davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (TX)

My Mortgage company, Mid America Mortgage, has refused to comply with the basic requirements of the CARES Act which allows homeowners facing difficulties because of COVID-19 to get a 180 day forbearance from paying the monthly mortgage premium. It enjoins the mortgage servicing company not to charge any late fees or report the lateness to a credit bureau. It even gives room for a further 180 day extension or any other further assistance. 
When contacted Mid America Mortgage last week, I could not get a representative. When I finally got through this morning, I was advised by a representative, XXXX, that they can only commit to no late fees and credit reporting for the period, but that I must still make a payment during the period. Also, that the entire amount for the 180 days will be due at the end of the 180 days if no payment is made. In addition, she directed me to the website to download and send a Loss Mitigation form with supporting documents in order to secure approval for any forbearance.She used the term, " informal forbearance ''. found that strange and contrary to the CARES Act. It is illegal to have a mortgage servicing company violate an Act of Congress even in this trying period. The palliative offered by the Federal Government is being made impossible by this lender. 
We hereby file this formal complaint against them as a result.
Consumer complaint received 2020-04-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: HFS Financial LLC (CA)

On XX/XX/2020 I applied for a Pool Installment Loan on the HFS Financial Website located at '' https : //www.hfsfinancial.net/ On the same time shortly after, I received a " conditional approval '' email letter stating that I was approved. 

I spoke with " Senior Loan Consultant '' XXXX XXXX on XX/XX/2020. XXXX 's tone was very rude and condescending. Apparently my credit score had decreased since the last time I had applied in XX/XX/2020. I was attempting to explain my situation to XXXX. He abruptly cut me off and the call ended. 

I attempted to look up HFS Financial NMLS # 's and I was able to find one regarding : '' Credit Services Business License '' but Installment Loans license is not active. This company is essentially a broker finding banks/credit unions to write installment loans and they are receiving a commission for doing so. 

XXXX also has no license that I could find in NMLS national registry. How can he be working doing loans and pre-screening without a proper license?
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
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)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of XXXX XXXX, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX XXXX 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2020-04-06
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: EQUIFAX, INC. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2022-12-29
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. (CA)

This is my sixth endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
: XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX WY XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These inquiries were not authorized by me and I strongly suspect their legitimacy. I urge you to conduct a thorough examination and promptly eliminate them from my credit history. I have provided supporting documentation for your assessment.
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (NV)

credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (AR)

I received a denial of finance from an auto dealership. And listed as a credit reporting agency is SageStream. Besides the fact that they are mostly unheard of, how can it be fair to consumers for this invisible company to rate our credit when they obviously use a totally different means of using their information. And with them having close ties to these other companies that sell consumers products and services that are closely tied to needs/ideas of the information they are reporting on?
Consumer complaint received 2020-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

I have been talking with a XXXX XXXX a Senior Vice President at Bayview about a couple of issues and I am ignored and jerked around by this company. I guess the people at the CFPB are just as big of XXXX as the people at Bayview are because the CFPB does nothing. I guess all the new Federal laws and mandates with the C-19 going around Bayview just ignores you. Maybe some ignorant XXXX at the CFPB should do something and help people since that is what they are suppose to do.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Erroneous Direct Violation Of The FCRA Professional Debt For two years now Ive been disputing these items I'm getting so angry please please remove these XXXX from my credit report these are fraudulent i file a police report and FTC REPORT XXXX WILL BE SUED and lawyer will be contacting XXXX if these items are not removed in the next two weeks!!!!! 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report.
Consumer complaint received 2020-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

THE XXXX XXXX XXXX, XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2020-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (VA)

On XX/XX/XXXX I sent Penn Credit the exact letter below. I provided them with the correct information and my address was included. They have yet to reply and it is the XX/XX/XXXX. I believe this falls within the 30 days and debt should be removed. I also provided them with a copy of my credit report show the debt was still being reported despite my request to stop reporting it. I also verified that my letter was received by Penn Credit over a month ago. 

Account info XXXX Collections date XX/XX/XXXX Balance {$1900.00} Original {$2100.00} Penn Credit XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. During the reported date opened I was overseas and without any services in the United States. 

Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

With Regards, XXXX XXXX
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 — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX must be deleted for inaccurate credit reporting they must report all monthly payments all monthly late payments date of last activity the months that show payments was good and the months payments were late the date of last activity and Payment Frequency must be reported the report is not accurate without this information and must be deleted
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc. (MI)

My complaint is with Seventh Avenue, a Catalog Clothing Store. I ordered 2 items from this catalog. I paid them off in full with Money Orders. I had problems with Seventh Avenue because they tried to act as if they didn't receive the money orders. Once they finally acknowledge my payments. I knew I would never do business with them again. Months down the line I see on my credit report with XXXX a past due charge of {$530.00}. This charge lowered my credit score. 
This came to my attention immediately because I was in the process of cleaning up my credit. No program. Just addressing each charge separately. I disputed this charge with XXXX. I called Seventh Avenue and they sent me this letter to file an Identity theft report. I was living at XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX when the catalog was sent without my request. When the charges appeared on my credit report I was and still am living at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX. I don't know if the tenants who moved in after me on XXXX XXXX used the catalogue or if Seventh Avenue put new charges on that catalog. I know that I did not do it. I filed a police report with the XXXX XXXX. Police Department.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (OK)

I made a dispute for transactions that were unauthorized .i was told that i could get a provisional credit if i submitted paper work in 10 days .. I decided to wait the 45 days for my dispute to get approved .. They refunded the money and i thought that was it .. Then 2 days ago right before my direct deposit hit my account they reversed the credit therefore putting me in the negative over the amount of my dd.. I called numerous times was hung up on twice stayed on hold for more then 4 hours to get issue fixed and never got the issue resolved so i asked to have a manager call me but they never did .. The wait times are rediculous and i have a XXXX dependant at home and i needed the money from my dd to hit .. Then i stayed at XXXX XXXX  and signed a paper for a XXXX dollar incidental fee and when arriving at motel asked for a room with fridge .. The room the manager said she would put me in a buisness room and upon getting grocerys the next morning realized there was mo fridge and other items.. When i checked out nothing was said and then waytogo let them overdraft my account XXXX dollars because hotel said items were in room which was not the case and the paper i signed was for XXXX not XXXX ..i called and finally got to do a dispute after hours of being on hold and inquired why it is my account. Could be negative that much when its prepaid and was told that if money is in account then they could overdraft amount that company charges for .. Then i read terms and conditions and it said that there is no overdraft so now its monday and bills are due and cant pay them or by things for my dependant .ive called 4 or 5 times and waited on hold more then 3 hours only to be hung up on .. I need the money to he put back so i can feed my household .. They also charge XXXX cents for every balance inquiry but dont have a choice to skip the balance inquiry .. Plz refund my money and also like to know how i can switch my unemployment to my own bank .. I also cant change my address so mail is getting shioped to wrong address .. But is current with unemployment
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per XXXX a XXXX XXXX XXXX servicer the XXXX  loan was forgiven on XX/XX/XXXX. But did not get reported to the credit bureaus until XX/XX/XXXX. Someone needs to pay me {$1000.00} per month from each credit bureaus. Not reporting on time correct information. This has caused emotional stress and embarrassment. Per the United States code 15 USC 1681.
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 — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX must be deleted for inaccurate credit reporting they must report all monthly payments all monthly late payments date of last activity the months that show payments was good and the months payments were late the date of last activity and Payment Frequency must be reported the report is not accurate without this information and must be deleted
Consumer complaint received 2022-06-03
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. (NY)

I disputed incorrect information contained in my credit report in a letter dated <Date> ( please see enclosed copy ). I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely response from your bureau. 
Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the XXXX  XXXX  your bureau has caused me. 
Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. 
I thank you for your kind attention to this matter and hope to receive my updated credit report soon.
Consumer complaint received 2023-02-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

My house caught fire and burned down on XX/XX/2021. My insurance company XXXX paid for the damage to my home and it was placed into an escrow account monitored by Mr. Cooper. I unfortunately was paid an initial amount out of the insurance funds which was stolen by the contractor. I have since accumulated the funds to get the house underway and have attempted to get additional insurance funds being held in the escrow account to continue with rebuilding my home. Mr. Cooper has repeatedly made false statements, inconsistent statement and blatantly stalled providing any further funds to me for my home. They reported one inspection of the home was at 10 % completion and needed to be at 25 %. On the second inspection they said my home was at 1 % completed. How can you unbuild a home? It has 4 outside walls, a roof, floors, interior walls, windows, doors and a full basement with poured concrete. Countless hours have been spent on the phone getting understand what they are doing and why no monies can be released which is hoping up the progress on my home be finished.
Consumer complaint received 2022-02-12
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: ACIMA CREDIT, LLC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Glass roof of ongoing push by credit reporting agencys to keep credit scores under the XXXX score to prevent people that recieve moneys from us goverment programs under the poverty leavel poor and with low scores, even inXXXX wien i paid all owed and due to my creditors they blocked payments of charge-offs and took nevitive action after that ended-up being denided credit for decades as a lawfull us citizen, they would update right befofe it was to fall off my report keeping it on report or sell it from agency to agency to keep it on my report even the ones from early 1990 's that they forced me too pay XXXX XXXX fee for XXXX XXXX credit that they later made illegal, updateing was a way they delayed posting timely payments HELP HOSEST POOR UNEMPLOED XXXX XXXX XXXX