davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

Your escrow analysis was performed on XX/XX/XXXX. At this analysis, you have a surplus of {$120.00}. 
New Monthly Payment XXXX STARTING ON XX/XX/XXXX PRINCIPAL & INTEREST XXXX ESCROW XXXX County Tax XXXX COUNTY Parcel : XXXX Annual Amount : {$9700.00} Next Installment Due : XXXX XXXX, XXXX Hazard Insurance Policy : XXXX Annual Amount : {$2900.00} Next Installment Due : XXXX. XXXX, XXXX Your escrow analysis was performed on XX/XX/XXXX New Monthly Payment XXXX STARTING ON XX/XX/XXXX SURPLUS AMOUNT XXXX Escrow analysis was performed without taxes and insurance information. 
My first escrow analysis was performed from {$0.00}, that's when I first realized there were problems with this company and have continued to date. 
My mortgage went from XXXX to Mr. Cooper and every since the switch ; there have either been inconsistencies, incompetence or unscrupulous dealings from employees within the company. I have spoken to these so-called escrow specialists and have yet to be convinced they know what they are doing.
Consumer complaint received 2018-08-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

I have identity theft on my credit report and the ONLY 2 accounts that should be on my report is XXXX XXXX   and car loan i did not apply for any accounts for giant XXXX nor XXXX XXXX nor XXXX XXXX I do not have inquiries for those companys if these are not removed im taking this up to OHIO ATTORNEY GENERAL please remove all these accounts from all 3 beureaus As i have a police report on file. this is dinging my credit i have called numerous times about this to the lenders and i have disputed it numerous times its not fair that im being responsible for stuff thats not mine!!
Consumer complaint received 2018-08-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

I have identity theft on my credit report and the ONLY 2 accounts that should be on my report is XXXX XXXX   and car loan i did not apply for any accounts for XXXX XXXX nor XXXX XXXX nor XXXX XXXX I do not have inquiries for those companys if these are not removed im taking this up to OHIO ATTORNEY GENERAL please remove all these accounts from all 3 beureaus As i have a police report on file. this is dinging my credit i have called numerous times about this to the lenders and i have disputed it numerous times its not fair that im being responsible for stuff thats not mine!!
Consumer complaint received 2022-03-08
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. (PA)

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 sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2018-08-03
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: EQUIFAX, INC. (AL)

I HAVE A CREDIT INQUIRY ON MY CREDIT REPORT FROM XXXX XXXX AUTO FINANCING XX/XX/2017. I HAVE NO KNOWLEDGE NOR HAVE I SIGNED CONSENT FOR THEM TO CHECK MY CREDIT. I HAVE DISPUTED WITH BOTH OPENLENDING AND EQUIFAX. THE ONLY RESPONSE I HAVE RECEIVED IS ITS FACTUAL, FROM EQUIFAX AND NO RESPONSE AT ALL FROM OPENLENDING. HOWEVER, CUSTOMER SERVICE REFUSES TO PROVIDE ME WITH THE INFORMATION OR DOCUMENTS USED TO VERIFY THAT THIS INQUIRY IS FACTUAL.
Consumer complaint received 2023-03-16
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. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

15 U.S.C. 1681s-2 ( a ) ( 5 ) ( a ) which states In general a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

The IRS clearly states a charge off as income.

Income DOES NOT get reported on the consumer which makes the reporting inaccurate.
Consumer complaint received 2018-08-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have identity theft on my credit report and the ONLY 2 accounts that should be on my report is XXXX  XXXX   and car loan i did not apply for any accounts for XXXX XXXX nor XXXX XXXX nor XXXX XXXX I do not have inquiries for those companys if these are not removed im taking this up to OHIO ATTORNEY GENERAL please remove all these accounts from all 3 beureaus As i have a police report on file. this is dinging my credit i have called numerous times about this to the lenders and i have disputed it numerous times its not fair that im being responsible for stuff thats not mine!!
Consumer complaint received 2022-03-08
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error.
Consumer complaint received 2020-12-16
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. (WA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$880.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$880.00} -This is not my account.
Consumer complaint received 2018-08-03
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: Experian Information Solutions Inc. (NY)

I settled this account and I am no longer liable for this account. this was settled in 2014 and they keep reporting this debt every year on my credit file, even though it was settled in 2014.
Consumer complaint received 2022-07-24
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: Fairway Independent Mortgage Corporation (CA)

I received a credit inquiry from Fairway Independent out of WI. I did not apply for any lending and I did not even recognize the bank so I reached out to find out what was going on. 

