davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-12
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. (TX)

I opened an account with XXXX XXXX ( XXXX XXXX ) in XX/XX/XXXX. However, I never received a bill and unfortunately forgot about the account until I discovered it on my credit report in XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX and explained the problem. They accepted payment for {$190.00} which was the original amount plus interest ( waived the late fees ) and told me that he account would be reported as closed and paid. My next credit report showed that I was still in " charge-off '' status in the amount of {$440.00} ( full amount plus interest plus late fees ) AND I now had an additional current balance of {$250.00} ( amount of the late fees ). I asked for a letter stating that the account was paid and closed. I will attach the letter they sent me. I have been unable to remove the " charge-off '' status or the " current '' balance of {$250.00}. The original charge was {$150.00}.
Consumer complaint received 2018-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OR)

On XX/XX/XXXX I made my first payment on our new mortgage with Freedom Mortgage - I wanted to setup recurring semi-monthly payments ( offered on their website - mobile and desktop version ). So, I had to make another payment to be ahead enough for payments to work. So on XX/XX/XXXX I made another and have been trying ever since to setup recurring payments that will be draw on the XXXX and XXXX of every month beginning on XX/XX/XXXX. 

Every time that I've tried to set this up I've gotten an error message that says " Were not able to access your loan information at this time '' on their website and nobody at the customer service help line seems to know what the issue is. First I was told it was simply because I was trying to do this on my phone, through their mobile-friendly website. Then, when I borrowed a laptop I was told it was because I was using XXXX XXXX - listed as an approved internet browser on their website. 

Next I was told that there may be an issue with my account but I'd need to fill out a form to have it looked into. I've done everything that I was told I needed to do to make this mortgage payment process simple and seamless with automatic, split semi-monthly payments but nobody at Freedom seems to know what is going on or how to fix it. 

Most of the customer service representatives have sounded very nice but are so scripted in what to say that once the conversation doesn't go where their script says they become nervous and uneasy about what to say. I'm worried that my complaints don't seem to go where they need to go with this Servicer.
Consumer complaint received 2018-10-19
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. (AZ)

" " '' I have disputed this collection on this XXXX XXXX  for months.XXXX  and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2018-11-12
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: Bread Financial Holdings, Inc. (AL)

XXXX - XXXX XXXX XXXX XXXX XXXX. I have never been late in a payment and they reported I was 30 days late on a payment. I call every month to take care of my payment. There is no reason why this was reported to XXXX
Consumer complaint received 2018-11-12
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: CITIBANK, N.A. (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. Upon checking my credit, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report.
Consumer complaint received 2022-06-18
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. (FL)

I have been requesting the credit bureaus Equifax, XXXX and XXXX to remove outdated accounts from my report now for over 5 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Florida. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are 2 others accounts. 1 was already paid and still showing a balance and the other has no info on who the collector is or how I could attempt to investigate. I have requested this to be updated and asked the collectors to validate these dates as of yet, no response have been received neither from the bureaus or collectors. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.
Consumer complaint received 2018-11-12
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. (TX)

On or about XX/XX/2018 I sent the attached letter ( XXXX XXXX  XXXX letter ) to XXXX XXXX  detailing inaccuracies they are reporting to XXXX, XXXX, and Experian. Under section 623. ( a ) ( 8 ) of  FCRA entitled ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I am entitled to dispure inaccurate information to the data furnisher. I've previously disputed this information directly to the credit bureaus, but XXXX XXXX is determined to flout the law and keep reporting information they know to be inaccurate. Under 623. ( b ) of the FCRA entitled 623. ( b ) Duties of furnishers of information upon notice of dispute it states in part that " In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a  person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ''. In this case XXXX XXXX  was provided all the information they needed including a copy of the credit report ( with the tradeline circled ), my partial account number, the basis for the dispute, and the report number from the credit bureau.
Consumer complaint received 2018-11-12
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. (TX)

On or about XX/XX/2018 I sent the attached letter ( XXXX 's XXXX letter ) to XXXX 's detailing inaccuracies they are reporting to Transunion, XXXX, and XXXX. Under section 623. ( a ) ( 8 ) of  FCRA entitled ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I am entitled to dispure inaccurate information to the data furnisher. I've previously disputed this information directly to the credit bureaus, but XXXX 's is determined to flout the law and keep reporting information they know to be inaccurate. Under 623. ( b ) of the FCRA entitled 623. ( b ) Duties of furnishers of information upon notice of dispute it states in part that " In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ''. In this case XXXX 's was provided all the information they needed including a copy of the credit report ( with the tradeline circled ), my partial account number, the basis for the dispute, and the report number from the credit bureau.
Consumer complaint received 2023-03-22
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. (OH)

[ See attached documents! ] I disputed XXXX XXXXXXXX and XXXX XXXX XXXX multiple times with Transunion. I have submitted an FTC report and any supporting documents needed. Each time they have indicated the accounts were verified however, I never received an original contract with my signature from the bureau or the company reporting my information. I did NOT consent for the accounts to be reported to my credit file per Section 604 A Section 2 of the FCRA. I have a right to privacy and a right for any information to report accurately on my report. 

