davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-14
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

XX/XX/XXXX SPS was contacted to see about options to help with payment after a motorcycle accident and a slow start in short-term XXXX payments. The representative XXXX found a solution by taking one payment and dividing it over 6 months. He advised the amounts needed to be paid and when. We asked the representative if this would be negatively reported on our credit XXXX responded with no it would not be a problem on the credit report everything would be okay. Stating we needed to pay the first payment of the new amount and make the other payments on time it would be fine. The first payment was due in XX/XX/XXXX and the last XX/XX/XXXX. We completed the repayment plan without any issues. We applies to cosign on our children 's school loans and were denied then we saw the issue. Learning that SPS had reported 30 days late on 3 of the 6 payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. We called SPS on XX/XX/XXXX, and XX/XX/XXXX, asking for the recorded call to be reviewed with each rep telling us they would document the account and have a manager review. The next rep informed the previous rep didn't do what they had said and it had not been reviewed. On XX/XX/XXXX, XXXX agreed nothing had been done as promised and asked us to hold while a supervisor found and listened to the call. A supervisor informed XXXX that we were correct the original rep did state that nothing negative would be listed on our report when asked. Also, once it was established there would be no harm to the credit did we enter into an agreement for repayment. XXXX XXXX, the supervisor said we were correct and the report would be fixed. We needed to in writing ask for it to be removed from the report due to the error on the mortgage company 's part. On XX/XX/XXXX, an email was sent to the address given to us explaining the situation, the supervisor 's decision after listening to the recording, and the request for the correction on the credit report. On XX/XX/XXXX, SPS added a letter to our online account stating that they did review the audio from XX/XX/XXXX and confirmed the representative did in fact state there would be no negative reporting on the credit report. SPS also stated that they would not fix the report because they were acting within the guidelines for reporting by law. We were misled and misinformed at the time of the verbal agreement in XX/XX/XXXX. We entered into the repayment plan under the terms that were given by the representative in XX/XX/XXXX and asked for things to be clarified to be sure we understood the terms. We would have never agreed had we been told payments would be reported late. We fulfilled our end of the verbal agreement and SPS needs to do the same.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2022-12-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

In XXXX, during the mortgage crises, I applied for a loan modification with the assistance of XXXX. After a very long process, I was finally given a loan modification that included a XXXX XXXX XXXXXXXX XXXX of {$47000.00}. According to the XXXX program and XXXX XXXX, the deferred amount should be reduced to XXXX XXXX XXXX XXXX in good standing. 
I have had over XXXX XXXX of good standing but never had the deferred amount reduced. I contacted Chase regarding this error and was told that my modification was not XXXX and therefore, I did not qualify for the benefits of the XXXX program, including forgiveness of the XXXX. 
I contend that I was wrongfully placed in a non-XXXX modification even though I qualified for a XXXX and all of the benefits that includes. 
For supporting documentation I have a letter from Chase dated XX/XX/XXXX that stated that I was qualified for the XXXX modification. 
I do not believe it is a fair practice to be placed in a modification that provides for fewer benefits than XXXX that I qualify for. The resolution I seek to this matter is to have the benefits of the XXXX modification applied to my loan. Specifically, I would like the deferred XXXX of {$47000.00} forgiven and reduced to XXXX as per the benefits of the XXXX program and XXXX XXXX 
Supporting Documents XXXX. XXXX from Chase dated XX/XX/XXXX, advising " Congratulations! You are eligible for a XXXX XXXX XXXX '' XXXX. Letter from Chase dated XX/XX/XXXX stating my loan was processed as a Chase XXXX and not a XXXX XXXX XXXX 
XXXX. Letter from me to Chase, dated XX/XX/XXXX, requesting forgiveness of the the deferred amount based on XXXX program benefits and XXXX  rules. 

Thanks for your attention and assistance with this matter.
Consumer complaint received 2023-01-27
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. (NC)

In XX/XX/2023, a third party debt collection company called XXXX XXXX XXXX flagged my Equifax credit report with an invalid and inaccurate account # XXXX for an unpaid debt of {$230.00}. This to me, is very unfamiliar. Ive never done business with this company. I believe they have the wrong person. They are reporting false information which is hindering my credit report. According to the FCRA, I have the right to ask for proper verification of this account listed with physical verification which I have yet to receive.
Consumer complaint received 2021-09-14
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. (GA)

I have been disputing an ongoing issue with XXXX, XXXX, and Transunion that has been going on for well over a year. XXXX, XXXX, and Transunion are reporting a bankruptcy on my credit report that is clearly unverified. I have disputed the egregious information as well as sent documentation supporting my claim as to why the information should be deleted from my credit report. I have also filed previous Consumer Financial Protection Bureau reports and XXXX, XXXX, and Transunion continue to report the information as accurate and verified. At this point, it is evident that either a proper investigation is not being performed or they are being willfully negligent. XXXX, XXXX, and Transunion are in violation of F.C.R.A. 611 ( 15 U.S.C. 1681l ) and I am requesting that the information referenced in this complaint be deleted immediately from my consumer credit report.
Consumer complaint received 2021-07-06
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. (DE)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. I have no idea who this person is that has my SS number and Birthday. 

Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$33000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$410.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$6500.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Equifax is reporting a wring name as well as wrong address that I have no knowlege of on my credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX, TX XXXX. This information is inaccurate. Also, There is a name of XXXX XXXX XXXX on my account. This information is also not accurate and that is not how my first name is spelled
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IN)

With Lowes Account numberXXXX XXXX XXXX XXXX, was arbitrarily closed as of lat XXXX or early XXXX of 2020. How do I know this i went to try and buy items for my grill. I had paid the card down at least {$800.00}. But Lowes or Synchrony saying I had to many revolving accounts closed my account. the {$330.00} was interest they had slapped on. and a Service rep has told me that it was just interest and they would 0 it out. later they said I owed between {$180.00} and {$200.00} because their supposed interest is just an estimated amount. I was locked out of my account tried to pay {$180.00} but was locked out and the rep said I could not pay over the phone why because the account was closed now as of XXXX they say I owe {$550.00} which is fraud interest fraud late fees and fraud statement. This card was closed by Synchony Lowes in XXXX of 2020. If they persist I will write to the credit bureus and contact an attorney for Damage to my credit by them. for fradulent billing and collections.
Consumer complaint received 2022-07-14
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. (FL)

I am so upset right now. My loan was transferred to XXXX as of XX/XX/XXXX. I am filing a complaint against this servicer for failure to process a timely loan modification, inaccuracies reported to my credit bureaus and failure to apply payments properly. I had been in forbearance with my old servicer due to covid. At the end of my forbearance, I was offered to do a permanent loan modification and did my trial payments for XXXX, XXXX and XX/XX/XXXX and signed all the loan modification paper work in XXXX with a start date of XX/XX/XXXX. XXXX. I made my first payment under the loan modification on XX/XX/XXXX with my old servicer and I transferred to XXXX effective XX/XX/XXXX. Every week I am told it is still processing and to give it more time. Then last week I received XXXX notice of default letters concerning my mortgage. I called and then was told not to worry I am in loss mitigation and my XXXX is approved but need more time. I was then told that my payment I made on XX/XX/XXXX was applied to XXXX and it should have been applied to XXXX. I was then told by the XXXX it was a mistake by the rep and she did not understand the loan modification was approved but just extended to give them additional time to process. In the interim I applied for XXXX assistance due to the negligence on my account with this servicer. I can not trust anything they say. I found out today I was approved for the full past due and XXXX months forward payments. I also got a credit alert that XXXX illegally reported my account as 120+ days past due. I do not have access to my account due to their negligence and now my credit is ruined. I demand they stop ignoring me, I demand they rescind the inaccurate reporting to the credit bureau 's and I demand they apply the XXXX payments to my account and give me access to my account. I further demand that my account is transferred to a competent servicer when this is resolved and they be held liable for any bad actions my other creditors take due to their unconscionable and inaccurate credit reporting
Consumer complaint received 2023-03-27
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. (MO)

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to challenge the inclusion of inaccurate and faulty accounts on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any incomplete or incorrect information on my credit report. After reviewing my credit report, I have identified multiple accounts that contain inaccurate or false information. The accounts in question are : XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1400.00}. I am requesting that you investigate this issue and correct any inaccuracies that you discover, in accordance with Section 611 of the FCRA, which mandates that credit bureaus investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, Section 609 of the FCRA requires credit bureaus to provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (UT)

VW Credit is reporting an erroneous late on my credit file. This late is for XX/XX/21. I had been in constant contact with them because i was going through a hardship and thought i was going to have to give vehicle back because i could not afford to pay them at that moment in time. Once we were nearing the last of my options they decided to work with me and set up a payment arrangement to help get back on my feet. Now i am in a much better position and am able to make all my payments on time. I truly did not intended to be delinquent, my wife was the only one working and we really could not make ends meet. Now that i am in a better position i would really like to move forward in life and buy a home but unfortunately this late notation is really holding me back. I have had this account open for a very long time and hated that i even had to jeopardize my account standing due to this hardship but there was really nothing else i can do. I am asking, pleading, that you remove this late from my credit file. It will help tremendously and i will be able to obtain financing.
Consumer complaint received 2021-09-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I first noticed fraudulent activity on my account. I discovered that there were many unauthorized debits by XXXX that did not match the orders that I placed online. During the purchase of my new home, I had ordered merchandise from XXXX, but discovered that unauthorized purchases totaling {$850.00} had charged to my debit card. 

I contacted Bank of America on XX/XX/XXXX and filed a claim for the fraudulent activity. I was issued a replacement debit card and was told that no further deductions from XXXX would be approved. 

About a week later, I received notice that my claim had been denied. Bank of America stated that I had provided access to my debit card, but provided no written documentation to substantiate their denial. I also noticed that even after my XX/XX/XXXX claim, additional debits to XXXX had been processed. 

On XX/XX/XXXX, I re-opened my claim and anticipated that Bank of America would contact XXXX to receive proof that none of the unauthorized debits were mine. On XX/XX/XXXX, I again received denial of my re-submitted claim with no written explanation. 

On XX/XX/XXXX, I visited the Bank of America branch office and spoke with XXXX XXXX. She contacted the fraud claim department by telephone. I spoke with the B of A fraud representative named XXXX. He stated that my claim had been denied because I waited four days to file my claim, had a " purchase history '' with XXXX, and that it appeared that i had provided authorization for my debit card to be used ; therefore, my claim was not considered by Bank of America to be fraudulent. 

He informed me that I would need to contact XXXX and submit additional documentation, but that my claim does not meet the requirements for fraud. 

I have been been a B of A depositor for over 25 years, am a B of A " Preferred Customer '', have my XXXX account purchase history, and understand fraud to be defined as, " ... the use of potentially illegal means to obtain money, assets, or other property owned by depositors ''. 

I am requesting intervention and support by CFPB to mediate this situation for me as I continue to work through my frustration and anger over my unfair and illegal treatment by Bank of America.
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.