davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-06
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. (AL)

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-02-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prince Parker & Associates (OH)

Under FCRA guidelines Prince Parker And Associates has violated my rights according to : 15 USC 1681 section 602 : rights to privacy 15 USC 1681 section 604A section 2 : consumer reporting agencies can not Furnish info without written instructions
Consumer complaint received 2021-01-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Critical Resolution Mediation LLC (FL)

A collection agency named Critical Resolution Mediation LLC called me many times in XX/XX/XXXX to pay a debt that I owed. It came to the point that if I didnt pay back the debt that same day, they were going to sue me. We came to a settlement agreement for {$1200.00}. I payed this amount on XX/XX/XXXX. Today, XX/XX/XXXX, I found out that it was fraudulent and that I still owe this amount to the real creditor XXXX and XXXX XXXX. I also searched up Critical Resolution Mediation and found out that they were shut down by the FTC and is currently in court with the FTC. I tried disputing with my bank, but they werent able to do so because the transaction was over a year ago.
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (VA)

I have had a very difficult time with Shellpoint. I have tried to submit for a loan modification a couplel times. I was never able to communicate to the same person which always caused confusion. Shellpoint always seemed to lose my paperwork, which I constantly had to re-fax. I had a very serious medical situation and was hospitalized battling XXXX. I fell behind on my mortgage. Praise XXXX! I am now XXXX free. I now have 3 jobs and can afford my mortgage ... I have applied on XX/XX/20. I was told by Shellpoint to do so and should qualify. I have never had a loan modification before. 7 days later I got declined. Which does not seem like a fair review. I've been told it sounds like a predatory lender or investor by HUD and should file a compliant with CFPB for help!
Consumer complaint received 2020-09-25
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. (TN)

THE U.S. Department of Education approved my student loan discharge in the amount of about {$53000.00}, due to my XXXX service connected XXXX. I have supplied each bureau with disputes and documents twice, and have not gotten accounts removed. In addition there are entries that I have disputed of companies that performed credit checks that I did not authorize and XXXX  fails to remove account along with a XXXX XXXX secured credit card that is past my state 's statue of limitations on reporting and although the bureaus claim to conduct a honest and fair investigation, this could not be possible because This account, secured credit car, I never opened.
Consumer complaint received 2024-02-16
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: Klarna AB (CO)

On XX/XX/year> I accidentally signed up to the annual XXXX plus plan priced at {$99.00} plus taxes using my Klarna credit card. I immediately contacted the merchant ( XXXX ) and requested a cancellation and was given a full refund. Klarna never refunded my money back. I disputed the charge with Klarna and went on a month long investigation they ultimately decided they have found no evidence of cancellation and refuse to refund my money back.
Consumer complaint received 2017-05-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (OH)

Approximately  XXXX / XXXX /   17  I tried to deposit cash to m y Netspend Card and was unable to was told card was blocked. I called Netspend got customer service rep who must have been in another country unable to communicate well. She said something about card blocked suspicious activity and asked about some charge and I replied there was nothing wrong my balance was correct and I wanted to add funds. She said ok there is fraud card is cancelled and I kept trying to explain but it was obvious she was reading from a script. No matter what I said she had same answer. So I got frustrated said cancel the card I will never use Netspend again.  The around  XXXX / XXXX / 17  I won money at  XXXX  and the have policy the first {$50.00} of winnings has to go back to debit or credit card in the last 30 days. So {$27.00} of it was credited to my cancelled debit card. So I call ed Netspend and they first said there was only {$13.00} not {$27.00} then said I would have to get a n ew account. I told them I would never give them another dime to send me a check and they said I would have to pay {$5.00} to get a check so I hung up and wrote a letter explaining I was going to contact every appropriate state and federal agency concerning their actions. I have never got a reply. I looked online today  XXXX  and see they have charged me {$9.00 } (   XXXX   ) 3  times since I told them to cancel card and send me my {$27.00}. They say I owe them {$2.00}. How ma ny 100,000 's of other people are Netspend doing this to.
Consumer complaint received 2017-05-29
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. (AL)

Open Date :   XXXX  2016  {$3600.00}  Open Date  :  XXXX /2016 {$860.00} I was told that each contract was cancelled and after months it was not removed.
Consumer complaint received 2022-06-03
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. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account XXXX XXXX DPT ED/XXXX Account # XXXX XXXX XXXX Account # XXXX has violated my rights.

