davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-24
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. (VA)

Pursant to 18 USC 8, I owe no debt, This company XXXX XXXX XXXX XXXX XXXX  is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Overland Bond & Investment Corporation (IL)

BEWARE!!! I purchased a car from overland bond investment Corp ( XXXX IL ) in XXXX to start building my credit. But it has done everything but build my credit. Initially when I got the car they was reporting to 2 major credit bureaus now they only report to XXXX  that was the beginning of the nightmare. Fast fwd to XXXX I found that the company had NOT reported my ON TIME payments to XXXX. When I reached out to them they got very upset and didnt take my concerns seriously. I disputed the inaccurate information with XXXX  it was updated after 6 months of going back and forth having to prove my self. Fast fwd to Mid XXXX the pandemic hit I was effected by it and my job had dropped me down to part time/ the company humiliated me by making me submit that information just to reduce my car payment from {$230.00} bi-Wkly to {$130.00} a few months ago I was completely let go and couldnt go back to work do to personal injuries on top of Covid I still remained paying the agreement payment plan we made which was XXXX but when I noticed that hadnt been reporting to the credit bureau again for the SECOND time I reached out to the company they got very upset again they ignored numerous emails/calls. I have all my paper trial. When I disputed it with XXXX and the XXXX they got furious and updated my credit report saying Im delinquent which wasnt the agreement they was supposedly helping customers effected by Covid which I still currently am. Not only is it cruel to do this to a customer whos trying to stay honest I was jus trying to get my credit report updated because I take my credit serious I pay my bills on time. Its funny the company responded the same day when I reached out to the XXXX  but never responded to personal emails or phone calls? And now all of a sudden because Im reporting your negligence they want to say Im behind on my note and its now effecting my credit score and worthiness which is negatively effecting my family I have XXXX small children and trying to make a living. I would like them to completely remove the account from my credit report. If I was behind on payment what company lets you owe over XXXX in back pay!? Why wasnt the alleged past due balance reported last year? Its clear your company is making false allegations because a customer does their research and found out youve been taking payments on a car thats wrote off and not reporting to the credit agency accurately! I still havent received a phone call from them! Horrible customer service. Zero benefits and on top of it they charged 3x the amount they should be allowed to! Their loan sharks taking advantage of tax paying citizens! I wouldnt recommend this car if you was XXXX standing in a blizzard
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Adjustment Service, Inc. (IL)

I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.
Consumer complaint received 2021-06-24
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. (OH)

Please see the attached FTC Report that includes XXXX XXXX. This is in response to a previous CFPB complaint. Please remove the XXXX Account. It has already been removed from XXXX.
Consumer complaint received 2019-03-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Miller and Steeno, P.C. (MO)

MILLER & STEENO XXXX, XXXX XXXX XXXX, Attorney for Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX This firm put a garnishment on my checking account with XXXX XXXX XXXX on XX/XX/2019.
Consumer complaint received 2019-03-19
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: AmeriCash Holding LLC (IL)

When recently applying to refinance my car, a lender pulled a report from both XXXX and XXXX. XXXX reported a judgement on my consumer file in error. Upon investigation, I discovered 2 separate factors warranting the immediate removal of this account from my report : ( 1 ) the account information belongs to a consumer with a different last name & different social security number than mine ; and ( 2 ) the judgement was for collection of a loan that originated on XX/XX/2010. This information was supplied to XXXX, and they refuse to remove this information from my credit report.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Im a victim of identity theft. This item needs to be removed immediately. I never signed anything with this company. This collection account from XXXX XXXX XXXX XXXXXXXX needs to be removed.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Paradigm Assets, LLC (NY)

JHPDE Financial1 ; LLC is reporting debt on my credit report that they do not own. Original creditor informed me that this company DOES NOT own this debt. Its was purchased by another company, and that company is not pursing collections because its past the statute of limitations. I have notified this company several times. 

They are submitting old documents to the credit bureaus as accurate. Its is not. CFPB has a copy of this letter from the original creditor to prove who owns the debt. It is not JHPDE Financial. Please remove the fraud from my account.
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PORTIFOLIO MORTGAGE (FL)

When COVID hit and mortgage companies were offering relief options I inquired with my lender, American Portfolio Mtg, however all they were offering was a few months of a break with a balloon payment at the end. This wouldn't do me, nor anyone experiencing a hardship any good. If I wasn't able to make a XXXX payment in a month what makes them think I'll have XXXX dollars 4 months from now? So I said " No thanks '' and it didn't make sense for me. 

Fast forward to last week when I'm applying for a new loan on an investment property and the lender tells me they can't give me a loan because my current loan is in forbearance. I was shocked and furious and called AMP. I was told that my loan had indeed been put in forbearance and that to come out of forbearance it would be around XXXX. That money wasn't an issue and I immediately wired them to bring my loan current through XXXX. The problem is that they put my loan in forbearance and now it shows that I wasn't able to make my payments. They advised me that they just turned off my ACH on my bank payments and that they get 10 calls a day from people in similar situations that were put into this program without their consent. 

