davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing in response to a credit report that I recently received, which suggests that I owe you some amount. However, I have not received any documentation or proof substantiating your claims, and I demand that you dismiss all such claims and remove any injurious reporting ( s ) against me. If the reported ite

m ( s ) are potentially deficient in the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility elsewise of the reporting, and/or the complete and perfect certified Metro 2 format reporting standards, I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer. I want to make it clear that you have no right to act in dereliction, as you hold m
e under threat of financial and/or creditworthiness injury ( ies ). I demand that if you are unwilling or unable to comply with my request, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint, you immediately and forevermore thereafter cease any and all derogatory and/or injurious actions against me, including but not limited to the foul actions to report and/or collect unverified, untrue, invalid, or elsewise not certifiably compliant claim ( s ) and/or debt ( s ).

I want to remind you that absent legal authority or a written agreement between us, you can not force me to conduct any business interaction ( s ) with you, and I will not do so. If you elect still to injure me, even to the slightest, it would undoubtedly be a show of merciless harassment or even willful extortion, which is a criminal offense in my state of residence. Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and/or removal from reporting the delinquently reported item ( s ) of : Please acknowledge receipt of this letter and inform me of your actions regarding the removal of the delinquently reported item ( s ) within 20 days of your receipt of this notice. 

Listed below are the Collections that are being challenged XXXX - XXXX
Consumer complaint received 2023-04-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I have had an ongoing battle with Experian for over a year, today XX/XX/2023 I tried again to speak to a rep due to my score dropping, I had no idea what the rep was saying his XXXX was awful, all I managed to understand was " your score went up '', I am not a brain surgeon but I was taught - means negative, Experian once again said they could not help me, I waited for another rep hopefully who spoke better XXXX and he explained again my score " went up '', I wish I could send a screen shot of the XXXX in red, also I see as acounts age they have less impact on scores, I have XXXX accounts from 6 years ago that have nowhere near of a less effect, its funny XXXX and XXXX report are all correct, Experian is awful, their customer service is a train wreck, why do they have people who speak horrible broken English talking to the American people about something as important as our credit scores? they seem to have the power to adjust them at will with no accountability,
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (FL)

I paid a rental collection through a collection company by the name of Hunter Warfield 3 years ago and the collection is showing that I never paid the collector. Hunter war field never contacted the leasing company to remove the the collection from my account. Im unable to lease another property Because of hunter warfield negligence. My previous lease office said hunter warfield never paid them.
Consumer complaint received 2019-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

1. Problems obtaining loan modification, paperwork was always missing on their end. This occurred for 2 years before we had to finally file bankruptcy to avoid 2 foreclosure sales on our home. Countless faxing of information they said never was received. 
2. We've had a loan modification for almost 2 years now and have never received our payment book. 
3. We have never received our monthly or periodic statement the entire time. We were informed we had to sign paperwork to receive our statements. 
4. Our loan amount went from owing XXXX to a loan mod of nearly 750,000 due to lawyers fees, late charges, penalties and missed payments. 
5. Servicer refused to take payments from us when we became behind in mortgage in the year XX/XX/XXXX, thus adding the new owed amount. 
6. Servicer refuses to help us make late payments because we're in a bankruptcy. 
7. month and a half ago we asked for statement and they refused, we told them they wont get paid until we receive our statement, still haven't received a statement. 
8. Was told on XX/XX/XXXX they had our automatic stay lifted and was signed by a judge. we and our bankruptcy attorney have no knowledge of this and were never notified. 
9. Our servicer foreclosed on our home twice, never by our note holder. 
10. Payments have been misplaced for weeks by servicer or lost. We call 3-4 days a week and are told something different every time. 
11. I'm now on anxiety medication due to constant stress and fear of foreclosure. All we want is to save our home, servicer refuses to help. 
12. Just want to save home and figure out why we went from owing XXXX to over 700,000 because servicer refused to take our payments.
Consumer complaint received 2022-01-20
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: Bread Financial Holdings, Inc. (SD)

I found out that the account i paid off is not being reflected as such on my credit report so i contacted XXXX XXXX XXXX ( the company i paid ) and they said that the original creditor ( comenity bank is reporting the account incorrectly ) and that i need to contact them. the response i received from comenity bank is that i need to contact XXXX XXXX in which i have already done. I am just getting run around while no one is updating or fixing the issue to reflect that the account was paid and not a charge off or whatever incorrect status they have it sitting in. I am resubmitting this complaint with the document that shows the account was paid and nothing owed so it should reflect a paid status on my credit report.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have closed all of these accounts. They should all be listed on my credit report PAID & CLOSED.Please have this updated. 

