davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (IN)

I made a mortgage payment through XXXX XXXX  for my XXXX mortgage payment. I received a call on XX/XX/XXXX that the payment was late and needed to pay that day in order not to be reported to a credit agency. I made a payment over the phone and that payment posted to my account to prevent being reported as deliquent. 

I then contacted XXXX to get a cancelled check for the XXXX payment and that reflects Ameri Home cashing the check on XXXX. That payment proof was faxed to Ameri Home on XX/XX/XXXX as proof of payment. 

I asked them to apply the cancelled check as my XXXX mortgage payment, and it still not resolved. I have contacted them several times each week since that period to check on the resolution. I have spoken to countless customer service reps and managers, I have emailed my bank statement and proof of payment to mangers directly, I have faxed the documents and I have sent the documents to the payment processing department to create incident numbers. Not one person has been able to help me, I keep getting pushed off to give them another week. It is now XX/XX/XXXX and my mortgage payment still shows due XXXX because the payment is not yet applied. I spoke with them again today and they informed me if I paid my XXXX payment, it would be applied to XXXX and I would still reflect as late. 

The amount of time this has taken me to try and resolve is not acceptable, the customer service I have received is poor to say the least. I have done my work to get this corrected and I am still the one who they say the burden of proof is on.
Consumer complaint received 2023-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jonathan Neil & Associates, Inc (CA)

I received a letter dated XX/XX/23 from Jonathan Neil & Associates , Inc. XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX. 

I am writing to file a complaint against Jonathan Neil & Associates , Inc. for violating the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I am concerned that the company failed to meet the FDCPA notice requirements in its attempt to collect a debt from me. 

On [ Date ], I received a notice from Jonathan Neil & Associates , Inc. regarding an unpaid balance due on my policy with XXXX XXXX XXXX. The notice failed to include the mandatory " tear-off '' dispute form required by the FDCPA, which makes it difficult for me to dispute the validity of the debt. Additionally, the notice did not provide me with detailed information about the debt, including the amount owed, the original creditor, and any proof of my agreement to pay this debt. 

I have already sent a dispute letter to Jonathan Neil & Associates , Inc. regarding the validity of this debt, but I have not received any response to my request for validation of the debt or the " tear-off '' dispute form. Therefore, I am filing this complaint with the CFPB in hopes that your office can intervene and require Jonathan Neil & Associates , Inc. to meet the FDCPA notice requirements. 

I am also concerned that the company may be engaging in other unfair or deceptive practices in its attempt to collect this debt. I request that the CFPB conduct a thorough investigation into Jonathan Neil & Associates , Inc. 's debt collection practices and take appropriate action to protect consumers. 

Thank you for your attention to this matter. Please contact me if you need any additional information.
Consumer complaint received 2022-07-22
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. (VA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00}
Consumer complaint received 2022-12-28
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-06-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

On XX/XX/2021, I sent a goodwill letter disputing the validity of ( 8 ) incorrect items on my credit to XXXX. I submitted disputes along with evidence that the letters were in fact sent to the correct address. The representative stated that he would include the notes pertaining to the letter and that the disputes would be investigated. He went on to state the original debtor had transferred the debt to another collection agency and that the information was verified that company. I called back on XX/XX/XXXX to follow up with my second letter and was informed that neither letter was received by the dispute department and could have potentially been destroyed. I called back in today and spoke with a representative from XXXX to XXXX EST only to be told that due to the high volume that she was not able to assist in looking into the matter and that the only thing that she could do was to start a new dispute following my follow up letter. She then transfers me to a dispute Supervisor XXXX and we started the entire conversation over and he informed me that they had not received any of the ( 3 ) letters that I submitted questioning the misinformation on my credit report. I have been patient with Equifax for ( 2 ) months and when I feel as though I am getting somewhere, the supervisor ends the call and I am then prompted by a survey. As a result of the handling of my inquiry, I am now submitting a concern about Equifax and their poor management of my personal information. This company is in violation of 15 U.S. Code 1692g, 15 U.S. Code 6801, 15 U.S. Code 1692e, and 15 U.S. Code 1692k.
Consumer complaint received 2020-10-19
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. (FL)

I have XXXXent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2023-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of america acknowledged my first complaint emailed me once to call then ignored all my attempts to communicate with them about the issue. They denied my claim again without proof and without ever speaking to me after about a dozen attempts. I called and emailed without any repsonse and they ignored me. They continue to refuse my fraud claim fore baseless reasons
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I mailed a dispute letter to TransUnion on XX/XX/XXXX and never received a response within the 30 day time frame. I called TransUnion on XX/XX/XXXX, well over 30 days, and they told me over the phone the status of the investigation. I also demanded that they remove the items on my credit report because I never got a response or a status update of the investigation, and by law they are required to remove these items. I was talking to the agent and asked her questions as to why they refuse remove the items and she was not clear with her answers and continued to refuse my request. She eventually said that a manager will call me, I have not received a call. 

I also called XXXX, and they also refused to remove items from my credit report. They claimed that they have not received any documents, even though I sent the documents via certified mail. The agent tried to tell me that I sent it to the wrong address, even though the address on the website is the address I sent to for disputes. The addresses she tried to tell me are not on the website.
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

Comenity Bank has used unfair and confusing practices with a credit card. I applied for an account with Wayfair online around the XX/XX/2020. The same day I made a purchase online, but waited to receive the credit card in the mail. It took a while ( I received a bill in late XXXX or early XXXX ) to receive any correspondence via email or in the mail. I received my product on XX/XX/XXXX. About a week later I attempted to go online to make a payment. It has been very difficult to communicate with their office about payment. The Comenity Bank website for the Wayfair card was not working properly. When I was finally able to get to the login for payment page, it still did not work properly. I was not sure which number to use to call them. It took a few days to engage online, but when I was able to get to a page to log in, it required the account number, which I did not have, to login. Then I received a letter that stated the account would close in 10 days. Wayfair switched from Comenity Bank to a different bank for credit card services and as a result reported to credit bureaus that the account was closed ( a negative impact on my credit ). I waited for the bill in the mail. But that the bill I received did not have a full account number listed. I called the number on the statement and was able to make a payment but I noticed that they charged me a late fee. I expressed how difficult it was to figure out how to make a payment online. Eventually, I asked about having the fee waived due to the difficulties of going online and paying as well as no account number appearing on the bill and they told me since the account was closed there was no way to reverse the fee. I asked how are they able to charge a fee but not reverse it? They had no explanation nor did the agent seem to care. He went on to explain to me if I paid it on time there would be no fee. I reminded him about WHY payment on time was an issue and that was the reason for my request. Eventually I asked to speak with a manager. When the manager got on the line, I asked why they were charging a fee on an account they closed. She asked which account, I told her Wayfair and she said, we do not service Wayfair accounts, XXXX does. While I was explaining to her I was a new customer when the switch occurred the line dropped. It was hard to tell if it was on purpose or accident because it dropped right when she finished her sentence and I began to speak. I called back and was on hold for 3 min and the call dropped again. 

This bank should not be allowed to offer services to the public if they are not able to properly handle accounts in a situation like this.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After two-three months of observing my consumer reports by the named Credit Reporting Agency ( ies ) it has come to my attention that my consumer rights are in violation by the company reporting and the Company furnishing an account. Reason, FL DEPARTMENT OF REVENUE, the Company furnishing the information to the Reporting Agencies by non disclosed consent, FL DEPARTMENT OF REVENUE with the Credit Reporting Agency continues to furnish an account with adverse action making a significant harm to my credit profile. According to Fair Credit Reporting Act, fair and accurate reports should ONLY be forward to Agencies via the consumer by permissible written consent. 

The reporting of account XXXX ; XXXX ; XXXX : has caused severe damage to my credit character, my credit reputation and my general mode of living and my ability to obtain credit for personal purposes. Ultimately the reporting of the account and violation ( XXXX ) has damaged my livelihood and my ability to grow in commerce using credit. To add, I never gave FL DEPARTMENT OF REVENUE written permissible consent to furnish private information to a public reporting agency. To conclude, can the reporting agency ( ies ) or FL DEPARTMENT OF REVENUE provide any documentation with my signature to prove otherwise? Can the credit reporting agency ( ies ) provide the initial contract with my wet ink signature that I, XXXX XXXX XXXX of the XXXX XXXX XXXX, Estate gave, delivered and or made to the FL DEPARTMENT OF REVENUE to participate in Title IV-D granted funds? Can the Credit Reporting Agency ( ies ) prove what is Child Support, is Child Support a loan? Or, a Credit Transaction? And, if so can the reporting agency ( ies ) or FL DEPARTMENT OF REVENUE provide what loan or credit transaction I made on behalf of the Estate? 
I, XXXX XXXX XXXX, XXXX of the XXXX XXXX XXXX, Estate have all rights to privacy. The consumer reporting agencies have a great responsibility to report accurate information to my consumer report and they must respect my privacy as a consumer. 

