davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My son is in the process of buying my home at XXXX XXXX XXXX, XXXX, NY, XXXX. He is using XXXX XXXX  also. Because the home sale is in progress and will close soon no payments were made for XX/XX/XXXX, and XX/XX/XXXX. His lawyer and on advice from XXXX XXXX  said this would not be a problem. Today I received an E-mail from Transunion stating my account is two months overdue and that my credit report took a XXXX  point dive. I am extremely upset about this. After the required home inspection it was stated that some Vinyl siding panels needed to be installed along with a handrail. This work is in progress now and due to sub-zero weather the work will be completed in a couple days. Please tell me how to remove the negative credit report. XXXX XXXX  is involved with this transaction and my son has been in constant contact with XXXX XXXX. How did this happen and how will it be removed. I have never had a late payment until this sale that XXXX XXXX  is handling. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc. (NH)

I've had extreme difficulty paying my bills for XXXX XXXX XXXX XXXX XXXX Nh and it's parent company XXXX XXXX for years. I can give you the details of those years if needed. Many times I've had payment plans and paid til they wouldn't take anymore money and this has happened several times. Last year the hospital had me make payments to XXXX different locations and I did til they were paid off but it was a kinda flimflam because I never knew what the bills were for or if valid. Today I get a letter from one of those agencies AMCOL but never got a bill and I was caught up. I strongly suspect fraud. Trying to call these people is useless and impossible to resolve anything. If they have XXXX non collection account that I can make payments we should all be happy but these people won't do it. I am willing and able to make payments, all the extreme difficulty comes from these related companies. When I saw this letter I've had it with their scams and need help. Should I contact the AIG? 
XXXX XXXX XXXX
Consumer complaint received 2022-01-12
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: SYNCHRONY FINANCIAL (CA)

XXXX XXXX XXXX XX/XX/2020 / {$2300.00} SYNCHRONY/ASHLEYS HOME STORE / XXXX {$3400.00} XXXX XXXX XX/XX/2020 XXXX {$13000.00} XXXX XXXX XX/XX/2020 / {$52000.00}
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (MD)

On my Elan Financial Services card or Fidelity card ( Elan Financial Servi ) is what it shows up as on my credit report. It is currently incorrectly reporting that I have a {$16000.00} balance when it should only be reporting a {$1200.00} balance. This should be the balance based on the closing date of XX/XX/2021. I am not sure where they are getting a {$16000.00} balance from.
Consumer complaint received 2022-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recently noticed some mistakes in my credit report. On XX/XX/2021 I mailed dispute letters to all three credit bureaus ( XXXX, XXXX, and Transunion ) asking them to investigate and verify two negative collections accounts ( XXXX and XXXX XXXX  ). Two weeks later, on XX/XX/2021 I mailed a second letter in because I noticed some unauthorized inquiries on my account also. Not only did they not respond within the 30 day period for the disputes I sent on XX/XX/2021 when I finally received results from the credit bureaus on XX/XX/2021 the accounts came back as verified after I included all the inaccuracies the collection companies were reporting between the three bureaus. I was not satisfied with their investigation, so I contacted the collections agencies asking them to validate that the debt belongs to me. Neither the credit bureaus nor the collection agencies provided me with verifiable proof and signatures to show that the accounts belong to me. They have ignored my disputes and failed to provide me with the proper paperwork to show ownership. These derogatory accounts have caused me tremendous hardship in accessing credit, loans, and employment opportunities in a time when it's already hard enough with what's going on.
Consumer complaint received 2022-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NY)

I have a mortgage with Caliber Home Loans. I am the only borrower on the loan, and my ex wife is successor in interest. Caliber home loans has been stating that because my ex wife is successor in interest, that she can make the same changes to our mortgage account as I can. For example, on XX/XX/2021 they allowed her to change the homeowners insurance and never even contacted me that it had been changed. Furthermore, on the phone several months ago they indicated they would be reporting her social security number to the IRS on form 1098, even though I am the primary borrower and am liable for the mortgage, and they have been reporting my social security number to the credit bureau. It is my understanding that successor in interest is only allowed to receive copies of documents while the borrower is alive, and Caliber refuses to agree with this.
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Someone was using my information, THIS WAS NOT ME!!
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

