davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Recently, I did an investigation on my credit report and found an item on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Accounts XXXX XXXX This account is being reported inaccurately, please remove this from my credit report immediately!
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The basis of my dispute is that my dad file for BK but because we share the same name and the SSN # is off by 1 digit, my credit was mixed and credit were notified that I file for BK. Once that occurred ; the company would no longer communicate with me or accept payments which caused the delinquencies of these accounts.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (AZ)

On XXXX XXXX, 2016 I attempted to request my free credit report for Equifax from the online web site XXXX. When I submitted the request, the web site directed me to the " Annual Credit Report Request Form '' and instructed me to complete and submit the form. I did so on the same day and mailed it to the address indicated. That form stated it would be processed within 15 days. Since I never heard anything, on XXXX XXXX, 2016 I submitted the request via the telephone. Again, I have received no response. I would have gladly called to follow up but there does not appear to be a customer service phone number which allows you to actually talk to a human being or even leave a message. Since no one will respond, I am at a loss as to what to do next. Please advise. Thank you for your assistance.
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AL)

Paid account in full - XXXX XXXX. XXXX reporting bogus balance. Consumer disputed the information with Equifax and received back the results on XXXX/XXXX/2016 that account was verified as paid in full. 
On XXXX XXXX, 2016, XXXX reported a bogus {$500.00} balance to Equifax. Consumer disputed this balance and remembered that Equifax had did an investigation back in XXXX XXXX, 2016, and found this account to be paid in full. I called Equifax and requested an immediate deletion, but both the phone rep and XXXX supervisors stated that XXXX has a right to place a bogus balance and that I would have to wait 30 days for verification, even though Equifax had already verified that the account was paid in full. This is totally illegal.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These accounts need to be deleted because they are not mine and they have not been validated. I have disputed these accounts with Transunion numerous times. The response I get back is that the information has been 'verified '. I contacted each one of these collection agencies and I never received a response from the collection agency to 'Validate ' the account. With that being said I am sure that Transunion did not get a verification from the collection agencies pertaining to the collection agencies on my credit report that do not belong to me. XXXX is not a way to verify an account. I requested there '' method of verification '' meaning who did the physically talk to at the collection agency. I want to know what paperwork Transunion have showing that this account was validated and verified. The person they spoke with, what department, what day and time, and the paperwork they have showing ownership of the collection account.
Consumer complaint received 2020-08-07
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: Experian Information Solutions Inc. (NY)

I have contacted Experian on several occasions, the most recent being XX/XX/XXXX, in regard to exclusion of derogatory accounts from my credit report. I have 2 accounts that are closed and paid, for which the date of first delinquency will antedate my report by 5 years. I am requesting exclusion of the derogatory information of these accounts based on the provision set forth by NYS law Section 380-J : ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years I have a XXXX card that has been charged off, and subsequently paid and closed. I also have a XXXX XXXX account that has been charged off, and subsequently paid and closed. Both accounts have XXXX of XX/XX/XXXX. When referring to my Experian credit report, these accounts are scheduled to continue on my report until XX/XX/XXXX. Uning the NYS provision, I would anticipate these accounts would be eligible for exclusion this year, as the customary 7 year reporting period is shortened to 5 years. When I have inquired as to when these accounts will be excluded I have been given various dates not in accord, including 5 years from date of last activity on the account. 

I have been unable to reach a resolution to this problem, as I have been told the date of first delinquency is not recognized for application of the NYS provision. I have not had an issue with the other credit bureaus applying this provision and hope to resolve this expeditiously.
Consumer complaint received 2020-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2020-08-07
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)

My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (MD)

I would like for someone to review my modification documents for two reasons. 1. I do not believe I received a fair mortgage modification due to the amounts being deferred and calculated and 2. They are requesting amounts outside of my modification agreement. 

My loan servicer has recently changed from XXXX XXXX XXXX to Shellpoint Mortgage and {$2500.00} is now appearing on my monthly statement as being past due. When I asked what is this amount, I am being told by the servicer, it is advanced corporate fees. 

