davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-14
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: Experian Information Solutions Inc. (AL)

This complaint is regarding the investigation of my disputed submitted on XXXX XXXX. I disputed the account with XXXX, Experian and XXXX. All three companies allowed XXXX to verify the reporting information as accurate. I requested that the credit bureaus send me the information used to verify the account along with the contact information for everyone involved in verifying the account, but did not receive the information. The information is not accurate. The open date is different with all three credit bureaus. Also, the open date is reporting as XX/XX/XXXX. However, there is no payment history reporting until the following year in XXXX when the account went negative. XXXX is the original creditor. Since they are reporting the account to the credit bureaus, they MUST report ALL information. The payment history is incomplete, which is a violation of the Fair Credit Reporting Act. There should be a payment reporting each month from the open date on XX/XX/XXXX, but it is not. Also with XXXX, the payment status has been reporting as 120 days late for over a year. This is obviously inaccurate.
Consumer complaint received 2020-01-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

According to my credit report on XXXX, based on my XXXX credit report, I opened an account on XX/XX/2018 with this creditor. I am quite certain that is NOT accurate. Aside from that, the creditor known as XXXX has placed my account in collections. Their action has negatively affected my credit report/score with Derogatory Marks. They are stating that my account has been sent to collections, however, I was never notified about this account and never received a bill. I'd like to address this IMMEDIATELY and get this negative remark removed from my report.
Consumer complaint received 2020-12-14
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. (AL)

This complaint is regarding the investigation of my disputed submitted on XXXX XXXX. I disputed the account with XXXX, XXXX and TransUnion. All three companies allowed XXXX to verify the reporting information as accurate. I requested that the credit bureaus send me the information used to verify the account along with the contact information for everyone involved in verifying the account, but did not receive the information. The information is not accurate. The open date is different with all three credit bureaus. Also, the open date is reporting as XX/XX/XXXX. However, there is no payment history reporting until the following year in XXXX when the account went negative. XXXX is the original creditor. Since they are reporting the account to the credit bureaus, they MUST report ALL information. The payment history is incomplete, which is a violation of the Fair Credit Reporting Act. There should be a payment reporting each month from the open date on XX/XX/XXXX, but it is not. Also with XXXX, the payment status has been reporting as 120 days late for over a year. This is obviously inaccurate.
Consumer complaint received 2021-12-07
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX
Consumer complaint received 2018-10-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

I am not presently working, so my wife called our mortgage servicing company ( Fay Servicing ) several weeks ago to apply for deferment until I start working. She was told the request will be forwarded to our account manager, but we did not hear from her ; therefore, on XX/XX/18 I sent her an email explaining our financial situation and stating that we need to apply for mortgage payment deferment. We have not heard from her up to this time.
Consumer complaint received 2021-12-07
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX XXXXXXXX Violated my rights on this date XX/XX/2022 They violated these laws : 15 USC 1692 ( B ) ( 2 ). 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).
Consumer complaint received 2023-03-31
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC ()

I am the XXXXXXXX XXXX of an XXXX. My fathert had a reverse mortgage on his home at in XXXX XXXXXXXX XXXX, being serviced by Carrington Mortgage Services. Upon his passing in XX/XX/XXXX  I contacted Carrington ( in XX/XX/XXXX  ) to find out what our option were. They told me that a 6 month extension was automatic, and interest would accrue at {$1100.00} per month as long as the property was for sale. As instructed, we installed a for sale sign and started showing the property to prospective buyers. We never received any additional information or communication from Carrington. During this deferment period, Carrington raised the monthly payments from {$1100.00} to {$1600.00} ( 47 % increase ). They also pushed the property into their foreclosure status in a scheme to add legal fees. First claiming they were not required to forward " sensitive '' documents to me, then later claiming it was because they didn't have proof of marketing, even though they sent a person out each month to photograph the for sale sign. 

At the end of the six month period, in XX/XX/2023, I called Carrington to find out what we could do. It was at that moment I was informed the property was referred to foreclosure and the monthly payments had been increased by 47 %. 

Either they misrepresented what the requirements were, or they knowingly withheld the specific details as part of a scheme to push the property into foreclosure to collect additional legal fees. 

At the very least, Carrington and its agents were deceptive in telling me the estate had 6 months @ {$1100.00} per month to sort everything out. That {$6600.00} expectation turned into a $ XXXX bill from Carrington at a time when our family was vulnerable and grieving. 

We were required rush out to obtain financing, resulting in a higher than normal origination fees and interest rates, all in the effort to keep Carrington from stealing our fathers house. 

