davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
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. (OK)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) but they are failed to respond in my complaint. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I've been trying for almost a year to get my Lender Mr. Cooper to lower my payment by taking me out of the XXXX yr mortgage into a XXXX yr. 4 years ago I did a modification and was only given the option of changing from the XXXX to a XXXX or loose my house. My situation had improved just little so not having any other choice I did the XXXX yr. 
My payment went from XXXX to XXXX and I've struggled hard to keep up every since. When I bought the house my income showed all I qualified for was a payment of no more then XXXX, with the modification at a XXXX yr has set me up to fail. My house is all I have, I'm XXXX vet with a XXXX XXXX son and just need some relief from this extremely high mortgage please help. 

# XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX
Consumer complaint received 2019-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (RI)

Loancare took over mortgage from XXXX. Raised payment {$150.00} monthly claiming we we're behind escrow. 1st time in 6 years. Said auto pay can be XXXX to XXXX of month. I chose XXXX as I did with XXXX. Every month since XXXX been charged late fee of {$37.00} when its auto pay and $ is always in account. They refuse to fix. My credit score dropped because my mortgage increased {$63.00} last month. How can it increase? I also applied {$30.00} extra to principle.
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When I checked my credit report I notice that someone has access my personal information. I noticed that I have multiple inquiries on my credit report one from XXXX XXXX on XX/XX/2022 and the other from XXXX  XXXX XXXX on XX/XX/2022. I have no knowledge of what or who this could be.
Consumer complaint received 2019-10-22
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. (MT)

I recently reviewed my credit reports and became aware that XXXX reported late payments that I don't recall ever being late. I have had this card since XXXX and it has always been in good standings. The following are the dates that XXXX are reporting late payments that are having a direct impact on my credit score & credit worthiness. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

I have requested XXXX  proof that the alleged late payments are correct and as of this date XXXX has been unable to provide me the information I'm requesting.
Consumer complaint received 2022-08-10
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. (OK)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) but they are failed to respond in my complaint. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have a question of how my credit score is calculated. I have only one credit card with a limit of XXXX. I had a balance of XXXX, at time of dispute. The available credit of XXXX is reported as below average. 

I called Transunion about the problem and I was told that they take into account my student loan balance to determine available credit, and I responded my student loan balance should not be a factor in determining available credit because it is not a revolving credit like a credit card. 

I filed a dispute but they did not address the problem.
Consumer complaint received 2019-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

On XX/XX/2019 I began taking steps to have my PMI removed with LoanCare, my loan servicing company. I paid them {$620.00} to have a appraisal completed to determine that we had enough equity in our home to remove our mortgage insurance. I called twice within the next two weeks to check on status and was told it was still in process. XX/XX/2019 the mailed me a notification that my loan was being transferred to XXXX Mortgage. I called immediately as I was concerned about the appraisal process being disrupted. I talked to multiple agents and a manager that insured me that the appraisal was still in process and that all of the findings would transfer to XXXX. XX/XX/XXXX I called back again, as I received both a notification that my request to remove PMI was denied, but also received a statement showing that my {$620.00} was applied towards principal. The agents assured me that the appraisal was still in process, that I would be hearing from the appraiser soon. The appraiser contacted me 2 days later, and did his site inspection on XX/XX/XXXX. I thought this was a good sign. But I guess that two days earlier, LoanCare had denied my PMI request, using a XXXX value from a refinance. Now my loan is completed transferred. LoanCare, although initially telling me when I called after the appraiser was here, that the process should be completed by XX/XX/XXXX, is saying that the appraisal was not completed and that my {$620.00} was applied towards principal instead. I am now following up with XXXX, 2 months past when I completed the process, still paying PMI and still with no steps forward made towards getting an appraisal. XXXX is saying that they records do not show the {$620.00} paid towards principal. I can not pay another {$600.00} out of pocket for another appraisal. I am at a complete loss of how this happened and how this is even remotely acceptable.
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Innovative Collections, LLC (TX)

