davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-18
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: Experian Information Solutions Inc. (VA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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
Consumer complaint received 2024-07-18
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. (VA)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I bought a manufactured home from XXXX XXXX XXXX.Veteran Housing Program : This Account was established in XXXX XXXX it was supposed to be a Veteran Housing Program, but I think it was just a scam to cash in on homeless veterans. Per our agreement, we were able to voluntarily surrender this manufactured home without negative consequences if for any reason I could n't make the payments. Now it 's showing 2 months passed due, but there was never an attempt to collect this debt. I spoke with XXXX in the Financing Dept. at XXXX XXXX XXXX ( XXXX ) XXXX and she stated that " this account should n't show a pass due balance and nothing is owed on this account '' and because of this I am being denied housing. I requested a letter regarding this fact and she declined stating that " we do n't give out letters like that '' If you look at my credit report you will notice that this account was not reported until I exercised my option to voluntarily surrender, this account should have been reported when we opened the account but was never reported until XX/XX/XXXX, I paid on time until the day I surrendered and I never received any credit for the payment history. Also if you notice my credit report does n't reflect the purchase of real estate ever! Please re-investigate and correct or remove this erroneous error and update my credit file.I surrendered the home because I cound n't get refinancing after 2 years, because of the land it was on. That is the only reason, I loved that house and put in about {$25000.00} into the landscaping and up keep. I also have the the original receipts for payments that reconciled the account, which brought me to current when I left the property. 
XXXX in the finance department and I discussed this at that time and agreed on a exit property date. I made that date and made the payments. I know that there are consequences when one does not fullfil a contractual agreement. It was like a double edged sword, it was also used as a 1 ) benefit and 2 ) sale leverage for purchasing power, that one of your top sales people offered. I understand that I was ignorant going into this deal but that 's no excuse. I really thought this was a XXXX American Veteran Housing Program, so I believed everything that was told to me. If you will please get someone to update my credit report to show current.
Consumer complaint received 2016-03-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (CO)

I had a loan that was being serviced by Statebridge, Inc. 
The initial loan amount was {$100000.00}. The monthly interest on the loan was approximately {$250.00}. Each month I sent a check for {$400.00}. 

Per the terms of the loan, the extra funds should have been applied to the principal, however it appears that the extra funds were NOT applied to the principal. 

I recently paid off the remaining balance of the loan. The payoff amount should have been approximately in the mid $ XXXX range. However, the mortgage company stated that the payoff amount was {$91000.00}. It appears that since the servicing company did not correctly apply my funds to the principal, I was overcharged several thousand dollars to payoff the loan. 

Additionally, on two occasions Statebridge erroneously reported that my account was delinquent to all three credit bureaus : XXXX, XXXX and XXXX. This severely damaged my previously high credit rating by dropping it approximately XXXX points. This, in turn, impacted my ability to refinance other mortgages and other credit-dependent activities. Again, this happened TWICE. 

I have been trying to get Statebridge to cooperate on this investigation but they have been extremely slow and in providing assistance and follow-up. 

This loan was originally financed by XXXX in XX/XX/XXXX It was then transferred to Statebridge in XX/XX/XXXX. 
It was then transferred to XXXX XXXX in XX/XX/XXXX with whom I made the final payoff. 

XXXX XXXX was closed in XX/XX/XXXX. I therefore have not been able to obtain detailed transaction calculations from them. 
Statebridge is still around and definitely incorrectly calculated my payments. 
XXXX only serviced the loan for 2-3 months before I paid it off.
Consumer complaint received 2016-01-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Dyck-O'Neal, Inc. (GA)

My husband and I are paying Dyck O'neal, a collection agency, a deficiency of {$12000.00} that occurred after the closing of a Short Sale of our first-time buyer property condominium in XXXX, FL. At time of closing the Financial Advisor did not have the name, address, and telephone # of the prospective collector. By the time we finally start paying an agreed amount of {$70.00} per month at no interest charge, Dyck O'neal had already figured how to present the month/months prior to our first agreed payment as pass due. We have been paying our dues from the moment we knew who to pay it to, their address and telephone No. for it was a Promisory note, therefore, it was to our best interest to pay this account. We want Dyck O'neal to STOP ruining our credit reports by saying we have been delinquent, this is not fare to us, and it is incorrect information ; they also promised to straighten this issue with XXXX, but they did not comply.
Consumer complaint received 2015-12-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

