davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (WA)

There is a 30-day late reporting on my son XXXX XXXX XXXX ( last four of SS # XXXX ), wife XXXX XXXX XXXX ( last four of SS # XXXX ) and my, XXXX XXXX XXXX credit reports due to a clerical error. 

We have a mortgage loan with United Wholesale Mortgage ( UWM ). There is a 30-day late that occurred in XXXX/XX/XX/XXXX. An auto mortgage payment to UWM ( account # XXXX ) for the property located at XXXX XXXX XXXX XXXX XXXX, WA XXXX, was missed in XX/XX/XXXX, because UWM cancelled our auto-payment when UWM shut down the old website and did not set the auto-payment back up when they launched their new website. 

Also, UWM did not send an email specifically informing us to re-register our auto-payments on their new website. We received an email on XX/XX/XXXX with the title New Website is Coming Soon. Buried in the second paragraph of that email was the wording, you'll have to re-register even if you have a user account on our current site. It said nothing about our auto-payment being cancelled if we didnt re-register. It also did not specify exactly when the new site would be launched. On XX/XX/XXXX we received an email titled, Our new website is live! Check it out! Again, there was no mention of our auto-payment being cancelled. 

We purchased the home in XX/XX/XXXX. We made our first payment in XX/XX/XXXX and made every payment on time through the auto-pay feature, scheduled to pull from our account on the XXXX of each month. XX/XX/XXXX our auto-payment was made. The XX/XX/XXXX auto-payment was not made because the auto-payment had been cancelled by UWM. We discovered the missed payment just seven days later, on XX/XX/XXXX. We made a one-time payment that day, then created a new account on the new website and set up a new auto-pay that is working great and no payments have been late or missed since. 

Because of the lack of clear communication from UWM, both my son XXXX ( last four of SS # XXXX ), who is the owner of the home and my wife XXXX ( last four of SS # XXXX ) and my ( we are co-signers on the account ) credit took very big hits. Wed appreciate any help to remove the late payment from our credit reports. Thank you for your time and consideration.
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you well. I am writing to address an issue I have discovered on my credit report with your bureau. After reviewing my credit history, I noticed that there are late payments recorded on my account. I am writing to dispute this late payment and request its removal or correction from my credit report. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-10-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I currently have a debt that is impacting my credit report that I have no way of paying back to Portfolio Recovery and Associates. This debt was originally contested as fraud but was dismissed. At the advice of Portfolio Recovery. I tried applying for a permanent hardship because they assured me that they wanted to and were capable of helping me, but it was applied as just a temporary hardship from XX/XX/21 to XX/XX/21. I applied for the permanent hardship because my wife was diagnosed with XXXX. I supplied the documentation showing such, but the Portfolio Recovery responded by stating that since I, the borrower, am not the one that was diagnosed with the illness than my situation can not be categorized as a permanent hardship. This is most definitely a permanent hardship situation. I can only work part time now because I have to tend to my wife as the XXXX attacks her. The bulk of my income goes to paying the bills ( rent, XXXX XXXX XXXX food, water, etc etc ) and my wives medical bills. It is cold and callous of Portfolio Recovery to say that my wife and partner being diagnosed with XXXX is not a permanent hardship. This is a hardship to all of us that are helping my wife through this terrible time. This is not anything that will be cleared up anytime soon. This mark on my credit is hurting us from applying for a credit card and so that it may give us a bit of breathing room in the months that I come up a little short on the bills. Please re-examine this and see that I truly am in a permanent hardship at this time. Thank you.
Consumer complaint received 2021-10-07
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 — Investigation took more than 30 days
Company: Herbert P. Sears Co., Inc. (CA)

I am writing this today because I unfortunately have been dealing with a collection agency who completely violate my right as a consumer. I first contacted HP Sears about an item I found on my credit report from them. Upon contacting them they responded only once and have yet to respond to me the second time. I have given them 45 days and counting and still have not received a reply back from them. They are trying to ignore me and my rights as the consumer as they are choosing to deliberately ignore me and my request.
Consumer complaint received 2021-10-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (GA)

I mailed off a debt validation on XX/XX/2021. The company has not responded with any documentation to prove this debt is valid. Im the validation I specified that I needed the information sent back to me within 30 days and it has not been today it is XX/XX/2021.
Consumer complaint received 2024-02-27
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: Experian Information Solutions Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2021-10-07
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: Experian Information Solutions Inc. (IL)

Experian/XXXX  XXXX is reporting a unverified invalidate charge off on my credit report in the amount of {$270.00} They are in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification for. 
The was no written form of communication contact or signature the accused debt at all. 
They sent a bill via mail That is not a signed contract! Bearing my signature agreeing to pay said amount They are required to provide the original contract agreeing to pay this amount bearing my signature Provide / prove that the limitations had not expired this account Show that they are licensed to collect in my state Validation must include pay off disclosure Interest rate disclosure Balance history Payment history Credit insurance
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Financial, Inc (FL)

