davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NY)

I am a XXXX yr old, 3rd generation homeowner who is having her home stolen by fraudulent and wrongful foreclosure and have the paperwork to prove it if someone could please help XXXX  XXXX before my home is taken for good. These documents clearly show that Loancare, its attorneys XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX, are all involved in some manner in this fraud. Loancare and XXXX XXXX XXXX are caught by the lies that they have created. Attached is the real servicing letter I received on XX/XX/XXXX from XXXX to XXXX. The fabricated document created by Loancare ( dated XX/XX/XXXX ) is a lie that appeared on XX/XX/XXXX and exposes the fraud. This letter appeared on XX/XX/XXXX after Loancare fraudulently obtained standing and summary judgement. It appeared with the change of Loancare to XXXX and was created for the sole purpose of backing Loancare 's Lie that they had the original note XX/XX/XXXX. But their lie backfired and exposed them because a genuine true servicing letter would have been from XXXX to Loancare certified with a stamp from the U.S. Postal Service on that date of XX/XX/XXXX. This shows that Loancare and its attorneys lied about their backdated assignment, their fake copy of a Note ( that was never attached to the complaint and didn't appear until XX/XX/XXXX ) The new evidence I have presented to the trial court of the fabricated letter I received XX/XX/XXXX along with the XX/XX/XXXX recorded transcript of my conversation with XXXX ( the real and missing servicer ) stating that XXXX XXXX was the investor not Loancare should allow the courts to prevent my home from being fraudulently foreclosed upon.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts and inquiries removed. I have provided details of the accounts and inquiries below. 
Accounts to Be Blocked and Deleted XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$56.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$98.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$87.00} Inquiries to Be Blocked and Deleted XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts :, Number : Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to inform you that I have been a victim of a data breach, resulting in unauthorized accounts and inquiries on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that you block and delete the fraudulent accounts and inquiries listed below from my credit 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries associated with my credit report. I am a victim of a data breach, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the following account to be removed : Fraudulent Accounts : 1. XXXX o Case Number : XXXX o Date Filed : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX o XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2017-06-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was told in XXXX XXXX that I had to apply for a new loan as the balloon on my HELOC was coming due in XXXX. That request was denied but no alternatives were offered other than to pay off the $ 99,000+ balance. By the time a loan modification was finally offered to me in XXXX my XXXX payment had been missed as no one at Bank of America would tell me what to do. Once the modification was under way in XXXX I was instructed to make a double payment which I did on XXXX XXXX, XXXX in the amount of {$450.00} to make my account current. That payment was misapplied and split into an interest and a principal payment instead of being applied to the XXXX and XXXX payments. I applied for and was granted a loan modification on the above Home Equity Line of Credit on XXXX XXXX, XXXX. This process lasted nine months during which time I made interest payments as directed by Bank of America on time and in the amount requested. However Bank of America reported all nine of  these payments as " missed '' to XXXX and XXXX which has severely impacted my credit score. I am requesting that these are removed from my credit report as it does not accurately reflect the integrity with which this loan handled. There is a big difference between ignoring a financial obligation and following instructions of a loan modification representative. In the ten years prior to the balloon date of my HELOC all of my payments were made on or before the due date and more than the minimum payment was made. During the modification process ALL of the payments were made on time and in at least the amount requested or more. The purpose of credit reporting is to indicate a borrower 's credit worthiness and commitment to repay their debt and I have made every effort to repay this loan in a timely and consistent manner and fulfilled all requests for documents during the modification process in 48 hours or less in an attempt to expedite that arduous process. This report has seriously impacted my credit score causing my homeowners and car insurance to go up substantially and I see no purpose in Bank of America damaging my credit score when I have fulfilled all that they required from me with this loan.
Consumer complaint received 2018-12-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

The following is in response to reference # XXXX/XXXX. Mr. Cooper responded to the question of tax payments being sent to the taxing authority agencies. After significant research, phone calls and past documents we have structured this response : by the statements provided by Mr. Cooper ; the question of the tax deferral XXXX was stated to have been in place since XX/XX/XXXX. The deferral has been in place much longer than this date, we purchased the home in XX/XX/XXXX and proof of XXXX was provided in person by visiting the XXXX County Appraisal District ( HCAD ). This is beside the point but it must be pointed out that this information is incorrect. In addition, the deferral has been in place but did not become a point of collection activity until the loan was modified. By Mr. Cooper admission, part of the modification of a loan is to pay pass taxes. Did this servicing unit over-look those with a XXXX deferral in place? We do not believe Mr. Cooper has a policies in place to address an exception for homeowners/consumers with XXXX deferrals and exemptions. Further, these taxes were placed in escrow resulting in a minus {$28000.00}. This will ultimately result in higher payments. Although Mr. Cooper 's information on how tax deferrals work was given in their response, this information has been known since obtaining a deferral 12 years ago ; the taxes are only a deferral and must be paid after my death or the sale of our home. Please provided information that is unknown. Why were payments sent out to pay taxes in the year XX/XX/XXXX?  This home was purchased in XX/XX/XXXX??? The statement from Mr. Cooper suggest there is no refund to be requested because the taxes are actually owed, is this what is being used to support your error, why wasn't this an issue before now? This did not become an issue until the loan was modified. Otherwise, taxes dating back to XX/XX/XXXX would have been place in escrow or not, please explain your position and the policy you have in place to address this.
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (MD)

I am requesting from the collection agency ESO CCA. A copy of all my bills from XXXX.I requested this info back in XX/XX/XXXX.They never sent it out.I want to verify the amount owed.I want all my bills.I don't owe this amount.ESO CCA brought the debt from verizon.They don't even really know about the real true amount .They refuse to send me the bills out.I want to removed from my credit report asap.I disputed this back in XX/XX/XXXX.Its is a grace violation of the FDPA and FCRA.I am a XXXX XXXX  who will be filing a law suit against in US District Court Federal Court.I will also file a subpoena .So I can get a copy of all the recorded phone calls.

My Acct # XXXX Alledged amount owed {$2100.00} I spoke with a XXXX, XXXX XXXX  and XXXX XXXX
Consumer complaint received 2017-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (FL)

I am  XXXX   XXXX  military and received permanent change of duty ord ers in 2014. Due to time constraints I had no choice but to select a hardship short sale option as entitled under federal law. Once the sale was final, I continued to receive threatening calls from Green Tree to pay the remaining balance of which I was forgiven. I did not suffer penalty under federal tax laws. I was not informed that the reconciliation would impact my credit and was resolved to the fact that it would n't, as a derogat  ory status did not appear on my credit report for up to a year. I recently discovered that Green Tree submitted my account to collections as there is now a derogatory status from a company called DITECH. I have submitted a dispute to   XXXX   XXXX   XXXX     XXXX   shows the account as settled.
Consumer complaint received 2018-02-12
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. (OH)

My name is XXXX XXXX, and I need your help with one of my accounts that is not reporting on two of the credit reporting agencies. I have attached the payment history showing my mortgage history and that I'm still paying on it. I have asked the bureaus to contact XXXX so that it can report but I don't know where the problem is. I was able to get the payment history directly for which I attached so I don't know why they aren't reporting. I know that XXXX does report to the bureaus. I just really need them to add this to my report at least for the last 2 years payments. Any help your company can provided would be greatly appreciated.
Consumer complaint received 2018-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CO)

I have a loan that was purchased from my original loan company by Amerihome. I signed up for automatic budget drafting ( twice monthly payments ). Amerihome sent me paperwork that my account was set up and ready to go. My first payment with debited from my account on XX/XX/XXXX as per the paperwork. Then WITHOUT ANY NOTICE, my automatic withdrawal was cancelled. The XX/XX/XXXX payment was not made as well as the XX/XX/XXXX payment. I called Amerihome and waited on hold for over 2 hours. The man who answered said someone would contact me within 48 hours. No one ever called. I called back and waited on hold for another hour and the person still could not answer why my account was cancelled. I had to call back again and wait on hold again. Payment was made in full at this time. 

I am still being charged late fees. 

Amerihome said I had to be paid a month in advance to do the budget drafting. No one can or will answer what happens to this extra payment. Is it applied to my principal? Are they just holding my money with no interest? I think this practice is extremely under handed and not above board. It is more so because no one will answer my question. 

Grand total, I have waited on hold with Amerihome for over 9 hours. I have sent 5 inquiries to their online/email and still do not have resolution or a response. 

I have filed a complaint with XXXX  to get my credit score fixed, as they dinged my credit for THEM cancelling a automatic debit that had been started. 

The customer service, training of the team, and response time is unacceptable and pathetic.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2017-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LTD Financial Services, L.P. (AL)

CHAPTER  XXXX  WAS FILED  XXXX / XXXX / XXXX  AND WAS DISCHARGED AFTER COMPLETING PAYMENTS ON  XXXX / XXXX / XXXX . APPROXIMATELY 2 MONTHS AFTER THE DISCHARGE, I STARTED RECEIVING HARASSING PHONE CALLS AND LETTERS FROM  LTD FINANCIAL S ERVICES  XXXX ,  XXXX   XXXX  DEMANDING I OWE AND MUST PAY A DEBT OF {$5200.00} FROM  XXXX  CREDIT CARD. I MAILED LTD AND  XXXX  COPIES OF THE FILED CLAIM FOR  XXXX  AND THE LETTER OF DISCHARGE. I HAVE CONTACTED THE ATTORNEY WHO HANDLE MY CHAPTER  XXXX  CASE AND HIS ASST TOLD ME THIS IS NOT AN ACCURATE ATTEMPT TO COLLECT. SHE STATED I HAVE SETTLED WITH  XXXX  AND THIS IS A THIRD PARTY COLLECTOR FALSELY ATTEMPTING TO COLLECT. THERE IS NO RECORD ON MY CREDIT REPORT TO DATE (  XXXX   XXXX   )  SHOWING ANY HARD COPIES OTHER THAN THE HISTORY OF THE CHAPTER  XXXX , IN FACT IT LISTS  XXXX  AS A  XXXX  BALANCE AND ACCOUNT CLOSED. I AM TIRED OF BEING HARASSED  BY LTD AND THE UNDUE   XXXX   XXXX   XXXX   THEY ARE CAUSING ME IS UNNECESSARY.
Consumer complaint received 2017-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (OH)

XXXX  I sent {$100.00} to my brother via  Western Union. Af ter receiving my copy of the paperwork I forwarded my brother the reference number and continued driving as I am a  XXXX   XXXX   XXXX    XXXX   XXXX  . The next day my brother contacted me seeking more digits of the reference number as  ten  digits are required. I reviewed my document and seen the printer somehow messed up and did n't print enough digits. I contacted western union on  XXXX  regarding this matter and have continuously been told to call back  24-48 hr s. Today after going thru a lengthy process to get a live person and explaining my issue I was placed on hold and the afte r 3 mi nutes I was hung up on. This is probably th e 6th  time I 've been hung up on. When I provide the case ref # I continue to be told to call back in  24-48 hrs. I jus t called  Western Union a s I am typing this and AGAIN was told '' I will escalate this matter and please call back in 24-48 hrs ''. My most current case ref # is  XXXX , the previous ones are  XXXX ,  XXXX ,  XXXX ,  XXXX  all which nobody seemed to have any data on
Consumer complaint received 2017-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: STATE FARM BANK, FSB (IA)

My  XXXX  statement for the period  X/XX/17  to  X/XX/17  included a hotel charge for {$120.00}. This was not an authorized charge because the reservation was for  X/XX/17 . No prepayment was required and I had until  XXXX  day of arrival to cancel without penalty. The hotel did not refund the charged after I contacted them. On  X/X/17 , I submitted a written dispute of the charge to  State Farm B ank to the address listed on the statement for disputes. I paid the balance due on the card except for the disputed amount. The payment was posted  X/X/16 .  State Farm Ban k did not acknowledge the dispute until  X/XX/17 . At that time they posted a temporary credit to my account for the disputed amount. When I received the next statement covering  X/XX/17  to  X/XX/17 , I discovered that I was charged {$7.00} interest on the disputed amount. When they posted the temporary credit, they only adjusted {$0.00} of the interest charged. I should not have been charged any interest on the account because I paid the full amount due except for the disputed amount and filed the dispute more than 10 days prior to the payment due date.  <P/> I contacted  State Farm Bank via  e-mail through their website requesting a full refund of the interest charged on the disputed amount.  State Farm Ba nk did not respond to my request.  <P/> In acknowledging the disputed , State Farm  Bank indicated that it could take up to one year to resolve the dispute. I believe the have only  two  billing cycles, not to exceed 90 days, to investigate and resolved the dispute. I received a letter dated   XXXX   stating the disputed has been resolved in my favor. However,  State Farm B ank has not acted to refund the interest charged on the disputed amount.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

Experian does not allow its members to cancel their memberships online. You have to call their XXXX  number, where you're placed on hold for about two hours before you can finally speak to someone. I've tried waiting on hold multiple times to cancel, but have been disconnected each time. They obviously do this to force people into giving up, and continuing to pay the monthly fee. Below is a link to a consumer reporting page with over 1300 complaints like mine.

XXXX XXXX XXXX
Consumer complaint received 2018-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (TX)

We are being billed for an " inspection '' of our property. We were never informed that an inspection took place nor have we seen any such report nor were we notified that any inspection was necessary. The fee was added on to our loan statement. We have been told he inspection was done XX/XX/XXXX and was due to the hurricane in XXXX XXXX where the property is located.. The amount is {$16.00}. We have asked for copies of the report and what company did this inspection. That information has not yet been provided. There was no flooding or damage to our property and this was totally unnecessary if in fact there ever was any inspection.