davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person .... I have also been affected by the XXXX XXXX XXXX and believe it has gotten into the wrong hands.
Consumer complaint received 2020-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

To Whom It May Concern I first contacted Lakeview Loan regarding an escrow refund to borrow for the amount of {$1800.00} on XX/XX/XXXX. I contacted the company at the beginning of XXXX and inquired about why I received the escrow refund. The main purpose of my call was regarding an insurance payment {$1000.00}. When I signed paperwork for my home I never consented to this company paying for my insurance. It was told to me during that call that this company paid my insurance. Because of this, my escrow account was in the negative - {$350.00}. The insurance rejected this payment from this company and the company paid it again. The dates they ran the payment to insurance was : XX/XX/XXXX {$1000.00} They paid insurance on this date XXXX $ XXXX insurance kicked back this payment XX/XX/XXXX {$1000.00} They paid this again I cashed my escrow refund due to the agent who I spoke to telling me that it was okay to do so. In XXXX I received a letter stating I needed to pay a shortage in my escrow account of {$1300.00}. and that my {$1600.00} a month payment would now be increased to {$1800.00} even if I payed the shortage amount. 
I contacted the company on XX/XX/XXXX XXXX and spoke to XXXX. He said the company made a mistake during the escrow analysis update and never should have sent out a refund check. He stated he was putting in a work order to have this fixed and that my payment should remain XXXX. He told me the company would contact me. 
After not hearing from them I contacted again XX/XX/XXXX and for two hours was sent to three different people XXXX, XXXX and finally a manager XXXX. They all reviewed file notes and agreed that this was an error on the company 's side. She told me that because the shortage was cause by the loan company paying the insurance. She verified that there was nothing stating in my mortgage file that they were suppose to do this. XXXX stated to contact customer service via email that day and ask that they remove any further home owner insurance payments and by Tues XX/XX/XXXX my payment should go back to XXXX and not be {$1800.00}. She stated I would also not be responsible for paying the {$1300.00} shortage. I emailed them exactly as she advised that day. I emailed a second email XX/XX/XXXX a week later and a third email XX/XX/XXXX. My payment has not changed and no one from the company has contacted me at all over the last month and a half regarding this issue. I asked XXXX if I should just make my normal monthly mortgage payment and she said no not until this is resolved. That there is a 10 day grace period. 
This company has been horrible to work with. The lack of communication and wait time is ridiculous. The fact that their employees have acknowledged company errors and no one will correct them in a timely manner is unacceptable.
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-01
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. (CA)

I previously reported as well notified Trans Union of errors on my report and supplied them with documentation letters court orders vas well updated my consumer statement Registered Letter XXXX XXXX XXXX XXXX XXXX XXXX asking them to remove XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX {$4500.00} and XXXX XXXX I supplied them with Divorce Degree as well notified them that XXXX XXXX is reporting in error and there Contact on profile not to be valid as well attached returns email on bad contact I also asked for a full updated report with new address as well to remove inqireiers dating over 2 years to date XX/XX/2022 my record reflects the same as well that have not got me my updated report and or remove dispute dating of 30n days TransUnion is acting in bad faith and not following Federal guide lines
Consumer complaint received 2020-11-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (WI)

XXXX XXXX XXXX reached out to XXXX and XXXX XXXX regarding a refinance and lower IR. They paid them {$3700.00}. Five payments of {$750.00}. The military said it sounded like it was fishy and it sounds like a scam. The company does not have good reviews and others have said it was a scam. They have been working with a financial advisor through the military. They are looking further into it.
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (IL)

In response to the recent investigation findings, I express my disagreement and request thorough accuracy in the review. My dissatisfaction stems from a belief that the efforts to contact the creditors reporting the accounts on my credit report were insufficient. Consequently, I am seeking additional information about these specific accounts : XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$7900.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$4100.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$4200.00} XXXX : XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$7700.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$3700.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$7700.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$4200.00}. As previously mentioned and in accordance with the provisions of the Fair Credit Reporting Act, 15 U.S.C. Section 1681i, I request a re-investigation of these disputed accounts. Additionally, please provide the names and addresses of the individuals or entities contacted during the investigation. According to 15 U.S.C. Section 1681i ( 5 ) ( A ), you have XXXX ( XXXX ) days from the receipt of this communication to complete these actions unless I am notified otherwise. It is important to note that failure to verify these accounts within the allotted time frame constitutes non-verification, necessitating prompt updates to my credit report in compliance with Section 1681i ( a ).
Consumer complaint received 2022-05-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.
Consumer complaint received 2022-05-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.
Consumer complaint received 2016-06-22
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY (CA)

We experienced a fraudulent transaction on our business account in XXXX XXXX. This transaction was initiated by a former employee who was not authorized to make such a transaction. 

