davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
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: TRUIST FINANCIAL CORPORATION (MA)

We had bathrooms remodeled using XXXX XXXX XXXX. XXXX XXXX used Service Financing Company XXXX. We had a zero-interest payment plan for 36 months. We started paying automatic withdrawal and there were no issues. We switched banks but made a number error in the account. However, Service Financing continued to cash check and apply to some other account. Simultaneously, we were getting notices of non-payment. We tried making additional payment in case we made a date problem but that obviously was cashed and applied to the other account as well. Service Financing put is on credit collection which impacted our credit score even though we were having frequent calls trying the resolve the issue. Finally, I found the error in the account number, which was fixed, and we started sending payments as planned. Finance Services applied the misdirected funds on their end to our account. All seemed find until we received the next bill showing we were out of the promotional plan and out payments had interest of 20.99 %. I called to resolve again and was told it was being sent for review and then never received a call. Now a month later I have called again, and the nice person on the phone has said the same thing that it will be submitted to financing department for resolution. My position is this : We were paying. Had Service Financing rejected the payments due to the number issue, then we would have resolved quicker. Instead, they received and applied our money while simultaneously telling us we were in default. We should not be penalized. It is clear where the errors were, and we were sending money as agreed upon that Service Financing deposited into its business. There may be little we can do to fix the credit issue they caused, but we are asking for help to resolve the program issue. We do not have $ XXXX left on the principle and we can not afford paying 21 % interest.
Consumer complaint received 2024-09-27
Product: Credit reporting 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. (TX)

Subject : Complaint Regarding Inaccurate Reporting by Experian Dear CFPB, I am writing to formally report an issue I have encountered with Experian since XXXX regarding the inaccurate reporting of inquiries on my credit report. Recently, I noticed a XXXX reduction in my credit score after my complain last week with their credit bureau , which I believe is due to Experian 's failure to accurately report inquiries in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ). 

Despite my efforts to address this issue directly with Experian, they have not rectified the inaccuracies or provided a satisfactory explanation. This negligence not only affects my creditworthiness but also undermines the protections afforded to consumers under the law. I kindly request your assistance in investigating this matter and ensuring that Experian adheres to the legal requirements for accurate reporting. 

Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-05-03
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)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2021-03-31
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (VA)

I refinanced my VA loan with XXXX XXXX XXXX XXXX in XXXX of XXXX at 2.75 %. It cost me about $ XXXX to do the refinance, but it was worth it as the rate came down significantly. XXXX XXXX then sold or transferred the loan to Freedom Mortgage Company. A loan officer called me on XX/XX/XXXX from XXXX asking me to " call as soon as I can '' regrading my mortgage. I called him right away - assuming that something was wrong or there was some kind of problem. It turns out he was just trying to get me to refi again. I mentioned that this seemed like " churning '' as I literally refinanced less that XXXX year ago and that the rates are about the same right now ( in fact, current VA rates are a little higher than my existing rate ). I told him it was unethical to call me to do a refi in these conditions, and that he should have made clear in his message that it was a sales call. I asked that he not call me any more and that in the future if I wanted to refinance I would initiate it. He called me again the very next day - leaving a message to see " if I had any more thoughts '' about refinancing. So ... I am making this report because I want them to leave me alone - AND it seems obvious that trying to get someone to refinance a mere XXXX  months from a refi is textbook churning - it would not be in my financial interest and would only generate commissions and fees for his company.
Consumer complaint received 2022-11-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (CA)

To summarize my claim I will start out by stating the facts. I was excited to refinance my home from an FHA loan to a Conventional Loan and save on the PMI insurance. We qualified with a small margin but we qualified. One day before closing docs were to be printed, I informed my loan officer, XXXX that my son ran into an emergency with his car and purchased and financed a new vehicle. My son and I are both listed on the home loan. XXXX mentioned that we barely qualified but being we were closing soon we should be ok as long as they dont run your credit prior to signing the docs I thought that meant everything was good. XXXX had every opportunity to tell us not to sign but he didnt. Loan docs were printed and we signed all of them the next evening. XXXX also failed in advising that we were going to be signing a document stating we did not incur more debt Being that there are so many papers and its overwhelming ; this particularly important statement which I signed didnt register with me. I hold the loan officer, XXXX, as the professional, responsible for not acting in my best interest. He has full knowledge of what goes into these legal documents and failed as my agent. I was honest and upfront prior to signing. XXXX also knows what happens after closing. My loan was audited 6 months later. Basically the owner of the Brokerage decided to ignore my file after the initial contact of notifying me that I signed said paper. He never offered me a solution. Since then UWM my lender has informed me that the current loan has to be paid off. 
I just finished refinancing at a higher interest rate. I incurred XXXX in closing costs and my payments went up {$1300.00}. I had to sell my car and take a loss of {$5000.00} in order to qualify for the re-fi. 
Property Address : XXXX XXXXXXXX XXXX  XXXX XXXX CA XXXX I recently found out that the loan officer listed below, does not have license and uses the Brokers number. This means he can not discuss certain things with the client. 
XXXX XXXX XXXX  XXXX XXXX, owner ( XXXX ) XXXX email XXXX XXXX  # XXXX and XXXX # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  # XXXX ( XXXX ) XXXX email XXXX One reason Im making this claim is so no one else goes through what I have gone through to try and save my home. We as the consumer lean on the professional to act with integrity dealing with someone's livelihood.
Consumer complaint received 2021-03-31
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: EQUIFAX, INC. (MO)

