davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: FEARON FINANCIAL LLC (VA)

I want to report to the CFPB, and warn other potential customers, about the worst possible experience with " XXXX. '' Based on my experience, I believe this company is a scam. I have secured at least a dozen mortgages/refinances in my lifetime, and this was the worst experience ever. Do not use this company under any circumstances. I applied for what should have been an easy refinance in XXXX 2016. As of the end of XXXX, XXXX Mortgages had still not gone to closing on the loan. This was a loan to value ratio of only 45 % as the property appraised for more than twice the amount I was borrowing. I was exceptionally well qualified. I provided over XXXX pages of documents, and replied to every request for information within a matter of a few hours. There was absolutely NO delay on my part. After collecting my {$500.00} deposit, XXXX would disappear for days or weeks at a time, or would keep digging deeper into the documents to ask yet another question. There was no end to the delays. The loan supervisor admitted that this should be an easy loan, that I was exceptionally well qualified. I reached a point where I was calling everyday. This became my second job! After three months, and no closing in sight, I told XXXX that I just wanted my {$500.00} deposit back and that I would get a mortgage elsewhere ( which I easily have done at a local bank ). XXXX approved the {$500.00} refund and even sent me a " receipt '' for the {$500.00} credit to my credit card. Guess what? I still have n't received the credit! Another fraud. This company should be shut down.
Consumer complaint received 2015-11-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (MO)

My doctor ordered me to take several medical tests. He did not disclose that there would be a copayment cost with each of them. He is obligated to disclose this to me up front as I am a XXXX patient. I wrote a letter to the medical company saying I should not have to pay the copayment charges as I am a XXXX patient and am supposed to be told up front if there would be any expense to me. The medical company did not reply to my letter but shortly thereafter I received a letter from a collection agency that I must pay. The medical company saying I owe {$100.00} is XXXX MO XXXX. The account with them is " Re : XXXX XXXX XXXX Acct # XXXX {$100.00} ''. The collection agency they used is : Transworld Systems Inc. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MI XXXX. Their reference is : XXXX XXXX XXXX XXXX, Total Balance {$100.00}
Consumer complaint received 2017-03-01
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

I applied the XXXX credit card on XX/XX/XXXX and the the policy described that I could earn XXXX Membership Rewards points after making {$3000.00} in purchase in my first 3 months. I had met the requirements ( spending at least {$4000.00} except the annual fee ) and obtained the XXXX Membership Rewards points one month ago, however, XXXX closed my XXXX credit card account on XXXX which I want to keep open and removed my XXXX Membership Rewards points on XX/XX/XXXX.
Consumer complaint received 2017-10-14
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. (WA)

XXXX XXXX XXXX XXXX account still reporting incorrect shows last payment XXXX XXXX they also received and processed through my account XXXX XXXX XXXX {$27.00} in XXXX XXXX approximately the XXXX of the month they also accepted my payment of {$27.00} in XXXX XXXX processed through my account XXXX XXXX XXXX I then closed my account with XXXX XXXX XXXX XXXX account. I then on XXXX XXXX XXXX through their automated system paid my remaining balance to zero with the payment of {$21.00} which was my final remaining balance. the confirmation number for the final payment bringing me to XXXX balance is XXXX on date XXXX XXXX XXXX payment has cleared my bank I received a letter today from XXXX XXXX XXXX XXXX card dated XXXX XXXX accepting the closure of my account by me and telling me I had a remaining balance of {$20.00} I paid that as I said XXXX XXXX XXXX I gave you my confirmation number XXXX this needs to be reported correctly account balance is XXXX and account is closed by me
Consumer complaint received 2019-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Deposit was made XX/XX/XXXX for {$450.00}, and second deposit on XX/XX/XXXX for {$1500.00}. My account has been blocked since XX/XX/XXXX, and I am unable to access my account. When I call the bank, they refuse to give me any information as to why my account has been blocked and frozen.
Consumer complaint received 2015-05-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CREDIGY USA CORP. (CA)

A company I worked for had a business credit card account with XXXX Bank XXXX for 12 years. After 12 years of never reporting this information on my credit report, XXXX reported the account as a charge-off on my personal credit report in XX/XX/2015 without advising me first. I had never even opened the account. The Company paid and closed the account in full and XXXX and their collection agency indicated the information would be removed from my report or showed as Paid In Full with no derogatory information. The account now shows as paid but is reporting as derogatory still despite several calls and assurances from them this would be taken care of. I have exemplary credit besides this and it is impacting my credit. XXXX claims they have reported the information to XXXX correctly yet XXXX has not updated and will not provide any response.
Consumer complaint received 2017-07-23
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)

