davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

After making a dispute with TransUnion with CFPB ( XXXX ) and clearly showing evidence ( from the findings of a governmental agency ) of a discrepancy of the amount the buyer ( XXXX  ) and the seller ( XXXX ) claimed as the sale price of my loan AND also showing clear evidence of other defects of the alleged transfer AND while no party has furnished an actual bill of sale showing the amount of transfer, TransUnion is still showing my student loans on my report after their investigation. 

I have sent written evidence from a governmental agency that shows a factual discrepancy about the amount of the loan : a discrepancy about the amount of transfer. XXXX has not sent evidence of the actual amount that the loan was transferred for, and I have a right under FCRA to a credit report that is 100 % accurate.
Consumer complaint received 2022-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (CO)

I called AidVantage on XX/XX/XXXX to request a refund of my student loan payments made since XXXX of XXXX until the present. I was told by a rep. then that my balance would be reinstated within XXXX hours and approved in XXXX weeks. It is now almost XXXX weeks later and I have not seen my balance reinstated on aidvantage. I have called once a week since then and have received different information every time I was called. I even called this past Monday, XX/XX/XXXX, and I spoke to the most unprofessional rep. He told me to calm down and to stop calling. He even brought in my age and implied because I was young, I was impatient. I have filed a complaint with AidVantage only to receive an apology email stating they are working on it, and now I have to wait an additional XXXX weeks. This is absolutely ridiculous. There is no confirmation that my request has even been approved, and every time I call, I get a new answer to where my refund is.
Consumer complaint received 2022-08-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Im a victim of IdentityTheft Ive been trying to have a Fraudulent account removed from my Experian credit file and Experian keeps violating my rights as a consumer by not sending me any documents to my home address showing the results or anything they just been updating the account on their website saying that the account has been verified by the creditor which that cant be possible because i was a victim of identitytheft i need them to show me actual proof, documents or any evidence that the account is actually mine if they cant show proof they need to delete the account as they been playing games and messing my credit score Note : they also have the account listed with 2 account numbers which thats inaccurate information and errors and should be DELETED immediately
Consumer complaint received 2022-04-04
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. (OH)

Experian XXXX and XXXX keep reporting information on my reports that are mixed files and they have my name and last 4 of my social security number in his credit file as well as names addresses and other wrongful information and negative accounts that are making it very difficult for us to make good use of our right to a fair credit opportunity
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Around the month of XXXX I filed a complaint about a fraud credit opened in my name that I have never used or activated. 
Capitol One has since then closed the card and ceased collection. Although I am grateful for them operating in good faith, I recently puled my credit report and is effecting my ability to obtain credit at other businesses. 

I would like to respectfully request that Capital One remove this trade line from my credit report immediately as it was never supposed to be reported on my file anyway.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

These accounts were recently or previously reported on my credit report and are not my accounts. 
Bank of AmericaXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX
Consumer complaint received 2021-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. ()

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2022-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I received a yearly analysis on my mortgage dated XX/XX/2022. On XX/XX/2022 I contacted XXXX  mortgage aka XXXX Mortgage I spoke to XXXX as an on shore agent in the U. S. at XXXX PM. I told her I had a shortage as my home owners insurance had gone up ( prevalent in Florida ). That I would pay at the end of XX/XX/2022 the shortage and Beginning of XX/XX/2022. She noted the account ( or said she would ). I made my XXXX payment of {$660.00} and assumed all would be well. 

On XX/XX/XXXX I paid {$1300.00} toward my escrow shortages and an additional {$500.00} as I had stated I would on XX/XX/2022. When I went in to also make my regular payment of {$660.00} that was due on XX/XX/2022 I was alarmed to see the monthly payment was now {$800.00}. and change. 

I called on XX/XX/2022 inquiring about the note that was made on my account but did not receive a direct response to that, only that they person/s would recite what the payment was, escrow etc. Still not getting anywhere I asked for another escrow analysis. I was told that I would need to wait 7 to 10 days.

I know how these companies work, especially these two combined companies. If I wait for them to do anything, my payment will come due and I will be paying even more money out and on top of it I will have a late payment. 

I called again today, supposedly speaking with an escrow XXXX escalation person named XXXX which was my third connection in a line of people today. He states that they can not change the escrow analysis that it is against the Federal Law... .Okay not believing that. He also states that if I wait until XX/XX/2022 he will send me an email letting me know if they will change my payment back to {$660.00}. I told him that if XXXX does not change back my payment to {$660.00} then I will pay my own home owners insurance going forward and they are to send me back {$3400.00} ( XXXX XXXX XXXX XXXX XXXX dollars ). I still have XXXX weeks to get my payment in by XX/XX/2022. The current escrow which is as of this date {$3500.00} ( that leaves {$97.00} in my escrows ) and I will pay my own home owners insurance. They can keep collecting my taxes. 

