davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to formally dispute the negative accounts reported on my credit report. Upon review, I found that your company is reporting inaccurate and incomplete information that has caused significant harm to my financial standing.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-09-27
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: Experian Information Solutions Inc. (MN)

Experian sent an email on XX/XX/2024 stating they will not investigate my disputes claiming I did not mail them. I have mailed in several forms of proof of my identification and ask you enforce experian to process these disputes in a timely manner. These letters were sent by XXXX XXXX XXXX. I am writing in response to Experian stall letter /email ( see attachement ) that states these documents/disputes were not sent by XXXX XXXX XXXX XXXX These dispute letters are in fact being sent by XXXX XXXX XXXX. I have submitted my identity documents again. Failure to investigate these disputes will initiate litigation to proceed. I am requesting you proceed to investigate these accounts immediately as required by law. Please accept this letter as my formal written request for the following items on my credit report to be investigated.
Consumer complaint received 2024-09-27
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: Experian Information Solutions Inc. (MN)

Experian sent an email on XX/XX/year> stating they will not investigate my disputes claiming I did not mail them. I have mailed in several forms of proof of my identification and ask you enforce experian to process these disputes in a timely manner. These letters were sent by XXXX XXXX XXXX. I am writing in response to Experian stall letter /email ( see attachement ) that states these documents/disputes were not sent by XXXX XXXX XXXX XXXX These dispute letters are in fact being sent by XXXX XXXX XXXX. I have submitted my identity documents again. Failure to investigate these disputes will initiate litigation to proceed. I am requesting you proceed to investigate these accounts immediately as required by law. Please accept this letter as my formal written request for the following items on my credit report to be investigated.
Consumer complaint received 2024-09-27
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. (MD)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : Experian XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$840.00} Late/Open XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX {$440.00} XXXX XXXX  XXXX Opened : XX/XX/XXXX Balance Owed : {$840.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$440.00} XXXX XXXX  XXXX Opened : XX/XX/XXXX Balance Owed : {$840.00} Late/Open
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bait & Switch by Bank of America. When purchasing a 2nd home for use by my family, a week before closing, B of A refused to honor the originally quoted interest rate because I had requested early occupancy by the owner, for which I agreed to pay one months ' rent. B of A said that because of this, the property had to be financed as " Rental Property '', thus raising the interest rate by XXXX points. I told B of A I would not be renting the property at any time.
Consumer complaint received 2016-02-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth Third 's credit card division is saying I did not pay the settlement agreement that was agreed upon over 5 years ago. That was paid by a check over the phone and all I received was a letter saying that out of x amount of dollars, I owe {$500.00}, which was paid. I never received a statement saying it was paid in full, the person I was communicating with from 5/3 said that is what they issue. Unless I can find a bank statement from 5 years ago with the charge, they are threatening to take me to court and freeze all my accounts.
Consumer complaint received 2016-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CORELOGIC INC (OH)

credco continues to spill out nothing but lies. they continue to insist that their report to quicken indicated no bankruptcy. yet I have in my possession not XXXX, but XXXX rejection letters using now what can be considered to be bold faced lies. at this point it is now criminal in nature. the fbi should investigate.
Consumer complaint received 2015-07-22
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX of XXXX, I obtained a home loan refinance & a Home Equity loan with Countrywide Bank. The loan was subsequently purchased by Bank of America. Due to the inflated home values established by Countrywide, and the loss of my homes ' value along with a verifiable hardship I was granted a principle reduction as part of a Department of Justice mortgage Settlement in XXXX offered by Bank of America. This Department of Justice settlement afforded me an opportunity to bring my homes value in line with the correct fair market value rather than the inflated value originally established by Countrywide. However, remaining at issue is the Home Equity line of credit that was never settled by Bank of America via the Department of Justice for the amount of {$84000.00}. My specific complaint is that the Home Equity Line of Credit was granted to me by Countrywide using the same predatory lending techniques as the primary mortgage. The predatory lending techniques that Countrywide used included using an inflated home value as established by the appraisal company Countrywide owned, using stated income for me only and not both incomes from my husband & I, placing the home loan in only XXXX spouses name when both spouses qualifed and not to mention the bundling and selling of the primary loan and the home equity line of credit to investors. Based on the Department of Justice last settlement in XXXX reached with the XXXX major banks that includes Bank of America, I should be entitled to the provisions of this settlement that specifically addresses the extinguishment of Home equity lines of credit. However, I have been told to contact the mortgage servicer XXXX XXXX XXXX that Bank of Anerica transferred the HELOC loan to for a modification rather than an extinguishment of the loan. This Heloc loan should be extinguished & my credit rating restored. I am unable to obtain affordable credit due to the consistent detrimental negative reporting that XXXX Resolutions does on a regular basis. Bank of America will not assist me in getting this loan transferred back to them to settle fairly. I seek assistance in getting this loan transferred back to Bank of America to receive all of the settlement provisions for extinguishment of the Home Equity line of credit.
Consumer complaint received 2016-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am trying to send a purchase agreement to get reviewed to have a foreclosure sale postponed. I called XXXX to reach the assigned customer assistance manager He was not in. I was transferred 4 times to different people who did not know where I should send documents or the process. I was even told to call the foreclosure attorney who stated they have to get instructions from Bank Of America and that Bank of America should not have told me to call them Then I called back and reached an office in N Carolina and went back and forth with a rep named XXXX for 92 minutes as he could not find anyone to answer the question Then he said all managers were in a meeting .This was at XXXX XXXX and he said I would get a call back. No one called
Consumer complaint received 2015-09-19
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: OPEN MORTGAGE LLC (GA)