XXXX. The account is not accurate, facts to be are the payment information is not updated. This is to deliberately cause harm to the profile, based on FICO computation, the irregular reporting will automatically cause damage to the report. Which significant change which is harmful.

2. I have a cease and desist letter in effect with the FL DEPARTMENT OF REVENUE.
Consumer complaint received 2020-12-28
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. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My mortagage loan was recently transferred and closed with old mortgage lender. Transunion dropped my score XXXX points. Why, this was a transfer, was was this reporteded negatively. This damaged my credit tremendously.
Consumer complaint received 2020-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

Someone got into my bank account and changed my address. They made transfers from my sons linked account for {$5000.00}. They expedited a new ATM card to the new address. My savings was transferred to my checking they made XXXX withdraws for {$11000.00}.
Consumer complaint received 2021-06-10
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. (OH)

I received a postcard that stated I was included in a class action lawsuit against XXXX  because since XX/XX/2013, I received a Notice of Our Plan to Sell Property letter after my vehicle was repossessed, which had a vehicle sale date that contained the phrase on or after. 

The settlement was APPROVED by the Court and therefore ; XXXX is required to waive my deficiency balance and request that credit reporting agencies DELETE ALL trade lines associated with my account. 

Neither of these has been done.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There seems to be an identity theft going on my transunion credit report as someone is trying to apply for credit cards under my name using my SSN. There is XXXX unauthorized hard enquiries with the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
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. (CA)

I co-signed a loan for my son on or about XXXX, XXXX. I believe the amount was for {$16000.00}. XXXX last contacted me in writing on XX/XX/XXXX. It was dealing with XXXX, not payment of the loan. The last phone call from XXXX to me was on XX/XX/XXXX and indicated no co-payment was due at that time. 

Recently, without contacting me first to discuss the loan, XXXX reported to the credit agencies that I was in default on the loan, which was not true.My credit went from good to fair. We intend to move to a new apartment, but the reduction of my credit rating has stalled our move. 

XXXX MUST IMMEDIATELY REMOVE THE FALSE CREDIT ALLEGATIONS FROM THE CREDIT BUREAUS ' REPORTS. THEY HAVE LIBELED MY CREDIT AND CAUSED ME DAMAGE. 

Further, this loan is now terminated by the California XXXX XXXX XXXX, which is four years. XXXX has filed no lawsuit on the loan for more than four years after the last payment on the loan was made, and the loan is no longer enforceable. XXXX NEEDS TO IMMEDIATELY TERMINATE THE LOAN. 

Please call me if additional information is needed. Thank you for the help.
Consumer complaint received 2021-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

This is as follow-up claim to the claim I filed in XX/XX/XXXX ( # XXXX ). The resolution provided did not provide evidence of customer error. There is a 12 month gap in Mr. Coopers timeline. During those 12 months there was no issue with auto-pay. No intervention on my part in ending auto-pay. No bank changes. The company is not addressing this gap in timeline. They can not provide evidence that I canceled auto pay or set it up in correctly. Mr. Cooper was auto-debiting payments from my bank successfully from XX/XX/XXXX to XX/XX/XXXX. Then in XX/XX/XXXX they had an issue. Stating bank account numbers were transposed. However, they are noting no changes were made to my auto-pay between XX/XX/XXXX and XX/XX/XXXX. 

I sent a detailed follow-up email to the resolution specialist on XX/XX/XXXX with questions addressing this gap. Mr. Cooper did not address these questions nor the gap in dates. They did not provide evidence of customer error. They basically submitted the same response they initially provided.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Company was asked on multiple occasions over past year to update and remove fraudulent accounts. Company refused on many occasions for run FCRA standard reports and continued to report inaccurate data. Company denied investigations when provided with correct information. Company did not investigate or confirm any information as previously stated. Attached is XXXX file that shows all the accounts company claimed to verify at FCRA standard do not exist.