davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (WI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-10-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (ID)

After purchasing our new home in XX/XX/XXXX, our loan was subsequently sold to Rushmore Loan Management ( RLM ). When we learned of the loan transfer, I called RLM to ask about  sending multiple payments, to break up the large amount. They indicated on the phone that they can accept multiple payments. 

Our first payment was due on XX/XX/XXXX, so I sent a check from my bank in the amount of {$800.00} on XX/XX/XXXX and the rest of the balance {$600.00} on XX/XX/XXXX. This process repeated, where I would send {$800.00} mid-month prior to due date and the rest on the due date. 

This went on for 3 months before RLM sold my loan to XXXX. When I learned that my loan was sold, I reached out to XXXX via phone and they told me that they do not support multiple payments and that I was behind on my mortgage. I asked how that could be and they indicated that it was my responsibility to find out. They also started calling our phone day/night with automated calls that were never answered by an employee. 

I have spent more than 10 hours so far, on the phone with RLM to understand what happened. All I can find out is that they applied my XX/XX/XXXX payment ( for XXXX XXXX due date ) in the amount of {$800.00} to principle. This put us behind by that amount for XXXX. RLM has indicated that they are " looking into it '' and the supervisor, XXXX XXXX ( ext. XXXX ) has not returned my many voicemail messages. 

XXXX has indicated that we will not be taken off the robot-calling punishment until our account is current.
Consumer complaint received 2023-03-19
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. (WI)

By the Fair Credit Reporting Act, this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B, " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-11
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. (WI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (TX)

I had never received any notice that they were even trying to collect for an account until i seen it pop up on my credit they are saying it owed to a hospital called XXXX  XXXX i have never visited a hospital with any name like that i always have an always will us XXXX XXXX. Also the date they gave that suppose services were done i was not in any hospital on thoughs dates. They have a inaccurate address on the account that i never have even resided at. I am trying to better my life an purchase a home an this has now knocked my credit way down after a 3 year process to bring it up. This Account is invalid an is not owed from me.
Consumer complaint received 2019-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Hello, We were approved for a loan modification, we did trial payments and what ever was requested this all occurred in XXXX. Loan modification documents to finalize were sent to our home in XX/XX/2019. We never received so I contacted Ocwen early XX/XX/2019 and advised us would have a packet remailed. We did receive them and signed and returned. I did fail not to register agreement, sent through regular mail. I attempted to make my payment on XXXX and payment could not go through. Contacted Ocwen and was advised my loan modification was denied because signed documents were never received, I was also advised to provide a tracking # in which I do not have because I did not register documents. Was advised had to submit all paperwork over again and had to wait to see what outcome is! Meanwhile I have a default notice. I am asking for your assistance, I think its unfair in how our situation is being handled. It also makes no sense! We have struggled so much to keep our house and just need help so that this gets resolved. Can someone please please get back to me? I am afraid my home can go into foreclosure and we dont want to loose our home. I appreciate the time you are taking in reading my email and hope to hear from someone soon!
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2022-03-11
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: Experian Information Solutions Inc. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-11
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. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-11
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. (NC)

I have previously sent in a claim similar to this complaint and haven't received the necessary results. I am attaching all the necessary documents to have these items removed from MY consumer report. These items are causing me to lose opportunities with work and housing. Please remove immediately!
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I am writing to file a formal complaint against this agency for consistently reporting inaccurate information on my credit report, despite my repeated efforts to dispute and rectify the errors. This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) has caused significant financial and emotional distress, and I kindly request your intervention to resolve this matter appropriately. 
I submitted a dispute regarding multiple inaccuracies on my credit report. According to the FCRA, the agency is obligated to conduct a reasonable investigation into the disputed information within 30 days. However, despite this requirement, they failed to conduct a proper investigation and instead verified the inaccurate information without providing any valid evidence. This violation of my FCRA rights has resulted in ongoing damage to my creditworthiness and has hindered my ability to secure favorable lending terms.
Consumer complaint received 2019-05-07
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. (FL)

My Credit Information has been merged with my twin brothers information. 
When I attempt to " report a dispute '' on XXXX, Equifax, and XXXX, I am unable to report because I can not properly confirm my identity and my request to be allowed a dispute is denied. 

The reason I can not properly identify myself is because the 3 companies have merged my twin brothers information with mine. We are two different people sharing the same birthdate. They merged his social security number as mine. They merged his name to be mine. They merged his employers, his credit cards, his car loans, etc. 

When I call them to correct the issue, I can not answer their identity questions because their questions are regarding my brothers credit history, not mine. 

There should be one place to correct misinformation in this system. Why do I have to goto all the reporting credit agencies and fix the problem. Whomever is merging this data needs to correct the problem and send me a credit report with it corrected.
Consumer complaint received 2018-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I have twice submitted for employment certification for an employer who refuses to acknowledge my time working as a XXXX XXXXr. The first time, I requested it be investigated by CFPB, and the following paragraph was the company 's response : " The XXXX we received from you on XX/XX/2017, and which included several XXXX to prove your employment as qualifying during the time periods you listed, has been processed. Regrettably, we can not fully complete and certify the timeframes you listed. The dates must be in a Month/Day/Year format, with the day being exact or, if this information is unavailable, your closest possible estimate. '' I therefore resubmitted, correcting the Month/Day/Year format, and it was once again denied. This time, the denial letter explained that there was missing information section 4, and that the organization was still operational, and therefore an official must certify. It is true that the organization is operational, however, they have refused to certify. The box I checked includes the terms " refused to certify, '' and therefore I believe that this form was not given adequate consideration before being denied.
Consumer complaint received 2017-06-20
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER BANK, NATIONAL ASSOCIATION (GA)

I applied for a HELOC in XXXX. I maintain a good on time payment with the exception of one late payment back in XXXX XXXX XXXX which was an oversight on my behave. However, I have always kept up with my account through online banking. Santander bank has never mailed me a statement to my current address.The issue started in late XXXX XXXX XXXX when i was unable to access my online account to make payment. The password was disabled where i discovered the account was locked. I proceeded by calling the bank to find out why my account was locked due to owing money to the saving account of {$55.00}. I never received a notice of this late payment by mail or an email on this matter not even a phone call. I paid the amount owed and matters became worst when i was told i owe {$1400.00} on my HELOC. I have paid XXXX payment and wondered how did i owe this much money. I was told my payment is XXXX each month. for XXXX and XXXX 's payment. I responded to the the customer rep. asking them on why i was n't notified. They claimed i was mailed the information. After questioning them further to find that did n't have my correct address on file. We updated the information and then they proceeded on when i going to pay this amount. I kindly responded in telling them i cant this entire amount. I applied at the time XXXX towards the amount and paid another XXXX later. I spoke to a member of the single point of contact to help in resolving this matter as well explained that i cant afford XXXX per month and that I 'm too far behind to catch up. I filled out a hardship form with documents to which i qualified for but have not received a call back or an email on this matter. I keep getting phone about payment and threatening me on foreclosure. As well posting these late payments on mt credit report to where i ca n't refinance to payoff if necessary. I still have not received an statement in the mail on this account.
Consumer complaint received 2018-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIRST NATIONAL BANK OF OMAHA (NY)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Clear Recovery, Inc. (CA)

On Saturday XX/XX/XXXX I purchased a sofa from XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, CA XXXX for the amount of {$760.00}. It should be noted that XXXX XXXX XXXX is owned/operated by XXXX XXXX, XXXX. When I purchased the sofa the sales associate charged the purchase to my personal XXXX XXXX  Visa credit card and the sofa was later delivered to my house. I did not open an account with XXXX and I did not finance this sofa. The sofa was paid in full on my own XXXX XXXX  Visa credit card on an account I have had for years. I have the signed credit card receipt as well as a bank statement showing I was charged and completely paid for this sofa. A year and eight months later on Monday, XX/XX/XXXX, I received a notice in the mail dated XX/XX/XXXX from a " collections agency '' stating that I owe Stoneledge Furniture {$760.00}. This collections agency is Merchants Credit Adjusters , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the course of a year and eight months I was never contact by the XXXX XXXX XXXX in XXXX nor XXXX XXXX XXXX. If they had contacted me I would have provided documents demonstrating that the sofa was paid in full. I believe this is fraud on the part of either XXXX XXXX, XXXX XXXX, or Merchants Credit Adjusters to have me pay twice for an item that was already previously charged to my credit card and already paid in full. I argue that somewhere along the line either through an employee at the XXXX XXXX XXXX XXXX or at Merchants Credit Adjusters , Inc that my information was falsely used and they are trying to defraud me for an extra {$760.00}.
Consumer complaint received 2018-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

Re : Professional Adjmnt Co acct # XXXX, # XXXX, # XXXX, and # XXXX Dear XXXX XXXX XXXX, I have never received any written correspondence from this company. Professional Adjmt Co reinserted a collection ( s ) to my credit reports with XXXX, XXXX, and XXXX  that results from crime ( s )  that have taken place. This is invalid. I didn't received any services or goods from the original creditor. However, I am still held responsible for this debt. You also have violated the FAIR DEBT COLLECTIONS ACT by adding a collection to my credit reports without my knowledge. Furthermore, you are also in violation of the FAIR CREDIT REPORTING ACT by reporting inaccurate information to data furnishers XXXX, XXXX, and XXXX. You were froward copies of an FTC Identity theft report and a sworn copy of an identity affidavit. Still you fail to comply with laws you are legally binded to adhere to. Failure to comply shall led to legal actions with Professional Adjmnt Co if this debt isn't removed. All the appropriate paperwork was notarized then froward to your company from the following credit bureaus XXXX, XXXX, and XXXX. Lastly, I am not responsible for the outstanding of these debts due to be incarcerated as well. Please take all documentation into consideration and delete these accounts. 

Thank you.
Consumer complaint received 2022-03-11
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

1. Select Portfolio Servicing , Inc. has fraudulently applied charges to my account and have refused to provide me with a payoff amount. I have been requesting a payoff and now Im being told that they will have to apply an additional attorney fees to my account before providing me with a payoff amount.

2. Select Portfolio Servicing, Inc has purposely concealed important documents relevant to my account and has not provided the information within a timely fashion. 3. Select Portfo
lio Servicing Inc, was in receipt of an XXXX money order in the amount of {$820.00} dollars which was never applied to my account. 

4. I am requesting a full account history for all transactions to my account from XX/XX/XXXX- XX/XX/XXXX or most current statement. Any and all correspondence and notices pertaining to this account. 

5. I am requesting a payoff amount my account. I do not authorize or give permission for anyone to delay this process. I am urgently requesting this information so that I can review it and expedite the correction process.
Consumer complaint received 2022-08-10
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. (TX)

I have submitted disputes to you and I did not get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT CONCEPTS, INC. (WA)

In the last 60 days I've been garnished by this credit concepts of s total sum amount of {$1500.00}, every single month since I've had this loan they've been adding {$330.00} every single month to the balance since the date of voluntary repossession of XX/XX/XXXX. Now they are garnishing me again knowing I am a single mother also domestic victims of XXXX minor children and I have left emails but the company manager is so unprofessional he just forwards my email rather than giving me an immediate response. I have had this same balance for three years and they are the most fraudulent sub prime lender out here. Ive paid over {$4.00} grand for a $ XXXX loan and why does my balance still reflect {$9900.00}? Where I started? Credit concepts are not following correct practices have never showed me no evidence of the repo sale nor a detailed billing of my entire account I requested since I first had this loan. They are a joke to consumers ripping off subprime consumers. I have other coworkers who are also with credit concepts who have showed me evidence of their wrongdoings and we are all going to take this to Attorney general.
Consumer complaint received 2018-10-23
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: EQUIFAX, INC. (NC)

This is my now 5th complaint against Equifax  Consumer Credit Services concerning the same matter which is unauthorized inquiries on my credit. I have spoken with all credit lending services which are XXXX Bank-Inquiry XX/XX/2018, XXXX XXXX XXXX XXXX Inquiry-XX/XX/2018, XXXX XXXX-Inquiry XX/XX/2018, XXXX XXXX XXXX XXXX-Inquiry-XX/XX/2018, XXXX XXXX-Inquiry XX/XX/2018, XXXX-Inquiry-XX/XX/2018, XXXX XXXX XXXX XXXX-Inquiry XXXX, XXXX XXXX XXXX-Inquiry XX/XX/2018, XXXX XXXX XXXX-Inquiry XX/XX/2018, XXXX XXXX-Inquiry XX/XX/2018 and last but not least XXXX XXXX-Inquiry XX/XX/2018. These are all fraudulent inquires which all these banks have said they have no file on me and on top of that, I HAVE HAD A FRAUD ALERT ON MY CREDIT FOR THE LAST TWO YEARS AND XXXX   AND XXXX HAVE BOTH HANDLED REMOVING THESE FRADULENT INQUIRIES ON MY CREDIT AND THE ONLY CREDIT SERVICE THAT HAS NOT IS EQUIFAX. I would like a full investigation as to why they are not obiding by law.