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A : right to privacy 15 U.S.C 1681 Section 604 A Section 2 : consumer reporting agencies can not furnish an account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section : no consumer reporting agency may make any consumer report containing 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. 1681s-2 ( A ) ( 1 ) : no person shall 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. 
Additionally, I did not authorize the following companies to access or pull my credit report, and these inquiries are fraudulent : 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 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 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 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 I have contacted these companies and they have no proof that I authorized these inquiries or that they were made for a permissible purpose. Therefore, I request that these inquiries be removed immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

on XX/XX/XXXX  I submitted a XXXX request as well as a hardship letter attached. 

I called the servicer several times over the next several days and was told it was being reviewed. On XX/XX/XXXX I was notified by an agent that they needed the hardship letter re-sent to them. I immediately sent it by email. this was XX/XX/. 

I called them on XX/XX/XXXX  to make sure they received the hardship letter. They stated that they had it. 

They mailed me a letter on XX/XX/XXXX  that i received on XX/XX/XXXX  stating that I was missing the completed XXXX form. That is ridiculous. On XX/XX/XXXX  I uploaded the additional XXXX form they requested. 

On XX/XX/XXXX  they mailed out a letter stating that they received a complete XXXX request and that it would take up to 30 days to review. 

On XX/XX/XXXX  they sent out a decision letter stating that I was denied a XXXX review because they didn't receive the requested XXXX document. 

I sent this information several times. They denied my modification request without reviewing it, and refuse to open a new XXXX request because they have already reviewed it. 

They never reviewed it, or even asked for income documents. I deserve to at least have the opportunity to try to retain my home. Please contact them and make them provide me a proper XXXX review. 

When I call them by law they are supposed to have a designated relationship manager that is assigned to me. there is one listed on my letters but when I put in the listed extension I never get that person. I get a different one every time and they are not familiar with my file. And they all tell me different things. Not one until yesterday ever gave me the number of the dispute department. 

They should not refuse me aa XXXX review. Please help me. I am a XXXX veteran that was affected by covid. I went through divorce and was in a XXXX XXXX  accident and underwent XXXX  XXXX. I am finally able to get things on track and they wont help. if you need any additional information please contact me.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Experian is reporting multiple late payment in XXXX and a recently derogatory mark on XX/XX/XXXX. I have spoken to a rep from XXXX XXXX XXXX and was told they didnt report these late payments and that these late payments were reported by Experian and not them.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has the wrong information on my credit report. I was denied a refi car loan because of them. They had a debt collection on my credit report which is not my debt. I had to get credit monitoring to see my credit report when I was accessing the information on my phone. I got my report and cancelled the monitoring service the same day. They should have refunded me my money because according to the COVID fair credit reporting I am allowed one free credit report every month. I called to tell them I wanted my money back, that I had cancelled the monitoring service the same day I was trying to get my credit report. Their web page is deceptive and does not offer a free credit report unless you sign up for this monitoring service when you use a cell phone to try and gain access to your credit report. They also need to remove old outdated information that is older than 7 years. I do not have any bills for a XXXX debt they have reported so I am disputing the validity of the debt information they have published inaccurately. I have a XXXX with the other credit reporting agencies.
Consumer complaint received 2020-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2023-03-19
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. (GA)

XXXX 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 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 items of information, other than records of conviction of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-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. I have disputed this account and I have supporting documents within inaccurate information. Please delete this account.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Hello, I trust this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding my consumer file. Pursuant to 15 U.S. Code 1681c-2, a consumer agency is required to block the reporting of any information identified by the consumer as resulting from alleged identity theft within four business days of receipt. Regrettably, it has been over 30 days since I reported this issue to you, and I am concerned that your agency is in violation of this law. 
I have been a victim of identity theft, and I am requesting the immediate removal of the following items from my consumer report : Please see attached Identity theft Report. 
These accounts should not be furnished on my consumer report, as their presence is in violation of 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ), any consumer reporting agency may furnish a consumer report under the consumer to whom it relates. I want to emphasize that I never provided written consent to any consumer reporting agency to report information on my consumer report, which constitutes a violation of my rights as a federally protected consumer. No consent is identity theft. 
As a consumer, I am demanding the immediate deletion of the accounts listed in my attached Identity Theft Report. I expect your agency to take prompt action to rectify this situation in accordance with the law. I have attached documentation supporting my claim for your reference. 
Thank you for your understanding and cooperation in this matter. I look forward to a timely resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-17
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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 XXXXXXXX
Consumer complaint received 2022-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc (CA)

