davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-22
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Home Point Financial Corporation (MD)

On XX/XX/2016 I verbally accepted an offer for a refinance from Homepointe Financial. The loan XXXX pre approved me for a XXXX % interest rate for a VA XXXX and per our phone conversation advised that my rate was locked and if it were to decrease in this process they would honor a lower rate. I signed all of my initial disclosures on XX/XX/2016 with the notary provided. On XXXX XXXX I was notified that my loan was approved and that were set to move forward to closing. I do unsigned the XXXX XXXX and redisclosures on XX/XX/2016 and XX/XX/2016 I reached out to the loan XXXX to advise that all docs were signed and did not get a response. On XXXX XXXX I called to find out why we have not closed yet, I left a message with the receptionist as well as on the XXXX voicemail. Later this same day I received a call back for an individual from the company advising me that my loan is unlockable and that we would not be closing. They offered me a refund on my late payment for my current mortgage and offered me an apology. I reached out to the XXXX and to a higher up XXXX and was told that my loan was indeed never locked as promised and offered no alternative to getting the loan closed.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

This should serve as a written notice to Chexsystems that XXXX XXXX XXXX wish to put a security freeze on any information on my account.
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is an addition to complaint # XXXX. The complaint has not been resolved and another demand for payment has been sent with additional charges. 

The original complaint : FTC complaint against Bank of America - submitted on XX/XX/XXXX In XXXX of XXXX XXXX  cut my sales position with the company and asked I return the company charge card to XXXX XXXX. The card was sent to XXXX XXXX per her request. 
In XX/XX/XXXX I received notice from Bank of America for an amount due of {$80.00}. I contacted Bank of America explaining the card was sent to XXXX XXXX at XXXX in XXXX of XXXX and I could not have used the card. Since then Bank of America has contacted me to pay this amount and late charges. I replied back to them explaining what was said after the first notice. 
Yesterday I received a notice dated XX/XX/XXXX from Bank of America attempting to collect a debt.. 
Bank of America continues to pursue me for a charge on a company charge card that was surrendered over a year ago, rather than pursue the company that has the card. 
I request that the bank provide me with a zero balance due and remove me from any negative credit reporting.
Consumer complaint received 2020-08-06
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: Resurgent Capital Services L.P. (TX)

THIS COMPANY HAS BEEN CONTACTED ON SEVERAL OCCASIONS REGARDING A DEBT THEY ARE REPORTING ON MY CREDIT PROFILE THAT I DO NOT OWE. I NEVER ATTENDED ARE CLAIMING THEY HAVE DOCUMENTATION ON. EACH TIME A SEND A LETTER TO THE CREDIT BUREA, THEY SEEM TO CONFIRM THE DEBT WITHOUT ANY DOCUMENTATION. THIS DEBT DOES NOT BELONG TO ME AND I HAVE NEVER WORKED WITH THIS COMPANY. PLEASE PROVIDE ANY PROOF OF IDENTIFICATION THAT YOU HAVE ON FILE THAT VERIFIES I DID BUSINESS WITH THIS COMPANY. IF NOT, IMMEDIATELY DELETE THIS BOGUS REPORTED DEBT.
Consumer complaint received 2020-08-06
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: Williams, Rush & Associates, LLC (TX)

THIS COMPANY HAS BEEN CONTACTED ON SEVERAL OCCASIONS REGARDING A DEBT THEY ARE REPORTING ON MY CREDIT PROFILE THAT I DO NOT OWE. I NEVER ATTENDED ARE CLAIMING THEY HAVE DOCUMENTATION ON. EACH TIME A SEND A LETTER TO THE CREDIT BUREA, THEY SEEM TO CONFIRM THE DEBT WITHOUT ANY DOCUMENTATION. THIS DEBT DOES NOT BELONG TO ME AND I HAVE NEVER WORKED WITH THIS COMPANY. PLEASE PROVIDE ANY PROOF OF IDENTIFICATION THAT YOU HAVE ON FILE THAT VERIFIES I DID BUSINESS WITH THIS COMPANY. IF NOT, IMMEDIATELY DELETE THIS BOGUS REPORTED DEBT.
Consumer complaint received 2020-08-07
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. (IL)