XXXX XXXX XXXX  Credit Card ( 2 different cards ) XXXX XXXX XXXX Credit Card ( 2 different cards ) XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-20
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. (FL)

On XX/XX/XXXX XXXX XXXX XXXX was sent a request for validation letter concerning a account they claim I owe on my consumer report today which is XX/XX/XXXX they still have yet to respond. This account is very damaging for my personal consumer report and business report causing me to not be able to get funding
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (GA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-20
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. (TX)

I have closed all of these accounts. They should all be listed on my credit report PAID & CLOSED.Please have this updated. 

XXXX XXXXXXXX XXXX  Credit Card ( XXXX different cards ) XXXX XXXXXXXX XXXX  Credit Card ( XXXX different cards ) 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 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Experian, XXXX  and XXXX  have assisted XXXX in making my life extremely difficult to live for the last few years. Theyve done this by reporting false late payments on my consumer reports which led to my scores dropping from the low 700s to the mid 400s. This has in turn affected how lendable I am in a negative way and has prevented me from getting a house, a car, credit, cards or even bank accounts. Its scary thinking about all the sleepless nights Ive had due to this particular issue. The consumer reporting agencies have violated my rights as a consumer under title 15 Chapter 41 Credit reporting agencies section of the US Code.
Consumer complaint received 2015-09-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Forster & Garbus LLP (CT)

I received a notice from XXXX that they were filing a lawsuit against me for payment. I stayed on the phone to avoid judgement and we agreed on payment terms on XXXX XXXX, 2015. On XXXX XXXX, 2015 XXXX ( representing XXXX XXXX XXXX ), XXXX sent me a agreement for a judgement stipulation eventhough we did an early intervention. 

Secondly, XXXX XXXX XXXX passed another loan to Forster and Garbus. On XXXX XXXX, 2015 I was informed by my mom that XXXX men entered her home yelling for me, and left a card. I took the time to do research to see if there was any case about me. I found Forster and Garbus. I informed Forster and Garbus I was not resident of New York and was willing ot work out a payment arrangement of {$200.00} month for 10 years. I was assured by the young lady that the attorney was going to get back to me however, no one got back to me. 
I called again, but instead I got a letter from the courts the were going to garnish my paycheck regardless of my agreement with Forster and Garbus.
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DC)

I have been a USAA customer for over 30 years and in the last several months I have made several large payments to my credit card. XXXX for XXXX in XX/XX/2021 and one this week XXXX XX/XX/XXXX ) for XXXX. 

USAA has gotten into this habit of not applying the payment for seven days. I called USAA and they tell me that this is related to DTCC and ACH clearing. Which is nonsense as the ACH clearing takes 2-3 business days. 

My concern is that USAA has this money and they are not applying this to the available credit but they are likely using the money in the banking apparatus and leveraging for loans and other financial products. 

When I spoke with USAA they refused for over 30 minutes to transfer me to supervisor and once I did, they didnt seem to care. The supervisor told me that, no one in the bank can make this faster. 

It seems like this is local policy and that numerous customers are experiencing the same issue. This is based upon a number of internet services and the exact same issue is being described. 

XXXX XXXX
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc. (FL)

have recently checked my credit report and seen some inquiries I did not authorize : XXXX XXXX XX/XX/2022 ( XXXX ) XXXX XX/XX/2022 ( XXXX ) XXXX XXXX XX/XX/2022 ( XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX ) XXXX XXXX XX/XX/2022 ( XXXX ) XXXX XXXXXXXX XXXX XXXXXX/XX/2022 ( XXXX ) XXXX 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX You are in Direct Violation of the The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX ) and ( XXXX XXXX XXXX XXXX XXXXXXXX ), has violated my rights. 15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you in direct violation of several laws under the The Fair Credit Reporting Act. Thank you.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax is currently violating FCRA by reporting false and inaccurate information. On my recent Equifax reports the XXXX Bank account XXXX XXXX reporting different information on the XXXX XXXX XXXX Payment amounts don't match on Equifax Credit Report XXXX XXXX to Equifax Report XXXX XXXX The Actual Payment Amounts '' don't match '', The Scheduled Payment Amounts are different. This a violation of the Fair and Accurate Transaction Act.
Consumer complaint received 2019-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC (WA)

On XX/XX/XXXX and then again on XX/XX/XXXX my bill payment company sent two payments to my mortgage loan servicer. My bill payment company then turned off my bill payment services until one of the two payments was returned to them. On XX/XX/19 I called my mortgage servicer who confirmed receipt of two payments that month, however they said I could only request a refund of one of the payments by e-mailing in a request along with evidence of the double payment coming from my account with the copy of the check or with a bank statement that had to have my bank logo on it EVEN THOUGH they could see they had received two payments for the month.

