davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

Servicing of our loan was transferred to Nationstar Mortgage XXXX, dba Mr .Cooper last fall. We always pay on time, and always pay much more than the minimum. They almost always mess up the allocation of our payments, so that I have to spend hours on the phone with them getting it straightened out. 

This is very annoying, and suspicious, since their mistakes ALWAYS are in their favor. 

Recently, their screw-up in allocating our payment resulted in them reporting that we were more than 30 days late making a mortgage payment, despite the fact ( which they acknowledge ) that we have always paid on time. As a result, our perfect credit rating is ruined. 

I desperately want a different servicer, and I fervently would like to see this horrible company get whacked for their misbehavior.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ALL 3 CRA FAIL TO SEND UPDATE CREDIT REPORTAND CONTINUE TO REPORT ACCOUNTS NOT MINES : '' XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX '' ... .NEVER DONE BUSINESS WITH COMPANIES AND OUTDATED REPORTING ON FILE
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (IL)

In XXXX XXXX, Chase Bank initiated a foreclosure action against me in XXXX XXXX, Illinois, Case No. XXXX CH XXXX. My answer and affirmative defense was filed. I received a a XXXX settlement, Ref # XXXX in XXXX XXXX. In XXXX XXXX, Chase and I reached a settlement in which I received a cash payment and loan modification. A clear credit clause was not included because my credit was not affected. Immediately following the settlement, Chase reported approximately XXXX late payments to all 3 credit bureaus. Since payments were abated during the litigation, this reporting is inaccurate.The late payments that accrued are now over 7 years old. When I became aware of the issue, I filed disputes with at least two credit bureaus which were denied. I am legally unable to document this matter with the credit bureaus due to the non-disclosure clause in the settlement agreement. I contacted Chase credit department on XXXX XXXX, XXXX to resolve the issue and spoke with XXXX XXXX. My dispute was escalated and denied.On XXXX XXXX, XXXX, I spoke with XXXX XXXX and the matter was escalated. The manager I spoke with told me that I had late payments by looking at her computer screen. I explained the matter and she requested documentation. On XXXX XXXX, at approximately XXXX XXXX CDT, I faxed the attached documentation to Chase.The case was escalated to XXXX XXXX. On XXXX XXXX at XXXX XXXX, Chase employee XXXX XXXX admitted that XXXX XXXX composed a letter of denial on XXXX XXXX, prior to receiving the faxed documents. Chase has not used due diligence in its research and continues to cause me economic hardship, loss of billed time, and emotional distress.
Consumer complaint received 2024-02-04
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. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And list of Inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Incorrect/inaccurate/ incomplete information on my report such as account status account type comments Date last reported payment history payments status date opened On multiple accounts, i have notified TRANSUNION, XXXX XXXX XXXX about this since XX/XX/2023. They claimed all information is accurate and verified i attached proof of inaccuracy on multiple sections and multiple accounts.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solomon and Solomon, P.C. (CA)

My mothers sister XXXX XXXX put an Gas and Electric bill in my name without an identification card in 2014 while I was incarcerated. I have have been asking this company to remove the debt for years I also show them proof of my release showing I was not in the household at the time.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

I am unable to see my accounts in detail. This is false advertising since this Credit Report is designed to show your accounts in order to review for any discrepancies. I requested on numerous times to be transferred to a Supervisor but the Representatives refused or made excuses that there's no Supervisor on Staff ( i.e. Representative " XXXX '' who I spoke to today ). I am requesting that the Credit Report detail my accounts and for a Supervisor to call me back on this issue ( my cell # : ( XXXX ) XXXX. 

Your support is greatly appreciated in this matter. 

Regards, XXXX XXXX
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My identity has been compromised and seem to been a victim of the dark web, after careful review of my credit files I'm demanding that the following accounts be removed and blocked from my credit files immediately. 

1. XXXX XXXX XXXX {$57.00} 2. XXXX  XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. Dept of EDXXXX XXXX {$22000.00} 5. Dept of ED/ XXXX {$18000.00} 6. Dept of ED/ XXXX {$15000.00} 7. Dept of ED/ XXXX {$10000.00} 8. Dept of ED/ XXXX {$10000.00} 9. Dept of ED/XXXX  {$8300.00} 10. Dept of ED/XXXX  {$7800.00} 11. Dept of ED/ XXXX {$7700.00} 12. Dept of ED/ XXXX {$7500.00} 13. Dept of ED/ XXXX {$5900.00} 14. Dept of ED/ XXXX {$5500.00} 15. Dept of ED/XXXX  {$5500.00} 16. Dept of ED/ XXXX {$4500.00} 17. Dept of ED/ XXXX {$4300.00} 18. Dept of ED/ XXXX {$4100.00} 18. Dept of ED/ XXXX {$3700.00} 19. Dept of ED/ XXXX {$3700.00} 20. Dept of ED/ XXXX {$2900.00} 21. Dept of ED/ XXXX {$2600.00} 22. Dept of EDXXXX XXXX {$2200.00} 22. Dept of ED/ XXXX {$1200.00}
Consumer complaint received 2017-10-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery has repeatedly called and sent invoices for balances that are not my responsibility. I have sent detailed letters giving them 30 days to send me information VALIDATING the accounts and they failed to do so. They simply respond with the previously sent invoice stating the accounts have been verified.
Consumer complaint received 2022-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