Last XXXX, I applied for a home equity line of credit on my house. The bank ( XXXX ) informed me that I had a collection on my account being reported by XXXX ONLY. It was an collection with " Best Service Company '', and the original creditor was XXXX XXXX XXXX XXXX. I called and told the debt collector I have never opened an account with that bank, and they told me the account was opened in Ohio. I live in California and told them I have only been to Ohio once - XXXX  years ago when I visited for XXXX  days for a wedding and I didn't open any accounts or apply for debt. I filed a dispute with XXXX and it was quickly resolved and removed from my credit report. I applied for another mortgage last month with XXXX XXXX, who told me XXXX and XXXX are now reporting this fraudulent collection AND MY CREDIT SCORE DROPPED FROM XXXX TO XXXX. I filed disputes with both XXXX and XXXX and they were both denied. I have worked my entire life for perfect credit, and now this fraud is ruining all my hard work. It's not fair. Please help me, this will cost me lots of money as this new mortgage will now have a rate .5 % higher, due to no fault of my own whatsoever. Thank you!
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (DE)

The manager or an employee at One Main Financial approached me with an offer to postpone my payment. I agreed, paid a fee for the extension, and was granted - as the manager ( XXXX ) at One Main stated a postponement. 

Although OneMain skipped the month, unbeknownst to me, One Main also reported the skipped payment as past due to the credit bureaus and increased their fees on the account. Consequently, it intentionally harmed my credit score.

Other One Main borrowers I know reported the same duplicitous scam by One Main, which appears to be an attempt to limit people in this class to continue borrowing from One Main since they won't have a good credit score to go somewhere else.

Over the past five years, I've never missed any payments on my cars, credit cards, student loans, or other personal loans. The only item showing missed is the scam payment extension by One Main. After refinancing the loan in 2021 with One Main, I haven't missed any payments. Still, they continue to incorrectly report a missed payments making it costly to purchase a home. There is a whole class of borrowers impacted by this scam.
Consumer complaint received 2023-04-05
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. (FL)

Dear Sir/Madam, I am writing to dispute fraudulent accounts that have appeared on my credit reports from XXXX, Experian, and XXXX. The accounts in question are associated with XXXX  XXXX and XXXX XXXX, and they were opened without my knowledge or consent. 

XXXX. XXXX XXXX - XX/XX/XXXX - XXXX XXXX. XXXX XXXX - XX/XX/XXXX - XXXX As a victim of identity theft, I am deeply concerned about the impact that these fraudulent accounts will have on my credit score and my ability to obtain credit in the future. I am writing to request that these accounts be deleted from my credit reports immediately, and that any associated negative marks or comments be removed as well.

I have taken all necessary steps to protect myself from identity theft, including notifying the Federal Trade Commission. I have also contacted XXXX  XXXX and XXXX XXXX directly to inform them of the fraudulent accounts and request that they be closed. 

I understand that as a consumer, I have certain rights under the Fair Credit Reporting Act ( FCRA ). These rights include the right to dispute inaccurate or fraudulent information on my credit reports, and the right to have that information corrected or removed. 

I urge you to take swift action to remove these fraudulent accounts from my credit reports, and to take steps to prevent similar incidents from occurring in the future. I have attached copies of relevant documentation to support my claim. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2023, I sent a dispute letter reporting to the three Bureaus to seek verification about my credit report. I strongly believe that my report 's information is inaccurate, hurting my credit score tremendously. After a couple of weeks, I received a letter from TransUnion on XX/XX/XXXX stating that I must call to verify, even though I spoke with a representative and was told to write a letter with my ID and utility bill to dispute items. XXXX sent back the results and told me they were going to investigate. And I haven't gotten any written letter back from XXXX, and it's been 30 business days since I sent this letter out to all three bureaus. I've been told by law if there is incorrect information on my credit report, it must be removed immediately. This is hurting my chances of getting my dream house and dream car.
Consumer complaint received 2021-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE (CA)

Hello, On XX/XX/XXXX, I initiated a transfer with my Schwab Checking Account for {$340.00} to my Schwab Individual Brokerage Account. These transfers are instantaneous during business hours. The webpage said that an error occurred, and to try again. I did this once more, and received the same error ( for the same amount, {$340.00} ). It was then that I noticed that my Checking Account was had two {$340.00} withdrawals, and my Brokerage account had none. 

I waited about an hour to see if there was just a delay in processing with them, and then reached out to Schwab via their XXXX XXXX tool. They informed me that this was a known issue, and that the problem would be addressed that day ( XX/XX/XXXX ) and that the funds would post that day as well. I then contacted them at the end of the day when the funds still had not posted, and they informed me they would still look into it. 

I checked in with them the following day ( XX/XX/XXXX ) at the beginning of the day, and my funds have not posted at the end of the day ( XX/XX/XXXX ). 

As it stands now, I've had {$690.00} dollars that were removed from my checking account, but not posted to the account that I had directed them to for two full business days.