The payment was made via ACH, so I could not produce a check AND my statement had not yet cut so I was not able to produce a statement. I did a screen print from my online banking to show the payment coming out of my account, but ANYONE in this industry knows I was not going to be able to get my bank logo on the screen print. It's a fraud deterrent to not allow the bank logo to be printed. I explained this to the mortgage servicer on the phone and I got " I'm sorry that's the procedure that is our procedure we have to follow ''. This is an unacceptable procedure that makes it unduly hard on the consumer to get a double payment refunded. 

I e-mailed the required e-mail address on XX/XX/XXXX and asked for one of the double payments to be remitted back to me asap. If this was not possible I asked to be called. I got a bounce back e-mail saying that I needed to allow for 2 business days for my inquiry to be addressed ( attached as Exhibit A ). 

I never received the phone call AND I was not responded to until a FULL 13 BUSINESS DAYS LATER - XX/XX/XXXX. I was told my double payment would not be returned as then the loan would be past due for the XX/XX/XXXX payment ( attached as Exhibit B ), and that my case was closed ... 

As a consumer, I HAVE BEEN HARMED in several ways. My bill payment services were shut off until I refunded my bill payment company one of the two mortgage payments. ALL my other payments due were NOT MADE causing all my other credit payments to be made late. I had to charge on my visa the amount of the mortgage payment so I could get my bill payment services turned back on, which means I had to pay interest on my credit card. 

I am beyond disappointed and horrified at this mortgage loan servicer and how they have treated me as a customer and consumer.
Consumer complaint received 2023-04-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC (VA)

We have continuously been writing XXXX XXXX XXXX, pertaining to this matter.the last letter we sent was on XX/XX/23 to delete the inaccurate information that is reporting on our credit report pertaining to flagship credit acceptance.
Consumer complaint received 2019-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (AZ)

I originated this loan in XX/XX/XXXX as my primary residence. Since then, I have repeatedly told Dovenmuehle that my mailing address should be the same as my property address. I purchased this home as my primary residence and sold the other home I was living in during XX/XX/XXXX. As you can imagine, that means I moved out of my old house and into my new house, which is the subject property. 
I have no connection to the home I sold but the company has consistently refused to updated my mailing address. Each time I call in, they tell me that it's their policy that they must receive a signed request from both borrowers to update the mailing address. I have explained to them each time that I will not be doing so, this is not an update but a correction. There has been no change in my mailing address since I originated this loan. It's their responsibility to correct the error that they made when they set up my loan with the wrong mailing address. They just keep quoting policy and will not see reason. 

I spoke to a representative named XXXX today XX/XX/XXXX and a supervisor who told me they were unwilling and unable to help me. I explained that I would be submitting a complaint if they did not try to help me, and they still had the same unhelpful and uninterested attitude about the whole situation.
Consumer complaint received 2022-01-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ACIMA CREDIT, LLC (AZ)

The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-01-20
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. (MI)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-20
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: GLA Collection Company, Inc. (KY)

I have never applied for anything with my credit and have just now been able to get into to check my credit score. Its showing 6 bad accounts on there which do not belong to me I never signed up for anything never knew how to. I am XXXX and feel I have been stolen from. I am on XXXX XXXX and I have always had state insurance where everything has been paid.
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/XXXX I made an on-line application to HSBC for their gold Mastercard. 
Application ID:XXXX On XX/XX/2019 I received a phone call supposedly from an agent of HSBC. He wanted personal information from me over the phone. 

There were a number of problems with this phone call. The first one being that I am severely XXXX XXXX. I tried telling this to this man to no avail. I told him I was having great trouble XXXX him and could he please contact me by email. He told me he would not and could not do that. This was enraging. Can HSBC or other credit card companies not accommodate their customers who are XXXX   or XXXX XXXX? This seems a violation to me of basic respect, care, and concern. I also think this is clearly discriminatory. 

Secondly, I told the man I did not know who he was and had no way of verifying that he indeed was associated with HSBC. He told me he could give me a phone number to call him back at. I told him that all that did was give me a phone number at which I would have no way to verify I was calling HSBC and it also brought up again that I was XXXX XXXX. Was there a part of that which that man did not understand. 

I told him again I would gladly answer all questions by email. He said again, he would not and could not do that. They have my email address as part of the application. I see no reason why they couldn't make this accommodation+. Lately there have been a great many phone scams directed to the elderly, I have no way of knowing this was not one of them. 

I am assuming by the time you get this complaint the credit application has been denied. A black mark against my sterling credit record and scores. All because HSBC and its agent could not make accommodation for a man who is XXXX XXXX. This to me is not only unwise business practice but is also clearly discriminatory under what I believe is the law. 

I had no way of contacting HSBC. They did not give me an email address to address this issue to them and no phone numbers so I sent them a letter yesterday, an admittedly slow way of dealing with the issue but the only one I seemed to have. 
I sent the letter to their mailing address : HSBC Bank USA, N.A. 
XXXX XXXX XXXX XXXX, NY XXXX