Hello XXXX XXXX  XXXX I have been having an issue with XXXX. I started new service in XXXX and received XXXX new XXXX - there was a promotion to get {$800.00} credit for each used returned XXXX. I sent in XXXX XXXX XXXX for a credit of {$1600.00}. Since we did a change of responsibility on the original account ( as the store manager instructed me to do )- they took the credit off my new account. I have spent so many hours on the phone with XXXX to get this resolved. I was also instructed to go into the store where I opened the service- the manager is NOT getting back to me. 
XXXX acknowledges receipt of my old phones and the keep promising me a resolution and for a manager to call me- which obviously as not happened. 

I told them I WILL NOT be paying this bill - since they took my phones worth the {$1600.00} credit. ( If I had the old phones - I could at least sell them ) They have tried to charge this to my XXXX XXXX card twice ( both times I disputed the charge and XXXX backed me up ) I was promised a call back on Monday XX/XX/XXXX. If I do not receive a call resolving this matter - I will seek legal action. 

Please stop collection on this debt and do not report this to credit agencies - I am doing all I can to resolve this with XXXX directly. 

Thank You.. 
XXXX XXXX
Consumer complaint received 2017-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ASSOCIATED BANC-CORP (MO)

I paid my mortgage payment into Associated Bank during working hours within 30 days. They accepted payment within 30 days, however administratively, posted the payments XXXX day and reported me late to the XXXX agencies. These payments I am referring to are for the months XXXX and XXXX XXXX. 

I believe they violated Regulation Z and X. 

Regulation Z for Mortgage Loan payments states : RULES FOR MORTGAGE LOANS Crediting Payments as of the Date of Receipt Section XXXX ( c ) requires loan servicers to credit a payment to a consumer 's loan account as of the date it is received. However, this does not mean that servicers must physically post a payment on the date received, provided the consumer is not penalized by the delay in posting. In other words, a servicer can have a delay between the time it receives a payment and posts it to the consumer 's account, as long as the payment reflects the date of receipt when it is credited. The distinction is important because it may not be operationally feasible for a servicer to post a payment on the date it is received. Comment XXXX ( c ) ( 1 ) ( i ) -1 of the Official Staff Commentary ( OSC ) for Regulation Z clarifies this point : A servicer that receives a payment on or before its due date ( or within any grace period ), and does not enter the payment on its books or in its system until after the payment 's due date ( or expiration of any grace period ), does not violate this rule as long as the entry does not result in the imposition of a late charge, additional interest, or similar penalty to the consumer, or in the reporting of negative information to a consumer reporting agency XXXX emphasis added ).
Consumer complaint received 2017-10-26
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. (WA)

XXXX XXXX XXXX reports multiple account numbers for the same account, some say XXXX balance & XXXX owed but account is over 120 days past due, another reports the balance has been charged off. Multiple calls to company. After I call to dispute, XXXX sends account to a different collection agency, and we begin the process over. It 's been since XXXX 2015 account is paid and closed at consumers request
Consumer complaint received 2016-04-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (GA)

Greetings, I am having a problem with the SunTrust Bank in XXXX XXXX, Ga. The problem involves the branch at XXXX, XXXX. and the branch located on XXXX XXXX. I had a safety deposit box at the one on XXXX which I closed out XX/XX/XXXX due to my retirement and inability to travel on base. I returned the keys and transferred the box to the XXXX location. After this the bank at the base continued to bill me through XX/XX/XXXX for {$45.00} a month. My wife thought the bill was from the XXXX XXXX. branch and paid it for the last 3 years When I rented the box on XXXX XXXX, I also opened a savings account which they deducted the rent annually. When the amount in the account dropped below the rental amt., they deducted the balance and created a overdrawn situation. They, in turn, have charged me a penalty along with some type of interest charge for approximately {$50.00} and are currently saying I own {$110.00}. In calculating the penalty, they have pyramided the bill which is against the law. 
I have closed out the box on XXXX but was told, I could not close the savings account because I still owed {$110.00} even though my wife has made three {$45.00} payments on the base box which I did not owe. They made the withdrawal and applied the penalty after the fact without notifying me and providing me a chance to pay the {$75.00} rent. How is overdrawing a savings account an acceptable procedure? 
I want the {$110.00} balance removed and the overpayment for the three {$45.00} payments or {$22.00} refunded to me.
Consumer complaint received 2015-05-29
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: BOK FINANCIAL CORP (AR)

