davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (MA)

On account ref # XXXX Shellpoint : Stole money from our bank account ; Lied to us about how it was stolen ; Lied about how long it would take for our bank to reverse the charges ; Either lied about " anyone on the phone '' being able to stop our withdrawal from our account or withdrew money from our account without authorization ; Inaccurately issued an ( unnecessary ) refund check to us ; Told us upon our inquiry that our account was not in default and that we shouldn't cash this check ; erroniously reported us as having missed a payment to the credit ratings agencies, being " in default '' ; Never told us that they'd reported us in default or had considered us in default ; Either the check they sent us was a cashier 's check, in which case they just threw away money when they told us not to do anything with it OR lied to us when they told us it had been a cashier 's check ; Still refuse to admit that our credit was damaged because of an accounting error generated by a mix of their own incompetence and dishonesty and our attempts to have our bank stop them from stealing from us when, do to their unresponsiveness, we had no indication we'd ever get our money back ( > {$4200.00} ) ; Continue to refer to only one of MANY phone call transcripts, one which they think somehow clears them even though it also proves their dishonesty or incompetence ; Continue to insist they did nothing wrong because they are either dishonest, incompetent or both
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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. 


XXXX XXXX TRANSUNION 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! 


Update the late payments from my consumer reports
Consumer complaint received 2020-10-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried working with Transunion in regards to many unauthorized inquiries on my report. I told the representative that these inquiries are not mine and that I have a fraud alert on my credit report so why are there inquiries without my authorization and ask them to verify the inquiries on my behalf. They refuse to and said they can't do it and I have to call each individual company and dispute it with them. Since I didn't authorize the inquiries I feel its Transunion who should verify the accuracy of the inquiries. They refuse to. Please help me file a complaint against Transunion and help me remove these unauthorized inquiries. I have list the inquiries below. 

1_ XXXX XXXX XXXX _ Inquiry date XX/XX/XXXX 2_ XXXX/XXXX  _ Inquiry date XX/XX/XXXX 3_XXXX XXXX XXXX _ Inquiry date XX/XX/XXXX 4_XXXX XXXX _ Inquiry date XX/XX/XXXX 5_ XXXX XXXX _ Inquiry date XX/XX/XXXX 6_ XXXX XXXX XXXX _ Inquiry dateXX/XX/XXXX 7_XXXX Auto Finance _ Inquiry date XX/XX/XXXX 8_ XXXX XXXX _ Inquiry XX/XX/XXXX 9_ XXXX/XXXX  _ Inquiry date XX/XX/XXXX 10_ XXXX/XXXX  _ Inquiry date XX/XX/XXXX 11_ XXXX/XXXX  XXXX  _ Inquiry date XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-06-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I have filed for a VA Home loan through Loan Depot and they have denied and prolonged the request despite being qualified for the VA Home Loan as a military member. 

The Loan Consultant did not want to give the VA Home Loan pre-approval but instead provided a pre-approval letter under the Conventional Home Loan. They have made numerous stalling tactics that my family lost the bid for the home we were hoping to qualify. The company have ignored our request for months despite our plea for a VA Home Loan Approval. Additionally, the loan company placed my credit score on the pre-approval sheet in which certain individuals is not privy to view. 

The pre-approval loan letter provided the Loan to Value ratio in which we have not committed to the home to purchase since the company neglected our request for months. As a VA Home Loan it should be easier to qualify rather than the conventional home loan. 

I was informed by the community that despite that they advertise that VA Home Loan is available they only cater to the cash market that the XXXX foreign nationals bring.
Consumer complaint received 2020-12-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (GA)

Companies responsible : XXXX GA XXXX XXXX XXXX collection XXXX XXXX XXXX XXXX XXXX I have been told by my insurance that a EOB was sent regarding medical concerns from error in processing. When I originally was contacted I called and they advised to provide EOB as proof and disregard the attempts of debt collector. During this time period I had state insurance at the time and still presently do. I have email correspondence from XX/XX/XXXX, explaining that I have full coverage for my XXXX. However due to lack of proper care I XXXX XXXX  XXXX  in XX/XX/XXXX. 

