davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (CA)

This administrative complaint is filed on behalf of the complainant by her advocate. The complainant has limited English proficiency. 



The complainant was a self-employed hair stylist for many years. The ongoing worldwide COVID-19 pandemic forced her to close her business. She was approved for a forbearance on her mortgage loan for XXXX through XXXX. XXXX, SN Servicing Corporation representative, told the borrower to apply to have the forbearance payments added to the back of the loan after XXXX. The borrower applied to have her forbearance payments added to the back of the loan, but XXXX was no longer available, instead she worked with XXXX. XXXX was short tempered and negligent in clearly explaining the forbearance options, provide investor information, or explain the borrowers right to authorize a third party. 



The borrower submitted multiple applications to add the forbearance payments to the back of the loan. Correspondence regarding the forbearance application was sent to the borrower in English. She did not understand why she was offered a repayment plan instead of adding the payments to the back of the loan. She tried to authorize her daughter, but XXXX repeatedly said no, without explaining that a third-party authorization form needed to be submitted. The borrower feels that XXXX actions were inconsiderate of her obvious language barrier. Additionally, instead of explaining why the forbearance payments were not added to the back of the loan, XXXX repeatedly told the borrower to submit a new application. The borrower lost count of how many times she applied before XXXX told her the investor of the loan wasnt willing to add the forbearance payments to the back of the loan. The borrower asked for the investor information. XXXX told her to re-apply so they can re-review her, instead of providing the investor information. The borrower re-applied. The investor refused to put the missed payments to the back of the loan again. 



Never once did XXXX, nor anyone at SN Servicing Corporation, explain to the borrower that not all mortgages are protected under the CARES Act. The borrower believes information was purposely withheld as a tactic to lead her to foreclosure or force her out of her longtime home. Should SN Servicing Corporation representatives have clearly explained the realistic alternatives, the borrower would have been more cautious in accepting a forbearance plan. The borrower would also like to have CFPB be aware that SN Servicing Corporation is not offering reasonable options to homeowners who were directly affected by the on-going worldwide pandemic.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Ive sent this company numerous request to provide verifiable proof for both XXXX XXXX XXXX  accounts. The failed to comply. Ive even sent them proof that the account doesnt belong to me and that XXXX  has already removed it and they continued to send it back as verified with no proof.
Consumer complaint received 2021-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc. (FL)

On XX/XX/2020, Sentry Recovery and Collection reported a collection account for XXXX XXXX XXXX in the amount of {$140.00} on my credit bureau file. On XX/XX/2020, I sent a letter to Sentry Recovery and Collection disputing the debt and requesting validation ( see attached ). They did not respond. Pursuant to the FDCPA, they were required to respond to my request within 30 days. To date, Sentry Recovery and Collection has never contacted me or sent any information regarding the validation of this debt. Sentry Recovery and Collection has violated multiple FDCPA laws. Sentry Recovery and Collection has a history of complaints at the CFPB of violating consumers ' rights by not conducting business practices in compliance with federal and state laws regulating consumer collection agencies. I have filed a complaint with Florida Attorney Generals Office and included copies of all correspondence. I am requesting that this company be investigated and that the account be deleted from my credit bureau file immediately.
Consumer complaint received 2021-01-27
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. (AZ)

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. The following accounts I demand to have removed XXXX XXXX XXXX, U.S. Bankruptcy Court XXXX. The following bankruptcy has already been deleted and deemed as unverified with XXXX they were not able to verify the bankruptcy per law so how are you? with the original furnisher? not through third party sold information that's against the law ( chapter 15 usc 1692, 1608 ) you are required to follow this law and provide written consent. 

Under code 15 U.S. code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates I XXXX XXXX XXXX have never gave XXXX any written consent to report anything on my consumer report, No consent is identity Theft. I will provide a copy of the LAW. 
The following addresses are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX YOUR companies failure to comply with these laws has cause my major distress on me as a consumer and has ruined my reputation as a consumer and I demand to have these laws enforced and data deleted permanently. 
This abusive act has been an invasion of my individual privacy. If you do not respond or comply with these laws I fully intend to pursue all litigations possible in regards to this matter.
Consumer complaint received 2021-01-26
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. (CA)

I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I paid off my car note with XXXX XXXX in XX/XX/2020. However, since that time they have actually been reporting that my account has been late, and still show that I have a balance owed. I even have a letter directly from XXXX that shows I have no balance left on this account, and that it was paid in full in good standing. I am not sure what the problem is in regard to why XXXX is unable to report this account accurately, but I have now waited nearly 4 months for their company to properly update my credit report. The account number is XXXX.
Consumer complaint received 2021-01-26
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX/XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ).

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful XXXX. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Continental Finance Company, LLC (NC)

Account # : XXXX Just wondering the reason as to why this account is still showing up on my credit report, also see attached. 

This account is a dead trade line and is over XXXX years old. Could you please see that this account is deleted from all the credit reporting agencies that you use. 

Thanks you.
Consumer complaint received 2021-01-26
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: Shellpoint Partners, LLC (OR)

On XX/XX/XXXX statement was printed saying XX/XX/XXXX payment was for {$540.00}, I made a payment in XXXX and didnt go through and was charged {$25.00} NSF. Dont know what happened but wasnt my fault. On XX/XX/XXXX I made a payment with a representative confirmation number XXXX. I paid the amount due and {$25.00} NSF fee on XX/XX/XXXX within the month it was due. I than confirmed with the representative that took the payment that I ful-filled my mortgage obligation for XXXX they said yes. But they put my payment under Unapplied funds and reported to credit bureaus I was 30 days late. This isnt true and can see I made my payment obligations in the month of XXXX for the amount due and along with the incorrect NSF fee.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I attempted to dispute that XXXX XXXX XXXX is still reporting an open account on my credit that was supposed to be included on a bankruptcy. I used experian to dispute in XX/XX/2020 but it's still listed on my credit file. I'm attempting to purchase a home and have been informed I should report to CFPB.
Consumer complaint received 2021-01-26
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: REGIONS FINANCIAL CORPORATION (GA)

Company is reporting a loan that has been paid off.

Company has accessed my report without my written consent.

Company is ruining my reputation.

Company is reporting a false address.

Company is in violation of multiple offenses of the Fair Debt Collection Practices Act.
Consumer complaint received 2021-01-26
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've wrote several times about the accounts that are listed on my credit report but I am not getting any where. I am a identity theft victim my personal and financial information was stolen years ago which I've had a fraud alert placed on my report but its removed after a couple years. I did not authorized the accounts listed.
Consumer complaint received 2021-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (TX)

I cancelled my XXXX  account back on XX/XX/XXXX because I had been victim of an scam. Basically I sold an online service to a person and that person later on claimed to XXXX  the he/she did not receive the goods. I provided XXXX with all the documentation that proved I had provided the goods to the person and they failed against me so a negative balanced showed in my account. After that experience, I decided to close my XXXX  account and removing all my credit/debit cards as well as bank information. In order to remove any payment method from XXXX, you can not have any outstanding balance so by the time I closed the account, I did not have any debt with XXXX. 

It turns out that today XX/XX/XXXX, after 6 months of having my account closed, I received a letter from ACI ( american coradius international ) company regarding a balance of {$150.00} that I had not paid to XXXX which does not make any sense because I had already closed my account ( this means that I had XXXX debt ). Since I no longer have a XXXX account, I can not reach customer service and XXXX does not have a dedicated human phone line.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

Incredibly XXXX XXXX literally refuses to follow the FCRA, FCBA, or any Federal or state law governing billing disputes. This case is as defiant as you will ever come across concerning a financial company 's willingness to follow the law. There can be zero doubt XXXX XXXX is aware of the law, aware how they are in violation of the law as numerous emails, complaints and phone calls have been made to this reckless and defiant company, including to the CEO himself XXXX XXXX, and other board members. There is no other way to read there defiance but as a direct XXXX XXXX to Congress, the CFPB and the Courts. 
XXXX XXXX does business in America, they Profit off of Americans, but they have decided to ignore the laws, probably because they do not have any respect or fear for Congress or the courts. 

Since XX/XX/XXXX, I have had a dispute concerning a XXXX unauthorized charge in the amount of {$1000.00}. Although XXXX XXXX continues to have the investigation open they have been reporting the {$1000.00} as part of my balance to the credit bureaus. Which also places my account over the limit. The correct balance should be reflected as {$430.00}. As a result I have been denied credit including a mortgage and SBA PPP loan. 

XXXX XXXX claims they have contacted XXXX concerning my dispute, However I have contacted XXXX on several occasions asking for information concerning my dispute, each time XXXX has contradicted XXXX XXXX claims, stating XXXX XXXX has never contacted them concerning my dispute. If this is true and it likely is, they should not be in business and the CFPB should sanction them as a message to deter other financial companies from this egregious behavior. I have attached a recording of one of those conversation which happened on XX/XX/XXXX Further, as you will see in the attachments, XXXX XXXX had updated the 3 credit bureaus on XX/XX/XXXX than a week later deleted that update however leaving the XX/XX/XXXX information they furnished. 
XXXX also continues to charge me interest on the disputed charge. 
This complaint will be shared with members of congress, and the Mi. Attorney General and XXXX XXXX XXXX who I intend to retain in the upcoming weeks as soon as the finish reviewing my case. Note : I XXXX they can keep 100 % of whatever amount they may win.
Consumer complaint received 2021-01-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (AZ)

I applied over the phone for a short term loan in XXXX for {$700.00}, and more recently in XX/XX/XXXX for {$500.00} with the stated agreement that I would be able to pay it off incrementally with the agreed upon minimum payments being toward the principal, with the company to be owed the remainder as interest due within the payment period up to when the principal was paid. 

after a period of 6 months, wherein I was still receiving notices for payments owed and automatic withdrawals from my bank account. I found this odd because six months should be more than enough with the payments I had been seen being deducted to cover both the principal, As well as any interest. 

I contacted them only to be directed to an outsourced call center, who was only able to send me limited details for the loan, which that showed I had somehow put my digital signature on a loan agreement that instead stated I had agreed to a loan with an over 800 % annual interest rate wherein that the minimum payments were to cover the financing, and that I would need to manually submit ADDITIONAL payments to count towards the loan principal. This was/is in direct contravention of what I had agreed upon over the phone with the agent who submitted the loan. 

It is currently six months since the loan was issued, and I have paid into the loan for the full amount of the principal, and nearly an additional 100 % of the loan principal in financing fees and interest. 

I also discovered that unbeknownst to me, The previously completed loan term the year prior where the principal was {$700.00} and with the previously agreed upon terms, I had ended paid over {$2100.00} over several months without realizing. 

The company has refused to acknowledge my attempts to correct this issue and address their fraudulent and predatory conduct. They have undermined my financial security over a significant period of time, and have compromised my ability to even keep food on my table. 

The loan terms are purposefully obfuscated, and the information provided by their loan agents is/was outright falsified. I have been offered no recourse for this, aside from " buyer beware ''. Had they been forthright about the true loan terms, I would not have agreed. Instead, they took advantage of someone with limited information resources and with an extremely limited time frame of action, and lured them into an agreement under false pretenses.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent Tranunion a certified letter dated XX/XX/XXXX about an account with XXXX XXXX. I received notice stating that it was verified as accurate. 

I sent another letter dated XX/XX/XXXX requesting their method of verification, however, I did not receive their method of verification, but continue to report the account on my report. They also had 15 days to provide me with their method of verification. 

I contacted XXXX XXXX on XX/XX/XXXX at XXXX XXXX XXXX, spoke to a Representative named XXXX, and he stated that he could not find any account after I provided him with my social security number, my date of birth, and my address.
Consumer complaint received 2021-01-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (PA)

1. Credit collection service. XXXX XXXX XXXX XXXX MA. XXXX. This company for which it states is XXXX XXXX from XX/XX/XXXX. I never had that company back then I had XXXX XXXX. Tried to reach this company many times to no avail. Disputed item with credit bureaus at least 4 times but it still on my credit report. I want this off my credit report as it is hurting my score. With covid-19 going on these companies hurt you instead of helping. Please help by getting this account removed.
Consumer complaint received 2021-01-26
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. (FL)

information that does not belongs to me was added to my credit report file, despite several unsuccessful attempts via telephone calls, trying to have the error fixed, removed from my credit file, it seems it was not going to be resolved. I have decided to try different revenues as such. please remove and block the listed negative report from my credit file as they don't belong to me, and should not be effecting me.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (CA)

When asked how was the amount owed, {$37000.00} calculated, they said they spent too much time on my file and if I don't respond today they will move to legal. XX/XX/2021 They offered my {$7700.00} settlement but I am not sure if original amount is correct.