davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
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. (AZ)

I have been a victim of identity theft due to multiple data breaches with prior employers and a major credit bureau ( XXXX  ). As a result of this identity theft, it has impacted my life in a major way resulting in a declination of employment, residential leases, consumer credit, and has cost me greatly when establishing credit or utility services with large down payments requirements. My personal credit report with all 3 major credit bureaus ( XXXX, XXXX, Transunion ) have multiple inaccuracies listed that is displaying  defaulted credit items that do not belong to me. I have multiple Hard Inquiries that are listed on my personal credit report that I did not authorize. There are addresses and phone numbers listed on my personal credit report that do not belong to me. I have been disputing all of these items over the course of the past few years with no real changes being made to my personal credit report which is impacting my overall personal FICO score negatively. 

NOTE : I AM NOT WORKING WITH A THIRD PARTY AGENCY OR CREDIT REPAIR COMPANY, NOR AM I PAYING A THIRD PARTY AGENCY OR CREDIT REPAIR COMPANY. MY DISPUTES SENT TO TRANS UNION LLC HAVE ALL BEEN DONE ON MY ON TIME, MONEY AND EFFORT.
Consumer complaint received 2015-09-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (PA)

I have been paying my mortgage by direct withdrawal for the life of the mortgage approximately 15 years. I am now being harassed by XXXX that my mortgage has not been paid since XX/XX/XXXX. I have notified them that if my mortgage has been sold the new mortgage holder apparently not getting the money. This has now been going on for more than a month. I have sent letters to all concerned parties that I am aware of Freedom Mortgage, XXXX XXXX, XXXX, and XXXX XXXX. I have not been informed of what they are doing to correct this situation. On XXXX/XXXX/15 I received an email that again my payment will be coming out of my checking account on XXXX/XXXX/15 as has been the custom since the beginning of my mortgage. I also received a late notice for my tax bill which I received the XX/XX/XXXX and sent to the mortgage company the very next day. I am sure that my credit has been jeopardized and refuse to look as I do not want to get any more upset than I already am. At this point do not know who or where to turn.
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (KY)

On XX/XX/2021 I reached out to Conns XXXX XXXX about resolving a delinquent bill. They transferred me to another department. When I got to said department I was promised that when I paid the balance in full ... no settlement that they would remove the account in its entirety from my credit report. I paid the balance immediately with this guarantee. I paid the entire amount due of XXXX on my XXXX card. I got notification today from my credit report that they in fact did not remove it in its entirety but only updated the account. I have called Conns Several times today and rude rep after rude rep has been no help in getting this issue resolved
Consumer complaint received 2016-10-06
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (LA)

1. bought a house ten years ago. With recent flooding events in my area, I discovered the reason my house took on water was because my den, sunroom and carport are all built on unreinforced concrete ( no rebar ). Engineer assessment determined it structurily unsound and the only solution is demolition and rebuild. Have contacted mort. company and they want all kinds of info, banking, salary, tax forms, IRS forms, etc. Although I can afford my mortgage, there is no way I can afford demolition and rebuild. I asked them to go with a Short sale, or Deed in lieu of Sale. If I ca n't afford the work to be done, I will have to walk away from my mortgage. Either way I lose. Can anyone advise or help me?
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report.

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to XXXX XXXX compliance standards, according to the XXXX. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRAXXXX XXXX XXXX truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX XXXXXXXX Late Payment {$0.00} 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 XXXXXX/XX/year>
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (IL)

Synchrony Bank is ignoring copies of payment documentation validating the correct balances owed.