They told me they mailed it out due to the stress and XXXX I requested another to assist with a resolution. I notice things on my credit report and tried to address it. When I requested it again due to Covid I was unable to obtain a copy for credit agencies. Now I have collection debt for being XXXX and having government insurance. I feel as though not only am I being harassed for a processing error. I am being humiliated for it, I XXXX XXXX XXXX and now my future is subject to this constant reminder. I just don't see why know one is responding nearly two years later going into XXXX and I am still forced to deal with this. Please take this seriously it was enough for me to go through it, to have this looming reminder is torture.
Consumer complaint received 2020-11-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (TX)

Apparently I applied for credit through Wayfair, an online store and ordered something. I don't even know what. There appears to have been a credit card issued only to use for the store. I saw on my credit report a company called Comenity Bank/Wayfair reported I did not pay my bills. I've never received a bill. I have no clue what is going on. I've tried to call the phone number of this credit card company and they always hang up when I ask for proof of purchase. 

So finally out of sheer frustration I paid the bill just to get it off my credit report. But here is what I'm asking CFPB to do. Please find out how I can get a report of what this is about, when the order was placed, how I can clean up my credit report with this credit card company ( I had excellent credit )? Please help!
Consumer complaint received 2020-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (PA)

I disputed this account with Convergent Outsourcing and the validation they sent me, was not what I requested, and falls woefully short of the required documentation as required by the law. They have continued to autodial my cellphone despite being asked not to, and they didn't validate the debt properly! Help me please!
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX DOB XX/XX/XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : 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 All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX This is my only number XXXX All other telephone numbers are not accurate. 

Please REMOVE/DELETE these telephone numbers IMMEDIATELY :
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NY)

I have struggled during this pandemic, however still made very attempt to make my monthly payments and even paid off my account on XX/XX/XXXX. As we are in a pandemic at this time, lowes has found a way to attempt to bring my credit score down by decreasing my credit from {$2000.00} to {$100.00} and even stated I owed money on my account when I actually paid the entire balance off to put me in a delinquent state. This creditor has no respect for a customer and I have not even received any information via mail, email or text for that matter regarding this situation. I called lowes on XX/XX/XXXX at XXXX ; XXXX because I received an email stating I had a payment due on XX/XX/XXXX and the is what prompted me to go online and see if there was a mistake regarding me owing a payment, but it wasn't and that is when I saw they had decreased my credit limit 90 %, which in my opinion I guess they should have just cancelled my account. I am currently unemployed but any money that I receive wether it is from the state or family and friends it pay toward my bills, and lowes has the nerve to be monitoring someones credit and decreasing my credit limit 90 %?? I think this company is not there to assist people but to put them in debt. I guess I should have just stayed in debt, because at least I would have on my credit report where the creditor drastically decreased my credit line, and during a pandemic at that? Who can help us and protect us from creditors who just want to penalize you for needing assistance?
Consumer complaint received 2020-12-30
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. (FL)

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

1 ) Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
I am filing a civil suit in my county for damages and you can travel to defend yourself.
Consumer complaint received 2020-10-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2020-06-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (MO)

We are in the process of refinancing our current home loan that is with XXXX XXXX. We are refinancing with XXXX XXXX XXXX XXXX. They use XXXX XXXX XXXX. However, in the title search processing, it was discovered that an old loan ( XXXX ) that we had with U S Bank NA, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX MO XXXX has not been properly released per the Recorder of Deeds in XXXX XXXX County. We paid that loan off in XXXX XXXX XXXX. 

The Deed of Release for the XXXX payoff was improperly worded. Instead of releasing the actual title, U S Bank release the Assignment of the Deed of Trust that they had with XXXX XXXX. 
The document that U. S. Bank needs to correct is the XX/XX/XXXX Deed of Release. They released XXXX XXXX but they did not release us. The loan was completely paid off on XX/XX/XXXX. 