I have called TransUnion and written disputing these fraud accounts on my credit report and let them know over and over that these accounts do not belong to me. I have sent police reports, ID, FTC report, and all the required documents asked of me with no assistance. I submitted a complaint numerous times stating that this info was not correct and not mines and need to be deleted for all accounts listed as DEPT OF ED/XXXX.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Shellpoint Partners, LLC (OK)

Bottom line is my credit has unjustly been damaged. My house payment originated with XXXX   XXXX XXXX, then we went bankrupt ourselves in XXXX, and the house was " NOT '' reaffirmed, so they stopped reporting immediately, then XXXX took over, always asking if our intention was to keep the home, ( it was ) in all correspondence. Then XXXX got the mortgage, they honored the law, and didn't report either. But when Shell Point too over, unbeknownst to me, started reporting me, and stated " they weren't told '' about the bankruptcy??? So even last week, synchrony refused to reinstate my credit line, my score has crept up a little, since it, thru dispute, was finally removed, but the damage still lingers as my score is in the low to mid XXXX now. 

On about XX/XX/XXXX Shellpoint took over, from XXXX. The letter from XXXX XXXX bankruptcy people stated not to send a payment, so we didn't, and when we got a letter from Shellpoint they stated we were 2 months behind, we sold, and paid off, our house following around XX/XX/XXXX and by then it showed 3 months behind. That remained unchanged, not showing paid, not removed, or at least corrected, for about XXXX a year. We began contacting them, early XXXX with them promising a correction. But they never did correct it. 

XXXX has lowered and closed all of my credit lines. XXXX has lowered my line. XXXX has lowered my credit line. My score dropped to the low XXXX XXXX from high XXXX XXXX XXXX 

The credit bureau 's have finally removed last month ( late XXXX ), after a lengthy dispute, worsened by temporary Covid delay, but my score and credit lines are still severely damaged, due to lowered, and closed credit lines, affecting my credit utilization. 

Bottom line is, House the house was " NOT '' reaffirmed, so this should have never happened.
Consumer complaint received 2020-08-06
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX Todays Date : XX/XX/XXXX RE : Investigation Request to Delete Incorrectly reported late payments and correct account balances immediately To whom it may concern, In accordance with the Fair Credit Reporting Act Section XXXX ( XXXX U.S.C. XXXX ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX. XXXX XXXX { ac # } XXXX { Reason for Dispute } : Incorrectly reporting late payment for ( XX/XX/XXXX ) as well as the balance for this card is {$0.00}. -please remove late payments and correct balance immediately XXXX XXXX XXXX XXXX NA { ac # } XXXX { Reason for Dispute } : Incorrectly reporting late payment for ( XX/XX/XXXX ) as well as the balance for this card is {$180.00}. -please remove late payments and correct balance immediately XXXX. XXXX XXXX XXXX { XXXX # } ending in XXXX { Reason for Dispute } Incorrectly reporting late payment for ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) as well as the balance for this card is {$0.00}. -please remove late payments and correct balance immediately XXXX. XXXX  XXXX XXXX  { XXXX # } ending in XXXX { Reason for Dispute } Incorrectly reporting late payment for ( XX/XX/XXXX, XX/XX/XXXX ) as well as the balance for this card is {$0.00}. -please remove late payments and correct balance immediately XXXX. XXXX XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } Incorrectly reporting late balance. balance for this card for this card is {$0.00}. -please correct balance immediately I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$20000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Consumer complaint received 2020-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc. (SC)

On XX/XX/XXXX I had a minor claim ( hit and run ) on a vehicle I had rented from XXXXXXXX XXXX XXXX. My insurance paid all of the damages to the vehicle- {$1100.00}, but XXXX said I owed them diminution ( loss ) of value, administration fees and loss of use. 

I verified with my insurance company that these are not causes for loss in this type of claim. I reviewed my rental contract carefully and also discovered the Physical Damage Waiver I signed did not specify these types of claims for any loss. 

