davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I filled Bankruptcy on XX/XX/XXXX, because I had no other option. I was XXXX XXXX from the XXXX XX/XX/XXXX. I am XXXX XXXX XXXXXXXX, and could not maintain where I was or what I had. Numerous attempts were made with lenders to help, and none wanted to assist at all. I received negative reports from the accounts. I had XXXX XXXX with my truck that I returned openly. The reason for this is also XXXX is reporting my accounts that were listed on the Bankruptcy as negative accounts when they should be closed, and its affecting my reports. My wife has sent letters to all three reporting agencies, and nothing has changed as of yet. XXXX is the worst, but the other agencies are also not accurate. According to Section 609,611, and 623 XXXX  was suppose to notify people about inquires on their report that were added back after they lost them on accounts. What they did is just put them back not knowing if it was correct, and not following guidlines. 

Installment AccountXXXX XXXX StatusClosed Balance {$47000.00} Credit Limit {$0.00} Past Due {$2000.00} Date OpenedXX/XX/XXXX Monthly Payment {$870.00} Date Closed- ment History 22N/A 1Negative 1Reposession, Pay Payment StatusRepossession
Consumer complaint received 2018-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Management Solutions, LLC (MD)

FMS Solutions contacted my ex spouse in XX/XX/XXXX alleging a debt that we owed them from a previous apartment. My ex settled account for almost the amount owed as he needed it off his credit report immediately. I was a co-signer on that apartment and was pursued by FMS Solutions for alleged interest that accrued on that account and threatened with legal action. Court records indicate the judgement entered in this case was dismissed in XX/XX/XXXX for the apartment I allegedly owed. I do NOT have a signed contract with FMS solutions and do not owe them any money. FMS continues to check my credit as recently as XX/XX/XXXX, which shows up as hard inquiries on my credit report..damaging my credit history. FMS solutions should not be able to do this as I do not legally owe them any debt. They are currently out of the statute of limitations for collecting the debt IF the debt was valid. They are not registered with CFPB or state of maryland to collect debt and illegally reported the debt to my acct preventing me from past jobs and credit opportunities. Please rectify this situation immediately by barring my credit from being accessed by this company. Please stop letting them access my credit reports and personal information. I do NOT owe this company any debts.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2018I pulled a copy of my Equifax Credit Report through XXXX. Upon reviewing it I noticed that there were several hard inquiries listed that I did not recall authorizing. Given the recent data breach issues that have taken place with both Equifax and XXXX I began to suspect that someone had obtained my personal information and attempted to apply for credit using it so I contacted Equifax to dispute these inquiries. The customer service representative I spoke with was very polite and immediately filed disputes for each of the hard inquiries I indicated I had not authorized. After filing the disputes the representative informed me that it could take up to 30 days for the disputes to be reviewed and researched so it could take up to 30 days before I would hear back about the results which I understood. As of todays date, XX/XX/2018, I still have not received any information regarding he results of my dispute. I have not received a letter in the mail, an email, or a phone call, and it has been well over 30 days. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. That fact that I have not received any further communication from the CRA regarding my disputes one can assume there was no investigation into this matter. I plan to purchase a home this year and having this many hard inquiries on my credit negatively impacts my credit profile and score which in turn makes it difficult to obtain a mortgage. I am submitting this complaint due to a lack of investigation AND response to my original dispute for hard inquires that I did not authorize as this is unfair practices by a credit reporting agency with no concern for the credit worthiness of its consumers.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion Credit Reporting Agency, un like the other 2 is misrepresenting my credit profile with information that goes against the language that's governed by the FCRA, language inwhich assures an consumer that if the account is not verified with hard copies of such verification then the account shall be removed. Not only has it be 30 days its be more like 120 days but yet Transunion is still reporting false information inwhich I'm demanding be deleted from my current credit report.
Consumer complaint received 2018-04-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (MI)

