davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-07
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: MONEY SOURCE, INC., THE (CA)

Hi, I am writing to ask for your help with regards to my mortgage lender > The Money Source. 
In early XXXX, I contacted this company thru their website. I informed them that I am having a hard time making my mortgage payment due to the pandemic. I notified them that I lost about 30 % of my income. So, I asked them if they have a program that could help me lower my monthly payments. About a few days later, I had a call from one of their representatives and asked me if I am interested in discussing this matter with a person from XXXX. I agreed. That person from XXXX is very helpful and friendly. He tried to help us get a loan ( still under process ) to lower our payments. 
While this refinancing is in progress, I was under the impression that my mortgage is under forbearance ( something new to me ). Since money was tight, I was not able to pay my mortgage on time in the XXXX of XXXX. I had some money that arrived from the tax refund ( of which I was saving for the closing cost for the refinancing. ) Consequently, I was not able to pay my XXXX mortgage and The Money Source reported this as delinquent to the credit bureaus. My son and I co-signed for the purchase of our home. Therefore, our credit scores were badly affected by the report. 
Upon realizing that our credit reports dropped substantially, I called TMS and asked what happened, since I previously told them that I asked for their help with my mortgage payments due to my hardship as a result of the pandemic. TMS representative told me that my case didn't go under forbearance, unfortunately, so they reported my one month delinquent mortgage payment to the credit bureaus. 
My main concern is that my son who is XXXX years old, just started a new job with an Investment Banking company, is on the brink of losing his job because of a negative credit score ( thru no fault of his own ). 
To be able to get approved for our current refinancing will be a tremendous help to our finances. And I believe that to have our credit back to positive ( where it was before the delinquent payment report ) would help us get an approval for the refinancing we're doing now. Note : I immediately paid the one month payment due last XXXX on XX/XX/XXXX. 

Please help us resolve this problem. Thank you for your anticipated assistance. 

Sincerely, XXXX XXXX email> XXXX Cell phone # XXXX XXXX loan # XXXX
Consumer complaint received 2023-06-28
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: Kovo (IL)

I was never late. My family and i thinks its odd that Ive never held a balance at this company and also having auto pay that This company found a way to add negative marks on my credit for not paying on time. This is incorrect and has forced me to not qualify for a home the last 2 years. 

Account info Account name KOVO INC Account number XXXX Account type Sales Contract Responsibility Individual Date opened XX/XX/XXXX Status Open. {$10.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$180.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$10.00} Original balance {$240.00} Highest balance - Terms 24 Months Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days Payment history guide 30 days past due as of XX/XX/XXXX By XX/XX/XXXX, this account is scheduled to go to a positive status.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I originally had an auto loan for a XXXX XXXX with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX, I totalled the XXXX and my insurer ( XXXX XXXX XXXX ) received a 10 day payoff from XXXX XXXX due to the vehicle having been declared a total loss. XXXX received a payment via check in the amount of {$11000.00} on XX/XX/XXXX. The attached paperwork that I received directly from XXXX XXXX shows the payoff was valid until XX/XX/XXXX. I also received a {$3500.00} payment from XXXX XXXX after they paid the lien holder as this is always the case if money is due after the lien is paid. I started looking at my 3 credit reports, XXXX failed to submit the correct payment of {$11000.00} they received from XXXX XXXX for the 10 day payoff XXXX provided to XXXX XXXX. After checking my reports, in XX/XX/XXXX XXXX reported that I was 30 days past due, XX/XX/XXXX I was 60 days past due, XX/XX/XXXX I was 90 days past due then in XXXX, XXXX charged off {$180.00}. How is it possible after a vehicle is declared a total loss to be 30,60,90 days late after the lien holder has received payment in full and released the lien to the insurance company for that matter. This account still appears as a charge off as of XX/XX/XXXX. I have screenshots from each of the 3 creditors showing the inaccurate information that has been reported since XX/XX/XXXX. I also have my original sales contract, {$8000.00} down payment receipt as well as billing statements, and documents from XXXX XXXX that support this claim.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OK)

Many years ago I paid a collection with XXXX XXXX and was advised that the tradeline would be removed from my reports. It was removed from XXXX and XXXX, but remains on Equifax. I recently contacted XXXX XXXX and spoke with XXXX. She advised me that they had requested for the collection to be removed years ago and no longer had any record of it. She suggested that I contact Equifax, which I have done multiple times.
Consumer complaint received 2023-06-28
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)

After reviewing my credit file, I am writing to dispute the incorrect account in Exparian, and XXXX. 

Experian XXXX XXXX Bankruptcy XXXX Court : US BKPT CT NJ XXXX XXXX XXXX XXXX Bankruptcy XXXX Court : U.S. Bankruptcy Court
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

RE : Credit Inquiries Equifax Credit Report There must be another person with the same name as me. There is inaccurate credit inquiries on my credit report. I am not aware of the credit inquiries circled on the credit report attached. 

Please provide me documentation bearing my signature, so that I can validate these credit inquires. 