On XX/XX/XXXX, I sent a letter of final payment and conclusion of the claim to XXXX with a notice that I would contest the additional unwarranted and unsubstantiated charges. I also stated that I would not pay the additional fees and would contest them if they sent the file to collections. 

At the end of XXXX, XXXX, I received a collections notice from First Financial Asset Mgmt. Inc. ( FFAM ) claiming an additional {$300.00} owed. There was also an offer of a reduced payment of {$220.00} to " resolve this indebtedness ''. 

On XX/XX/XXXX I spoke with a representative at FFAM and sent them an email with all of the information concerning the claim including my communications with XXXX.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My account with XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOWNE MORTGAGE COMPANY (GA)

Towne Mortgage  reported to credit bureaus without my consent. I gave consent to XXXXXXXX XXXX  but nowhere on the contract does it states that they permission to rep ort to anyone. It clearly states on the document that Towne Mortgage provided that XXXXXXXX XXXX has permission.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have submitted numerous complaints already through the CFPB portal so please look to them as reference. Basically, I just found out that my actual SSN is XXXX and received a reprinted card to show exactly that. I attached it below along with my driver 's license. For my entire life, I've been using XXXX because that's what my old SSN card showed because it was misprinted. I spent months trying to get all of the credit bureaus to change the SSN on file to XXXX, but now I need them all to change it to XXXX. I already am in the process of having this situated with my creditor - XXXX XXXXI also attached the first page of my credit report which clearly shows that the different credit agencies are reporting different SSN 's under my name.
Consumer complaint received 2022-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CT)

Newrez/shellpoint reported my payments 90 days late. I was in a government awarded forebearance plan that ended in XX/XX/2022. I started a loan modification in XX/XX/2022 made the trial payments on time and was than awarded the modification. I was never late. I was in a forebearance plan due to being unemployed during the pandemic. I was in a financial hardship. Im now back to work making my payments on time. My credit score dropped XXXX points. My rates went up. Auto ins went up. My credit cards went up and some dropped me. I tried to dispute this with the mortgage company and XXXX. Nothing!
Consumer complaint received 2023-06-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TN)

I spoke with a representative of MIDLAND CREDIT MANAGEMENT who called my phone several times. As I wasn't aware of the number I didn't respond initially. After several repeated calls during the week. I finally answered assuming the matter was likely important. 

After speaking with the representative. I realized she had little to no information in regard to the debt she specifically claimed I owed. My issue is with the communication. When ask where the credit came from. She fumbled, had no information to provide me. She then placed me on brief hold and returned to inform me that the debt came from XXXX XXXX. 

The representative was completely unprepared to discuss any of the information she claimed to have in front of her. There was a major lack in professionalism. I continued to inform the representative that the debt was in fact paid to XXXX XXXX yet she insisted it hadn't and when asked what information she had. She was unable to provide it to me. 

What perplexed me even more was she had no record of the amount owed. I had to ask her several times as she fiddled around with her papers before she could give me a final amount. I then proceeded to inform her that I would need to check back with XXXX  XXXX and I would get back with MIDLAND CREDIT MANAGEMENT. She informed me to get back with her as soon as possible as this could " negatively effect my credit ''. 

Unfortunately, 48 hours later. The debt collection showed up on my credit report without notice. I would like it removed by MIDLAND CREDIT MANAGEMENT. I honestly do not have a problem paying the bill, but when a representative is ill informed and provides little to no information in regard to the debt she's attempting to collect. I find that highly unprofessional and somewhat disturbing.
Consumer complaint received 2020-08-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (AL)

Company is reporting a charged off account on my credit. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (LA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2020-09-27
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. (AZ)

I disputed these two addresses ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ) with Experian. I am a victim of identity theft ... thus they refused to correct an error. I've attached documents that XXXX  deleted these two unverified addresses but Experian STLL are reporting these two fraudulent addresses.

They refuse to correct information after being provided proof of inaccuracy.

Violation : Defamation, willful injury. 


LEGAL JURISDICTION : FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220 June 9, 1997, Filed ( D.C.

No. 95-cv-01743 ).
Consumer complaint received 2020-08-06
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-06
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX XXXX  XXXX XXXX {$21000.00} XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX