davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
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. (VA)

I have noticed that there are INACCURATE accounts reporting from my report, I have already sent a proper documentation regarding these. Please see attached documents for these accounts I am complaining.
Consumer complaint received 2021-06-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

i see there is a XXXX XXXX credit card opened on XX/XX/2019 and closed later the following year while leaving a balance and late payments i am unaware of this account and asked that it be verified it has been while over 90 days still no response XXXX  REPORTING AS A CHARGE OFF
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Good Morning ; PLEASE HELP!!!! - I need some advance help with this because i been trying to resolve this for like 3-4 months now and I just keep getting run around. As I had mentioned in several of my previous letters, I'm disputing the accuracy, completeness, and validation of this particular account that caught me by surprise. A couple of months ago when I was looking through my credit I noticed a BoA Credit Card with a high balance of {$1700.00}, and immediately I started to dispute because each bureau are reporting different information. How is it possible that same account can be reported completely different among all the 3 major credit bureaus ... such as different date of last activity, date last payment, date opened, high balance, account number, etc. How is that remotely possible? I thought FCRA promotes 100 % fairness, accuracy, timely, and verifiable. And also, by looking at the way it's reporting, it looks like that the account is getting re-aged every year by the company of credit reporting agencies. Is that legal? But to get a kickoff, every time I disputed through the credit bureaus, I'm getting these template responses that just say verified as accurate and updated? What exactly did they update? And mostly, how can they say that they verified this as Accurate? Impossible - look at the attachment.
Consumer complaint received 2022-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Last XXXX Truist was notified by XXXX XXXX that my flood insurance was due. They did not pay the flood insurance until after XX/XX/XXXX, which is after the 30 day grace period. Truist was notified numerous times by myself and my insurance company and they replied that everything was taken care of. They have the emails from XX/XX/XXXX and mine from XX/XX/XXXX. NowI have lost any granfathered discounts, my insurance has increased {$3000.00} a year ( my property has never had an flood insurance claim since XXXX when it was built ). 
I have had this mortgage and insurance for over 10 years. I have also lost continuous coverage to keep a lower rate, which, if i sell my home the buyer would have also get a lower rate, also at the higher rate the coverage is lower..I have talked to over XXXX people and it seems noone wants accept the fact the bill was sitting on someones desk. I now have a forced policy placed of which i have no idea what this will cost. My insurance co. said Truist has done this to others.
Consumer complaint received 2019-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc. (TX)

I have a collection/ charge-off account on my credit report with XXXX , XXXX  & XXXX . The Account is with NCC Business Services in the amount of {$850.00}. I am not challenging the validity of the debt. The debt has been paid, and I can provide a final payment statement showing {$0.00} balance owed. However, I never received any written communication about the debt, before it was placed in collection and added to my credit file with all 3 major bureaus. I asked NCC Business Services to  request the credit record be deleted from my credit file, due to the fact the debt is paid, and I was not provided with any communication about the debt until I saw it on my credit report. Their response was that they sent letters. I never received any communication from them, and therefore did not have the opportunity to fulfill my obligations before the debt was reported. I would like NCC to provide proof of contact, or I ask that the file be deleted from my credit report with XXXX, XXXX, and XXXX.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Consumer complaint received 2019-06-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (FL)

We are experiencing wrongful foreclosure proceedings by Home Point Financial - haven't missed a payment with the exception of an approved forbearance period of 3 months. Funds from a FHA Disaster Partial Claim Modification ( to pay for  forebereance months ) have yet to been applied a year after signing documents. 

After Hurricane Irma ( XX/XX/XXXX ), Home Point Financial ( our mortgage bank ) offered a 3-month forbearance ( for XXXX, XXXX, XXXX ). In XX/XX/XXXX, we continued with our monthly payments until XX/XX/XXXX. On XX/XX/XXXX, we submitted paperwork for an approved FHA Disaster Partial Claim modification that would cover payment for forbearance months + XX/XX/XXXX ( while the modification was setup and took place ) in the amount of {$10000.00}. We were instructed to resume payments in XX/XX/XXXX, and we have sent our monthly payment without failure to this date. 

However, as of today XX/XX/XXXX ( a year after we submitted documentation for the FHA Disaster Partial Claim modification ), the funds have not been applied to the account. In the bank system, we appear delinquent to the amount that equals this modification and regardless of our multiple attempts to call attention to the bank to review this anomaly, we have been told that their system is correct and that we must pay in full that amount. 

We sent a letter* dated XX/XX/XXXX to several offices of Home Point in multiple states with copies of all checks proof of our  regular payments. Should the FHA modification funds were applied, we would not be delinquent. We doubt they read our letter. On phone call in XX/XX/XXXX we were told that because of our delinquency our account was sent to legal department to initiate foreclosure proceedings. *letter attached to this claim. 

Checks with mortgage payments for XXXX and XX/XX/XXXX were returned ; we sent XXXX 's payment but won't be surprised that is also returned. At the moment our delinquency totals 7 months : 4 months covered by the FHA modification + XXXX, XXXX, and XX/XX/XXXX. We have placed the funds for the returned checks aside so that when the bank starts accepting payments again, we will be able to submit. 

For months we have received calls from debt collectors, and experienced dismissives from multiple bank associates and managers - because in their records their files are accurate. They don't seem to realize the FHA modification funds are missing! 

We need help locating the FHA modification funds and having them properly accounted towards our account so that we can bring our loan account current, and stop the wrongful foreclosure proceedings.
Consumer complaint received 2019-06-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SIMM Associates, Inc. (NY)

Beginning XX/XX/2019 my co-signer and I began receiving calls from SIMM Associates regarding my student loans. They have been asked to cease and desist contact to the co-signer due to their advanced age and medical status. The co signer is unable to understand or advocate. On XX/XX/19 they began calling me at work and leaving voicemails. It was requested this practice cease and desist and it continues. No also get phone calls beginning at XXXX XXXX from this company. The accounts have been closed for over a year. The company in which the letter states they represent is not the company in which I ever did business with
Consumer complaint received 2021-10-15
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. (TX)

According to the FCRA, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Furthermore, I have sent proof to several months back containing an identity theft affidavit as all the items being disputed are a result of identity theft. 

I demand that the following accounts be verified or removed immediately : All the items below are a result of identity theft : 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 Also , please remove all non-account holding inquiries over 30 days, and add a promotional suppression to my credit file to prevent further identity theft. 

Inquiries as a result of identity theft : 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
Consumer complaint received 2019-06-21
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. (MA)

I began the process to refinance my personal residence, and ran a credit report to review my activity. I noticed that there was an unsecured loan that appeared on my credit report that I had not opened, as well as numerous credit inquiries from companies that I did not contact. I reached out to the company that was holding the loan ( XXXX XXXX XXXX ) to report the fraudulent activity, and they sent me information detailing instructions on disputing the loan. Upon looking at the loan documents, my signature had been forged on the Approval Disclosure ; also, there was only in ID number in place of the signature on the Promissory Note. Also, I reached out to a credit resolution agency, who reached out to the credit bureaus on my behalf to inform them of the fraudulent activity. I do not know who opened this account or how my personal information was compromised.
Consumer complaint received 2021-06-11
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: LEXISNEXIS (CA)

I'm writing this complaint on XXXX, XXXX, XXXX  and Lexis Nexus, I have spoke the Bankruptcy courts and they have stated that they do not provide information to any of the credit reporting agencies meaning there shouldn't be anything on my credit reports, they have also stated the these uninterested 3rd parties such as XXXX  XXXX XXXX and Lexis Nexus access the courts data base through a public access portal called PACER to REVIEW information they did not say to REPORT information, since the courts are not responsible for the misuse of any information gathered as the consumer of the United States Corporation in going to take matter into my own hands. This is where the violations come into play. These uninterested 3rd parties I have mentioned are in violation of 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMERS RIGHT TO PRIVACY. Nobody asked these reporting agencies to report anything they went out of their way to harm my reputation. 
They are also in violation of 15 USC 1681a ( d ) ( 2 ) ( B ) the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
Every account that was included in the bankruptcy was an authorization of an approval of an extension of credit indirectly from my credit card. 
There is no need to validate this, I know im the original creditor I can only validate.
Consumer complaint received 2020-09-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Experian Did not do what they said they would do in my 1st Complaint! They have my SS # blocked where I am not able to call to speak with a person. Every time I call the only option I have is to add or remove a fraud alert. Any other prompt disconnects the call! 
I called using my deceased mothers Social Security number to see if I were able to get thru and they were able to give her multiple options for her to receive her credit report. This is very unprofessional because they have control over your credit! Please look into this! 

Please refer to my first complaint # XXXX
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

JPMCB CARD SERVICES - This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.
Consumer complaint received 2021-06-11
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)

I am the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the given name GREEN, CONSUMER, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will CONSUMER, GREEN and autograph as the agent, attorney in fact, so be it. 

I did not give consent to XXXX, Equifax, nor XXXX  to report XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX to my consumer report. 

15 U.S Code 1681a No Consent, is Identity Theft 15 U.S. Code 1681b Permissible purposes on consumer reports ( a ) In General any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give XXXX  written instructions to report anything on my consumer report.

15 U.S. Code 1681a ( 2 ) Exclusions ; the term " consumer report '' does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; XXXX XXXX and XXXX are in fact credit cards that are not supposed to be on my consumer report.
Consumer complaint received 2019-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (VA)

On XX/XX/XXXX XXXX sent {$12.00} to collection under my name and informations. I was not aware of this debt until XX/XX/XXXX when i pulled my credit report and it showed up under " Collections '' and caused negative marks on my credit report. By this time the debt was sent to Trident Asset Management for Collections and now it's in collection for {$62.00}. 

I made an attempt to contact XXXX to find the source of the debt, but they said they don't keep any records ...????? I contact the original collection company ( XXXX ) and they have the debt information, but no associated transaction # from XXXX to reference it by. 

I then called Trident Assest Management and they said i need to call to XXXX. 

I have a current account with XXXX since XXXX and it's paid upto date and do not have any other account with them. 

I am writing to see if you can investigate this matter into lack of basic accounting and accountability to send debt off to collection without notifying the customers. Furthermore, the lack of no original transaction # to reference the debt is not right. 

Shouldn't customers know what debt is owed by email mail or phone calls? instead of just sending it to collection and letting the customer in the dark until their credit report is pulled? 

Trident Assest Management acccount # XXXX XXXX claim # XXXX XXXX account # unknown
Consumer complaint received 2023-05-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XXXX we had to have two cars repossessed voluntarily due to job loss regarding a federal court case of foreclosure. My husband 's wages were garnished for the loan balance, which is being misreported on all bureaus. In XX/XX/XXXX, he was released from any obligations because the balance was brought to XXXX. We have been back and forth with XXXX XXXX and the credit bureaus to be taken off the report or updated as paid in full. I have been sent the letter from XXXX XXXX and the attorney 's office that filed the wage garnishment. Ally says to work with the credit bureaus as they know it should not be reported. The FCRA has changed its laws regarding reporting debt on credit reports of three years. We are being hindered from moving forward in life.
Consumer complaint received 2021-10-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: First Technology Federal Credit Union (CA)

I've already told First Tech Federal Credit Union that I have a pandemic-related financial hardship. Why First Tech Federal Credit Union is still charging me late fee and reported the late to my credit report? 
They waived the late charge but they didn't correct that late payment to my credit report according to https : //www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/help-for-homeowners/learn-about-forbearance/
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (WI)

I received a letter from debt collector, Unifin. I called Unifin because I am in complete disagreement that I owe any debt. Unifin told me that they had no information regarding the debt other than they were directed to collect the debt. The debt description was " XXXX '' on the letter, I called XXXX to research and understand the debt. XXXX went through their records and found that I have NEVER owed any money to XXXX, there has never been any debt owed from me to XXXX. So I called XXXX XXXX who claimed to have purchased the debt from XXXX and then redirected the debt to Unifin. XXXX XXXX was adamant that I owed them the debt and that regardless what XXXX said, my debt had been sold to XXXX XXXX. XXXX XXXX claims they sent me a letter in XX/XX/2021 to collect the debt and I never responded. So now in XX/XX/2021 I received a letter from Unifin to collect the debt. I immediately reached out to Unifin to understand what the debt was all about. 
I completely disagree with this debt and collection - I have no credit with XXXX, never have. I believe XXXX XXXX is acting fraudulently claiming I owe debt that I do not.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Financial Management Solutions, LLC (MD)

The company is Financial Management Solutions. XX/XX/XXXX this debt was dismissed in the District of XXXX Superior Court. It was past my states statute of limitations to collect a debt. I provided this information to the collection agency several times, however the agency continues to hang up the phone on me and scream at me telling me this is still a valid debt that - since my dispute - has now been listed on my report as delinquent. I have provided court documents from the original creditor 's lawyer and the Superior Court showing dismissal in XX/XX/XXXX. I recently disputed this item again with XXXX and XXXX  ( it is not listed on my XXXX ) XX/XX/XXXX. The amount continues to increase and my status is still derogatory.
Consumer complaint received 2018-12-31
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services (CA)

I have a Mercedes benz XXXX convertible. The convertible top got damaged and my insurance is will to pay XXXX $ to get it replaced. The only problem is the part is on back order.

It has been more than a month. Mercedes dont have ETA. They are not able to give me ETA. They dont wan na give me a new car. They dont wan na stop my payments.

Simply I am paying for a car that is not in my possession with no promises when they get it fixed.
Consumer complaint received 2021-10-15
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.