This complaint is about the transfer of title when a loan from US Bank was paid off in XX/XX/XXXX. In XX/XX/XXXX, I leased a XXXX XXXX truck with XXXX XXXX. When the lease was completed, I purchased the truck with a loan from US Bank. That loan was paid off, and I expected a title to be issued to me. As you can see on the current XX/XX/XXXX registration, the truck ownership is still in the name of XXXX XXXX. The title should have been transferred to me when the loan with US Bank loan was open in XX/XX/XXXX. I have confirmed with the State of Michigan that the title is still in the name of XXXX XXXX. However, the State can only provide a copy of the title to the owner. Numerous phone call and correspondences to US Bank during XX/XX/XXXXhave not resolve this problem. When the loan closed in XX/XX/XXXX, the loan proceeds should have paid the transfer fee and sales tax. At that time the title should have been transfer to me. The Bank needs to contact its leasing company to correct this problem.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

There is an account with the original creditor being XXXX that was a fraudulent account that has been disputed several times this account is now being reported under XXXX XXXX as a collection.
Consumer complaint received 2017-03-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I made a {$5000.00} payment to be applied to the principal of my loan on XX/XX/XXXX. SLS processed the check on XX/XX/XXXX. As of today, XX/XX/XXXX the funds have not been applied to the principal as requested and my most recent statement indicates some of the funds are held in a " Suspense Acct '' while the remainder have been incorrectly applied to a mortgage payment. I have made multiple calls to SLS but they have not resolved this issue.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX CONTINUES TO REPORT INCORRECT INFORMATRION ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME AND THIS IS A REAL ISSUE.

1. XXXX XXXX XXXX IS NOT MY ACCOUNT # XXXX  ON MY CONSUMER CREDIT REPORT XX/XX/2017 : MY CONSUMER STATMENT SAID THIS ACCOUNT WAS DISCHARGED IN BANKRUPTCY XXXX,XXXX OR XXXX? ( EXCIBIT A ) 2.XXXX XXXX ; ACCOUNT # XXXX STATED I ALSO FILED CHATER XXXX,XXXX  BANKRUPTCY REFER TO EXCIBIT ( B ) 3. XXXX/XXXX  # XXXX  ... NOT MY ACCOUNT VICTIM OF ID THEFT NOT MY ACCOUNT 4.XXXX XXXX # XXXX  I NEVER STATED ANY SUCH THING ABOUT FAULTY MERCHANDUISE.

5.XXXX XXXX XXXX XXXX ... XXXX FRAUD ACCOUNT XXXX  IS MAKING FALE STATMENTS THESE ACCOUNTS DO NOT BELONG TO ME.
Consumer complaint received 2018-04-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (FL)

Re : Leased XX/XX/XXXX XXXX XXXX My 3-year lease with XXXX XXXX ended on XX/XX/XXXX. I have made every effort to return the car but XXXX XXXX has failed to cooperate. 

I had the pre-inspection done in XX/XX/XXXX, and the car was in approved for return. In early XX/XX/XXXX, I called XXXX XXXX and asked for instructions for returning the car, because the dealer from whom I obtained the car is no longer in business. A representative told me to call other XXXX dealers nearby. I called the 4 closest dealers, and all of them refused to accept the car. 

When I reported this to XXXX XXXX  on XX/XX/XXXX, the representative told me that they would send someone to collect the car within two days ( by XX/XX/XXXX ). However nobody called and nobody came to pick up the car. On XX/XX/XXXX I called again to inquire, and was told that I would be contacted in 2 weeks or so about the pickup. This contact never occurred. 

I have called numerous times about this matter, and XXXX XXXX representatives have repeatedly shifted the blame to third parties, refused to allow me to talk to a supervisor, and promised that someone would be sent to retrieve the car -- but this has not occurred. 

In the meantime, I have moved out of the state, so I can no longer store the car or deliver it anywhere. The car is being kept temporarily at a friends house, awaiting the promised retrieval. 

The last call I received from XXXX XXXX was XX/XX/XXXX, and the representative again promised that the car would be retrieved, and someone would contact me within 48 hours to make arrangements. And once again, the promised contact did not occur. 

