davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TAYLOR MORRISON HOME FUNDING, INC. (CA)

Since I requested the company to remove me from the forbiddance plan, I'm trying to resume payments, but they do not move the balance acquired during the forbiddance to the end of the mortgage, so the website doesn't allow me to resume my payments. 
I'm trying for more than a year to follow the process of providing all the required documents but so far no answer from the company. 
Now I received a letter from a layer office informing me my mortgage was sent for forclosure.
Consumer complaint received 2024-08-21
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. (AZ)

Dear Transunion To Whom It May Concern : I was in the process of applying for new employment and housing and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts There is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number # XXXX Delete this account.
Consumer complaint received 2016-03-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DISCOVER BANK (NC)

I have been in a dispute of an alleged credit card account that I am not aware of at all and It has been in a judgment in superior court for 2 times since XXXX ( very unawares ) and XXXX ( did not want to resolve the matter in XXXX from scheduled date and it was made on XXXX ). I have presented questions for the opposing party, DISCOVER BANK, by way of a law firm, in for them to answer and they have refused tremendously in answering the questions. This is why I have not received cooperation in regards to this alleged account and I would like assistance on this matter most urgently. I have had a court date that was designed for XXXX XXXX and there was an apparent court date for XXXX XXXX that was issued but not to wait for the XXXX XXXX date that was awaited by myself in appearing in court for that particular date. Altogether, this alleged account is in scruples and is very tiresome of the opposing party in answering questions that has been involved in gathering the history of this account, with any supposed credit card application, or signature of the alleged account and this is very disturbing for me, be it that I have been under identity theft with my social security #, or address, or phone number ( s ). I need help in resolving this issue, be it that I am in a judgment notice of " Right to have Exemptions designated '' and it is very disturbing of the opposing party in answering questions pertaining to this alleged debt that refused so many times.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is 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 2022-05-31
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: EQUIFAX, INC. (TN)

The credit bureau stated XXXX XXXX XXXX Reported : XX/XX/XXXXXXXX XXXX XXXX, XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  CO Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Reported : XX/XX/XXXX US DEPT. OF EDUCATION/XXXX  Reported : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX DEPARTMENT OF EDUCATION Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, this ground for removal. They also violated my rights under 15 U.S.C. 1681 section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions. They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : the law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They also violated my right 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-05-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (CO)

I owed XXXX XXXX debt and paid it off in payments. The last amt was different than any of the other payments {$210.00}. I sent the Hospital proof of payment from my bank- dated XXXX of 2021-using mail and fax on several occasions. The canceled check has their stamp on the back. I called the hospital and they said they received my proof, but continued to bill me. Now I am receiving bills from a debt collector and I sent them same proof. They continue to send bills. What can be done?
Consumer complaint received 2016-08-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (NM)

I have a loan for a mobile home with Vanderbilt Mortgage. In XXXX 2014, about {$5000.00} were added on my billing statement as " service fees. '' I have no idea why this was added or what it was for. Despite me paying my regular monthly payment each month, this {$5000.00} shows up as a past due amount. I have never been given an explanation for the {$5000.00}, despite my attempts to communicate with Vanderbilt. I have attached my billing statements, a letter I wrote to Vanderbilt and a letter that New Mexico XXXX wrote. Vanderbilt has not responded to any letter.
Consumer complaint received 2022-05-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (SC)

I applied online through XXXX XXXX to finance furniture. They udentify multiple programs for financing. The rate noted was an APR of 147 % with 101 days interest free. As I started making my payment still within that 101 days I noticed a small portion of my payment us going to principle. When I contacted them they advised they don't have interest they have a finance fee if XXXX  per day. When I applied, there was nothing noted on XXXX XXXX  website that stated that. Additionally, they do not se d me any billing statements at all. They told me to create an online account and I can get my bill. I thought creditors were required to provide a statement to their creditors that reflects balance owed and the obligatory payment amount. This is predatory lending at ut best as well as bait and switch. They also advised that they can't draft more money than listed on the contract which helps pay the balance and interest down faster. I think this company needs to be Investigated. I understand tgat there us a difference between finance fees and interest but they misled me to believe that for that first 101 days no additional fees/interest would be assessed until the 102 day if the account was not paid off by that time. I have paid XXXX. Towards a balance of XXXX and XXXX of that has gone to finance charges I did not think existed until after the 101st day. This is predatory lending at its best.
Consumer complaint received 2015-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (IA)

The ERS company continues to call my job about debt collection instead of calling my cell phone. They also are using threatening language towards me despite my attempt to pay the debt. I do n't make enough money each month to pay the amount they want. The amount I can pay is not enough for them, so the man calling me is bullying me.
Consumer complaint received 2024-09-19
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. (GA)

I am writing to formally dispute a collection account that has been inaccurately reported on my credit file. XXXX is currently reporting that I owe {$1700.00} for an XXXX XXXX that I never received. This collection account is erroneous and should be removed from my credit report immediately.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2017-01-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NE)

I was dbl charged for a mortgage payment XX/XX/2016. As soon as I realized what had happened I called to get the issue resolved. The representative at that time said there was nothing that they could do until they had proof that the check had cleared. 
The check cleared, The automatic debir payment also cleared at that time and I have sent their reps proof by sending electronic screenshots and copies of the bank statements to that effect. 