What I would like is my payment to go back down to what it was as of XX/XX/2022 {$660.00} or lower if I am going to pay my own home owners insurance. 

They have more than enough money in the escrow account which is {$3500.00} this amount does not include my XXXX payment as of yet for escrow. Plus an additional XXXX more months through to XX/XX/2022. If my taxes are less than {$1200.00} a year and they are collecting in excess of this amount, they will have over collected. I can not get anyone to listen to what I am telling them. It is falling on deaf ears. 

Worst of all is my payment will not be made during the time I usually make it. Between the XXXX and the XXXX of the month.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

According to my XXXX, XXXX, and my Experian account, they have the wrong ( maiden and married ) last name for me. Alsoo, they have two wrong addresses that I have never ever lived at, one in my town and one several states away. Also, They've also said I own a cleaning business. Which I do not own any business, especially a cleaning business.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I submitted an Affidavit of Truth to Capital One on the XXXX of XXXX and that Affidavit of Truth was also notarized as well. Capital One closed my account wrongly because Banks can not issue credit. According to 15 U.S. Code 1602 ( a ) ( f ) ( g ) I am the Original Creditor and the Card Issuer and the Original Creditor, the consumer/natural person, gave the corporation permission to extend MY credit to me. By me being the Original Creditor, a corporation can't talk, its lifeless, cant extend to a living natural person, such as myself. The Original Creditor, me, the consumer does the granting. I sent Exhibits to Capital One as well. They know that they were in the wrong because they have sent letters to me so that I can call to re-open my account ; but every time that I call, a rep. says that my account is closed and there is nothing that they can do about it. There is NO such thing as a CLOSED account because credit cant be shut down. Banks can't close anything that they don't own. I will upload the documents and letters from them as well. The solution to the problem is for Capital One to give me MY line of credit of {$11000.00} back and I would like for them to honor what I asked for in my invoice
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

I inquired into forbearance back in XXXX of XXXX when pandemic started. I called the 53 bank and asked the details about the program. I was told that I can hold of on payments while I am on forbearance. The options going to be to pay off the forbearance amount when I go back to work, put the forbearance amount on the back of the mortgage ( meaning to spread the pay off ) and 3rd option was loan modification. I understood that loan modification would be to reduce the apr rate. In XXXX of XXXX I called the bank to find out if I do qualify for loan modification. I was told that they are not sure how it will work and they will call me. I waited till XXXX of XXXX and called again. After calling numerous times I decided that I need to end this cause I was not getting answers to as how loan modification would work. I called to speak to them to end my forbearance. Finally in XXXX of XXXX I made a full payment of {$9200.00} to end forbearance. After weeks of calling the bank I thought I was finally cleared of forbearance and payments were applied to my account.. I kept paying my mortgage payments on banks website always on first of the month. On XX/XX/XXXX of XXXX, I received a threatening letter from the bank that my loan is in default cause of non payment. They have added almost $ XXXX to my balance and stated that if I dont come up with the amount my house can go into foreclosure. I called the bank immediately to speak to someone. They were not sure why I was on deferral program to pay off balance which I was paying since. It has been almost a month that I have been calling the bank and does not seem anywhere close to resolving the issue. They did take that balance off but added a late payment fee of {$890.00} to my account. I have never been late and their explanation is that I was supposedly late back in XXXX. But those payments were not late cause when they acquired my loan from XXXX bank I did not get the notification and kept paying to XXXX bank. I was on the phone earlier today with loss mitigation department to resolve this matter and no one can answer as to why I was put on deferral program which I did not ask for. I was making payments every month, I hope that CFBP can shed some light into this matter and help me out. I am truly scared that Imit will cost a lot of $ $ to get out of this cause incompetency of the bank. There is no one to speak to that can explain. I hope to hear from you soon
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

My account with XXXX XXXX XXXX  is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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.

This company 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 2022-06-27
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. (VA)

Company has reported same medical debt 5 times in credit report. I have contacted the original creditor who verified that only one amount is valid. This bill is attached. The collection agency has reported this debt identical times on all reports. I would like all duplicates and the original to be removed as the multiple false reporting is harming my credit and is a violation of the FCRA.
Consumer complaint received 2022-08-22
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX, Account # XXXX Bank Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX Consumer FinanceXXXX XXXX XXXX Account # XXXX XXXX  Account XXXX XXXX Dept of Soc XXXX Svc. Child Sup 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.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (NY)

On XX/XX/XXXX, Monday, 2022. I got a notification from my experian app that a new account has been added to my credit file and I had not been the one to open that account. 

