davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX / Dob XX/XX/XXXX REPORT XXXX TRANSUNION CC Consumer Financial Protection Bureau I 'm exercising my rights to requesXXXX XXXX XXXX t verifiable proof of negitive events you have listed in my credit file The 15 U.S CODE & 1681g - Disclosure to consumer requires CRA to disclose the sources of information reguarding the XXXX XXXX XXXX XXXX Mn XXXX negative events that are beging reported by your agency upon request of the consumer this is not a dispute account XXXX XXXX closed account account XXXX XXXX late payments closed XXXX XXXX account That has not been reported on in Years.. 
XXXX XXXX LATE PAYMENTS and all credit inquires that are not showing any active accounts on my credit file I expect that you will provide verifiable proof as required under the 15 U.S CODE & 1681g disclosure to consumers If you are unable to provide such proof with in the timeframe I expect these negative events to be remove from my credit file please communicate your intentions in writing. I have asked you to comply and do whats right but you fail to do so.. 
XXXX I have included you in on this Because I 'm going to take legal action if this request do n't get solved ... Also for evidence for my case Thank you
Consumer complaint received 2016-05-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Dynamic Recovery Solutions, LLC (FL)

On XXXX XXXX, 2016 at XXXX. XXXX I received a voicemail from Dynamic Recovery Solutions from XXXX. 

I called them back at XXXX. XXXX. I requested the name, address, and phone number of who they were calling. He kept asking if I was XXXX XXXX. I finally confirmed I was XXXX XXXX and he took a very long time to finally give me the contact information that follows : Dynamic Recovery Solutions XXXX, SC XXXX XXXX At this point, I requested to know the name and address they had on file for me. He provided an address that was added to my credit report during an incident of identity theft. 

I asked who they were collecting on behalf of and he asked if I would validate the last XXXX digits of my social security number and then read them too me. I refused to verify this information and he refused to tell me who the collection was for. 

My understanding is they should not be handing out even the last XXXX digits of my SSN to anyone, ever. I suspect they are n't a valid debt collector.
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My wife and I sold our home in  XXXX  and closed on  XX/XX/XXXX . During this process we packed up and moved to   XXXX   in  XXXX . We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right?   My wife and I decided we wanted to buy a new home in  XX/XX/XXXX , In doing so the lender ran our credit reports only to find that  XXXX  reported us 60 days past due for the months of  XXXX  and  XXXX  of  XXXX . How could this be we paid off our mortgage in  XXXX . After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in  XXXX . The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested  XXXX  to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at  XXXX  with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue!  XXXX  has yet to return any of our calls. Unprofessional to say the least!!!
Consumer complaint received 2017-05-22
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a response back from Transunion via email on  XXXX / XXXX / XXXX  regarding the most recent complaint. They indicated they found the item to be accurate and it will remain on my credit file. This item was previously removed over a year ago  on two di fferent occasions. I was never notified this item was being added back via email or mail from Transunion in the past. I do however, have notices from Transunion were the they found the item to be inaccurate in the past and removed it from my report. 6 months to a year later this item comes back on my report under another creditors name. I do not agree with Transunions most recent investigation and will be seeking legal counsel if action is not taken to have this removed for the third time.     Here is my complaint that I recently sent Transunion : A collection account under the name  XXXX   XXXX   XXXX  was listed on my credit report in the amount of {$640.00}. I had no knowledge of this account and it was disputed to Transunion and  XXXX  on  XXXX   XXXX . It was removed by both Transunion and  XXXX . It reappeared under another collection agency name  XXXX  in  XXXX   XXXX . I was never notified by either Transunion or  XXXX  in writing this was being placed back in my credit report. I redisputed the items again with both companies and it was removed f or a 2nd tim e on  XXXX   XXXX . I looked at my credit report today and found that for the  3rd tim e on  XXXX   XXXX  this same collection account was added back to my report under the collector name  XXXX   XXXX . Once again I was never notified in writing after this was deleted that it was going to be added back into my credit file. I have no knowledge of this account and it is illegally being placed back into my file months after it was disputed and removed without my knowledge. As the consumer I should not have to keep filing disputes for this unknown account that was removed over a year and a half ago.
Consumer complaint received 2016-05-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (NC)

I received a letter on XXXX XXXX, 2016 from Chase stating that they were closing my account effective XXXX XXXX 2016 because " continuing the relationship creates possible reputational risk '' to their company. I immediately called Chase at the number provided on the letter. They then connected me with an " account specialist '' who really had no answer for me. All she said was that " chase has made a decision to end the relationship with my account and will be closing it ''! I asked why? No answer was given other than she had no notes in the system that could explain their reasoning??? I have not been late on a payment, never missed a payment and my balance is low! This will cause a negative effect on my credit score without just cause or reason. I would like Chase to reverse this decision.
Consumer complaint received 2016-05-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: National Education Servicing, LLC (IL)

I borrowed a total of {$38000.00} in XX/XX/XXXX and XX/XX/XXXX for my student loans with National Education Services from XXXX, IL. I noticed after making 87 payments on time that my balance was only rising. After speaking with them multiple times and not getting answers ( even when speaking to the President XXXX XXXX ) I finally talked to someone who told me there was capital interest on top of my monthly interest. The capital interest was for nearly {$14000.00} total. So my loans were starting at {$52000.00} with an additional monthly interest taking out. When I said I was never made aware of this I was told it was on my contract. When asked for a contract she said she would send it to me right away and I have yet to get it. 
It took me a while just to find out about this and again was never made aware of this, nor did my account ever reflect the total of {$52000.00}. I am appalled at this company and their actions throughout this situation.
Consumer complaint received 2016-05-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Cooling & Winter LLC (GA)

I was sued in 2014 for a debt that I owed XXXX XXXX. XXXX XXXX bought the debt and filed a suit against me and garnished my wages until the balance was paid in full. After paying this debt in full, I received more correspondence from XXXX XXXX as well as Cooling and Winters LLC. stating that I was being sued again for the same debt. I have spoken to both compnaies and XXXX XXXX refuses to speak to me about my account and told me they sold the account to Cooling & Winters after this account was satisfied. I contacted Cooling & Winters and they stated that they never received the money that was garnished from my paycheck and that this account could not be closed until it was satisfied. I am looking to sue both companies for constant harassment. This is affecting my daily job responsibikities as I have to take off of rom work to resolve this. I will attach a copy of my check stub showing the garnishment paid in full.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

I am writing to formally dispute the absence of my XXXX XXXX  credit card account ( account number : XXXX XXXX XXXX XXXX ) from my credit report. This account has been active and in good standing, yet it is not being reflected on my credit report. 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to expect accurate and complete information on my credit report. The non-reporting of this account is affecting my credit history and score, potentially skewing the representation of my financial responsibility. 
Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ), which amends the FCRA, you are required to take reasonable steps to ensure the completeness and accuracy of information in my credit report. By failing to include all relevant accounts, including this XXXX XXXX  account, my credit report is incomplete, and this omission is negatively impacting my credit profile. 
I am requesting that you investigate this issue and contact XXXX XXXX to ensure that my account is reported correctly and reflected in my credit report. Please provide me with confirmation once this has been resolved or notify me of any steps that need to be taken on my end. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the correction or the results of your investigation within the XXXX period required by law under the FCRA.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-05-10
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: CNG FINANCIAL CORPORATION (VA)

They left messages @ my home threatening legal action, & also contacted me via email stating they have evidence that funds were received/deposited & they have XXXX different ways of linking me to fraudulent activity. They also furnished my full SSN # stating they could n't find any previous fraudulent activity. The amount of the loan, and the amount it would cost me to settle to end up w/a {$0.00} balance/acc't paid status, only to charge me an extra late fee ( which would be refunded ) within 3 business days. stating it was protocol because I 'd purchased the wrong card t make the payment. The card 's being XXXX DEBIT CARD. Card 's were purchased in the amounts of $ XXXX/ {$280.00} respectfully. Apparently, once the monies were secured by them, I 've received no further contact. XXXX XXXX was the name I as given, & I have all emails between us.
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY (NJ)

I locked my refinance rate with TD Bank. Rates increased quite suddenly post election. My mortgage is now saying I will to have to pay different " points '' since post appraisal the LTV is 61.3 %. They are saying the points are different for LTV greater than 60 % vs. LTV less than 60 %. Is there 60 % cutoff really? I have never heard of it.
Consumer complaint received 2024-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (NY)

My Aunt deeded me her property XXXXyrs ago, she passed away XXXX XXXX XXXX XXXX XXXX XXXX. I have been trying to work out the mortgage balance with Wells Fargo to no avail. They have ignored my requests and have now broken in to the house put padlocks on the doors in an attempt to lock me out of the property. They have discriminated against me. I have removed the locks put on the doors and am again attempting to work out the mortgage on MY PROPERTY to no avail. They have posted a sign on MY property making it look like an eviction notice in an attempt to intimidate me.
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (GA)

I   am writing to dispute the following information in my file. I recently received a copy of my credit reports (  XXXX ,  XXXX ,  XXXX  ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.
Consumer complaint received 2017-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OR)

Our mortgage loan was transferred from  XXXX  to a group called Bayview Loan Servicing , LLC back in  XXXX   XXXX . We are in process of attempting to refinance our home and there is a {$14000.00} amount  that Bayview Loan Servicing i s claiming as a  Deferred Amount. When we call Bayview the y claim that it is from a modification from  XXXX   XXXX ,  XXXX . We do not have any reco llection of doing any modification. When we try to speak with a supervisor with Bayview we get disconnected and have to start the process all other again. We have requested a payoff and we 'll bet you that we  wo n't get it.
Consumer complaint received 2016-05-10
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ESCALLATE, LLC (SC)

I have asked Escallate LLC to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-05-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX HAS A AMOUNT ON MY CREDIT REPORT THAT DATES BACK TO 2008 -- BY LAW SHOULD OF BEEN REMOVED AFTER 7YRS. WHY IS IT STILL ON MY C/R?? -- XXXX SOLD MY ACCT. TO MID-LAND CREDIT -- -MID-LAND CREDIT DELETED MY ACCT. WHY IS THIS ON MY CREDIT REPORT?
Consumer complaint received 2016-05-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (AZ)

It is my contention that my rights under the FFDCA have been grossly violated for the following reasons : Upon contacting the XXXX XXXX Justice Court with regards to these matters I was informed that a Letter of Settlement had never been issues for case XXXX, which was paid directly to a XXXX at XXXX XXXX by money order. 
Upon contacting the attorney of record with regards to this, the office refused to send a settlement letter and instructed me to contact the creditor. Upon doing so I was referred to the collection agency who has no record of this. 
The attorney of record attempted to garnish the co-signers income, a woman of XXXX years at the time who was on a pension and Social Security, in gross violation of the law and a gross ethical violation under Arizona State Law. 
Upon contacting the creditor and demanding my rights to deal directly with them, they refused in violation of my rights. 
Upon contacting the collection agency and trying to make payment arrangement with one XXXX XXXX XXXX, on numerous occasions, this was denied and I was informed he would only accept the full amount for the settlement amount. 
Upon contacting the collection agency and attempting to pay a [ predetermined collection settlement amount I was informed XXXX of XXXX XXXX had now increased the amount. At this time I was also informed my account had been reported to a secondary agency for renters and a settlements would affect my ability to rent in the future. I was never informed of this. 
Upon contacting the collection agency with regards to the entire amount and requesting a breakdown, I was refused and rudely informed by XXXX that he had this file for years and he knew the amounts. 
Inasmuch as my mother is also listed on this account, she had her attorney contact XXXX and he subsequently chastised me for having an attorney contact him and was told to deal with him directly. 
Upon being told by the XXXX XXXX Justice Court that the second judgement amount had to be paid directly to them, I was informed by XXXX that HE was the one taking all the funds and I was NOT to pay the court.
Consumer complaint received 2016-06-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MILLENNIUM FINANCIAL GROUP, L.L.C. (TX)

Millenium Financial Group, is trying to collection on a debt I open with XXXX 's in 2008. That debt is outdated and should not be able to be collected on. I have paid out all my accounts with XXXX in XXXX, Tx. What best describes my situation was not above as an Outdated account that is trying to be collected on. There needs to be a check box for Outdated debts as well for my situation just as well as other consumers.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: FIRST ADVANTAGE CORPORATION (FL)

I applied for a job and was offered a position. Subsequent to that a credit report was requested. There were XXXX items that were reported incorrectly. As a result of the incorrect items an adverse action was taken against me ie rescinding a job offer. These XXXX items as reported were. 1. a bill of {$260.00} reported by XXXX for an account listed in XX/XX/XXXXand held for two months. I returned the items apparently comcast lost them or incorrectly listed the items as not returned. 
2. XXXX. I have had an account with XXXX for about 20 years. This past year I did not work for six months consequently XXXX disconnected my service for two months service. I have tried to talk to XXXX XXXX without success. Once I work I will be able to pay them back but given the availability of streaming and low cost alternatives maybe not but I should not have a job offer rescinded. 
3. Villages of XXXX XXXX, XXXX Oregon. I went to XXXX to work for two months. I took over a sublet. I was required to pay first and last months when I moved in. I stayed for two months, I gave notice a month in advance. I paid for three months and stayed for two. It has been impossible to resolve this without hiring an lawyer in XXXX Oregon which is across the country from where I live. 
4. IRS. Like XXXX other people I was impacted by the XXXX. I listed the foreclosure judgement on my house as a loss. The IRS did not like that. They imposed a lien on my house. To have it removed I need to hire a lawyer who the IRS will talk to. They will not talk to me. I should not lose a job over this. Furthermore a lot of my effort in the past 5 years has been to keep my house. 
5. Because of the above, i bought a car with a ridiculous interest rate. I was out of work for several months. XXXX XXXX did crazy reporting. It has been impossible to talk to anyone at XXXX XXXX. 
Debtors prison has been done away with. I have had a long slow climb out of debt. To have a job rescinded because of previous debt is ridiculous and beyond the scope or abilities of an Human Resources manager. I agree to have a background check but to use the results of a background as grounds to rescind a job offer is nuts. Credit reporting is mainly a tool wielded by bullies used to justify higher interest rates, and in this case lose a job. Telling the IRS in XX/XX/XXXX that I had been out of work for 18 months was useless, as their prime focus is to pick on people who ca n't fight back. Its what they do. The have a lien on my house. I ca n't sell it without paying off the IRS. Mine is a story of what can happen when XXXX hits the fan but I should not have a job offer rescinded because of previous debt. This is most unfair.