davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-22
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)

I am filing this complaint to request the immediate removal of an unauthorized account that appeared on my credit report due to identity theft and the XXXX data breach. The account in question is for a loan with XXXX XXXX ( Account Number : XXXX ). 

Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I have the right to request the deletion of any information related to identity theft from my credit file. I have provided all necessary documentation, including an identity theft report and affidavit, to verify that this account does not belong to me. 

Despite the breach of my personal information, I have suffered further harm due to this inaccurate and fraudulent reporting. I request that the account be removed promptly, and my credit report be corrected to reflect accurate information.
Consumer complaint received 2016-03-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WI)

On XXXX XXXX, 2011, shortly after I had opened my home mortgage loan with Wells Fargo Home Mortgage ( WFHM ), I received a letter from WFHM ( enclosed ) indicating that the Department of Housing and Urban Development was unable to issue the required lender 's mortgage insurance on my mortgage loan and that I may be entitled to a modification of my note. I was concerned about the information in this letter and I contacted WFHM to follow up on the letter. They referred me to another office at Wells Fargo Home Mortgage ( WFHM ) that created a modification for my note that raised my interest rate from 3.0 % to 3.85 %. 
I feel that the letter was deceptive and the result of unfair practices using the Department of Housing and Urban Development and the home mortgage crisis at the time. I felt that I was tricked into a new loan with a higher interest rate by the bank 's deceptive practices.
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hi I stayed In XXXX XXXX apartment and after 16 months and I had a lease for six months which got expired in the month of XXXX 2015. I did not renew the lease and My landlarod agreed to extent the lease for 2 month but he did not sent any renewal lease papers .In the month of XXXX dated XX/XX/2015 he sent me notice to vacate the apartment. I vacated the apartment as per dead line and hand over the keys. Now he is asking to pay the rent for three months even did not return even my deposit. I am enclosing the Notice and letter sent by my Attorney.
Consumer complaint received 2016-01-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

My mortgage is in foreclosure and I applied for a modification with America'a Servicing Company in XX/XX/XXXX. XX/XX/XXXX I received a denial of the modification stating that was my calculated income was insufficient to support a modification because the modified payment would be 42 % of my income. I hired an attorney to appeal the decision because I believed the decision was not accurate. My attorney appealed the decision and showed that the income that was used was not correct, that it was actually considerably higher than the income showing on the NPV test results attached to the denial. The appeal was also denied for the same reason. My attorney resubmitted the entire modification package on XX/XX/XXXX showing that my monthly income was in fact {$10000.00}. per month, not the {$7700.00}. per month that the denial stated. On XX/XX/XXXX I received another denial from America 's Servicing Company stating that they were not going to review my application again because the change was not substantial enough to conduct another review. I feel that is both unfair and ridiculous. They will not review my application when they were wrong i n their calculation to begin with which is why I was denied and even after I proved that they were wrong they would not reconsider. Additionally, that is a XXXX % difference in my income. I think any reasonable person would consider a XXXX % increase in their monthly income to be substantial. There is no justifiable reason for the denial, my documents clearly show that I can afford a modified payment.
Consumer complaint received 2016-01-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (OH)

I was denied credit so I pulled a credit report. I found that the company ERC placed an account on my credit report that I have no knowledge of nor was I notified before it went into collections. This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2015-12-24
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have a mortgage restructure though BofA because of the federal DOJ restructure order because BofA got convicted of Mortgage fraud. One of the conditions of that is that the house must be lived in by a select group of people ( me ) and the house is not habitable due to extreme mold/water damage. The bank has made offers of programs and then not followed through and when I try to contact them, they transfer me to every department and I spend hours on the phone each time. The offers where to 1. use the special hazardous claims department to up to the amount of the principle on the mortgage to either pay off the loan or to use that funding to replace/fix the home. 2. to pay for the home to be fixed/replaced and put the amount at the end of the loan at the DOJ restructure payment amount and principle amount ( extend the loan time frame ). they were suppose to have a mediator contact me again on XX/XX/XXXX ... they have once again missed their scheduled time frame and when I try to call them they do n't return my calls ... this type of behavior I call them they transfer me all around to people that have no clue and then make appointments they do n't keep, they schedule call times and do n't keep them so I end up waiting all day for them to call, I call them after they miss their scheduled appointments has been going on for years. At this point instead of dealing with what they agreed to do they have instead turned the account over to foreclosure and have stopped contacting me even when they make the appointments for them to call me. I am trying to work with them. I have filed a DOJ complaint but even that, the Bank makes appointments ( XX/XX/XXXX ) and does not keep them and when I try to call and leave messages for them they do n't call me back.
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

