davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-23
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. (OH)

Hello. I've reached out about accounts on my report that are illegally being reported. These accounts include negative or adverse information that I am requesting be permanently remove the following companies, XXXX, XXXX and TRANSUNION have failed to provide me with the contracts with my signature to verify that the these accounts belong to me. 

Closed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-30
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lending Club Corp (SC)

I called today to make this company aware that I have had a personal emergency occur and that while projecting my budget out over the upcoming few months taking into account this emergency, I can foresee having challenges meeting the monthly amounts. I asked if there was a way to reduce the interest, refinance the loan, or restructure, even if only temporarily, the loan. I was told no and worse yet, offered few to almost no options. I asked what the company did for people having trouble paying. I was told short of adding an additional $ XXXX to a new loan ( while paying off the current ) and hoping I could score a lower interest rate with the new loan without guarantee, the only other option was to defer one month 's payment in the current loan, and suffer an 'internal late fee. ' I am proactively trying to work with ALL of my creditors, my mortgage company included, in letting all know I am meeting with hardship. I am letting all know two months out before I believe I will be hitting this wall I see myself approaching. I am also a single-income household which makes this all the scarier. Why then, would they not work with me? Can I be the only person experiencing this with Lending Club? Not one time did I suggest walking away from this obligation. At a 25.9 % interest rate and knowing what I know now, I never would have entered into this agreement with Lending Club. I question whether their tactics and practices are even legal.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been refused by ( XXXX ) creditors to submit a letter to me to remove an unauthorized " Hard Inquir '' on my Transunion Credit Report & gt ; The ( 2 ) are : 1. XXXX - Unauthorized Inquiry on XXXX XXXX, 2016 2. XXXX XXXX - Unauthorized Inquiry on XXXX XXXX, 2016. 
These need to be removed from my Transunion Credit Report ( Only Agency where this occurred ) My Contact Info : XXXX XXXX - Phone # XXXX E-Mail : XXXX Please reply at your earliest convenience. Thank you.
Consumer complaint received 2016-06-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding targeted me by some how seeing that i was trying to buy a home. The day after my credit was pulled by my mortgage company they placed XXXX balances on my credit in attempts to drop my mid score. They listed fake dates, balances, payment history and that it was in reviewing status or " DISPUTED '' even though I had never even received a right to dispute. THEY WERE BEGGED REPEATEDLY to correct this and, even once given the opportunity to prevent this complaint, begged for this complaint be filed. They refused to provide me any of the information necessary to validate or substantiate this claim and failed to do so. I stand to lose XXXX in Ernst Money and they laughed as they continue to report with intent DEFRAUD ME OF MY RIGHT TO PEACE.
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (UT)

My Bank ( Key Bank ) gave money to a person claiming to be me at the teller window. They said the transaction was " authenticated '' ( Bank Speak for had Proper Documentation?? ). When I discovered the error I asked for my money back. However, they were not willing to return it. The amount in question is {$940.00} ( document attached ).
Consumer complaint received 2016-06-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

This is not a duplicate complaint and new concerns are being expressed. PennyMac loan services has failed to respond to my complaint regarding the escrow issues regarding my loan account. My county taxes have decreased and are included in my loan payment. When my account was serviced by XXXX XXXX XXXX I never had issues with escrow shortages as my taxes are included in the mortgage payment. During a telephone call with PennyMac Loan services the representative admitted that they underpaid for taxes which created an escrow shortage. The company is engaging in practices that violate RESPA but increasing my mortgage payment due to their mistake. Additionally, I previously filed a complaint against them and they did not respond to my QWR request pursuant to RESPA. Most important, I have left numerous messages for XXXX XXXX and she has refused to contact me regarding my account. Moreover, PennyMac 's escrow department has been closed and representatives are unavailable to address my concerns. The CFPB should be investigating this company for not having representatives available to respond to my concerns. 

I have provided the company with proof that my XXXX 2016 payment was not applied and they have adversely reported my loan late. All of their prior response letters do not address this concern. 
I have contacted a real estate attorney and going to file a lawsuit in federal court as my damages are in excess of {$75000.00}.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I had paid my auto loan on time, and in full according to the terms and conditions of the loan. However, at the time of occurrence, this auto loan was being paid by a business, that I helped start, and managed. After sometime, I decided to part ways with my partner, and decided to leave the business. While I was doing my due diligence to transfer all of my business expenses, from my old business account, into my new business account, my old partner got upset, and decided to contact XXXX XXXX to notify about me not being authorized to pay this account from our business account, so XXXX without investigation and validations returned all of the payment that I made for the car. Soon thereafter I called them to complaint and to resolve this issue, but nothing was done. This forced me to take XXXX to court for not property investigating the payment, and notifying me since I was the the personal guarantee of this account. I have explained this to the CRAs, and I have also provided statements, validation my claim. I am currently being denied my XXXX mortgage license due to this issue. Without this license I wont be able to work, thus feed my family. Please help me.
Consumer complaint received 2016-06-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was behind on my car note with capital one around XXXX 2016 or so. I was about 2 months behind or so. I called capital one & ask if I could defer a payment, I worked mostly on commission so my income had dropped drastically. The agent at capital one said there is no deferment program, the agent said there is a fresh start program for me. I believe I owed capital one about $ XXXX- {$1100.00} which was the total of 2months behind & the payment that was due for the month. The agent said we can enroll you in the fresh start program the past due amount goes down by XXXX % to {$730.00} & they gave me another 2weeks or so to make the payment. The next 3 payments after that goes up XXXX % more which was, I believe about {$570.00} or $ XXXX month. My regular car note was $ XXXX month. They told me by doing this, my credit report will not show late, by agreeing to the fresh start program my account will be current. That was the only reason I agreed to the program. I did not like the fact that for 3months I had to pay XXXX % more each month instead of paying my regular car note {$390.00} I was paying {$570.00} but I said as long as it shows no late, that ok. Then just by chance I happen to check my credit report to my complete & utter shock, it showed late for 2months. I called capital one, I said you have reported me late for 2months when I was in your fresh start program, you told me you would not report me late. I spoke with a agent & a manager on the phone, they looked at everything & they said the fresh start is too work out a payment plan, it still will show late, I told the reps at capital one, I was deceived, they fooled & tricked me into getting into this program. Why is it called the fresh start program? It is a misrepresentation & a attempt to deceive. There is no fresh start here, if they would have told me my credit would be damaged, I would have came up with the extra {$300.00} to {$400.00} needed to get caught back up & then just pay my {$390.00} a month. I could not believe that they would say one thing & then do another. I felt like the facts was totally misrepresented here & it was not explain so I could understand it. It was very confusing, there is no way the least sophiscated consumer understands what they are signing up for. Please look into this. Thank you
Consumer complaint received 2016-06-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (WI)

I received a call from Quicken Loan saying our escrow account was deficient {$1100.00} plus and we needed to pay it. The reason they gave did not make sense - that our escrow account was short that amount because our home owners insurance went up {$100.00} annually. We told them that did n't make sense and that our real estate taxes went down approx {$200.00} which would more then make up for it. Besides they had already paid the taxes in full in XXXX 2015 which we reminded them of. I explained to them that there were 2 options on how to pay - a total payment due in XXXX which they did or 2 installment payments one in XXXX and one in XXXX and it looked like they thought the XXXX installment needed to be added to the full amount they already paid. They could n't wrap their heads around this, insisted we had to be wrong but said they would check and get back to us. 

One week or so later they called with good news that they figured out what happened and of course it was what we had told them in the first place but now we only needed to pay approx {$300.00} plus for the escrow shortage which still did n't make sense but I 'm exhausted because we are going through an incredibly hard time in our lives and I agreed to what was offered to me which was to divide the amount up over 12 months. I 'm thinking I would address this later after things settled down for us. After that I received a call from a debt collector and I reported this to Quicken and they were very sorry and that should not have happened but they would take care of it. Next a statement or a phone call saying there was a {$23.00} late fee. I called Quicken and again sorry and they would reverse that fee. Another call from the debt collector - reported this to Quicken as well. 

Then they told me I was not making my payments on time. When we first started paying on this loan the due date of the XXXX came before my husbands soc sec check so we figured out together, Quicken and myself when it could be paid and still be in the grace period. This was their recommendation. And so it went until this bizarre call about our escrow account being short way back at the beginning of our complaint. On Apr XXXX my husbands XXXX died. On XXXX XXXX his XXXX died. On XXXX XXXX my XXXX died and on XXXX XXXX while we were at the funeral we got word my XXXX died. On Tues XXXX XXXX after returning from my XXXX funeral I opened a statement from Quicken showing an escrow shortage of {$530.00}. I called them and am waiting for a call back. 

Somewhere in these phone calls I asked if we could handle our own escrow. Because it is a FHA Gov. loan we have no choice but to escrow through Quicken. The only way for us to do our own escrow is to refinance into a conventional loan. 

You ca n't make this stuff up!!!! I feel they need to first fix this, then apologize and then compensate us for this entire matter that should not have happened in the first place. Included in this complaint is also a claim of harassment which needs to be addressed as well.
Consumer complaint received 2024-11-23
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. (OH)

I got an alert on my Transunion credit report stating I opened a new account with XXXX XXXX. I have not opened any accounts with XXXX XXXX. It dropped my XXXX XXXX XXXX points and I need this off my credit immediately. I am trying to buy a home and this has affected me greatly.
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Worked with attorney and debt collector to resolve an erroneous debt collection action resulting from cancellation of a cell phone contract in XXXX pursuant to the Servicemember 's Civil Relief Act/the terms of the contract. The debt collector verified that the debt was erroneous and notified my attorney of the same. The debt disappeared from all XXXX of my credit card reports but has since reappeared. The process of disputing the erroneous information on each individual credit report ( XXXX, XXXX and, TransUnion ) is unduly onerous and time consuming. I would like the CFPB 's help with cleaning up my credit report permanently. Further, I believe other Soldier 's may be similarly situated and the CFPB should track this company for other complaints.
Consumer complaint received 2024-11-23
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. (NY)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report. As a victim of identity theft resulting from a data breach, I did not authorize or open the accounts or make the inquiries listed below.

In accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts and inquiries be removed from my credit report promptly. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-30
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BBVA FINANCIAL CORPORATION (AL)

Called BBVA Compass mortgage officer on or about XXXX XXXX, 2016. Explained that I had been approved for an FHA loan of {$150000.00}, but could not continue the loan because the main component ( XXXX Step Up Program-down payment assistance ) could not go forward because my estranged husband ( foreign country ) needed to sign a statement as to his income even though federal taxes had be filed stating a XXXX income. Because the purchaser was not able to get that statement, the loan had to be withdrawn. 

BBVA Compass has a community investment loan program ( Home Ownership Made Easier ) where a down payment assistance is offered and closing costs included in the loan. The seller had agreed to pay {$6300.00} of closing costs. I was assured by the mortgage officer at BBVA Compass that I did not need to get my estranged husband 's statement of income nor an o.k. to approve the loan. I also stated to him that I had applied with BBVA Compass about a month ago and denied because errors were discovered on my credit report that since had been removed. He pulled my credit while on the phone and stated that the credit scores were great and that my debt to income ratios were fine. He explained that the debt to income ratio was XXXX % ( purchaser is at XXXX % ). The application was completed and documents ( bank statements, homeowner 's insurance, flood insurance, etc. ) were submitted right away. My realtor was able to get an extension on the closing to XXXX XXXX, 2016, as the BBVA mortgage officer stated he could have the loan completed XX/XX/XXXX. 

On Monday, XXXX XXXX, 2016, I spoke with the loan processor for the first time and did not get a good feeling about this person because he asked about my estranged husband. Nevertheless, my realtor stated that the mortgage officer just yesterday, XXXX XXXX, 2016 stated that the loan was going o.k. But, this morning, purchaser received an e-mail action notice to sign documents from the processor and was shocked to receive a Denial Notice which is attached. Both reasons stated are bogus. Purchaser has no excess obligations. In fact, my expenses are : {$870.00} rent plus {$56.00} water/sewer ; {$230.00} car payment ; XXXX private student loans in deferment ( {$37.00} and {$37.00} once deferment ends ) ; {$25.00} payment on student loan ; and a {$500.00} line of credit that has been paid down to {$380.00} and can be paid off. All federal student loans have been consolidated and are in IBR with a {$0.00} payment. Purchaser is assuming that BBVA Compass is using the XXXX % of balance calculation for the consolidated federal student loans when, in fact, there is a {$0.00} payment on the credit report and statement. This is a community investment loan program, and I have not been evaluated properly. 

For some unknown reason, purchaser is finding it very difficult to get a home loan in the state of XXXX. Purchaser has purchased in the past several homes in XXXX without difficult and with a lower credit score.
Consumer complaint received 2016-06-30
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: KEYCORP (NY)

On XXXX XXXX, 2016 I informed XXXX XXXX XXXX, the loan servicer for Key Bank, that I was unable to repay my debt due to being on XXXX, that I was filing for Chapter XXXX Bankruptcy, and directed that collection calls cease until conclusion of the bankruptcy. I have since received approximately 20 calls that I can document from XXXX, a collection agency representing Keybank, and XXXX XXXX XXXX. I have had numerous discussions with XXXX representatives and at least 1 supervisor explaining the situation and each time have repeatedly directed that they cease calling. Their most recent call was today ( XXXX/XXXX/16 ) at XXXX XXXX. Given their repeated refusals to cease calling I am filing this complaint seeking your assistance to get them to call. Please note that, although received for school, this debt does not qualify as a Student Loan that is exempt from bankruptcy discharge because it was received for education from a non-Title XXXX school. I have informed XXXX of this fact several times via telephone. Consequently, Consequently concentrix is aware that the debt they are calling about is essentially a general consumer debt, not a student loan. Your assistance in stopping XXXX continual harassment would be greatly appreciated.
Consumer complaint received 2016-06-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo charged me for an appraisal fee of {$410.00} for refinancing my mortgage, We never closed on the loan, I withdrew my application before the appraisal was even scheduled and loan processing was never completed and Wells never refunded me my money back. 
I withdrew my application from Wells Fargo because their rates and closing fees were higher than other banks. 
I emailed the company and their representatives XXXX XXXX numerous times but they have declined to response. 
I cant understand why they would charge a appraisal fee even though no appraisal was done.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX