davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Consumer complaint received 2021-12-17
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. (NY)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A company called XXXX performed a credit inquiry in my credit report without my consent. I called Transunion and they told me there 's nothing they can do. I contacted XXXX and they told me they performed the credit inquiry because XXXX includes credit inquiries authorization in their hidden terms. I specifically asked them NOT TO PERFORM a hard inquiry. Now they all point fingers at each other and they do not want delete the inquiry from my credit.
Consumer complaint received 2021-12-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prosper Marketplace, Inc. (NC)

Due to Covid I was laid off and fell behind on a personal loan with Prosper in the amount of $ XXXX. I tried numerous times to work out an agreement with Prosper due to my unemployment circumstances. However, their method of providing assistance was granting a 3mth forbearance which included my monthly payments being higher once the forbearance ended. Needless to say I declined the assistance as it predatory and it would only put me further in the hole with them. My load ended up being delinquent and they turned it over to XXXX XXXX XXXX. I worked out a settlement with XXXX for $ XXXX with the agreement of a letter sent from XXXX stating the account has been settled/satisfied for the agreed amount and closed with zero balance. I had to follow-up on three separate occasions for the letter and once I received the letter it stated the opposite with me still owing a balance of {$5500.00} and not reflecting account as closed and updated to the all three credit bureaus. I call XXXX  and spoke with XXXX XXXX XXXX. informing her the letter in question was not correct as it has incorrect information from what was agreed upon at time of settlement. XXXX XXXX stated the letter was drafted by their legal team and was correct. I'm filing a complaint with the AG 's office for unfair and deceptive practices by XXXX Collection Agency.
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (TX)

I pulled my credit report from all three Bureaus : XXXX, XXXX, XXXX. I noticed that Waypoint Resource Group was  reporting negative on my report. I sent them a certified letter to verify the debt they claim that I owe to them in the amount of XXXX. 
we received a signed returned slip. slip was signed on XX/XX/XXXX and we have not yet received anything or heard from them, its been well over 30-45 days. After speaking to a representative at XXXX  he stated that this account looks to be re-aged. Dated this account back to XXXX of XXXX and now is being reported a open date of ( XXXX ).
Consumer complaint received 2021-12-17
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. (NY)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Consumer complaint received 2021-12-17
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: FIRST PORTFOLIO SERVICING INC (FL)

My score drop a XXXX points say that I applied for credit cards.I did no such thing I only applied for XXXX XXXX and XXXX  XXXX credit cards.my purse was stolen from out of XXXX XX/XX/2021 every since then I been seeing inquiries on my credit report I been trying to dispute them but not working.
Consumer complaint received 2021-12-17
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: OneMain Finance Corporation (FL)

My score drop a XXXX points say that I applied for credit cards.I did no such thing I only applied for XXXX XXXX and XXXX  XXXX credit cards.my purse was stolen from out of XXXX XX/XX/2021 every since then I been seeing inquiries on my credit report I been trying to dispute them but not working.
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (NC)

XXXX XXXX XXXX XX/XX/XXXX filed fraud dispute. 
{$320.00} was the total amount taken. 
Filed fraud dispute. Called AT least every 2 weeks since the original date I filed. 
XX/XX/XXXX was the last date I called to ask for an update, was told it was being worked on. 
I also have emails.
Consumer complaint received 2021-12-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (TX)

iam coming off forbearance and I've asked my mortgage company for a modification. phh mortgage sent me three notices acknowledging the request however when I talk to my loan counselor they say they havent gotten my info and they show in their records I refused the modification my interest is 9 % and could be easily modified but this predatory lending mortgage company is still practices their predatory loan service the feds need to put a stop to this. This loan is under my mothers name XXXX XXXX XXXX which she was their victim of predatory loan
Consumer complaint received 2021-12-17
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: ALLY FINANCIAL INC. (FL)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2024-02-22
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. (VA)

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 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX and 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.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

Dear Sir/Madam : My credit report contains inaccuracies regarding late payments. I'd like the credit bureaus to erase the inaccuracy from my credit record. On this account, I was NEVER LATE. I'll say it again : I've never been late with a payment. I can challenge erroneous status on my credit report under the Fair Credit Reporting Act. These credit agencies are providing inaccurate data, and I'm curious as to what they're basing it on. They can't prove I was late, and they aren't CORRECTING OR UPDATING this information in their records.
Consumer complaint received 2020-02-27
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. (GA)

To whom it may concern : Suspicious activity in my mail made me think that my identity had been stolen, then short after I realize, started to check my credit, to my surprise there were a number of account that I don't know of. Please help me to resolve this by removing these fraudulent accounts.
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (ME)

In XXXX I submitted a complaint to CFPB regarding the servicing of my mortgage. The company ( LoanCare ) had incorrectly reported my mortgage account as 30 days late to the credit bureaus. Last year, XXXX my previous mortgage company sold my mortgage and the servicing of the mortgage to LoanCare. Because I was out of the country, I missed the notification of the change and continued to pay XXXX for two months after the mortgage had been sold. When I returned from my trip and realized my mistake, I immediately called LOANCARE to explain the situation. I explained that I was in the process of trying to get the mistaken payment reimbursed from XXXX. I immediately paid the XXXX bill but could not afford to pay the XXXX bill without first getting reimbursement from XXXX. Nonetheless and despite my explanation to LOANCARE, it reported me as 30 days late on my XXXX payment. In XXXX I filed a complaint with the CFPD against LoanCare. By letter dated XX/XX/2019 ( attached ), LOANCARE denied that it made a mistake but nonetheless agreed to change its report to the credit agencies as " current, pays as agreed. '' The letter said to allow 45 days for the credit agencies to update their records. Since that time, most of the credit agencies have updated the reporting of my loan. However, one agency XXXX  has not made the change and contunes to report me as 30 days late on my home loan. XXXX  says that LOANCARE has been unresponsive to its requests for the information so that it can confirm that the delinquencies have been removed. LoanCare has not responded to my request for assistance. I have called XXXX XXXX who wrote the XX/XX/XXXX letter on behalf of LOANCARE multiple times. Despite multiple calls and messages explaining the situation, neither XXXX nor anyone else at LOANCAre has returned my calls.
Consumer complaint received 2021-12-17
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: Experian Information Solutions Inc. (NJ)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (IL)

I have been trying on multiple occasions to receive my pin for my credit freeze requested through SageStream since XX/XX/XXXX. I originally requested the freeze through the website electronically and after waiting some weeks, I then requested a freeze via fax on XX/XX/XXXX. It is now XX/XX/XXXX an I have still yet to receive my pin. SageStream does not answer calls nor do they call back after leaving multiple messages on their answering service. There is no live person to speak with regarding this matter. This issue is severely affecting my ability to proceed with my credit.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I have both a personal saving account and an cooperate bank account opened in BOA back to XXXX piror the covid-19.

Are all in good standing for normal business and payments. 

By XXXX, XXXX, they suddendly got closed without any reason, just one mail notice. 

Tried call the hotline and nothing given.
Consumer complaint received 2021-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (MA)

I was on a covid forbearance that expired in XX/XX/2021. I start payment my current mortgage to a new servicer once my mortgage was transferred from XXXX to XXXX in XX/XX/2021. I was told over the phone that my service XXXX could not put the forbearance amount to the back of the loan or Modify the mortgage because it was sold starting in XX/XX/2021 to SN Servicing. A payment was sent to SN Servicing for {$10000.00}. my next payment would be in XX/XX/2021. I was told from XXXX of Sn Servicing to complete an application for Modification for the outstanding amount of what I owed from the modification. I tried to make a payment on SN Servicing 's website and was unable then I called and spoke to XXXX whom told me that they were not going to take my payment unless I pay {$24000.00} or a payment arrangement of {$14000.00} and {$4400.00} each month and the modification was denied. I have no idea who owns my mortgage and was never notified by mail. I believe the mortgage is doing some fraudulent activities. 
Could you help me?
Consumer complaint received 2021-12-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (SC)

I have co-signed a loan for my son with Navient loan an I have made the payments since XXXX - I had been getting bills at my home which I moved to in XXXX - all of sudden I quit getting bills and find out they started mailing them to my old address that I have not been in since XXXX - my son had told me that he was going to begin to make the payments so I assumed this had happened - they started calling me about the payment and I made the payment right away- now very month they call me and even when I tell them the payment has been made they call me daily - they called me this week and told me I owed for 2 payments and I said excuse me when was the last payment rec'vd and she stated XX/XX/XXXX and I in fact did not ow for 2 pymts but only for the XXXX payment which I told them had been paid- they called me again today and I advised them they were told a pymnt was made and that they were not to call me- she stated they will continue to call me- I want the calls to stop they call me during my work day and it has got to stop - the late fee is not assessed until the 19th and they got the payment today-
Consumer complaint received 2020-02-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (PA)

In XX/XX/2019I opened a checking account at Wells Fargo Bank based on a promotion that said that with a direct deposit every month or a certain number of debits per month, a credit of {$400.00} would be entered into the account. 
I arranged to have my $ 1500+ pension check direct deposited to the account. I called in XXXX to follow up the credit and was advised that I would see it in the account by " mid-XXXX ''. 
When I followed up in mid XXXX I was told that it would go to a senior account manager and I would receive a call.

Within the last couple of days I was advised that there was an additional requirement that was certainly not visible on any of the literature that I had seen that there was an additional requirement for a multi month history of a much larger deposit that I had not met. 
The practice seems to have been deceptive at best to have presented one direct deposit requirement at the outset, have advised in XXXX after 5 months paying no interest on a substantial balance that the credit was imminent and then finally ( after 7 months of having the account ) to advise that there was a second direct deposit requirement. 
It certainly feels like a bait and switch to me.
Consumer complaint received 2020-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (ID)

I refinanced my home during XX/XX/2020 and received a noticed from the company that I refinanced with dated XX/XX/2020 that my loan 's servicing was being transferred to Nationstar Mortgage LLC d/b/a Mr. Cooper The letter indicated I would be receiving correspondence from Mr Cooper " in the next few weeks. '' I have not received any correspondence to date from them, and attempts to contact the company have been unsuccessful via creating an account on their website and using the phone number provided on their website to contact them ( I get hung up on immediately ) I am now sending them a letter via certified mail asking for resolution but do not have any confidence that this will occur, especially given they underpaid my Homeowner 's insurance and had I noted made an additional payment to the Homeowner 's insurance company, that would have been canceled as well. I have attached the letter I am sending.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX and 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.
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MI)

I spent XXXX $ at XXXX for room upgrade and other room charges. I stayed at hotel during XXXX XXXX at room XXXX. According to the term I should get 10 % back for what I spent however offer was not activated