XX/XX/2021 I started to buy my first home. My offer on XXXX XXXX XXXX Fl was excepted and I started all the process of Appraisal, Inspection and survey. All required and I PAID FOR for my FHA Loan. My 1s Appraisal the seller agent tried very hard to get me to drop out because he had a cash buyer. I would do that. And he constantly kept trying. I had the survey done ( I PAID FOR ) done but Fidelity Title Company XXXX fl took upon themselves to give my survey ( I paid for ) to the seller agent and NOT to me, my realitor ( XXXX XXXX and her broker XXXX ). or to XXXX XXXX ( where I was getting my loan through ). This was done WITHOUT MY PERMISSION. Through all this I had to seek counsel from XXXX XXXX. A added financial burden that should have not had to happen. I personally feel ALL those involved in this ILLEGAL & UNPROFESSIONAL ACTIVITY should be accountable. I also feel the seller agent and broker needs to be held accountable for their UNPROFESSIONAL action.
Consumer complaint received 2021-10-08
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. (GA)

In XX/XX/2020 an derogatory account was reported for the amount of {$21.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ). I am in desperate need of this account being removed.
Consumer complaint received 2021-10-08
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. (SC)

XX/XX/2021 I wrote my dispute letter to the credit bureaus about few items that I seen on my credit report. all my letters that I sent out was certified so I can keep up my documents. I will attach my letters, return receipts and my proof of identity so you can help me with this matter because this is crazy and outrageous that these credit bureaus are putting these items on my report like this and I don't appreciate it not one bit. It's effecting me to a point that is making it hard for me to get approved for a mortgage so I can get my family a house.
Consumer complaint received 2023-03-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is reporting an inaccurate account on my credit reports that I have been disputing for some time now. This account is reporting open but there have been consistent late payments reporting each month when the monthly payment for this account is showing as {$0.00}. How is the account late if there is no monthly payment owed? Further more, there are reporting that payments were captured in the same month that the account was late. How is this possible if there is a monthly payment of {$0.00} and if there was a payment made how can the account be late? It is the responsibility of the consumer reporting agencies to report accurate information and conduct a thorough investigations into disputes and this has not been done. The inaccurate and inconsistent reporting of this account has caused so much distress and for me to be denied when I am at no fault. The consumer reporting agencies are in violation in reporting this account per the FCRA and I am demanding that this account is deleted from my reports!
Consumer complaint received 2021-10-08
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. (NJ)

i disputed this item as fraud multiple times and presented a offical police report and they still refuse to erase it from my credit because it was wrongfully disputed not in a manner that they could erase it
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

ALL 3 CREDIT AGENCIES CONTINUE TO VIOLATE " FCRA '' SECTIONS 604,605A, 605B, 607, 611, 623A... WITH REPORTING OUTDATED SINCE XXXX INCORRECT " PACER '' DATA OF PUBLIC RECORDS NOT MY ACCOUNT AND NEVER HAD ANY CH 7 BANKRUPTCY
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ALL 3 CREDIT AGENCIES CONTINUE TO VIOLATE " FCRA '' SECTIONS 604,605A, 605B, 607, 611, 623A... WITH REPORTING OUTDATED SINCE 2014 INCORRECT " XXXX  '' DATA OF PUBLIC RECORDS NOT MY ACCOUNT AND NEVER HAD ANY CH XXXX BANKRUPTCY
Consumer complaint received 2021-10-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Collector : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$340.00} Collector : XXXX XXXX  Account Number : XXXX, XXXX Balance : {$320.00}, {$320.00} Collector : XXXX XXXX XXXX Account Number : XXXX Balance : {$500.00} Collector : XXXX XXXX Account Number : XXXX Balance : {$230.00} This is a formal complaint against XXXX, XXXX, and TransUnion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I've been working on these accounts and I'm on my fourth dispute letter. I still see some information on the items such as the date of last activity which is reporting on three different dates. There is only one original source so the dates should be the same for all three bureaus. The XXXX XXXX XXXX is reporting on three different dates. I have asked the credit bureaus to re-investigate the account and correct the reporting but there have been no changes at all to their reporting.
Consumer complaint received 2021-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Illinois Collection Service, Inc. (IL)

Illinois Collection Services has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my XXXX  private information including medical record number and date of a XXXX  XXXX. I have never signed a contract with this corporation & have no idea how they gained access to our personal private information. My request has gone ignored for a month now & I am enforcing the law. A notice of default has been sent to the company via certified mail.
Consumer complaint received 2023-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I have requested the escrow to be removed and it was approved after a couple of tries during the XXXX. I was told the check was mailed on XX/XX/XXXX, but I have not received it as of date. I have contacted them on a weekly basis since then and asked them to research and get the check to me ASAP as my school taxes are due and need this money ( ~ {$2600.00} ) to pay it. 
SPS keeps dilly dallying and are not able to provide the proof of disbursed check nor are willing to electronically transfer the funds, or apply to the outstanding balance. It is close to 60 days now and they keep saying XXXX more business days every time I call.
Consumer complaint received 2021-10-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I have tried to send Multiple disputes regarding my credit report with no response. I call and still do not get a response. I sent multiple letters with out a response over 30 days ago.To this day over 40 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute.
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (TX)

