davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Shermeta Law Group, PLLC (MI)

shermeta law group XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX this company took over a debt owed by a third party collector for XXXX XXXXXXXX in the amount of roughly XXXX $ and is a 15 year old debt but continues to re file judgements renewals for a debt they do not contact me about and or had i known of, however they have a XXXX $ with XXXX XXXX that doesnt affect me and calling them would simply probably either get me a huge bill and fees or a pennies settlement that may come up oh my credit reporting as current and the clock may start over for my great credit i want to report that these companies file XXXX $ renewal judgements continuously on a XXXX $ debt thats 15 years old but is ridiculous that they get approved XXXX XXXXXXXX approved me 6 years after a debt was outstanding and have continued to approve me but the renewal status flagged my perfect payment history now as possible delinquent and capital one has not only closed XXXX of my cards 15 years later but reduced limits to nothing on the other due to XXXX $ renewal judgements and a XXXX $ debt these law firms and pllc groups ( which has since closed ) can not get away with these crumb lawsuits and hurt credit specially after statues have long been over and the amount of debt does not justify the renewal or the continued judgments bXXXX XXXX XXXX XXXX XXXX XXXX companies XXXX $ debt 15 years passed and they are continuing to fight a credit card that was charged off and charged on an authorized user card none the less
Consumer complaint received 2020-07-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account.
Consumer complaint received 2024-10-21
Product: Credit reporting 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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I Dont understand why a large corporation like Experian can continue the unethical, oppressive manner by which the run a critical component of a citizens life and lively hood -credit reporting. In 1 day my credit score dropped 9 points. I did nothing, no late payments, no inquiring, no new credit accounts. No rhyme or reason for it except retaliatory. I suspect because they have the power to do so. I provided proof that based on credit laws XXXX XXXX - collection item should have been removed ( XXXX ) instead Experian updated the negative reporting as XXXX XXXX updated the XXXX while it should not be on my report, updated it as a ongoing monthly delinquency when last payment was XXXX, they continue reporting it as negative reducing my score monthly. They removed collection items and did not increase my credit score but instead decreased it. There are other errors that other credit bureaus corrected and Experian did not. The reason retaliation for complaining through this portal. 

Does this happen to all Americans or just some?
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Experian is not investigating dispute that I made three times since XXXX of this year. I even sent them in paper a mail with all the profs showing the mistake. They keep saying they modify my account and they not doing nothing. I called, email and mail them several times and nobody seems to care. My score in between had been harm with a over 100 points loss with this. Please help me.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX..
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft and I have been trying to correct the inaccurate, incorrect and misused information on my profile multiple times. They are refusing to fix and always claim its verified with no proof.
Consumer complaint received 2020-06-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation (GA)

To whom it may concern My name is XXXX XXXX, in XXXX I got a loan with one main financial for a use card XXXX XXXX XXXX, the loan initiate with a balance of {$8300.00}, when I got the loan the agent offered me to put a XXXX insurance during the term just in case something happen, but I was my first time to get loan, i dont know about the insurance and I accepted it, they charge me a interest 35.31 % for the loan, so the duration of the loan is for 60 months, I will have to pay {$17000.00} for a use Car. Last week I called the insurance company and canceled the insurance they give me a refund for {$950.00} and I asked them to applied this amount into the principal balance, and then I already paid {$390.00} to the principal that give me a total of {$1300.00} I paid to the principal balance I suppose to owe {$6900.00} base in my calculations it supposed to be less they put on my balance {$7000.00}, I called then to fixed the principal they dont wan na do that, In this difficult time I cant give them my money I work hard to pay my bills they suppose to make the adjustments on my balance. 

Please I need help to fixed that issue with one main.
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

I have been calling Shellpoint at least once a week since mid XXXX regarding a tax bill that was paid LATE by the company from my escrow account for my Town of XXXX taxes. Since it was paid late by Shellpoint, the late fee is Shellpoint 's responsibility. They used MY money from MY escrow account to pay the late fee of {$130.00}. I received a letter from Shellpoint ( attached ) admitting their error & I would be refunded this amount. I also was told over the phone multiple times by multiple agents ( on recorded lines ) that I am entitled to the refund. Every time I call I start the process over of explaining the situation. For almost 2 months, I am told it is pending, or it will be in review for 60 days, or it will be 3 to 5 business days to review & call me back, or sometimes told there was no error! Supervisors escalate the situation & say they will call me back but never follow through. Blatant lies on many occasions. I am still waiting on my refund and want my money now. I am done waiting. This is their error and the amount of time and effort I spend weekly on this is unjust.
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE (CA)

I requested a loan recast on XX/XX/XXXXand sent a {$50000.00} ( $ XXXX to pay down the principal and {$300.00} for processing fee ) cashier 's check on XX/XX/XXXX. After they received the check, I found out they didn't apply the whole $ XXXX toward the principal. Instead they applied a big portion toward future mortgage payment. After that issue was fixed, they were supposed to send me the recast agreement to sign and return. I found out by the recast agreement document they posted on my account online, they sent the document to Idaho while I live in California. So I printed the agreement and notorized it and sent it using the mailing label included in the Recast Agreement on XX/XX/XXXX. While the agreement said to send it back to their office in Connecticut the mailing label was addressed to XXXX XXXX in XXXX  Arizona, so I called them to make sure it was OK to send the agreement to the XXXX  office and I was told they have an office in XXXX  and it was OK to use the mailing label. Tracking system showed the agreement was delivered on XX/XX/XXXX. OnXX/XX/XXXX, I had an envelope marked as confidential on my front door that had a cover page instructing me to call a local company to sign and notorized the included recast agreement which I did already a few days before. I've been calling since XX/XX/XXXX to find out the recast status, whenever I got to talk to a customer service representative nobody knew the status. They promised to call me back and I haven't heard back I also emailed them 3 times while auto reply said they'd get back within 48 hours, but I haven't heard back. This is my complaint about the recast.

