davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 88 times in the last 120 days. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this
Consumer complaint received 2024-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (NY)

I received my XX/XX/year> mortgage statement from Selene today. According to Selene Finance, I am in arrears and owe {$4200.00}, this is a false statement. 
I was told to follow up with you XXXX XXXX from Selene Finance, regarding my mortgage payments that are not being credited to my account promptly. All mortgage payments are being submitted through electronic funds transfer from XXXX XXXX to Selene Finance LP on the first of the month or closely dated. These payments are Peer to Peer payments. And every month this years XXXX  payments are either not received or the check is cashed very late ( over a month ). I incur late fees and bad credit. 
Peer-to-peer bank payments are not being recorded at Selene Finance LP and I am being penalized further, I DO NOT WANT SELENE FINANCE LP withdrawing money out of my bank account through XXXX. That option is not available to me because Selene Finance states, I am in arrears with my payments, that option is for people with good-standing credit. 
I have contacted Selene Finance LP who promptly stated I am on a recorded line with XXXX XXXX XXXX  ( also on a recorded line ). Each bank has confirmed the following : 1. Selene received the payments and they held onto it for two months without notifying me 2. Selene Finance LP reported my payments as late to the credit bureaus 3. Selene Finance LP has only returned ONE LATE FEE of {$190.00} to me when actually owe for every month that has been reported late, and additional fees have been applied to my account 4. As of todays writing, my mortgage payment has not been applied. It was made on XX/XX/year>XXXX  has NOT been credited to XXXX payment, my XX/XX/year>XXXX  statement ( attached ) says I owe {$4200.00} including late {$150.00} for this months late fees. 
5. I made a mortgage payment directly to Selene Finance LP on XX/XX/year> for XX/XX/year>XXXX  and Selene Finance LP says that the payment received will be applied to XXXX and Selene they will report me late for XXXX ( already reported as late ). The process continues every month. XXXX XXXX says they mailed Selene Finance the check on XX/XX/year>. Selenes response from the person on the recorded line was that I must mail the check earlier because it takes up to four weeks for a check to cash, why is that? 
Please investigate and return the late fees charged to my mortgage account. 
Selene should get an online system that can make payments using XXXX XXXX. If Selene can not allow me to make payments with XXXX then allow me to make payments through XXXX from my bank that are cashed expeditiously. 
Peer-to-peer payments are being held by Selene Finance LP and penalizing the consumer. I will contact the Consumer Financial Protection Bureau and XXXX XXXX XXXX officials. 
Its about time Selene Finance fixes its internet and postal service issues and stop penalizing customers for their own failure.
Consumer complaint received 2024-08-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I got my car from credit acceptance and the interest rate is ridiculous which is making it extremely hard to pay the car note down. The contract started on XX/XX/XXXX and the car note is {$520.00} for a XXXX XXXX XXXX with the original amount of {$34000.00}. Til this day XX/XX/XXXX I still owe {$13000.00}. The payout is {$10000.00} and the car isnt worth the amount. Interest rate of 22.9 %.
Consumer complaint received 2023-06-18
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: Experian Information Solutions Inc. (CA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX Reported : XXXX XXXXXXXX XXXX XXXXXXXX {$1900.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

My account with ( CREDITOR NAME ) 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 ( MONTHS REPORTING LATE ) 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 XXXX  days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 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 2024-08-21
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: DHI Mortgage Company (OH)

Despite my multiple attempts to dispute these items I am writing to request the removal of unauthorized credit inquiries listed on my credit report with [ XXXX ]. Upon reviewing my latest credit report, I noticed [ number of hard inquiries ] credit inquiries that I did not authorize. I request that these inquiries be removed from my credit report immediately, as they were not initiated or authorized by me. Attached, you will find a copy of my credit report highlighting the disputed inquiries I appreciate your assistance in resolving this issue promptly.
Consumer complaint received 2023-08-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (VA)

On XX/XX/2023 I received a phone call and subsequent voice message from Credit Control Corporation in an attempt to collect a debt. Given that they are a local company that I have had issues with in the past ( see complaint ID XXXX ), I know from my personal knowledge and experience that this company specializes in collecting medical debt. At the present time, the only balance that may be owed to a healthcare organization is for a bill in the amount of {$4800.00} that may be owed to XXXX XXXX XXXX ( XXXX ). This debt is only supposed because it is presently being reviewed for financial assistance by XXXX. Attached is the current communication from XXXX regarding this matter and it clearly shows that the application is in " Pending '' status and that the last correspondence was on XX/XX/2023 ( See Attachment # XXXX ). That correspondence ( See Attachment # 2 ) is requesting bank statements from the past three months, which is only necessary because the system owned by XXXX does not allow such a sizeable upload, but I did upload the first several pages that showed balances, and from that they were able to verify the information ( See Attachment # 3 and # 4 ) yet will not allow my application to move forward. It does not make logical sense that XXXX would sell a debt to Credit Control Corporation that is still in a pending state, and whose final amount due has not been decided as of this date. Furthermore, no communication was given to me by XXXX that it would be sent to a debt collector ( See Attachments # 5 and # 6 ) and no outreach was done by XXXX to establish a payment plan. Therefore I must conclude that XXXX sold an invalid debt to Credit Control Corporation possibly to avoid their fiduciary responsibilities as a non-profit organization with a revenue of {$50.00} XXXX. Credit Control Corporation assisted XXXX in their effort by attempting to collect a debt that was invalid, was not settled with regard to final amount due, and that was not owned by Credit Control Corporation at the time the aforementioned phone call was made.
Consumer complaint received 2024-08-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (NC)

