davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (CA)

The first request sent to obtain a Lien release from Ditech Financial was on XXXX XXXX. We have been trying to close escrow since last Thursday but we can not because the buyers lender requires a copy of the XXXX XXXX XXXX be completed and signed by Ditech before they will fund the buyers loan to close escrow. For each day they delay in getting this to us we are paying an additional days interest because we can not make payoff until buyers loan funds. Our Escrow company has been calling multiple times a day for the last 2 weeks trying to get this completed form, I myself have also called many times. Thursday I called twice, tried to escalate it to a supervisor in the lien department, they informed me that this department does not answer phones, I was informed it was escalated via email to a supervisor and that I should have resolution within 24 hours. This did not occur. Yesterday our Escrow company was informed that the original request which was sent on XXXX XXXX was made on an incorrect form, why was our Escrow company not informed that the paperwork they received was incorrect? Our Escrow company resent the correct paperwork yesterday, and called this morning ( XXXX ), they were informed that it takes 3 days for the Fax to get into their system?? The Escrow agent that initiated the request was told by one agent at Ditech that the Lien department was 6 weeks behind! I have attached the documents sent to Ditech from XXXX/XXXX/XXXX through yesterday XXXX/XXXX/XXXX. These contain emails and faxes to a multitude of people that I was told to send my requests to and these include the Lien Release Department, supervisors and customer service people. We can not close escrow or transfer the mobile home title without this document that it is a requirement of the State of California Department of Housing and Community Development and that every other mobile home lender gets these to our escrow company within a couple days of the request.
Consumer complaint received 2024-10-04
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: Experian Information Solutions Inc. (CA)

It's been 2 Billing Cycles and XXXX XXXX  has not reported my XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to Experian
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below and to request its immediate removal from my credit reports. The account in question is with XXXX XXXX ( XXXX ) and is being reported by the three major credit bureaus as follows : Account Number : XXXX Credit Reporting Agencies : TransUnion XXXX XXXX, XXXX XXXX for Dispute Upon reviewing my credit report, I identified several errors and violations of the Fair Credit Reporting Act ( FCRA ) that substantiate my request for removal : Inconsistent Reporting : The " High Credit '' amount is reported inconsistently across the bureaus, with TransUnion showing {$1400.00}, XXXX showing {$0.00}, and XXXX showing {$1000.00}. This inconsistency violates 15 U.S.C. 1681e ( b ), which requires maximum accuracy in reporting. 
Missing Information : The " Account Type - Detail '' for XXXX is missing, indicating a lack of thoroughness in reporting. All bureaus must provide complete and accurate information. 
Incorrect Account Status : The account is reported as " Collection/Chargeoff '' with a balance of {$1400.00}, but if this account has been settled or closed, this indicates an inaccurate reporting that violates 15 U.S.C. 1681s-2 ( a ) ( 2 ).

Discrepancies in Payment Information : The " Date of Last Payment '' is inconsistently reported across the bureaus, with some entries missing. This lack of uniformity violates the FCRA 's requirements for accurate information. 
Potentially Misleading Comments : Comments like " Charged off as bad debt '' and " Canceled by credit grantor '' are misleading without context and may violate 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( B ), which prohibits misleading information.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

late payments 30 days each payment. my rights have been violated. Late payment reports to your consumer report is illegal. In 15 U.S. Code 1681a : Definitions and Rules of Construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 16813 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions are not included in the report and I request that late payments be excluded and charge-off be remove from my consumer report 2 ) Accordance with the FCRA 15 USC 1666b required that I receive a notification in 1637b.I never received the disclosures in 1637b from my creditors This is what I have disputed on my credit with the credit reporting agency and they would not remove this information from my account, which are all violations of my right, I also want know the method they use to validate this debts on my consumer credit report the accounts
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

I had a XXXX XXXX that I believed to be paid off as I was issued a Release of Lien in XX/XX/XXXX. When XXXX failed the mortgage accounts were absorbed by XXXX XXXX XXXX where it remained for several years. When XXXX XXXX XXXX got trouble around XX/XX/XXXX trouble the account eventually went on to Ditech Financial or Greentree as it was known then. When I was contacted by Greentree/Ditech They demanded I start making monthly mortgage payments as they were taking over for XXXX XXXX XXXX. I alerted them to the fact I had a release of lien and should not be making payments, I received no response, I started making mortgage payments in good faith and was current on these payments while hoping the problem would be found which it never was. <P/>I felt an obligation to as Greentree/Ditech had paid the property taxes even though I was supposed to pay them. The monthly payments started at {$300.00} a month and quickly climbed to close to {$700.00} a month, making for a financial hardship. I became delinquent in payments around XX/XX/XXXX while waiting during the investigation. I was offered a loan modification in XX/XX/XXXX ( although I never asked for one ) and received notification stating the payments were received and the modification had kicked in. Two weeks later they attempted to foreclose and denied offering any modification and stated no payments were received, Greentree/Ditech was unresponsive when copies of the payments were submitted along with the letter approving the modification which was not honored. <P/>There are over 15 written enquires which I initiated regarding the situation, all of which were answered by a letter of investigation, which was never followed up. Several of the responses, did not make any sense or relate to the questions I asked. Despite having a Lien Release Ditech continued it 's collection efforts, I was forced into Bankruptcy in XX/XX/XXXX efforts to save the property. They attempted foreclosure on 3 separate instances. It has been discovered in the course of bankruptcy that various documents Ditech produced were forgeries and fraudulent in nature, there was no response by them when they were noticed of this by them or their attorneys. Country property records do not show any tie between Ditech and the property in question. There are hundreds of pages of records documenting the information provided above and will be provided upon your request. Ditech was the subject of a XXXX XXXX dollar Class Action Lawsuit several years back for these same transgressions.
Consumer complaint received 2017-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

On XXXX XXXX, 2017 I paid a final payment of XXXX $ on a Citigroup Best Buy card to fulfill the repayment requirements for a no interest promotion. I then discover that the Citigroup only charge my card payment the minimum amount thus because of this the time for the no interest promotion past thus they charge me all the interest. I have never paid minimum. and had thought this was paid. I have paid the bill of XXXX in full but I feel that this has been a scam. I have purchased many items from Best buy and have never paid interest. Citi bank chose only to take the minimum thus voiding the offer, this was done by them to void the no interest offer.
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (RI)

I Had charges that were made on my XXXX XXXX credit card it is issued through Barclay, there were 2 cash advances that were made on my credit card for charges that I did not make nor did I Authorize. I have been going back and forth with Barclay for the last 3 months to have them issue a credit to my account they refuse to do so. The told me I am responsible for these charges,, even though I did not make them I am the only person authorized to use my card. they refuse to credit me or go after the company that charged my account to dispute these charges. While these charges were being made I received a text from XXXX XXXX Barclay asking about these charges and I responded back to them NO I did not make them, so they closed my account immediately and sent me out a replacement card. 
Charges were made on XXXX {$210.00} / XXXX {$100.00} Cash advance fees XXXX XXXX & XXXX.
Consumer complaint received 2017-06-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I called an requested to be set-up with an income-driven repayment plan. I provided all the information required and was approved. I provided the information to have the payments deducted from my checking account. Navient was able to withdraw the first payment without an issue. All subsequent payments were rejected due to Navient entered the banking information incorrectly. I requested that Navient reenter my banking information and paid the current amount that was due as well as payments that were missed due to their error given that I escrowed the missed monthly payments. That payments was successful withdrawn. I am now being told I do not qualify for the amount agreed upon. They stated that I get a monthly bonus from my job after reviewing my bank statement. This was the farthest from the truth. Many of the agents are difficult to deal with given they have little knowledge of how to set-up payments in their system or make changes and corrections.
Consumer complaint received 2024-10-09
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: Meritize Financial Inc. (AZ)

I applied for a private student loan with MeritizeXXXX for XXXX school at XXXX XXXX for {$79000.00} in XXXX of XXXX. My XXXX school got kicked out of XXXX XXXX and was forced to XXXX XXXX  XXXX miles away from my home. Then we had a storm in XXXX of XXXX that totalled most of our planes, delaying my training. As of XXXX of XXXX they stated I didn't finish my XXXXXXXX XXXX XXXX in time and they cancelled my disbursements and immediately started the repayment terms. They did this to everyone and stopped funding for all XXXX  schools. Definitely some predatory loan practices. The loan is 14.5 % interest daily and I owe them the amount that was disbursed {$28000.00}. No where in the agreement does it state that they can stop funding me. It states that they can start the minimum payments for {$150.00} a month for XXXX  months during the time building phase. The school stated that they did this to multiple students and cancelled their disbursements mid contract. The school stated that they should not cancel the disbursements regardless of time or certification. The school admins stated they believe they saw my graduation date as a way out to stop funding me even though I never graduated. The school believes that the loans were cancelled without notice due to the upcoming election and that Meritize isn't allowing applications for XXXX  schools anymore.
Consumer complaint received 2017-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did not authorize this car dealer to pull my credit for credit purposes. I specifically went in to purchase a vehicle cash basis and salesperson knew this fact. He had no reason or authority to pull my credit report. He advised me he needed my social security number for purposes of  DMV  title and transfers documentation but should have never pulled my credit.      XXXX  OF  XXXX  via  XXXX  OF  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Requested On :  XXXX / XXXX /   2016  Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION
Consumer complaint received 2017-06-27
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC. (FL)

A total of 3 fraudulent charges were made to my Sun Trust Access 3 account, for {$20.00} each, on XX/XX/XXXX,  XX/XX/XXXX and XX/XX/XXXX, for a total of {$60.00}. These charges were made without my knowledge or consent. <P/>The charges were for FAX transmissions of account-related documents that were allegededly needed to close on a loan ( for which I had not applied ). When I discovered the fraud, I immediately called the bank to request a refund. I made 2 separate calls and talked to 5 representatives, each of whom claimed there was 'no error ' ; that, since I had applied for a V.A. Loan, I had authorized the charges. <P/>Finally, I contacted Suntrust Bank by U.S. Mail to advise the President of the fraud. My request for reversal was denied. <P/>The problems with the bank 's argument are : 1. While I had applied for a V.A. 'Refinance Loan ', and that application is still in progress, I did not apply for the loan in question, nor had I spoken to the individual who requested my account documents, 2. The document I signed giving my Loan Representative access to private account-related information did not specify that it would be sent via FAX. ( It could have been sent by U.S. Mail ; or, via Email, as PDF attachments. ). In fact, I have already sent a number of documents to my Loan Representative via Email as PDF attachments, and they were accepted in that format. He has never suggested that I need to send documents to him via FAX.
<P/>
3. Since a V.A. Loan Application can easily take 3 months or more to process, same day FAX transmissions are not a necessity.
<P/>
My desired resolution is restitution of the {$60.00} that was stolen from my account by Suntrust Bank.
<P/><P/><P/><P/><P/><P/><P/>
Mobile Phone : XXXX
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I recently filed a complaint with the CFPB regarding a dispute of a charge with  XXXX . The amount has always been in dispute. As a result of that complaint, t he President 's offi ce of  XXXX  agreed to remove all late charges and interest from my account and I am now in a billing cycle in which I can pay the charge with no fees.   Nevertheless,  XXXX  reported my account past due with late payments assessed to all three major credit reporting bureaus. I have disputed this reporting with all three credit reporting bureaus and Experian has responded with an unsatisfactory result.
Consumer complaint received 2017-06-13
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Northwood Asset Management Group (LA)

On XXXX/XXXX/17 I got a call from XXXX and XXXX left a voicemail stating to call Asset about a debt owe. I was asked to call XXXX ext XXXX. After advising XXXX I currently have no money to give but do feel I owe the debt, not sure of the amount XXXX proceed to say " I have people who or on fixed incomes making payments, its either you pay it or you do n't and those that do n't its an excuse, so I 'll mark your reply as an excuse ''. I advised XXXX if I do n't have it would does he want me to do. He began to over talk me and ended the call by saying " you know what you need to do, you need to man up, that 's right man up ''. After doing more research on the phone numbers and the company I ca n't seem to find any valid information, so before I try to pay anything I need valid proof, which I asked for several months ago when I advised them I was unemployed, but they continue to have an excuse as to why they ca n't send me anything in writing.
Consumer complaint received 2024-10-26
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. (TX)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.