There is a Balance Dispute with Synchrony Bank regarding two ( 2 ) accounts : XXXX and XXXX Card. Payments have not been appropriately applied to account. XXXX Credit limit is {$1000.00} ; limit was never increased or decreased. My payments total {$1400.00}. Account is PAID IN FULL, and no 'Easy Pay ' payments are owed ; QVC has confirmed this. Yet Synchrony Bank continues to bill {$1000.00}. As of XX/XX/2020 an alleged investigation was initiated by the Synchrony Bank 's corporate office, yet, I don't believe it, and Synchrony Bank has reported my account to the credit bureau ( s ) as DELINQUENT, causing my credit score to decrease 86 points. So egregious! You'd think they'd at least wait until AFTER the concluded investigation. However, I've advised Synchrony there will be no further payments because the account is PAID IN FULL! 

The XXXX XXXX credit limit is {$800.00}. Limit never increased nor decreased. Payment History validates my total payment history to date as {$840.00} ; Balance currently owing is {$100.00}, yet Synchrony Bank 's records continue to state {$800.00} is owing. ABSOLUTELY OUTRAGEOUS!! Despite Synchrony 's error, they have reported my account to the credit bureau ( s ) as delinquent causing a drastic drop with my credit score.

I now believe Synchrony 's billing errors are fraudulent and an attempt to coerce customers to pay double for merchandise purchased with these cards.
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (OH)

I had a loan with vanderbilt finance company. It was a mortgage for a mobile home. It was foreclosed and I settled with them XX/XX/2015. I was told that Vanderbilt would correct the information on the credit bureaus immediately. I was recently declined for a loan because Vanderbilt is still reporting an active judgment against me. Again, I settled with them XX/XX/XXXX. I was given the name of the one person who was able to help me with this matter and his extension. I have called and left him 6 messages over the course of two weeks. He has not called me back. I let him know in my message today that I would be contacting the CFPB for help if he did not respond to me by EOD today.
Consumer complaint received 2017-12-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (IN)

My mother and father owned their home for 37 years in XXXX they took out a loan on there home with green tree XXXX company. My father XXXX XXXX in XXXX. My mother XXXX XXXX in XXXX. I then went to court for a quick claim deed to the property. I was granted the deed at My exspence. I Informed greentree of all changed being made and ask them what I could do to take over the mortgage and was told simply pay the payments. I turned in my insurance information that proved i was the name on the insurance not my parents and both XXXX XXXX XXXX as well as all the court documents promptly. They excepted the paper work but still did n't let me take over the laon. A year later they switched from green tree to ditech. That 's were my troubles bega n. They refused my insurance. I had to dispute them in addition my insurance agency has to make contact with them to dispute there action since I had the quick claim deed. After that was settled i was told to only make payments threw there speedway method as the only way to avoid late fees. They would hold my payment as a partial payment and not apply it to my account causing me late fee s after I had already payed for there speedway method. My payments would be applied to other things than my account causing me to have to send more money to complete the partial payment they had takin money out of. I would do one time payment options and Ditech would set up unauthorized payments without my knowledge this action caused my bank account to overdraft XXXX dollars and be closed in XXXX XXXX. I would send them my payment and receive my confirmation number to later find out they did n't take the money out of my account and that caused my account to default my loan. I sent 3x the amount i would have payed of they would not have refused my payment in the first place. My phone records prove they call me 10 x a or more a day from XXXX in the morning till XXXX at night. The line will be dead when I answer it. I have contacted them multiple times in hopes of help saving my home. They tell me to pay up the full mortgage amount or get out. I am currently awaiting my forcloser court date. In XX/XX/XXXX i found out Ditec h was failing to pay property taxes on my property That escrowed in my mortgage i was two years four instalment behind. They did not want to pay it but had no choice or the state was going to take possesion, I payed Ditech and they failed once again on there end. I have tried to refinance the loan and no agency will help me because it is a fema loan. Please help me save my family home. This situation caused because of Ditechs fault and negligence. My parents XXXX in this house.
Consumer complaint received 2020-06-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

CFPB DISPUTE RE : Bank of America credit card XXXX Account history : The account was opened in XXXX This credit card account was a joint account between my father XXXX and my mother XXXX. 
I was added as an authorized user to their account when I was in college. 