I have enclosed a copy of my modification agreement and I do not see that amount in it. I have a previous complaint you can refer to for additional information. My complaint number is # XXXX.
Consumer complaint received 2015-11-03
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (FL)

I receive a pre-approve letting regarding a loan offer and the letter verification code is XXXX XXXX XXXX, I called them to find out about the offer, I told them before I let her to run my credit, I asked her what credit score that they require to qualify someone, she told me that they require XXXX credit score and I told that my credit score is about XXXX, I told her that I have that I have a lot of deft, she asked me if I have any federal delinquent, I said to her that I am not sure that it is federal but I did sign up a loan with XXXX for someone he did not pay the loan and I found out and I paid the loan off with my own money just yesterday and I said to her that to her the reason that I giving you all the information in front because base on my situation if I knew I am not going to be qualified I would not let you run my credit and I interested in this offer just to pay off my deft, and she told me it should not be a problem then, so I let her running my credit then she came back telling me that my credit score is XXXX and I have a delinquent with XXXX, therefore they can not qualify me, when I asked her what score they require to qualify someone she told me XXXX and my score is XXXX according to her when I told her about the delinquency with the XXXX and I just paid off yesterday and she told me it would be fine, I also told about the level of my deft, I told her all these in front just to make sure that before I let her running my credit score and told her that I know if you let people check on your credit a lot that would diminish your credit, that is the reason why that I told you all my information in front to see if I can let you run my credit, and when she come back with her decision I tried to remind her what I told her, she was very rude and she said that she told me that she said to me that they required XXXX credit score when she did not, she told me XXXX credit score, I am filling this complaint because I feel so misled, deceived,
Consumer complaint received 2016-06-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions. (VA)

3rd party collection agency FCBS calling multiple times and hanging up, then refusing to tell me why they are calling. Finally they disclose an attempt to collect a debt which was paid in XXXX 2015. I have advised them to cease and desist.
Consumer complaint received 2015-12-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Focus Holding Company (CA)

I paid on XXXX/XXXX/2015 to Focus Receivables a collector for XXXX in full {$1000.00}. I have called Focus and they insist I still owe this amount. I have sent Focus a copy of my XXXX XXXX Statement as verification that I used my XXXX XXXX Card to pay this amount on XXXX/XXXX/2015. I have also filed a dispute with XXXX, and Focus still has refused to remove this negative status on my credit report. 
I just do not know what else I can do, pay Focus again??? 
Thank you,
Consumer complaint received 2016-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company (HI)

I refinance my home on XXXX XXXX, 2016. Loan was with XXXX. XXXX transferred my loan to Freedom Mortgage on XXXX XXXX, 2016 even though they had received a payoff demand letter from my lender and I had called them to inform them that I was refinancing and it would close on or about XXXX XXXX, 2016. Meanwhile, there was also an insurance claim check for water damages to my home for {$7000.00}. XXXX transferred my loan, the insurance check and the payoff check all over to Freedom Mortgage when I had refinanced with XXXX Bank. XXXX had received the payoff demand letter and I had called them. I have been fighting with Freedom Mortgage since XXXX XXXX, 2016 to get this corrected. Now Freedom Mortgage has kept my {$7000.00} insurance claim money and charged me {$6000.00} in interest for a loan they never should of had to start with. I have been trying to resolve this now for almost 4 months going on 5 months. All I get is the run around and I am frustrated beyond words.
Consumer complaint received 2017-03-09
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NJ)

On XX/XX/XXXX I refinanced my VA home mortgage with XXXX XXXX XXXX XXXX in the amount of {$220000.00} with a monthly payment of {$1000.00}. ( See enclosure BBB_ Complaint Case ID # XXXX ). This mortgage was subsequently purchased by Freedom Mortgage Company. As you can see from XXXX I have been paying {$1400.00} every month on time. Then in XX/XX/XXXX my payment was raised to {$2200.00} ( See XXXX ). I contacted Freedom Mortgage and they told me the increase was caused by a mistake at the XX/XX/XXXX settlement on the amount of property taxes and that they were going to spread the " arrears '' out. A new payment in the amount of {$1900.00} ( See XXXX ). I filed a complaint with the Better Business Bureau and Vice President XXXX XXXX XXXX confirmed the increase was due to a mistake at settlement. ( See BBB_ Complaint Case ID # XXXX ) Therefore due to a mistake at settlement and that mistake not being caught by XXXX or Freedom Mortgage, my monthly payment has increased by {$480.00}. I feel this is either incompetency or the part of XXXX mortgage companies or a predatory loan I never would have agreed to in 2015
Consumer complaint received 2020-08-07
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: EQUIFAX, INC. (NJ)

I've wrote through several letter attempts from XX/XX/2020-XX/XX/2020 to remove inaccurate information and accounts that are in FCRA violations. The accounts are reporting different and inaccurate Account Status, The account are reporting accounts Dispute status as : Account not disputed when the account has been disputed multiple times which, is a FCRA violation.

Several collection accounts are reporting a payment status, which is a violation. Collection accounts are closed and should not report late payments.
Consumer complaint received 2016-01-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WA)

I have XXXX loans on my home. The first mortgage after much stress, hassle & lies from this bank, I finally received a loan modification. The XXXX loan is a HELOC with " Wells Fargo ''. They told me that if I could get a loan mod from the first lender it would be much easier to get modified with them. They denied me twice, saying I can afford the monthly payment as is. Which seems to have nothing to do with any reason to deny an approval. The payment would have to go up regardless & if I made less money they would say I could not afford it & be denied as well. They even added {$1000.00} to my gross income, of which I do not make. So apparently there is no such thing as approval in any case.There is only an {$8500.00} ( approximate ) delinquent amount. If this amount was simply added to the loan amount it would be about {$20.00} more per month in payment. So they would rather foreclose on my house than to increase my monthly payment by {$20.00}. This is outrageous. 
In 2 years this HELOC will end anyway & the entire amount will be due. If I refinance it will increase my payment by about {$600.00} more per month + the cost of the refinance fees. I only have 2 years on support payments left & then do not know if I will have any income at all after that. I was a homemaker and almost XXXX XXXX XXXX now. While my ex still enjoys his XXXX figure job & lavish health insurance. He was the one who caused all of the delinquent payments in the first place. The only choice I am given is to come up with the {$8500.00} payment. How do they figure that I can afford that? I am currently making the month payments & have been for the last couple years. It is only the delinquent amount at issue.
Consumer complaint received 2020-08-07
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. (PA)

Experian keeps adding false information on my credit report XXXX been disputing this account more then once also submitted a affidavit XXXX XXXX and XXXX  remove these False accounts except Experian
Consumer complaint received 2020-07-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc. (DC)

Real Time Resolutions Inc. have been dishonest in their reporting and collection practices regarding a mortgage loan that was closed and charged off by XXXX XXXX on XX/XX/2012 and then it was transferred to Real Time. Acct XXXX. XXXX XXXX sold the loan to Real time and now I am a victim of Real Time false and misleading representation and false Debt Collection Practices. I have filed complaints thru all credit bureau and real time continues to report that the loan is Active ... and I'm 120 days delinquent. However that loan has been closed since 2012, charged off, and past the statue of limitations to collect. I'm in severe hardship thru this pandemic and real time erroneous reporting has caused me adverse hindrance because I have tried to refinance my current mortgage and was denied due to them. Please help me by making them remove from my reports because it's also 7 years past the date of last payment. I don't owe this close and charged off debt.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted several disputes to TransUnion for over 6 months now ; disputing the inaccurate, misleading, and unverifiable information listed on my credit report from multiple creditors. I have asked TransUnion on multiple accounts to remove any and all addresses, as well as personal information that does not belong to me, nor that I have ever lived at, and TransUnion will not acknowledge my request. TransUnion has continuously sent me a response to every dispute I send them, almost immediately refusing to thoroughly investigate the accounts because I have " previously '' disputed the accounts and they came back verified. My initial dispute was submitted in XX/XX/2015. I have sent a dispute every month since then, re-disputing the accounts with more information, or with a different reason as to why these accounts should be removed immediately. I have also requested method of verification, as well as proof of verification, and they have completely disregarded my request and thrown out my investigations entirely. I do not know where to begin in regards to having this matter resolved as I am constantly having to face an uphill battle with a company who is proving they are not abiding by the law and completing a full and thorough investigation. I am requesting that you please look into this matter and have TransUnion complete a full and thorough investigation of the accounts listed in the attached letter. I have sent them certified/registered mail with return receipt every month, and I know they have received my disputes because they reply back with the letter indicating the dispute will be disregarded to being previously investigated. Which I am aware of, but I am giving a completely different dispute reason every time. Please assist. I thank you for your time and help on this matter. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-03-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (NY)

Today I called Avant Inc to make an interest only payment, I was told that a portion of my payment had to go to the daily interest that accrued from my last payment to today. I told the rep that I did n't want any of this payment going to interest. The rep told me that is the policy and it ca n't be changed. The rep said if I wanted to not accrue any interest when I wanted to make an interest only payment, I must make the payment on the day that my regular payment is due. Also I was told there is a limit of how much additional principal I could pay each month with my credit card. In the loan agreement is says I could make additional payments by paper check, money order, debit card, or credit card, but nowhere does it say there is a limit of how much could be paid with any of these forms of payment. They are forcing me to pay interest I 'm trying to avoid. Their policy will make me take longer to payoff the loan, resulting in unnecessary interest payments.