I received a debt complaint from Innovative Collections on a rental car that I turned in on the day of the supposed violation. I returned the car early AM and did not have any ticket whenever I used the car, and I don't own the car, and I don't know if I was the one driving the car if/when any violation occurred. To verify the debt / incident, I disputed the debt by following the exact procedure written out on their mailing ( attached ) within 30 days, and then I received a mail reply signature receipt ( attached also ) from a person who received it. That person 's name is XXXX XXXX and they received it last week. Yet, when I call, they say they never received anything and make up that I would be late for an appeal. I corrected the phone rep who seemed to be in error that I meant I disputed and I was within the time frame, and she was talking about an appeal w the city. I never saw anything from the city. I asked to speak to supervisor and she said there are none on staff and someone would return my call. Then later in the call, she said nobody would be calling me. The whole thing sounds illegitimate and beyond inappropriate.
Consumer complaint received 2022-07-02
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Open XX/XX/2019, 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 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 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MT)

I recently reviewed my credit report and I observed that ALLY FINANCIAL are reporting late payments to all the major credit bureaus, XXXX, XXXX, & XXXX. This negative reporting has had a severe damage on my XXXX XXXX & credit worthiness. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I don't recall making late payments and I am requesting that ALLY FINANCIAL provide my physical proof that the alleged payments were in fact late as being reported.
Consumer complaint received 2022-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear CFPB agent, The last couple of years I've been noticing changes to my credit report that are not accurate. I noticed that there are some inquiries that I don't recognize or authorized. the companies are the follows : ( XXXX XXXX ) who added an inquiry on my report on XX/XX/XXXX. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) who added an inquiry on XX/XX/XXXX ( XXXX  XXXX XXXX XXXX  ) who added an inquiry on XX/XX/XXXX please help me remove those items from my report. Thank you
Consumer complaint received 2022-06-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (GA)

there are XXXX " late payments '' shown on my credit report for student loans that were in deferment at the time. I have tried to dispute it through XXXX and XXXX but nothing has worked so far. It is affecting my ability to rebuild my score as that is my largest debt and makes it look like my payment history is bad when everything else on my report has been good.
Consumer complaint received 2019-10-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (LA)

XXXX You closed this complaint and nothing was fixed as a matter of fact it's worse.

1. Even though I send weekly extra principal payments by check to the stated address with principal payment on it ... it gets posted to interest ... I will call them on it ... they will correct..post right for awhile and then do it again. I have to check every single payment posting and take pictures of them.

2. There was an overpayment on the note side, which has now disappeared. I don't see it posted to principal like the guy said. I've sent an email and left a voicemail for him. If he can tell me the day that extra money was posted, I can pull up my pictures and see if it's true
Consumer complaint received 2019-10-22
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. (TX)

from XXXX to XX/XX/XXXX i was XXXX i pulled credit and saw multiple accounts that i did not authorize XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I would like these accounts deleted from account federal trade commission report have been submitted along with police report
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I had the companies mixed up and what happened the first time I reported these companies, so I have it right this time. 
They opened an credit card account for me, I enrolled in their credit protection program, I paid extra every month, to help with overdrafts and if you become unemployed and can't make your payments or keep the account open, etc. 
I paid on the card on time, and had a good payment history for about 3-7 months. Then I lost my job, I called and TOLD THEM I lost my job and I couldn't afford the card anymore and to close the account. 
They knew I was enrolled in their credit protection that covers unemployment, and they were supposed to write this off because of the program they offered and I was enrolled in.. So WHY they didn't and still until this day keep giving me flack & putting it back on my credit report, is a freaking mystery to me. Plus I don't owe anything to this company portfolio recovery XXXX 's, because I never got a product from them in the first place, so they shouldn't even be able to keep running my credit scores down by re-putting it on my credit at all. It's like they get some sick, twisted sense of self or their jollies off on bothering me and ruining my credit ratings at all 3 report bureaus.. 
This should have been taken off my credit report by now, and they RE-PUT it Back on my credit report AGAIN, running my credit scores DOWN Again! 
Something needs to be done immediately, because this is getting really ridiculous now.
Consumer complaint received 2019-10-22
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. (TX)

from XXXX to XX/XX/XXXX i was incarcerated i pulled credit and saw multiple accounts that i did not authorize XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I would like these accounts deleted from account federal trade commission report have been submitted along with police report
Consumer complaint received 2019-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

