davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (OH)

I didn't receive any mail saying foreclosure was going to be filed if I didn't bring up to date by a certain day. I had submitted for refinance but credit score is too low. I then asked for repayment plan several times. However everything s through the portal and if I don't go check daily then I don't know if there's messages. I requested and it's still pending review. Just recently got email through portal saying repayment plan not available. Though I tried calling and I guess was calling the wrong point person. The issue is they don't answer the emails. They don't send to the email on file. I got a message saying they were sending to an email I never had. 

I started loan modification XX/XX/XXXX even though I had to resubmit the application on XX/XX/XXXX. XXXX XXXX claimed to have called about payment plan on XXXX but never got a message. And she doesn't send regular mail. Think she was sending to a wrong email I never had. 

I got Foreclosure papers on XX/XX/XXXX. I never received any mail saying I needed to pay by certain date or foreclosure proceedings would start. 

My point person is not very good at communication. Never send anything by mail or to my email only through the portal. 

I was in the XXXX XXXX XXXXXXXX and then had XXXX XXXX for an XXXX 

Never received an attached plan as she said she attached.
Consumer complaint received 2021-02-23
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: Continental Finance Company, LLC (CT)

XXXX XXXX account ending in XXXX was re-billed in the amount of {$370.00} on XX/XX/XXXX, XXXX. This charge was reported as fraudulent along with another charge, {$350.00} to XXXX, the charges came in a day apart on XX/XX/XXXX, XX/XX/XXXX, I believe as I do not have statement available at this time. Prior to this, I called XXXX, the fraud department numerous times at XXXX, extension XXXX, a rep by the name of XXXX. No one pics up the phone and keep getting a voicemail, even when entering extension. credits were issued to account for the charges, however, it appears XXXX has been re-billed and do not have an explanation. I was able to resolve XXXX charge by chatting with several online chat reps, a refund was issued to card ending in XXXX, which was reported lost/stolen as well as the fraud prior. I was unable to resolve fraud charge with XXXX reps, they advised me to report it as fraud which I have. Unfortunately, it appears the bank expects me to pay it, since it was re-billed. I have not received anything from XXXX in relation to this charge. Further, it is not my responsibility to resolve fraudulent charges with merchants as I have with XXXX, the bank is supposed to work out such charges. Luckily, I was able to get a refund from XXXX, I have not had same luck with XXXX. I request bank to re-investigate charge, issue credit if possible.
Consumer complaint received 2018-10-31
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. (GA)

The three credit bureaus have frozen or blocked my XXXX XXXX XXXX from getting my personal information to process a personal loan. Ive never frozen my information from the 3 Credit Bureaus so I would like it unfrozen. Also I have an issue with XXXX XXXX XXXX which I believe has blocked me in some way for as they say not sending them a letter canceling my Auto insurance in XX/XX/2017. I phoned XXXX and gave them my new policy number back in XX/XX/2017 and they didnt acknowledge my cancellation told me I needed to send in writing, I didnt therefore I believe this is the problem behind everything at the Credit Bureaus. Please help me resolve this issue ASAP! It would be appreciated beyond belief.
Consumer complaint received 2023-04-27
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX
Consumer complaint received 2020-12-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (RI)

I have sent a total of 3 letters to XXXX  and Experian in reference to unverifiable and inaccurate accounts listed on my credit reports. I have asked that they verify that the accounts were mine, provide me with their methods of verification, as well as provide me with a copy of any original documentation with my signature on it. Both XXXX  and Experian  have failed to adhere to my requests and these unverifiable and inaccurate accounts remain on my credit report. I sent these letters to XXXX  and Experian  on XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have attached copies of these letters ( that were notarized ) as well as Return Receipts for both XXXX  and Experian. Despite my 3 written requests, the unverified and inaccurate accounts still remain on my credit report.
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (KY)

I recieved A collection notice from company called I.C. system on XX/XX/XXXX about a XXXX  past due account This is the 4th collection agency that has contacted me since XXXX. XXXX XXXX  complaint # XXXX XX/XX/XXXX and also XXXX XXXX XXXX complaint # XXXX and also # XXXX XXXX XXXX  XXXX/XXXX XXXX refused in the past and still refuses to respond or return calls on this matter I keep having to dispute. Short story was disconnected XX/XX/XXXX still billed me in error even though I had called and turned in equipment will not credit me the balance Recieved new service XX/XX/XXXX paid past due balance the told me I had to pay to get new service came back about a month later saying I owed them more I still have XXXX  at present time same address
Consumer complaint received 2022-06-24
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: EQUIFAX, INC. (FL)

Equifax has been neglecting my requests for the removal of the fraudulent information on my file despite the multiple written appeals that I have been sending to them. The last letter I sent to Equifax was XX/XX/2022, with complete attachments of my personal information to remove the account and information reporting on my file that is completely UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this account in my previous Complaints & I am including them again : XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-06-30
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. (TX)

On XX/XX/2022, I sent a handwritten letter to Transunion for a dispute of 4 collections that were on my account. In that request I asked them to fully verify the disputed items within 30 days and send me an updated copy of my credit report once the investigation is finished. They only sent me and updated copy of my credit report and said that the accounts were verified with no actual proof of it. On XX/XX/2022, I sent in another letter to Transunion a for a dispute of the 4 collections that were on my account. In that request I asked if they can provide the original contracts for the items that I previously disputed for, fully verify the items, and to please deleted the account that they can't provide the original contracts for. Transunion sent me an updated credit report stating that they deleted an account but they didn't provide me with the contracts that " verified ''.
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I paid {$10000.00} to Specialized Loan Servicing on XX/XX/XXXX via electronic funds transfer and they've held those funds in a suspense account and despite numerous calls I have not been able to get those funds returned. The loan paid off on XX/XX/XXXX via wired funds but they have not returned my {$10000.00}. What options do I have?
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (AL)

Synchrony Bank XXXX XXXX  was used to pay for a very large medical expense for my daughter. This with deferred interest for 12 months, then 26.99 %. I spoke to a representative who assured me that if I signed up for autopay and paperless, that a letter would come in the mail, and am email as well to warn of the upcoming deferred interest expiration. Nothing came and it triggered the Deferred Interest, charging me around {$2800.00}. I finally caught this about 2 months later ( Synchrony sends no emails XXXX. When I called them they put all blame on me, and despite what their website says, there is no Covid-related help they are willing to offer. This is flat-out predatory and specifically targeting disenfranchised population in a difficult XXXX XXXX XXXX  situation.
Consumer complaint received 2022-06-24
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX XXXX XXXX opened : XX/XX/2010 Balance : {$1300.00}, and XXXX XXXXXXXX Date opened : XX/XX/2010 Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

contravention to 15 U.S. Code 1681c2 ( a ) - Block of information resulting from identity theft. over 150 days for repeated disputes and investigation until inaccurate accounts were deleted ; XX/XX/2021 accounts were reinserted again inaccurately and evidence was submitted with inaccuracies and incompleteness and it has not been blocked as instructed after 4 days. This has become a tremendous inconvenience without any cooperation from representatives after calling in several occasion to help resolve this matter. reported accounts have been settled as paid in full never late, paid as agreed never late but continues to show XXXX balance as past due over 120 days with no amount past due, which is impossible for XXXX balance to be past due. This reports negatively on report. Please investigate this as it has been 2 years of back and forth to rectify this matter.
Consumer complaint received 2022-06-30
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. (MI)

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 2020-12-03
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: Shellpoint Partners, LLC (TN)

I applied for forbearance on 4 mortgages I have with the same servicing company and was approved for the months of XXXX, XXXX, XXXX XXXX and XXXX. In XXXX I paid my balance in full on all four mortgages and resumed normal payment schedule. Mid XXXX they reported me 90 day late for XXXX, 120 days late for XXXX and 120 days late for XXXX. I disputed with the credit bureaus and company. On XX/XX/XXXX I finally received a call stating they found their system error and had reported back to the credit reporting agencies and the is would be resolved in 2 weeks. In deed by mid XXXX the credit reporting was correct. on XX/XX/XXXX they reported me late again on only one account this time. I showed up on my credit report on XXXX. I called the company contact and sent emails, but have not heard anything back. I have also filed disputes with the credit bureaus again.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX I have some unknown addresses and several misspellings of my name that need to be removed at once. The following names are not mine please delete them : 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, PLEASE DELETE THE UNKNOWN SS XXXX. I have been dealing with this issue for a while and I need is to be resolved asap!
Consumer complaint received 2020-12-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC (TX)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accor dance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2022-06-30
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. (NY)

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 XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-24
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)

I have been in looking over my credit report and I found several accounts that does not belong to me. I have never done any business with the following companies and I demand a re-investigation of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I would like a security freeze on my credit file until I can figure out the issues with the unknown accounts>
Consumer complaint received 2021-10-18
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-24
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: EQUIFAX, INC. (OH)

I have been in looking over my credit report and I found several accounts that does not belong to me. I have never done any business with the following companies and I demand a re-investigation of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I would like a security freeze on my credit file until I can figure out the issues with the unknown accounts>