On XX/XX/2021, I sent a dispute to the credit bureaus asking them to investigate information that is being reported on my credit report. 

After XXXX  days and no response from any credit bureaus, I sent a second letter informing the bureaus that XXXX  days has passed without any information and by law the accounts must be removed.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OLIPHANT FINANCIAL, LLC (CA)

I started receiving phone calls in XX/XX/XXXX from this company trying to collect on this debt. 
In XX/XX/XXXX I requested a debt validation, original creditor and purchase agreement. 
To date, I have not received any of the information I requested. 

In XX/XX/XXXX I was made aware there was a court case that populated under my name. Upon reviewing this I found this company had filed a lawsuit against me XXXX years prior. 

During my investigation I have found : On XX/XX/XXXX XXXX filed a lawsuit against me. 
XXXX was never made aware of the debt and was not served paperwork for this lawsuit On XX/XX/XXXX the court closed this case and granted a FULL DISMISSAL Oliphant XXXX to contact me and try to collect on this debt.
Consumer complaint received 2021-03-31
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: Experian Information Solutions Inc. (CO)

On XX/XX/2021 I attempted to use the Experian website to unfreeze my credit report. The Experian website generated a 10 digit " PIN '' that I was to give to the company that wanted to look at my credit report. I have not given the company both the 10 digit " PIN '' and the 6 digit number to allows me to track the unfreeze number. Neither number works per the company. Since Experian does not publish a phone number for resolving this number AND Experian requires me to create an account to attempt to resolve this issue I am unable to grant access to my credit report to the company requesting access. 

I have previously created an account with Experian and since the website the password is incorrect I am unable to login. Since I can not call Experian resolve the password issue I am unable to login. Kind of a catch 22 here. 

I do not want to create another account with Experian nor with CFPB. Call or email me directly to resolve these issues.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MD)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2021-10-15
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. (CO)

My mortgage with XXXX XXXX was in forbearance & though they were not reporting late they kept upping the past due amount every month so my loan showed I owed more than the original loan & has tanked my credit. I spoke to them in XX/XX/XXXX about it & XX/XX/XXXX again & they said they would bring it to the attention of the department responsible. Spoke with them again XX/XX/XXXX & they said they were allowed to report the overdue amount in the balance as long as they dont say payments were late. They also showed that my account was in forbearance on all my credit reports. Credit companies said they could do nothing or change any of that reporting. This in turn has completely messed my credit report up & Ive ended up with reduced credit lines & higher interest rates. The reason showing is my loans are too high balances compared to the original amount & theyre over the limit amount. This is the ONLY problem on my accounts! Not to mention other problems Im having w XXXX XXXX holding my sons CD hostage during Covid. Now instead of modifying my mortgage to a lower rate/payment they have put me in a trial 3 month payment for {$200.00}. Less than the original mortgage amount but have told me nothing about what they will be doing with my mortgage & if I will have a lower interest rate & payment after or IF they will be modifying at all! I am XXXX & need help desperately!
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NJ)

Due to covid-19 I was unemployed and called all of my creditors to go into a forbearance if possible. Most of the creditors agreed and I called every creditor ( see attached for proof XXXX every month to update on employment statues and extend forbearance. Citi Loan and XXXX Credit card were 2 of the creditors that I am having an issue with in regards to reporting delinquencies on my credit report. I was never notified, by phone, email or mail about my accounts being delinquent, even though I called both creditors every month during my forbearance. During a pandemic like we are currently in you would think there would be more communication and sympathy ... .I would have paid whatever needed to be paid to bring my account current. I specifically asked what I needed to pay if anything. I spoke to customer service for both creditors about this and they said there is nothing they can do once it's reported to the credit bureaus. This is very frustrating, as I am still unemployed had to bring all my accounts into a hardship agreement, which already disrupted my credit, and now these delinquencies are not making it easier for me.
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

