davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
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: Experian Information Solutions Inc. (GA)

Per company 's response to complaiint on XX/XX/XXXX # XXXX, Experian stated in its findings : " your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. '' Therefore, Experian did not even investigate or look into this complaint at all! 
This allegation is not only preposterous but does adding insult to credit injury! The preponderance of evidence prove that this complaint was composed and submitted by me. The fact that Experian submitted a report # XXXX regarding my credit report is proof that Experian certainly knows who I am as a complainant in this matter. Therefore, I re-submit my complaint as follows : The following are inaccurate and incorrect account reports on my Experian credit report : 1. The XXXX XXXX report that states that I was 30 days late in XXXX & XXXX XXXX. This is not correct and it is inaccurate! I maintained my payments with XXXX XXXX even when I was part-time employed and called to make arrangements in the case of any financial hardships but it was not a 30 days past due. 2. On the XXXX account, I contend that I was not 30-days past due in XXXX, XXXX. XXXX. XXXX account is incorrect ; it indicates that I was 30-days past due in XXXX, XXXX, XXXX and XX/XX/XXXX. I contend that this information is incorrect. 5. XXXX XXXX XXXX account states that I was 30-days past due XXXX thru XXXX, XXXX. I assert that this information is inaccurate. 6. XXXX XXXX ; I am not familiar with this account. ( If account is tied to XXXX XXXX, then I this account should be marked as PAID/SETTLED. 7. XXXX   account states that I was 30-days past due XXXX, XXXX XXXX, XXXX. I state that this information is inaccurate and incorrect. I have a payment agreement with Target that dates back to XX/XX/XXXX. ( See attached payment arrangement ). In addition, I made on-time payments for the months of XXXX thru XXXX, XXXX. Although I complied with the payment arrangement XXXX not only reported to the credit bureaus that I had not paid, but continued to add interest and late charges. I have attached a copy of XXXX and XX/XX/XXXX payments to this complaint. Therefore, I contend that the inaccurate, and unfair information contained in my credit report by this agency is in violation of the Fair Credit Reporting Act, 15 U.S.C., Section 1681. In addition, I state that Section 4021 of the Coronavirous Aid, Relief, and Economic Security ( CARES ) Act, XX/XX/XXXX, " furnishers must report credit information for consumers receiving an accommodation during the " covered period ''. XXXX XXXX email : XXXX XXXX
Consumer complaint received 2019-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

In XX/XX/XXXX, I entered into a loan modification. I also was given a consumer protection attorney in my area. The modified amount was {$88000.00}. In XX/XX/XXXX, {$70000.00} of this loan became a debt cancellation but was later renewed as a new loan. Under this premise, a balance of about {$18000.00} was due and owing on the loan. 
The cancellation placed the fair market value of the home at {$74000.00}. Ex. " A '' On XX/XX/XXXX, the loan servicer sent the attorney a payoff statement where it indicated the principal balance was {$88.00}, XXXX plus {$610.00} in interest, plus escrow of {$280.00} and court fees of {$530.00} for a total of {$89.00}, XXXX. Monthly payments of {$610.00} per month plus interest of 3.75 %. 

1. The servicer alleges that the interest amount and the monthly payments are identical. 
2. Page 2 gives the interest breakdown for XX/XX/XXXX through XX/XX/XXXX. Per diem being approximately {$9.00} per day justifies a {$270.00} interest payment for XX/XX/XXXX and XX/XX/XXXX and the remainder of {$64.00} due for XX/XX/XXXX, which is an indication that every third month, the interest should be {$64.00} {$270.00} is 44 % of {$610.00} ; {$64.00} is 14 % of {$610.00} and 3.75 % of {$610.00} is {$23.00}. What is the understanding of the interest? Is the interest on the monthly payment or the loan balance. Even if its on the balance, the servicer alleges that {$610.00} is to be divided by 3 months with the third month substantially less than the first two. 
The second issue is : a total amount of interest is always included in most loans even when the percentage of interest is calculated. 
Here it's not. 

