davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Knight & Hooper, PLLC (GA)

Received a letter from Knight & Hooper PLLC stating that they they are hired to represent XXXX XXXX XXXX XXXX ( which is no longer in business in since XXXX ). A motion to extend judgement from judgement dated XX/XX/XXXX. I have never had any business with XXXX XXXX XXXX XXXX. The case is to be heard in General Sessions court on XX/XX/XXXX at XXXX XXXX   Docket number XXXX. My concerns are one that the debt ( if valid ) is older than 6 years old and according to the state of Tennessee is past the statute of limitations. Additionally XXXX XXXX XXXX XXXX is no longer in business. Lastly there are many complaints filed against this law firm for attempting to collect fraudulent debt. Knight & Hooper , PLLC XXXX XXXX XXXX XXXX Tn XXXX. I believe that this is fraud and attempt to get a individual to make payment to them while trying to use scare tactics and legal looking correspondence. Please investigate and contact me as soon as possible. I believe that this is a fraudulent attempt by a Lawyer firm that has had several complaints for this type of activity in the past to collect money from unaware consumers.
Consumer complaint received 2021-03-21
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. (NE)

Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2022-03-25
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. (NJ)

Hello, my name is XXXX XXXX XXXX and 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. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I was trying to buy a house and I have just been recently checking on my credit report. While I was checking report I realized it was damages on my report. According to the 15 U.S.C 1681 law there should not be any damages on my report and its a defamation to my character.
Consumer complaint received 2023-12-10
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. (NC)

I am not liable for this debt with XXXX XXXX XXXX i do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as i requested Account name XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2021-03-21
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. (MS)

On XX/XX/2020, I mailed a letter requesting an investigation for inaccurate accounts listed on my credit report. It has been 3 months and I still haven't received results of an investigation.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WI)

My reputable lender XXXX sold my mortgage to what I feel is a predatory lender Carrington Mortgage Services. I had not received any information from them on making my payments. They didnt send a payment book.I found out on my own that they are charging me for making my payment on time for using either their pay by phone ( {$10.00}. ) or website ( {$5.00}. ). I am just disgusted I might as well be paying a credit card company to make my payment on time. When I called the gentleman in customer service just said different institutions have different policies, well I never signed up for their institution or their policy. My loan was due to be paid off in about 7 years and now I am going to have to look at refinancing just to get away from this unfortunate lender that I never signed up to do business with. I am really upset and at least I am in a position where I can look at another lender, others are not so fortunate. I hope someone looks into this. People should not be punished for paying for their homes.
Consumer complaint received 2020-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

Around XXXX to XXXX, I obtained student loans in amounts totaling about 23000. in XXXX these loans were consolidated with a American Education Services ( AES ) which called me over the phone and offered to help me with my repayment. I was set up for a payment plan that i thought was manageable, between XXXX and XXXX, but I did not know that it wasn't actually paying off my loan. I was only paying interest for about 10 years without any actual change. In XXXX I decided to consolidate with Fedloan and attempt to enter the Student Loan Forgiveness Program. During the re-consolidation I entered into delinquent status for not making the  regular payment on my loan, but I wasn't getting any feedback from the new loan holder Fedloan. Little did I know that these two companies are one and the same, and they could have both easily seen the status of my account. Of course this affected my credit score. But the worst part was that somehow my loan was compounded from an original balance of XXXX to XXXX when Fedloan took it over, which is close to what I still owe today. I have paid {$10000.00} total to fedloan, but have only paid {$2500.00} on my principal since XXXX. When I look at my payment history i see several months of payments going straight to the interest but nothing to the principal, even when i know I'm ahead on my payments. Meaning it should be going to principal. I believe this company AES/Fedloan/PHEAA is engaging in predatory lending practices and abusing their ability to manage borrowers money. I do not believe they intend on actually assisting borrowers with paying down their loans, but instead keep them confused about what exactly their payments are covering. Also, the fact that they go by different company names and can transfer a loan from one to the other and add several thousands of dollars should also be considered a fraudulent business practice. If i can speak to an attorney and explain my situation i believe i would have a case against this company for their misleading behavior and abusive business practice. i don't believe my complaint will actually help me or anyone else because i have seen other complaints come here to die. It is obvious that the corrupted practices of this company and this " official '' complaint service are nothing more than another dead end/misleading business practice.
Consumer complaint received 2020-03-15
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. (NV)

These are not my accounts, nor did I authorize these credit inquiries to be pulled from my credit profile. Additionally, there are some names that I don't recognize on my personal data, and I did not file bankruptcy.
Consumer complaint received 2024-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST HORIZON BANK (TX)

My mortgage loan was bought by First Horizon Bank, on XX/XX/XXXX, my property taxes are due on XX/XX/XXXX, my escrow account balance was also transferred and it had more than enough to pay the taxes, it seems like the deductions were made but my property taxes were not paid, now im delinquent. 
Property taxes were initially {$2600.00}, now they are {$2900.00} due to penalties, Ive called the mortgage company, and they told me to send an email, I sent an email explaining the situation and demanding for payment, but there has not been an answer and I fear that my house will get a lien .... please help in this situation, what can I do? should I just pay off the property taxes and get straigthen with my bank?, I shouldnt be going through this, the bank should have paid the property taxes from the escrow account on XX/XX/XXXX. 