Evidently this is not proof enough for them. 
They want extra effort on my part to contact the back and receive additional documentation that the bank said they would provide for a fee. 
In effect I will be paying an extra fee to my personal bank in order to get the money I am owed from my mortgage servicer that they took in error in the first place. 
have been trying to get my money returned and the LOANCARE officers are making it as difficult as possible for me to get my payment returned. 
to resolve the problem I expect my money to be returned to me in
Consumer complaint received 2015-09-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Account Resolution Services, LLC ACC # XXXXPhone : ( XXXX ) XXXXFax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Account Resolution Services, LLC ACC # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : Account Resolution Services, LLC ACC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2015-05-20
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

I requested a loan modification, under the recommendation of the VA, on my VA home loan in XXXX of 2011 ; I was XXXX for two months and requested those two months be rolled into the principal of my loan. I resumed normal mortgage payments on the third month and have never been late. I remained in monthly contact with customer service of this mortgage company, and they consistently reassured me that the " late payment '' status on my paper bill was just a formality during this process and will correct itself once the paperwork is finalized. It took the mortgage company 11 months to " finalize '' the paperwork. This mortgage company reported to the XXXX credit bureaus that I was 120 days late for 11 consecutive months. This does not correctly reflect my payment history, I do not know what they would have to gain from this, but it is pulverizing my credit!
Consumer complaint received 2016-09-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Carrington Mortgage brought our Mortgage from XXXX XXXX XXXX. They took procession of the loan on XXXX XXXX 2016. At the time they took over the loan we were paid up to date. ( NO missing or late payments ). Carrington started off saying we owned the XXXX payment. We 've called, faxed, sent certified letters showing we made the payment, but yet, they insist we are behind. We sent them the statement we received on XXXX XXXX from XXXX showing we were current ( NOT missing a payment ). Anyway, Carrington insist we are now behind over {$5000.00} because for some reason they hold checks and cash checks WITHOUT applying the funds to the mortgage. Calling and talking to them is like talking to a brick wall. No one keeps records of anything!!!!
Consumer complaint received 2015-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Helvey & Associates, Inc., Warsaw, IN Branch (GA)

We called in XXXX to end shut off service. Our lease was ending and we where relocating to XXXX. They did not disconnect the service on XX/XX/XXXX as requested. The new renters continued to use the service under me well into XX/XX/XXXX. When we received the bill and disputed why it was not disconnected when we requested. After the investigation, they found that the final bill should have been {$160.00}, however they sent us a final bill and reported to credit agency without allowing me to pay the bill. This should never have went to the credit agency since it was their error.
Consumer complaint received 2024-10-31
Product: Credit 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: SYNCHRONY FINANCIAL (CA)

In XX/XX/year> I made a purchase on XXXX in the amount of {$140.00}, the post office made XXXX attempts to deliver the package but it was not delivered and ultimately returned to the sender. 

I contacted the credit card company, Synchrony Bank, I was trying to get them to refund me and I showed that the item had been returned to the sender by the post, that I didn't have it. 

I fought them over it for months, I even went to the post office to get documents from them showing that the item was sent back to the sender but they kept denying me. 

I did attach the transaction information, it does have my name and everything, feel free to delete that if you don't need it at this time. If you want to send it to them, it's fine, it may help speed things up a bit.

They would allow me to appeal the denial a couple times, I kept telling them I didn't have the items, that the XXXX XXXX returned them to the sender, that I was just seeking a refund and they never helped me. They never even offered to get the items sent back to me, nothing, they just left me holding the bag so to speak.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1000.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX XXXX am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.
Consumer complaint received 2022-05-31
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. (PA)

I submitted a letter to the Experian XX/XX/XXXX to remove these suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-19
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-06-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (OH)

On XXXX/XXXX/16, I received documents from US Bank dated XXXX/XXXX/16 stating I was approved for a deed in lieu if I complete the agreement. On XXXX XXXX, 2016, my security alarm was sounded due someone broke into my home. The XXXX locks on the screen door were damaged and the main door dead bolt was removed and the door knob had a lock box on it. My screens to XXXX back windows were raised. The police was notified. The person ( s ) were gone by the time we arrived. My lawyer, XXXX XXXX was immediately notified. Since he was traveling he requested me to contact US Bank to stop preservation. When I contacted US Bank I was told they did n't do it & my account was referred to a third party, XXXX. US Bank contacted XXXX and they stated they did n't do it either ( an invoice attached ). I also contacted the XXXX & XXXX law firm since I received papers regarding the deed in lieu that went with the other papers. They also said they did n't do this either. No one is taking accountability for this. The US Bank rep stated in their database I had to vacate the premises by XXXX/XXXX/16. I have not received any official documents stating when to vacate the premises. My last payment arrangement is due XXXX/XXXX/16. I informed the rep did n't you see my 1st payment & that I am in an arrangement so this could n't make since. I had to replace my locks and my security alarm had to get serviced since they damaged the sensor on the front door. I have attached my certified payment receipts received by the banks, my last payment made to the bank which should be received to them on XXXX/XXXX/16 per the postal service, pictures, letters from the bank with details, etc. My privacy has been violated and feel humiliated. I have had sleepness nights. I 'm very concerned that they will break into my home again and evict my belongings. I am very upset by all of this.
Consumer complaint received 2022-05-31
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. (PA)

I submitted a letter to the TransUnion XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX  XXXX Balance : {$0.00}