It said that this account was open 2015 and i owe XXXX that is incorrect ive went to the company and they said theres know such thing. I DO N'T owe them nothing they owe me XXXX. I WANT this off my report ... Its false information. I 'm attaching the paper that was given to me by XXXX XXXX XXXX XXXX showing i dont owe them anything they owe me, the date is on there when i went in person.
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Credit reporting agencies has n't delete collections, Unauthorize Hard inquiries and negative wordings on credit report. My credit scores are suffering because of the neglects and Retaliation of XXXX, XXXX and Experian. I emailing a recent credit report for with new case file number to Federal Government to review as evidence. XXXX XXXX. XXXX XXXX and Experian XXXX I am XXXX XXXX and Retired.
Consumer complaint received 2017-10-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

the orginal complaint was not investigated correctly. Please find out who called me and why they said they were a mediatator prior to getting lawsuit papers the next few days and to be home to receive them. you only contacted XXXX which sold the complaint. you had the number i called with number to find out about the account and you did not follow up. XXXX said they sold to// : :If you have any additional questions regarding your account, please contact PORTFOLIO RECOVERY at XXXX. 
Please investigate this further as not a collectable debt and used forbidden tactics to try and get me to pay or reage a debt. Since then I get 2-3 calls a day from these people selling my phone number. Do not close an account before you speak and investigate. 
thanks XXXX XXXX XXXX '' '' '' : : : Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Debt collection Issue : Took or threatened to take negative or legal action
Consumer complaint received 2017-07-23
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. (CA)

There are 3 tax liens showing on my Equifax Credit Report. This should been deleted due to the enhanced standards now required to show these items. These liens do not have my DOB or correct SS number and therefore should be deleted. I disputed these 3 items via Equifax website on XX/XX/XXXX and Equifax sent me an email notification on XX/XX/XXXX that they have confirmed these items and would they would not be deleted. This is causing me financial harm as I 'm in the process of refinancing my mortgage and the erroneous tax liens are negatively impacting my FICO score which in turn puts me in a higher interest rate program.
Consumer complaint received 2019-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

After many attempts over a three year period to get Shellpoint mortgage to either accept a short sale or foreclose, I was finally able to get them to foreclose. The foreclosure sale was held onXX/XX/2018 in XXXX, New York. XXXX XXXX Trustee for XXXX XXXX XXXX had the highest bid and purchased the property for {$80000.00}. 

The principal balance owed on the Mortgage was {$69000.00}. 

Shellpoint Mortgage did not ask for any of the servicing fees above the principal balance to be paid. New York State gives them 180 days to begin collection for these fees. Shellpoint has marked the mortgage as repaid on the credit reporting system with a XXXX balance owed. 

I am attaching a copy of my last Mortgage statement that shows principal balance and fees. 

I am attaching a copy of the Referee 's Deed recorded that shows the purchase of the property at the foreclosure sale in the amount of {$80000.00}.

I received a 1099-C for 2018 that states the amount of debt discharged is {$60000.00} and Fair Market Value of the property as {$20000.00}. The fair market value of the property should reflect the amount the property transferred in the amount of {$80000.00}. 

I am attaching a copy of the1099-c received.

I have repeatedly tried to contact someone at Shellpoint for a corrected 1099-C and they do not return my calls, email or mail. I am at a loss to get this corrected. Additionally they have yet to send me a final accounting of the foreclosure action. 

I would very much like to get the 1099-c corrected and the final statement for the foreclosure action.
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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
Consumer complaint received 2021-08-11
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. (PA)

Whom this may concern I have been writing, calling and crying about these so called late payments! I keep getting letters saying that its not my sending these request. I have sent my passport. my id, XXXX bill and my ssn card at this point someone can take my identity. I have asked all of the bureau 's and the department of education to provide proof of me ever being late. Please remove all late payments and change the payment status to current because of the Cares Act for my prior request has falling on death ear and this is a violation that no one seems to care about but me ...
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately, XXXX has already deleted these accounts and inquires off my report due to items being incorrect from the date breach I am asking TransUnion and XXXX to do the same as well. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these negative accounts and negative inquires on my credit reports : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX The Following Negative Inquires : XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I do not have any open accounts with any of the following companies above or and on the dates listed above as well. 
I am attaching the proof of accounts being deleted from other credit reports, proof of data being breached through black web and data breach from XXXX. All Credit Reports by Law List the Same Accounts for All Reports to Accurate and If and When Something Is Proven to Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do the Same.
Consumer complaint received 2017-02-18
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Hosto & Buchan, PLLC (TN)

XXXX bought my XXXX bad debt credit card of {$10000.00} from XXXX in XXXX of XXXX. I received a judgment against me for XXXX which I have been paying monthly notes of {$120.00} every month through XXXX. 

