davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The credit companies, XXXX and XXXX are not complying with their own policies in a timely manner. Transunion has reinserted a account that was removed off my credit report under a different name called XXXX XXXX  XXXX XXXXhis from XXXX XXXX
Consumer complaint received 2020-10-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX This account is not mine. This account is fraudulent. I have never had a loan with this company. 

Experian is not reporting and doing a proper investigation. They have not shown me proof of this account to be mine. They will not send how they came to the conclusion. They will not say who they talk too. They are relying on computer generated answers. They are not showing any proof.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Billing errors were on my report. I was never late on any of my accounts. You can not report inaccurate information this a violation FDCPA false misreporting please update account to current and paid as agreed on time. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. This is for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2021-07-14
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. (TX)

XX/XX/XXXX In regards to XXXX XXXX XXXX. 
Account Info Tap labels for more details Account numberXXXX Collection openedXX/XX/XXXX Account type Debt Buyer That account does not belong to me. 

Experian has not provided proof of debt validation, neither has the original creditor. although I have requested this via certified mail. 



I ask once again to have this item removed from my credit report. 

I will continue to pursue this matter until it is resolved to my satisfaction. 

Thank you, XXXX XXXX
Consumer complaint received 2021-04-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

This is a formal complaint against Specialized Loan Servicing ( SLS ) and XXXX XXXX. When I purchased my new home, I was convinced to buy a paid in full mortgage insurance premium. I knew the full 10 years of the policy would not elapse before the policy was cancelled and decided a refund for the unused portion would be fine. Since the purchase, I have brought my equity up and the mortgage insurance is no longer needed. I paid {$10000.00} for the 10 year policy and it was in effect for only 1 year and 4 months before cancelled. I refinanced through a different company and paid the original loan in full so it met the 80 % requirement for cancellation. 
The loan servicing company and insurance company are now telling me that it is a non-refundable INSURANCE policy. I have received the paperwork that I signed when I originated the policy, and it states that the policy is refundable with 30 days notice. I originally contacted them XX/XX/2020. My loan Number with SLS was XXXX and my insurance policy with XXXX is # XXXX. I have contacted them numerous times via letter and calls and they still refuse to uphold the cancellation policy in their terms. 
I am attaching the letter of correspondence that SLS has provided to me in their response and the original paperwork that I signed to setup the insurance policy.
Consumer complaint received 2021-05-06
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: Synovus Bank (FL)

I was sick with XXXX and in the hospital and barely made it. I have requested for them to remove my 30 day late and they have ignored me. I have sent them a letter and they have not alleviated the situation. This company has no way of making a payment online easily. The payment system is basically created for you to have to pay fees to get anything done. Check their website to see. I am in a tough situation because I can not cancel the card because it is my oldest tradeline. Can anyone help?
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (LA)

I called target customer service via the number on the back of the card on friday XX/XX/XXXX. 
I asked to speak to someone about the late payments that were reported to my credit in XXXX, XXXX, and XX/XX/2021. I also explained I am trying to buy a house and those XXXX late payments are stopping me from doing so. 
I explained the company I worked for made us take a cut in pay due to co-vid 19. I emailed the ceo to ask for forgiveness doing a time I was not working. 
I received a letter from target stating they are not able to remove it from my credit report out of good will.I
Consumer complaint received 2021-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (WI)

I paid the creditor XXXX XXXX for two debts I owed to the companies in XXXX, 2021. I disputed this with all three credit bureaus. I disputed with XXXX two times with satisfaction of judgment letter from the creditor owed ; however, XXXX investigators concluded the amount owed to be accurate.
Consumer complaint received 2020-11-23
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)

i have contacted all 3 agency in regards to this debt from security credit services, this was supposed to removed of my credit. i dd contact XXXX XXXX XXXX in which they investigated and sent me a letter they are removing the derogatory information off my report with the bureaus. as of XX/XX/20 XXXX score was XXXX, and it went down to XXXX due to this false info and im not sure what is going on but it seems that my XXXX score just jumps all over the place and nothing has changed but i have been disputing all the false info on my account again, some of the items on my account are old and fraudulent, and are still reporting derogatory and there not even my accounts, i need help these have been causing issues since XXXX. i have sent information that has been requested as well as police report.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I have asked these companies to remove the fraud alert on my credit report. I have disputed many things that I dindt authorize or is not my account. Yet the reporting agencies wont help or remove yet post my file as a fraud alert. 