This isn't right. We never even had a a real chance to dispute the charges. They just added all these fees on to the payoff.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My TransUnion Credit Report shows a balance of {$91.00}. They did not submit an invoice and I was unaware of the balance. When the account was brought to my attention I contacted the creditor, XXXX XXXX and paid the balance in full. The account has been closed for about 2 years.
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (MA)

I have a XXXX  XXXX and I can't not pay high interest on a credit card I have tried more then once to settle this issue with Discover and they refuse to remove all charges on the account my credit card was stolen and I do not owe over {$2000.00} and discover has done nothing to help me. Discover is discriminating against me and taking advantage of someone who only gets XXXX and can't afford to pay for someone else 's charges to my account. I'm not paying discover any more money because I don't owe any more money..Discover employees are rude and have hung up on me more then once. I'm gon na report them and file a lawsuit for discrimination if they don't remove these fraud charges immediately I'm not.playing their XXXX games anymore stop discriminating against me. Period or deal with legal charges.
Consumer complaint received 2021-12-07
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)

XX/XX/2021 : Sent Transunion XXXX XXXX  a letter requesting validation for these accounts : # XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXXXXXX XXXX Sent XXXX a letter requesting validation of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX Sent XXXX a letter requesting validation for these accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX REF # XXXX It has been 30 days and I have not been notified of the status of the validation.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (TN)

The following information XXXX XXXX XXXX reporting on my XXXX  credit report ( report # XXXX, dated XX/XX/XXXX ) is false and inaccurate. 

1. XXXX XXXX XXXX is reporting the account Status as Petition for Chapter XXXX Bankruptcy. This is not correct. I sought Chapter XXXX on XX/XX/XXXX. My Chapter XXXX was DISCHARGED on XX/XX/XXXX. I am no longer in bankruptcy. 

2. XXXX XXXX XXXX is reporting the Account History as Charge Off. This is not correct. This account was Paid-in-Full {$7900.00} by the Bankruptcy Trustee, XXXX XXXX XXXX, XXXX. 

3. XXXX XXXX XXXX is reporting the Account History that I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. This is absolutely false. 

I previously filed a Consumer Financial Protection Bureau ( CFPB ) complaint, ( CFPB Complaint # XXXX ). XXXX XXXX XXXX response stated they were to correct the inaccurate and false information, ( AUD Control Number : XXXX ). However, XXXX XXXX XXXX has failed to properly do so as XXXX   continues to report falsehoods.
Consumer complaint received 2018-04-14
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: ENCORE CAPITAL GROUP INC. (VA)

Have attempted to contact XXXX XXXX XXXX to offer {$25.00} a month payment because I am retired and that is all I am able to pay. The company hung up the phone and would not discuss.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX, XXXX and Experian have violated my right under FCRA and CARES Act - Dept of Education COVID-19 Emergency Relief and Federal Student Aid program. I am not late on any student loan because the relief is from XX/XX/XXXX through XX/XX/XXXX. If the 3 credit bureaus would have conducted proper investigation or even XXXX they would have know of these reliefs under the CARES Act. Please direct them to remove from all my credit reports as they are inaccurate, has errors and they did not verified. This has caused me stress and I can't obtain additional financial credit. Additional these confusing information below are on my reports and doesn't even make sense. Please direct the bureaus to explain so a simple person can understand. -- -- - DISPUTED ACCOUNTs 1. DEPT OF EDUCATIONXXXX {$1500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account number XXXX XXXX. DEPT OF EDUCATION/XXXX {$6500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account numberXXXX 3. DEPT OF EDUCATION/XXXX {$4600.00} Balance updated XX/XX/XXXX XXXX late payment Account numberXXXX 4. DEPT OF EDUCATIONXXXX {$4500.00} Balance updated XX/XX/XXXX XXXX late payment Account number XXXX 5. DEPT OF EDUCATIONXXXX {$6600.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account numberXXXX 6. DEPT OF EDUCATIONXXXX {$1500.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account numberXXXX
Consumer complaint received 2021-12-07
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. (CA)

I became a victim of identity theft XXXX of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-10-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I am now able to explain why Bank of America XXXX XXXX XXXX and XXXX XXXX along with employees multiple agencies were in bed together were trying to cover up which came out XX/XX/2021 XXXX in the morning. Claim No. XXXX stolen from me inside, Claim No. XXXX that XXXX XXXX assured me was mine with provisional payment also stolen from me but everyone trying to play tricks on me by denial and I now see why, below. 

On Saturday morning XX/XX/2021 around XXXX XXXX of XXXX XXXX and explained to me 1. you do have an XXXX claim 1. XXXX XXXX. XXXX after a long wait from as she said the Tech department that they said all your XXXX and Social Security benefits went into the same account with bank and you must talk to them about this. The person has the same name but an different address in Michigan and he is not from California the money came from California XXXX program that is what they mean about California and he did get your money. 

Then on Sunday morning I spoke to XXXX at XXXX XXXX and she said yes we will credit your account your claims dispute benefits and yes we can credit it while the Fraud Investigation is pending. 

Then I spoke to
Consumer complaint received 2019-08-28
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: JPMORGAN CHASE & CO. (MI)

I was charged two amounts of {$200.00} by United Air which should not have been charged. Additionally, foreign transaction fees of {$6.00} per transaction was charged. I called to request a refund of fees and a credit and the service agent was not helpful.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (IL)

I opened a loan with Personal Finance Company in XXXX XXXX IL months ago. I refinanced the same loan XXXX different times afterwards, adding a small amount to the loan. Then PFC was bought out by Mariner Finance. Then this past week when I went to apply for a mortgage with a bank I found out these refinanced loans were not updated on my credit reports so still show open, so it looks like I have several loans open!! I went into PFC/Mariner in XXXX XXXX and they said there is some kind of glitch in their system after they got bought out and several accounts did not get updated on credit reports. So I asked for my paperwork on all of the loans showing they had been refinanced as I did not received them when I refinanced. I do already have the paperwork on the current loan, which is all of the refinanced loans put together into one and it is now under their new owners name Mariner Finance. I then asked them to call their corporate office to update all on all of my credit reports, but they said the home office said all customers have to contact the credit reporting agencies and file a dispute and then they will have to update from that. Please contact them and have them update all of my accounts with them including all loans with PFC and all loans with Mariner as all were made and refinanced at the same establishment within a few months of each other and they still own the same establishment, with all of the credit bureaus and then have them send me a corrected copy of all of my credit reports from all three credit reporting agencies. I have tried to go online to file a dispute, but the system locks up and would not allow me in, so I would like for you to contact all of them for me. PFC/Mariner, XXXX, XXXX and XXXX. I have attached documents showing all were refinanced and only one loan is still open which is my current loan with them, the others should clearly state refinanced and closed.
Consumer complaint received 2021-12-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Simon's Agency, Inc. (PA)

I have reached out to SIMONS AGENCY several times. Most of the correspondences were sent certified mail. Initially I asked for validation of debt. Simons Agency responded several weeks later outside of the allotted time allowed by law. I sent an invoice for this violation. Simons Agency sent for the second time copies of an alleged debt on XX/XX/21. A cease and desist was sent to Simons Agency. A notice of fault and opportunity to cure was sent on XX/XX/21. As of todays date Simons agency has not replied to these violations. Simons Agency is in violation of the cease and desist as they are still reporting to my credit reports. I have never contracted with this company and validation of debt was not permissible by law.
Consumer complaint received 2020-01-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

At the end of XX/XX/XXXX I traded in my Toyota leases ( XXXX XXXX & XXXX XXXX  ) to XXXX XXXX in XXXX NY. XXXX Sent Toyota check ( s ) to pay both off. It appears that Toyota misapplied funds, all monies were apply to XXXX leaving an overage. I received a late notice for the XXXX? I called XXXX to find out why. Mr XXXX, sent me a copy of the canceled check for the highlander. I could not reach Toyota. Mr XXXX DID get through to Toyota XX/XX/XXXX, talked with XXXX ID # XXXX she assured him money would be transferred. I figured that would be the end and Toyota would correct their mistake. The beginning of XX/XX/XXXX I noticed something odd on my credit report reported from Toyota so once again I phoned Toyota on XX/XX/XXXX. On XX/XX/XXXX, I spoke with 3 people XXXX ID # XXXX, XXXX ID # XXXX & XXXX ID # XXXX. XXXX was the only person that seam to have some knowledge and found the mistake, she asked to give it a couple of weeks so the money could get correctly applied after the account was reviewed. I called today XX/XX/XXXX ( 2 wks ), talked to XXXX ID # XXXX, after explaining what happened to the account, she went through the notes. XXXX told me that the account need to be reviewed & give it a couple of weeks. This has given me much trepidation, and is affecting my credit.
Consumer complaint received 2021-12-07
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report :