Death certificates for both of my parents are attached below : -Father XXXX XXXX SS # XXXX Date of death XX/XX/XXXX XXXXMother XXXX XXXX SS XXXX XXXX Date of death XX/XX/XXXX My legal name is XXXX XXXX XXXX . My SS # is XXXX. My identity documents are below. I helped care for my mom and we shared the same address at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 


Overview of issue I need help addressing : I contacted Bank of America after my mothers death and was told that they wouldnt remove me from the account and process the account as a deceased account since both of my parents, the only liable parties, were now deceased. 

I felt forced to continue to make payments from my own account after my mom 's passing because I didnt want any late marks on my perfect credit. 

I have never signed a contract to be a liable party. I was always ONLY an authorized user.
Consumer complaint received 2015-09-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (GA)

Homeowner is currently 3 months behind on its Mortgage. Homeowner situation is of a temporary nature. Homeowner is ready and willing to commence payments. Servicer refuses to consider a request for a partial claim, forbearance or other workout solution. Homeowner believes there is a simple fix to this servicer made complex issue. A payment plan that will bring homeowner to a current position will resolve issue. 



Homeowner is placing Freedom Mortgage on notice, that I am " putting the world on notice '' of the security interest in order to make the secured parties ' rights fully enforceable is known as " perfection. " Secured Party Creditor, which is the Homeowner and will be referred to Homeowner herein after, has the right to Exercise Judicial Enforcement and request damages for the trespass against the Debtor Property, which is exempt from levy and in accord to XXXX Statement # XXXX 2015 XXXX. The Secure Party is the rightful holder in due course. Secure Party has a superior lien against the property in question and is above all others who profess to have an interest. Any attempt to commence a foreclosure proceeding will be consider a commercial injury and will be subject to the collateral value stated in the XXXX XXXX XXXX stated herein. 

A workout solution would be beneficial to all parties. If a workout solution is not met, the Homeowner will exercise its rights under XXXX XXXX accordingly. 

The Homeowner desires a workout solution.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2020-10-26
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. (GA)

Experian has not been investigating the accounts I've disputed correctly. They use an electronic system that inserts the negative items although I have creditor letters advising Experian to permanently delete these items. I have been trying to buy a home and I can not due to Experian reporting accounts that have been previously deleted over 10 times!

I've submitted paperwork, I've filed complaints and I continue to dispute. They will not permanently remove these accounts causing negative impact. Something has to be done. I am ready to sue Experian. No other credit agency has these items listed but Experian somehow does.
Consumer complaint received 2021-09-21
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. (CA)

XXXX dropped my credit score by three points on XX/XX/21 and TransUnion lowered it by two points for new balances on my XXXX card for {$110.00} and XXXX XXXX card for {$11.00}. This is insane and abuse of power. I am using less than 0.5 % of my credit line and both balances have been paid in full. This should not have been allowed to occur. They have done this to me in the past a few times and I am not going to let this continue.
Consumer complaint received 2020-10-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Hiday & Ricke, P.A. (FL)

XX/XX/2020 I received an email from Hiday & Ricke , P.A . ( Paralegal Mrs. XXXX ). 
They wanted to settle a debt with a creditor ( XXXX XXXX  ) on an auto loan. While I was working during this time my husband and I advised them that we were unable to make any payments more than {$100.00}. This law firm said that they weren't going to accept it because it was going to take too long to pay off. So after speaking with my husband, we were going to see them in court and get it rectified. I received another email and call from Hiday & Ricke stating that I would call her later because I was at work. At this point, we were going to meet them at the courthouse. 
XX/XX/2020 Hiday & Ricke brought up another offer to do a Consent of Final Judgement for 6 months at {$75.00} then work with Post Judgement after that. At this point, we had decided to go to court and work it out. Then 10 days later, I was terminated from my job. I emailed Hiday & Ricke and told them what was going on. At this point, Paralegal Mrs. XXXX, said that means your husband needs to file Florida Statute 222.11 Head of Household waiver. Then I asked her do we still need to show up in court and she stated that we didn't have to we could sign a Consent of Final Judgement that would stop us from visiting the court.

Then my husband and I started receiving court documents via mail stating that they were going to take our vehicles. We still hadn't received a Florida Statute 222.11 Head of Household waiver XXXX XXXX I emailed Hiday & Ricke ( post judgement-Starr Curran ). She stated we could still work out something but they still didn't include the Florida Statute 222.11 Head of Household waiver only their Financial Information document that wasn't helping. 
XX/XX/2020 We received in the mail from Hiday & Ricke that they were garnishing my husband 's pay of 25 % per pay period which will put us on the streets. We called them and spoke with ( XXXX ). We  told her we would hire counsel to take care of this matter because the documents received were stamped by the court XX/XX/2020 and we just received them via USPS on XX/XX/XXXX. 
XX/XX/2020 Now, my husband 's pay has been deducted over {$300.00} per pay period that would mean we will lose XXXX of our vehicles and some bills that won't get paid. 

I do have documentation of the conversations and all of the documents received via USPS that the Florida Statute 222.11 Head of Household waiver was never included. Also, recorded  conversation from XX/XX/2020. 
I believe that this process was maliciously ignored and stepped around to collect a debt.
Consumer complaint received 2017-09-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Account Discovery Systems, LLC (UT)

On XXXX/XXXX/2017 XXXX XXXX with XXXX XXXX called over 5 relatives of mine in an attempt to contact me. 
He has shared personal information regarding my debt with my relatives and I 'm certain this violates fair debt collection practices. 
He has informed them I 'm " severely delinquent with XXXX XXXX '' and that I " need to contact him or he 's going to send me to civil court '' This matter needs to be addressed. I 'm not comfortable with my private information being shared with my family members.
Consumer complaint received 2021-04-07
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: EQUIFAX, INC. (TX)

XXXX XXXX I was notified that a collection had been placed on my file which already has a Fraud alert. Police report and Notarized affidavit on file. I immediately contacted XXXX  and filed a fraud dispute because of the information already present in their records. On XX/XX/2021 a Sunday. I received an automated message that my dispute had been validated by the company. I submitted a 2nd dispute and on Monday I contacted XXXX  for further information. I was given the run around. I was told that I didn't have the accurate information. No one wanted to tell me what I needed. 7 calls later and over 5 hours on the phone I still had no resolve ... I was told another police report and affidavit from the FTC was needed. I provided that on XX/XX/XXXX, and again on XX/XX/XXXX. Today, I spoke to someone and now I am being told that they want a Government issued ID along with my SS card. I have several issues with this. According to the dept. of justice I am not obligated to provide that information, In addition, Why would i provide that to the credit agency that will then share the information with the creditor that already stated " any information obtained with be used for the purpose of collecting a debt '' I do not owe a debt to XXXX XXXX XXXX. XXXX has not attempted to resolve this amicably and seems to be working on the behalf of the collection agency and not a a fair and just party in this situation, This account has been disputed multiple times and and they also alter the statement that I wish to have on my credit file. My statement should indicate that I have disputed as FRAUD and not that I disagree with their findings. If they truly were investigating they would know that this is not my account and I did not authorize anyone to use my information for gain and to destroy my credit.
Consumer complaint received 2020-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

My debit card was used to commit fraud I have given the bank evidence of it not being committed by me since I was in a completely different state from where the transactions were taken place was going on for around 2 weeks I have given them credit card statements of me using my credit card in another state since I didnt have my debit card and to them that is not enough Im an XXXX year old with a part time job I can not be in debt with a total of around XXXX XXXX in fraudulent charges still have not received accurate updates the claims department had been no help at all and have been ridiculously rude at times tell me that I committed the crime of Fraud and that, that is why I cant pay my rent or my bills