The consumer protection attorney who provided the documents that I'm providing you, filed a complaint in federal court and then dismissed the complaint alleging that no issues existed. He accepted a {$5000.00} settlement that he did not explain what it was for with me receiving a final payment of {$1000.00} ; I disagree and filed this complaint. 

Fraud is an issue here. In XX/XX/XXXX, the servicer states a balance of {$89.00}, XXXX. Each month, from XX/XX/XXXX til XX/XX/XXXX I paid {$650.00} mortgage payment. {$650.00} x 12= {$7800.00}. {$89.00}, XXXX, XXXX= {$81000.00}. XX/XX/XXXX til XX/XX/XXXX, I paid {$650.00} x 8= {$5200.00}. {$81.00}, XXXXXXXX= {$76000.00}. 

On XX/XX/XXXX, PHH Mortgage Services notified me that the servicer has joined with that company. It also advised me that the balance on the account stands at {$86.00}, XXXX. This means that a grand total of {$3200.00} has been applied out of 24 payments.
Consumer complaint received 2022-07-21
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. (SC)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 any purpose.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (PA)

My purpose for submitting this complaint today is because, in my attempt buy my first home, I have run into an unforeseeable issue with a debt collection company that has brought this prospect to a complete halt, and I believe has potentially infringed on the rights granted to me by the FCRA. 
Quite some time ago, XXXX of XXXX to be exact, I opened a secured credit card with TD Bank. Unfortunately, not long after opening the account I was laid off from work and underwent a period of financial hardship ; and I could no longer keep up with the payments. I received a notice from TD on XX/XX/XXXX informing me that my account was charged off and owing in the amount of {$890.00}. At that time I simply couldnt afford to pay that amount. I later received a letter on XX/XX/XXXX from XXXX XXXX XXXX XXXX, stating that they were collecting the {$890.00} debt on behalf of TD, and I decided to just go forth and pay it as I was beginning to look into purchasing my first home, as well as possibly financing other endeavors, and could no longer afford for there to be this stain on my credit record. Arrangements were made with XXXX to settle/resolve the debt, and to my knowledge, that was that. 
I spent the next year or so saving money for a down payment and preparing myself for the new financial venture that is purchasing your first home. So, when I recently went to go apply for a mortgage, I was baffled when the loan officer reported back that I would have to pay that same very debt to TD in order to get approved. I went back to the XXXX website, the collection agency to whom I made the payment, and found my account with a {$0.00} balance. I went forth and filed a dispute with all three credit bureaus. This only resulted in the past due balance being updated to a more recent month on my credit report and having an even worse impact on my score than it had before. This debt is now past the statue of limitations for Pennsylvania ( 4 years from the date of last payment, reported as XX/XX/XXXX ) but is somehow still actively hindering my ability to buy a home for my family to this very day. I searched XXXX on the XXXX   and found similar consumer complaints. It appears they may have a history of not forwarding payments back to the original creditors they are servicing the debt on behalf of.
Consumer complaint received 2020-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (PA)

I am lodging a formal complaint against midwest recovery system. this debt collector has reported 3 derogatory accounts on my credit reports, in the amount of {$1100.00}, {$790.00}, and {$400.00}. Midwest recovery has violated the fdcpa/fcra, i have never recieved a dunning notice from midwest recovery which allows me 30 days to dispute validity., ive lived at the same address for 16 years check my mail everyday never recieved nothing not even a phone call. this is happening at the worst time as im in the process of purchasing my very first home for my family and i. im being told these errounous accounts are holding me back, which is heart breaking to my family. i am requesting immediate deletion of these accounts from my credit reports immediately. XXXX XXXX XXXX  and attorney general complaints will be filed if these accounts are not deleted. thank you for your time.
Consumer complaint received 2020-04-29
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

