davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The loan on a XXXX XXXX was paid off to XXXX XXXX on XX/XX/XXXX. I received a notarized lien release letter on XX/XX/XXXX. On XX/XX/XXXX I received a second notarized lien release letter with the vehicle title. As of XX/XX/XXXX the account remained open so I filed a dispute with XXXX, XXXX, and Transunion to have the account marked as paid off. Their investigations all came back saying that I was 30 days delinquent. My credit scores dropped as much as XXXX points. This is unacceptable and must be corrected. I appreciate your help in that goal.
Consumer complaint received 2024-03-22
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. (FL)

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 2021-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

Navient is not following the XXXX and XXXX administrations ' forbearance of student loans for Covid-19. The current XXXX administration has pause payments until later this fall and Navient is still seeking payments without pausing payments. My credit has been affected from the start of the pandemic with Navient disregarding both administrations ' mandate of pausing payments and reporting negative payment history. The company would put me in these short grace periods and come back stating I need to start paying.
Consumer complaint received 2021-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NV)

Unpaid Property Taxes This is a continuation of Problems with Fay Servicing LLC Reference 2 other filed complaints 1. Breach of Contract CFPB complaint number XXXX 2. XXXX  Flood Insurance CFPB complaint number XXXX Fay Servicing LLC either bought my loan or took over servicing it. Beginning in XX/XX/XXXX. There are 3 parcels included in this loan and has been in effect since XXXX. I will, Identify each with the last 2 digits of the parcel number. 
I have received several delinquent notices from XXXX XXXX Treasurer office, stating that if the past due Taxes are not paid my property will be deeded to XXXX XXXX and sold at tax auction. 3 of the unpaid notices included as attachments. More available The problems started in XX/XX/XXXX with parcel number 17. The problem includes all 3 parcels. 
I have included an Email from the XXXX XXXX Treasurers Office which shows all activity on all 3 parcels broke down by year and quarter. For the tax years of XXXX and XXXX. E-mail 3 pages included as attachment. 
I met with the deputy Treasurer and ask her to print out a parcel information report for each year, for each parcel. 6 parcel reports included as attachments. 
I contacted Fay each time I received a notice to try to have them correct the problem. There was more than enough Escrow Funds to cover these payments. I was under the impression that they collected Escrow Account funds for this purpose. 
I paid the past due taxes in full for the XXXX tax year XX/XX/XXXX and notified Fay to cancel my Escrow Account as they were incapable of handling what was required of them. Fays reply was that I could not do that. 2 Receipts included as attachments. 
Then in XXXX XXXX XXXX contacted me again and informed me there was {$290.00} in penalties and interest still owed. I paid these in full XX/XX/XXXX. Receipt included as attachments. 
The {$290.00} for penalties and interest needs to be refunded to me in full. The problem lies with the negligence and incompetence of Fay Servicing LLC.
Consumer complaint received 2023-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This complaint is my follow-up request in line with my previous complaint last XX/XX/2023, the items I am disputing must be removed or blocked in my file to prevent further more damage to my credit report. Here are the items mentioned : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$64000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$17000.00} The addresses listed above are not my current address, These accounts are inaccurate and fraudulent. Im seeking Litigation. 
Please delete them at once.
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

The XXXX  didn't do anything and now I'm coming to you.. Equifax is refusing to handle dispute requests and has been since XX/XX/XXXX. They are failing to due their job when they receive dispute requests I have contacted Equifax on several occassions by mail and even by fax on unauthorized credit inquires and I have even sent letters by certified mail and directly to the attention of the CEO of the company and still no assistant.. Equifax is not even responding back to any disputes and its not just me.. Several people are dealing with these same issues and as consumers it is not right. The CFPB need to hold them accountable or class action law suits should be filed immediately. 

I want the following handled immediately. Unauthorized XXXX- inquiry XX/XX/XXXX XXXX- Inquiry- XX/XX/XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2021-04-26
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: EQUIFAX, INC. (VA)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2021-04-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

After multiple calls over many weeks, Carrington Mortgage Services has yet to transfer my account over to the permanent loan modification that was fully executed on XX/XX/XXXX ( I have the hard copy that was notarized by Carrington as executed ). 

It states that as of XX/XX/XXXX, my balance would be {$100000.00} which includes the {$3600.00} not paid during my forebearance period. My new interest rate should be 2.7500 %. 