My second issue with The Money Source is they sent me the XXXX form with incorrect interest paid for XXXX. With the attached monthly transactions and XX/XX/XXXX statement, I found out they didn't include interest paid for XX/XX/XXXX in the amount of {$490.00}. I called to request correction of 1098 early XXXX and haven't heard back for a couple of weeks, so I called again and no status on that. Then around XX/XX/XXXX, I received a XXXX INT 1098 that is {$490.00} more than the amount in the original 1098 form posted on my account at the beginning of XXXX. They corrected the wrong 1098!! I called and they told me I had to call the IRS to correct it because the IRS gave them that amount which is completely wrong. They are the one reported the info to the IRS. Up till today they still wouldn't admit they made a mistake on my XXXX 1098 form and added a mistake to my XXXX 1098 form. Because of their mistake, I have to file for extension for tax return for the first time. 

TMS should not be in the mortgage business.
Consumer complaint received 2020-06-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Applied Data Finance, LLC (FL)

A man Named XXXX XXXX phone number XXXX called my Mothers phone who is not even listed on my account nor had permission to talk to my mother told her her sent me certified mail, wanted to know my information and even told her my Social security number. This may very well could not have been my mother but a stranger he talked to not knowing giving my personal information to. My mothers name, phone number or any information was not linked to my account. 

After hanging up with my mother he called my XXXX year sons phone left a detailed message on his voice mail that states his name not mine yet again he left my personal information on a 40 second voicemail about certified mail, debt collection needing a call back left 2 names and again the last 4 of my SS #. 

This is a direct violation of anyone rights. The dept collections process should not have happened at all. I fill like my information is just being handed out to anyone and everyone by this company. None of the people they have contacted where on my contact list nor did i give them phone numbers of the people they have contacted. I am now worried they are calling people at random giving my private information out to them.
Consumer complaint received 2020-07-07
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Kenosian & Miele, LLP (CA)

On the second of XX/XX/2019 the law offices of XXXX XXXX XXXX sent a man claiming to be with the XXXX XXXX County courts. he showed me a printed ID with no picture saying he was with the county and said I was being sued. He gave me no paperwork and no original document that had a court date or anything else. I told him with out a picture ID that indeed looked like a valid County ID that he needed to leave. He got angry and upset and I told him to get off my property and not comeback. He was real close to me physically throwing off my property. I received another letter from this crooked attorney last week and called to explain the situation to them but all they want to do is demand money. All I have is my Social Security and Veterans Benefits. 

The law offices address is XXXX XXXX XXXX XXXX., # XXXX XXXX XXXX. California, XXXX XXXX
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (SC)

Over the past few months I have been charged numerous overdraft fees due to pending deposits. On XX/XX/XXXX I was charged {$100.00} in overdraft fees but I had money in my account and would not have been negative had it not been for fees,. When this fee posted it brought my account negative and then I was charged {$100.00} the next day on XX/XX/XXXX!
Consumer complaint received 2020-07-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

XXXX XXXX is the holder of my loan. PHH Mortgage Services services that loan. I have been dealing with them for less than a year, and its been an absolute nightmare that only gets worse. I was unable to access my account via their website for the first 6 months. Anytime I would call I would be routed to an overseas call center, where no one knew how to help me. The one time I was able actually access my account was with the help of a customer service representative that was from the United States. Eventually, that problem got resolved. Since I have a VA loan, I requested a XXXX month forbearance of my payments, which I was approved for, but I would have to make a balloon payment when that expired. I opted out of the forbearance. However, they have twice sent correspondence to the VA telling them that I was behind in my payments. This is a complete lie. I have never fallen behind on my payments. 
I always make my payments usually a few days before the due date. I submitted my via their new and improved website. Their website said that the payment had been applied, yet it had not cleared my bank. When I rechecked the PHH website it said that I was late. When I called them, I was told that my bank rejected it as NSF. This is very surprising to me, because the money was there. I started a three-way call between my bank and PHH.  I have a recording of that call. The gentleman at my bank, XXXX XXXX, verified that the funds were there and no payment for mortgage ever came through. I resubmitted the payment during this conversation. The website, again said that the payment was applied, as of today, it says the same thing. Yet, the funds are still in my bank account waiting for them to take the payment. They are trying to force late fees, or worse, foreclosure. Why are they allowed to do this?
Consumer complaint received 2020-06-03
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)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavi
Consumer complaint received 2020-07-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

i sent out a letter to the 3 credit agencies over 30 days ago and still havent recieved a response and by federal law the agency has 30 days to respond or the account must be deleted.
Consumer complaint received 2020-07-08
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. (CA)

I applied for a personal loan with XXXX today XX/XX/2020 and unfortunately I was not approved due to a few accounts in negative standing appearing on my credit history. I looked though each account and none of them are mine. I did not open any of the accounts I listed on this report and I did not allow anyone to open them in my name with my personal information such as my social security number, name, date of birth or address. I did not benefit anything ( money, services, goods, any other type of benefit ) from these accounts that were opened without my permission and I did not contribute to any payments that might have been made towards these accounts. I am not affiliated to any of these companies and I did not allow them to run or access my credit. I already filed a complaint with the CFPB as well as a police report regarding all of these unauthorized accounts.
Consumer complaint received 2020-06-03
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. (TN)

i have reached out to Transunion to fix this issue they have not fixed this matter yet.They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.