I submitted an application for XXXX assistance on XX/XX/year>. I was trying to get some help because I had a foreclosure sale date approaching and it was XX/XX/year>. I was assigned XXXX XXXX who was requesting more information for a bank account that was opened XXXX. I had submitted all statements for that account and she requested XXXX  more for me to supply her a statement for XXXX. I also submitted a letter that was sent to me when the account was opened. XXXX during out phone call on the XXXX of XXXX realized she had been misreading the letter and thought the letter said the account was closed on XX/XX/XXXX instead of opened. She the let me know that my house sale date was today and the house has been sold in auction. Due to her mishandling negligence by misreading my paperwork she wasted time and the decision still has not been formaly made. Its now too late because the home has been sold in auction. I spoke with her supervisor who then stated he would look in to things and he verbally told me I would be denied. If the decision was a denial, why did they continue to stall me by asking for bank statements that I could not possibly provide. I believe the nonchalant attitude and misreading important documents is very careless and damaging.
Consumer complaint received 2024-08-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (TX)

I used Affirm to purchase dresses on XXXX. When XXXX wouldn't let me return the items, I opened a dispute with Affirm, who sided with the merchant. A few weeks later, XXXX agreed to refund me. I sent the items back and received a {$70.00} refund from XXXX on XX/XX/XXXX. It is now XX/XX/XXXX and Affirm continually claims they have not received the refund. XXXX has offered proof of the refund which I emailed to Affirm ( XXXX XXXX XXXX ) as well as submitted via the online help center numerous times. Affirm customer service also has " escalated '' my concerns 3 separate times and told me to expect a reply within 3-5 business days, which has not happened. I keep getting told by Affirm that the refund hasn't come through and to contact XXXX. When I contact XXXX they send proof that the refund processed on XX/XX/XXXX and tell me to contact Affirm. It has been 9 weeks of this runaround. Additionally, when I contact Affirm they refer to the earlier dispute that was resolved instead of addressing the current refund issue. Complete frustration all around.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

To Whom it May Concern, I received the attached letter from 5/3 stating my account was overdrawn {$160.00} and counting. I have not used this account in months and left a nominal amount ( believe around {$1.00} or {$2.00} in it ) and now all of a sudden I am overdrawn {$160.00}. I have no access to online banking, I have tried to regain access and it does not allow me to login. Password reset or other attempts are failed even after I provide the required information.

5/3 Terminated my online access and failed to mail me statements for me to even see what is going on with my acccount. Reg E requires periodic statements, especially when there are transactions and/or fees. 5/3 never sent that, but sent me a letter stating I owe {$160.00}.

I dispute that amount owed and any amount of the fees. I am requesting 5/3 advise me what caused the account to go overdrawn, if the charge is valid, then I am requesting 5/3 to honor the charge ( which apparently they have already done ) reverse out the fees because I had no ability to access my account to rectify the situation and I will set up a transfer to pay. Otherwise if I don't recognize charge, I would like to dispute it. I would also like to obtain account access again.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DigniFi (RI)

Please be advised that this is my SECOND REQUEST asking you to remove the unverified account listed below that remain on my credit report in violation of the 15 U.S.C 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that the item is being reported correctly. What this mean is that your company must be willing and able to produce a document in your files that proves the account in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury. You have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed account which means that you are NOT verified or you can not verify my account and under section 611 ( 5 ) ( A ) of the FRCA- you are required to promptly delete all information which can not be verified.
Consumer complaint received 2024-10-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (GA)

I called to see if they can lower my payments based off of my income and the representative told me that all they can do is lower it to XXXX. I told her but I cant afford that. I was told nothing can be done. My credit was affected for XXXX  months. I did call back and got someone else and she told me that things were not correctly and your income was not submitted in a calculator they use. I was able to get my payments down but now I have that on my credit when I tried to figure out options to help me pay the loan down.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sensible Auto Lending, LLC (VA)

In accordance with the fair credit reporting act XXXX account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the rights to policy. 

15 U.S.C 1681 604 A States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-10-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (FL)

On XX/XX/year>, I reached out to Navient to apply for the School Misconduct Application regarding the private loans that were taken out to pay for XXXXXXXX XXXX. All loans in association with that college have been discharged through XXXX vs. XXXX rulings that several schools were identified for misconduct. I emailed and received blanket responses why my private loans did not quality, and that the XXXX XXXX doesn't qualify in this instance. This information is misleading, incorrect, and I was denied the opportunity to apply for relief to take back the funds used by a deceiving university. After reading my promissory notes, I replied to Navient on XX/XX/year>, to discuss my findings and that I did have the right to apply for this discharge. I was provided a response which stated I didn't qualify with no ability to apply for the misconduct discharge - even though my non-private loans were discharged. Navient is fighting tooth and nail not to be held accountable for funding predatory schools although the proof is in writing and through their contradictory efforts to gaslight borrowers.
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DSR HOLDINGS GROUP, LLC (MO)

Beginning in XXXX XXXX XXXX my family, my brother and father, started receiving calls from DSR XXXX about debt that I supposedly owe. The company never contacted me personally about this debt at all. They have left multiple messages on their phones and spoken with my family but have never called my phone or sent me any mail about a debt owed. My phone number has not changed in 20 years.
Consumer complaint received 2024-08-08
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. (CA)

By law 15 U.S. Code 1681a late payments shouldn't be on my consumer report. Why is XXXX, XXXX, experian reporting late payments on my credit report? 

XXXX XXXX XXXX XXXX ( A ) ( i ) - the term " consumer report '' does not include report containing information solely as a transactions or experiences between the consumer and the person making the report. 

the law doesn't say anything about late payments should be reported on a consumer report. I would like to have all my late payments reverse and change as " paid as agreed '' or " OK '' immediately.