I Applied for a loan and gave the Bank Of Arkansas everything they requested and my pay stubs that showed how many hours I Usually work per pay period XXXX to XXXX bi monthly and was in their office and verbally told them what I make monthly {$1000.00} is the Max I Can make without it affecting my XXXX XXXX so I Could purchase A House I Received A Pre Qualification Letter and A Good Faith estimate shortly after I Gave The Bank everything they wanted everything was fine then the person handling my loan asked me how old I was I Told him it was on my Drivers License he had a Copy of and I Told him Almost XXXX he replied wow you do n't look XXXX years old I Thought you were much younger! This was just at the beginning of this week XXXX/XXXX/2015 then the other day he told me that the XXXX. wanted A fee called A " XXXX months reserves fee '' that the XXXX. wanted not the Bank so I Looked into this and found out that no one else knows what this is and the XXXX. has no such fee! He seemed to get irate.after I asked what the closing costs were but this was on Tuesday XXXX/XXXX/2015 and the closing was suppose to be done on Friday XXXX/XXXX/2015 So I Told him I Needed to know as closing was Friday! He seemed a little upset as I Looked at the contracts so on and could not find any info about the closing costs! IE : From XXXX XXXX XXXX XXXX, If you review your estimated cost summary it shows that it will take around APPROXIMATELY {$1500.00} CASH REQUIRED TO CLOSE. You also need XXXX months reserves which is about {$1700.00}. 

Your debt to income ratio should be about 40 %. Minimum Cash Payments a Month / Monthly Income. 

These are estimates. 

Thanks, XXXX
Consumer complaint received 2021-08-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I sent a letter previously ( XX/XX/2021 to be exact ), asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-10-26
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: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit reporting agency reported the same debt three time to XXXX but did not report it three times to XXXX or XXXX  credit reporting agencies. I contact XXXX XXXX XXXX XXXX to complain about what they did and the representative refuse to acknowledge that their agency did this intentionally further exploiting XXXX data breach. The first report was XX/XX/XXXX. The next one wasXX/XX/XXXX and XXXX both XX/XX/XXXX for the same amount of the original debt of {$1100.00} to one creditor and then {$600.00} for the other creditor. On all three times they reported the same information from the same creditors I owe debt to. I explained to them that the are only allowed to report the debt to all three credit bureaus one time and one time only. I further got no response other than if my address, telephone number etc was correct for them to pursue me for collection purposes. I want the additional two reports removed from my credit report because they are only allowed to report once not three times.
Consumer complaint received 2024-02-04
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. (SC)

The consumer reporting agencies are acting in willful noncompliance. Ive informed them that this information is inaccurate to which they continuously update it as valid.

Late payments are being furnished onto my consumer report, and pursuant to FCRA 15 usc 1681a ( 2 ) ( A ) ( i ) the consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Im demanding for ALL late payments to be removed immediately and the accounts to be updated as PAID AS AGREED, NEVER LATE.

Further more the Charge offs furnished onto my consumer according to the IRS publications are a certificate of indebtedness that must be removed immediately as this is income and income can not be reported onto the consumer. 26 CFR 1.61-1a THIS IS IN FACT VIOLATION OF MY PRIVACY ACCORDING TO THE PRIVACY ACT OF 1974.
Consumer complaint received 2017-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (ME)

I have a loan with TD Bank in the state of Maine. My loan term was getting ready to expire and my statements reflected that I still owed another {$7300.00} +/- after the term was ended. I have been trying to get answers for the last two years as to what I need to do to fix this issue. I have even sent in financial paperwork for loan extension with other questions and was only told that the loan could not be modified and at the end of the term it would go to collections. I was trying to be proactive, to see what I could do to work this out with the bank, but would wait on hold to even reach someone for over 30-45 minutes and they would tell me I needed to speak with someone else. This would again place me hold for a long time with the same results. Just recently I sent an email to their online general box and have had no return response and it has been a few days. So still no answers and the term is now ending XXXX XXXX, 2017
Consumer complaint received 2024-02-04
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. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And list of Inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this