Recently I did an investigation on my credit report and found several items on there to be inaccurate and not updated correctly and removed. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 
Experian*** Account Name : XXXX XXXX Account XXXX Card Monthly Payment {$25.00} XXXX Date Closed -- Date Closed -- Balance {$620.00} XXXX ** XXXX XXXX Account XXXX Card Monthly Payment {$25.00} XXXX Date Closed -- Date Closed -- Balance {$620.00} Equifax*** XXXX  XXXX Account XXXX Card Monthly XXXX {$25.00} XXXX Date Closed -- Balance {$310.00} Balance {$0.00} XXXX XXXX  Account XXXX Monthly Payment {$0.00} Date XXXX Date XXXX High Balance {$580.00} XXXX XXXX  Account XXXX Monthly Payment {$0.00} Date XXXX Date XXXX High Balance {$580.00} XXXX Not reporting Equifax** Account Name : XXXXXXXX XXXX Monthly Payment {$0.00} Date XXXX Date Closed -- XX/XX/year> Balance {$0.00} High XXXX {$470.00} XXXX Account Name : XXXX XXXX Monthly Payment {$0.00} Date XXXX Date Closed -- XX/XX/year> Balance {$0.00} High Balance {$580.00} XXXX Account Name : XXXX XXXX Monthly Payment {$0.00} Date XXXX Date Closed -- XX/XX/year> Balance {$0.00} High Balance {$580.00}
Consumer complaint received 2022-01-12
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. (AZ)

I was told in XXXX of 2021 that I had been approved for a loan modification which stated that I had to make 6 months payments on time to enter into a modification which I did and was approved for a modification. After I return signed notarized copys they said Id be sent my copy of the signed and notarized copy. I still havent received my copy. I talked to them numerous times and everyone I called and request my copy said theyd send and they never did. I was not informed ever about them changing my mortgage note from 30 to 40 years and I couldnt get anyone to return my call with my questions. Every time I call they say Im behind on my payments. Ive explained numerous times to every rep that I never would have been approved for modification if I was truly behind. XXXX continues to report to all the credit bureaus that Im late and behind months on my payments which is false and is destroying my credit score. Due to Covid and the death of my wife and me being XXXX on strong XXXX XXXX Ive been extremely stressed out. How unprofessional not to address my questions and concerns. I suspect it is being done deliberately to keep me locked in at my 4.5 % which they benefit approximately {$3000.00} a year on each 1.0 % interest on my {$300000.00} mortgage for the next 40 years. I thought there federal protections in place to stop this kind of treatment of people, especially since Im a XXXX XXXX XXXX XXXX, widowed man. I will continue to protest my treatment. Hopefully I dont need to get a lawyer to get any help from anyone government or XXXX. Still waiting for proof that my modification was approved with either a letter or an email. All I have is my word of what Ive been told. From this point forward Ill be recording any phone conversations I have with XXXX to prove Im being messed with. Shame on you XXXX saying youre trying to help me. Sincerely XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-12
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: Shellpoint Partners, LLC (AZ)

I was told in XXXX of 2021 that I had been approved for a loan modification which stated that I had to make 6 months payments on time to enter into a modification which I did and was approved for a modification. After I return signed notarized copys they said Id be sent my copy of the signed and notarized copy. I still havent received my copy. I talked to them numerous times and everyone I called and request my copy said theyd send and they never did. I was not informed ever about them changing my mortgage note from 30 to 40 years and I couldnt get anyone to return my call with my questions. Every time I call they say Im behind on my payments. Ive explained numerous times to every rep that I never would have been approved for modification if I was truly behind. Newrez continues to report to all the credit bureaus that Im late and behind months on my payments which is false and is destroying my credit score. Due to Covid and the death of my wife and me being disabled on strong pain medication Ive been extremely stressed out. How unprofessional not to address my questions and concerns. I suspect it is being done deliberately to keep me locked in at my 4.5 % which they benefit approximately {$3000.00} a year on each 1.0 % interest on my {$300000.00} mortgage for the next 40 years. I thought there federal protections in place to stop this kind of treatment of people, especially since Im a XXXX XXXX XXXX XXXX, widowed man. I will continue to protest my treatment. Hopefully I dont need to get a lawyer to get any help from anyone government or Newrez. Still waiting for proof that my modification was approved with either a letter or an email. All I have is my word of what Ive been told. From this point forward Ill be recording any phone conversations I have with Newrez to prove Im being messed with. Shame on you Newrez saying youre trying to help me. Sincerely XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-10
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. (VA)

In accordance with the fair credit reporting act XXXX  account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Section 2 : I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-01-12
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)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian 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 60 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 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 futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2021-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Freedom mortgage initiated telephone solicitation to my phone line. I have since made multiple requests for a copy of their internal do not call policy pursuant to 47 cfr 64.1200 and to have my number added to their internal do not call list. 

I have not received confirmation of either as required by the CFR 's The underlying asset is a federally backed mortgage.
Consumer complaint received 2022-09-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (OH)

XX/XX/2022 XXXX XXXX  XXXX XXXX I broke my lease I was not evicted!! I paid all Utilities before leaving I was in financial hardship so I left .... I will pay for the month of XXXX witch I am responsible for the amount of XXXX but I will not pay XXXX I do have the check showing I paid utilities XXXX
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (CT)

According to a XXXX XXXX with Discover, funds in my accounts are on hold due to possible fraud activity as of XX/XX/XXXX. It appears the fraud referenced is a check a relative deposited into my account via mobile app in XXXX or XXXX of XXXX, the amount of {$690.00}. The account was opened under my name because the relative, a cousin with same name, is unable to open deposit accounts due to credit issues. He used my account to deposit a check issued by XXXX XXXX, supposedly issued in his name but my have intercepted check from another party, thus the reason for suspicious fraud activity. I attempted to reach XXXX in re, was unable to reach via phone. The funds from check are no longer in account as far as I know. Please provide this information to Discover to assist in issuing remaining funds in accounts, if any.
Consumer complaint received 2022-02-23
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. (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 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 FairCreditReporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (AR)

Paypal somehow lost the link to my bank. Then they projected 5 days out so I asked for reversal. All I got was automated messages thanking me for my patience. When I complained online they circled the wagons. A XXXX complaint got my projected date pushed back further
Consumer complaint received 2022-01-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (MO)

I had fraud on my bank account and stated this to the company every day, they called me every single day and I always answered I am at work and they decided to call there when I didnt pick up One day but I he called back w in an hour Ive been written up for being on phone during business hours as I stated that to them I cant get money back from bank until my investigation is done, I have let them know multiple times they started then calling me and my work daily then they called at XXXX XXXX XXXX and they call no caller id after hours and weekends I called back yet again and they keep saying I havent been in communication they want an update daily but Im at the mercy of my fraud and its not quick thing to Solve and I have let them know this then she threatened to File suit on me they have harassed me jeopardized my job as well at my mental Health and I had to go see a doctor for suicidal for the threats of suit and phone calls to Myself and work and now costing me My Job
Consumer complaint received 2022-01-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

America First added all my accounts together saying that it was in the loan agreement that I signed which I was not given a copy, I was not given a chance to read the agreement and I'm XXXX which they knew because I received my XXXX check in my account with them so I believe I was discriminated against and taken advantage of because I'm XXXX. Plus how can they do that when it was a collateral loan.
Consumer complaint received 2022-05-17
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # 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 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 ) 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.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX I submitted a fraud claim # XXXX with Wells Fargo after finding out my card and pin number had been stolen/compromised and had spent over {$500.00} in my account. Wells Fargo has continuously denied my claim on the basis that sent my card and pen was used then the transaction must have been approved by me. I had a XXXX XXXX XXXX in XXXX of XXXX and it is my belief that someone took advantage and was able to obtain my pen and debit card. I have had around {$30.00}, XXXX pass through my account over the last year and have never disputed a claim unless there was cause.
Consumer complaint received 2022-08-11
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. (MD)

To whom it may concern, I am writing to request information about the account XXXX XXXX XXXX on my credit report EQUIFAX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.