i am a victim of identity theft. I have had these items removed 2 times and the bureaus keep reinserting them the companies are transferring them back and fourth to each other and the bureaus are putting them back. Also i asked for fraud alerts to be removed for a short amount of time in writing and they havent done so.
Consumer complaint received 2016-02-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX is not being reported properly on my Experian credit report. XXXX 2013, XXXX 2013, XXXX 2013 and XXXX 2013 payment reporting and history do not seem correct. I asked for results of the account review and I never received a proper response.
Consumer complaint received 2016-01-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My Kohls.com account login was compromised, and my account was used to purchase a large item costing more than {$500.00}. I noticed the charge on my account due to a notification that my shopping account login email had been changed at XXXX XXXX. I attempted to contact the Kohls fraud department, but they were closed, so I called first thing in the morning at XXXX when their department opened. I spoke with one associate to mark this transaction as fraudulent, and called again to confirm with a different associate that the transaction had been marked correctly. However, several weeks later, the charge is still on my account and it seems I will be responsible for the fraudulent transaction.
Consumer complaint received 2016-02-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NY)

While reviewing my EXPERIAN, EQUIFAX AND TRANSUNION credit report, I noticed an unauthorized and fraudulent inquiries conducted by ALLY FINANCIAL ( Tel : XXXX ) on XXXX/XXXX/2016. I did not authorize employees of ALLY FINANCIAL to review my credit report for nay purpose at any time. Further, I personally contacted this company and requested that they provide me with any signed documents authorizing them to review my report within 5 business days and they have failed to do so in clear violation of my Civil rights under FCRA and PRIVACY RIGHT. As a direct result I have continued to suffer irreparable economic loss due in large part to the gross negligence of ALLY FINANCIAL acts and Omission.
Consumer complaint received 2015-07-15
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONSTAR MORTGAGE LLC (IL)

Every month my wife and I each get XXXX harassing phone calls from Nationstar Mortgage. We are current on the mortgage, but every month calls start at the XXXX and escalate in frequency until we pay at the XXXX. I have told them that I get paid on the XXXX and they should stop calling. They said that was n't possible. 
The calls stop as soon as we pay. The due date is the XXXX of the month but there is n't a late fee until the XXXX.
Consumer complaint received 2024-11-21
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. (IL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2016-01-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TX)

Experian XXXX is reporting collections and wrongful information on my credit report. 
I was employed at XXXX California from XXXX XXXX till XXXX XXXX. 
I retired from XXXX on XXXX XXXX, on XXXX XXXX XXXX. 
I was not Retired or employed by XXXX XXXX XXXX XXXX of XXXX XXXX in XXXX. 
I was only a volunteer XXXX of Directors. 
Also why Experian.XXXX allowing creditors or companies running my credit without my consent. 
I have over XXXX unauthorize credit inquiries on my Experian.XXXX that are Hard pulls and is destroying my credit scores. 
I have credit scores with Experian.XXXX in the XXXX.l can not obtain any credit to help my daughters education for college tuitions because ExperianXXXX Credit Report and negatives collections and inquiries. 
I have disputed various occasions and Experian XXXX plays hardball. 
I am been Retaliated and Discriminated as a XXXX Veteran. 
I also requested for Experian XXXX to immediately remove and delete the Fraud alerts on my credit reports and they have not deleted as of XXXX XXXX.
Consumer complaint received 2015-11-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (DE)

