davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-19
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. (NC)

Dear CFBP I am filing a complaint against TransUnion for failing to delete inaccurate information reported by XXXX XXXX account # XXXX. I wrote a very detailed dispute letter and provided full credit reports to display clearly the errors that were detailed in my writing. I received notification the dispute was complete, so I pulled my report on today to see the results. Unfortunately, they simply ignored the questions posed in my letter and did not provide documentation substantiating their position. In fact the status update date confirms that no investigation took place as it still shows XX/XX/2018. As a result, I am requesting that you require them to fulfill their obligations under the Fair Credit Reporting Act and remove these two accounts from my Transunion report. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-09-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (TX)

Goodleap charged 35.74 % of dealer fee that I did not know when I signed the contract. I called Goodleap to negotiate lower the dealer fee. Goodleap refused to negotiate it.
Consumer complaint received 2023-05-31
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. (GA)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2019-07-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Back in XXXX, we purchased our home. bought it for XXXX was scheduled to be paid of in XXXX XXXX but to our surprise it is not. Bank of America is saying we still owe XXXX. Back in XXXX we ran into a problem with Nations Bank, we were 2 payments of XXXX, they sent our check back and said we were going to forclose on your loan. Tried to reason with them but to no avail. Contacted HUD to save our home. It took 10 months for a appointment for HUD to assign our mortgage. We meet with a gentlemen from HUD, in XXXX at the HUD office. At the beginning of the meeting we handed him a check for about {$12000.00}. Because we were told to still put your payments away, by the person on the phone that was taking our appointment. He said he did not want it, that he was recommending a Forbearance Agreement which means that you will make up the payments during the course of your loan. We were a little confused about it but at this point we were desperate for help. So we put the money into some remolding that needed to be done. To make a long story short, Bank of America offered a loan modification in XXXX to try to save our home. Only to be shot down on their decision, on a short sale of our home. They offered several ways they could help, and they picked a short sale, they said due to the Trustee and Guarantor did not approve a modification, because a affordable payment can not be created without changing the terms of your loan? We were just fine with our payments and told my case manager that. Refusing to budge, not even taking my payments, per my case manager, she said her hands are tied. Given no other option. No answers as to why this is owed. Been since XX/XX/XXXX, trying to get records of my payment history, ect. They are stonewalling me for the answers. Need help, but no help as of yet. the amount owed is about 1/3 of our original loan? Why? Have not refinanced or entered in a Loan modification at all, only up until XXXX of this year to try to save our home. This is very disheartning to realize after thirty years you could loose your home. If you need any documents to help with my complaint, there is a lot. I will fax to you at the time of request.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

All three bureaus are INCORRECTLY reporting me as being late with my XXXX XXXX XXXX XXXX account ( XXXX ). 

Each of these bureaus are reporting me as being late or delinquent and I have never been late or delinquent. I have proof directly from the creditor which is attached. This just goes to show you that all 3 bureaus are reporting false information to simply damage someone's credit. 

I need this account to be updated with all 3 bureaus immediately and a brand new credit report to be sent to me for confirmation. 

This is getting ridiculous the way they violate the law. ATTACHMENT SHOWS THAT THE CREDITOR FIXED THIS BUT THE BUREAUS ARE NOT FIXING IT.
Consumer complaint received 2024-09-04
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)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2019-07-18
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. (MD)

XX/XX/XXXX XXXX XXXX  report both me and my wife delinquent for the month of XXXX. I reached out to them and asked that they issue a retraction to all 30 major credit reporting agencies. 

On XX/XX/XXXX I received an email from Experian stating that they have completed their investigation and sided with XXXX based on their recommendation not to change the status.. I tried to explain that the month of XXXX isn't completed and that they can not stated that I am 30 days delinquent. I was then told that there's nothing more I can do. 