I am requesting the documentation from credit companies, if they fail to provide me the documentation bearing my signature, then they must delete the account from all the reporting credit bureaus. 

Please address this matter within five business days of receiving this letter.
Consumer complaint received 2018-06-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I sent a certified dispute to this bureau about a closed old account labeled XXXX XXXX. 

So, basically the dates are not right and I wanted the bureau to delete the account completely considering the delinquencies are actually from XX/XX/XXXXbut for some reason were not reported until XX/XX/XXXX. Delinquencies were not from XX/XX/XXXX. The card was already closed in XX/XX/XXXX. Considering I have not heard back from them in already over 30 days I would like to just have it deleted for an accurate report and abide by FCRA law 605 15 U.S.C. section 1681 ( c ).

Also, a major concern I have, Still I noticed that the item is not appearing as disputed so that I know at least that they are investigating this and that has violated FCRA 605 15 U.S.C section 1681 ( f ). No indication of dispute present
Consumer complaint received 2017-08-23
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. (VA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the major credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see by Verifiable Proof ( an original Consumer Contract with my Signature on it ) from Transunion, XXXX, and XXXX what they have in their possesion on file of the derogatory accounts listed on my credit report as well as the unauthorized inquiries with no success. All three credit bureaus failed to positively verify by physical verification as requested by me on several EVERY SINGLE MONTH for these accounts that has hurt my ability to obtain credit. I repetitiously dispute Under the FCRA that unverified accounts must be removed if you are unable to provide me a copy of verifiable proof. My requests have gone ignored and per FCRA you must remove any and all of the accounts that can not be physically verified. XXXX, XXXX, nor TransUnion have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
I informed all three major credit bureaus that The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if the credit reporting agencies fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
In the results of their first investigation and subsequently in their re-investigation, they stated in writing that the accounts were verified that these items are being reported correctly. When I asked Who verified these accounts and for physical proof? XXXX, XXXX, or Transunion have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA All major credit bureaus are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2022-01-25
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)

I originally had an auto loan for a XXXX XXXX with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX, I totalled the XXXX and my insurer ( XXXX XXXX XXXX ) received a 10 day payoff from XXXX XXXX due to the vehicle having been declared a total loss. XXXX received a payment via check in the amount of {$11000.00} on XX/XX/XXXX. The attached paperwork that I received directly from XXXX XXXX shows the payoff was valid until XX/XX/XXXX. I also received a {$3500.00} payment from XXXX XXXX after they paid the lien holder as this is always the case if money is due after the lien is paid. I started looking at my 3 credit reports, XXXX failed to submit the correct payment of {$11000.00} they received from XXXX XXXX for the 10 day payoff XXXX provided to XXXX XXXX. After checking my reports, in XX/XX/XXXX XXXX reported that I was 30 days past due, XX/XX/XXXX I was 60 days past due, XX/XX/XXXX I was 90 days past due then in XXXX, XXXX charged off {$180.00}. How is it possible after a vehicle is declared a total loss to be 30,60,90 days late after the lien holder has received payment in full and released the lien to the insurance company for that matter. This account still appears as a charge off as of XX/XX/XXXX. I have screenshots from each of the 3 creditors showing the inaccurate information that has been reported since XX/XX/XXXX. I also have my original sales contract, {$8000.00} down payment receipt as well as billing statements, and documents from XXXX XXXX that support this claim.
Consumer complaint received 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AZ)

Loan Depot ( NMLS # XXXX ) does not normally answer their phones and does not return a phone call. When I do get through to a live person they say they will call me back and then I never hear from them. 
This has been going on for the 8 months I've been with them. 
XX/XX/XXXX XXXX sat on hold for 15 minutes at XXXX XXXX XX/XX/XXXX XXXX sat on hold for 31 minutes at XXXX XXXX  XX/XX/XXXX XXXX on hold for 4 minutes before I was able to leave a message asking for a call back / XXXX XXXX XX/XX/XXXX XXXX on hold for 13 minutes before I was able to leave a message asking for a call back / XX/XX/XXXX XXXX got transferred to customer service and no one answered that call XX/XX/XXXX I emailed and XXXX XXXX ( Processing Assistant Manager ) who helped originally with the closing of my loan. She informed me that XXXX XXXX ( loan officer ) was no longer with Loan Depot and she would locate someone to help me. I never heard from her again.

At one point during all of this I got ahold of a XXXX at XXXX and she assured me she would get back to me. She returned my call and I missed it so I called her back a few times and she never returned my call. 

Fast forward to when my XX/XX/XXXX loan amount went up and I couldn't find out why online. Tried calling loan administration and no one answered.

To eliminate LD affecting my credit, I paid the higher amount. 

XX/XX/XXXX received a letter from LD stating I should have a refund in my insurance account and to contact my previous insurance company ( I've been with the same one for 5+ years ) and ask for a refund and then send the refund to them. I contacted my insurance company and they had no clue why I received that letter. 
I attempted to call LD which I've listed below. Note I've been calling the number on the bottom of the letter they sent. XXXX XX/XX/XXXX auto disconnected as I sat on hold XXXX XXXX XX/XX/XXXX on hold for 35 minutes XXXX XXXX  XX/XX/XXXX auto disconnected as it told me to hold for a representative XXXX XXXX  Called " insurance department '' of LD at XXXX and a very kind lady named XXXX XXXX and she told me it was for business to business calls only and she gave me a customer service number to call, then she transferred me. 
XXXX Disconnected while holding for next representative. 
XXXX I called back at XXXX and was on hold until I was auto disconnected at XXXX XXXX. 


I have attempted 3 times to have bi-weekly payments set up so I can pay off my loan faster. Each time, I took a screenshot of the completed form with all of my banking information, date to start etc. Each time a received a letter that they received a blank form from me ... ..even though I have proof. This is why I was attempting to reach them in XXXX. It's still unresolved because I gave up. 
How does a large mortgage company get away with not servicing their customers?
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Please be advised I am not disputing the accuracy of the public record. 
I want the public record deleted because the FCRA Laws not being followed by the companies below. 

In Accordance with the Fair Credit Reporting Act. These Cooperation 's below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX Solutions ) ( LCI ) 1 ). 15 USC 1681 section 602 A. States I have a right to privacy.

2 ). 15 USC 1681 section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.

3 ). 15 USC 1681c Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act ( Chapter 7 included in the Bankruptcy Act ). 

Please see attached companies who violated the law and them explaining how they broke the laws.
Consumer complaint received 2022-01-13
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have filed a dispute in regards to an inaccurate Account on my consumer report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NE)

A loan agreement was made in XX/XX/XXXX and the attached repayment schedule is what was agreed to. This loan was transferred to Nelnet, from XXXX, in XX/XX/XXXX and now it appears we are paying over {$5000.00} more than originally agreed upon. At no point did we agree to any repayment changes nor did we ask for the loan to be moved/changed. I understand there were to be graduated increases, but what we agreed to and what we have paid are NOT even close. 
Additionally, no one at Nelnet can show me why this would have changed and XXXX no longer exist. Note that we have also been turned down for the Gov't student loan forgiveness program even though I've been a Govt employee for XXXX years This WAS a Gov't backed loan, we never asked for it to be moved/transferred, so I don't understand why I wouldn't qualify and No one can explain it to me? 
The final payment dates are the same on both of these schedules, yet I am paying substantially more than originally noted. So why wouldn't it be paid down sooner???
Consumer complaint received 2017-07-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Real Time Group, Inc. (FL)

On XXXX XXXX, 2012-I filed for Chapter XXXX due to multiple issues. The mortgage on my property was under XXXX. In the Bankruptcy process they sold the mortgage servicing to a company XXXX XXXX  XXXX. My Chapter XXXX is final this month and I am selling the property. Upon Title search, a second mortgage surfaced-This was also through XXXX. This second mortgage did not appear on a credit report nor did it come forward during the Chapter XXXX processing. This company is Real Time Resolutions who is a debt collector that XXXX has assigned this second mortgage collection to and they stated this is an open account and interest has been accruing. XXXX has been underhanded in not coming forward for the Chapter XXXX and I want to further understand how I can move forward against them. I understand they are currently under investigation and I will be starting a lawsuit as now I am losing potential buyers due to the deception of this company. Please assist.
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Omega RMS, LLC (CA)

The charge from OMEGA RMS for {$1600.00} is unjust. This is a timeshare scam and when we went to their presentation, we told them that we did not want to join, but yet they still charged both myself and my husband. My husbank disputed it, and OMEGA cleared it from his credit, however, OMEGA kept the charges on my credit. This is robbery! And, now, it 's preventing me from purchasing a home.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-06-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I sent a certified dispute to this bureau about a closed old account labeled XXXX/XXXX XXXX. 

So, basically the dates are not right and I wanted the bureau to delete the account completely considering the delinquencies are actually from XX/XX/XXXXbut for some reason were not reported until XX/XX/XXXX. Delinquencies were not from XX/XX/XXXX. The card was already closed in XX/XX/XXXX. Considering I have not heard back from them in already over 30 days I would like to just have it deleted for an accurate report and abide by FCRA law 605 15 U.S.C. section 1681 ( c ).

Also, a major concern I have, Still I noticed that the item is not appearing as disputed so that I know at least that they are investigating this and that has violated FCRA 605 15 U.S.C section 1681 ( f ). No indication of dispute present
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I called Transunion on XXXX-2017 and informed them I had been denied credit due to there not being a score for me at their company. I was informed that I could get a credit report, but no score until I paid them money. Any resource I look for online for them requires payment. I can not go back to the lenders that say I have no Transunion score with a report with no score. Also as to trying to find out this information and multiple applications to discover the info from all 3 credit bureau 's. My credit report now shows multiple requests and that lowers my score. Remind me how these companies are supposed to be good for the consumer?