I entered forebearance in XXXX of XXXX. 

Since that time, I have made the following payments : {$970.00} on XX/XX/XXXX via phone {$970.00} on XX/XX/XXXX via phone A second payment of {$970.00} via phone on XX/XX/XXXX Once offered a trial modification, I made the following payments in accordance with the trial modification offer : {$950.00} on XX/XX/XXXX via phone {$950.00} on XX/XX/XXXX via phone {$950.00} on XX/XX/XXXX via phone I have also made the following payments : {$990.00} on XX/XX/XXXX via the Carrington website {$930.00} ( my new monthly payment per Carrington for the permanent modification ) on XX/XX/XXXX via phone {$930.00} via phone The dates on the loan modification documents don't line up as my first set of documents did not pass Quality Control ( Carrington stated the notary stamp was blurry ). 

I have called and called, been transferred to different departments ( some who state that they can't even see my payments that I have made ), told I will need to make my trial payments ( which I have - and for which they have documentation ). I have been spoken to as if I am clueless about the process and my part in it. One recent representative didn't believe that I had the permanent loan modification documents in hand that had been executed and notarized by Carrington. 

My most recent statement shows a number of adjustments that don't reflect the payments I have made. I addition, most of the payments I have made are sitting in a suspense account, not applied to the balance of my mortgage, and the escrow portions have not been applied to my escrow account. 

I am asking for assistance from your agency as I have had made no progress communicating directly with Carrington. In fact, it is getting worse. Whereas my mortgage statement dated XX/XX/XXXX shows my escrow account at - {$1800.00}, today my online account shows it as - {$2400.00}. 

Thank you in advance for your assistance.
Consumer complaint received 2022-02-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (IL)

I was out of work because my previous employer closed its doors and went bankrupt. The company 's failure, and my unemployment, were due solely to the COVID-19 pandemic. 

Avant sent emails offering payment plans and saying that if I made a payment there would not be negative reporting. Two days after this email I got my first paycheck at my new job and paid Avant to date. Nonetheless Avant reported me 60 days delinquent. 

My pre-COVID-unemployment and post-unemployment payment history was perfect. I attach the email and proof of payment.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

THIS IS AN UNIQUE PROBLEM I HAVE TRIED TO GET THIS RESOLVED WITH THE CREDIT AGENCIES, BUT THEY REFUSE TO REMOVE THE BANKRUPTCY FROM MY REPORT. I FILED ON XX/XX/2019 AND HAD IT DISMISSED ON XX/XX/2019. CASE NUMBER XXXX. MY CASE NEVER WENT THROUGH THE FULL PROCESS, I FEEL THAT I SHOULD NOT BE PENALIZED BY HAVING THIS REMAIN ON MY CREDIT REPORT FOR SEVEN YEARS, BECAUSE I WAS ABLE TO PAY OFF ALL OF THE BILLS. I AM ATTACHING DOCUMENTS SHOW THAT THE CASE WAS DISMISSED AND I DID NOT COMPLETE THE FULL PROCESS. I HOPE THIS WILL ALLOW THIS BANKRUPTCY TO BE REMOVED FROM ALL THREE REPORTING AGENCIES. THANK YOU
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

On XXXX, I paid UNITED WHOLESALE MORTGAGE {$2500.00} for an additional Principal Payment. On XXXX, The XXXX XXXX XXXX took 3-payments of {$2500.00} XXXX {$7500.00} XXXX from my account instead. 

Additionally, there are 5-payments of {$2500.00} Pending for XXXX {$12000.00} XXXX These Criminals are stealing {$17000.00} from my bank account. 

I want XXXX  charges against XXXX XXXX, XXXX XXXX XXXX This is a money grab that affects over 1 million people according to the XXXX at United WholeSale Mortgage, XXXX XXXX XXXX. These are crooks of the highest order. They have been informed I will not be making another payment except to pay off the mortgage. I want my money back and my pay statement immediately.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Attempted to remove credit infromation regarding a failed business venture with my personal credit being compromised several times prior. XXXX  claims there is a settlement in the works, but I shouldn't have to wait to settle an issue I've ben having since I began using my credit to attempt to get a car, business loan, and house through XXXX XXXX, XXXX, and XXXX  XXXX XXXX. Feels like discrimination.
Consumer complaint received 2021-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

RE : Individual Account ending in # # XXXX with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. 
Date Assigned : XX/XX/2020 Balance Date XX/XX/2020 Paid original amt. {$100.00} Identity theft/unauthorized account opening / Fraud. 