We contacted them via email ( see attached response from U.S. Bank department of Purged Releases. This was on XX/XX/XXXX. We also contacted them on XX/XX/XXXX and they told us they would get back to us asap. We have heard nothing from them. 

We can not get a refinance loan until they correct the Deed of Release, dated XX/XX/XXXX, and completely release us from this loan. In fact, we can not sell our house if we wanted to until U. S. Bank corrects the mistake that they made.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I recently requested my credit reports and found some fraudulent accounts had been opened in my name. 
XXXX Report # XXXX Is reporting two fraudulent accounts that do not belong to me : *XXXX XXXX XXXXXXXX XXXX XXXX orginator of the debt ) * XXXX  XXXX XXXX- ( fraudulent auto loan/lease ) I have directly contacted this credit bureau with my dispute, I need your assistance at this point. 

Equifax- Report # XXXX Is reporting a fraudulent account from XXXX XXXX XXXX XXXX auto loan/ lease0 This account is not mines and was opened in fraud.
Consumer complaint received 2020-12-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

Endless requests for obscure paperwork delaying loan processing and finalization I applied over the phone XXXX and paid the {$500.00} appraisal fee with XXXX - very kind and helpful. Uploaded all documents by the end of the month but no response. My loan originator changed to XXXX after XXXX had left. After uploading an entirely new set of the same documents, no response. I called AmeriSave and only got through by selecting menu option for new customer ( not existing applicant ) because email and phone appointments with XXXX were unreliable. When I did reach him, he was very helpful and kind. He set up my appraisal ( initially told might not need it ) and report was sent shortly thereafter ( XX/XX/12 ). After that, I thought we were ready to go. But I am still getting auto generated emails everyday requesting some new document. I've purchased two houses before and been through the mortgage loan origination process. This company 's workflow is nonsensical - endless requests for documents, invoices, new paystubs from the same employer that no other bank has ever requested - and they do not request them all at once. It's all piecemeal so that the process gets drawn out with no known end in sight. If you are looking to obtain a mortgage on a tight schedule, this is not the company for you. I discussed the troubles with my husband and he raised the issue of this company 's legitimacy. I found many similar complaints on the XXXX  website, many of which were resolved, so I'm hoping this will do the trick. Another concern - I check my emails and the website for updates but never gave consent for mobile updates. Yet now I am getting text reminders to upload documents. There is a phone number to call in the text but it goes straight to voicemail. Again, very odd service and workflow. Everyone is very nice but the operations are so erratic that I'm still very concerned this company is handling documents with all of my personal information. Would just like this to be over and done - either refund and end relationship or process loan and complete transaction.
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (FL)

Just over one year ago I opened a business account with Mainstreet Community Bank. As of XX/XX/2020, my account was closed. 

I spoke with an agent via phone, and they told me that a letter was sent out to notify me of account closure, however I did not receive it. 

I made consistent payments on this account until I was drastically effected by COVID19. So I made the efforts of notifying Mainstreet and joining their program. I explained that I had lost over 50 % of XXXX XXXX  income. 

I was not notified as to when the program would end, so I maintained monthly contact with the company via phone. 

As you will see on my attached document of payment history, I have made every effort of getting back in good standing with this company including paying the overdue balance. 

I was not aware my account was closed until after I made the last payment and noticed that I still did not have access to funds. 

As a young XXXX, there is a lot I do not know about the process of credit. In this case, it costed me because I genuinely did not know that my account would be closed even if I was keeping constant contact with the company. I have never been in a situation like this. 

Further, I want to continue to groom the relationship I have started with Mainstreet Community Bank. They took a chance on me and I do not take that lightly.
Consumer complaint received 2020-10-30
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. (MA)

My third request in attempt to obtain verification from the credit card co. about a consumer debt I'am disputing.. Certified letters were forwarded. As of to date, more than 30 days later, I have not received any correspondences from the credit card company..