I am the XXXX  for a small not for profit XXXX that supports the local middle school. We bank with BBVA. On XX/XX/2021 went on-line to pull the bank statement for a local and noticed there was a bank charge with a very vague description. I called the bank for more information on the charge. I was on hold for over 30 minutes. When I finally reached a representative she told me that the charge was probable for an excess deposit. She could not give me the terms for the bank account or describe what constituted an excess deposit ( the XXXX had made less than {$3000.00} is deposits for the month in question ). She then told me the terms of the account were unavailable and unknowable. I requested the charge be reversed since the bank could not articulate why the fee was charged, could not give me the terms for the account or otherwise indicate how the mystery fee could be avoided in the future. She declined to reverse the charge and only offered that I call back in a week and hopefully at that point they would know what the terms were on the account.
Consumer complaint received 2021-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I have been getting repeated phone calls since the past one month from Transworld Systems Collection Agency, the number is XXXX. 

They have been asking for a debt for their client XXXX XXXX for an amount of {$430.00}, which I have never owed and that I do not even know who this energy company is. 

They have also got access to my credit and that my credit points have been affected because of this breach.
Consumer complaint received 2021-10-08
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. (TX)

I sent letters to Equifax on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 45 days and the Bureaus have not corrected the errors on my report. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt hasn't been updated. I demand these accounts be blocked, deleted and removed from my consumer report. These negative and derogatory items are impacting my personal goals of buying a house and starting business ventures. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are keeping me from doing so. This is very unfair.
Consumer complaint received 2024-01-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (FL)

XX/XX/XXXX I received notification from the Florida Homeowner Assistance Fund that was was approved for Mortgage payment assistance for 18 months ( XX/XX/XXXX - XX/XX/XXXX ) and approved for an additional amount of {$3300.00} that could be applied towards late fees or past due amounts, which I did not have any late fees or past due amounts, since I was previously forced into a Loan Modification at the end of XXXX after Mr. Cooper started rejecting my mortgage payments and sending them back to me. I never received notice of XXXX XXXX, but was charged multiple attorney fees. I reached out to Mr. Cooper to ask why was the money received from HAF being placed in a suspense status and not being applied to my loan. I was initially told they did not know where the money was coming from, but since I called to make them aware that it was funds from HAF, it would be, but it had to be handled by a special department that handled HAF funds. I emailed them several times requesting that the funds be applied to my account. As recent as XX/XX/XXXX, this still has not been rectified. Before I was made aware by the Homeowner Assistance Fund ( HAF ) that they had began to send my monthly mortgage payments I also was continuing to make my monthly payments. I am being told by Mr. Cooper they would need to research this matter, after I provided proof of duplicate payments that continue to not be applied to my account. They even did three escrow analysis without my knowledge in a two month timeframe in order to increase my monthly payments, after I paid the initial escrow shortage to keep my payments the same. Mr. Cooper has changed my payment three times without reason or my knowledge in XXXX. There has been several discrepancies on their behalf, example HAF sent a lumpsum payment of {$3300.00} on XXXX XXXX. Mr. Cooper applied {$3200.00} to my account as Miscellaneous on XX/XX/XXXX, which I have no idea what Miscellaneous is and still have yet for this to be accounted for. HAF then sent a monthly payment amount of {$1000.00} on XX/XX/XXXX that was not applied until XX/XX/XXXX, another payment of {$1000.00} was issued by HAF on XX/XX/XXXX but was in a suspense status until XX/XX/XXXX. This is not including the payments made online to my account by me on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as duplicate payments. I was told by the Mr. Cooper representative on XX/XX/XXXX that they can only address the missing payments that I made to them, they can not account for the payments that may not have been applied from HAF. I have missing payments that still have not been applied, however ; Mr. Cooper as recent as today XX/XX/XXXX is reporting my loan as delinquent on my credit reports.
Consumer complaint received 2021-10-08
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. (TX)

I have been disputing these accounts with the credit bureaus for some time now. They are Reporting that I have charge off accounts with XXXX and XXXX. I am not familiar with these accounts, I did not authorize these accounts to be open and they do not belong to me. I have contacted the credit bureaus about this issue and they told me to contact the direct creditor which I did and they were not able to verify these accounts belong to me so how is it that XXXX and Equifax are able to verify these accounts? How are they getting their investigation results? I would like to know because I have received nothing in the mail from either of them explaining how they are able to verify inaccurate information on my credit reports. I am sure there is a law that proves it is illegal to report inaccurate information and this matter should be corrected as soon as possible.
Consumer complaint received 2021-10-08
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: Bread Financial Holdings, Inc. (MA)

This account is being reported with repetitive XXXX  marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.