Total XXXX Taxes Due by XX/XX/XXXX : {$2600.00} Payments applied to XXXX taxes : {$0.00} Total Current Taxes Due : {$2900.00} Prior year ( XXXX ) taxes due ( if any ) : - {$0.00} Total Amount Due For XX/XX/XXXX : {$2900.00}
Consumer complaint received 2020-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NH)

This is a copy of an email I sent on XX/XX/XXXX to NewRez LLC / Shellpoint Mortgage Servicing that describes the complaint as well. 

XX/XX/XXXX NewRez LLC / Shellpoint Mortgage Servicing XXXX. XXXX  XXXX XXXX, SC XXXX RE : NOTICE OF ERROR Dear NewRez / Shellpoint Mortgage Servicing Staff : I am sending this NOTICE OF ERROR to notify NewRez LLC / Shellpoint Mortgage Servicing for the fourth time that the company has NOT paid my Property Taxes for my property located at XXXX XXXX XXXX, XXXX NH XXXX. This tax was due on XX/XX/XXXX, and I am including a copy of the tax bill with this email. My Escrow Account with NewRez currently has {$5600.00} [ this amount is now {$6200.00} ], and has had plenty of funds in my account to pay this bill when and since it was due. 

This is the fourth time [ since the sending of this email, there were three additional contacts with NewRez for a total of seven contacts ] that I have notified NewRez LLC / Shellpoint Mortgage Servicing over the past month [ this has now been two months ]. I called your customer service department on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX [ later XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ]. Each time I was assured by your representatives that they could see the error and that the payment would be made as soon as possible, but that it could take a couple of weeks and that the company actually had 30 business days to make the tax payment. During the last call on XX/XX/XXXX, I was told that the matter would be escalated, and that I would receive a call back on Friday, XX/XX/XXXX, with a status. I did not receive a call back. At this point, I am very disappointed, but I am also very concerned [ on XX/XX/XXXX, I was told by a representative that the taxes were set to be paid on or before XX/XX/XXXX, so I have waited, and the taxes have still not been paid as of XX/XX/XXXX ; on XX/XX/XXXX, I was told that the issue has been escalated and someone should contact me back within 48 hours ]. 

Please pay the property tax payment of {$3300.00} plus any additional fees and interest, which representatives have assured me will be paid by NewRez, and resolve this matter as soon as possible. Please let me know if you need anything else from me.
Consumer complaint received 2021-03-21
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. (NY)

This account is not mine and has been re opened with new information. It was previously reported closed and then reappeared with a different account number associated to my name and derogatory payment history and now open with a {$400.00} balance. This is completely wrong information and the company told me the account was closed and then minutes later over the phone found another account, that I was told I had to pay. Completely fraudulent company and are doing nothing to help me get this out of my name and off my credit bureaus immediately!
Consumer complaint received 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  and TransUnion are reporting inaccuracies and conflicting information in my credit file for the following creditors. XXXXXXXX XXXX and XXXX XXXX. They reported 90 days late past due on XXXX, XXXX XXXX, XX/XX/2021. On XX/XX/2021 XXXX decreased my credit score by 97 points due to these 90 days past due from XXXX XXXX and XXXX XXXX. On XX/XX/2021 TransUnion reported XXXX XXXX and XXXX XXXX 90 days past due and decreased my credit score by 111 points. I dispute the late past due status with XXXX TransUnion, and the creditors XXXX XXXX and XXXX XXXX. On XX/XX/2021 XXXX  and TransUnion changed the past due late to current on the XXXX XXXX account. However the status remained late past due on the XXXX XXXX account. However, they did not change my credit score until I called them. When I checked my credit score a few days after speaking with them, XXXX increased my score by 45 point and TransUnion increased by 33. Neither credit bureaus increased my score to the number of points that they decreased it to when the late payments past due occurred. On XX/XX/2021 XXXX and TransUnion decreased my credit score again and reported 90 days late past due for the same creditor XXXX. XXXX  decreased my score by 48 points and TransUnion decreased my score by 61points. Neither credit bureaus increased my score to the amount of points that they decreased them on on XX/XX/2021. As of XX/XX/XXXX, both companies edit bureaus decreased my scores again and flagged these XXXX accounts late past due 90 days. This is inaccurate these account have never been late or delinquent. The creditors wrote me a letter stating it was an error and would be deleted. One of wrote me a letter stating they do know have any account in their records fir me. According to the CARES ACT I am protected and none of this should have happened.
Consumer complaint received 2021-03-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