After speaking to an agent there, he told me they received an application and went ahead and processed it. I have an XXXX XXXX fraud alert in place, and asked if they had called to verify before using my social security number. They did not. 

He told me there was nothing he could and only said seems like this is a personal deal in my opinion. I then asked for a copy of the application and one could not be provided to me. 

I am now not receiving a response from the business after asking if they have a fraud department in house.
Consumer complaint received 2018-10-19
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: EQUIFAX, INC. (TX)

On or about XX/XX/2016, XXXX XXXX XXXX. submitted an outstanding balance of {$7000.00} to Equifax claiming that I have purchased goods from XXXX XXXX and have refused to pay it back. I contacted them several times to show me receipts and evidence that I have in fact made these purchases but they refused to do so. I told them repeatedly that I did not make these purchases but they insisted that I am responsible no matter what. I know they are a collection agency. I have contacted Equifax numerous times disputing these charges but they continue to claim these are my charges without providing any proof. If anyone has dealt directly with Equifax, can appreciate my frustrations. Most of their agents dont speak English well enough to comprehend the issues. They should not ruin ones credit with thorough investigation and documentation. I took it upon myself and found out who used my account number and filed a legal claim and have a judgment against her that I have tried to share with both Equifax and XXXX XXXX but they simply dont care and dont care how their lack of proper investigation and inaccurate reporting hurt people like me. I have my best to resolve this but are of options and can not afford legal fees to seek justice.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts 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.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

The payment history on the credit bureau report shows 30, 60, 90, 120, 150 days past due for XX/XX/XXXX through XX/XX/XXXX for my HELOC account. During that time, the account was on a CARES act COVID-19 Forbearance. In XX/XX/XXXX, the account was brought current by paying the entire forbearance. Under the rules of the COVID-19 forbearance, when the forbearance was repaid in XX/XX/XXXX, all of the previous months should reflect as paid on time. 

Under the CARES act, COVID-19 Forbearances must not be reported as past due as long as the account was current prior to the forbearance, which it was. A properly reported COVID-19 Forbearance must not have any negative impact to credit score. 

I have filed a dispute with Experian, who in turn contacted my creditor. The dispute was closed with no change to the payment history on the account. The five months noted above remain showing past due on the credit report, which is incorrect. With the account brought current, they should reflect as paid on time. 

As a result of this reporting error, my credit score has dropped 100 points.
Consumer complaint received 2018-08-02
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. (NC)

I have contacted Experian and XXXX several times about an on going issue, Experian and XXXX XXXX continues to update and report a 125 % utilization on a 2 year old XXXX  XXXX charged-off in the amount of {$2000.00} that is alleged to belongs to me. 


I have spoke with Experian about this issue over the phone, they refuse to investigate. I noticed XXXX XXXX is an original creditor who sold that account to a collection agency, in 2016, but continues to update a balance of {$2000.00} and a 125 % utilization to prevent me from applying for loans. 

Experian is in clear violation of the Federal Credit Reporting act and continues to report information they know that is inaccurate.
Consumer complaint received 2018-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (SC)

I C Systems inc. whos creditor is XXXX says I owed them XXXX. And that the account was opened two months ago! I havent had XXXX so how the heck can I owe them. I want this removed from my credit NOW!
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FIRST NATIONAL BANK OF OMAHA (OR)

I accepted a balance transfer offer from XXXX for a XXXX University-associated card. The first bill included the full balance transfer fee plus the minimum balance calculated, for a first payment of nearly 10 % of the balance due. The fee is less than the remaining available balance. 
The Cardmember Agreement does not identify this fee as payable immediately or indicate in any other way that the transfer fee would be required to be paid in full.