I paid total of {$8500.00} as of XXXX/XXXX/XXXX. XXXX added {$6300.00} interest to my balance of {$2900.00} on XXXX/XXXX/XXXX. I contacted an associate of XXXX XXXX XXXX about this interest and she stated if I do n't settle to pay XXXX % of this debt they will garnished my wages.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

Since XX/XX/XXXX. I have sent almost 7 Complaints ( disputes ) as they identify them with calls from insurance companies and emails to fix the dispute but promises without action. 
My name and my nephew have the same first and last name but different Middle names, Dates of birth, SS #, Driver 's licenses, etc... 
my nephew had 2 car accidents. XXXX in XXXX and XXXX in XXXX. 
They have added those 2 claims ( accident ) to my personal report. 
I have stated that the information is incorrect information on my report. they claim it on the insurance companies who reported the claims. I followed up with the insurance companies who sent them email after email and explained in detail the confusion between the names but without any action from the credit report company. 
The main problem is that they don't respect the time. They make you wait to answer the dispute for almost 35 days. That is in total 8 months now without any results. 
I am a XXXX person and really don't have the time to wait for half an hour every time you call them for a security check with operators from foreign countries and don't know what are they doing??? it is really petty to see such a company handle credit reports for millions of people with such responses ....
Consumer complaint received 2016-06-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (GA)

The collector requested money not owed and threatened to report the false debt to the credit bureaus. There is no debt! Medical bills were filed with XXXX and my XXXX XXXX and payment was rendered. Furthermore, I received nothing regarding the bills from the hospital that turned me over to the collection company. To resolve the issue, I had to spend time to find my XXXX and then fax the information to the debt collector. The girl I spoke with told me to find the information to prove to her there was no debt She stated that she could file an insurance claim if the claim had not been filed and she could receive the payment, yet she could not check with the insurance company herself to see that there was a claim. I do n't understand how she can get money, but ca n't get information from my insurance company! This is wrong!!!
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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.
Consumer complaint received 2020-06-20
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. (AZ)

I received a notification XX/XX/XXXX from a financial services company ( XXXX ) that my credit score was reduced 10 points because : I applied for a reduction ( refinancing ) in my VA mortgage interest rate in XXXX, 2020 which was granted and greatly improved my financial condition. Since a credit report was not required for a VA refinancing, and my 10 point reduction took place two months after the refinancing was complete, I was told that the reason for the reduction was because I added a new account to my report. If anything, my credit report should have improved.
Consumer complaint received 2017-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We had a mortgage with Countrywide. It was later taken over by Bank of America. During the mortgage meltdown we started a home modification with B of A. They set up the payment schedule and contract which we agreed to. We thought that what we had entered into was the actual modification. We were later told that it was only the pre- modification and that if we made our payments on time then they would proceed with the Home Modification. They tried, with every trick in their book, to make us fail during this period. When we did n't fail they had no choice but to put us into a regular Home Modification Program. Here 's where the problem lays. Between the pretrial and the actual modification B of A tried to accelerate a foreclosure on our property. We started getting foreclose notices stating that XXXX XXXX was selling our property. We had real estate people knocking on our door. We had to fight with B of A to get this situation cleared up. The OCC went after them. We received a small settlement for our troubles. That brings us to the problem that is still existing. We went to refinance out house and this is still showing up in our credit report. I would like them to resolve this situation once and for all.
Consumer complaint received 2022-08-10
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. (CA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXX, XXXX  XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Employer : XXXX XXXX XXXX Inquiries : XXXX  XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecon XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Inquiries : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (AZ)

For the last 5 months I have been harassed by a creditor for a cell phone debt that is not even mine.They call at  XXXX    XXXX    at night,  they call from all different phone numbers including  XXXX  's and my local area code, and now even private.It is  XXXX   XXXX  right now and received 39 calls from  them.When I d o answer they do not even speak and they just sit there as I say he llo 8 times.Yesterday ca lls from this creditor started at  XXXX   XXXX    XXXX    in the morning! It i s affecting my sleep and job performance since at times I have   XXXX .This  company that goes b y Diversified Consultants ar e straight out harassing me and im fed up.
Consumer complaint received 2016-01-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TN)

constant throughout the day every day the phone rings from XXXX to XXXX, no messages left, even if we answer the phone no one is there, they are a debt collector, we owe no one any overdue debt. The phone ringing for no reason is annoying daily and want it to stop. The number calling is- XXXX ....