XXXX is a subsidiary of XXXX XXXX. They have been previously sued for this same thing/ Misdated demand letters.
Consumer complaint received 2024-09-04
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. (FL)

This evening, I was stunned to discover incorrect accounts on my credit report, and Im completely baffled as to why. I check my report regularly, but this time, there were discrepancies that appeared out of nowhere. I even tried refreshing my browser to see if it was just a glitch, but the errors persisted. Given this issue, Im asking for a thorough review of the documents Ive provided so that I can have peace of mind once and for all.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

dear Experian this is a self-attestation that I am victim of XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX XXXX. These fraudulent accounts consist of 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 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MA)

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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

For the past two months, I have tried to reach out to your company regarding these items that I want removed/deleted off my report and so far, nothing is being done. I am filled with so much stress in life already and these inaccuracies are adding up to that- worsening my XXXX XXXX.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am writing to inform you that I have been a victim of identity theft, resulting in the unauthorized addition of several fraudulent accounts on my credit report. These accounts were opened without my knowledge or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have already filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. I now request the immediate removal of these fraudulent accounts to ensure the accuracy of my credit report.
Consumer complaint received 2019-07-18
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 having problems with my someone using my identity and causing these negative accounts on my credit. this is very stressful and all I want is my like back please help me revolve this headache for me thank you
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I never did business with any of these companies : RE : 15 USC 1681b Permissible purpose 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.

Under 15 U.S. Code 1681b Permissible Purposes of consumer reports, I never gave these companies Any written consent to report anything on my consumer report. As a consumer, by law these accounts must be deleted immediately or I will seek monetary damages in small claims court in my city and state.
Consumer complaint received 2019-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

My name My Name : XXXX XXXX Address : XXXX XXXX XXXX , XXXX Tx XXXX Loan # : XXXX XXXX Complaint Number XXXX was sent XX/XX/2019 ****** This is complaint # 2- I called in on XX/XX/2019 to make a payment of XXXX which is what i was told to pay during bankruptcy and a representative took my payment over the phone. On XX/XX/2019 I received a message from my bank that XXXX was submitted and returned ( not the XXXX ) And again on XX/XX/2019 they submitted XXXX. This caused my bank to over draft twice. That was an unauthorized / fraud charge. I called them to see what happened and they told me my payments increased and changed due to my escrow. I told them i didn't receive anything in the mail concerning an escrow increase. I called them back when it happened again and they said that the XXXX was my petition payment, again i received nothing in the mail of my payments changing. 
If you read my 1st complaint, they wouldn't run my check through a 2nd time when i was on a mod trail and now they decided to run it twice. Can someone tell me what i can do protect and keep my home with PHH Mortgage Company?
Consumer complaint received 2019-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

On or about XX/XX/2019 I received a late notice from my mortgage company. I checked my bank account and my mortgage payment cleared on XX/XX/XXXX. I called my mortgage company, they had to submit a ticket and it could take up to 10 days for correction. XXXX, the customer service representative said I needed to make my XX/XX/XXXXpayment in XX/XX/XXXXso that my credit report did not show 30-day late payment. I made my XX/XX/XXXXpayment over the phone to XXXX. Five days later, I received my new statement that showed my entire XX/XX/XXXXpayment misapplied to escrow. Nothing to princial or interest and I always include an additional {$100.00} to principle, which was applied to a late fee. I called again, I called again, I called again. Each time a 10-day ticket, no resolution, no payment applied to additional principal, only more late fees. On XX/XX/XXXX, I spoke with XXXX from the XXXX, AZ office she looked at the entire ledger of applied payments and an equally long ledger of unapplied payments and said she would call me on XX/XX/XXXX because she escalated the ticket to a two-day ticket. Today is the XX/XX/XXXXI got another letter in the mail showing another late fee. And I called today to talk to XXXX and she did not take my call. I can not begin to relate the fear and frustration. You hear everyday how consumers lose their homes. I feel like XXXX and Specialized Loan Servicing is XXXX. I cried, I screamed, I begged. XXXX, hung up on me. I have no further recourse but to reach out to an oversight agency. Please help me.
Consumer complaint received 2019-07-21
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)

My identity was stolen and used by an unknown person. I contacted the credit bureaus to place an alert. A police reort was filed and it appeared 3 or 4 accounts had been opened. I had MY ID Card, the company assigned to help me by my employer ( my ID was compromised as a result of a database hack ) We spoke with Experian, sent them the police reports, and they have been playing games with me. One account, XXXX XXXX has not come off. It is destroying me and my chances at employment. Yesterday I called and they told me yet s 3rd, yes 3rd investigation would be done. They are willfully not complying. They can not verify this information from the account because it is not mine yet they do not remove it.
Consumer complaint received 2024-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (RI)

I have 2 complaints about Shellpoint mortgage, loan number XXXX below. 
Several years ago after the market crash of XXXX, the current loan servicer on my mortgage had offered me a payoff of less than my current balance, not because I was paying my mortgage late, but because I was under water equity-wise due to the recent real estate market crash. Because I did not have the equity or means to payoff the mortgage, I did not accept the offer. Fast forward about 15 years, I now had equity and reached out to Shellpoint/NewRes to see if that offer was still available. I started that process with them and they said they would send an inspector out to the house to look at it. They did not say if they wanted to determine the value of the house or just see that it was well kept. What they did not inform me of, nor did I agree to them charging me {$240.00} for this so called inspection. I complained and their responses were short, basically saying they are not dismissing that {$240.00} charge, which was added to the payoff of the loan when I soon after paid it off. I feel I should be refunded that {$240.00} because I was not informed of the charge and never agreed to it.

The next complaint is that I later sold the property on XX/XX/XXXX and am owed {$2300.00} for my escrow overage as well as the overpayment of the mortgage as requested on the payoff statement received from Shellpoint prior to close. They claim a refund check was sent to me on XX/XX/XXXX, which I never received. I estimate that I called Shellpoint 5 or 6 times after that to get the money sent to me. Every time I call I am promised that I'll have the money directly deposited into my bank account within a few days. Once again, I did not receive it today, XX/XX/XXXX as previously promised. They just give me excuses and wonder why the refund was not issued. I called Shellpoint and got the same response as usual, which is they will file an internal complaint and get my money sent right out. I have no confidence that this will happen in a timely manner. According to the CFPB, mortgage companies have 20 days, excluding holidays, Saturdays and Sundays, to return escrow balances and mortgage overpayments to consumers. It is now 60 calendar days that I've been waiting for my refund. I feel I should not only be refunded immediately, I also feel that I should receive reasonable compensation for this extensive delay and Shellpoint should be fined for this and perhaps their people who handle refunds should be retrained or they should hire more competent people in their organization. Thank you for your attention to this matter.
Consumer complaint received 2019-07-19
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. (WA)

In the course of applying for a job, I discovered a collection account on my credit file from XXXX and XXXX on behalf of XXXX XXXX XXXX XXXX for an ER visit to XXXX XXXX XXXX XXXX on XX/XX/17, in the amount of {$1200.00}. This report is fraudulent, as I was not in Nevada at the time and have not used any ER services in over 10 years. I did drive through Nevada on XX/XX/17 and XX/XX/17 and used my credit card to purchase gas and food. But I have not been back since. 

I disputed the information several times in XXXX with both TransUnion and XXXX, and after speaking directly to a representative from XXXX and XXXX who confirmed that the report was fraudulent, filed a police report with the XXXX XXXX police. I also sent a letter to XXXX and XXXX formally disputing the debt. They sent back their records, which confirm that the person who went to the ER that day was not me. 

Despite this, both credit bureaus simply rubber stamped the report as correct, every time. So today I spoke to another XXXX and XXXX representative, who again confirmed that it was fraud, and said he would escalate the issue. I then called back TransUnion, who gave me the runaround and eventually hung up on me. This is an outrage, and may have cost me a job because the credit unions, as well as XXXX and XXXX, failed to do theirs.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

Hello. My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted Experian and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2024-09-03
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. (TX)

On XXXX submitted a direct dispute via certified mail to XXXX XXXX XXXX Experian demanding they remove all inquiries and all fraudulent information from my credit report however XXXX Experian XXXX XXXX did not remove anything in fact they were being bias and keep the information on my credit report after l 've sent in proof of identity proof of residency Now today as of XX/XX/year> they have not removed the inquiries and fraudulent accounts from my credit report in which now I'm filing a federal suit and seeking financial damages and XXXX EXPERIAN XXXX XXXX HAS ALSO VIOLATED CPFB LAWS REGARDING MY IDENTITY THEFT ISSUE IF THESE ACCOUNTS ARE NOT REMOVED ASAP I WILL SUE Im attaching my ftc report with the accounts in question also the address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is my address and have been for over 12 years