Back when I was first told the car would be picked up ( XX/XX/XXXX ), I filled out the DMV form to release responsibility for the car. Since then, my lease has ended ( on XX/XX/XXXX ) and I believe all my obligations concerning the car have ended. The car is no longer registered in my name or insured by me. XXXX XXXX/Santander Bank is now Owner of the vehicle and is legally responsible for the car. But their dealers refuse to take the car and they keep failing to pick it up. 

As far as I'm concerned, this is an abandoned vehicle.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Diversified Consultants, Inc. (GA)

To Whomever This May Concern : My name is XXXX XXXX XXXX. Diversified Consultants has reported a collection account to my credit report that doesn't belong to me. It says it is through XXXX XXXX XXXX. I have attached a police report due to fraud that I have experienced. This account is not mine. I have not ever had an account with XXXX XXXX XXXX and I would appreciate this account being removed from my  credit report asap.
Consumer complaint received 2018-04-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I sent an investigation request to the credit bureaus on XX/XX/XXXX. XXXX and Experian have not responded yet, and they're supposed to respond within 30 days.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX Started and online dispute with experian Report number:XXXX tried to check status there system states number is incorrect. 
Call them XX/XX/XXXX at XXXX there is no option to correct this issue
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear I C SYSTEM, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection. 

It has come to my attention that I C SYSTEM has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, under Missouri law, specifically 570.223 of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for I C SYSTEM to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that I C SYSTEM immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including 570.223 regarding identity theft. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that I C SYSTEM will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Consumer complaint received 2018-05-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (CA)

PNC LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   CA XXXX XXXX XXXX XXXX XXXX Short sale package was submitted to PNC on XX/XX/XXXX. On XX/XX/XXXX we were told PNC had sent a letter to the borrowers accepting them into the short sale program, which the borrowers must receive and complete in order for the file to be moved forward as a short sale. The borrowers have not received anything from PNC, and PNC is refusing to send us ( the authorized third party ) a copy of this letter.

( ( ( In addition PNC has refused to acknowledge the authorization signed by the borrowers on many occasions and we have to fight, literally, just to get PNC to acknowledge that we are the Authorized Third Party. ) ) ) -- see attached Third Party Authorization. I am attaching it here because i know if i do not, that PNC would simply state i am not authorized on the account so that they can outright ignore this Federal Complaint. ) ) ) Since no one has yet received the letter from PNC, the borrowers have taken it upon themselves to write a letter accepting the short sale program. ( see attached letter ) PNC is REFUSING to acknowledge this letter and the express desire of the borrowers to participate in a short sale.

Everyone we have spoken to at PNC is absolutely disinterested in solving this problem. No One seems to understand or care that their 2nd lien will be wiped out if the 1st ( XXXX XXXX ) forecloses. There is an upcoming foreclosure date of XX/XX/XXXX and PNC is essentially refusing to work on this file.

We have explained to PNC multiple times the urgency of this situation due to the upcoming foreclosure date initiated by the 1st XXXX XXXX XXXX. PNC does not care. They are refusing to do anything about the fact that the borrower has not received anything from PNC, refusing to provide a copy of this letter to us as the Authorized Third Party, and thereby is not protecting their investors interests in any way, shape or form.

****** XXXX XXXX  IS RECEIVING A FULL PAYOFF ON THIS SALE AND THEY ARE THE FORECLOSING PARTY. PNC STANDS TO LOSES HUNDREDS OF THOUSANDS OF DOLLARS AND NO ONE WE HAVE SPOKEN TO SEEMS TO CARE. ******** Please help us to get PNC to move this forward. The fact that we have to submit a Federal complaint due to the PNCs apathy and ignorance is ridiculous and absolutely unacceptable.

I want a copy of the letter accepting the borrower into the short sale program sent to us immediately. The homeowner wants to do a short sale and has expressed this multiple times, in writing, to PNC, as have we over the phone as an Authorized Third Party.

**Please see attached Authorization for RE XXXX XXXX and Letter Accepting Short Sale Program.
Consumer complaint received 2018-05-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc. (GA)

Credit Systems Intl has added a collection to my credit profile which has severely damaged my credit since I have no collections on my credit report until yesterday. I closely monitor my credit due to identity theft and fraud. They are attempting to collect on a debt from a company called XXXX XXXX. I have disputed this in the past as not belonging to me and the company was unable to validate the debt so it was removed two years ago. Again this debt is not mine and I thought this was established. Furthermore I have received no communication from either Credit Systems or XXXX XXXX prior to to this damaging information being placed on my credit report. No phone call, no letter. No communication once so ever. I was not given my legal right to once again dispute this information and prove I do not owe this bill. This original date of deficiency is in 2011.
Consumer complaint received 2018-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On friday XX/XX/XXXX I transferred via XXXX XXXX from my XXXX XXXX XXXX   account to Bank of America. Bank of America put a hold on the transfer and froze the funds until XX/XX/XXXX. I had a bill pay that was set up for XX/XX/XXXX to pay my car payment ( XXXX XXXX ). Realizing that my funds that I expected to be immediately available would not be on XX/XX/XXXX I deposited a check in the amount of XXXX from XXXX XXXX to cover my car payment. On the app of BOA it states that the check deposited would cover all transactions posting on XX/XX/XXXX but that they were going to put a hold on that check also. On XX/XX/XXXX my car payment was returned I was charged a {$35.00} returned check fee from BOA and from my car company and when I called BOA to ask why were there all these holds when I had over XXXX pending to pay a simple car payment their response was that I had not developed a relationship with them and once I had transactions like this might be approved I. The future. Ive been with BOA for over a year and never had this issue. What has changed in the last two Months is I cancelled my direct deposit because I felt they were arranging transactions in orders to where I would occur a fee. Just like this situation. No one could explain why if I have over XXXX pending. I had an immediate transfer through XXXX a product they encourage you to use Boa would return my payment. Their response was I dont understand banking and maybe they will try to break it down into language Ill understand.
Consumer complaint received 2018-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (WA)

This is a follow up on my previous complaint XXXX. 

We have a mortgage with Caliber Home Loan ( https : //www.caliberhomeloans.com ), account number XXXX. The mortgage consists of loan and escrow accounts both. OnXX/XX/XXXX, the loan officer XXXX XXXX informed us the escrow amount was wrong. The overall monthly payment should be {$5900.00}, down from the wrong number {$7100.00}. Therefore the monthly mortgage I paid is {$6000.00} from XX/XX/XXXX. However Caliber home loan does not update its system and think we are short of the monthly payment. The consequences are : 1. Our payment balance was messed up, both the loan and escrow account balance by wrong late fee and penalties which caused by Caliber itself. Please refer to the attached account payment history. According to my calculation, till XX/XX/XXXX, my loan balance should be {>= $1,000,000} and escrow balance is {$7000.00}. But Caliber shows the loan balance is {>= $1,000,000}. escrow balance is unknown. 2. Caliber careless mistake leads to both my husband and my credit score sharply drop from XXXX level down to XXXX level. 3. On XX/XX/XXXX, Caliber sold the loan to central loan administration and report ( XXXX ), and passed all the wrong information like escrow amount, loan balance and escrow account balance to XXXX. Although Caliber promised to fix it for us, one month after the transaction, the mistake in XXXX has not get corrected. The record from XXXX still shows our monthly payment is {$7100.00}. After the loan selling to XXXX, CALIBER did not inform us to pay XXXX afterwards. Without the right payment information, we paid our XXXX mortgage {$6000.00} to Caliber still. Although Caliber claimed that it forwarded the {$6000.00} to XXXX on XX/XX/XXXX, XXXX has not received it ever since. When both XXXX and us asked CALIBER to provide the express mail tracking number and check number, CALIBER just could not come up the numbers. 

Upon our earlier request to CALIBER on the closing statement and update both loan and escrow balance, we received the update on the escrow account today. It does NOT update anything at all, it does not adapt the new monthly escrow amount of {$1200.00} but using the wrong {$2400.00}. The XX/XX/XXXX payment does not show on payment history. The right escrow number for XXXX and XX/XX/XXXX should be {$1200.00} *2 = {$2500.00}. 

How careless and arrogant can a company be by totally ignoring the customer 's request?! When we pointed out there was error on the payment history, they update us with the wrong and current history AGAIN, as a response?!