davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (CA)

Hi, During the CV-19, I was temporarily applied for forbearance with the mortgage company MyloanCare from XXXX to XXXX. My monthly mortgage is {$1400.00} x 3 = {$4400.00} deferral to the end of my loan. The company mess-up was so bad that they show on my statement that the total amount is {$16000.00}. I called every week since XXXX. They promised to review my accounts. Until today, they still not corrected even they admitted on the call with me that is a mistake. It is so stressful and I am about to XXXX. I need to file this complaint as I believe others may run into the same situation. Please help to review the company accounts as I think they are not honest to the clients. 

thank you so much and looking to hear from you, Myloan XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (NM)

There has been a violation of my privacy as well as my consent to what is being shown on my credit report under the Consumer Law, 15 USC 6802, which states : Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 

My information that I consider to be very private and confidential has been shared without me being aware, and I was given zero notices to have any choice to opt-out of anything.
Consumer complaint received 2021-07-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

I change homeowners insurance and I paid them in full. I call Wells Fargo and ask them to take this portion of my mortgage out, since it was paid in full. I wanted them to recalculate my mortgage payment. They said no because I had a thirty day late on my credit. Heres the problem when COVID hit they offered a three month forbearance. I did the three months and when it was over I resumed my payments. They said because of that I was thirty days late.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Recently I did an investigation on my report, due to your erroneous reporting to the Credit Bureaus its highly negative impact on my personal credit report. Please be advised that this is not refusal to pay, but a notice sent pursuant to the Fair Credit Debt Collection Practices Act : 15USC 1638g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for VERIFICATION or proof of my mailing address but a request for VALIDATION .I would like for my report to be accurate.
Consumer complaint received 2018-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2018, I sent certified mail to the creditor per the information reported on my credit report ; however that certified mail was returned as not deliverable. So once I received this mail back ; I sent a copy of that returned mail along with a letter explaining this to Transunion on XX/XX/2018 due to inaccurate information being reported. I received their response that they " verified '' the information as accurate without changes.
Consumer complaint received 2020-11-03
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. (VA)

Experian explain to me why you are using stall tactics instead of abiding by the guidelines set forth by the FCRA? 

You know XXXX well its me, XXXX XXXX disputing the errors on my credit report and not a credit repair agency. How dare you call the CFPB a credit repair agency!? Thats audacious! 

Ive already sent in a copy of my ID and proof of address therefore I will NOT be sending them again, so stop stalling. Furthermore this isnt a request for a new investigation, Im asking for proof of my prior investigation WHICH proof of ID isnt required as it was submitted with the initial dispute. 

So again, why are you continuing to report accounts that are in non-compliance with the FCRA?!?
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARS Acquisition, LLC (AL)

I have had to make disputes twice already against car financial services for incorrect reports they have made to transunion. Which they finally corrected after telling me they could not remove the incorrect info. Then XX/XX/2022 they once again have reported false information to transunion stating that I am 30 days delinquent in the amount of XXXX $ I made that payment via automated system through my checking account on or about XX/XX/2022. As of XX/XX/XXXX car financial does not even hold the loan for the account. I have repeatedly had problems and discrepancies about monies owed to them.In one day their mishandling my information caused my credit score through transunion to drop XXXX points
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NC)

XX/XX/2022 I, XXXX XXXX, consumer, received a debt collection letter, without my consent, from a Credit Control Services , Inc. dba Credit Collection Services. I do not know them nor owe whomever they're claiming I owe an alleged debt. The fact Credit Control Services , Inc. dba Credit Collection Services got my personal private information is a violation of my right to privacy according to 15 U.S. Code 1692k civil liability. This agency is now liable for damages against me, a consumer.
Consumer complaint received 2021-07-20
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: CURO Intermediate Holdings (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2020-11-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In mid XXXX, I filed a dispute with Transunion for a negative item on my credit report. The negative item was from a collection company called XXXX. I mailed in documents from the original creditor showing that the debt did not belong to me. It shows someone with the same name, but different middle initial and a different mailing/residence address. 

I have previously disputed this item with Transunion 6 months ago and it took them well over 45 days, which by law they would automatically have to delete the negative item, which they did not. On top of that, I asked them to send me documentation on how they verified the item showing it belongs to me and they stated they do not have any evidence that the debt belongs to me, but that the collection agency stated it did, so they take their word for it. I find this very disturbing as anyone can state that you or I owe a debt without any proof and Transunion will just take their word for it and report negative information on our credit reports.
Consumer complaint received 2019-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (UT)

There is an unlawful judgment XXXX XXXX. XXXX, that was entered in against me which I had know knowledge of until now. I have tried to get an explanation but recently XXXX XXXX XXXX sent me papers vis the CFPB and I and my ex husband have reviewed the documents. This credit card and transactions is an result of identity theft and fraud. There was a police report filed in XXXX Police department ( XXXX ) XXXX back in the year of XXXX to XXXX as repeated attempts of our identity was used by several individuals to obtain and used credit cards without our knowledge and permission. This is debt has to be vacated to the courts. Otherwise I will request a vacate of judgment myself with my ex husband as there was much that happened with our information and the police have documented information.
Consumer complaint received 2017-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (RI)

This is a credit account for 24 months with out interest used by our XXXX t0 finance XXXX  work. 
My wife started early this year, I started in XX/XX/XXXX. 
The attached PDF shows the typical XXXX XXXX XXXX XXXX XXXX billing stub. 
The stub clearly shows that payment must reach XXXX by XXXX XXXXET of the due date. 
I do all my billing thru my bank, and I have setup my account with XXXX with Autopay, for 24 months, so on the 19th payment will reach XXXX  ( as I have done with all my other billing ). So, XX/XX/XXXX was my first payment. 
On my XX/XX/XXXX statement I notice a {$39.00} late fee. 
I called and told the customer seervice rep that according to my bank ( XXXX ) payment was made and money withdraw from my account on XX/XX/XXXX. 
He insisted that no payment was made, but after a while trying convince the CSR he charged gave me a {$15.00} dollars credit. 
On XX/XX/XXXX bill again I found a late fee. 
I called again XXXX  CS but, knowing they would not be able to help, I asked for a supervisor, I was on hold for over 20 minutes, finally I hanged up. 
Made my payment in XX/XX/XXXX, and on XX/XX/XXXX I received a call from XXXX. 
Did not answer, but called back within 5 minutes. 
The CSR told me that I was overdue, I told her that - again - according to XXXX  payment was made and money withdrawn on XX/XX/XXXX, she insisted that it was not. 
I have attached also mu wifes XXXX stub and activity as a sample to show that both accounts have the same process. Thankfully, her account is OK. 
If I incurred an error setting up the account, I would like to know how XXXX was able to make payments and where this money is going, because the payment name and address are correct.
Consumer complaint received 2018-09-26
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: Financial Recovery Services, Inc. (GA)

On XX/XX/XXXX I sent XXXX XXXXXXXX XXXX/ XXXX  an identity theft letter from Federal Trade Commission stating I was a victim of identity theft and for them to take action in removing the charges and negative work on my credit file.The company sent me a letter back stating they denial my claim because payments were made on this account from the time the account was opened on XX/XX/XXXX up until XX/XX/XXXX, so they claim I am liable for the remaining charge of {$480.00}. Also, the company move my account to Financial Recovery Inc., who is now serving this account. I did not make those payments and further investigation need to be made with this claim. During the time this account was open and the payments were being made, I was a XXXX XXXX XXXX in XXXX, Alabama and I did not have a job or no source of income to make those payments.
Consumer complaint received 2021-07-20
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. (TN)

In XX/XX/XXXX I was late on one payment. Called my XXXX XXXX to get options. They said I have none. Called again they told me I could do a trial loan modification. Started the process. Was told I would need to pay 3 months and it wouldnt affect my credit score. Also that I could choose to not do it at the end. After 3 months the company went silent did not respond to my calls or email or inquires for help about next steps. Then was told I failed to make 4th payment and have to start over. Called over 5 times looking for call back from manager no responses. Covid hit was told I had to go in forbearance and not do another mitigation because they werent doing them at that time. Was told it would not affect my credit. Called for several months asking when I could comeplete the modification. Finally was able to complete the modification in XXXX. Completed the 4 months. Company told me that my credit report would be changed to reflect payments. I have been making payments continuously only during the 6 month period of forbearance. Was told I had to do forbearance or pay an amount that equates to like XXXX plus interest and not the original debt of the past due payments. I have attempted to email and all this company to fix the errors of the months they are reporting I did not make a payment when Im fact I was making payments under the trial modifications and in a period of forbearance. I was given misleading damaging information that almost out in to bankruptcy and foreclosure from one late payment. I was told during that one month of a late payment my only option was a loan modification which is untrue. Ive asked them to pull the calls several times. I would have not entered into any agreements without the false and misleading information from their staff. Now I am showing that I have not maid a payment since XXXX when in fact I have been making payments. They refuse to investigate or fix their mistakes. They have been made aware of my complaint for 2 years now and have failed to act or remedy the situation
Consumer complaint received 2018-09-26
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: CITIBANK, N.A. (TX)

Citi Bank incorrectly reported a 120 day late payment on my credit report. I disputed the error. Citi Bank sent me a letter dated XX/XX/2018 acknowledging it was an error and requested the consumer reporting agencies to delete the delinquency from my credit report. 

I've requested three times, in writing and with letters sent via certified mail, for this error to be removed. However, Citi continues to report the 120 day late payment, which is in violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of Identity Theft and Inaccurate information reported by TransUnion. After reviewing my credit reports with TransUnion. I noticed a Fraudulent account that are being reported twice by the same data furnisher XXXX XXXX and XXXX XXXX different accounts XXXX and Account t XXXX for the amount of {$25000.00}. This is inaccurate information due to duplicate reporting. This in issue of material fact. There is no doubt that evidence is sufficient and is a genuine is of material fact must be resolved against TransUnion. Lawrence v. Kenosha County, 391 F.3d837, 481 ( 7th Cir.2004 ). Please remove these items. Congress enacted the FCRA to protect consumer ensuring fair and accurate credit Reporting 15 U.S.C 168 ( a ) ( 1 ). Entities that report information about consumers to credit reporting agencies are called Data furnishers from reporting inaccurate information to CRAs 15 U.S.C 1681s-2 ( a ) -1681s-2 ( Westra v. Credit Contral of Pinellas, 409 F.3d 825.837 ( 7th Cir.2005 )
Consumer complaint received 2021-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: C B Merchant Services (CA)

CB Merchant services called me on XX/XX/XXXX did not leave a message after seeing my caller ID I called the number back> I was advised by the customer service rep that XXXX XXXX XXXX XXXX office had referred the bill to their office back in XXXX but due to the pandemic they were not in the office and now they have reported the bill to credit reports as a collection. I advised the rep that was incorrect that I have XXXX  insurance and that all my co-payments were paid. At that time the rep indicated that they will reach out to the XXXX XXXX office who since retired and get back to me until then the collection would remain on my credit report. 

This bill was paid in full and I want CB Merchant to remove
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

There is an issue with the reporting agencies using their own methods of scoring a FICO score. I read on the FICO website that the agencies are allowed to use their own method to score a FICO score, WHY? IF businesses are using a FICO score in which the standard of that score keeps changing, then how is that Fair Credit Reporting? I recently needed a FICO score for a home mortgage application and the FICO from all three agencies were vastly different with the bottom score being 80 points lower from the top score. Needless to say I didn't get the loan. These agencies need to be held to a single standard if businesses are going to use them in their credit reports and analysis of peoples credit applications.
Consumer complaint received 2018-06-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

On XX/XX/2018 at approximately XXXX I was on the phone with a representative from Freedom Mortgage. The individual asked for my information and I provided it without hesitation. The next thing I tried to do is make a payment for my V.A. home loan, well the representative refused to take my payment. I kindly asked her why, she said we can't take your payment because it's now three behind. My response to her was I always make at least one payment to bring it back to two until I can catch it up. She than became rude and said again in an off tone manner " We can't take your payment ''. I let her know I am on a fixed income because I'm a XXXX veteran. Than I asked to be transferred to a floor manager which I than talked too. He wouldn't work with me either, he kept on insisting that they couldn't do nothing for me at that given time. Both the phone representative and the manager used bullying tactics on me to force me to make three payments totaling XXXX. I expressed too them I couldn't make this payment, so he kept on using bullying tactics by saying you signed the contract and it's your obligation to pay the loan. I than let him know that the loan was included into my chapter XXXX which was closed out in XX/XX/XXXX of this year. I suffer from XXXX and XXXX   which this situation almost put me into an attack. I called back thirty minutes later and another young lady worked with me and accepted my payment. I am filing this complaint because I was bullied and harassed by the members of FREEDOM MORTGAGE! I would like for the actions of these members be brought to light. I've been receiving nothing but harassment and bullying tactics every-time I try to make at least one payment. My rights as a customer were violated under certain protective laws and I hope this issue never happens again!
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.