Now I am unable to get a loan until AMP produces a letter stating that I did not agree to enter forbearance to resolve my issue with my current lender. Is this something that I can sue for?
Consumer complaint received 2024-02-27
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. (CA)

I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2019-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

My business was recently lost in a major flooding event in XXXX County,  CA on XX/XX/XXXX. It was declared a state of emergency by Governor XXXX, and is being assessed as a natural disaster by FEMA. Since it has not yet been assessed as so and might not considering the rural nature, Citibank Visa XXXX Card will not recognize what I am going through as such. That being said, I have been reaching out to them since XX/XX/XXXX to try and get a late charge reversed but since I had one reversed back in XX/XX/XXXX and their " company policy '' won't allow that, they will not help me. I've escalated the call and asked to speak with a supervisor who called me back 2 days later and I was again unsatisfied by their unfair treatment of my situation, as I explained I have no income and would like to work out a payment program, but feel it would only be fair to remove the late fee. Once again, I was escalated to their supervisor who was supposed to call me within 2 more days and never received a call. So, I tried calling from the bottom of the totem pole again today XX/XX/XXXX as I am doing my best to resolve this situation and another late fee has accrued since they've not been responsive. Much to my disappointment I waited on hold for nearly 20 minutes before they told me nobody was available and someone would call me back in 2 days. I am not sure what else to do. I've explained my situation ... I have NO income and wish to make some kind of arrangement with reasonable monthly payments, but they aren't willing to work with me and keep dragging it out so that I have even more late fees that they refuse to reverse. I am feeling very abused and I'm already in trauma after losing my small business just 3 weeks ago and doing my best to take care of all loans, creditors and vendor relations. I could really use some assistance with this company please. I've been able to make arrangements with other entities, but they're being very difficult and uncooperative iwht my efforts to find a fair resolution.
Consumer complaint received 2019-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

XXXX XXXX, has done everything he possibly could to save his home. He even tried to pay the reinstatement amount with the check and Nation Star would not accept the amount of money that be took from his 401K to pay the debt to bring the loan current. 
NationStar had one amount and their attorney had another excessive amount for their fees. When XXXX XXXX called Nationstar they were not aware that the attorney refused the reinstatement bank check.While Nationstar/Mr. Cooper and their attorney not working together a sale date was set and XXXX XXXX had to file a Chapter XXXX bankruptcy to stop the sale. 

XXXX XXXX has tried so many times to save his home, Nationstar /Mr. Cooper told him they did not need any proof of income from him - but the immediately refuse to help him or deny him from any workout on his loan. They even denied the payoff that they created and sent him. 

The attorney had one payoff amount and the bank had another and the bank was looking for the payoff and asked why it was not submitted? According to the bank it was denied by their attorney without their knowledge. 

While trying to get some help the home could go into a foreclosure auction date again even though he made a payment. 

Nationstar /Mr. Cooper will not help.. 
Please help - Thank you
Consumer complaint received 2019-03-19
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hillcrest Davidson & Associates (TX)

On XX/XX/XXXX at XXXX, I received a missed call from number XXXX. I returned the call and someone by the name of XXXX XXXX answered. She advised she was looking for me. She stated my DOB without disclosing what the nature of the call was for. I called back again and spoke with XXXX XXXX and she asked if I knew the person they were calling for. I advised yes but I never confirmed I was the right person. The lady then disclosed my SS # and other personal information saying they will notify the state of a pending legal action.
Consumer complaint received 2018-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (VA)

I got a home loan in XX/XX/2007 with XXXX XXXX this company went bankrupt and my loan was sold to Caliber Home and at some point I applied for a loan Modification and was refused. well the loan was modified and the payment went from {$800.00} to {$460.00} and the loan was rewrote. and then Caliber sold my loan. I have been trying to get a copy of the signed loan modification. I had a fixed 9 % and now it has changed to a 12 %. 
This loan has been a Nightmare from the start. I have called every one I know to call. 
I have paid on this loan of {$70000.00} for 12 years and now owe XXXX the home is a 16 year old double wide and is not worth what the loan amount is and know one will redo or touch this loan  because the loan is a mess I cant afford a attorney so I am trying to do the leg work on my own. Please help me to get the correct documents. 
the loan is now owned by XXXX XXXX , XXXX. 
when the loan was wrote they are some eras in the loan and I cant get anyone to talk to me.I have never missed a payment and XXXX is now collecting the payment.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (DE)

XXXX XXXX XXXX  is now reporting as LVNV Funding LLC {$440.00} balance Has different names appearing on my credit reports that was taken off previously. 

XXXX reports it as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX reports it as : XXXX XXXX XXXX LVNV
Consumer complaint received 2020-07-14
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. (GA)

To Whom It May Concern, I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. SEE ATTACHMENT
Consumer complaint received 2020-07-14
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)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE
Consumer complaint received 2021-06-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

In three days it will be four months ago that I applied to refinance my mortgage with NewRez. I knew it would be a lengthy processes and provided the documents and information promptly when asked. I was encountering an issue that I wanted to briefly speak to someone about and contacted NewRez on XX/XX/21. On XX/XX/21, a junior processor contacted me for more documents which I provided. He believed I would close on XX/XX/21. I was unavailable that date, so contacted multiple people to discuss by email and phone messages. No one returned any of my contacts. On XX/XX/21, I received a closing disclosure stating I would close XX/XX/21. That date passed and no one would respond to any of my calls and emails still. I finally reached a representative that said my primary contact XXXX XXXX was available to speak to me. However, Mr. XXXX refused to speak to me and never contacted me back. On XX/XX/21, a representative from the Hope program did a conference call with me to NewRez and someone had to finally speak to me. I was told someone would contact me back by XX/XX/21. On XX/XX/21 I finally received a follow up from my months of requests for help.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been disputing with the bureaus since XX/XX/XXXX inquiries that I never approved of. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2020-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

I filed my annual Public Service Loan Forgiveness certification. Despite the period for certification being XX/XX/XXXX through XX/XX/XXXX and payments being on autopay but for the CARES act period, my fedloan only has certified 9 qualifying payments when it should show at least 12 qualifying payments. Their letter does not even mention the CARES act.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TRANSUNION THIS IS A FACTUAL DISPUTE you have my account blocked due to a disputed case { not sure if that's legal } anyway on my XXXX XXXX report you state I have 2 collections XXXX and XXXX show none Please remove all collection you are showing as per the other credit reporting companies enclosed are there reports stating NO COLLECTIONS please do the same
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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