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
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NJ)

I fell behind on my mortgage XX/XX/XXXX and contacted Caliber on XX/XX/XXXX to discuss what my options were to cure the default. Per XXXX ( employee id XXXX ), I could extend my forbearance or apply for loss mitigation and she would mail paperwork to my home. On XX/XX/XXXX XXXX  ( employee id XXXX ) stated that my deferment agreement was due back by XX/XX/XXXX with a mortgage payment due XX/XX/XXXX. I never received this agreement nor did I receive any phone calls about a possible deferment. On XX/XX/XXXX, XXXX ( employee id XXXX ), stated that if I was unable to make a payment then I would have to apply for loss mitigation. I told XXXX our hardship would be resolved so we could resume payments XX/XX/XXXX but XXXX said that was not an option so I submitted my paperwork on XX/XX/XXXX. On XX/XX/XXXX a letter was mailed stating my request for assistance was denied due to me not accepting the deferment option. My mortgage company forced me in to a plan that I could not comply with, forcing me to apply for an alternative only to be denied. I have only followed the instruction of my mortgage company and will now be left homeless.
Consumer complaint received 2021-01-06
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: Experian Information Solutions Inc. (CA)

Back in XX/XX/2020 I file my first dispute with all 3 credit bureaus.

I have yet to receive anything from that dispute, so I file another one in XXXX and yet again NOTHING. Why is it so hard to send me information I'm asking for? What do I have to do to get a reply from them so I can fix my credit? I should not have to keep filing disputes and writing complaints just to get what I want.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AFNI INC. (IL)

I DO NOT RECALL HAVING THIS ACCOUNT AND I WAS NEVER NOTIFIED OF THIS DEBT, IF I HAD BEEN I WOULD HAVE PAID IT PROMPTLY. I DONT THINK IT SHOULD HAVE BEEN PLACED ON MY CREDIT REPORT WITHOUT ME HAVING A CHANCE TO DISPUTE OR RESOLVE THIS MATTER.
Consumer complaint received 2020-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAINE & WEINER COMPANY, INC. (TX)

Im lodging a formal complaint against both Caine & Weiner & XXXX XXXX, as it is my belief, they violated my rights under the FCRA. Reporting inaccurate information about its status to the credit bureau. I didnt notice this error right away, that this was an already twice reported collection. Originally, this was a Debt by progressive insurance given as a collection to Caine & Wiener. I then paid in full and received a confirmation letter & the collection was subsequently removed from my credit report. Fast-forward, to XX/XX/XXXX, I noticed a collection on my credit report with a new Creditor XXXX XXXX. So being under the assumption, that I owed XXXX, I had every attention to pay it, but Due to COVID, I had to wait several months. Then several months later, on XX/XX/XXXX I called progressive to verify the amount on this collection I owed, and the agent proceeded to inform me that the account I had already paid this off a year prior. Well confused, as I knew as I just looked at it a few minutes before, I then asked, Why has this been reported again and on my credit report since XXXX? Then the progressive agent contacted XXXX XXXX & put my call on 3-way to verify this new information. The XXXX agent, then confirmed that I didnt owe anything on the so-called reported collection and despite being asked, the XXXX agent refused to remove this inaccuracy and false account from my credit report.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

I sent a check for my Lowes credit card to Synchrony Bank on XX/XX/XXXX in the amount of {$700.00}, which was the full amount due on the statement. On XX/XX/XXXX, I received an email from Synchrony Bank that I was delinquent on my account and that I was being charged late fees and interest. I spent 10 minutes trying to get past Synchrony 's automated " customer service '' and then another 30 minutes waiting on hold before I finally gave up. With no idea of how long it would take to ever get the issue corrected, I cancelled the check ( {$35.00} fee ), paid the late fee, interest and amount due online, and then cancelled my account. I believe Synchrony is operating in bad faith. Trying to unfairly charge customers for late fees and additional interest payment, and then hiding behind an impenetrable, everlasting delay to speak with a live representative.
Consumer complaint received 2024-03-19
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. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2021-01-05
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. (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 2021-01-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Apex Mortgage LLC (VA)

I recently refinanced my VA home mortgage with Apex Mortgage. Closing on this refinancing took place on XXXX, 2020. The Apex mortgage adviser who coordinated this refinance process was Mr XXXX XXXXThe original loan was with XXXX XX/XX/XXXX 

