davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX  # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX  XXXX Balance {$170.00} ; XXXX XXXXXXXX Balance {$2000.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$7600.00} ; XXXX XXXX XXXXlance : {$2500.00} ; XXXX XXXX XXXX  XXXX Balance : {$310.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX, XXXX, L.
Consumer complaint received 2022-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I filed a complaint previously ( last month ) about not receiving my mortgage statement until after the date due. Their response was I have to pay it over the phone or online. On XXXX XXXX, 2022 I call customer service because I did not receive statement for XXXX 2022 payment. I was told it went out on XX/XX/XXXX. On XX/XX/2022 I call again after still not receiving statement and was then told it went out on XX/XX/XXXX. Once again I have been given misinformation. I had to print a statement to send it in and in and it is my belief I was not sent a statement at all. Shellpoint was the only bill I had not received of all my bills. I was offered automatic payments and or to pay online or by phone. To me that is unacceptable.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$19000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$530.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$89.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$40.00}, XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXXXXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$160.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$40000.00}.
Consumer complaint received 2015-04-02
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (PA)

On XXXX XXXX, 2011 I become unemployed. At that time my mortgage servicer was XXXX XXXX XXXX ( XXXX ). By XXXX I ran out of funds and I applied for mortgage modification and I head great difficulties to have the mortgage modified by XXXX, regardless, I used XXXX different mortgage modification company to help including XXXX MHA approved, Credability with no avail. 
XXXX sold my mortgage without resolving my modification. 
The mortgage changed couple of hands since. 
I am XXXX years old and XXXX, but because I was turned down with my modification and I need to keep my house I was forced to go back to work. I applied for modification to have my mortgage interest rate reduced not raised. 
The servicer Roundpoint Mortgage Servicing Corp. offered me a totally dishonest modification they are raising my interest rate from XXXX to XXXX. They are stilling my house, I am XXXX and my XXXX benefice is {$2000.00}. I have to XXXX as soon they will make my house affordable. 
Is insane to force me to work until I will be XXXX to pay the mortgage.
Consumer complaint received 2022-07-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Academy Mortgage Corporation (NV)

My husband and I applied for a first time home buyer FHA mortgage with Academy mortgage based out of XXXX, California. 

We have a perfect credit, no debts, good income, steady employment and cash in the bank. 

We were denied, and wonder based on which criteria. 

We are seeking answers, and wonder why no other type of mortgage was even proposed to us. 
maybe we could have qualified for a conventional loan?
Consumer complaint received 2015-10-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

Name : XXXX XXXX XXXX, Phone : XXXX email XXXXXXXXLoan is with Wells Fargo Loan Number XXXX, Please help, I have health issues that have put me in a position where I have lost my job and I am now on XXXX. I have been trying to speak with someone at Wells Fargo to postpone the sale date to do a short sale or deed in lieu. Been passed around from the preservation specialist, to liquidations, To the re-entrey dept back to liquidations. On the phone at least for the past XXXX hours. Now one has any answers on who can help get it postponed to do the short sale or deed in liey. Please help. Times is of the esssence.
Consumer complaint received 2023-04-05
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. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

Credit ran an excessive when applying for auto after being told just one company would XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED WORD DOC ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED AT 30 OR 60 OR EVEN 90 DAYS THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE THERE IS A CHAPTER XXXX THAT IS NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED
Consumer complaint received 2015-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted XXXX disputes to Trans Union credit bureau regarding incorrect payment history for an account on my report - XXXX. The payment history reflects multiple late payments when in fact the account was paid in a timely manner. I have also contacted the creditor but no answer has been given after numerous attempts. I am not sure what else to do given the attempts and lack of proper response from the credit bureau.
Consumer complaint received 2024-02-21
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I was denied credit in XX/XX/2024 due to my reported Trans Union credit score of XXXX, yet when I review my credit score on a consumer site ( XXXX XXXX ) my score is reported as XXXX. 

Why are there multiple scores? How can a consumer manage their credit with hidden numbers being used to decide creditworthiness?
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed Chapter XXXX XX/XX/XXXX and was granted a discharge XX/XX/XXXX. Part of the Chapter XXXX was a piece of real estate ( rental home ). The bank ( XXXX ) filed for an ORDER GRANTING RELIEF FROM AUTOMATIC STAY and proceeded with a foreclosure on the property. As I understand it, the foreclosure is simply a mechanism of regaining title for the bank. XXXX reported to the credit agencies that this property was a foreclosure as opposed to a Chapter XXXX discharge. I disputed this with the credit agencies and they did not fix the error. XXXX Bank said that they foreclosed on the property so they can report it as such. Now my credit report shows a foreclosure as well as a XXXX XXXX for the other discharged accounts. I would like the foreclosure to to be corrected to a Chapter XXXX discharge since this property was included in the bankruptcy.
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

All of the hard credit checks we 're not mine it was all fraudulent identity theft I never applied for any of those loans or cell phone accounts or any of the hard checks we 're not mine I contacted some companies and they said it would automatically come off my credit report and it has never been taken off
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Early Warning Services, LLC (WA)

This is my second complaint against EWS. They continue to fail to provide me a copy of the negative information they are spreading about me. I filled out forms, requested my consumer file on multiple occasions. They refuse to respond. I demand a copy of my file.
Consumer complaint received 2020-09-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (NC)

On XX/XX/XXXX I received a call from Mariner telling me that I was {$43.00} short on my last payment. I had been over paying the loan and on XX/XX/XXXX I went to the website to check my monthly statement and it said the amount due was {$20.00} and that's what I paid through my bank ( XXXX XXXX ). They pay all my bills since I suffered a identity theft in XXXX. 
The payment was made days before the due date of XX/XX/XXXX. They wanted me to pay the shortage over the phone in which I refused and said that I would pay as I normally do. He continued to push me to pay right then so I ended the call. This was my 2nd issue I had with this group. When covid started they offered all account holders a chance to refinance their loan in which I looked into. They came up with a {$9.00} difference and adding 6 months to the term, I declined, that's when the XXXX XXXX started from the rep. trying to force me to take the new loan I again refused but he continued to argue with me as to why I wouldn't take the deal I again ended the call, immediately after that I got a call from the branch manager and she continued the onslaught of insults toward me for not taking the new loan, I felt {$9.00} a month and additional 6 months just wasn't worth the trouble. I check my balance regularly on the website and it is never matched to what they tell me I owe its always more $ XXXX and I feel that I've been stuck on one figure for quite sometime. Each time I have talked with them they try strongarm tactics, the Mariner branch in question is Mariner Finance XXXX XXXX  XXXX XXXX in XXXX NC. this were the loan originated.
Consumer complaint received 2015-04-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (AZ)

On XXXX XXXX, Wells Fargo allowed this unauthorized charge to come out of our checking account:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called Wells Fargo immediately and also called the XXXX number listed above. It turned out to be loan servicing for XXXX XXXX financing - XXXX XXXX. XXXX XXXX researched the charge and found that the charge went through ACH and was supposed to be a payment to them from their customer XXXX XXXX XXXX who has the same bank account number but a different routing number as we do. We made a three-way conference call with Wells Fargo and XXXX XXXX to explain the problem the same morning we discovered it - XXXX XXXX. XXXX from XXXX XXXX explained to Wells Fargo that this should n't have been charged to our account and we explained it but Wells Fargo refuses to even give us provisional credit for this huge amount of money they allowed to be withdrawn from our account. XXXX days later, we 've called them almost every day and still no refund. Please help us get our money back. By the way, we have had accounts with Wells Fargo for more than 15 years.
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Early Warning Services, LLC (MI)

I initially filed a dispute in XXXX 2014 and subsequently in XXXX 2014. This company continues to defame my name. I sued them, however, there is a bankruptcy stay currently in place. I have been unable to keep a bank account open. The bankruptcy case # XXXX filed in XXXX District of Michigan was discharged today. You may call to verify at XXXX, however, this company continues to report that I owe money to the banks when that is not the case.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct the following inaccurate accounts that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-03
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: Nelnet, Inc. (CA)

DEPT OF EDUCATION/NELN 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2015-03-19
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: BOGMAN, INC (CT)

I had homesite home owners ins. It was {$2000.00} a year. I had my mortgage company pay my taxes and insurance through an escrow account. I paid {$1500.00} as a fixed price. My taxes have NOT gone up. My PMI has NOT gone up. I changed my insurance company to liberty mutual. My new yearly price is {$1000.00}. When I notified Bogman Inc. of the change, my new monthly payment only went Down {$10.00}. I have called the company 4 times. First speaking to " XXXX '' whom did not help me, then to her manager " XXXX XXXX ''. Who is telling me they have only been paying {$1000.00} a year for my previous years insurance, which is a lie.
Consumer complaint received 2020-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Trident Asset Management, L.L.C. (FL)

on XXXX XXXX an account was reported on my credit which is believe is completly incorrect and needs to be removed. I was been difficult for me to obtain a place to live due to this account and I need it removed on XXXX XXXX a account was reported negatively to my credit which have made it hard for me to obtain new credit. Due to Covid-19 I was unable to settle the account and I believe this is unfair and should be resolved
Consumer complaint received 2015-08-30
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

I applied for a mortgage through carrington mortgage and was pre approved and went through the whole process to obtain the mortgage to purchase a house and paid for the inspection as it was a va loan and then was denied 2 weeks before closing for not having enough reserves when through a va loan there are no cash reserves needed and i lost the house and was out XXXX for the home inspection.
Consumer complaint received 2024-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX, WI. XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX XXXX Re : Affidavit Regarding Unauthorized Collection Placement on Credit Report To Whom It May Concern, I, XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, WI. XXXX, hereby submit this affidavit to contest the unauthorized placement of a collection account on my credit report by your agency. This affidavit is a formal declaration of my intent to pursue legal action against your agency for violating my rights under the Fair Credit Reporting Act ( FCRA ) and engaging in unfair and deceptive practices. 

I affirm the following statements to be true and accurate to the best of my knowledge : 1. On XX/XX/year>, I discovered an unauthorized collection account listed on my credit report, reported by your agency, XXXX XXXX XXXX. The account is not in my name, and I have no knowledge of the debt it represents.

2. Upon discovery of the unauthorized collection account, I promptly disputed the account with the credit reporting agencies in accordance with my rights under the FCRA.

3. Subsequently, the disputed collection account ( XXXX  ) was investigated and removed from my credit report by the credit reporting agencies, as it was found to be inaccurately reported and not associated with me.

4. Despite the removal of the disputed collection account, I have recently discovered that your agency has reinserted the same collection account onto my credit report without my authorization or consent.

5. This unauthorized placement of the collection account has caused significant harm to my creditworthiness, resulting in negative impacts on my ability to obtain credit, loans, housing, and employment opportunities. 

6. Your agency 's actions constitute violations of the FCRA, which prohibits the reporting of inaccurate or unverifiable information to credit reporting agencies and requires verification of disputed items.

7. I demand that your agency immediately cease and desist from reporting the unauthorized collection account on my credit report and take all necessary actions to remove it permanently.

8. Furthermore, I reserve the right to pursue legal remedies available to me under the FCRA and other applicable laws, including but not limited to statutory damages, actual damages, punitive damages, and attorney 's fees. 

I declare under penalty of perjury under the laws of the United States that the foregoing is true and correct. 

[ Your Signature ] XXXX XXXX