I have attached my texas drivers license.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account 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 an account without my written instructions.
Consumer complaint received 2022-04-06
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. (IN)

On XX/XX/2022, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX, KXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and and say it's mine. According to the FCRA, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2021-05-06
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: AMA Advisors, LLC. (GA)

Refinanced FHA mortgage loan, closing date : XX/XX/2020. Homebridge Financial rec 'd final payment from XXXX ( closing attorney ) who apparently mistakenly short-paid Homebridge in the amount of {$4900.00}. Upon realizing this mistake, they corrected within 48 hours ; additionally offered a letter of accountability. Homebridge reports " late mortgage '' payments for XXXX and XXXX on my credit report through Equifax and Transunion. I have made four attempts to correct with the previous lender and credit bureaus ( offering them supporting documentation ) and they will not remove the negative remarks from my credit report. Letter of accountability clearly states the human error lies with the closing attorney. Furthermore, {$4900.00} on a {$210000.00} pay off marked " two days '' past due date does not justify TWO 30-day late penalties on my credit reports. 
The result of this has caused credit limit decreases totaling {$7400.00} and credit denial for new credit accounts or increases, three creditors have even completely cancelled access to existing credit accounts with a reasoning " recent late mortgage '' payments -- which I have zero. I pride myself on a stellar payment history to my creditors. 
PLEASE help me with a remedy for fair credit reporting for this unique situation. 
I have worked very hard to build my credit -- to have blemishes I can not control is unjust. 
Thank you
Consumer complaint received 2021-05-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (GA)

I placed my FHA mortgage on forbearance in XX/XX/2020 while it was still current as we are XXXX and had major financial setbacks due to XXXX. Navy Federal Credit Union has consistently added interest and LATE fee 's and reported those amounts to the credit bureaus which has effectively made my credit scores go much lower. It appears that I am over my credit " limit '' on my mortgage account over {$4000.00}. I also am aware that NFCU has suspended doing FHA loans at all so I feel like this is a way to eliminate existing FHA loan customers. I recently requested to come out of forbearance last week and have heard nothing from NFCU until last night when my account was placed on restriction due to having a delinquent debt ( mortgage ) and have attached screen shots showing that. I also had to answer questions last night about my mortgage before I could do anything else or access any other checking accounts confirming the amount that was now due ( {$4200.00} ) and how I intended on paying that balance and nothing about a stand alone claim which I thought I had applied for. Access to my mortgage online is and has been restricted for quite some time. I was then informed that I needed to contact them to seek other options as my past due amount from forbearance was due by the end of the month giving me 2-3 weeks. I also inquired this morning to 2 representatives on the phone as to why my account privileges were restricted now and no one I spoke to could answer that question. I am being treated like I have done something wrong. Additionally, I applied for a secured credit card that was recommended after being pre qualified for a credit card and had several hard pulls on my credit report only to be denied because I was delinquent on my mortgage! I just checked my credit score and because I have done everything I could to offset the negative additions to my loan balance by NFCU, it is now up to XXXX. I thought NFCU was trying to help its members financially when all they have done is try and punish me even though i have never been late on any of my loan accounts since being a member. If I can not get this resolved I will start contacting some legal resources and have them assist me since this should not be happening to those of us who have had XXXX and have struggled with this pandemic for over a year.
Consumer complaint received 2022-04-27
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have asked these companies to remove the fraud alert on my credit report. I have disputed many things that I dindt authorize or is not my account. Yet the reporting agencies wont help or remove yet post my file as a fraud alert. 

I have attached my texas drivers license.
Consumer complaint received 2017-12-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Braviant Holdings, LLC (NM)

My husband and I received a loan for XXXX on XX/XX/XXXX We have made 6 payments every two weeks for XXXX totaling XXXX. I called on XX/XX/XXXX to payoff loan and they asked for another XXXX to pay the loan off. I do not believe that they have applied any of my payments to the principal. They kept telling me that I still needed to pay for interest that was to paid throughout the original term of the loan. I advised them that I am paying them early so that does not apply to me.
Consumer complaint received 2020-06-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associates - On XX/XX/2020, I sent a Cease and Desist letter requesting they cease all communication with me. I sent it via USPS Certified Mail ( XXXX ). Today, XX/XX/2020, they called my home phone ( XXXX ) XXXX at XXXX XXXX from a phone number listed under caller ID as Portfolio Recovery ( XXXX ) XXXX. I answered the phone, confirmed they were indeed calling for me, then informed them of the cease and desist letter. She said, " Yes I see we have that on file, '' then proceeded to ask me how I would make payment arrangements for the alleged debt.
Consumer complaint received 2021-02-18
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: OneMain Finance Corporation (NY)

i consumer XXXX XXXX XXXX entered into a financial credit transaction at ONEMAIN FINANCIAL GROUP LLC. LOCATION, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NEW YORK XXXX. THEY FAILED TO DISCLOSE DOCUMENTS RELEVANT TO THE CREDIT TRANSACTION. A consumer credit transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction, because i know the finance charge is the sum of all charges i was not expecting to have to pay these payments they have been charging me.
Consumer complaint received 2017-11-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Yakima County Credit Service, INC (MO)

What type of problem are you having? I am trying to get my credit in order and I have a collections company YCCS located in XXXX Washington my home town that has piled on a pretty big bill, wich I could have paid back eventually had they not tacked on a absolutely ridiculous interest rate and never contacting g me or even sending me a letter stating the amount of money I owed ever. Now it is at {$19000.00} and most of it is interest since its been building it for probably 12 years or so with out my knowledge. I have agreed to start paying XXXX dollars a month and they faxed me the paper work and when I am finished paying it off I will have paid XXXX dollars wich seems a bit out of hand and its really making it hard on me. I am a XXXX father of a XXXX XXXX XXXX girl who has made some mistakes in the past but I am trying to fix my credit and buy a house so I can raise my girl in a nice home. And where I live I could buy a nice home for XXXX dollars and put the money into my local economy. Anyways I feel like Im being taking advantage of and I also feel like this cant be legal if you could please help me out with this I would really appreciate it my email address is XXXXXXXXXXXX, my phone number isXXXX and I live at XXXX XXXX XXXX XXXX MO. I am very busy working and taking care of my daughter the best way to contact me is an email. 


Thank You XXXX XXXX Who are the people involved?
Consumer complaint received 2021-07-15
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: Adler Wallach & Associates, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

I have made a transfer on XXXX through Moneygram and as usual, they say it will take 3-4 business days to complete. However, as of today XXXX the money has not been delivered to the recipient yet. I kept calling them and they say the money has been delivered to their local bank but they have never got feedback about if they transferred the amount to the recipient 's bank. Within this time I have made transfers through XXXX and XXXX smoothly. It's my first and last time to use Moneygram 's service and I hope I get my money back.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CA)

Arvest Central mortgage company, I had sent in extra monies to go towards my principal. I have not missed any of my monthly payments I am on auto pay. 
XX/XX/2022 they received {$8000.00} XX/XX/2022 they received {$8000.00} XX/XX/2022 they received {$6000.00} Total of {$22000.00} has still not been applied to my account. 
I have called and had this escalated, someone calls me on a weekly basis now to tell me it's not been done yet. They also told me this has been happening to other people. 
This is not OK that they are tying up my money for so long, and they are just telling me that they are backlogged.
Consumer complaint received 2021-07-15
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. (IL)

I recently sent in a dispute for an account on my report XXXX acct # XXXX. In stead of researching and verifying the information I supplied to them they updated once again to what the letter I sent in stated. The bad part is, the account is included in my bankruptcy and now it says it is late and past due. How did they fix my dispute or correct the account. They did not verify any information from the creditor. I had asked them to remove the item and instead they updated it with false information and have further damaged my credit and reputation. I have attached a letter of what I sent them and a copy of a document showing it is in my bankruptcy.
Consumer complaint received 2020-11-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (NY)

Hello CFPB Staff, May you be well and safe. This is a two-part issue. 

( 1 ) I owed {$4300.00} to Chase Bank Card Services ( XXXX XXXX XXXX XXXX, DE XXXX ). My credit report indicates that this account was closed XX/XX/XXXX. However, I was actively paying this balance off through XX/XX/XXXX via my online Chase login. When logging on in XX/XX/XXXX to make a payment, I didn't see this particular account on my profile. Chase gave me no warning that they were closing this particular account. I called customer service and they could not give me a good reason and basically indicated that I was taking too long to pay. Therefore, I would like Chase to make this particular account active again and to remove any derogatory remarks from my credit report. 

( 2 ) On XXXX  XXXX, XXXX I made paid {$2100.00} to XXXX XXXX XXXX ( XXXX XXXX TEL ID : XXXX ). I think they violated contract law because at no time did they indicate to me that I did not have to do business with them. I felt stressed, pressured, and extorted as they said I had to choose payment option A or B. I did not know that I had option C, not to do business with them. But I did pay them and no derogatory remarks were supposed to be placed on my credit report concerning this particular account. Therefore, I would like XXXX to give me back my money or do what they need to do to make sure no derogatory remarks associated with this particular account appears on my credit report. 

I seek remediation and rectification. Thank you for your help with this matter.