The final Loan Estimate provided to me prior to closing on XX/XX/XXXX, was issued on XXXX XXXX, 2020 My complaint is that the I feel that I was knowingly mislead by Mr. XXXX in our discussions prior to closing, and that the figures on the Closing Disclosure that was presented to me at time of closing were not the same as the figures on the Loan Estimate provided to me on XXXX XXXX. This discrepancy is especially true regarding " closing costs ''. ( see attached ). The estimated closing costs as indicated on the Loan Estimated is {$4300.00}. The actual closing cost as indicated on the Closing Disclosure is {$5.00}, XXXX. I did not see these figures prior to Closing time on XX/XX/XXXX. 
The Loan Estimate indicates that there would be {$0.00} cash required at closing. The Closing Disclosure presented to me at time of closing, indicates that cash required at closing is {$860.00} All discussions with Mr XXXX prior to Closing, he assured me that I would not have to come up with any cash at time of closing. This was one of my main issues prior to agreeing to refinance with Apex. Based on my prior discussions with Mr XXXX, and based on the information provided to me on my final Loan Estimate, I refused to write the check for {$860.00} at time of closing. We then completed the closing process. My final closing costs ( {$6400.00} ) was {$2100.00} more than my Estimated Closing costs ( XXXX ) When I contacted Mr XXXX regarding this matter, he assured me that this {$860.00} charge had to do with my escrow account, and that I would be receiving a refund of escrow money from XXXXXX/XX/XXXX within thirty days. We also agreed that when I received my refunds from XXXXXX/XX/XXXX that I would then send him the check for {$860.00}. Mr XXXX had me sign a Promissory Note to pay the {$860.00} upon the receipt of my escrow refund from XXXX XX/XX/XXXX I eventually received a check for {$19.00} from XXXX XX/XX/XXXX 
I am filing this complaint because I firmly believe that I was knowingly provided false information regarding closing costs of refinancing with Apex mortgage. Mr XXXX is not returning my phone calls. 
I appreciate any help that you can provide in resolving this issue Thank you XXXX XXXX Attached are copies of 1 Loan Estimate ( 2 pges ) 2. Closing Disclosure ( 2pges ) 4 Attachments
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC (FL)

I received notification that I should have seen 4 removals on my XXXX report, that should help update my credit report and score, but I have pulled my most recent reports, and I do not see any such removals taking place, which leaves me to believe that this is misleading or the credit bureaus are not responding to the updates that are required to take place.
Consumer complaint received 2021-01-06
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. (CT)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2021-01-05
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. (MA)

XXXX  XXXX XXXX XXXX claims a XXXX  XXXX company card was opened and used for up to {$4000.00} plus in balance and claims I used overdraft benefits or a balance transfer to send to bank accounts in my name. Bank has not provided proof of which bank account that is because I am a XXXX year old woman with one bank account to collect SSI monthly payments. 

They need to identify the rightful owner of the account and remove it from all three credit bureaus Experian, XXXX, and XXXX  who have taken 8 months to gather baseless material that has not helped. FCRA states that accounts due to identity theft should be blocked or suppressed within four business days of notification. The credit bureaus failed me in protection laws.
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

This is a variation of the previous complaint XXXX : On XX/XX/2019 I sent a check made out for {$4800.00} to XXXX XXXX XXXX XXXX for closing costs on a mortgage from Loan Depot. I mistakenly made out the check to Loan Depot instead of the title company. On XX/XX/2019 I cancelled the mortgage contract in the manner specified by Loan Depot. On XX/XX/2019 someone cashed the check via bank number XXXX, account number XXXX, routing transit number XXXX. I was contacted by a representative of XXXX XXXX XXXX XXXX on XX/XX/2019 who said he was aware of the transaction and wanted to help. It has been two weeks and no response has been received.
Consumer complaint received 2020-08-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WV)

I recently sent letters over 60 days ago to these bureaus and they are disregarding the regular consumer disputes. I have been sending letters before this and still no respones.
Consumer complaint received 2023-06-20
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (TX)

To Whom It May Concern, Ally Mortgage has repeatedly made errors and failed to correct said errors associated with mortgage account ending in XXXX. Please see attached timeline to this complaint, as well as corresponding Ally Payment History and proof of erroneous credit reporting. To summarize the issue, my husband and I 's mortgage account was transferred to Ally from XXXX XXXX XXXX in XXXX of 2022. We made repeated calls to Ally regarding payment and set up of our account. However, due to lack of account set up, no payments were made in XX/XX/2022 to this account. 

Despite these issues created by Ally, we set up our account through our own diligence and repeated contacts, so we could pay XXXX, XXXX, and XXXX payments. We were then notified that we still had an outstanding XXXX payment. My husband made arrangements and agreements via a phone call with Ally in XX/XX/2022 to pay an additional amount each month for the course of 5 months to catch up the mortgage. Ally agreed in return to not report the XXXX payment. 

Despite this, Ally reported the late payment, but even incorrectly reported the late payment. Specifically, per our credit report, Ally stated the missed payment was for XX/XX/2022. ( See attached Credit Report ). This was done in error as the mortgage payments clearly show that a larger payment of {$5800.00} was made that month. ( See Ally XXXX XXXX attached hereto ). The only assumption I can make is that Ally CHOSE to first not honor their agreement from XX/XX/2022 and second reported a XX/XX/2022 rather than a XX/XX/2022 " late '' payment due to RESPA guidelines. Since the XX/XX/2022 payment would have been within the 60 day window disallowing mortgage companies to report that to the credit bureau, they chose to report the INCORRECT date. 

My husband and I have now made repeated attempts to have Ally correct this via the dispute and appeals internal process, so this can 30 day late payment can be removed from our credit report. Ally continues to deny this request despite their own errors and evidence of the same. 

Thank you for your time and assistance with this matter.