davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-18
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. (TX)

I've recently sent certified requests to investigate information on my credit file. On, XX/XX/20, XX/XX/20 and XX/XX/20. To date the companies have failed to comply AND not done their duty as mandated by law. There actions were a generated computer response. This is my third attempt requesting them provide an investigation and verification into these accounts.
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

NewRez, Shellpoint Mortgage Servicing paid XXXX County Tax Commissioner for XXXX for property located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The payment was made in error because, as the new owner at XX/XX/XXXX, XXXX County created an updated bill with extended due dates. I have attached the tax history. 
Because NewRez mistakenly made this payment they put my principal and interest loan into escrow. They also increased my p & I loan of {$1300.00} to {$1900.00} now including XX/XX/XXXX of the previous homeowners property bill. 
My actual bill is based on homestead, and is {$1000.00} less than what NewRez calculated. 
With that said, I have already paid my XXXX taxes first installment of 2 to the tax Commissioner in the amount of {$1800.00} on XX/XX/XXXX. 
NewRez has been putting my monthly payment in a suspense account, which shows me as delinquent. They won't take me out of escrow because they've created a delinquency on my loan. I have always paid early. 
Now NewRez has placed me in loss mitigation until I pay back escrow of {$3000.00}. 
I have talked to customer service folks, loss mitigation, and the escrow departments since XX/XX/XXXX, to get my payment back to p & I of {$1300.00} as it should be since closing on this loan back on XX/XX/XXXX. 
I can not pay the higher escrow payment for property taxes since I've paid my taxes on time as the attachment will show. 
I hope you will assist me in this problem. 

XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (TN)

Synovus Bank XXXX - prior to the XX/XX/XXXX dispute the credit report showed 22 missed payments and acct c/o XX/XX/XXXX. The dispute I submitted was to show verification I never missed a monthly payment. I uploaded the acct payment history from Synovus. I never missed a payment on the acct. I was not aware of the acct matured and c/o until the late reported on the bureau. The scores dropped and I could not refinance the ballon equity line of credit. XX/XX/XXXX, XXXX XXXX, Synovus Recovery Specialist ( office ph : XXXX ) reinstated the loan. I agreed to pay {$280.00} per month and signed the note with Synovus. The acct is reinstated and the bureau reported paid as agreed until XX/XX/XXXX. I am requesting the XX/XX/XXXX charge off be removed and the account to show paid as agreed from XX/XX/XXXX until current. The payment history will show the acct C/O XX/XX/XXXX. I have provided supporting documentation to verify my statement. I disputed the information 2 times with the credit agencies. Result reporting the same. 
I uploaded the XX/XX/XXXX Note ; Payment history ; XXXX/XXXX  XX/XX/XXXX credit report/ Synovus XXXX & XXXX monthly statement.
Consumer complaint received 2020-09-18
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. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

CHARGES TO MY ACCOUNT HAVE OVER 30 90 MINUTE CAPTIONING TRANSCRIPTS OF TELEPHONIC COMMUNICATIONS WITH XXXX  XXXX XXXX I ( HEREIN AFTER AS " BOA '' IN REPORTING FALSE NARRATIVE INVOLVING TWO ( 2 ) ENTITIES # 1 ENTITY : INTEGRITY XXXX XXXX XXXX REPAIR ( AKA XXXX AUTO REPAIR ) DUE TO THE FAILURE OF " BOA '' THIS REPAIR SHOP CRIMINALLY SCAM ME OUT OF THOUSANDS IN " CLAIMED '' AUTO REPAIR -MUCH OF THAT WAS NEVER DONE BOTTOM LINE " BOA '' DID NOT WITH THERE 14 CASE NUMBER ( FILES ) MR. XXXX ULTIMATELY AFTER 3.3 YEARS OF LITIGATION HAS AN 8.2 JUDGMENT AGAINST SAID ENTITY.

ALL CHARGES TO THE ACCOUNT SHOULD BE DELETED TO INCLUDE INTEREST.

ENTITY TWO : XXXX XXXX ( CAR ) CAR WAS IN AN ACCIDENT WHILE WAITING FOR THEIR LOT TO OPEN -LESS THEN A BLOCK FROM THEIR LOCATION AND COULD HAVE BEEN IMMEDIATELY CLAIMED BUT DOLLAR THOUGH ADVISED DAILY TOOK 3 DAYS TO RECOVER CAR. DOLLAR HAD IMMEDIATE ACCESS LITIGATION WAS FILED & THEY FILED BANRUPTCY THAT DERAILED TRIAL. 
" BOA ' ALLOWED DOLLAR TO CHARGE {$350.00} TO CREDIT CARD FOR 1 DAY RENTAL. THERE IS NO ENTITLEMENT FOR 3 DAYS
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AL)

I am a current mortgage customer with Wells Fargo Mortgage. I started the refinance of my home in South Carolina at the beginning of XXXX. My income change after the death of my ex husband and I wanted to obtain a lower mortgage payment plus pay off two loans, As of today, XX/XX/2020 my refinance has not been completed. I am very upset after being told that refinancing can take up to ninety day. I have provided all requested documentation and received a conditional commitment letter on XX/XX/2020. The processor of this refinance is XXXX XXXX who has been very unprofessional by not returning my calls or responding to emails. I am also working with XXXX who has been absolutely wonderful. XXXX assisted me with my Executive Complaint and he was very helpful as well as Miss XXXX who is currently assisting me with try to get to a closing date after almost seven months.
Consumer complaint received 2021-07-20
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. (AL)

My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.
Consumer complaint received 2020-09-18
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. (IL)

On XX/XX/2020 I sent a letter to Experian regarding some disputes of information that is incorrect on my report. On XX/XX/XXXX or XXXX the letter was received by Experian - as highlighted on the return receipt for my certified mailing. 

I contact three different representatives on XX/XX/2020. According to the representative in the Mixed department - Experian did not receive my information and wants me to start the process over. 

The company clearly received my mailing. Under the Fair Credit Reporting Act the company is limited in the time to respond. It is incredibly frustrating that this company has chosen to delay the process and wants me to start over when I did my due diligence in mailing the information to them.
Consumer complaint received 2020-11-06
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: EQUIFAX, INC. (MO)

The following inquiries are not mines, both unknown and unauthorized. Please remove them immediately. 

1. XXXX XXXX ( XXXX ) 2. XXXX XXXX XXXX ( XXXX ) 3. XXXX XXXX XXXX ( XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX ( XXXX ) 6. XXXX XXXX ( XXXX )
Consumer complaint received 2020-09-18
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Todd, Bremer & Lawson, Inc. (GA)

In early 2019, I received a letter from a collection agency, Todd Bremer & Lawson, that was sent to me on behalf of the University XXXX XXXX   at XXXX, regarding a XXXX XXXX that had defaulted. The letter I received from TBL stated I owed a principle amount of {$6300.00} for the original amount of the XXXX XXXX, and that TBL was also seeking over {$2000.00} in collection costs and other fees. In an effort to bring my student account balance in good standing, I submitted a total of {$8.00}, XXXX to TBL to satisfy the debt and associated collection fees.

A few weeks after submitting the payment to TBL to satisfy the defaulted XXXX XXXX I had with XXXX, my financial institution determined TBL illegally accessed collection fees and charges that were not lawful, and that were not explicitly included in the original Borrower 's Agreement. I also asked TBL for proof that the XXXX XXXX funds had been deposited in my account because I was a victim of identify theft between the years XXXX. 

TBL could not provide substantiated documentation to prove I had actually received the XXXX XXXX Funds. As a result, my financial institution determined I was due {$3800.00} to be returned by TBL for failure to execute legal & reasonable collection practices and collection costs. As it stands today, TBL is now claiming I owe them an additional {$4100.00}, which includes {$960.00} for collection costs due to TBL. They are STILL trying to collect illegal collection fees that were not  expressed in my borrower 's agreement. 

This is illegal and is NOT in accordance with FDCPA law : 808. Unfair practices - which state : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I ordered a copy of my report last XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the account, I believe it was reporting in error. 

XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-09-18
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: Experian Information Solutions Inc. (NJ)

Please remove the following unauthorized inquiries from my credit report XXXX  XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX Inquiry Date XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX   Inquiry Date XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Date XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX   XXXX Inquiry Date XX/XX/2020 XXXX
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (TN)

I was notified by a merchant that my card was inoperable due to transactions being declined as well as the inability to withdraw funds or pay bills using the account number and routing number. The issue that resulted in the blocking of alk account functions was originally due to a bank error in which the institute blocked the card temporarily to contact me and clarify transsctions. I confirmed the transactions and after a single transaction the card was deactivated. The bank then informed me that I contacted the bank shortly before the declined transaction to file a dispute for 5 transactions which were partially the transactions I previously confirmed, next the bank informed me that the account was unavailable for use and my card was no longer active and due to my request there would be a 10-14 day delay to receive a new card ; I was not given the option i which this bank for a fee of {$20.00} expedites the card to my home address. the bank refused to acknowledge that the activity was due to the bank error or an unauthorized person impersonating me to access the account. i requested the expedited service for the feature that allows the card to be tracked as well as to minimize interference. i have received no card as well as the account has been frozen with federal aid funds in addition to XXXX pension benefits and XXXX XXXX. The ability to reach customer support via a inbound call method has been restricted as my account information is nolonger being recognized.
Consumer complaint received 2022-07-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi I just checked my report and I noticed that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance.
Consumer complaint received 2022-07-30
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. (VA)

I am writhing about XXXX XXXX XXXX XXXX This account is inaccurately reporting a 30-day delinquency on my credit. I have reached out to the creditor and reporting agency to have this deleted and to this day it has not. There are numerous inaccuracies with the reporting of this account, which include but not limited to : inaccurate delinquency, inaccurate high credit amount, not showing any date of delinquency but reports a 30 day late, inaccurate payment amounts, and not updating my credit profile that the account was in dispute with the credit reporting agency or creditor. This has had an extreme NEGATIVE impact on my report, and I asked that it be removed immediately. If for whatever reason it is not removed, I am asking that I be notified in writing with proof supporting the decision and explanation of all the discrepancies with involving the reporting of this account.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have contacted this company multiple times. The insurance company has contacted them as well. This debt was covered by insurance and is not owed. Opened XX/XX/2019. It has been removed from XXXX  but transunion is still reporting it
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (FL)

On around XXXX to XXXX I saw alot of pre approvals on credit karma but credit karma sent me pre approvals telling me I could have these credit cards and personal loans and refinance my vehicle I would see this every time I logged in. 
I got so many offers I started telling everyone I would be applying and my approvals for so I finally I applied on around XXXX and I got denied for two credit cards and a personal loan I was very very disappointed credit karma told me for months I was approved this was a huge lie. I was so stressed out I had migraines and depressed. Now every time I see pre approvals I get sick I don't want to even use there app I get scared to even check check as I should
Consumer complaint received 2020-09-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I received a letter dated XX/XX/20 from XXXX XXXX XXXX stating that I had a bankruptcy filed on my Equifax credit report. On Friday, XX/XX/20, I called Equifax Mortgage Solutions at XXXX to clarify and dispute the bankruptcy. The representative took my information, then transferred me to another department. The call was disconnected. I went to the Equifax website to try and pull my credit report, but an error was reported stating that my report couldn't be located and to call Equifax. I called Equifax and spoke with XXXX, who informed me that she couldn't find any records for me. She asked if I had a line of credit, and I told her I did. She informed me that I would need to fax and/or mail a list of documents to them to begin clearing up the issue, which I still didn't understand. I asked what the issue was, and she just said she couldn't say because she couldn't find a report for me. We ended the call and I called again, speaking with XXXX. He was able to locate my report, but said that there was a discrepancy and also provided me with the fax number and instructed me to send documents. Once again, I couldn't understand what the problem was exactly and why I couldn't access my credit report. On Saturday, XX/XX/20, I faxed the cover letter they requested I write, a copy of my drivers license, my passport, my social security card and an energy report with my name and address on it to XXXX. I also mailed hard copies to the Equifax Dispute Department at XXXX. XXXX XXXX in XXXX, GA XXXX. 

Friday, XX/XX/20, I called Equifax once more at XXXX and spoke with a representative, informing her of my situation and asking for her to confirm receipt of the documents. It took her a while, but she was able to see that the documents had been received and she read them back to me. All documents were received. But then she stated she couldn't find a credit report for me. I asked for her to specifically list the problem and what I could do about it, but she was unable to clearly tell me what the problem was. I asked for a supervisor. She was then, all of a sudden, able to see my report, but then she asked me to stay on hold for a supervisor. I asked for a number to call back if I was disconnected, but she wouldn't give me a number and put me on hold. I was on hold for 1 hour when the call was disconnected. I called back again and spoke with XXXX. He told me their system was down and that I would need to call back in " a few hours '' to be able to access my report or to speak with a supervisor. 

I am extremely concerned that no one can tell me what the problem is, and if I try to ask for someone else to help me, I'm disconnected or told to call back.
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

XXXX XXXX Bayview do not combine this response with any other request do not send document that are not requested do not send copies of the mortgage do not send Bayview statements do not send a account history do not send frivolous documents not requested, send your response in writing as mentioned numerous time via USPS. 

In your Reinstatement Letter dated XX/XX/2018 attached send the breakdown of {$9800.00}, 1-specify each month the total amount due with the breakdown for principal, interest, escrow 2-identify the month amount of each late charges totaling {$250.00} 3-what month are you forecasting a late payment {$42.00} 4-breakdown of the other funds of {$250.00}
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (CO)

Because I am XXXX the company is not accepting normal proof of identity and address and is keeping me under additional scrutiny. I am a us born citizen regardless of my race and name. I provided my lease, utility bill, phone and cable bill, bank statement, ss card and a valid state id. The barraged me with emails to have my federal benefits direct deposit ( which again confirms id and address ) and the would not activate the card they sent so i can access my own money/federal benefits claiming the harassment is the fault of the government because of XX/XX/11. If they were not being XXXX towards XXXX applicants and customers this would not be an issue. i am XXXX and have XXXX kids, our benefits are necessary to survive and pay for life sustaining medications. i need help to stop this harassment, discrimination and ensure access to our federal funds.