davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (MA)

I have a mortgage with Freedom Mortgage, who recently purchased the mortgage from the original holder, XXXXXXXX XXXX XXXX. I have held the mortgage for 4 years. 

On XX/XX/XXXX, I contacted Freedom Mortgage 's Customer Service number, wanting to drop the escrow account from which my local taxes are paid. The first agent I spoke to was XXXX, agent # XXXX. She told me I had to request dropping the escrow, and I responded that I was now making such a request. She apparently did not understand my request, and seemed confused. I believe that she was an off-shore agent ( her local time was XXXX when my local time was XXXX ). 

I then called a different Freedom Mortgage number and reached XXXX, agent XXXX, who transferred me to XXXX, agent XXXX. XXXX told me that I could make the escrow request through the easy-to-use web site. I had previously looked for this without success and asked XXXX to lead me through the process. After being repeatedly put on hold, XXXX was unable to help. She claimed that the web site must have been recently changed, and the web pages that I was seeing were different from those that she saw. After 45 minutes, she ended the call. 

I still can not make the online request to end the escrow. It appears to me that Freedom Mortgage is intentionally making the process incredibly difficult. If a request can be made online, Freedom Mortgage has hidden it well. And I can not help but wonder if the repeated, lengthy telephone holds are intended to dissuade people from continuing. 

I have held several mortgages over the years with many different mortgage servicing companies. I have never, ever, dealt with any company as difficult to deal with as Freedom Mortgage.
Consumer complaint received 2024-10-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Management Services, LP (FL)

I received a letter regarding a debt claimed to be owed by me from Capital Management Services a debt collection company used by XXXX XXXX. 

Upon asking for verification not only did they not send me my information, but the company also violated the Fair Debt Collection Practice Act by providing me someone else 's full information including sensitive data such as social security numbers, driver 's license numbers and more. 

I did reach out and formally complain with the company, I was told they will launch an internal investigation, and they advised me to destroy the documents I received, and they would let me know If my information was sent out to someone else.
Consumer complaint received 2018-10-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IL)

I have a Home equity line of credit with PNC Bank. The minimum payment increased 30 % from XXXX to XXXX. The current balance is {$22000.00}. The new minimum payment is {$450.00}. There are 86 months left on the repayment. If I would make the required minimum payment, the loan would pay off in 55 months. I typically pay more than the minimum but i should have the payment flexibility agreed to in the original note. 

PNC could not give me an adequate reason why I am not afforded the entire repayment term
Consumer complaint received 2024-05-15
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. (GA)

This account was charged off on the following date ( XX/XX/year> / XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this following account. 

XXXX - Acct # : XXXX
Consumer complaint received 2019-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (NJ)

RECEIVABLES PERFORMANCE : Highest Balance {$310.00} You've paid off 100 % of your collection amount. 
XX/XX/2018 ( 8 mos ) Creditor Information RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX XXXX, WA XXXX
Consumer complaint received 2023-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (TX)

I had an open balance with XXXX XXXX XXXX XXXX. I thought the amount was too high so I wanted to read through my insurance policy and check the math on the amount owed. Unfortunately, the debt slipped my mind and became long overdue. Frost-Arnett sent me a letter and I was reminded of it. I paid {$400.00}, the total amount due, directly to XXXX XXXX XXXX XXXX on XX/XX/XXXX. The letters and phone calls from Frost-Arnett are still continuing. I have explained on four separate calls that the debt was paid directly to XXXX. After the third call around XX/XX/XXXX from Frost-Arnett I called XXXX and was told my outstanding balance was cleared months ago and owed XXXX. They did state that they or Frost-Arnett were having technical issues communicating with each other but it had be resolved. 

I would highly recommend that if anyone were to receive a call from Frost-Arnett that they not pay anything until after confirming with the party the debt originated from the amount owed is correct. Frost-Arnett 's competency, from my experience, is subpar and relying on them appears to be risky.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2024, I requested Transunion to remove the accounts in the attached dispute letter. In response on XX/XX/2024, Transunion stated that I didn't provide sufficient information such as a driver 's license, residence verification, and a social security card. This is not true. All information was provided with the dispute letter.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (TX)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX Late Payment : XXXX MTG XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX AUTO  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX AUTO XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX AUTO XXXX  XX/XX/XXXX XXXX XXXX EMPLOYEES XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Personal Information : Also Known XXXX XXXX XXXX XXXX Also Known XXXX XXXX XXXX XXXX Also Known As XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Previous Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, Employers : XXXX Previous Address ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (IL)

I received notice that the amount originally reported by Cavalry Portfolio Services ( a debt collector ) for a debt that was closed by the original creditor in XXXX, has now increased. The balance on the account was originally {$1800.00}. It now shows a balance of {$1800.00}. 

The violation at this point is : this matter has already moved through a court and received a judgement ruling for the {$1800.00}. The court ordered amount has paid in full and including all court costs as of XX/XX/XXXX. 

I submitted a letter to their attorney requesting that they cease further reporting when I first noticed that they were changing the amount reported to my credit reports. Since then, the amount has continued to increase. 

This is not a credit account but a collection account that was purchased for value which has been adjudicated and completely paid for more than 5 months.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX is reporting to the credit agency Experian that I have a charge off account with them. It was ruled in a civil court ( XXXX XXXX XXXX XXXX XXXX XXXX ) that this account was open fraudulently and is of no responsibility to me. XXXX and XXXX are not reporting this charge off account on my profile but Experian is and that is in violation of the Fair Credit Reporting Act to provide maximum accuracy within the accounts.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Dear Equifax, I have received a copy of my consumer credit profile report. I am writing in regards to dispute the misleading information that's appearing on my Equifax consumer credit profile report.The following inquiries are unauthorized, and I ask that they be removed immediately. 


Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX IA XXXX XXXX XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be removed immediately from my consumer credit profile report. Please remove any information that the creditor can not verify. I understand that under FCRA 611 ( 15 U.S.C. 1681I and 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.Thank you for your time and help in this matter.
Consumer complaint received 2024-09-09
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. (TX)

I am the author of this complaint and I checked my credit report and noticed some student loan accounts that I did not open. These accounts are fraudulent and have been reporting on my credit report. I have filed an identity theft report and attached it below. I am asking that the credit bureaus remove these accounts from my credit report 15 USC 1681a
Consumer complaint received 2024-05-15
Product: Credit reporting 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 HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE ENGELHARDT. V GRAVENS ( MO ) 281 SW715, 719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was checking my credit and I saw collection account in my credit report that I don't recognize. I have been victim of identity theft and some one who has my personal information tried to open credit cards and so on. 
XXXX XXXX XXXX XX/XX/XXXX reported to my report collection account I called them I asked them to provide me a contract with my signature and they couldn't provide and I asked them to remove that collection from my account. they couldn't resolve my issue and I am submitting claim thru here. And some inquiries that I am not authorize that its shoes on my credit report XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX bank XXXX XX/XX/XXXX. 

And one more thing according to 15 USC 1681s-2A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Check the attachment bellow
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (CA)

I have approved for burrowers defense case. I have been approved to have all my loans discharged. ED FINANCIAL SERVICES sent me a letter XX/XX/2023. Verifying all my student loans have been discharged. In the letter they indicated they need 60-90 days to delete ALL STUDENT LOANS FROM ALL XXXX CREDIT BUREAUS. I HAVE MULTIPLE DIRECT DISPUTES WITH THEM YET THEY ARE REFUSING TO FOLLOW THE LAW. I NEED THE TOTAL OF {$14.00} DELETED FROM ALL XXXX CREDIT REPORTS. XXXX LOANS NEED TO BE DELETED FROM MY CREDIT FILES.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX opened : XXXX XXXX XXXX amount : {$1100.00}. 
I tried many times to call this company, they did not respond.
Consumer complaint received 2024-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

those hard inquiries are fraudulent and I don't recognize : From XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX OF XXXX Inquiry date XX/XX/XXXX Transunion XXXX XXXX ( Auto ) XX/XX/XXXXXXXX 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 2023-04-27
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. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; ( Original Creditor : XXXX  ) XXXX Balance : {$1100.00}.
Consumer complaint received 2023-10-18
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC (AZ)

I fell behind my mortgage because Ive had reduction of income, my company has not been giving me bonuses. Im a XXXX XXXX XXXX XXXX  The only income I have is my job. I am currently due for part of XXXX ( I made a {$500.00} ) and XXXX and XXXX since today is XX/XX/XXXX. I was first of all on hold for over an hour and I wanted to pay the difference of one payment to cover XXXX payment of {$820.00}. So I can be only pay due for XXXX and XXXX. The agent refused to take my payment started I had to pay an additional {$1000.00} that I dont have. Im planning to make another payment on Friday to cover XXXX. Ive been working 12 hours a day to make that happened. The agent refused to do so. Im scared of going into foreclosure. I feel because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  being discriminated. Im trying to pay everything I have so a full contractual payment can post towards XXXX instead of now showing that Im due for 3 months. It doesnt make sense.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Some one had been using my personal information, first name, last name, social security number, to have credit cards, mail, and other services mailed to addresses that I have never resided, and I have no association with, theses addresses are, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, I went to my local police department on XXXX XXXX and they instructed me to file a ftc report because my information has been compromised. I have been reaching out by phone to all three major consumer agencies to try to resolve this matter with little to no luck. I need help with this matter as it is getting out of control. I need my correct information reporting to my credit profiles so I will no longe the a victim of fraud.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (LA)

I made a hotel reservation through XXXX for XXXX XXXX and paid {$210.00} for the room in advance. On the XXXX at XXXX while I was asleep and in a hotel, someone made a reservation on my card. I was already in a hotel and did not need a room. I called XXXX and asked them and they had no record of me calling them. But the charge was on my card. Chime took not even XXXX to deny my claim. When I asked for proof of investigation, they sent me an email with the words XXXX and some numbers. Thats it. I did a rebuttal and each time they are supposed to deposit my provisional credit, they hurry and deny with no proof of why.
Consumer complaint received 2024-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am currently trying to buy a house and I realized I had damages on my credit report According to 15 U.S.C 1681 Law there should not be any damages on my current credit report, this is a defamation to my character
Consumer complaint received 2024-08-29
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 withthose creditors 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 those account 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