davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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. (VA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$10.00}, XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2021-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (ND)

For months i have tried to contact Midland credit regarding a credit card that was taken out in my name. I do not have a credit card, nor is this debt mine. The collections needs to be removed from my credit report. This is NOT my debt. I did not have nor do i have any credit cards, nor have I. I would like this false debt removed from my credit report ASAP
Consumer complaint received 2022-01-29
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: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-05
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. (CO)

I recently applied for a mortgage, and as part of that process my bank ( XXXX XXXX XXXX ) checked my credit with Experian. After that I started receiving about 5 calls a day from mortgage companies I never contacted. I engaged with a couple and all of them told my they were sold my name, phone number, and address by Experian as a lead. I never consented to Experian sharing my information. Some of them were predatory with suggestions that I had filled out an application with them.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (MD)

I am distressed that you have included DEPTEDNELNET information in my credit profile on XX/XX/2013 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

I demand that the following account be verified or removed immediately : Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Thank you,
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My name is XXXX XXXX and I would like to understand why? it takes seven days to clear a check. First, let me start to explain as to what has happened. On XX/XX/2021, I deposited a check into my Bank of AmericaXXXX Small business account. The check was issued by XXXX XXXX XXXX, their endorser of their check is XXXX XXXX XXXX.  When I made the deposit, I asked the clerk, will the check clear by tomorrow? He said to me, there was NO Holds on the check. Then by XXXX the same day, I am getting a notification from Bank of America , that the check will be placed on a 7-day hold. The next morning on XX/XX/2021, I spent two hours on the phone trying to find out as to why the hold was set in place. I finally get the answer to my question when I spoke with a XXXX XXXXXXXX Check Verification Specialist who stated to me that XXXX XXXX found issues with the check, but wont clarify as to what issues there were. Then I contacted XXXX XXXX XXXX  I spoke with a young lady by the name of XXXX XXXX. I sent her a copy of the check and she even try to speak with a Bank of America representative, but she couldnt get through. XXXX XXXX could have easily verified the check, but nobody on my bank side could even answer the call. Plus, she said to me based on her computer system on her side she sees NO issues with the check. But yet still I have to wait 7-days, No, I dont think so. I believe the Bank of America should make this up to me by joining me tomorrow on a telephone conference with myself and XXXX XXXX at XXXX EST tomorrow. So, I can have some type of resolution to this problem. I am looking forward to hearing from one of your representative tomorrow at XXXX.
Consumer complaint received 2022-01-05
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: Adler Wallach & Associates, Inc. (CA)

XXXX XXXX XXXX contacted me by phone and mail attempting to collect a debt I never agreed or contracted to pay. The calls were harassing aggressive and very threatening. I explained to them then I never agreed or contracted to pay on this debt. After non stop harassing calls I sent in a debt validation letter in didn't receive a response. After months of no response I sent in another debt validation letter and still have yet to receive a response. They started to report negative and defaming information on my credit report as XX/XX/2017. After reporting negatively on my consumers report, they sold the debt to another company ( AWA COLLECTIONS ) who is now reporting negative and defaming information on my account.This company is reaching out to me to collect on this same date I never agreed or contracted to pay.I have sent a debt validation letter to this company as well and they never responded to my request. Since they have never supplied me with sufficient information in order to validate this debt, I don't not feel like my account was handled with accuracy and/or integrity. Therefore, with respect, I am challenging the accuracy and integrity of this information. 
12 CFR 1022.41stateXXXX ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : XXXX ) Reflects the terms of and liability for the account or other relationship ; ( XXXX ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( XXXX ) Identifies the appropriate consumer. 

12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( XXXX ) Is substantiated by the furnisher 's records at the time it is furnished ; ( XXXX ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( XXXX ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 

Due to the number of inaccuracies with this account which I have highlighted in the image below in the attachment section I know this debt is a mistake and shows this account was not handled with accuracy or integrity. Please remove this account from my consumers report. Due to the inaccuracies of this account I have been denied loans I would have been approved for had this account been handled with accuracy and integrity. This has caused me sleepless nights, stress and really bad anxiety.
Consumer complaint received 2019-11-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I received a letter dated XX/XX/19 that I was in default on my loan. I was shocked because I pay my mortgage monthly through my bank. I don't receive statements and had been having trouble logging into my account online, so I called. 
Apparently, with no notice, they increased my payment and have never to this day sent me a statement. They say I can't have online access to my account because I filed for bankruptcy over 8 years ago. What? 
So I told them the only thing I received was the letter. Now it is XX/XX/XXXX, and still have not received a statement. And they are still denying me access to my account online. 
Their phone service does not have automated account information. I am not allowed to make personal calls while I am at work and by the time I get off, they are closed because they are in Illinois. 
What does having online access have to do with bankruptcy? I just want to stay current on my account and make sure I know when the payment changes. Why did they wait so long to contact me? 
This is not the company I started with. They took over my lone from XXXX last year. And when that first happened, I was able to log in online. Then eventually I was denied access with no notification. I emailed customer support several times and THEY NEVER responded. How is denying me online access because of a bankruptcy a thing? It's a tool to make sure I know what's going on with my account.
Consumer complaint received 2022-01-29
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)

After reviewing my credit report, I am dissatisfied to see the following items that are still showing up in there, despite the fact that I have informed you that they are inaccurate and detrimental to my credit score, and they can still be seen in there, which is causing me to become increasingly irritated.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was charged {$190.00} or a freezer I did not order that was delivered by XXXX to someone I do not know at an address I have never been to. I filed a notice of fraud with Bank of America but they concluded the charge was consistent with my transactions. I appealed the decision by going to the bank personally but all the manger did was call the credit card fraud line even though I provided a document showing the delivery occurred to an address amount XXXX miles from my home. It is true that I purchase merchandise from XXXX but this hardly seems like a reasonable explanation for denying a fraud claim.
Consumer complaint received 2022-01-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tower Loan of Mississippi, Inc. (MS)

TOWER LOAN has been harassing I, XXXX XXXX, the consumer about an alleged debt. I asked TOWER LOAN to send me validation of the alleged debt and to send me the correct amount owed. TOWER LOAN refused to send validation information. TOWER LOAN sent me a description of payments that were made. TOWER LOAN also garnished my paycheck which is against the law. I also asked TOWER LOAN to stop contacting me and I am still being contacted. TOWER LOAN has been providing false information to the credit reporting agencies. TOWER LOAN provided a document with false information on the document. TOWER LOAN said I made payment to the company in 2021, which is false. TOWER LOAN has violated my consumer rights.
Consumer complaint received 2021-02-11
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. (TX)

I sent a dispute letter to the credit bureaus and haven't heard anything from them. I've given them ample time but did not inform me of their investigation results. I'd like to get this information to see why the bureaus are reporting a few things differently and failed to support such reporting. 
The accounts - XXXX XXXX XXXX XXXX XXXX Account Number : XXXX****, XXXX XXXX Account Number : XXXX****, XXXX. XXXX Account Number : XXXX**** were reported on my credit report and send disputes but failed to respond and with no proof of responsibility.
Consumer complaint received 2022-01-29
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)

I received a 100 % VA XXXX XXXX XXXXXXXX XXXX determination XX/XX/XXXX with an effective date of XX/XX/XXXX. After which I applied and was approved for a XXXX XXXX XXXX XXXX discharge  ( TPD ) of my student loan debts through the XXXX discharge office of The US Department of Education as of late XXXX. The credit report states the student loans as paid after I disputed/updated with each reporting agency. However, I needed a letter from the loan servicer stating that the derogatory information related to these loans should be removed. On XX/XX/XXXX, I contacted the department that I'd originally applied for the discharge through, and was told that I needed to contact the US Department of Education Resolution Group for the letter. When I called the first time and explained what I needed the representative said he would email the letter to me. However what I received didn't state that the derogatory information needed to be removed from my credit reports. I called a second time and spoke to a supervisor ( XXXX XXXX at approx. XXXX. The supervisor told me that my accounts were reported as discharged due to VA XXXX and therefore did not qualify for credit report removal. He also stated that a normal XXXX discharge would remove the derogatory information, but that my account wasn't reported through the XXXX department. I submitted all forms and provided all documentation required to the XXXX department during the application process and believe there to be an error or misunderstanding regarding my student loan discharge and credit reporting.
Consumer complaint received 2022-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

I was in the forbearance plan program and before finishing they sent me a contract with all the details and the day that the payment was supposed to be resumed and I signed it and sent it, then the bank called me telling me that I could not continue with what What the contract said why I did not pay in XXXX and the very clear contract says that to start the plan the first payment would be in XXXX and before they sent me the contract a bank employee told me that my payment started in XXXX because they needed a month to do the paperwork and the contract says the same thing, I am trying to make them comply with the contract as I fulfilled and it has not been resolved I made the payment in XXXX and I still continue trying to fix the problem I call every day and talk with them and they look for more things not to worry about, I'm tired of trying to end this. thank you
Consumer complaint received 2022-01-05
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC (IL)

XXXX, XXXX Mortgagee got Judgment against me for RE taxes paid by them. Sheriff 's Sale set for XXXX, XXXX but cancelled by agreement for " Tax Default Repayment Plan '' booked on XXXX. Typo on doc said first payment due XXXX, 15 days before XXXX went into effect = 15 days Past Due on Day 1. I paid XXXX payment XXXX which I was told was to prepay the XXXX XXXX payment ( see their report ). I paid my next payment on XX/XX/XXXX and the first week of every month thereafter in the first week when I received my Social Security ( I am XXXX ). I called at the beginning of XXXX, XXXX and made my monthly payment by debit card. Two weeks later, I received a check back saying my loan was in default and they would not accept any future payments. I called and asked to speak with a Supervisor and was refused. Every month I had asked to have a Supervisor review my payment status but was always told no one was available. ( They say they record every call so I can back up my request ). This could all have been avoided by a simple one-sentence agreement revising the date the first payment was due. On XX/XX/XXXX, I received a notice of a Sheriff 's Sale on XX/XX/XXXX, XXXX 2 weeks notice. There was NO SUMMONS, COMPLAINT, HEARING ON JUDGMENT .based on my delinquency on payments they REFUSED to accept. Mortgagee was high bidder. I am now Objecting to court approval of the sale on XXXX.
Consumer complaint received 2022-01-04
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. (LA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2019-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

No Customer Service provided. Have phone several times to their ( XXXX ) XXXX Customer Relations Department, also to their " Residential Asset Manager '' Ms. XXXX XXXX, phone ( XXXX ) XXXX. 
On both cases left messages and nobody return the calls. 
Have told them that we need to move the due date, because our Social Security monthly payments don't arrive until last week of each month ... ..Deaf ears..!! 
Got the impression that instead of helping their customers, they do want to keep collecting " Past Due Fees ''. 
We are senior citizens. My wife XXXX is XXXX and I'm XXXX years old. 

On another subject, they did send us a letter, dated XXXX XXXX ' 2019, asking us that we need to send them proof of Homeowner 's Insurance. They did provide us with a website : XXXX XXXX XXXX, so that we can up-load our Insurance information, as we did on XXXX XXXX ' 2019, as shown by the reply we did receive from such enterprise saying : " Successful Save '' ... .Your Insurance data was saved. 
Now recently, we did receive another letter dated XXXX ' 2019 telling us that " This is the Second and final notice '' to provide the Proof of Insurance ...!!! 

Also, because of our complaints in writing, we received a letter dated XXXX XXXX, signed by XXXX XXXX at Customer Support Department, telling us that they have tried to contact us several times ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
We are close to our phone ALL day long and IF we go out, the phone line is transferred to our cellular phone, so we DOUBT very seriously of their words in writing, as expressed on their letter..!!