Transunion has violated the below laws : 1 ) Refusing to block information resulting from identity theft per 15 U.S. Code 1681 c-2 within 4 business days.

2 ) Not adopting reasonable procedures that is fair with regards to confidentiality and accuracy per 15 U.S. Code 1681 ( b ) 3 ) Refusing to delete inaccurate and inconsistent information per 15 U.S. Code 1681 s-2 4 ) Reporting Late Payments. 15 U.S. Code 1666b 5 ) Not respecting the consumers right to privacy per 15 U.S. Code 1681 section 602 A Please block and remove the accounts listed in my FTC report.
Consumer complaint received 2018-11-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bristlecone, Inc. (VA)

The amount due on this account is inaccurate. They are trying to charge fraudulent charges to get more money. The total amount of the product was for {$2500.00}. The amount already paid to them was 9 payments of {$240.00} + {$2200.00} plus initial deposit of {$640.00} bringing that to a total of {$2800.00}.

Therefore, this account was paid in full. I have previous documents and statements proving this. I would like this removed from my credit score account.

I have contacted them numerous times and all I have been told is that I owe them {$5600.00} more. They constantly threaten that if I don't pay it that they will making this appear on my credit score. They are continuously ruse on the phone to me. Wont try to help me or listen to my concerns.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX, XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (VA)

I have my checking account debt card, capital XXXX credit cards, XXXX express credit card and citibank credit cards linked to my XXXX Account. I also have the XXXX XXXX XXXX credit account that was established at the beginning of XXXX. I have never activated the credit card associated with my XXXX XXXX XXXX. 

While on vacation out of town XXXX XXXX, XXXX I contacted XXXX because I need to use the credit that was available on my Smart Connect account do to my purse being stolen while I was on vacation that had my Capital XXXX and XXXX XXXX cards in it along with other personal items. 

I asked if they could either send the available credit from my XXXX XXXX account to my XXXX account or something because I had no money and only a XXXX XXXX card. The representative stated all she could do is issue me the XXXX XXXX credit card that would be sent to my house. 

When I went to my XXXX account online to make my Smart Connect payment in XXXX XXXX as I have done since its inception ) the screen showed I had no payment due. I began getting calls from XXXX smart connect stating the account was past due. I spoke to them and explained that the account online showed no payment do. And they should remove any late fee 's because of that and need to adjustment my minimum payment to what it had been for years. Considering they were saying it was twice than what it should be due to their technical difficulty. 

They explained to me that the representative on XXXX XXXX, XXXX reissued a new XXXX XXXX account number and that it was n't associated with the original one that was included in my XXXX account. They have yet to provide me with the new account number, they have n't since me a statement with this balance information detailed and each time I request it the representative hangs up on. As they did today.
Consumer complaint received 2018-11-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (PA)

Recently, a collection agency named National Recovery Agency, started reporting 3 medical bills on my credit report. Prior to these accounts appearing on my report, I did not receive my notice of my right to dispute. This is a violation of my federal rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2018-05-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Peoples Home Equity, Inc. (CA)

XXXX XXXX XXXX has been advertising to come and see her at her office to get prequalified this was in XX/XX/XXXX when i asked her if she was a licensed Loan Officer she said no and that a license was not needed to go over rates and payments and to see if i was able to get qualified for a fha loan. Since XX/XX/XXXX her company has changed to a couple of different names. When i asked her if i was qualified all she told me is that she would get back to me and i still have not received a decision back from her. She told me that because I'm self employed she was going to have to prepare my XX/XX/XXXX taxes for me so that i could qualify when i have asked if she was a CPA she said no but she has prepared a lot of buyers taxes so they could qualify for a home loan. This has me very concerned that a person who is not a licensed Loan Officer or CPA is preparing taxes for people so they can " qualify '' for a mortgage.
Consumer complaint received 2018-11-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (VA)

The amount due on this account is inaccurate. They are trying to charge fraudulent charges to get more money. The total amount of the product was for {$2500.00}. The amount already paid to them was 9 payments of {$240.00} + {$2200.00} plus initial deposit of {$640.00} bringing that to a total of {$2800.00}.

Therefore, this account was paid in full. I have previous documents and statements proving this. I would like this removed from my credit score account.