I am requesting that CFPB investigate the lending of credit practices ofCredit Acceptance Corporation. The vehicle loan product presented tome was done in very deceptive manner. I advised their representativethat the due date of the payment of my loan did not coincide with mypay date. I was advised not to worry because I was given a grace periodper the coupon book. I am constantly being harassed byCredit Acceptance if I do not get the payment in by the XXXX of the monthI have attached the coupon book and correspondence that I received onXX/XX/2015 stating the intent to repossess. Their practices are verydeceptive because the coupon book says by XX/XX/XXXX a late fee will beassessed and I was given the same information by the representativewho sold me the product but instead I receive an intent to repossess letter that isdated XXXX/XXXX/2015. The XX/XX/XXXX payment was made XXXX/XXXX/2015. I have filed a complaint before but now I want the corporation and it 's practices to be investigated. Please note : I have never been 30 days late on mypayment. I am a customer in good standing.
Consumer complaint received 2024-11-21
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. (IN)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-21
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. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX Account Name : XXXX  # XXXX Unauthorized Inquiries : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2016-01-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I previously contacted your agency on XXXX XXXX, 2015 regarding my loan with Credit Acceptance Corporation ( CAC ). At that time, you accepted CAC 's response that they had tried and failed to contact me with an explanation of the money that was supposedly due them. You were given false information as I have not received any phone calls or written correspondence from CAC with any information. In fact, I have called CAC numerous times to try to straighten this out only to be transferred from person to person ( who could n't answer my questions ) and be falsely told that someone would be call me back with answers. To date, as I stated above, no one has contacted me. Because of this lack of communication on CAC 's part, my truck was re-possessed this morning. I think the way this matter was handled by CAC has been unfair, unlawful and unethical. I will be attaching a spread sheet showing what was due and what was paid as well as a copy of my initial complaint to you. I need to get to the bottom of this as when they took my truck, my daughter 's purse was in the truck which contained her driver 's license and her social security card as well as those of her minor children. As she is a school bus driver, she can not work without her driver 's license. This situation has gotten out of hand, please help.
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I 've had a mortgage on a small summer home for about 20 months. In XXXX, they decided to change the loan servicer to what looks like an in-house servicer, Rushmore Loan Managment Services. I have sent in payments, and have reaquested that they change the autopay option I have set up with XXXX XXXX XXXX, from XXXX account to another. I have written them, faxed them, called at least XXXX times. They do not change the account the monthly mortgage is taken from, and as a consequence every month I have to keep the new and old accounts filled with cash, not knowing which they will draw from. I asked our loan broker, XXXX XXXX, to look into it and he has had no success either. 
Calling in takes a long time to ge through to a human, I have done this XXXX times, each time they say it will be taken care of. The last XXXX, XXXX, said there was a record of my letter and fax. They have been 100 % non-responsive and are not allowing me to process my payments as my household moneys permit.
Consumer complaint received 2015-11-10
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Gurstel Law Firm, P.C. (MN)

Gurstel-Chargo hand delivered a paper that looks like an official county document with the words " you are being sued '' and more literature describing the debt. 
I was not home and they delivered the document to my Landlord. The document was not in an envelope or any other covering. 
It is a misrepresentation of a summons to district court and has in bold print on the front page " you are being sued '' I have sent them {$600.00} in payments in the last month already.
Consumer complaint received 2015-12-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I have been trying to get a re-modification for 3 yrs now. The mortgage company continue to ask for the same documents over and over again for the re-modification which has prolonged this process now for about 7 more months. During this re-modification process I had a house fire XXXX/XXXX/XXXX and now the mortgage company SPS XXXX Select Portfolio Servicing Inc ) has a hold on the funds provided by the insurance company to pay for the repairs. All moneys had been sent to me, I endorsed the checks and forward them to SPS for repairs now they wo n't let the contractor draw the funds to do the repairs. I have a deadline for my temporary housing paid for by the insurance company of XXXX/XXXX/XXXX. Loan # XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

My account with XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX never late ! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2016-02-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I am the administrator for my daughter 's estate. I have recieved a short sale offer for the property. My realtor and probate attorney are working with the lender to close the short sale deal. The lender has approved the short sale and the buyer has opened an escrow by placing {$71000.00} down. 
There are complications regarding liens on the property which will take additional time to remove. The property is schduled to foreclose on XXXX XXXX, 2016 which will not give us enough time. The decedant 's ex-husband was ordered by the Superior Court of XXXX XXXX XXXX to remove liens from the property. These liens are in his mother and uncle name who reside in XXXX. He previously sent signed, notarized lien removal document to my daughter. I found these documents and gave them to my probate attorney. However, just recently we discovered that the paperwork he submitted is insuffienct to create a clear title. 
Corrected paperwork has been sent to the ex-husband demanding that he comply with the orders pursuant to the divorce decree. Since the deat of my daughter the ex-husband has been hostile and uncooperative. So far, he has not complied and we may need to take him to court to enforce the orders given by the divorce judge which will require an additional amount of time. 


However, there are complications which will require additional