There was identity theft/unauthorized use concerning my personal credit account under collection. I do not have any account number ending in # # XXXX with XXXX XXXX XXXX ( XXXX ) account. I never received any outstanding bills from XXXX XXXX XXXX. XXXX XXXX XXXX has forwarded a collection to : Helvey & Associates, XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX ( Office : XXXX and email : XXXX ). Helvey & Associates has failed to send me any notification in writing to collect debt nor was I aware of such debt. Helvey & Associates has invertedly attached a collection to my credit report without my knowledge. The derogatory public collection is damaging to my credit report and has followed by credit score significantly. In addition, the debt has a zero balance and marked as paid. 
I have called and asked Helvey & Associates to delete this reported collection to both XXXX  and XXXX  but has refused to do so. I have contacted XXXX XXXX XXXX and they have stated a notice was given to remove any collection since this individual account was already paid. In addition, the account number associated with this collection did NOT match my account number, so I am assuming this is a fraudulent account that got filed under my credit report. 
I have asked XXXX  and XXXX to please Deleted this collection under my credit report. XXXX  and XXXX  have failed to Delete this collection notice in a timely manner. This is my filed complaint with the Consumer Financial Protection Bureau and State Attorney General office. Please send me a letter or email confirmation action on deletion per requirement. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Mailed Letter of Validation Certified Mail Requesting how was Chapter XXXX bankruptcy verified and by Who, When, Name and contact number Letter of Credit Reporting dated XX/XX/2020 received from USBC District of Maryland Office of the Clerk, indicating that the USBC doesn't report any information to the Credit Bureaus. 
Requested as to how this public record was received and validated ( Credit Bureau respond ) Verified with no additional explanations or proof Requesting that Credit Bureau present proof of Validation through USBC or Third party If proof can not be presented ( Please remove negative public record from credit file effective immediately.
Consumer complaint received 2021-04-26
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 disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts
Consumer complaint received 2021-04-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent numerous dispute letters to Transunion. Transunion has refused to send me any investigation results for my dispute letters. I have sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and certified on XX/XX/XXXX.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Flagstar Bank, N.A. (PA)

my morgage company did not pay my taxes from 2020, and it now has accured penalty and interest there is money in my escrow account to pay the taxes and they did not pay my morgage is with flagstar bank the amount owed originally was XXXX now it is XXXX i dont feel i should be responsable for the penalty and interest
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and Truth In Lending. Failure to investigate these items within XXXX XXXX gives a reason to immediately remove the items I pointed out in my letters that I sent over XXXX XXXXs ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the XXXX data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I also stated each law you violated on my consumer report inside my letters also.
Consumer complaint received 2021-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (MO)

On XX/XX/2021 1st letter, and 2nd LetteXXXX on XX/XX/2021. I mailed a letter to XXXX XXXX, and Equifax and XXXX XXXX about the Bankruptcy that's reporting on my Consumer Report about the inaccurate and inconsistencies that's on my Consumer Report. I sent a Demand to Comply and that was my 2nd notice to the bureaus. Today is XX/XX/2021 so that's over 70 days. I don't understand why I haven't received any letters in reference to my Letter. This is unacceptable and against my consumer rights. Since this has been over 30 days and outside of the allowed time for a response and they never put a notice of Dispute on my Consumer Report this Bankruptcy must be removed because of 4 of the Bureaus are in Violation of my Consumer Rights. Please remove/delete this Bankruptcy from my Consumer Profile. It's time to hold these Bureaus responsible for their errors and violations to Consumer Profiles.
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Medical Management, Inc. (NJ)

Made several attempts via mail to obtain debt verification however the company has failed to respond within the XXXX days as requested per the FCRA, companies failure to comply with the FCRA with the requested information is in violation ahd is damaging my credit as well as my reputation.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

on XX/XX/2021 I mailed a letter about questionable accounts on my credit report. It has been past the time that the FCRA allows for an investigation and I still haven't received any correspondence.
Consumer complaint received 2023-06-29
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.