davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (GA)

Step 1 : What is this complaint about?

The mortgage company is messing up my credit score Step 2 : What type of problem are you having?

Autopay feature did not work due to their website change Step 3 : What happened? 
On XX/XX/XXXX I went online to make my mortgage payment ( early as usual ) and the website was down I was told they changed their website and I had to make a new account so I made a new account and set up autopay, autopay was scheduled for the first of the month but since I had to make a new account the auto pay took time to update and i missed XXXX payment, the website officially was launched on XX/XX/XXXX so there was no way I could have made an account and scheduled auto pay and have time for the update. I was unaware that auto pay was not working because on my end the website clearly states that my autopay is on and was scheduled for the next due date. All I want is for them to acknowledge that them changing the website at the end of the month caused my auto pay not to go through and I had to make a new account and set up auto pay again and it was impossible for it to go through and that the website told me it was set up and registered on XX/XX/XXXX so it is not my fault they didn't take the money out and that they need to refund the late fee and fix my credit score. I can pay them, I have never been late on any payment ever and this is obviously a technical error but the customer service says all they can do is wave a late fee but can't fix my credit score, which suffered drastically!

Step 4 : What company is this complaint about? 
Amerihome mortgage Step 5 : Who are the people involved? 
Loan servicing department and customer service
Consumer complaint received 2021-03-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

I have a mortgage on a home with Shellpoint Mortgage Servicing that was placed in COVID forbearance XX/XX/XXXX. The forbearance term was extended XX/XX/XXXX. Since the extension, I have been charged 4 late fees. Under my forbearance agreement, no late fees are to be assessed. Shellpoint Mortgage Servicing is refusing to refund the late fees and not agreeing to extend my forbearance even though I have brought payments up to just 2 months behind. I wish to have late fees refunded and forbearance extended.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IL)

Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I have late payments on my report that I want to be removed because I am a victim of Covid 19 and legally you should not have put them there. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.
Consumer complaint received 2022-09-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-05-09
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. (FL)

I'm asking the removal of these bogus items from my credit report as a result of claimed identity theft and I want to let the credit bureaus know that I was a victim of identity theft. FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) requires CREDIT BUREAUS to REMOVE any items specified in Identity Theft. THE LIST OF ITEMS THAT I WANTED TO REMOVE IS HERE AGAIN! 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$5600.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-10
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. (AL)

XXXX XXXX, is now in default after Not adopting reasonable procedures designed to ensure that each periodic statement including the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days BEFORE the payment due date and NOT removing ALL late payments in all consumer reports PURSUANT TO TITLE 15 U.S. CODE 1666b purpose, unless the creditor has adopted reasonable procedures designed to ensure that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any each periodic statement including the information required by section 1637 ( b ) of this title ... ; 1. First default : Each periodic statement did not include the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. 

1a. This includes finance charges which is the sum of ALL payments INCLUDING late payments according to Section 1637 ( b ). No statement was given by the deadline, 21 days before the bill was due that included a " potential '' late payment fee prior to the payment was due.

Notice Title 15 U.S. Code 1605 Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit ..., This is a notice of default and an opportunity to cure for XXXX XXXX as the affidavit sent in support of my claim was not rebutted and my demands in cease and desist were not met as failure to provide the information required by TITLE 15 U.S. CODE 1666b. This is an opportunity to settle this dispute by providing my request of remedy due to the wrongdoings against me ( Violation of TITLE 15 U.S. CODE 1666b ).
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to express my continued concern and disappointment with the unsuccessful outcome of my second attempt to correct late open accounts on my credit file. Despite providing comprehensive documentation and following the prescribed dispute procedures, the inaccuracies persist on my credit report, negatively impacting my creditworthiness and financial standing. 

I am deeply concerned that, despite my sincere efforts and adherence to the required procedures, the late open accounts persist on my credit report. This situation has immediate and adverse consequences for my financial standing, making it imperative to rectify this matter urgently. 