A mortgage lein by NFCU from 12 yrs ago is preventing me from refinancing my mortgage in XXXX. During the XXXX subprime mortgage crisis, I was able to borrow a $ XXXX as a 4th mortgage on my primary home, to be use as a down-payment for a 2nd home finance through NFCU. With home market collapse during that time, I was force to file bankruptcy and short sale my 2nd home.. It started as Chapter XXXX but eventually converted to a XXXX. Due to predatory lending practices in XXXX and XXXX, my 2nd and 3rd mortgage release their leins, but not NFCU. I contacted them several times to release the mortgage lein to no avail. According to them the lein is still valid and they wanted it paid in full from remaining equity in my house if I refinance. I told them financially this might cause me to go to bankruptcy again. PLEASE ADVISE. I read several lawsuit on NFCU.
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

Wells fargo continued to charge overdraft fees on returned items until i was negative constantly and could never get caught up causing payments to be late or to bounce again. Held paychecks for up to 14 days and again charge more fees. Closed account because i was constantly in the negative
Consumer complaint received 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This account is not mine and has been re opened with new information. It was previously reported closed and then reappeared with a different account number associated to my name and derogatory payment history and now open with a {$400.00} balance. This is completely wrong information and the company told me the account was closed and then minutes later over the phone found another account, that I was told I had to pay. Completely fraudulent company and are doing nothing to help me get this out of my name and off my credit bureaus immediately!
Consumer complaint received 2020-03-16
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Loan Science, LLC (GA)

XXXX XXXX who is under a loan servicer called Loan Science have incorrectly reported incorrect information on all three credit reporting agencies. They reported that I was 120 days past due with my loans, which I am current. I have been paying my student loan payment of {$76.00} every month, which I have proof that it has been taken out every month for about 4 to 5 years. Two weeks ago, they reported incorrect information on my credit report that I was 120 days past due, which I was not and I am on the phone with them now and they do not know why that happened. They caused my credit score to decrease to almost 200 points from an XXXX. I am HIGHLY upset because the company had a system error or something. I want this correct immediately.
Consumer complaint received 2020-03-28
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. (FL)

id theft victim chapter XXXX bankruptcy. fraud account professional debt me XXXX   XXXX XXXX XXXX XXXX  {$6300.00} XXXX XXXX XXXX not my account. fraud account
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NY)

never told me about {$18.00} overdue balance have tons of credit, and then they decided to report me without notifying me at all about the balance. I have almost all my accounts on autopay, this one is not LOOK at my record. They are trying to use systemic fraud to collect late fees by not informing their customers its only a few bucks for me which I paid immediately but these guys are definitely fraudsters and should pay the price. I will be paying the price unless this is completely removed from my credit. I am taking them and all the agencies to small claims court, I just had to wait for it all to show up on my credit reports to do that. Maximum damanges and possibly individual cases. Hopefully you can do something to to stop this fraud! Thanks!
Consumer complaint received 2017-10-13
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. (MA)

I filed a dispute related to fraudulent activity being reported by TransUnion on XXXX XXXX, XXXX. They are showing an account that was charged off by XXXX XXXX XXXX. I received a response on XXXX XXXX, XXXX stating that the fraudulent activity was valid and Transunion refused to remove it. I called Transunion on XXXX XXXX, XXXX in order to attempt to reopen the investigation and was told by the representative that I would have to get a police report and letter from the creditor in order for them to remove the item from my report.
Consumer complaint received 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2021, I mailed a letter requesting an investigation for accounts listed on my credit report to be verified. I only received a full copy of my credit report which was not what I asked for. I mailed a letter stating this on XX/XX/2021 and I still haven't received any results of an investigation.
Consumer complaint received 2020-03-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC (VA)

I have this {$1000.00} dollar loan since XX/XX/XXXX. As of today, I owe {$810.00}. They take a total about {$300.00} a month, split bi-weekly payments and i am still not finished paying them. Recently, i noticed that there has been a complaint filed against Mobiloans because of high interest rate, which Virginia won the case. Because of this I received an email on XX/XX/XXXX from Mobiloans stating that they are no longer doing business with Virginia  customers.