davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

I am writing to file a complaint regarding a recent dispute decision. I disagree While the decision stated that the dispute was resolved, I am concerned about the lack of transparency regarding the investigation. I am requesting a detailed description of method of verification. I'm seeking clarification on the steps taken, the sources consulted, and the criteria used to validate the accuracy of the information in question. Your prompt attention to this matter would be greatly appreciated.
Consumer complaint received 2024-04-19
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. (TX)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-04-19
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. (OH)

I hope this letter finds you well. I am writing to you with regards to the recent credit inquiries listed on my credit report. After reviewing my credit report, I have noticed that there are some inquiries that I did not authorize nor recognize. I am formally requesting the removal of the following inquiries from my credit report : Inquiry from XXXX dated XX/XX/2023 Inquiry from XXXX dated XX/XX/2023 Inquiry from XXXX XXXX dated XX/XX/2023 These inquiries do not reflect any credit applications or actions that I have taken, and therefore, they are incorrect and unjustified. I have not authorized any institutions listed above to access my credit information during the mentioned dates. 

I understand the importance of accurate credit reporting and the impact it has on my financial well-being. These erroneous inquiries could potentially harm my XXXX XXXX and affect my ability to obtain credit in the future. Thus, I kindly request that you promptly investigate these inquiries and remove them from my credit report. 

Enclosed with this letter are copies of my credit report highlighting the aforementioned inquiries for your reference. Additionally, I have included copies of my identification documents to verify my identity and facilitate the investigation process. 

I appreciate your prompt attention to this matter and request that you inform me of the outcome of your investigation once it is completed. Please provide me with written confirmation once the unauthorized inquiries have been removed from my credit report. 

Thank you for your cooperation and understanding in resolving this matter promptly. Should you require any further information or clarification, please do not hesitate to contact me at the provided contact information.
Consumer complaint received 2018-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (IL)

*I purchased my home XX/XX/XXXX. 
*I re-financed my home XX/XX/XXXX with XXXX XXXX XXXX . 
*XX/XX/XXXX, I agreed to a loan modification agreement with XXXX XXXX XXXX . 
*I was told my loan will end XX/XX/XXXX. 
*I requested an amortization schedule from my loan company, Mr. Cooper XXXX 
*First request, payments were extended beyond XX/XX/XXXX. 
*I requested an explanation and a new amortization schedule since I borrowed money to pay down the principal. Request was denied.

*Mr. Cooper led me to believe they were going to assist me with a new loan modification due to an increase of payments because of higher interest rates, medical and employment issues.

*Mr. Cooper instead ran my credit and denied me any assistance causing an undue burden on me. They stated they were trying to see if I could re-finance, when I didn't ask for a refinance due to my employment issues. They were fraudulent and misleading and as a result, my credit score was lowered. 
*I think my loan is predatory because it would take 40 plus years to pay it off and I never missed a payment. 
*I would like a loan modification that is fixed and not appear as if it has a negative amortization. 
*The language in my agreement is ambiguous, misleading, and the numbers are misrepresented and contradictory.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (FL)

There is no Signed Legal contract between myself and the original company nor the debt collector who is attempting to collect a debt that is not owed to either company. I have requested said documents and it has not been provided So therfore this should be removed from my credit report immediately.
Consumer complaint received 2024-01-15
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: SELECT PORTFOLIO SERVICING, INC. (IL)

Date XX/XX/XXXX Dear, Consumer Financial Protection Bureau ( CFPB ), I hope this message finds you well. I am writing to bring to your attention some discrepancies in my mortgage account with Select Portfolio Servicing ( SPS ) that have arisen following my participation in the Illinois Homeowner Assistance Fund program. 
Upon approval for assistance from the Illinois Homeowner Assistance Fund, I was approved for {$60000.00} on XX/XX/XXXX, with the understanding that this amount would be used to bring my mortgage account current and prevent foreclosure. The Illinois Homeowner Assistance Fund advised me to obtain a letter from SPS stating the full amount required, and according to their guidance, I needed {$57000.00} to prevent the foreclosure sale scheduled for XXXX XXXX XXXX 

After the Illinois Homeowner Assistance Fund paid SPS, my account still displayed a negative balance of {$1800.00}. SPS explained that this discrepancy was due to omitted attorney 's fees from XXXX  despite my payment of over {$17000.00} to resolve the XXXX foreclosure. In my XX/XX/XXXX, mortgage statement, attorney 's fees had risen to {$3200.00}, identified as foreclosure fees from XXXX. I promptly disputed this charge, and despite waiting for 60 days, I am dissatisfied with SPS 's explanation. 
I am requesting a full mortgage loan investigation to address the discrepancies in my account. It is concerning that SPS retroactively added fees that I had already paid, leading to a negative balance. This has created a lack of trust, and I fear that fraudulent charges may persist. 

I disagree with SPS 's explanation of additional fees being added to my account and would appreciate your urgent attention to this matter. If hiring an attorney is necessary to uncover the truth, please advise accordingly. My primary goal is to have the {$3200.00} removed from my account and to prevent the addition of charges that do not legitimately exist.

I believe it is crucial for SPS to honor the agreement made with the Illinois Homeowner Assistance Fund, wherein my account was expected to return to regular monthly payments after the payment of {$57000.00}. 

Thank you for your time and attention to this matter. I look forward to hearing from you soon to resolve these issues and restore the integrity of my mortgage account. 

Sincerely, Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX
Consumer complaint received 2024-01-15
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: TRUIST FINANCIAL CORPORATION (VA)

Subject : Urgent Concerns Regarding Account Notifications and Customer Service Experience I am writing to express my dissatisfaction with the recent experiences I have had with Truist Bank, which has prompted me to bring some concerns to your attention. 

Firstly, I have been receiving multiple messages and emails from Truist regarding delinquent payments that, upon thorough verification, appear to be inaccurate. My bank, XXXX, has consistently made on-time payments as per our agreed-upon schedule. 

Secondly, the staffing levels at Truist 's customer service department seem inadequate, leading to prolonged wait times for assistance. On several occasions, I have had to endure hours of waiting to reach a customer service representative, which is highly inconvenient. 

I have a XXXX loan with Truist that I established in XXXX, with automatic payments facilitated through XXXX. Unfortunately, I have twice been falsely accused of late payments, resulting in threats of fines. Despite investing considerable time on the phone to resolve these issues, the problems persist. 

As of today, XX/XX/XXXX, I have received multiple emails and text messages indicating a default on my mortgage payment, despite my bank 's confirming that the automatic payment was issued to Truist over XXXX weeks ago. My attempts to reconcile this matter with Truist 's customer service have been met with extended wait times and, in XXXX instance, an agent hanging up on me. 

Moreover, I am troubled by the inconsistency in Truist 's notifications, receiving numerous messages about default notices. I am requesting a modification to receive only XXXX email and XXXX text message regarding my account status. 

In addition to seeking resolution for these issues, I believe compensation is warranted for the significant time lost during my waits for a Truist agent. A reasonable waiting time is typically XXXX minutes, but my cumulative wait time has exceeded XXXX hours. Given my hourly income of {$250.00}, I request compensation of {$500.00} for the time lost. 

I appreciate your prompt attention to these matters and hope for a swift resolution to ensure a more satisfactory customer experience. 

Thank you.
Consumer complaint received 2024-04-19
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 a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (TX)

I closed on my primary home located in XXXX XXXX XXXX XXXX, XXXX TX XXXX. My original lender is ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) located on XXXX XXXX XXXX XXXX, XXXX, TX XXXX. On XX/XX/XXXX I recievd a notice stating : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX RE : NOTICE OF SERVICING TRANSFER The servicing of your mortgage loan is being transferred, effective XX/XX/2023. This means after this date, a new servicer will be collecting your mortgage loan payments from you. Nothing else about your mortgage loan will change. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX is now collecting your payments. XXXXXXXX XXXX XXXX XXXX XXXXXXXX will stop accepting payments received from you after XX/XX/2023. 
XXXX XXXX XXXX  will collect your mortgage payment going forward. Your new servicer will start accepting payments received from you on XX/XX/2023. Please be advised that any optional insurance or ACH drafting will be cancelled as of the transfer date. You may contact XXXXXXXX XXXX XXXX to set up new payment drafts. Please notify any third-party payment agencies or government allotment service of the change in servicer. 
Send all payments due on or after XX/XX/2023 to XXXX XXXX XXXXXXXX at this address :. 

I Contacted XXXX XXXX services to mail my payment and I was informed that they can't find my file in their system so they will not be able to process any payment. 

XX/XX/XXXX I got a call from a company called BSI Financial Services saying my loan payment is 30days past due, prior to XX/XX/XXXX I didn't get any bill statement from these company or knew they existed. I told the customer service rep I didn't get any letter of acknowledgment from their company and she informed me that they sent the letter to my old address and she informed me that they wouldn't report late payment on my credit report since new account has 60days grace period, it turns out that she lied as my credit just got affected drastically due to them reporting late payment on my report about payment I never received a statement for or knew existed with their company. Company like this take advantage of customers and they need to be brought to compliance. I have attached the letter I got from my first lender and the letter from BSI showing they sent the welcome letter to the wrong address and didn't make any attempt to contact me by phone or anything.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$370.00}.
Consumer complaint received 2023-05-02
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. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-11-28
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. (TX)

FCRA violations : inquires not mine 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 FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} Status Closed. {$7400.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Collection account. {$1600.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} XXXX XXXX account. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$8600.00} Status Account charged off. {$8600.00} written off. {$8600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1800.00} Status Account charged off. {$1.00} FCRA violations : payments never late XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXXXXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Consumer complaint received 2023-10-20
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. (DC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-19
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 lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-01-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

I hope this message finds you well. I am writing to dispute a charge related to XXXX 's XXXX XXXX service. 
Between XX/XX/XXXX and XXXX : I contacted XXXX customer service through a phone call to clarify the billing cycle for the XXXX XXXX, specifically asking if it starts on the payment date or the date I commence my stay. The XXXX agent assured me that the billing cycle commences on the date I start to stay. Based on this information, I made a reservation on XXXX for a unit starting on XX/XX/XXXX. 
XXXX : Based on the information above, I made a reservation on XXXX for a unit starting on XX/XX/XXXX. 
XX/XX/XXXX : During the stay, I received an email indicating that the next billing cycle would be on XXXX. When I requested a change to the upcoming billing date to XX/XX/XXXX, XXXX refused, citing potential complications in their billing process. 
As a result of this misinformation, I made a reservation for a unit on XXXX, planning to stay from XX/XX/XXXX to XX/XX/XXXX. However, XXXX charged me the second month membership fee ( XXXX ) of {$850.00} instead of covering the stay under the first month membership, as I was initially led to believe. 
I have attached a screenshot of my conversation with XXXX, outlining the issue. Although I don't possess a recording of the call where the misinformation was provided, I have requested XXXX to review their records. 
XX/XX/XXXX : Despite XXXX weeks passing, there had been no update on my request to review the call. Given the lack of resolution and the considerable delay, I have disputed these charges through my credit card company. 
XX/XX/XXXX : I discovered that my account had been XXXX by XXXX in response to my dispute of a charge. Due to the disabling of our account, I have lost the membership benefits we paid for. This action was taken without any prior notice. 
XXXX : I discovered that my credit card company, Chase, considered the disputed charge valid. Despite explaining the misinformation from XXXX and requesting their records for review, Chase closed the dispute without further investigation. I find this decision unfair and believe it contradicts standard dispute resolution practices.