On XX/XX/XXXX my lease with Nissan ended ... A month after, Nissan sent me a final bill with a mileage and tax balance of {$3200.00}. Within a couple weeks, XXXX XXXX XXXX ( hired by Nissan ) began calling me to collect payment. Early XXXX I spoke with XXXX XXXX XXXX and Nissan to get confirmation that I can pay XXXX XXXX XXXX directly for my Nissan bill, Nissan approved because the bill was in collection with XXXX XXXX XXXX. After speaking to XXXX again, the option was presented to SETTLE IN FULL for {$1900.00}. I immediately called Nissan to re-confirm ( they record calls, please feel free to check ) that I could pal XXXX and NOT get any negative marks of my credit report. They said if I am agreeing to SETTLE IN FULL, that no negative marks would be placed on my credit report. On XX/XX/XXXX I paid XXXX in the amount of {$1900.00} to SETTLE IN FULL ( I have the settlement letter ).  On XX/XX/XXXX I received a statement from Nissan requesting the remaining balance left after paying the {$1900.00}. Nissan told me to disregard the bill since I settled in full. XX/XX/XXXX, I get an " N '' ( negative remark ) on my credit report from Nissan, as if I had not paid them or I still owed a balance. I contacted them and they placed me on the phone with several people who were clueless to why anything negative was attached to my credit report and nothing has been done. At the time, I was in the process of refinancing my home, and could not because of the immediate and drastic drop in my credit score. Please assist! 
XXXX Acct # XXXX / Nissan Acct # XXXX XXXX XXXX
Consumer complaint received 2020-06-23
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. (TX)

XXXX XXXX Credit card is reporting a 30 day late payment in XX/XX/2019. I paid the account from the wrong bank account on XX/XX/XXXX. I realized my error and I paid the account current on XXXX XXXX. The payment was reported to the credit bureau as 30 days late when it was not 30 days late.
Consumer complaint received 2024-11-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (CA)

Hello, I have a loan through Wells Fargo Home Mortgage. My father passed away a year ago on the XXXX XXXX XXXX XXXX, and ever since then I have been trying to assume our home mortgage loan because I am the sole beneficiary in our trust and I am responsible for all of my fathers assets, and financially responsible to take care of them. With this being said, Wells Fargo has taken me for a roller coaster ride of extreme difficulty and frustration since my fathers passing. They have repetitively told me that I can not assume our home mortgage loan without doing a numerous amount of steps, with which I began completing so that I could receive help from them. Although I never did receive any help from them and decided to make a couple of phone calls to lawyers asking about this process in more depth. I came to find out about the The Garn-St Germain Act . A transfer to a relative resulting from the death of a borrower. This situation involves the transfer of real property when one or more relatives inherits it after the borrowers death. If the beneficiaries are relatives, then the due-on-sale clause will not be enforced. No one ever explained this to me at Wells Fargo and I was told that I would have to assume the mortgage through numerous documents proving I was my fathers beneficiary and that I would not be able to get the same rate as him when I redid our mortgage and reapplied for it. I also was just told today that I am no longer allowed to make any sort of payment towards our mortgage unless I pay them {$27000.00} right away being the amount that would bring it current based on my fathers criteria. I have pretty much spoken to most of the Home preservations department and assumptions department at Wells Fargo. I feel that these people have been very manipulative, untruthful, and downright heartless when it comes to a young woman who just lost her father and is trying to make the mortgage payments. They are still today telling me that I am not allowed to assume the mortgage even though I have sent them our trust many times and it clearly states that I am a trustee and a beneficiary as his daughter but they respond with this isnt enough. Please help me resolve this matter as I feel very helpless in the situation and take advantage of by a big bank. Thank you and have a great day.
Consumer complaint received 2020-04-29
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. (GA)

Explain to me why I keep fighting this same fraudulent account that has been proven to be fraudulent that EXPERIAN has repeatedly deleted yet it keeps finding its way back onto my report and dropping my SCORE!!!!!!! why is this even an issue at this point ... I think this is definitely cause for a law suit!!! XXXX XXXX SHOULD BE REMOVED FOR GOOD, I WANT MY SCORE BACK TO WHERE IT SHOULD BE AND EXPLAIN TO ME WHY EXPERIAN IS even INVESTIGATING THE SAME XXXX ACCOUNT!! 

