davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$250.00} XXXX XXXX  XXXX  XXXX {$290.00} XXXX XXXX {$0.00}
Consumer complaint received 2020-05-19
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Caliber Home Loans, Inc. (PA)

Caliber Home Loans, Inc failed to acknowledge that my obligation to this property was satisfied and completed on XX/XX/XXXX through the Bankruptcy which remedied all outstanding obligations. The court document- Motion to Value and Determine Secured Status of Lien on Real Property was agreed by both parties in XX/XX/XXXX without objection to a new value of $ XXXX not the value Caliber reported to the credit bureaus- {$64000.00}. The new value/debt of $ {$38000.00} was successfully paid upon completion of the plan which is demonstrated by the attachments. As a result of Caliber reporting non payments- my credit score dropped approx 42 points and my credit card closed by the merchant.
Consumer complaint received 2020-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

I had my student loans consolidated on XX/XX/XXXX to FedLoans and I also entered to Public Service Loan Forgiveness Program. My recievied notice that my loans were approved as well as my employer certification forms. Only 12 payments are showing as counting towards loan forgiveness although I have made 78 qualifying payments. I was previously told that some of my payments in the past were in " paid ahead status ''. The representative confirmed that this was an error on behalf of FedLoans and that there would be a manual review so I can recieve credit for all my past payments. I have turned in my most recent employer certification form as of XX/XX/XXXX. Despite several inquires my payment count has not changed from the initial payment count prior to the review. Please help. Loan details are listed below. 



XX/XX/XXXX DIRECT SUB CONSOLIDATION LOAN Forbearance {$78000.00} Hide Details Direct Sub Consolidation Loan -  disbursed XXXXLoan Status Loan Status : FORBEARANCE Disbursement Information Disbursement DateXXXX Loan Program : DIRECT SUB CONSOLIDATION LOAN Owner : U.S. DEPT OF ED Guarantor : FEDERAL School : MS Out of School Date : -- Interest Rate Information Interest Rate:0 % Interest Rate Type : FIXED RATE Subsidy : SUBSIDIZED Loan Balance Original Balance : {$74000.00} Unpaid Interest : {$2200.00} Principal Balance : {$78000.00} Payment Information Monthly Payment : {$110.00} Repayment Plan : Revised Pay As You Earn Repayment Term:132 Months Expected Payoff Date:XXXX Due Date Information Next Due Date:XXXX Days Delinquent:XXXX XX/XX/XXXX DIRECT UNSUB CONSOLIDATION LN Forbearance {$270000.00} Hide Details Direct Unsub Consolidation Ln - disbursed XX/XX/XXXXLoan Status Loan Status : FORBEARANCE Disbursement Information Disbursement Date:XXXX Loan Program : DIRECT UNSUB CONSOLIDATION LN Owner : U.S. DEPT OF ED Guarantor : FEDERAL School : MS Out of School Date : -- Interest Rate Information Interest Rate:0 % Interest Rate Type : FIXED RATE Subsidy : NON SUB Loan Balance Original Balance : {$230000.00} Unpaid Interest : {$7500.00} Principal Balance : {$270000.00} Payment Information Monthly Payment : {$380.00} Repayment Plan : Revised Pay As You Earn Repayment Term:132 Months Expected Payoff Date:XX/XX/XXXX Due Date Information Next Due Date:XX/XX/XXXX Days Delinquent:0
Consumer complaint received 2020-05-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MD)

My wife and I had multiple accounts opened up at Wells Fargo Bank fraudulently in early May. I looks like a total of 5 accounts. 

We have tried numerous times to get the accounts closed and to try to understand what happened. We have had to endure incorrect information, multiple telephone calls to different departments and have yet to get clean closure in writing for our satisfaction. 

We are very concerned that a bank can open up a checking account without proper verification and believe that Wells Fargo needs to change their account opening procedures. 

We are very concerned that our compromised information will be further misused and want to get more information about how this happened. We have purchased a monitoring service on our credit and identity and while we have not seen any money disappear we are looking for answers to try to fix this. We are in new territory and thought that Wells Fargo would help us out but they were more of an impediment than help when I believe that their faulty procedures contributed to this problem.
Consumer complaint received 2020-05-20
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP (CA)

When I signed this loan I do not remember signing anything regarding the inclusion of the insurance on the home. I was surprised to find that they were charging me {$330.00} per month for insurance, without my consent. This is an expensive insurance that has been added to my loan balance. I already had insurance on my home and wanted to maintain my policy.
Consumer complaint received 2020-05-19
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXXXXXX {$21000.00} XXXX XXXX XXXXXXXX {$19000.00} XXXX  XXXX {$20000.00} XXXX XXXX {$35000.00} XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXXXXXX {$34000.00} XXXX XXXX XXXXXXXX XXXX {$24000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$13000.00} XXXX {$240.00} XXXXXXXX XXXX {$2000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX {$830.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$700.00}
Consumer complaint received 2024-10-02
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. (CO)

I am writing to dispute the invalid late payments listed on my credit report and request their removal in accordance with U.S. Codes 15-1681, 15-1666b, and 15-6802.

U.S. Code 15-1681 mandates that credit reporting agencies maintain accurate and fair reporting. Any unverifiable or incorrect information must be removed.

U.S. Code 15-1666b ( Fair Credit Billing Act ) requires creditors to investigate billing disputes before reporting to credit agencies. My disputed payments should not have been reported.

U.S. Code 15-6802 protects consumers ' financial privacy, ensuring that personal information is not shared inaccurately. 

The reported late payments are invalid and negatively affecting my credit. The FCRA allows me 30 days to rectify payments, and I request the account be updated to reflect " PAANL Paid As Agreed, Never Late. '' Please take immediate action to remove these inaccuracies and update my account. I can be reached at the contact information provided for further discussion. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XX/XX/XXXX and XX/XX/XXXX I sent a letter disputing hard inquires that I did not recognize nor authorize. 
XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-05-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

ATTEMPTED TO OBTAIN FORBEARANCE/DEFERRAL OF MORTGAGE PAYMENTS UNDER THE CARER ACT. COMPANY FAILED TO REPLY TO 15 EMAILS AND 4 REGISTERED LETTERS TO LOSS MITIGATION DEPARTMENT ... NO REPLY TO PHONE CALLS WITH VOICE MAIL MESSAGES IN CONNECTION WITH MY ISSUE! 
LETTER FROM COMPANY DATED XX/XX/2020 OFFERED FORBEARANCE FOR XXXX, XXXX AND XXXX, BUT I HAD ALREADY PAID MORTGAGE FOR 2 OF THOSE MONTHS .... CALLS TO MORTGAGE COMPANY PRODUCED OFFERS TO CANCEL FORBEARANCE, AT ONCE ... MORTGAGE SERVICE COMPANY DOES NOT REPLY TO EMAILS, LETTERS OR PHONE CALLS WITH THE PURPOSE OF TRIGGERING THE CANCELLATION OF THE OFFER OF FORBEARANCE. MORTGAGE COMPANY IS SHELLPOINT MORTGAGE SERVICING BASED AT XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX ... PLEASE INVESTIGATE THE CARES ACT OPERATIONS OF THIS COMPANY ...
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im confident I pay on time every month, but I dont know why this company says Im late. According to USC 1666b, errors need to be corrected, and the account should be marked " paid on time. ''
Consumer complaint received 2020-05-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (ID)

I applied for a conventional home mortgage with Wells Fargo in XX/XX/2020. 
On XX/XX/2020 they took {$570.00} payment for a future appraisal on my Wells Fargo Visa credit card. This appraisal never took place, and my loan application did not have an active purchase contract. 

After waiting four weeks for Wells Fargo Home Mortgage to decide what down payment they wanted - first it was 3 %, then 5 %, then it jumped to 20 %. Meanwhile, the home I wanted to purchase was still on the market and could have been sold.I finally decided to go with XXXX XXXX - which always only wanted 5 % and never gave me misleading information. 