In XXXX, my family began using XXXX sell phone service until XXXX XXXX. That was no contract service with easy pay in place. 
After we changed the mobile phone provider with XXXX wireless, XXXX did not stop to charge my wife 's credit card for XXXX /months. I e-mailed XXXX and they stopped the charge. 
On XXXX/XXXX/XXXX, I received a letter from " Enhanced Recovery Company LLC. '' three months after they reported it to the credit bureau. The debt is not mine and this damaged my credit score tremendously. This cost me to have higher payments and interest fees. This needs to be fixed in a quick manner.
Consumer complaint received 2016-03-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Genesis Lending (CA)

Hi CFPB, I am a former student of the closed and delinquent XXXX school " XXXX XXXX ''. I am coming today asking for a refund for a loan that I paid through " Genesis lending '' under the fraudulent college in the full amount I have previously paid. I paid the whole loan XX/XX/XXXX while in midst of the whole controversy about deceptive practices of XXXX, and even in that time still made good on my owed amount. I recently had my federal loan forgiven and will be receiving a refund from that, however I also wanted to contact you if it was possible to also have my paid money returned from the Genesis lending service. I have all documents in tact and my account number was # XXXX which then was turned to XXXX ( XXXX XXXX XXXX ) account number # XXXX. 


It is not the largest of amounts, but I 'd like to see if I can receive a refund for payments that I always kept in good standing. I 'd like to take back my money from that corrupt college practice and start a new again, and I feel it should be an entitlement not only for me, but for all the students. That is our rightful money that came out our pockets that we thought was going to a good use, but ended up paying for a sham college that does n't even exist anymore and I want my money back! 

If there is no refund for prior payments made, where is my money??? It was gobbled up by Genesis lending for god knows what and I deserve it back OR it is just sitting somewhere in limbo ... that 's wasted!! 


Need your assistance helping us getting our money back!!!
Consumer complaint received 2015-12-15
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (NM)

We contacted our lender XXXX Mortgage in XX/XX/XXXX and told them I had been injured with a XXXX and was removed from the State of XXXX. Husband had lost his job and insurance due to having to leave a job in XXXX to come save my life in XXXX. XXXX XXXX XXXX diagnosed XXXX XXXX XXXX, due to my XXXX there was nothing else that they could do for me. On XX/XX/XXXX my husband brought me to XXXX XXXX where I could receive emergency treatment for Brain injury, neck injury and starvation. We were approved by the VA for a special circumstance approval for short sale. However they refused to provide the needed documentation in order to complete the sale. Instead they sold our loan to Freedom Mortgage Company and set the Auction for XX/XX/XXXX. We had another short sale buyer but could not get the needed and required documents from them either after repeated calls from us and our real estate agent. Our buyers were there for the auction however no one should up. I called them and was told it had been postponed for the short sale they would not cooperate in providing the documents. Auction rescheduled for XX/XX/XXXX. 
Legal notifications do not required the correct spelling of our names in the State of XXXX just the correct number. However to get the VA insured loan our documentation had to be complete and correct.
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Lending Solutions Mortgage/ LSI Mortgage (TX)

I was victim of a " bait and switch '' scheme by LSI mortgage. They provided a GFE offering a 3.75 % rate for thirty years, two days before the closing date the rate was hiked to 4.875 %. 
Upon declining those terms I was harassed by one of their loan originators, XXXX XXXX, who at one point addressed me as uneducated, and even used xenophobe terms ( XXXX ). 
I have all the communications to back this claims.
Consumer complaint received 2015-09-02
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY (FL)

On XXXX XXXX, 2014 my husband, XXXX left a dentist extremely dissatisfied. He immediately contacted American Express to stop payment of {$7500.00} and to initiate a dispute. On XXXX XXXX, 2014 my husband unexpectedly passed away. In uttergrief I contacted American Express on XXXX XXXX to get our miles to fly our family to the services and told them of his passing. On XXXX XXXX the {$7500.00} appeared on my acct. At no time and in no way at all did American Express tell me that there was an active dispute on my husband 's acct. If they had I would have immediately turned the matter over to my husband 's estate attorney. I have provided documentation of the charge, a letter dated XXXX XXXX, 2014 from my husband to Am Ex, a letter of AmEx 's terms and a letter from the XXXX involved showing the date of XXXX/XXXX/2014 the day he was faxing a response to American Express. I have been trying to deal on my own with this. Every time a rep says a supervisor will look into it and call back. They never do. I can not tell you how distressing this has been. We have been AmEx customers for XXXX years. I was told if I wanted a copy of the recorded conversation from XXXX XXXX, 2014 that it must be by subpoena only. I never agreed to accept this responsibility. American Express failed to disclose the active dispute which should have gone to the estate attorney.
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX On XXXX the original creditor was discharged through Bankruptcy Court Chapter XXXX in 2012. I now receive harassing collection calls from XXXX XXXX XXXX for ( Acct # XXXX ) demanding payment, which was already discharged through the US Bankruptcy Court and is showing on my credit report as a charge off/ collection. This is inaccurate, false, and fraud and it needs to stop and be removed from my credit report. 
According to the attached Discharged BK file- collections for BK discharged debts is Prohibited.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: ENCORE CAPITAL GROUP INC. (MI)

I checked my credit score today and noticed that it went down XXXX points, with that being said I noticed that Midland LLC was removed and replaced back on my credit file with a new report date of XX/XX/2017, this is not new credit..this account has been on my report for a while incorrectly. This incorrect posting has re-increased by debt by an additional {$2200.00} and decreased by score by XXXX points. I was never notified by XXXX, XXXX or XXXX that that they would be doing a re-insertion of this account on my credit. I request that it be remove ASAP because this is a violation and and requirement by FCRA
Consumer complaint received 2016-01-09
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE (FL)

I bought a used refrigerator from a used appliance store, XXXX in XXXX, Florida. It came with a 30 day warranty. They did not offer delivery so I hired a professional moving company, XXXX XXXX to pick it up for a fee of {$100.00}. 27 days later I woke up to a hot refrigerator and lost all my food. I called the appliance store and he said I would have to bring it back. I called the same moving company, XXXX XXXX, to pick the refrigerator up and take it back to XXXX. The delivery was done. 

I called the appliance store to see what was wrong and how long the repair would take. He said he could n't look at it for 2 weeks. I said I ca n't go two weeks without a fridge. He called me a XXXX and I told him to keep the fridge and reversed the charge on my credit card. I bought another refrigerator, replaced all my ruined food and moved on. 

Months later, I get a letter from Barclay that the charge for the refrigerator was recharged to my card. What????? The appliance store suddenly claims the movers damaged the refrigerator. They shrink wrapped it and strapped it into the truck. I watched them. There was no damage. 

This all occurred in XXXX. The mover went to the appliance store last Friday to speak with the owner and see the refrigerator. The owner told him he did not know what he was talking about. He told him to have XXXX XXXX call. I did. He yelled and called me some more name. I said I need you to credit my card or let me come pick up the refrigerator. He said he got rid of it. I supplied Barclay with his ads where he was advertising the same refrigerator for {$550.00} through XXXX. Now " he got rid of it ''. 

I called Barclay and told them all of the above, again, and they still refuse to credit my card. 

I am literally at my wits end. What Barclay is doing is causing me a literal nervous breakdown and should be illegal. Where does any kind of consumer protection come into this? What in the world are they doing? Please help me. 

XXXX XXXX
Consumer complaint received 2024-07-18
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. (TX)

i have been in XXXX XXXX since XXXX of XXXX and released on XXXX of XXXX, upon checking my credit report, i have realized that someone has been using my identity using my personal information to obtain goods and services using my personal information
Consumer complaint received 2024-08-27
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. (FL)

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 in those account 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-07-18
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. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong 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 XXXX
Consumer complaint received 2022-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

In XX/XX/XXXX I had sent a request to have the PMI removed from my loan. On XX/XX/XXXX, I received a PMI DENIAL LETTER stating No Major improvements done on the property. as the reason for being denied. I called XXXX and spoke with customer service. I was advised that receipts supporting major upgrades must be scanned and emailed to PHH. On XX/XX/XXXX, I emailed 3 pdf documents containing the receipts for a large driveway expansion that I had installed in XXXX of XXXX. The customer service rep that I spoke with advised me that I would receive a response in writing ( a letter ). I hadnt received any communication regarding the PMI from PHH, so I sent a follow-up email on XX/XX/XXXX. I have received two acknowledgement emails, stating my emails were received, but I have not received any other communications from PHH. As a software engineer, I understand that technology can fail, so I wrote a letter, and sent it certified U.S. Mail, to ensure that PHH is receiving my messages. I did not receive a communication advising they received my letter, nor have they responded to my request, at all. I only receive sicitations to refinnace, that I explicitly opted out of. 

My appraisal came back at {$630000.00}, according to the customer service representative I spoke with in paragraph 1. As of today, my loan balance is {$480000.00}, which puts me at % 76.4 Loan to Value. My Loan to Value is well below the 78 % threshold used for auto-termination purposes and has been since at least XX/XX/XXXX, the date of the first mortgage statement I received after the Denial Letter. In letters that I have received from PHH, advising me of the requirements to have my PMI removed early, I dont see any references requiring major improvements. I would have been happy to have included the receipts if I had.
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

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 an account without my written instructions.