XX/XX/2019 I was contacted back by 1st Point Collection Agency concerning Complaint # XXXX which outlined to send more info which was last 4 of ssn. On XX/XX/XXXX I mailed copy of my ssn and NC State ID to 1st Point Collection Agency. As of XX/XX/XXXX I have not had any contact with the collection agency. I contacted Consumer Financial Protection Bureau and was advised to start another complaint concerning that 1st Collection Agency has not responded to my previous complaint.
Consumer complaint received 2022-07-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

1 ) Back in XX/XX/XXXX, I was advised by a BofA Rep my Deferral would end in XXXX XXXX and to pay my usual payment again in XXXX XXXX. 
2 ) In XXXX I called BofA and spoke to several BofA Reps including a XXXX and his manager, they indicated the Deferral ended at the end of XXXX XXXX and that my XXXX payment that I paid ( because of what the BofA Rep told me to do in XXXX ) would be applied to XXXX XXXX and to not pay again until XXXX XXXX XXXX ) I have paid all payments as asked to by BofA Reps and XXXX, however BofA continues to be misguided from systematic failures internally with systems that are not communicating with one another and despite this having A LOT of documentation and every " live '' BofA Rep I speak with apologizes and says they will escalate it ... IT STILL IS not FIXED. 
4 ) BofA tarnished my XXXX and also has had collateral damage to my borrowing power as nearly ALL CC companies reduced my credit limits due to these derogatory remarks which frankly ARE NOT true and are highly damaging 5 ) Received a very threading letter from BofA titled " Notice of Intent to Accelerate '' by XX/XX/XXXX however in my last conversation with a BofA Rep XXXX XXXX on XXXX she said after reviewing all the notes, she apologized on behalf of BofA and said she would escalate this and also the BofA Investigator XXXX XXXX said she would determine what next steps could be since I had no choice but to elevate these BofA mistakes to the CFPB XXXX 6 ) PLEASE get back to me ASAP to resolve, and correct mistakes and move on, thank you so much.
Consumer complaint received 2020-12-24
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. (IN)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (OH)

I paid my full balance using AMEX 's mobile app, prior to it being do in XXXX of 2021, prior to leaving the country for a long trip. When I returned, I discovered that American Express never applied the payment of {$1100.00} USD. In spite of filing numerous, repeated complaints with AMEX, as well as attempting to resolve the matter through legal professionals, AMEX will not acknowledge the payment and has charged me fees, interest, as well as I have now lost the additional sum AGAIN, because I had to pay my balance to XXXX to stop the interest. AMEX rarely responded to my claims and never contacted me or my lawyer by email as promised or through messages on the app. I have the original ACH File with all the data from the transfer from my Credit Union, as well as my statements showing the money went to AMEX. I am now out my time and money and additional legal fees, as well as AMEX charging me a annual fee long after I would have dumped this lousy account due to bad service if I COULD ONLY RESOLVE THIS GODFORSAKEN ISSUE. It is appalling to me that a multinational company can literally just openly steal their clients money and nothing is done to stop them. DO NOT DO BUSINESS WITH AMERICAN EXPRESS!
Consumer complaint received 2021-06-21
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 have reached out to the bureaus several time in reference to this matter and it has yet been resolved. 

The account in question : 1. XXXX Account # XXXX XXXX {$9.00} Opened- XX/XX/XXXX 2. XXXX Account # XXXX Balance {$780.00} Opened- XX/XX/XXXX 3. XXXX XXXX Account # XXXX Balance {$1600.00} Opened- XX/XX/XXXX 4. XXXX XXXX Account # XXXX Balance {$2600.00} Opened- XX/XX/XXXX
Consumer complaint received 2020-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Continental Finance Company, LLC (FL)

Over 3 months I been train to resolve a problem with XXXX Credit Card and nothing has been doing, I find out 3 months ago went I received my stamen I found I have fraud charges in my account I call customer services and they told me they will open investigation they cancel my card and send me a new one next month I call because nothing happened they told me the investigation is on process this month again nothing happened this month I call ageing and agent XXXX told me I have to speck with XXXX at XXXX but this is a recording line and not body answer the call, in the mid time I been charge with late feet and interest. I don't have other to report to you agency for help. Thank you for your attention to this matter. XXXX XXXX XXXX Account ending XXXX ( new Card number ) XXXX  Crdit Card XXXX XXXX XXXX XXXX XXXX IL XXXX Continental Finance XXXX XXXX XXXX XXXX NY XXXX