It was with Milestone for {$500.00}. I called them and they are aware that the account is fraudulent. It looks like they already paid 1 month off. This is the XXXX account to be opened in my name, using my social. The previous account is with XXXX XXXX Bank, for {$1000.00}. Which the company did NOT remove, for reasons I do not understand.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: American First Finance, Inc. (PA)

Attached are images of consumer reviews that relate to this complaint. I've also attached what was handed to me after my transaction with XXXX XXXX, which an envelope and two pages stapled together. I've included my contract, which was emailed to me today from American First. 

On XX/XX/XXXX I called XXXX XXXX XXXX, PA about furniture and financing. They made it very easy, sent me a link to apply for financing. I filled out the app, which only took a few minutes. XXXX XXXX called me advising I was approved. 

Long story short, I got my furniture. I was set up on bi-weekly payments of around {$220.00} ( I can screen shot the payments and send, if needed ). Today, I contacted American Finance to inquire what the deferred interest rate would be, as well as the charge - I talked to a person via chat. They emailed me the contract, which stated interest rate of 169.53 %. I asked the rep more directly what the actual finance charge would be if I don't pay off the balance by XX/XX/XXXX, which is the early pay off period end date. The actual charge is not specially called out, or at least clear, in the contract. The rep told me the accrued charges after XX/XX/XXXX would be {$3000.00}. I used {$3200.00} for financing. Obviously, in shock, I shared my experience on XXXX XXXX XXXX and American First Finance 's sites on XXXX. XXXX XXXX denied wrong doing, attached is also their response.

American First replied to my review- they replied telling me to call and ask for a supervisor. I called and had to leave a voice message, no one has called me back - that was about five hours ago. 

I started to read the reviews on American First. Shockingly, there were other reviews and experiences similar to mine.

So tell me this, how does a company ( ies ) clearly provide its terms, fees, and interest rates in a way that would cause this much harm and confusion?? The information is hidden. 

XXXX XXXX is also responsible. The envelope and the double-stapled pages inside show none of the terms. I was also advised after the transaction that I had 90 days to pay it off. No where was this clear in the application process. 

I don't even know what all to do to help protect other people from these two companies ' practices. I do hope that my reviews and filing this complaint will help these practices to stop and for those harmed to receive some form of compensation. 

Thanks, XXXX
Consumer complaint received 2024-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good evening. I recently filed a complaint with your organization regarding discrepancies with my credit report for Transunion, XXXX and XXXX. You organization just corrected a major error with XXXX. After XXXX corrected the issues. XXXX lowered my scored approximately XXXX points which is not significant. However, it was stagnant during the time period your organization investigated XXXX and eventually it decreased. My credit card payments are on time and no explanation was provided why they decreased my score. 


My TransUnion score also dropped XXXX points for no apparent reason. A few weeks after your organization corrected the inaccuracies with XXXX XXXX XXXX dropping Transunion and XXXX remain stagnate and eventually decreased. An attachment of the credit score dropping is attached
Consumer complaint received 2024-12-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (CA)

I have been trying to negotiate a loan modification, a short pay for the second since XXXX. They tell me they want XXXX for my second that was originally XXXX. For a loan modification they want XXXX down and never said how much a month after that. I do not have the means to pay that. I have offered XXXX which was the original amount of the loan and was literally laughed at on the phone. My husband passed away and I am on a limited income and would like to retain my home. I have tried talking to this company that took over my loans in XXXX of XXXX. They are rude and refuse to help me.
Consumer complaint received 2024-12-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: MEI AUTO FINANCE INC (GA)

Repo was reporting on my consumer report as a charge off since XX/XX/XXXX with a balance of {$8300.00}. on XX/XX/XXXX I disputed the account with the hope of deletion because the account was out of date and not accurate. in 24 hours I had got a response the balance was updated to {$0.00} but the late payments were never updated. It says its been charged off since XX/XX/XXXX then again XX/XX/XXXX in again XX/XX/XXXX but theyre still reporting late payments still today According to the FCRA XXXX The credit bureaus are required to report the most accurate information
Consumer complaint received 2022-06-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (GA)

( XXXX ) XXXX keeps on texting my number saying we have an important messages from Radius Global Solutions LLC a debt collectore. Call us at XXXX. Important rights : XXXX. Text STOP to end texts. 
I received the above text 2 wks ago, replied stop. I deleted that text so I do not have the dates. 
Then the same number texted again on XX/XX/22 at XXXX. I replied STOP. Received another text from same number with same message today XX/XX/22 at XXXX