I kindly request the following actions : An immediate and thorough reevaluation of the documentation provided in support of the dispute. 
Expedited correction of the inaccuracies related to the late open accounts on my credit file. 
Transparent communication outlining the resolution process and the steps taken to address this matter promptly. 
Attached, please find copies of the supporting documentation for your reference during the investigation. I am asking for your assistance to correct these late open accounts in my credit file : OAG CHILD SU XXXX Balance : {$25000.00} ; OAG CHILD XXXX XXXX Balance : {$72000.00} ; ATTYGENERL XXXX Balance : {$72000.00}.
Consumer complaint received 2023-08-06
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act XXXX Card Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency XXXX make any consumer report containing any of the following items of information, Any other adverse item of information other than the records of conviction of crimes which antedates the report by more than XXXX years o 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (TX)

I sent USD XXXX from my US XXXX  debit card to my XXXX XXXX debit card last XX/XX/2020 using Western Union 's XXXX to XXXX online transfer under XXXX XXXX. 

My money was put on hold on the same day, requiring additional account verification, so I sent additional information documents as listed : ( 1 ) XXXX Passport with XXXX ; ( 2 ) Proof of Billing Address ; ( 3 ) Bank Statement for month of XXXX ; ( 4 ) 1 month payroll ; and ( 5 ) Certificate of Employment from US company. 

The amount of USD XXXX was already charged on the same day to my US checking account even if my account verification took a day to complete. 

The next day ( XX/XX/XXXX ), I called Western Union to follow up on my verification confirmation so that my pending transaction will push thru. They told me that my identity was successfully confirmed but they were having an issue with their system so they decided to refund the whole amount back to my US checking account within 5 to 7 banking days. 

7 banking days later, on XX/XX/XXXX, I called again to follow up on my refund. They told me again to call the next day if my money will not be credited back in 24 hours. 
I called them again the next day ( XX/XX/XXXX ) because the money was still not credited back to my account as promised. They escalated my refund to their Cards and Billing Department under Case Number XXXX and assured me that money will be credited back in 24 hours. 

I called again yesterday ( XX/XX/XXXX ) because my money was still not refunded to my account. They once again told me to wait for another 5 to 7 banking days. 

Western Union keeps on extending my refund without a final refund date. Hope you guys can help me. It's been 2 weeks, they haven't refunded my money yet. 

I want my money refunded back to my checking account.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (CA)

I am writing to express my deep concern and frustration regarding the lack of progress in resolving a dispute on my credit report. Despite my efforts to address inaccuracies, particularly a reported late payment that is inconsistent with my payment history, there has been no apparent resolution. 
Account Information : BARCLAYS BANK DELAWARE XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I want to emphasize the importance of accurate reporting and the impact it has on my overall financial well-being. The inclusion of this inaccurate late payment information is not only affecting my credit score but has also taken a toll on my mental health due to the distress caused by the seemingly unending resolution process. However, there has been no visible progress in your investigation, and the inaccurate information persists on my credit report. 
I am reaching out to seek clarification on the status of my dispute and to understand the steps being taken to address the inaccuracies in my credit report. I am a responsible consumer who values financial integrity, and it is disheartening to see that my efforts to correct these errors have not yielded any positive results.
Consumer complaint received 2021-03-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Herbert P. Sears Co., Inc. (CA)

