davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021 I mailed letters to the XXXX, XXXX and Transunion about innacurate information reporting on my credit reports and I have recieved no response, they are supposed to respond back within 30 days and they have all failed to do so. This is causing me so much stress and keeping me up at night. Please help
Consumer complaint received 2021-06-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (MA)

Hi AMERICAN HONDA FINANCE ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2020 XXXX for 30-days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (GA)

21 mortgage discriminated against XXXX XXXX & XXXX XXXX XXXX XXXX via delaying payments from XX/XX/XXXX to XX/XX/XXXX. The company representatives XXXX XXXX refused to provide important documents via email & letters until when Attorney XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX Telephone ( XXXX ) XXXX ext XXXX of 21 St Mortgage Company provided total XXXX Dated XX/XX/XXXX.  The refused to accept payments to increase company profits. The physical address is XXXX XXXX XXXX XXXX, XXXX GA XXXX. 
For six month 21 mortgage utilizing numerous schemes to increase profits. The home is not foreclosure. However, the company refused provide important information until Attorney XXXX XXXX XXXX Office to discuss why refused to accept mortgage payments.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX claims to be a collection agency reporting a collection account on my TransUnion credit report. On XX/XX/2020, using their address as shown on my XX/XX/2020 credit report ( please see attached screenshot ), I sent a certified letter to XXXX XXXX requesting validation of their reported collection account ( please see attachments ). Since that mailing, Ive received notice from the USPS ( please see attached ) that my letter was undeliverable because the forwarding order for this address is no longer valid. XXXX  XXXX  incorrect reporting of their contact information has illegally prevented me from pursuing my legal rights under the FDCPA to obtain validation of the debt they are negatively reporting against me. 

Further, TransUnion is complicit with XXXX XXXX in violating my legal rights. TransUnion is reporting to have verified this debt on XX/XX/2020 ( please see attached screenshot from my XX/XX/2020 credit report ). It seems 1 ) they did not actually investigate this debt and opted to fraudulently report it as verified, and 2 ) they violated my rights under the FCRA by reporting inaccurate information on my credit report, thus preventing receipt by XXXX XXXX of my request for validation.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX US DEPT ED XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPT ED XXXX
Consumer complaint received 2020-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

I made payment to bayview loan servicing my account # Borrower XXXX XXXX XXXX Loan Number XXXX  Monthly Payment Due {$2700.00} Bayview Loan Servicing refuses to post my timely payments so that they can hit me with a late fee!!!!! They have my {$2400.00} in suspense and did not post my other paynment of {$270.00}
Consumer complaint received 2020-03-18
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

Portfolio Recovery calls many times a day from different numbers. But, where the problem is is that they will call late at night ( after XXXX XXXX ). This evening I received a call from the at XXXX XXXX. I'm tired of the late night phone calls and on occasion early morning calls as well. I have tried to block them. But, the calls continue.
Consumer complaint received 2021-06-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I am writing because I recently came out of bankruptcy and there are still companies reporting on my report that should have been taken off and they are still harassing me. I sent the bureaus letters over 2 months ago and still have not received any information from them or an update on whats going on. I want these accounts removed because its been over 2 months and I never authorized any furnishers to report on my accounts. I will definitely be seeking litigation if this can not be corrected because this is straight violation and negligence on the bureaus part.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mountain Run Solutions, LLC (AZ)

On XX/XX/2021 I requested by phone that Mountain Run Solutions provide me proof of debt to support the derogatory collection they placed on my XXXX  credit report. 

I filed a complaint with the XXXX XXXX disputing the debt and asked once again for proof, On XX/XX/2021 they once again refused to provide this information to me saying it was my responsibility to obtain it. 

Under Federal law they are required to send me proof of a debt and they failed to do so.
Consumer complaint received 2021-06-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

I am currently in a COVID forbearance ( under the CARES Act ) which is due to end soon. In trying to understand my options for when my forbearance ends, I am having difficulty getting a clear answer from my mortgage servicer, Mr. Cooper ( formerly NationStar ). 

The only options they are offering me is to pay the lump sum of total payments missed during the forbearance or go through a loan modification which is what I do NOT want to do or go through. 

I do not understand why they will not offer me a COVID-19 Payment Deferral option which was my understanding at the time I took my forbearance would be an available option. 

This option does not come up on their portal, so when I call, I am told that option does not come up for them. Then they tell me to contact their escalations department. When I do that, I still do not get an answer as to WHY I am not being offered this option. I feel this is EXTREMELY UNFAIR as I was told this would be available for me at the end of the forbearance. I am simply asking for an explanation why my account is not eligible for a deferral and have not been told why. I feel this is their way of making yet another money grab off of missed payments that were covered under the XXXXARES Act. Under the law, I do not have to pay interest on those missed payments, yet they are forcing me to do a loan modification. And in fact, every month during my forbearance, I did make partial payments. 

I'm hoping maybe you could assist with getting me an explanation as to why they simply can not defer the amount to the end of my loan? I am not sure this is even legal under the CARES Act. Thank you for your time in this matter.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt. you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION. made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices. provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information. to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute. fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease. and desist. Also, during this validation period, if any action is taken which could be considered. detrimental to any of my credit reports, I will consult with my firms managing attorney for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your
Consumer complaint received 2021-06-17
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. (FL)

Corrected wrong account with Experian Monday XXXX XXXX XXXX Paid XX/XX/XXXX not reflected. Tell me 30 days while I am held hostage with a credit score of XXXX 2 Learn more Experian Data XX/XX/2021 XXXX XXXX XXXX and debt to income wrong. XXXX sent a alleged repaired report which was NOT and still wrong and all three continue to have outdated and wrong information they provide to third parties and you the CFPB do nothing! Meanwhile held hostage because updating not real time impacting our ability to borrow and causing usurious rates.
Consumer complaint received 2024-04-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harpeth Financial Services, LLC (TN)

A loan account by Advance Financial has either been fraudulently opened and inaccurately reported on my credit report. I have never had a loan or even opened an account with Advance Financial. The collection is for the amount of {$420.00} and is being reported by a debt collection agency called XXXX XXXX XXXX. I have no knowledge of this account and need it removed from all three credit bureaus. This fraudulently opened/reported account is negatively and unfairly effecting my credit score.
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hi Capital one office of the president ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX AND XX/XX/2021 and during last year during the pandemic. Do you mark people during global pandemic? 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-02-06
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went to withdraw money from Bank Of America using a Bank of america state edd issued card and it gave an error message didnt dispense the money but subtracted the amount from my account I have trid to resolve the claim with Bank of America and they keep denting my claim and refusing to give me my money back
Consumer complaint received 2020-03-18
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. (GA)

In XX/XX/2019 I disputed an account on my report with all three bureaus regarding. I was given notice that it would take 30 days for the investigation to be completed from each bureau. On XX/XX/2019 XXXX  responded to my investigation stating that the item was deleted from my XXXX Credit Report. I received results from TransUnion stating that the investigation was complete and that information was verified. The report did not include how the items were verified. On XX/XX/2019. Again, I disputed the same items with both TransUnion and XXXX. This time I sent a follow suite letter attaching the deleted account from the XXXX  record to both TransUnion and XXXX.I received a response on XX/XX/2019 from both TransUnion and XXXX  that the account was updated and verified. Again, no documentation on how this account was verified. XXXX  sent along a stall tactic during this dispute stating that I had not sent all required documents which I keep logs of what I sent to each bureau.
Consumer complaint received 2020-03-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Cadle Company (PA)

Cadle co had purchased my loan in XXXX of XXXX. I have been paying them since then. Cadle Co purchased this debt from my previous mortgage co XXXX XXXX. My loan with XXXX XXXX was a 30 year fixed loan ( FHA ). Now that my loan is with Cadle co. this loan is to be paid in 10 years. I just learned this today XX/XX/XXXX via an email response to an offer that I needed to accept for a payment modification. I had to ask several detailed questions to even learn this information because their offer email was very vague. At no point before this was I ever made aware of this 10 year term. In XX/XX/XXXX Cadle co sent me documents about my mortgage payment going up by {$500.00} due to an error/shortage that they just found in my escrow. That payment increase would start in XXXX. Then in XXXX they sent another document about my mortgage payment going up by {$250.00} due to an error/shortage that they just found in my escrow. That payment increase would start in XXXX. 
In XXXX of XXXX I contacted Cadle co to ask them about re-financing this loan to get a more affordable payment. In an effort get get help with this process I had also reached out to North west counseling services XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX ( a company that does housing counseling services ) I was being helped by XXXX XXXX. They in-turn referred me to XXXX XXXX XXXX for the loan Re-Fi. I was dealing with XXXX XXXX XXXX. 
After 1 Year of Mr. XXXX & Mr. XXXX trying to negotiate a Re-Fi, Cadle Co declined EVERY offer that was made. So in XXXX of XXXX that is when I made my 1st complaint to this office about my issues with Cadle Co. after my complaint Cadle co. reached out to me seaming as though they were trying to help me but really they were not. Since XX/XX/XXXX we ( Cadle Co, my Wife & I ) were corresponding via emails & they asked us to submit some financials. I did as asked. They then sent me & my wife a very intrusive email asking me about my wife 's monthly income, checking her social media & asking questions about things she posts. My wife is not on this loan she is only on the deed. We responded to their questions. Cadle Co then sent an offer a few days later. The offer was very vague and my wife & I had to ask several questions. Cadle co responded to all my questions and that is when I learned that this is not a Traditional 30 year Mortgage, that is a loan that has to be paid in 10 years, the monthly payment is about 95 % interest only & at the end of the 10 years there will be a very large Balloon payment of about XXXX. Cadle co also does not send monthly statements even though I have asked them repeatedly This offer is extremely predatory & aggressive. I am asking that something to be done about this matter. Or that I am pointed in the direction of how to fix this matter.
Consumer complaint received 2021-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

first of all, someone put an active duty fraud alert on my report. I have never been to the military. Secondly, I have a hard inquiry from XXXX I haven't applied to them since the first time which was XX/XX/2021. They denied me then so why would I try again knowing it would hurt me and my problem is XXXX has phone numbers to call but you only talk to an automated system which is why I am submitting this complaint to you. Pursuant to 15 U.S. Code 1681b ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave XXXX TRANSUNION, and XXXX any written consent to report or furnish anything on my consumer report. No consent is identity theft.