davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CT)

I am assisting my mother with monitoring payment for her FHA mortgage for property address located at XXXX XXXX XXXX # XXXX, XXXX CT XXXX. There are two specific issues that I would like to be addressed by the company, Mr. Cooper. I have sent a letter to them regarding the first and have tried to call to discuss the second. 

1. Removal of FHA Payment The initial sale price on the property is {$170000.00}. Per the Informed Consumer Choice Disclosure once the loan to value is at 78 % the FHA payment should fall off the loan. This has not happened to date. The argument they will puffer amounts to there being late payment on the account. However, by review of the loan, there appear to be a preponderance of errors not only attributable to my mother but also to the manner in which the loan has been serviced. I believe that she has been taken advantage of as an elder person as well as her lack of knowledge about loan servicing. The matter came to my attention and admittedly I was very upset and did not address the concerns in a calm way. It is hard to see my mom on the verge of loosing her home when the issue is based on poor loan servicing. Mr. Cooper mishandled escrows among other issues while constantly making my mom believe that her loan is on the verge or foreclosure. She consistently tried to catch up with very little relief. The loan was not handled in her best interest and it appear the servicer was only concerned with assessing more fees rather than righting the errors. 

2. Late Fee Charges The monthly payment is {$960.00} ( principal and interest ) with a 4 % charge for late fee. At present, Mr. Cooper charges late fee on ( principal interest taxes and insurance ) for a total of {$61.00}. As a consumer the borrower has the option to pay the escrow independent of the loan servicer. Late fee should not be charged on taxes and insurance. I have tried to discuss with Mr. Cooper but have had no feedback. 

Please assist in getting these matter resolve so the loan can be serviced correctly.
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (WI)

THIS IS NOT A DUPLICATE I am going through a divorce and trying to refi my current home. While waiting for my divorce agreement, I made my XXXX payment to Caliber Home Loans. After a few days, I had noticed that the funds were not withdrawn from my account as they had always been in the past. I called a few day later only to be told that with the holiday ( XX/XX/XXXX ) and Covid, it could take up to 10 days to get the funds transferred. I was told to call back after that. I did. Worried about the transaction, I went ahead and made ANOTHER payment to my mortgage to make sure that the XXXX payment would NOT be counted against my credit. That 2nd payment was applied to my XXXX payment ( while leaving my XXXX payment still " unpaid ''. ) I then get a notification that my XXXX payment did not go through because I had changed bank accounts ( an old to new ) to take my soon to be ex wife off of the checking account. The bank, XXXX XXXX XXXX, mistakenly did NOT forward the mortgage payment over thus resulting to the " late payment ''. 
I AM INCLUDING THE EVIDENCE ( LETTER FROM MY BANK ) that was sent to Caliber, upon the request of " XXXX '' and " XXXX ''. Both stated that IF my bank ( XXXX XXXX XXXX ) would admit the error, that the blemish would be REMOVED from my credit report. 
I have tried to resolve this NUMEROUS TIMES and I keep getting one person after the other, at Caliber, who basically says, there's nothing they can do. 

I need help ... I did everything correct and I'm still being penalized. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2020-08-26
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: Consumer Portfolio Services, Inc. (VA)

I have a loan with XXXX/XXXX XXXX XXXX and CNS PORT SVC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/XXXX XXXX XXXX  and CNS PORT SVC with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-26
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. US DEP ED XXXX {$2300.00} XXXX XXXX {$460.00} XXXX   XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} US DEPT ED XXXX {$3200.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX {$2000.00} US DEP ED XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX {$890.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-09-02
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. (VA)

on my credit reprt there were three accounts that i felt had unfairly reports my situation when i complained my scores were lowered slightly and i was never told what the explanation was from XXXX XXXX and the two XXXX XXXX compies i filed a complaint on XXXX XXXX still haven't had a reply except to say they are still investigating and some remarks have been put on my credit file but i don't know what they said why am i still waiting and they are pushinf me deeper into the hole?
Consumer complaint received 2020-08-26
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. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX XXXX : XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. 

The 18 inquiries are not mines. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 All Banks  XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/2020 All Banks XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX. 


This company has not sent me any notification of debt. By FTC Law I  have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP. 
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2020-08-26
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)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX : XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. 

The two inquiries are not mines. 

XXXX Inquiry from XX/XX/2020 XXXX XXXX One Inquiry from XX/XX/2020 Bank This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP. 
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2020-09-02
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)

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX   is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2020-08-26
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 and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-09-02
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. (AZ)

Account is incorrectly being reported to my credit report. There are several discrepancies that are being reported to each bureau : 1 ) Payment status : XXXX  and XXXX  reporting 120 days past due and Experian showing Account transfered. 
2 ) Blance : XXXX  and XXXX  shows {$0.00} and Experian is N/A 3 ) Last updated : XXXX  is XX/XX/XXXX and XXXX  and experian shows XX/XX/XXXX. 

Account is also duplicate on my report where one is reporting the discrepancies mentioned above and the correct account is reporting on time and in good standing with all accurate information. 

Please delete inaccurate account as it is reporting my credit incorrectly and inaccurate.
Consumer complaint received 2020-09-02
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. (AZ)

Account is incorrectly being reported to my credit report. There are several discrepancies that are being reported to each bureau : 1 ) Payment status : XXXX  and Transunion reporting 120 days past due and XXXX  showing Account transfered. 
2 ) Blance : XXXX  and Transunion shows {$0.00} and XXXX  is N/A 3 ) Last updated : XXXX  is XX/XX/XXXX and transunion and XXXX  shows XX/XX/XXXX. 

Account is also duplicate on my report where one is reporting the discrepancies mentioned above and the correct account is reporting on time and in good standing with all accurate information. 

Please delete inaccurate account as it is reporting my credit incorrectly and inaccurate.
Consumer complaint received 2023-09-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC (MD)

Lender replaced the portal with UAS XXXX and I can not access the statements. 
When I try, the screen just turns gray and links to " null '' I need access to my current statement or payment will be delayed. 
How can I pay without a statement?
Consumer complaint received 2020-08-26
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)

Summary XXXX has applied a fee of {$300.00} to my account, improperly o The fee is improper because I was never notified or informed about the existence of this fee until after it was applied o To the best of my knowledge, I did not consent or otherwise agree to this fee when placing an order for services by XXXX Efforts to dispute the fee directly with XXXX did not resolve the situation Although I paid the bill for services I agreed to receive, I did not pay the outstanding balance pertaining to the disputed amount Despite my dispute efforts, XXXX sent the unpaid balance to collection and reported a negative credit report to all three national credit bureaus The negative credit item caused my credit score to drop by 145 points, and resulted in a denial of credit by a financial services company I furnished all of the information to the credit bureau, as evidence of an ongoing dispute. The bureau has not removed the negative information from the credit file.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

Currently I have 2 charge-offs being reported inaccurately, The original charge off date was XX/XX/XXXX, after multiple attends this matter is stopping me from closing on my home. As both items are older than seven years, I filed a dispute with Experian and all of the other national credit bureaus to have it removed from my credit reports. 

I received the following response to my dispute however, the information has not been removed. 


Report Number : XXXX Date Generated : XXXX XXXX, XXXX, XXXX   XXXX XXXX Account XXXX, XX/XX/XXXX On Record Until XXXX  XXXX XXXX Account XXXX XX/XX/XXXX On Record Until
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I noticed on XX/XX/XXXX that XXXX XXXX XXXX was reporting account XXXX on my Equifax report. Also, I checked XXXX and XXXX and noticed XXXX XXXX is reporting to these two bureaus as well. I NEVER received any noticed prior to them placing this debt on my report for XXXX XXXX so I could have disputed this debt, which is a violation of my FCRA rights. The collection agency has re-aged this account to a date of XX/XX/XXXX. However, according to the original creditors date of first delinquency this is INACCURATE. I'm requesting that all three credit bureaus delete this account immediately. I have tried to have this rectified through disputing but XXXX and the CRA 's fraudulent verify this information is accurate. 

In addition, XXXX XXXX is reporting an INCORRECT balance that is different from the charge off amount of the Original Creditor. 
This have caused harm to my reputation and prevented me from obtaining a mortgage.
Consumer complaint received 2019-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC (TX)

XXXX of Texas had this account and has sold it to different companies apparently, because once we completed our bankruptcy successfully in 2017, Phoenix Financial Services started harassing us and they said that this bill had passed its limitations but we could still settle the debt!! I informed them that we paid all our debts through the bankruptcy but they said they wouldnt contact us anymore!! They still put this on our credit once and we gave them our bankruptcy attorneys information as well!! The company name is a collection agency Phoenix Financial XXXX
Consumer complaint received 2019-06-27
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. (NC)

I am reaching out to the CFPB in direct complaint as I am a I have tried to deal directly with the credit reporting agencies, yet to no avail. This is my third attempt as the credit reporting agencies have not adhered to FCRA 605b which specifically states that all accounts identified through law enforcement in an Identity Theft occurance are to be blocked. These are the accounts that this Reporting Agency has failed to address : XXXX XXXX XXXX XXXX XXXXn XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX   Credit Card - XXXX XXXX XXXX Card - XXXX XXXX XXXX XXXX Credit Card - XXXX
Consumer complaint received 2020-08-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: American Accounts & Advisers, Inc. (AZ)

I allegedly hold a debt for {$440.00}, with : American Accounts Advisors , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX They claim I took out a XXXX XXXX on XX/XX/2017. I never received a loan from this organization. Please contact them and investigate who, in fact, took out this loan in my name.
Consumer complaint received 2020-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I've been trying to dispute incorrect information on my Transunion credit report since XX/XX/XXXX, XXXXThe account is " XXXX XXXX XXXXXXXX XXXX '' for {$200.00}. My first dispute was on XX/XX/2020 with no investigation or response from Transunion. My 2nd attempt to follow-up and let them know that they have violated the law by not responding to my dispute was on XX/XX/2020. Each time I've disputed the item with Transunion they received the dispute as it was tracked via Certified mail with tracking receipt. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), Credit reporting agencies have 30 days to investigate disputes. If they can not verify the information within the 30 day time period, they must delete all of the disputed accounts from my report.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX