davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX after numerous challenges including producting the payment history which showed no payments over 30 days past due, Transunion finally updated my credit report. This specifically deals with the way XXXX XXXX is reported. After over a period of at least 60 days, Transunion willfully and intentionally re-added XXXX late pays that I have been disputing for at least one year. I have produced payment history 's hired an attorney disputed it and disputed it now and again and again. Unfortunately, Transuion never gave written notice of the re-insertion of negative information of my report and as a result is in violation of applicable Federal and/or State Law including FCRA, FASTA, and any and all other laws. I am asking that you intervene and ask Transunion to remove all late pays as they have payment history 's in their file and further make clear to them that they can not re-add negative information to a credit report without notice to me. I have reviewed all letters from Transunion and can find no communication regarding this. Again, this violates Federal and/or State Law and means the negative reporting that they re-added must be removed immediately or they are subject to suit. If they should fail to remove it I am asking that the FTC and the CPRB immediately file an injunction against Transunion prohibiting this conduct not only on my report but on any credit report. This is outrageous that they are willfully and intenionally violating federal law even though I have told them this numerous times. 

If you need any other documents such as credit reports please let me know. I have them all. 
Thank You
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-05-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (NJ)

I am in the process of buying a home and will be making several high debit charges for money orders and certified checks. I contacted Ally to increase my debit card balance. I was told by a representative that a request would have to be submitted and that the review takes 3 business days. Also, I was told that this increase would be temporary and that the debit card increase, if approved, would only last 3 days. This is problematic because the XXXX debit will be 7 days away from the XXXX debit. This policy will likely result in me not having access to my funds and will delay my closing which in turn will cost additional expenses for me.
Consumer complaint received 2016-10-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am filing this complaint against Bank of America in XXXX XXXX, California. 

Yesterday I went to the branch to place my wife 's automobile title into our safe deposit box. A bank manager led me into the vault where we both discovered my box drilled open and my documents and cash removed from the box ( see attached photos ). There were XXXX bank employees in the vault with several plastic bags holding documents from other customers ' boxes. I asked where my documents were and they produced a sealed plastic bag with my documents and cash inside. I asked why they removed my documents from the box and they initially said that it was due to non-payment of the box fees. Then they changed their story and said that they did it because they did not have all my wife 's information. I asked what would have happened had I not shown up to discover this. They answered that they were going to send all the contents to a " holding facility ''. The bank manager who led me into the vault was as surprised as I was. The XXXX employees seemed surprised as well. I said : " Let me get the straight. I come in here to find my personal documents and thousands of dollars in foreign currency removed from my safe deposit box. You have my phone number, my email, my BOA account on your website, and you could not contact me? Had I come in tomorrow all my personal belongings would have been gone. '' My question is : Is this legal? I never received any notice of delinquent fees, nor any notice of my wife 's information being incomplete. They have my physical address, email, my phone number. I use the ATM at the branch weekly. They could have blocked my use and sent me a message to see a bank officer. 

I feel that our privacy has been violated. Among the many sensitive documents in the box, the documents included our marriage license, my wife 's Social Security Card, our parents ' living wills, our Pre-Marriage Agreement and our birthdates and social security numbers. To me this is a direct violation of the trust agreement between us and Bank of America.
Consumer complaint received 2024-09-09
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: EQUIFAX, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove the inquiries that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumerXXXXXXXX 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 XXXXXX/XX/year>
Consumer complaint received 2017-11-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: IQOR US INC (FL)

The alleged company Allied Interstate, LLC is calling me every single day for months. They call XXXX times a day and as early as XXXX and as late as XXXX. They have called me during job interviews. They never leave a message and are basically harassing me. I told them I think it is illegal to call that many times DAILY, but they said nothing. I have lost my job, I struggle with health issues and I can not pay the loan payments right now and I told them that. I will as soon as I can. PLEASE make them stop harassing me.
Consumer complaint received 2017-09-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I disputed the accuracy of 4 public records listed on my credit report in XXXX 2017 with XXXX, Experian, and XXXX. All 3 companies reported back to me that the information was verified and to check with the creditor reporting the items. I contacted the listed Courts for all 4 public records to get information about their verification process and they informed me that they do not and did not supply public record informaiton to credit bureaus and did not verify any information with any credit reporting companies. I then contacted all 3 credit bureaus again and requested the manner of verification, specifically asking for names and phone numbers of the individuals that verified the information. As well I informed them of the information that I received from the Courts. XXXX responded that the information was verified. XXXX responded that they received the information from a third party - XXXX XXXX. Experian did not respond to my letter. 

Through these actions the 3 credit bureaus are committing fraud by reporting information that is not accurate. XXXX  has admitted to it by saying that they received the information from XXXX XXXX. They have not updated by credit file to reflect that information. 

I have a right under the FCRA to have accurate information reported at all times and to have inaccurate information removed immediately. I am now going to file small claims actions.
Consumer complaint received 2017-11-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO (CA)

Sometime in XX/XX/XXXX, I was contacted by XXXX XXXX via U.S. mail offering a home refinance using the VA IRRRL program. The final discussion between the two of us was that the refinance will be done thru Mortgage Solutions of Colorado. On XX/XX/XXXX Mortgage Solutions emailed me a Closing Disclosure. I did not agree to the monthly mortgage amount so I called XXXX and told him that I did not like the amount. On XX/XX/XXXX Mortgage Solutions emailed me another Closing Disclosure with a smaller monthly mortgage. My wife and I signed that Closing Disclosure. On XX/XX/XXXX XXXX emailed me a copy of the same Closing Disclosure that my wife and I signed. 

In XX/XX/XXXX, I received a mail from Mortgage Solutions increasing my monthly mortgage plus a shortage amount for the duration of the home loan. 

In XX/XX/XXXX, I found out from XXXX that Mortgage Solutions did not impound my homeowners insurance which led to XXXX cancelling the insurance that I purchased. Because of the lapse in the in the insurance dates, my homeowners insurance went up. 

The reason I refinanced is to have a lower monthly mortgage. My monthly mortgage is much higher now and it went up further because of increase in homeowners insurance. 

I think that Mortgage Solutions played with the numbers in order to gain my business initially. They should also be responsible for the increase in my homeowners insurance. 

I have referred this problem to another government agency. They were not able to help me and referred me to your office. 

Sincerely, XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX, CA XXXX ( XXXX ) XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Mortgage Solutions of Colorado XXXX XXXX XXXX. 
XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

Lexington law charged me twice at XXXX and still has provided no results in 2016 had service. I beieve in XX/XX/XXXX XX/XX/XXXX.
Consumer complaint received 2017-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (SC)

I became XXXX unable to make the full amount of my mortgage payment ton XXXX I was not assisted with any loss mitigation application.The mortgage went into foreclosure XX/XX/XXXX. The attorney said, I was served a Notice of Foreclosure Intervention. I was not severed a notice. I applied for a short sale and sent all requested information. I was not denied or accepted. The mortgage was sold while in the process of evaluation for the short sale. The mortgage was brought on XX/XX/XXXX by Caliber Homes as server XXXX as owner. They failed to assist me with a loss mitigation program until XX/XX/XXXX when the mortgage went into final foreclosure. Now they have added {$9000.00} in interest {$45000.00} in attorney 's fees to total {$250000.00}. They want me to pay that as a loss mitigation. I know I am unable to qualify for this loan. The Judge have approved these figures. I have until XX/XX/XXXX to pay.
Consumer complaint received 2016-10-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Prosper Marketplace, Inc. (FL)

I received an XXXX loan from prosper marketplaces. I paid it off in the month of XXXX 2016. In XXXX of 2016 I receive a late payment notice on my credit report. I immediately contacted Prosper and spoke to an XXXX with customer service. XXXX stated that my loan had been paid off and closed but my account was never closed. I was never told an account was opened and never asked for one. XXXX said the account does not generate fees but my credit report shows that the account requires a {$35.00} monthly fee.
Consumer complaint received 2016-10-12
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (AR)

Debt firm purchased medical debt for pennies on the dollar, got a judgment, let the account sit dormant until about a year and a half near end of the 10 year statute for a judgment, are trying to garnish my wages. 
I called the firm and asked if I could settle it for a lump sum and they refused, stating they are n't allowed to settle medical debt. I asked why she said, " We do n't write the law so I dont know '' I called the Collection firm who placed it with the Attorney and they also refused to settle, stating they wanted every penny from me. All of this and I find out the hospital wrote the debt off -- {$2000.00} so I 'm assuming the firm paid maybe {$500.00}, and are now forcing me to pay {$5000.00} to them through garnishment without consideration of a lump sump payment of a lesser amount. Where is the CFPB when you need them???
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the creditor ( XXXX ) and the credit reporting agency ( TransUnion ), I 've waited XXXX days for my XXXX account information to update and report. As of today 's date this information is still not appearing on my credit report.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

I have called Equifax numerous times to have hard inquiries that were not mine removed off my credit report. I have requested signed applications of proof of the inquiries posted to my credit report on XX/XX/2016 and XX/XX/2016 by certified mail. All investigations returned back to me case closed with no signed evidence that I applied for the credit. I have also sent a certified, notarized letter to Equifax on XX/XX/2016 requesting proof of inquiries or they must remove the hard inquiries. The certified tracking numbers are USPS XXXX. This will be my 3rd certified letter over 5 months trying to get this matter resolved. There has been a fraud alert placed on my report due to the invalid inquiries.
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I 've contacted XXXX and the 3 major credit reporting agencies several times in an attempt to have incorrect information updated. XXXX has added and removed balances only to add them again. Proper notice was n't given when this was done. They were unable to provide me with the necessary documentation proving that I was actually late making a payment when I asked within the legal timeframe. They 're also reporting inaccurate information about my payment history to both of my XXXX accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have the correct contact information and I was not able to be notified about extending my forbearance. An extension was granted, but they still reported late payments during a period when no payment was due XXXX XXXXXXXX XXXX and XXXX XXXX ). I respectively ask that the late from XXXX XXXX to XXXX XXXX be removed and set to current. As soon as I contacted XXXX they notified me that my loans were in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting practices.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account was taken over by XXXX. Credit history showed account in good standing from XX/XX/XXXX through XX/XX/XXXX. In XX/XX/XXXX the account was reported to the credit bureaus as 90 days late. No information was reported in XX/XX/XXXX, and account showed current in XX/XX/XXXX. It is impossible that there could be a delinquency of 90 days in a month of 31 days. There was a minor delinquency that was caused by a payment going to the old servicer instead of the new, but a forbearance was granted retroactive to the first day of the delinquency, which negates the delinquency. I have attempted to have the item removed but have been unsuccessful.
Consumer complaint received 2017-02-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: MOHELA (CA)

Hello. Our daughters Private student loans are being uncooperative as to extra fees, taking parents off as co-signers and ability to consolidate loans for better rate equals saving and lower, payments. We have asked repeatedly. They also call repeatedly harassing us at our home which is illegal. Lenders are XXXX XXXX and Mohela..these loans are from 2006 it 's time that this is paid off and matter closed. Our daughter needs her life back so do we. 
XXXX XXXX XXXX
Consumer complaint received 2016-10-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RGS Financial, Inc. (NY)

This debt has been paid directly to XXXX since 2012 and they never updated their system and sent this debt RGS financial. I do not owe this amount to XXXX XXXX and want this removed from my credit report.
Consumer complaint received 2017-02-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IN)

I have applied more than 5 times over the years for a refinance. I 've Never gotten to speak to a person who XXXX. I 've been denied a lower interest rate from XXXX percent. I filed a complaint with the Indiana Atty. generals office and a representative from Ocwen denied I applied for a refinance. They placed me in foreclosure proceedings and chagred me a fortune for their atty. fees.
Consumer complaint received 2016-10-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I filed a compliant with the CFPB in XXXX XXXX on Bank of America 's handling of paying the liens and fees assessed by my Home Owners ' Association. I am now filing a new compliant based on the fabricated and fraudulent information Bank of America provided the CFPB and Florida Attorney General. Bank of America fabricated a letter dated XXXX XXXX, XXXX. This is a completely fraudulent letter that was created for the Florida Attorney General. The date does not even correspond with the situation that was at hand ( see court document for lien ). Due to the mishandling of the lien and fees, I did n't pay my mortgage for XXXX and XXXX XXXX based upon the statements that were made in court on XXXX XXXX, XXXX. My concern is Bank of America 's ability to create fraudulent documentation/information in a effort to say that they did not improperly handle the situation.
Consumer complaint received 2017-02-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have been working with Bank Of America since 2010, first trying to get a XXXX Loan Modification for my mortgage, then, most recently, trying to complete a Short Sale. I was denied a XXXX Loan Modification because the Bank claimed that my so-called " Back End Debt to Income Ratio '' was over 55 %. This was patently false, and I calculated that Ratio to be 32.01 %, well under the 55 % threshold. But the Bank would n't listen. Years later, they insisted that I now do a Short Sale on my house. Well, I have a buyer, and BOA accepted the buyer 's bid, but now XXXX is blocking the Short Sale, insisting on full foreclosure proceedings. XXXX Case Number XXXX.
Consumer complaint received 2017-12-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (NY)

Account information ITEM DESCRIPTION RESULTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX # XXXX DISPUTED This agency never contacted me before placing this on my credit report. I found out about this because my credit score shot down 62 points, so I went to check my credit report that 's how I found out. I received no phone calls and no notices what so ever. 

I call this agency and explained to them that this was never my account on XXXX,17. I  also called XXXX, on that same day, I was connected to the financing services department she looked in my account and stated that in my account it says all previous balances paid in full. She then connected me to the credit recovery department and they stated that it was nothing they could do about it, because XXXX, had already sold it to a third party. The Representative then said that they could not send out a notice stating that the account was paid in full, because it was something still on the account. 

She told me that I could call the third-party and asked them to send the file back, so they could investigate why it was sold. She said Because at this time she cant see anything in the file because the third-party has that information. 

I called XXXX XXXX XXXX, back and explain to them what XXXX, representative had said. They told me that they have no more information, other than what XXXX gave them which is : my name address, Social Security number and how much I owed. And then said, what they would do is contact XXXX, and tell them the file in question, has been disputed and that would give XXXX more time to find out what happened, meanwhile after the results from XXXX, from my complaint nothing has changed they claim they had verifiable information I find that strange, being that I have not received any verifiable information as yet.