davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; SXXXX XXXX  Balance : {$1900.00} ; XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3000.00} ; XXXX & XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} ; XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : 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 XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2016-10-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I lost my Job and fell behind in mortgage payments with XXXX. My mortgage was transferred to Seterus. XX/XX/XXXX, loan is in default, payment of {$2200.00} to bring it up to date, pay by XXXX XXXX, XXXX in addition your regular payment may become due by the expiration date. XX/XX/XXXX paid {$2500.00} certified check with us keeping a copy. XX/XX/XXXX. shortage of {$3300.00} for your convenience we will spread out your payments over the next 12 months. This came with a new mortgage escrow statement adding {$270.00} over 12 months. you may pay the shortage in full by sending. A check for $ XXXX.Spoke to XXXX XXXX who proceeded to tell us to make the necessary payments before XXXX XXXX to avoid escrow another {$900.00}. XX/XX/XXXX sent another {$900.00} ( spoke to XXXX XXXX Seterus to confirm ) ( have copy of certified check ) to fulfill escrow. XX/XX/XXXX cashiers check {$1100.00} ( have copy ) XX/XX/XXXX sent another cashiers check for {$3300.00} ( have copy of certified check ) continued to pay escrow and mortgage payments on time until XX/XX/XXXX! money owing was paid up front with documentation of certified checks to prove it, escrow was for 12 months even though we did n't owe any escrow. but they continued to take escrow from XX/XX/XXXX- XX/XX/XXXX, exceeding the escrow amount even if we did owe it. XX/XX/XXXX they did a review and paid us back {$2500.00}? we have a copy of all certified checks and all documentation.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (VA)

Paying Equifax XXXX/yr for their " Complete Premier Plan '' and the score provided using their " Equifax Credit Risk Model '' is providing me with incorrect Credit Score ''. I want a Class Action Lawsuit brought against all XXXX Credit Bureaus for using so many scoring models the Consumer really does not know their correct score. Also, they should be required to delete any collections, judgements that have been paid. What they are doing is continuing to punish consumers for 7 years AFTER a debt has been paid. There are many more issues that need to be handled by the CFBP probably requiring Congressional Regulation pertaining to unfair rules set by Banks, Lenders and all XXXX Credit Bureaus. 
Please Help!
Consumer complaint received 2015-10-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trojan Professional Services, Inc. (CA)

This debt was related to dental services from my dentist, XXXX XXXX XXXX in XXXX XXXX/CA. Somehow she did not tell me about it and all of sudden I got a call from Trojan Services about it. 

I took a loan with XXXX to pay that debt as soon as I could and did it ; however it is still showing up in my report after a long time. I was only contacted once by Trojan and they told me that if I would settle that quick that would never happen but this is not the case. 

I want to really see what I can do to resolve this matter since this was paid properly.
Consumer complaint received 2015-09-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc. (AZ)

All documentation was sent to show payments for each EOB from my XXXX insurance provider. XXXX XXXX XXXX was trying to bill amount outside of contracted agreement with XXXX. 
XXXX representative informed me that this was illegal, per the contract agreement and my obligations were met. 
This information was provided to the Bureau Medical Economics who received all receipts of these transactions, but keeps sending harassing phone calls and notices.
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

This letter is a formal complaint that you are reporting inaccurate credit information According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( 611 ) ( a ) ( 7 ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. 
I demand the following accounts be verified or removed immediately. 
XXXX Account # XXXX
Consumer complaint received 2015-11-14
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NATIONSTAR MORTGAGE LLC (TX)

On XX/XX/XXXX, I received ( XXXX ) Letters from Consumer Financial Protection Bureau ( cfpb ) regarding Complaint Numbers XXXX, XXXX and XXXX. 
The erroneous servicing of my mortgage loans failed to take account of my Military Status at the start of my contact XX/XX/XXXX. 
I am a XXXX Military XXXX/XXXX who temporarily lost my source of income after becoming XXXX, awaiting XXXX Separation. 
After regaining my income I furnished paid amounts to XXXX ( A Failed Bank ) and XXXX XXXX XXXX ( XXXX Supreme Court Victim of Unlawful Mortgage Practices ) and XXXX to bring my account current. 
I paid {$14000.00} down, with installments of {$3100.00}, {$3100.00}, {$2900.00}, {$2900.00} and {$2900.00}. 
I furnished documentation and findings from U.S. Department of Labor, Office of XXXX Adjudication and Review, OPM XXXX Retirement Specialist, Department of Veteran 's Affairs and XXXX County Appraisal District and IRS regarding my Application/Approval for Residence Homestead Exemption. 
XXXX furnished me with a letter of servicing my mortgage along with a foreclosure Letter. 
My request for Modification was Prepared and Submitted via XXXX XXXX XXXX XXXX. Government Approved Programs Making Homes Affordable. 
I proceeded to Re-instate my mortgage with XXXX by paying ( 6 ) Payments of {$1800.00} for a total of {$10000.00}. 
XXXX disregarded the Rear payments and proceeded to change my entire contract to include Advance Property Taxes of which I am exempted. 
The Letter from XXXX ( Office of the Consumer Ombudsman ) seems to be unaware and fail to provide the documentation. 
Now my mortgage is being passed on to a XXXX mortgage company/debt collector to include the on-going errors. 
I have submitted copies of these documents on several occasions as you can finally see the overall finality and the unjust hardship caused by the type of servicing received. 
My unpaid amount at the time of my request was {$190.00} which has been re-recorded at an amount in excess of my Purchase Price. 
I feel this is a slap in the face for my contribution and service to my country. 
I submitted this information to the Office of my Commander-In-Chief for accountability and resolution. 
T/Y!
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX
Consumer complaint received 2015-04-08
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (VA)

I sold a home financed by BB & T in XXXX 2014. At the time I was almost XXXX months behind on the payments. The home was completely paid off and I received a refund from my escrow account. A few months later I noticed it was showing delinquent on my credit report so I disputed it. It came back as valid. I disputed again, came back valid. I called BB & T and a customer service rep said there was a {$10.00} balance for an inspection. Nobody sent me anything regarding this. I asked how to get it resolved, she transferred me to a voice mail box. I left a message more than a week ago, no response. I want this corrected on my credit report. It is showing delinquent for a year now. Can you please
Consumer complaint received 2015-05-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MI)

I filed a dispute with equafax regarding a tax lien and a medical bill. Both are paid and tax lien is reported released. However, the medical bill should of never been filed as collections because notice was never sent out to me telling me my insurance did not pay all of the bill. It was preventive care with a copy and insurance always pays 100 % for preventive care along with copay. As for the tax lien it was paid and it took over a year to get through the right person to show paid and released. The state of Ga revenue office had to file with the county that issued the lien and back and forth with paper work that took over a year to get them to send documents to eachother. Which resulted in incorrect dates showing when it was paid. I disputes several times and only got back completed results showing the debt was mine. I did n't iniate a dispute because of that. I iniated a dispute over information wrongly reported to credit agencies. I want the investigation process revealed to me and XXXX XXXX and XXXX XXXX to show that they did inform me of such money owed to them before sending to collection.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number XXXX 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 2015-06-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Law Office of Joe Pezzuto, LLC (CA)

I was part of a XXXX with my ex-spouse, until XXXX XXXX, 2008, at which time I was terminated and released of all company liabilities, present and future. My ex-spouse received the XXXX as his separate and sole property in the settlement agreement. He also completed legal paperwork to have me removed from a XXXX XXXX XXXX business line of credit. The ex-spouse warranted to me that he completed and submitted a Release of Guarantor Agreement to XXXX XXXX XXXX, thereby legally removing me as a guarantor of his companies ' future financial liabilities and debts. XXXX XXXX XXXX claims they do not possess that paperwork, and sold the debt fraudulently to XXXX , XXXX, who hired the Law Offices of Joe Pezzuto in Arizona to attempt to collect the debt from me. 

I requested in writing, well within the XXXX day time frame, for XXXX , XXXX and the Law Offices of Joe Pezzuto to validate this debt, and and my request was IGNORED. XXXX , XXXX, reported a collection account to all XXXX credit bureaus : XXXX, XXXX XXXX and XXXX. It is my understanding that if the collection agency does NOT validate the debt, they are violating my rights under the Fair Debt Collection Practices Act. Furthermore, since XXXX , XXXX, has reported information that they know to be inaccurate and incorrect to the above listed XXXX agencies, they have violated the Fair Credit Reporting Act 15 USC 1681s-2 Section 623. If XXXX , XXXX attempts to pursue a judgement without validating the debt, they are again failing to comply with the Fair Debt Collection Practices Act. This is not my debt. I requested validation, which I have NOT received, yet they are continuing to attempt to collect this debt. I now have negative, harmful and inaccurate information on my credit report.
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

I 've done extended research on how creditors and the XXXX credit bureaus report information on my credit report. I 've been monitoring my credit since XX/XX/XXXX, I did this in preparation to purchase my XXXX home. After I became a homeowner in XX/XX/XXXX, I kept monitoring my credit reports/scores with the intention of refinancing my home within the next year and be able to obtain a lower interest rate. This past week, my car broke down, therefore against my will, I found myself in need of a new car, this meant that I would have to allow a creditor to pull my credit and take the " hard-hit '' on my credit report. I looked for a new vehicle online for several days. I saved information of the vehicles I was interested in, I 've contacted the dealers and owners of the vehicles to make sure they were still available and at that point I scheduled time to go out and test drive the cars. After many days of researching pros and cons on my already narrowed-down choices, I finally picked the car I was comfortable buying. The car was at XXXX a dealership in XXXX XXXX, IL. I visited the dealer, XXXX a sales man greeted us ( my husband and I ) and showed us the car, we test drove the car and decided it was time to sit-down and negotiate on the price, we set-down with XXXX ( the sales man ). Once we started discussing financing options, I explained my situation and made XXXX aware that I was monitoring my credit meticulously, I explained my reasons and told him I would allow them ( the dealer ) to pull my credit report XXXX and mentioned that I did not wanted more than XXXX " hard-hit '' on my credit report. It was late at night, past their closing time. They kept coming back with offers on monthly payment that I was not pleased with. At this point, I was under the impression they were negotiating on the price, they did not mention they were allowing several banks to pull my credit report. We did not reach and agreement that night. Next morning, I looked at my phone and had XXXX alerts. It was not just XXXX but XXXX alerts from my credit monitoring account!!! The dealer decided to go against my will and in an effort to provide me with a lower interest rate, they had XXXX different banks pull my credit report, causing XXXX hard hits to my credit report without informing me of their decision. I am furious!!! I do not know if they 're aware of how difficult it is to establish and keep a good credit score. They have ruined years of hard work!!! I have spend the past years stressing about making sure every payment is on time ; making sure I do n't go over 30 % of my approved credit on all open credit accounts and in XXXX night and without my consent this dealer allowed XXXX different banks to performed a hard credit inquiry on my credit report. There must be something I can do to stop this from affecting my credit scores! Please help!
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

NationStar Mortgage ( XXXX, TX ) did not impound my property taxes and property insurance for over a year - their error caused my escrow account to be short {$3900.00}. When they discovered their mistake NationStar forced me to take out another loan which they are again collecting interest on. To payoff the new loan, my wife had to get a new full time job. 
Details : XX/XX/XXXX we refinanced our home. Our mortgage was with XXXX XXXX for $ XXXX/month. The mortgage was sold to NationStar Mortgage and that 's when the problems began. XX/XX/XXXX, NationStar audited our mortgage account and said there was an overage in the escrow where our property tax and home insurance is impounded. NationStar re-adjusted our mortgage payment to $ XXXX/month. I took issue with this adjustment and called NationStar and had them re-check the new figures. They assured me that everything was in order. XX/XX/XXXX NationStar found their mistake and sent me a bill for {$3900.00} and insisted it be paid immediately. I could not pay, so NationStar forced me to take out another loan with them to pay for their mistake. NationStar is earning interest on this XXXX loan at my expense - now I 'm stuck me with the burden of paying off XXXX loans. As a direct result of the NationStar mistake, my wife had to get a new full time job. This never should have happened. NationStar should be held accountable for their mistake. I immediately sent a certified letter strongly stating my discontent to their company president, XXXX XXXX, asking that NationStar be return my mortgage back to the correct amount of $ XXXX/month and they restore the missing {$3900.00} to my escrow account. Neither XXXX XXXX XXXX or anyone else from NationStar responded to my demand letter. Please help me hold NationStar responsible for their own errors.
Consumer complaint received 2015-09-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I have requested that all inquiries on my credit report be investigated as I have not applied for credit int he last 2 years, they refused to investigate and told me its a fact of record. These inquiries are hurting my credit score and I never gave authorization for anyone to request my credit. Furthermore I would like the inquiries deleted if they are not able to investigate this.
Consumer complaint received 2017-02-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (PA)

I have been out of school since XXXX XXXX and I have been paying my student loans since. My original loan amount was {$31000.00}. Even though I make my payments on time every month and I send them additional money specifically asking them to apply it to the principal my balance has only gone down to {$29000.00}. There is no way that this should be the case. When I asked them how this is possible and why they were n't applying my extra payments to the principal ( they are putting it toward interest ) like I asked they stated that the account accumulates interest daily. So no matter what I ask them to do, it 's always going to go to interest. How is the loan ever going to get paid off if that is the case? Furthermore, no one ever explained that to me because I would n't have agreed to that. On XXXX/XXXX/XXXX for instance, I sent them a check for {$500.00} which was for principal only and they applied {$150.00} of it to interest. The customer service reps are n't helpful at all. In over 10yrs I 've barely made a dent in this loan and something is wrong with that.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NC)

Loan through XXXX mortgage was sold to XXXX and then re-aged on my Equifax credit report. The account was included in chapter XXXX bankruptcy on XX/XX/2009 were it was already delinquent several months. The account has never been brought current. I have disputed several times. The date of first delinquency will change but never to the correct date. I have disputed directly through the debit collector with no response. I have attached copies of my bankruptcy with account listed. This issue is causing great distress when trying to rebuild my credit. I have been perfect on all accounts for several years.