I have contacted them numerous times and all I have been told is that I owe them {$5600.00} more. They constantly threaten that if I don't pay it that they will making this appear on my credit score. They are continuously ruse on the phone to me. Wont try to help me or listen to my concerns.
Consumer complaint received 2018-11-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX has called me repeatedly they call 10 to 15 times  a day. They use different numbers to call. They also use my home phone number to call me, my number pops up on my caller ID when they call. I asked them about this and they act like they do not know what I am talking about. Pleas stop them.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENOVA INTERNATIONAL, INC. (AL)

I am the victim of identity theft. I reached out to this company to inform them of the issue to no avail. I have filed a police report as well as an identity theft report with the federal trade commission. Net Credit will not remove this account from my credit and go after the scammer. The date this account was opened is XX/XX/20 with a current balance of {$7500.00}. This is absolutely ruining my life. Please find the scammer and prosecute them!!
Consumer complaint received 2018-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I have my mortage payment withdrawn from my bank the XXXX of each month automatic payment. At the end of XXXX not sure the date I went online to change the added money I was making on the principal and changed it to my escrow account. That was the only change I authorised. On XX/XX/XXXX the mortage payment was withdrawn from my bank not on XX/XX/XXXX. I called the company and asked why was it withdrawn on XX/XX/XXXX and not XX/XX/XXXX the lady told me that if you make changes to your account it changes the withdraw day by default to the XXXX of the month. I said no I didn't ok that and wanted a credit back because I had money comming in before the XXXX to be able to make my regular payment. I was credited the amount back and said to withdraw it on XX/XX/XXXX which is my normal withdraw date. I latter found out It was not withdrawn on the XXXX not sure why. During the last week of XXXX and the 1st week of XXXX I kept getting calls from the mortage saying to give them a call about my mortage but never said why. On XX/XX/XXXX I called and was told I missed my XX/XX/XXXX payment. I said how could that be it's paid by automatic payment from my bank and if it was not withdrawn it's the mortage companies fault not mine and the guy said he didn't know what happened. I said it was paid and I would check with the bank and was told to send proof that it was paid. I checkd my bank statements and found out it was not paid so I called back on XX/XX/XXXX and said it was wrong saying it was paid and said I would make a payment over the phone. I was credited with the payment on XX/XX/XXXX. On XX/XX/XXXX I recieved a letter from the mortage company saying im past due more than 30 days and my account is in default which is NOT my fault for the missed payment and if anything I should get an apology for the mistakes and confusion the mortage company made and admit it was their mistake for not making the withdraw on XX/XX/XXXX which is the normal date and to say we don't know what happened is not a good excuse and to find out what happened. The mortage company should NOT make changes to my account without my permission which started this whole problem at the end of XXXX.
Consumer complaint received 2018-11-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation (TX)

We used Fairway Independent Mortgage Corp. ( Fairway ) to purchase our home through their VA program as I am a XXXX Veteran. During the process of signing the mortgage paperwork, I asked our loan originator ( the person helping us with the application and our contact through out the entire process ) if we could make Bi-Monthly payments and for more than what the payment was ( additional principal ) to pay down our Mortgage. She told us yes we could and it could be set up online. I also asked her if our Mortgage would be sold, she advised us that although we were signing documents stating that it may be sold, that in fact no it wouldn't be sold. Less than 30 day after closing, before the XXXX payment was due, we were notified via phone by XXXX XXXX   that they had purchased our loan. As of this date ( XX/XX/18 ) we have not received ANY written or verbal correspondence from Fairway, as required by law that they have sold our Mortgage to XXXX XXXX  XXXX ( XXXX ). When attempting to set up Bi-Weekly payments and additional principal payments, XXXX XXXX advised me that they did not offer those options and that they would not apply additional principal payments until the next full payment was received, that funds would be held in a separate account. This option was very important to us and we were told that it was available to us, in addition, to have a re-amortization of our Mortgage, XXXX all charge us {$350.00}, there was no fee for this with Fairway. We did not agree to these terms and are forced to accept them due to the sale of our Mortgage. We feel that we were not treated fairly and lied to about this and it has affected the way that we wanted to pay our Mortgage and investment in our home.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. 

i would like to delate this account from my credit report immediately. you failed to investigate ths account properly and your neglect has violated my rights i am demanding a deletion of the following account : Account : XXXX XXXX XXXX Account XXXX in According with the fair credit reporting act.the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

I have every right by law to eliminate these accounts from my credit that affect without reason, I believe that these companies have incorrect information that I would like to remove from my credit report.
Consumer complaint received 2022-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In summary, when we closed the refinanced deal with another lender and SPS charged us XXXX for the payout which was originally {$460000.00} before I made XXXX payments from XX/XX/XXXX XX/XX/XXXX equal to {$33000.00}. In addition, SPS did not report all the mortgage payments that I made during the pandemic but SPS somehow decided to charge me {$31000.00} in delinquent payments during the pandemic. In addition, SPS charged me {$42000.00} in interest for XXXX which is very concerning since I dont even pay {$42000.00} in mortgage payments each year. Also, SPS added an XXXX debt on my credit as debt and recouped it at the closing of the refinance in XX/XX/XXXX. I strongly believe Select Portfolio Servicing is guilty of UNFAIR BUSINESS PRACTICES, IN VIOLATION OF BUSINESS AND PROFESSIONS CODE SECTIONS 17200, ET SEQ, Fraud For Profit and more