davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (FL)

This involves Statebridge Company LLC, located in Colorado. My mortgage was sold to this sorry excuse of a company in XX/XX/2017. It is a conventional mortgage with a 5 % interest rate. My payment has always been {$390.00} and I pay my own taxes and insurance. In XX/XX/2017, Statebridge, for some unknown reason decided to pay my property taxes, and as this was unknown to me, I went to pay my taxes in XX/XX/XXXX. After finding out that they had been paid by the company, I immediately called and got nowhere. I called an additional 11 times and never spoke to the same person, until I spoke to a Mr XXXX who couldn't figure out what happened or why. This went on with telephone tag for about 2 months. When I finally reached him, he said all I should have to do is return the amount of money that they had paid for my taxes, which I did the very same day, I will send a copy of the check. I gave them a few days in order for the check to reach them and I called back to see if everything was squared away. No, they haven't even posted the check and argued with me that they hadn't gotten it. My bank verified that it was sent and cashed, so I was not very happy. All this time they are taking escrow money out of my regular payment, making it look short and charging me late fees every month. I was done with Mr XXXX and asked to speak to someone over him. I ended up with a Ms XXXX and after about 6 weeks she came back with this brilliant plan in which I had to pay {$100.00} in order to clear up the escrow mess that they created. By this time I was so disgusted I asked if this would clear everything up and if it would I would send it out right away. I called back the next day to find the correct address to mail it to and I ended up with Mr XXXX, oh happy day, not. Now he tells me that I have to also send in every late fee that they have added to my account. ( Please remember this is their mistake in the first place ) All this time I am still sending in my regular payment of {$390.00} but they wanted {$510.00} because they were still taking escrow out, can you believe this? Also, to add insult to injury, they contacted the credit bureaus, all 3 and reported my account delinquent. This dropped my credit score from XXXX to XXXX. Now I am enraged and let Ms XXXX know that I was enraged. After that, she refused my calls and my emails. I applied with XXXX for a refinance and because of what they had done to my credit, I had a very hard time, but it finally went through but these derogatory remarks remain on my credit reports. One of them has deleted Statebridge from my report, I think it was XXXX, after I filed a dispute. I filed disputes with the other 2 also, but they haven't removed the delinquent marks from their reports. Can anything be done about this corrupt company?
Consumer complaint received 2021-10-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (TX)

Stillman Law Office, I do NOT owe the creditor. I have attempted to secure documentation from XXXX, XXXX XXXX as well as XXXX XXXXs of the debt. 

I obtained an alarm system from XXXX in XXXX of XXXX. I also kept the current system that I owned at my old house. When I called to set up service at my new home I was told that if I kept the old system for a min of 6 months, which I did, and due to longevity of being a customer, since XXXX, that I would have the new equipment without charge. The rep came the first of XXXX to install at new house and called to verify that I would have new equipment complimentary of XXXX by keeping old equipment operating for 6 months and due to length of being an XXXX consumer. 
I did not receive a request for payment until XX/XX/XXXX from XXXX and then the next month from XXXX stating the account was delinquent. I had not received anything from XXXX, XXXX, or XXXX prior to XXXX of XXXX. I have asked XXXX, XXXX, and XXXX for info on a contract or anything that I signed, which can not be produced because I did not sign for anything. 

XXXX was in the news last year in the XXXX area for installers making unethical access to customers accounts and when I received this in XXXX from XXXX I attempted to see if this was part of the illegal dealings that installers for XXXX was part of. XXXX was no assistance and only referred me back to XXXX who in turn referred me to XXXX. 

I now have received a letter from Stillman Law Office in ref to the debt. 

If I owed this debt I would pay it but received the new system complementary of XXXX. I have been a customer since XXXX and I am a current customer now.
Consumer complaint received 2021-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are at least six ( 6 ) instances where my name is being inaccurately reported.

6 different names that are not mine. I requested deletion of all names except my actual name.

There are at least twenty-three ( 23 ) instances where an address is being inaccurately reported as my address.

I requested deletion of all other addresses that was not mine.

There are at least three ( 3 ) instances where my phone number is being inaccurately reported.

I requested deletion of all other names.

There are at least four ( 4 ) instances where my employment is being inaccurately reported.

I did not consent to those agencies furnishing reports with incorrect names, addresses, phone numbers, and employers. I believe this is either provided fraudulently and/or invites fraudulent actors to take advantage of such an inaccurate report. 


My only name is : XXXX XXXX My only address is as follows : XXXX XXXX XXXX XXXX, Florida XXXX My only phone number is : ( XXXX ) XXXX My only employment is : Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-10-28
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. (GA)

I have noticed there is an account for XXXX XXXX reporting on my credit profile that does not belong to me, I have sent dispute after dispute to both the creditor, and the credit bureaus ( Experian ) and still nothing has been resolved, I recently sent a dispute to the bureau and the agency on XXXX XXXX and again on XXXX XXXX. I have sent numerous request to both the bureau and the creditor asking they provide me with court worthy documents this account belongs to me and I have not yet received those documents, the credit ( Experian ) has responded to each dispute the account has been " verified '' again no court worthy documents have been sent. This is negatively affecting my credit worthiness and I wish to have this remove from my credit profile immediately.
Consumer complaint received 2019-05-25
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. (CA)

There is no sufficient information to support the credit bureaus claim. The payment here is sent in advance so I don't understand why this is past due..Please fix this for me.. I was not late on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2016-01-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (IN)

Our mortgage payments are, and have been, up to date. We have all the documentation to prove this, however, Selene Finance is continually sending us Certified and regular USPS mail stating that we owe for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They did not respond to emails. XX/XX/XXXX we sent a certified letter with our complaint and proof to Selene Finance. Over a week later we finally received a response via email stating that we owe for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in spite of having just provided proof in a certified letter that XX/XX/XXXX - XX/XX/XXXX have been paid. We responded to the email and again have not received a response. Today we are sending yet another certified letter to Selene Finance to provide them with another copy of the same proof that those payments have been made and to correct the error in their system.
Consumer complaint received 2022-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

I submitted my application for the Public Service Loan Forgiveness Temporary Waiver in XX/XX/XXXX. I obtained certification from both my employers for continuous PSLF and TEPSLF qualifying employment since XX/XX/XXXX. Under the waiver, I believe I now qualify for forgiveness. The first servicer XXXX acknowledged my application and notified me of missing information, which I supplied to them in XX/XX/XXXX, and never received any further information about processing of my loan. In XX/XX/XXXX, once the transition of the PSLF/TEPSLF servicing was transferred to MOHELA, I called to inquire about the status of my application and was told to wait until they reviewed my information. On XX/XX/XXXX, I checked the payment tracker and noticed that loan payments made between XX/XX/XXXX and XX/XX/XXXX were not reviewed or accounted for, and that some payments were listed as " no payment was due. '' When I called to inquire about this, I was advised that the employment certification forms sent to MOHELA from XXXX were truncated and difficult to read and I was advised to resubmit my employment certification forms. New employment certification forms from both of my previous employers were uploaded to the portal on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received multiple notices in the mail stating that my application for PSLF had been denied, and these forms indicated that my qualified employment dates had not been documented correctly. MOHELA had only documented as certified employment from XX/XX/XXXX- XX/XX/XXXX, when I have submitted certification documents from public service employers ( a city government and an academic XXXXXXXX XXXX XXXXXXXX ) continuously since XX/XX/XXXX. I called again on XX/XX/XXXX and was advised that there probably had been a systematic computer error when reviewing my application and a reprocessing request had been executed. At that time, I was advised to wait until XX/XX/XXXX to see if changes were made to my payment trackers indicating the application had been reprocessed, and if not, to call and request my application be referred to the escalation team. On XX/XX/XXXX, I checked my account and called to request my application be referred to the escalation team. At that time, I was told that I could not make that request and that I yet again had to wait until the application was processed. At that time, I requested to speak with a supervisor and have been on hold for over two hours. It is extremely frustrating and unacceptable that MOHELA continues to make errors when reviewing my application AND when I call to rectify the situation am repeatedly told my only recourse is to continue to wait.
Consumer complaint received 2024-02-14
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. (CA)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of questionable items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-10-28
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: Bread Financial Holdings, Inc. (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Consumer complaint received 2021-10-28
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: AMERICAN HONDA FINANCE CORP (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Consumer complaint received 2022-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX  That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2021-10-28
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. (CO)

On XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VA XXXX XXXX XXXX, MN XXXX XXXX Placed a charge-off amount of {$5100.00} on my credit report. 
This debt was waived. File # XXXX confirmation is dated XXXX XXXX
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently requested a copy of my credit report and noticed an address that does not and never have belonged to me. 
I sent TRANSUNION a certified mail letter on XX/XX/2022, demanding the unknown address be deleted from my consumer report immediately. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. TRANSUNION have violated my Federally Protected Consumer Rights
Consumer complaint received 2021-10-28
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. (CO)

On XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VA XXXX XXXX XXXX, MN XXXX XXXX Placed a charge-off amount of {$5100.00} on my credit report. 
This debt was waived. File # XXXX confirmation is dated XXXX XXXX
Consumer complaint received 2022-02-25
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. (PA)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mandarich Law Group, LLP (CA)

Hi this original creditor XXXX XXXX They said I owe them an amount was charged off on for XX/XX/20 I know they trying to sue me and take me to lawsuit and even though I told them to not to call me the XXXX XXXX keep Contact them there not answering and I told him do not call me do not send me another talk to XXXX XXXX and before when I called them and they wanted to discuss this matter they never help me because I was sick and also I was not going to work because of the pandemic and I had XXXX  it myself and I am full time student but they did not help me and now they trying to sue me so please I am sincerely requesting since they did not help me please address this matter with them and also they reported to all XXXX and XXXX XXXX and XXXX and they put negative points and because of them I have no score Im trying to Refinance my car because Im paying so much interest I cant because there is a negative report against me will you please help me I am sincerely appreciate
Consumer complaint received 2022-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-25
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)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes I sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am. 

I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX Case Number : XXXX This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report
Consumer complaint received 2022-12-02
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: CITIBANK, N.A. (GA)

Letter, dated XX/XX/2022, addresses Citibank , N.A . to opt-out of sharing and reporting my information to non-affiliates. Citibank is reporting transactional history to credit report agencies, when I have not provided written consent to share or report any information.
Consumer complaint received 2022-10-09
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. (MD)

My name is XXXX 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.