davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: United Shore Financial Services, LLC (CA)

We have been trying to reach out, in regards to questions buyer and sellers have since the last correspondence on XXXX  and have been unsuccessful. There have been messages and emails sent but no responses from anyone. 

XXXX submitted the application requested, no income documentation was requested and the concern was it was not an encrypted email. We understand the company just went through a major cyber security breach that is why we questioned the non encrypted email. 

We are going on 4 months since the beginning of this process and the frustration has been great due to lack of communication. We have been told repeatedly someone would call back or address any questions within 24 hours of the initiated call..there has yet to be any communication. 

We really need to speak to someone in regards to the process and timelines, so we can obtain the proper extensions since we are in Escrow.

The standard answer in the beginning was this could take 4-6 months. However no one told us there would be zero communication. It seems every time the Buyer or Seller give what is requested, your company goes dark in communication. 

We have been trying to reach out, in regards to questions buyer and sellers have since the last correspondence on XX/XX/XXXX and have been unsuccessful. There have been messages and emails sent but no responses from anyone. The only response given was on XX/XX/XXXX from CR response stating we needed an authorization letter signed in order to communicate with myself or other Agent in this transaction. As stated on email you can only correspond with your Client, however you have yet to respond to her numerous attempts, XXXX submitted the application requested, no income documentation was requested and the concern was it was not an encrypted email. We understand the company just went through a major cyber security breach that is why we questioned the non encrypted email. 

We started this process XX/XX/XXXX and the lack of communication has been beyond anything anyone has ever been confronted with ever. 
We have been tracking all of our attempts in communication as well as you have based on our letter received on XXXX 

By this point we need more than the standard answer of its in review How could it be in review if there has been no request for any type of documentation to support income etc.
Consumer complaint received 2024-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AZ)

I am extremely upset because I received a letter saying that I am XXXX days past due on my student loans. Ever since the transition in XX/XX/year>, my {$340.00} XX/XX/year> and {$340.00} XX/XX/year> payments have not posted to my Mohela account even though Mohela has taken money out of my account on XX/XX/year> and XX/XX/year>. I have now overpaid {$680.00} to keep my account current as of today. I called on XX/XX/XXXX and talked with someone and it still has yet to be resolved. I am beyond livid that I am receiving letters from this company when they have clearly lost my money. My car died last week and I had to purchase a new vehicle suddenly. If the loan gets denied because of their stupid mistake, I will be beyond livid and go to the news media along with my XXXX Representative.
Consumer complaint received 2017-11-02
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: Bread Financial Holdings, Inc. (CA)

OnXX/XX/XXXXI responded to an online balance transfer offer from XXXX XXXX Total Rewards Visa. I transferred the balance of two of my XXXX card accounts, one was for the amount of {$8700.00} and the other was for the amount of {$5600.00}. The balance transfer of {$8700.00} was paid to XXXX but the amount of {$5600.00} was not paid and has not been paid as of this date by XXXX XXXX even though I have been charged and have been making payments on both transfers. After several calls to their customer service a dispute was opened on XX/XX/XXXX. I received a letter dated XX/XX/XXXX stating that they were working to resolve the issue but as of this date I have not heard from XXXX XXXX. I have written two letters to the address they provided but still no response. Due to their delay of payment to XXXX card I have been forced to pay the full balance of my XXXX card account. My last letter to XXXX XXXX stated that I have paid XXXX card and no longer want them to transfer the balance of {$5600.00} and to credit my account in that amount.
Consumer complaint received 2017-11-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Academy Mortgage Corporation (NY) (NY)

Back in XXXX XXXX, I apply for a mortgage with a local Mortgage banker called Academy MORTGAGE BANKER IN XXXX New York. My broker after doing his due diligence and 2-3 weeks of forms, pay stubs,2 years of tax returns and all required documentation for myself, my wife and my son, said that I will get you a mortgage of up to {$300000.00}, so congratulation go ahead and start looking for a house. ( Emailed me a pre-aproval letter ). 

( WE WERE RENTING A HOUSE AT THE TIME THAT WAS GOING TO FORECLOSURE ) and found out that there is an Auction on the house that is going to be on XXXX XXXX in the front of the town hall, so I called the broker and ask him, if we can go to the auction and bid the House, can we get the Fund within a Month if we won? he said absolutely go ahead and bid. so me and my wife went to the Auction and bid against 15 investors and we won the bid at {$170000.00} and Give the Referee 10 percent of the winning bid ( {$17000.00} ) all our saving. Called the Mortgage broker and told him the good news, he said you need a lawyer, I said I did not think we can win the bid and I do n't have a lawyer, he said call this lawyer is good Friend of mine, and said come to my office so we can start the Application since you have the contract, so the next day we went to his office feeling excited and happy that we bought the house that we lived in last 21/2 years and that we do not have to get evicted or move to another house.My wife and, were struggling for the past 23 years together and trying to save for a house and raise XXXX kids in XXXX XXXX New York we have an XXXX years old Daughter and a XXXX  years son and like any parents out there we are struggling along 2 jobs each just to survive. 

The Mortgage broker order an appraisal for the house that they charge me {$470.00}. that came in at {$290000.00} as is Property, and his processor called me and emailed the appraisal and said Congratulation you guys are so lucky.The next day the Lawyer called me and said that he has a bad news for me and said that you will not get approved for a mortgage how about if I can get an Investor to buy the house from you and may be rented to you and than sell it to you for a profit down the line???!!! 

I said that this is not an option, and called the mortgage broker to see if that is true what his referral lawyer just told me, he said that his manager said that its not a problem if he signed at closing.He said do not worry we will protect you.!!!!??? 

HELP ME PLEASE SOMEONE HELP ME THEY ARE TRYING TO STEAL THE HOUSE FROM US. 

So now we are out of luck cause the mortgage broker called me today with another road block and said that we are not able to approve you.so WE LOST {$17000.00} + {$600.00} ( LAWYER RETAINER DEPOSIT ) + {$470.00} Appraisal cost. 



Today is XXXX XXXX we just forfeited our 10 percent deposit.
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: ACIMA CREDIT, LLC (GA)

I went into a furniture store to purchase a dinning room table set and took the 90 days same as cash option to pay for the item however on the day I was to pay it off I forgot to make that last payment and then the big interest started and with every payment they charge me tax which I paid tax when I purchased the item. My complaint how are they able to get away with the amount of interest they charge and why do they add tax to every payment??? The name of the company I am referring to ACIMA.
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Credit Control (CA)

I have several accounts that were included in my Bk and they are still showing delinquent. 
XXXX. XXXX XXXX closed XXXX balance XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX XXXX. XXXX XXXX XXXX closed XXXX XXXX XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX I called XXXX and was told they wont remove these items even though they are closed with a XXXX Balance and leaving them as a derogatory mark in my credit.
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am trying to get resolution with TransUnion regarding accounts on my credit file. I am exhausted disputing XXXX XXXXXXXX XXXX XXXX and XXXX XXXX both collecting on the same debt on my Transunion file. I am aware of my rights according to FCRA and two collection agencies can not report on the same debt at the same time. Strangely enough I have requested debt validation but have received nothing. I have been disputing XXXX XXXX for so long, but never received in verifying from credit bureaus only an updated report verifying the item. I requested proof that I agreed to pay them any monies. I would love to see my contractual obligation to this company in which I have no business dealings ... Period! It 's really frustrating to be misrepresented by the credit bureaus for the debt they refuse to prove I owe. Transunion had had several glitch which remove and reinserted the items, but not once did they notify anytime after reinserted it onto my reports. That is also a violation of the laws put into place to protect me the consumer. I would like immediate removal of the items before I summon the ftc and consumer affairs. All these are clear violations according FCRA and FDCPA and I will enforce my rights including contacting my attorney general and Filing a BBB complaint.
Consumer complaint received 2024-11-06
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. (PA)

To my complete shock, I discovered incorrect accounts on my credit report this evening, and I cant understand how this could have happened. I routinely check my credit report, and Ive never seen anything like this before. I refreshed my browser, hoping it was just a glitch, but the errors didnt go away. Im now requesting that the documents I submitted be carefully examined to avoid any future issues like this.
Consumer complaint received 2024-11-05
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. (VA)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

There are several accounts that are past the statute of limitations, duplications and the student loans through XXXX XXXX XXXX XXXX are ALL being re paid and should NOT reflect in a collection status. Please correct these ASAP
Consumer complaint received 2021-02-02
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2024-10-08
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. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I am writing to bring to your attention a matter concerning the late payments reported on my credit report. After reviewing my credit report, I have identified discrepancies in the reported late payments, and I am seeking your assistance in correcting or removing these inaccuracies promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I understand the importance of maintaining accurate credit information, and I am committed to resolving this matter promptly. I kindly request your assistance in investigating and correcting these inaccuracies at your earliest convenience. Enclosed, please find supporting documentation that validates my claim and provides evidence of the incorrect reporting. I believe that with your expertise, we can rectify these discrepancies efficiently. However, if they are determined to be inaccurately reported, I request that you correct or remove them from my credit report immediately. 
Thank you for your prompt assistance in resolving this matter. I look forward to a positive
Consumer complaint received 2024-10-08
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. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-08
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. (TX)

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. 

XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX- account XXXX  ( not accurately reported ) XXXX XXXX- account XXXX XXXX XXXX  XXXX XXXX ( not accurately reported ) XXXX XXXX XXXX XXXX XXXX XXXX ( not accurately reported ) XXXX XXXX account XXXX  ( not accurately reported ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( not accurately reported ) XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  ( not accurately reported ) XXXX XXXX XXXX ( not accurately reported ) XXXX XXXX XXXX XXXX ( not accurately reported ) 15 U.S.C . 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 602 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 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 knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-10
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. (NJ)

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 Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2024-10-08
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. (CO)

Some took credit card out in my my name with I am in a XXXX  XXXX. I attached a tell for an example of what I need to incure new debt. No one thinks by law I have to have that letter. I do the ftc. Is involved. What's on my report is XXXX XXXX. I will becasking all 4 companies to send the letter to me. 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 2017-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weinberg Mediation Group LLC (OK)

Robocall from company claiming to be the Weinberg group from an Arizona phone number. Threatened to notify authorities if I did not respond. I called the number and was told that it was not my debt but a family members. I stated that I have not had contact with them in years and to stop calling me.
Consumer complaint received 2017-11-02
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC (FL)

I submitted previous case number : XXXX last year. Arrowhead advance said that my account was satisfied in full and they would stop calling and harassing me. I have received several phone calls at my workplace, including one today that I have in the form of a voicemail attachment, showing that they continue to contact me.
Consumer complaint received 2017-11-02
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. (LA)

I have disputed unknown accounts on my credit report, because I want them to validate the debt, but they continue to verify it instead. They must properly validate these debts to prove that they should be on my account, because inaccurate and unauthorized information should n't be reported by Experian. I have attached a copy of the identity theft report from Federal Trade Commission in this complaint. This problem should be fixed in 30 days or remove the accounts. I would like an updated copy of my report. The accounts are : XXXX XXXX XXXX XXXX Account # XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Account # XXXX XXXX/XXXX/XXXX XXXX  Account # XXXX XXXX/XXXX/XXXX
Consumer complaint received 2024-10-08
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. (TN)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.