I called the company and they pointed to a small paragraph on the back of the mailing card ( 1 of 4 documents ) stating that the minimum paying would be " ... the current cycle fees and finance charges plus 3 % of the new balance '' and claimed that the balance transfer fee qualifies.

I have done several balance transfers with multiple cards over the years and not one single time has a company tried to front-load the fee. This is not standard for the industry and was not disclosed clearly at any point, certainly not before I agreed to the transfer. 
In addition, the Cardmember Agreement expressly states in Section 18 " Other Terms '' that " This Agreement replaces any prior communications between you and us '' and the Agreement does not identify, disclose, or even suggest that the fee would be due immediately.
Consumer complaint received 2018-06-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cottonwood Financial Ltd. (TX)

After reviewing my credit profile on XXXX XXXX XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX. I requested a validation on XXXX XXXX XXXX as the debt amount owed is not correct. On XXXX XXXX XXXX I received a response that the creditor needed more time to investigate the account. No further correspondence nor validation has been received from XXXX XXXX XXXX and they have exceeded the timeframes to provide validation. Based on their failure to validate this account adequately I disputed the account with all 3 credit bureaus on XXXX XXXX XXXX however the account is still reflected on my credit profile and continues to negatively affect me.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been dealing with Bank of America Credit Card that I have had since XXXX which started since XX/XX/XXXX. Keeps kicking out the theft of card -- -- -- -- -- -- -- -- - sent new card- and still continues in XX/XX/XXXX! I have to make appoints with a financial center since XX/XX/XXXX. Takes weeks/ months to get an appointment. Not that many left open in XXXX, FL. I went from the XXXX  of XXXX until the XXXX of XXXX until I could speak with a Manager. XXXX XXXX at XXXX XXXX XXXX XXXX, @ XXXX. ( that is No longer with company ). quit! This is a mess by them. Sent me a new card and said nothing! ( Bank of America ), I reported the Credit card lost! The only thing I have been paying on is cash I took out, not informed that intrest was involved. That was on XX/XX/XXXX, for $ XXXX then card was either left at bank or stolen? Spoke with XXXX and agent from credit on phone, and said to pay on the {$1500.00} thus far. I have ever since. It was XXXX on the FRAUD team and on the call. My balance is as of today -- -- -- -- -- -- -- -- - XXXX another payment due XX/XX/XXXX, I mean are you kidding the theft was : $ XXXX when card taken ... .... Please help.
Consumer complaint received 2022-03-08
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. (DC)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureauthe date of the last letter was on XX/XX/ 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXXXXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX
Consumer complaint received 2018-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CURO Intermediate Holdings (TX)

Speedy Cash calls me, and when I answer, it is an automated message saying that I have a payment due tomorrow. I have never had a Speedy Cash loan. I have returned their call multiple times to tell them to quit calling me, but I continue to receive automated calls.
Consumer complaint received 2021-11-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (TX)

Today XX/XX/2021 Shellpoint 's representative XXXX XXXX just made up that I said that the documents that Shellpoint requested from me were not necessary. But, he will not list what these alleged documents are because it is false. 

The only document that I did not sign was the tax payer consent form. This form authorizes Shellpoint to release my personal tax information to third parties. This document was not necessary when Shellpoint provided a modification which it would not comply with after I successfully made all of my trial payments then Shellpoint took back the loan modification because I paid the amounts on their statements. 

I provided Shellpoint with a 4506-T and a 4506-C which allows Shellpoint to access my tax information form the IRS. I provided my last two years of tax returns.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (RI)

On XX/XX/XXXX at XXXX XXXX  est a payment in the amount of {$1000.00} was made to Toyota Financial and I was hit with a 30 day late payment on my credit report.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX does not update their information, things for 7 years ago that has been paid off is still on my report. I have been having issues gaining employment because of credit report issues.