On XX/XX/2020 I asked Wells Fargo Home Mortgage to close the loan application and that my credit card be refunded the {$570.00}. 

Wells Fargo to this day, XX/XX/2020 - almost 30 days later - has not closed this loan application and has not refunded my money. Despite multiple written requests and two Wells Fargo " executive level '' complaint escalations in their system. I was told they are too busy to refund my money - remember, this appraisal NEVER happened. 

This amount is taking credit available from my credit card and I am paying interest on it. This is a fraudulent charge/transaction. 

Furthermore, on XX/XX/2020 I received a new loan estimate and rate lock!
Consumer complaint received 2020-05-18
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. (TX)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$5600.00} XXXX  XXXX {$300.00} XXXX XXXX  XXXX {$3000.00} XXXX XXXX XXXX {$4100.00}
Consumer complaint received 2020-05-13
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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX I made a charge {$10000.00} on my Barclays credit card. I made the purchases with XXXX with the understanding that if i did everything instructed of me, I was guaranteed to make at least my initial investment back totally {$76000.00}. Please see " Investment Commitment '' in attachments. Furthermore, the Investment Commitment certificate states if I have not made my money back, they will continue to work with me until I have achieved this. On XX/XX/XXXX, the FEDERAL TRADE COMMISION and UTAH DIVISION OF CONSUMER PROTECTION filed an injunction and a restraining order to cease and desist all business practices. 
Upon finding out of the business closure, I have reached out directly to the merchant resulting no answers nor resolutions. With no success reaching the merchant, I contacted Barclays ' customer service no less than 5 plus times. Each call had a holding time of at least 1 hours before speaking with anyone. The initial call was XX/XX/XXXX where I requested a dispute case to be opened. They asked for it to be a written reuqest and additional information supporting my situation. All information was submitted via mail and fax. I recieved a letter via postal mail dated XX/XX/XXXX that a dispute specialist will take over my case. Another letter dated XX/XX/XXXX just 3 days later was a denial to the resolution. How is a proper investigation completed in less than 3 days? Extremely disappointed, I asked for the case to be escalated. 
I followed up with another call on XX/XX/XXXX to check on my status and spoke with XXXX. She was not able to give me any updates on my status and could not offer any assistance. She placed me on a call back list for a supervisor in 5- 10 days but no supervisor/ manager have returned my call.
Consumer complaint received 2020-05-13
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. (CA)

I am filling this report because there are three accounts on my credit that are not mine. The accounts are from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. The only reason I found out about these accounts is that I applied for a personal loan today XX/XX/2020 and I was denied so I looked through my credit report to see why I was not approved. These accounts were opened in my name without my permission ; I have never allowed anyone to use my personal information to open these or any other accounts. I did not benefit anything from these accounts like money, goods, services, or anything else and I never made any payments towards these accounts. I have filed this report to the best of my knowledge.
Consumer complaint received 2020-05-13
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Student Loan Finance Corporation (NE)

I filed for bankruptcy XX/XX/2016 and it was discharged XX/XX/2016. This company was notified in writing, email, faxes, and mail that this was the case and that they are not a non-profit institution nor a government agency which means that the loan is dischargeable in bankruptcy. They were instructed to contact my attorney in all communications. In XXXX of this year, I filed a complaint with the CFPB and they stated that they would contact my attorney. They have failed to contact my attorney at any point in time. They continue to claim that the loans are due and have posted negative items on my credit report since my bankruptcy.
Consumer complaint received 2020-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH BEHAVIOR AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION AND WOULD BE ABLE TO OBTAIN THESE ACCOUNTS. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT IN A TIMELY MANNER. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME.
Consumer complaint received 2020-05-13
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX {$2500.00} XXXX XXXX {$380.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX {$22000.00} XXXX XXXX {$1000.00} XXXX   XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX   XXXX {$87.00} XXXX XXXX XXXX $ XXXX XXXX   XXXX {$420.00} XXXX XXXX XXXX  XXXX {$91.00} XXXX XXXX {$730.00} XXXX XXXX {$710.00}
Consumer complaint received 2020-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (TX)

