davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

*** THIS IS NOT A DUPLICATE. NEW INFORMATION INCLUDED. *** *** This is new information only available as of today about a growing concern about the inadequacy of Freedom Mortgage to address the transfer of a mortgage - apparently this is impacting other people too. Again, this is not a duplicate, there is new information updating information previously provided in XXXX. If a human is reviewing this, please do not flag this as a duplicate as it is not, there is new information here. If an algorithm is doing this with no human oversight, then CFPB needs to implement an appeals mechanism when the algorithm is wrong. Again, there is NEW information below current as of today the inadequacy of Freedom Mortgage to address the transfer of a mortgage that per documentation is impacting multiple people *** Early in XX/XX/2022, we received notification from XXXX XXXX XXXX XXXX that our mortgage was being transferred to Freedom Mortgage effective XXXX XX/XX/2022. We called in XXXX and Freedom Mortgage said they had no information in their system about the transfer and that we should call again on XXXX XXXX. We called again on XXXX XX/XX/2022 and Freedom Mortgage said they have no information as of yet about our new mortgage and that we should check again on XXXX XX/XX/2022. *** THIS IS NOT A DUPLICATE. NEW INFORMATION INCLUDED. *** This is highly disconcerting that they don't have information as we have always made timely mortgage payments and done so consistently for several years. Freedom Mortgage said that they would be providing a 30 day grace period on mortgage payments- this sounds contradictory to CFPB 's own guidance of a 60 day grace period when mortgages are transferred. Moreover Freedom Mortgage has not, as of yet, been able to provide even the most basic of welcome letters or information about our loan. By Freedom Mortgage 's own admission they have not officially uploaded the information yet to the loans being transferred to them- which is seriously distressing. *** THIS IS NOT A DUPLICATE. NEW INFORMATION INCLUDED. ***CFPB should investigate Freedom Mortgage and what is going on here - moreover CFPB should check with Freedom Mortgage 's claim of a 30 day grace period on mortgage payments, shouldn't it be 60 days when a mortgage is transferred? Moreover Freedom Mortgage should provide information, as soon as possible, on how to make the epayments. *** THIS IS NOT A DUPLICATE. NEW INFORMATION INCLUDED. ***There are already concerns online about other somewhat sketchy practices at Freedom Mortgage- it is very troubling about the company that they have an 82 % " XXXX '' ( the lowest rating ) satisfaction rating on XXXX - XXXX XXXX XXXXwww.freedommortgage.com They have a XXXX out of XXXX stars total - also raising some serious red flags. *** THIS IS NOT A DUPLICATE. NEW INFORMATION INCLUDED. ***
Consumer complaint received 2020-11-10
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DPEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2022-11-16
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have contacted Transunion for a year now with disputes - they have not resolved this they only send a generic message - FTCA guidelines etc - which is false and inaccurate. They have a company on my credit report XXXX XXXX whom I have called and verified they have a totally different XXXX XXXX with a social XXXX which is totally not my social nor information- this clearly shows fraud but yet they keep saying its mine. This is my fia attention before The Law office working in this files charges against them - When calling this company you can not get through it takes weeks - after getting through they before its my name and similar don but not my social or ID!!! They have failed to provide documents that confirm this is me, signed paperwork required by FTCA. I have nothing but false reporting in my report -
Consumer complaint received 2021-07-12
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. (WA)

I disputed an unfamiliar account that was reporting as inaccurate and incomplete with all three CRAs on XX/XX/2021 siding that the account was unfamiliar to me and ask them to investigate the account to verify that the account was indeed mine. That intern provided no resolution only a simple one line response from only Experian saying that the account was verified but no documentation or explanation of how it was verified, which I did request. 

I received no response from XXXX  or XXXX XXXX whatsoever. 

On XX/XX/2021 I filed a second dispute with all three CRAs And again informing them that there was an account that was reporting in accurate and complete. This time I submitted documentation explaining and highlighting all of the errors that I found on my most recent credit report regarding this account, which were several. Nearly every element was inconsistent across the three bureaus. The amount owed, date the account was opened, date the account was closed, last reporting date, last payment date, literally everything regarding that account was inconsistent as well as many things that were missing from the report making it clearly incomplete. Because of this I asked to have a thorough a complete investigation on the account and provide me with their findings, and ask them to include who they contacted, what method to use to verify this information, etc. I also notified them of their obligations under the FCRA, that everything contained in the report must be complete and accurate. 

In response, this is what I received from each bureau. 

From Experian I received what appears to be a standard form letter saying that they had already looked into the account ( from my first dispute ) and it came back as verified, although they did not provide any information or documentation on how that was determined, and informed me that they would not be closing the account. They also informed me that I would need to provide documentation as to why I am challenging the account, which I clearly did. Which leads me to believe that they did not do an investigation at all, But instead just used the information from the original dispute and deem that it was verified. Which does not constitute a reasonable investigation as required. 

From XXXX  I received no response to the first dispute, to the second dispute one of the accounts I was disputing was removed, the other, which was only reporting on XXXX, was not removed. I received only one line response in regards to the Account that was not deleted siding that it was verified with no explanation or documentation.

From XXXX XXXX I received nothing in response to my first or second dispute on the matter. All of these disputes were six certified mail so I know that they were received. They are now noncompliant of it the requirement to respond within 30 days not once but twice.
Consumer complaint received 2021-02-02
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. (MI)

I requested Mortgage Forbearance XXXX XXXX to provide time to adjust to changes with income. On XX/XX/XXXX, I requested the forbearance be removed. Somehow XXXX is stating I re-requested an active forbearance. This is inaccurate, XXXX XXXX advised I would need to make three payments to reinstate my loan prior to any modification. I began making payments in XX/XX/XXXX and through XX/XX/XXXX. In XXXX, I met the requirements for modification. XXXX dispatched a title company 30 days later on XXXX to sign paperwork. In XX/XX/XXXX I began calling XXXX XXXX, requesting an update after I noticed my XXXX payment was not applied to my mortgage and placed in a suspension account. I requested my credit report be updated. XXXX is reporting NR XXXX XXXX. I made payments in XX/XX/XXXX and XXXX. The reporting is making it appear I have not made any payments for 9 months ; furthermore l, have a hardship. My report also has a notation that I am making a partial payment agreement. I escalated to the XXXX XXXX Executive Team and have provided them 14 business days to correct the information. I would like the comments on my report updated to paying as agreed. I never paid partial payments. I deferred three payments to the end of my loan. In addition paid 8 additional payments since loan origination. Because I set up bi-weekly payments. I would also like the months I made payments to reflect those. 
It was my understanding the forbearance would not reflect poorly. If I new it would take 6 months to reinstate / modify my loan I would have repaid the suspended payments. This information was not discussed as we are all in uncharted times. I was working with my financial institution on a new loan and their underwriting flagged the non reporting mortgage payments.
Consumer complaint received 2019-08-12
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. (NC)

On XX/XX/XXXX, I sent an investigation request to Equifax. They were supposed to respond with the results within 30 days, but they have not.
Consumer complaint received 2017-12-19
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Constar Financial Services, LLC (NY)

In or about XXXX, XXXX XXXX forged her ex-husband 's name XXXX XXXX, to a student loan application for their daughter XXXX XXXX. 
The forgery was reported to the police and an Identification Theft Affidavit, police report, copies of identification were provided to the creditor. 
Collection efforts continue.
Consumer complaint received 2019-08-12
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. (FL)

As of XX/XX/2019 the loan balance on my XXXX   mortgage account is incorrect and not reflected correctly in any of the credit bureaus, XXXX, Transunion or XXXX.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

No permissible purpose was given. Pursuant to XXXX5 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine.18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).
Consumer complaint received 2021-07-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: EAST WEST BANK (CA)

From XXXX, I had transferred the money from XXXX to East-West bank in the USA, I found that I missed some money after each transfer, For example, in XX/XX/XXXXXXXX, I totally transferred the amount is XXXX $ in five transactions, finally, I only received XXXX , and then East-West bank still charged me another XXXX $ for wire transfer-in service fee. the final balance which I got was XXXX XXXX I totally missed XXXX $ just for that transfer. 

This happened more than once, Both the international transfer fee and service fee were charged in every transaction of wire-in during XXXX. I made a list of all the charged fees in the attached file. 

I called more than once the East-West Bank to explain, their explanation was the money was charged for international transfer by a third party, and even they didn't know the name of the agency or organization that had charged me.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CT)

I submitted an Identity Theft Report to the all 3 Credit Bureau on or around XX/XX/2019 and stated, "I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction(s) that I had made. I requested that they block all the accounts listed and information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. All accounts were removed except "US Bankruptcy Court Clerk of XXXX XXXX CT " in the amount of $XXXX. I filed a police report, filed a Federal Trade Commission Identify Theft Report - XXXX, and completed an identity Theft Victim’sComplaint and Affidavit. This account is not mine and I am requesting that it be removedfrom my credit report.
Consumer complaint received 2021-02-02
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: CORELOGIC INC (FL)

On XX/XX/21 I got an alert on my credit report for a company called CREDCO did an inquiry on my credit report. I have never heard of this company nor did I authorize. I called them and representative XXXX said she didnt see anything in her system under my name and social security number as to why it would be on there. This company is fraudulently gathering credit inquiries.
Consumer complaint received 2019-08-12
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. (NC)

In XXXX, XXXX and XXXX of 2019 I paid {$580.00} on my account with XXXX XXXX XXXX. The total amount paid was to settle the account with XXXX. I provided supporting evidence of the payments including a copy of the settlement agreement, my bank statement showing the payments, and disputed that the balance was incorrect, the payment history is showing these payments as not made, and it doesnt show the account was even transferred to the collections company. Yet after multiple disputes with proof all three credit bureaus certify they investigated it and that it is accurate!
Consumer complaint received 2022-04-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

On XX/XX/2022 I received a tax delinquency bill, so I called the tax agency and they informed me that my XXXX county tax  hasnt been paid for a year. So after six phone calls and over a month the tax still isnt PAID! So I have til Friday and Im going to have to pay for something I already paid for. This is absolutely ridiculous, this company is stealing my money and has no accountability and is ripping me off. All I can do is sit back and watch cause I cant control my escrow account they do! I have nowhere to turn and its costing me more money and they dont seem to care! How are mortgage companies allowed to do business like this?
Consumer complaint received 2021-07-12
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: ALLY FINANCIAL INC. (AL)

Re : Unauthorized Credit Inquiry To Whom It May Concern, I received a copy of my credit report and discovered a hard inquiry from your company. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. Please remove this hard inquiry from my credit file as soon as possible. 

Please forward proof to me at your earliest convenience or send a request to the credit bureaus to have them remove this error. It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score, I will move forward with bringing this information forth to a judge in my area if this information is not corrected.
Consumer complaint received 2019-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (TN)

Received an electronic notification on XX/XX/XXXX from Loan Servicing company PrimeLending, that our XXXX statement was not satisfied for the amount of {$2100.00} due on XX/XX/XXXX. This is incorrect. We paid XX/XX/XXXX mortgage statement in two separate installments, both prior to deadline of XX/XX/XXXX before a late fee will access. 1st payment of {$500.00} received by PrimeLending on XX/XX/XXXX. Second payment of {$1600.00} received by PrimeLending on XX/XX/XXXX. 

I have placed calls on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX in order to get the error resolved, to no avail. The first representative indicated dual payments are okay to process as long as they are received closer together, but he would solve error. Second representative indicates dual payments would not be accepted, but she would direct me to customer service who could handle the error & get it fixed. Third representative placed me on hold for 20 minutes before the phone disconnected & no one has called me back since.