In early XX/XX/XXXX, I rented a vehicle from XXXX in XXXX XXXX. When I arrived to pick up my confirmed reservation, no such vehicle was there, and I was told I could only take a substantially different/ lesser vehicle ( the book value about 35 % of the one I reserved ). The total rental was for around {$680.00}. When the vehicle was dropped off in XXXX some days later, the XXXX facility refused to provide any receipt. Instead, I noticed a charge on my Bank of America credit card for {$1200.00}. I immediately filed a dispute with Bank of America. On XX/XX/XXXX, I received a letter from BofA that they were " working on [ my ] claim '', and there was " nothing [ I ] need to do right now- we'll give you an update as soon as we complete the claim process ''. 

Having heard nothing further in 5 months, on XX/XX/XXXX, at about XXXX XXXXXXXX XXXX, I called BofA customer service to find out the status of my dispute. After being shuttled around by various, completely unhelpful agents, I was finally told, some response had previously been sent to me ( nothing I ever received ), that they could provide no further information concerning what that response had been, and I would have to telephone their " merchant relations '' dept. the following Monday, as said department only operated M-F, XXXX XXXX XXXX  ( a bit odd for a national bank having its roots in California ). Adding more insult to injury, the BofA representative could not even provide a direct contact phone number for their " merchant relations '' dept. 

It is beyond absurd that a national bank, doing business in all four time zones, can not provide the most basic of information to a customer who has previously disputed a charge.
Consumer complaint received 2022-08-01
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX have violated my rights. 15USC 1681 section 602 8 states I have the right to privacy, 15USC 1686 section 604a, section 2i also states a consumer reporting agency can not furnish my account without my permission.
Consumer complaint received 2022-11-19
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: Midwest Fidelity Services, LLC (IL)

" Midwest Fidelity Services '' and " XXXX plumbing '' has committed fraud. They are making a false claim in my credit report. When I requested Midwest Fidelity to provide documented evidence supporting there claim, they declined to provide any proof. 

Midwest Fidelity does not have a single shred of proof that I owe them money. AT the same time they are trying to unfairly discredit my Credit History.
Consumer complaint received 2021-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (OR)

I'm filling a dispute against the company XXXX XXXX loft the furnisher, XXXX, and the collection agency National Credit systems. Over the last 9 months I have sent certified letters threw XXXX asking for proof of debt owed and have not received anything by mail or email. I myself have continued to ask for proof via certified letters and still have not received anything I'm now asking the debt be erased from my credit report it is enabling me to move forward with house rental and other credit loans. Over the last several month XXXX has attempted to refile my debt claim with several collection agency 's even after sending dispute letters XXXX and National Credit systems are the last two that have not dropped the debt claim. According to the Federal Credit law spelled out in the Fair Credit reporting, a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. The last certified letter was received XXXX XXXX this letter was sent by myself and XXXX stating they had only fifteen days to respond with a claim against the dispute not such thing has happened.
Consumer complaint received 2021-04-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

I have initiated a legal complaint with my former lenders ( XXXX Mortgage XXXX and PennyMac Loan Services , LLC ), which are case # XXXX at XXXX XXXX XXXX XXXX XXXX ( inactive - removed to federal court ) and Case # XXXX with the XXXX XXXX XXXX XXXX XXXX Tennessee XXXX XXXX ( active ). I've intended on reporting both lenders for some time, but my health just wasn't in a place that let me do so, plus every time I said I was going to, PennyMac would suddenly seem more amiable. I was giving them the benefit of the doubt on those occasions. 

The essence of my complaint include a minimum of : - 14 violations of T.C.A. XXXX ( a ) - 3 violations of T.C.A. XXXX ( b ) ( 12 ) - 3 violations of T.C.A. XXXX ( b ) ( 13 ) - 4 violations of T.C.A. XXXX ( c ) ( 1 ) - 3 instances of actual or constructive fraud - an additional instance of actual fraud - fraudulent concealment - 3 breaches of contract ( T.C.A. XXXX ) - just found the 3rd one last week - 17 months of conduct that culminated in I.I.E.D. See Doc. No. 1-2 I say a minimum of the above, because these are the only ones that I know I can prove. I'm attaching the amended complaint, which is super long, and the motion to remand, which has a 5-page summation under the section labeled " BACKGROUND. '' It looks like your system will allow me to attach all exhibits associated with the background section of the Motion to Remand. If for some reason you don't receive them all or need the other exhibits, please feel free to reach out to me for them. I can email them to you. 

Thank you.