After reporting it, this transaction was reversed but due to the failure of Wells Fargo business banking specialist, XXXX XXXX, to remove this individual 's access to the account, the identical transaction was processed in early XXXX XXXX. After reporting it once again, this time Wells Fargo did not address the issue. 

Instead, I was locked out of our account and not granted access despite providing the documentations proving that I was the only authorized individual to access this account. Despite repeated requests, I was unable to access our accounts until I escalated this matter to the regional supervisor, XXXX. 

After investigating, XXXX eventually reversed the second charge as well. This took place in XXXX XXXX, five months after the fraudulent transaction was reported. 

As soon as I regained access to our accounts, I made the outstanding payments on our credit cards. I then became aware, however, that our credit cards were closed to delinquency and all of our points have been forfeited. 

I was only unable to make these payments because Wells Fargo had revoked my access to the accounts. I made the payments as soon as I regained access and I was assured by XXXX XXXX that our accounts would not be closed until we had the opportunity to redeem these points. 

As such, I am disputing the balances on these credit cards until our points are reinstated and we have been able to redeem them. This was entirely the result of XXXX XXXX 's incompetence and subsequent delays instead of just quickly remedying his mistake.
Consumer complaint received 2023-03-17
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)

In XXXX of XXXX  I cancelled an internet service with XXXX XXXX ( I was not on any sort of contract at the time ) and switched my internet service to XXXX XXXX. I was instructed by XXXX XXXX to place my hardware that belonged to the company into a self addressed, postage paid box which would be mailed to me. Once the XXXX XXXX received the equipment from me then my service would be closed. I mailed the equipment off as instructed. 

In XXXX of XXXX  I was surprised to find I was charged another full-month from XXXX XXXX for service that I had cancelled over a month prior. I contacted XXXX XXXX via phone and inquired about the charge of {$82.00} on XX/XX/2022 to my credit card. The customer service rep indicated that the equipment likely hadn't been processed yet and once the equipment is processed then the account would be updated and credited based on the cancellation effective date. I acknowledged that I understood and waited a few weeks for the credit to apply to my credit card but it never came. So I disputed the charge on my credit card and the credit card company conduced their own investigation and ruled in my favor and reversed the charge. 

Later XXXX XXXX again sent me a invoice for the {$82.00} and I again reached out to the company explaining what happened but the customer service basically said " the system says you owe charge so there isn't much I can do ''. 

This charge has been sent to Equifax and it is affecting my credit, which is otherwise stellar. I am disputing the validity of this charge and I'm seeking the assistance of CFPB to have this derogatory mark removed from my credit report. I have attempted to dispute this charge directly with XXXX XXXX and directly with Equifax to no avail. 

I will attempt to send a pdf file of my credit card statement from XXXX XXXX  showing a charge for XXXX XXXX on XX/XX/2022 and a charge from XXXX XXXX  in XX/XX/2022. I wouldn't not have kept of paid for both services at the same time because once I had the XXXX service installed. I called and cancelled the XXXX XXXX. I have no documentation of the cancellation because it was done via phone. I was unable to locate the XXXX  receipt I received from mailing the XXXX  equipment back but it was definitely sent back in a prompt manner.
Consumer complaint received 2023-03-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.C. System, Inc. (AL)

XX/XX/202XXXX XXXX XXXX XXXX CASE NUMBER CALLED SAYING. THEY HAD CLOSED ENVELOPE TO BE DELIVERED TO SOMEONE OVER XXXX. They would never tell me who or what company or what collection was about. XXXX XXXX was his name. He wanted my dob and last four of my social security number there phone number wasXXXX
Consumer complaint received 2023-03-17
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)

checking my credit report I am interested in processing disputes for all inaccurate information on my credit report with Equifax. my file is not 100 % accurate. review the mislead information an remove all data to correct my credit report asap.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the fair credit reporting act, the list if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX acct XXXX XXXX 15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reports containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-13
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. (FL)

in accordance with the fair credit reporting act, the holder of these accounts have violated my rights to privacy. 

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 15 U.S.C 1681 SECTION 602 A. STATES 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..
Consumer complaint received 2021-06-10
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 — Their investigation did not fix an error on your report
Company: Southwest Credit Systems, L.P. (SC)

I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. The collection never shouldve been on my report to begin with as the bill was mailed to the wrong address. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains. I am trying to get a home loan and this negative mark is drastically effecting my ability to get the best rates. Please help me resolve this issue as it should not have been on my report to begin with.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AL)

I have sent several letters to the company Credit Acceptance as well as sent letters to the credit bureaus to have this inaccurate credit reporting stopped and corrected. I have talked with several representatives at Credit Acceptance and I was assured this will be corrected, and it still has not been corrected. I have been disputing this information for the past year and it has not been corrected as of yet. I have sent several letters on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. No response regarding this issue. Phones calls have been made as well. XX/XX/2021, XX/XX/2021, XX/XX/2021.
Consumer complaint received 2019-03-25
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. (NE)

XXXX XXXX has different balances being reported to each of the 3 credit bureaus. In addition, they also have a charged off ststus for this loan yet also report late payments every month since 2012. I have made numerous attempts to disute this inaccuarate information as well as even offered to pay XXXX XXXX to delete it and they along with the credit bureaus refuse to help. It is scheduled to fal off my credit this year but they should remove soiner since the information being published is grossly inaccurate. An account can not be noth in a charged off status which is a loss to the company, as well as late payments. If the account is closed/charged off then late payments do not apply. If the account is open then it cant be charged off. They have been reporting this innaccurate information for over 6 years now and noone will help me to resolve this issue. In addition the balances are also inaccuarte and even differ between vcredit bureaus.
Consumer complaint received 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Hello, I am submitting a complaint for resolution against my lender XXXX XXXX XXXX PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX First of all I, XXXX XXXX is submitting this complaint and not a third party on my behalf. pls contact me at XXXX XXXX XXXX or email XXXX if need further verification- call me or email. I have received emails from my lender on XX/XX/XXXX XX/XX/XXXX in XX/XX/XXXX as well clearly stating that if I reach out to them they my lender will go ahead and extend 90 days forbearances which will expired XXXX. In XXXX, I tried to contact my lender and overnite request on XXXX to extend the forbearance per their emails - proof attached. I was able to speak with my relationship manager, XX/XX/XXXX. My relationship manager, unfortunately, informed me on a recorded line The lender will not honor the email that was sent out on XX/XX/XXXX and XXXX -- - PROOF ATTACHED- that clearly states if I called, they will extend forbearance. I was also not informed in writing or via email that after XXXX  months they will never give an extension. this email contradicts the phone conversation that I had with the relationship manager. I believe the lender shall not be allowed to send misleading emails to borrowers at this time that we are all struggling due to job loss and health issues. the email is a part of my complaint it is confusing it is not clear and it is misleading. Please read the letter below my lender will not give me access to my account via the Internet, I have to call my relationship manager directly I am not sure what is the reason for cutting my access to my documents. I NEED XXXX DAYS I am XXXX  and going through a divorce as well. I can proof my Hardship do to XXXX  as well in court. 


-- -- - Forwarded Message -- -- - From : Relationship Manager XXXX To : " XXXX '' XXXX Sent : Thursday, XX/XX/XXXX, XXXX XXXX  PDT Subject : Important Account Information Dear XXXX, Please be advised that your COVID-19 forbearance plan will end on XX/XX/XXXX. Please contact us using the phone number listed below should you wish to extend the plan. This account has been assigned a Specialized HRD Escalation Agent as a single point of contact. If you have any questions regarding the account or options that we may have available, you may reply to this email or contact ( XXXX ) XXXX to speak with the Specialized HRD Escalation Agent, XXXX XXXX XXXX XXXX is your designated contact for inquiries and the submission of documents as needed. XXXX is available during the following hours : Monday Friday 9:00 AM 6:00PM ET
Consumer complaint received 2018-02-24
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: U.S. BANCORP (FL)

I see 2 credit inquiries on XXXX XXXX that are not mine or were done without my knowledge. From XXXX   XXXX and US Bank both on XX/XX/18.