In XX/XX/2020, a company called EOS CCA started reporting 4 medical  collections on my credit report. I have yet to receive any type of corresponce from the company regarding this debt. I should have at least received a debt validation notice in the mail, but I haven't even received a phone call.
Consumer complaint received 2020-05-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (MI)

I recently received a copy of my credit report from each of the three major bureaus, and it lists each of my eight student loans from  FedLoan Servicing as having a 90-day late payment in XX/XX/2019. In XX/XX/2019, I contacted FedLoan Servicing and requested a forbearance, which was subsequently approved and backdated to show effective as of XX/XX/2019. Upon noticing the late payments reported on my credit reports, I called FedLoan Servicing in order to remedy the situation. I was told by " XXXX '' that even though the forbearance had been approved and backdated, they would not reflect that on my credit report since it had already reported as late. I asked him if FedLoan Servicing no longer considers my payment late for that period of time, why they won't make that consistent, and update that on my credit report. He apologized and told me that it wasn't their practice to do so. I feel this is unfair. The company themselves forgave the payment for the month of XX/XX/2019, but I have EIGHT 90-day late payments on my credit report that they refuse to update. Aren't credit reports supposed to be accurate? To me this shows a clear discrepancy between what was reported and the actual status of my account.
Consumer complaint received 2020-05-18
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. (NC)

I have sent in an Identity Theft report to the Credit Bureau, regarding Fraudulent accounts that are reporting on my Credit file due to identity theft. This has been going on for too long! The credit bureau refuses to remove these accounts. I have requested on several attempts for them to please sent me their METHOD of how this investigation is coming back as verified? I have not received any documentation, signatures nor ID on file. I have sent in several disputes by mail and online with the attached Identity theft reports and they refuse to further investigation and remove the accounts. I did not open these accounts and they refuse to remove these. from my understanding by law once I have turned in this Police/ Identity theft report, they are automatically supposed to remove those Fraudulent accounts. I am demanding that you CFPB, have the credit bureau remove & Block these accounts from my credit file. I will seek Legal action under the FCRA act will be taken in place and I will have my legal counsel to begin the process of suing.
Consumer complaint received 2020-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (CA)

In XXXX we had our mortgage modified due to job loss and medical reason. The was set to increase interest as the loan matured. Back in XXXX I reached out the XXXX lending as the payment amount was going to increase from {$3300.00} to {$3600.00}. I tried working with the company to refer or modify the loan. XXXX sold the loan to FCI. During this time I was working with a company by the name XXXX to assist with a modification. XXXX advised to stop making payments as they would work with FCI. After about two years of trying to get this worked out I fired XXXX and started to talk with FCI directly regarding a modification. FCI forgave the back interest on the loan. We were caught up with payments until about XX/XX/XXXX. We are currently behind one payment. I have sent FCI information showing my father who is on the loan is on XXXX. He has been on and off XXXX for the last 5 years. The current XXXX is around a year time. During this time I faced job lose 3 time from XXXX to XXXX. I am currently furloughed with my current job as well. FCI has been made aware of this as I continue to seek assistant.

FCI has declined any assistant. In XXXX of XXXX I requested FCI to escrow home owners insurance. FCI declined and as a result has charged me {$310.00} per month for they insurance on the home. 

Our current payment is {$3900.00}. I have made it clear to FCI that  I need my payment lower and they seem to have the idea that they will do cash for key or take the house. 

With Covid 19 and my being furloughed as my father on XXXX, we are struggling to make our payment. we owe about {$580000.00}. The home is worth around {$870000.00}. I have asked FCi to work with us on the past due amount so that we can refi and they refuse. 

I have sent several emails to try and work with them, but they will not budge.