After not qualifying for a VA loan due to debt-to-income ( which was odd ). Our lender ( XXXX at Open Mortgage ) asked the Underwriter ( XXXX XXXX ) if we could repackage as a USDA loan and the underwriter said to do so : '' Good Morning XXXXAs per my previous email yes you can go USDA - you will need to get usda docs and resubmit file with everything as USDA and I will re underwrite for you. Thanks. " To move forward with the house, XXXX repackaged us USDA - we received desktop approval. The seller requested an additional {$500.00} in earnest money ( in total {$1000.00} ). In addition to going with an USDA loan, I had to agree to give the seller the earnest money ( {$1000.00} ), even if the loan was not approved. 

After paying for the USDA appraisal ( {$450.00} ), the appraisal came back great. The UW approved our loan. Next, the file was submitted USDA. The USDA reviewer denied us, because my student loans were not fixed payments through the term of the XXXX yr mortgage loan. 

The problem I have is the UW did not know the stipulation effective XXXX 2014 regarding student loans : Student loans. Lenders must include the greater of XXXX percent of the outstandingloan balance or the verified fixed payment as reflected on the credit report. 
Exception : Monthly payment amounts listed on the credit report, which are less thanone percent of the outstanding balance may be used when evidence from the loanservicer is obtained indicating ; 1 ) the applicant is on a fixed repayment plan notsubject to change under the terms of the current agreement and XXXX ) and the monthlypayment amount due. Fixed payments have a monthly amount that is not subject tochange through the fixed repayment time frame. Income Based Repayment ( IBR ) plans, graduated plans, adjustable rates, interest only and deferred plans are examplesof repayment plans that are subject to change and do not qualify for the exception. 
No additional documentation is required if a credit report is obtained and the lendercan confirm the payment represented is a fixed payment as noted in this paragraph. 

The above stipulation applies to VA and USDA loans ; therefore, if we can not qualify VA due to not have fixed student loan payments, then WHY did the XXXX say to repackage me as USDA. We lost {$1400.00} due to her negligence. Even the USDA reviewer - XXXX XXXX ( Georgia XXXX XXXX XXXX at USDA, XXXX XXXX ) stated the UW - XXXX XXXX was grossly negligent on our file. She is required to know the stipulations to inform the lender what was wrong with the file.
Consumer complaint received 2016-02-18
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Leading Edge Recovery Solutions, LLC (MN)

I asked Leading Edge Recovery Services/XXXX XXXX to not call me during work hours at my work phone number as I can not use work hours or work equipment for anything non-work related during work hours. They have persisted with their calls to my place of employment. The person calling is named XXXX XXXX. They say they are calling about XXXX XXXX XXXX but are not XXXX XXXX XXXX themselves.
Consumer complaint received 2016-02-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Financial Business and Consumer Solutions. (TX)

I did not receive any communication of this debt and if it was a true debt, did not receive the opportunity to resolve the matter. I never once receive a letter/bill to reflect what this is for. I only found out as it was reported on my credit report as a 'collection '' on XXXX XXXX. When I called FBCS on XXXX/XXXX/XXXX, I was told it was for services provided on XXXX/XXXX/XXXX. I called XXXX, which was my insurance provider at the time, and they do not show any claims submitted for that date or even for a range that they searched for. I asked FBCS to send me 'proof ' to see what this medical bill was for and they have not sent me anything and keep telling to just pay off the account without justifying the charges.
Consumer complaint received 2016-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (GA)

Hello - I received an Escrow Account Statement for my mortgage dated XXXX/XXXX/XXXX indicating there was a surplus of {$1700.00}. My mortgage is serviced by Seterus Inc., loan # XXXX. In the past, Seterus was very good about issuing a check for a surplus. I waited about 30 days but did not receive a refund. My loan is current, in fact, I make extra payments. Sometime in XXXX I called them inquiring on the status of the refund. they indicated that it takes up to 8 weeks. I waited ... I called back in XXXX, spoke with XXXX XXXX and she indicated that that it would take another 4 to 6 weeks, I asked to have this escalated as this did n't sound right. I called back the next day and spoke with XXXX and explained I was calling to confirm the escalation. she indicated there was no escalation. asked to speak with a supervisor ... during the transfer was disconnected so I called back. was connected with XXXX ... he was very nice but again said there was nothing he could do and needed to wait another 4 to 6 weeks. Asked to speak with a supervisor and was connected with XXXX. He requested a 'task ' to issue a check for the surplus but again it would take 4 to 6 weeks. I reminded them that according to the rules, the surplus should have been disbursed within 30 days back in XXXX. I feel that they are in violation and taking advantage of me ... Asked him to escalate the request. Called back today XXXX/XXXX/XXXX, they show a task to disburse the surplus but again will be in 30 days. I 'm very frustrated and not convinced that I will receive a check ... this company is not responding properly and i have asked to file a complaint their response is 'a task has been submitted and you should receive a check in 30 days '. I feel like I may not see the funds ... They have my money ... They have benefit ... I 'm at a loss of what to do ... Can you please help.
Consumer complaint received 2015-04-23
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Financial Business and Consumer Solutions. (OH)

I was contacted by phone in XXXX or XXXX by FBCS , Inc for XXXX medical debts. I asked for debt verification, and the rep danced around the issue, and suggested that we make payment arrangements on this debt that they stated was from 2009. I honestly do n't remember if this debt is valid or not, but the rep said they would send me debt verification, which ended up being a generic looking document on their letterhead, which also looked generic, with XXXX or XXXX sentences stating that I owed the debt. Before I received that, I do n't recall getting anything at all from them. The debts totaled less than {$150.00}, so in good faith, I made a payment arrangement, but told them that I wanted true debt verification information, which I never received, even after I had made a couple of good faith payments. 

My suspicion about these debts, as well as the agency, kept growing, and I became more and more uncomfortable with them. They would even call a week or XXXX prior to my arranged due dates with them to make sure I was going to make the payments. Every time they would call, I would tell them that I never received the debt verification that I had repeatedly asked for. During the last call I received, I told the rep that I was going to file a complaint against their company with the CFPB, and she told me to do what I had to do. The final straw for me was that they put this debt on my credit report, which seems almost like a bully tactic to get me to finish paying off this possibly fraudulent debt. I do n't know what to do about this, but I am livid. Will you, or can you, please help me?
Consumer complaint received 2016-03-22
Product: Prepaid card — Gift or merchant card
Issue: Fees — 
Company: BMO Bank, N.A. (MN)

On XXXX XXXX XXXX I received a BMO Harris Gift card. There was XXXX dollars on the card. Beginning XXXX XXXX, XXXX, BMO Harris began to reduce the balance by XXXX dollars a month. At this point I had XXXX dollars left on the card. I would like to get my XXXX dollars back.
Consumer complaint received 2016-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (TX)

During housing crisis XXXX purchased my mortgage from XXXX since I had never missed a payment since purchasing it in XXXX. Once I was ONE day late & XXXX notched my credit. In XXXX XXXX I unexpectedly retired & went to XXXX to help my daughter XXXX ( XXXX ). I got into credit card trouble & declared bankruptcy in XXXX XXXX. The attorney told me to stop paying XXXX since house was a rental & see what courts did. ( Bad advice ) XXXX transferred note to their bad debt subsidiary Shellpoint. When court allowed me to keep house, I immediately caught up all payments and fees. Since I live on social security income, I applied for Loan Modification. Denied. They said I had too much equity in the house because they said appraisal was {$110000.00}. I owe $ XXXX. Having done real estate, I researched XXXX and made a list of listings and sold and sent it in. They said they did n't get it. I sent it again ( see 2 attachments ). Denied because they held to their fraudulent appraisal. This was an appraisal by DRIVE BY ( against all standards ). Never made any effort to contact me or tenants and impossible for them to enter rear yard due to dog. This appraiser probably sat a computer and read the average price of home at that time in this neighborhood, which ironically, was {$110000.00}. But never checked square footage or comparable. Mine is a XXXX XXXX bath home of XXXX sq ft. On attachments, you can see the comparable square footages. However, there is a {$120.00} other fee showing on Shellpoint website. The first rep said not to worry about it, unimportant. Later, a second rep said she did n't know what it was for. The other day a third rep told me it was for the DRIVE BY APPRAISAL. I 'm now planning to sell the house ( in large part to be done with XXXX forever! ), but I know they will charge me for that unethical, fraudulent appraisal. They would n't give me name of firm, although I wanted to file a complaint with the XXXX XXXX ( appraisers ). The sum experience is that I believe there is collusion between appraiser and Shellpoint. That they want to foreclose and get rid of this loan because the equity is there. They wo n't lose money. They defeat the purpose of the Loan Mod Program. It 's not to assist people like me. They made it so difficult to apply. Twice I had to send in the application, then twice send the comparable sales. My request of you is to have Shellpoint drop the {$120.00}. fee for the " appraisal. ''