XXXX XXXX ACCT # XXXX needs to be removed immediately without investigation ... 

I am attaching all supporting documentation ....
Consumer complaint received 2022-07-30
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. (NC)

In a accordance with the fair credit reporting act XXXX  account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX
Consumer complaint received 2020-09-09
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. (TN)

On XX/XX/2020, I checked my XXXX and TransUnion credit report and it showed my credit score decreased 16+ points on XXXX  and TransUnion XXXX On XXXX, my credit score increased to XXXX. Please note, since the pandemic, I have decreased my debt ratio from 90 percent to currently 59 percent and it continues to lower with weekly credit card payments. In XX/XX/2020, I finally finished payment on a long term monthly loan XXXX {$500.00} ) with XXXX. In XX/XX/2020, I received an alert from XXXX and TransUnion indicating that XXXX sent a notification. XXXX informed me that they sent a positive credit report indicating that I was in good standing and the loan was paid off. Note, absolutely nothing changed with my credit only to lower my debt ratio however, XXXX  and TransUnion punished me for decreasing my debt ratio by lowering my credit score. This is absolutely absurd. XXXX  and TransUnion encourages their clients/consumers to decrease debt, make payments on time etc, etc to improve their credit.
Consumer complaint received 2022-06-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc. (RI)

I initiated the MONTH TO MONTH membership XX/XX/XXXX XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX  Pennsylvania. I spoke to the " manager '' named XXXX. I explained to her that I didnt want to use the Gym equipement but only required the use of the showers. I then explained to her AGAIN that I only required the use of the showers for a month maybe two at the very most. She said yes I could do this on a month to month but I still had to agree to the automatic payment withdrawl from my account. I used the facilities approximately 4 or 5 times!! Each time I was there the bathrooms were not clean .... in fact they were terrible. There was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. upon 2 returns to the facility it was still there. Very nauseating to say the least. My final visit there Itold who ever was on duty.. some other unhelpful person.. that I was cancelling my MONTH TO MONTH agreement and he said I would have to talk to XXXX. I then called XXXX and she said I had to come in. To accomadate her wishes I came in. I believe it was the last week of XXXX or first week in XXXX only to have her say that I would have to pay for the whole year because of cancellation. 
Well ... ... ... ..I completely and utterly disagreed with her as to what agreement I had made and which she agreed to. I said FIRST of ALL XXXX! ... ... .I said emphatically in no way shape or form would have agreed to a full year member ship ... .as I SPECIFCALLY SAID I DO NOT WANT A YEARLY MEMBERSHIP. Finally after all this in her infinite wisdom pulled up my account on the computor ( which should have been immediate! ) As to when she finally agreed that in fact YES these were the terms of the agreemnt. To which she offered no apologies what so ever... the only reply was that shes " busy dealing with hundreds of people during a week ''. Which in my opinion is a very poor representation of this company and absolutely the poorest of customer relations. I then after reviewing my bank statements this is what I have for the dates involved. 
XX/XX/XXXX {$49.00} withdrawn for initial agreement XX/XX/XXXX {$29.00} withdrawn for montly agreement XX/XX/XXXX yet YET ANOTHER {$29.00} withdrawn???? 
I then see a charge for another {$29.00} withdrawn from my account on XX/XX/XXXX. 
This is the point as to where I had called my bank and put a STOP payment on my account and the result was a demand payment notice from First Credit Services Inc . 
for the amount of {$260.00}. This is not my bill. They are now trying to scam me out of monies not due to them.
Consumer complaint received 2019-06-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

Have written to XXXX, XXXX and Experian 3 times in regards to XXXX   XXXX ( as well as several other issues on my credit report ). XXXX  took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit  reporting companies, above. ACCOUNT CLOSED IN 2013 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Consumer complaint received 2022-07-14
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$3700.00}