SOME TIME AGO I RECEIVED SERVICE AT WESTERN DENTAL, APPROXIMATELY 5 YEARS AGO, I BELIEVE.I WAS FULLY INSURED AT THE TIME OF SERVICE BY A GOVERNMENT INSURANCE XXXX.THE DENTAL OFFICE INSISTED ON VERIFICATION OF COVERAGE PRIOR TO TREATMENT.ONCE I WAS INFORMED THAT I WAS COVERED AN APPT. WAS SET UP BY THE DENTAL OFFICE. 
IF THE DENTAL OFFICE ACCEPTS GOVERNMENT INSURANCE THEN THEY ALSO ACCEPT THE ASSIGNMENT OF BENEFITS.THIS BILLING BY HP SEARS IS ENTIRELY EXTORTIONATE IN NATURE.NOT ONLY DO I NOT OWE ANY MONEY BUT THE DEBT IS TIME BARRED FOR EXPOSURE IN COURT.SO THE ONLY THING XXXX XXXX IS TRYING TO FIND OUT IS IS HOW MUCH MONEY WILL I PAY TO KEEP MY XXXX FICO SCORES THAT ARE EARNED BY YEARS OF RESPONSIBLE BORROWING AND PERFECT PAYMENT HISTORY TO SAVE MY CREDIT FROM ATTACK WHETHER OR NOT I OWE THE MONEY.I OWE XXXX DOLLARS TO XXXX XXXX OR HP SEARS.I WOULD LIKE TO SAY NICE TRY TO THE CROOKS AT HP SEARS BUT THEY FOUND A PERSON WHO WILL NOT PERMIT THEM TO WREAK HAVOC ON A STRESSED FINANCIAL SYSTEM.SO NOW WE HAVE A RECORD OF THE CRIMINAL ACTIVITY.
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. XXXX XXXX
Consumer complaint received 2021-03-25
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 was recently reviewing a copy of my credit report and discover it contains some errors pertaining to the following personal information. I'm requesting that you update and delete the address. I have never resided there. they may be possible relatives addresses but they are not mine. I have accounts that are reporting inaccurate and incomplete credit information on my credit report I am also unable to get my equifax credit report. I have a current account with XXXX XXXX I do not hold them onto account however I have 2 negative accounts listed on XXXX XXXX which I do not owe. I will list my current bill with XXXX XXXX in the documents section below. I am also requesting my name and addresses telephone numbers be updated and removed and any other names and addresses and telephone numbers that do not belong to me. 
XXXX XXXX XXXX -UNKNOWN ACCOUNT Inaccurate addresses XXXX XXXX XXXX XXXX , ny XXXX XXXX XXXX XXXX , ny XXXX XXXX XXXX XXXX , ny XXXX XXXX XXXX XXXX , va XXXX XXXX XXXX XXXX XXXX , ny XXXX XXXX XXXX , ny XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-07-16
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. (NY)

I have no choice but to continue my protest against a licensed lender throughout the United States that brokered a deal in my home state of New York, serviced the account until I defaulted, then the loan originator XXXX XXXX  sold it to a third party. A copy of the XXXX XXXX XXXX assignment is attached, along with a copy of the default judgment. The account was settled for {$12000.00} and a cashiers check made payable to the plaintiffs law firm to satisfy that settlement, and XXXX XXXX was taking card of the satisfaction of judgment filing. I need the XXXX XXXX account deleted, as they are still showing a balance over {$13000.00}. The account was taken away from XXXX XXXX the day the the debt was sold to a third party. XXXX XXXX needs to be investigated for fraudulent collection and reporting activities and pay a huge fine for their deplorable treatment to me personally. Recently the CFPB received a XXXX XXXXXXXX settlement from XXXX XXXX XXXX XXXX XXXX for actions exactly what transpired between XXXX XXXX and myself. ( See Attached ) I did file a complaint with the following person in charge of XXXX XXXX compliance with zero response. 

XXXX XXXX XXXX XXXX of Regulatory and Government Affairs Email : XXXX Phone : XXXX Each respective credit reporting agency must take separate action against XXXX XXXX for the serious problems they have caused me for non-compliance to the FCRA and the FDCPA. 

XXXX XXXX
Consumer complaint received 2023-05-04
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-06
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. (AZ)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-03-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (CA)

On XXXX i seen some accounts on my credit report from a company called CMRE account number XXXX and XXXX and noticed that those these 2 accounts did not look familiar to me so i contacted XXXX  and XXXX  and they removed the accounts. I look at my credit again and the same accounts are appearing once again. These 2 accounts are fraudulent and need to be removed from my credit immediately. i do not owe no medical bills i have not been to any doctor in XX/XX/2020. Please see attached Identity theft victims complaint Affidavit and California drivers license to support my claim.