davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have fraudulent inquires on my Transunion credit report that are not tied to an account. I've been a victim of idenity theft in the past. I would like those inquires removed. 
Thank you
Consumer complaint received 2024-08-24
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: SYNCHRONY FINANCIAL (VA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Core Advisory Group, LLC (MI)

This company is a complete scam, as soon as they cashed the cashier check I sent to them for {$3600.00} on XXXX/XXXX/2016 the very next day I asked them to return my money because I was n't confident they can stop my sheriff sale on time which was set for XXXX/XXXX/2016. When I contacted Core Advisory Group back in XXXX/XXXX/2016 and what made me decided to call them in the first place is the mail advertisement they had sent me saying that I am a plaintiff for a lawsuit against my lender and that they can lower my mortgage payments and stop my foreclosure so I called their XXXX # and I spoke with XXXX XXXX who told me that I had a strong case for them to take on. I even disclosed to her that I am currently in a chapter XXXX bankruptcy and there is also a sheriff sale date on XXXX/XXXX/2016 but she promised me that they can still stop the sheriff sale so I agreed to give them a shot. Once they received my money they referred me to a lady in the name of XXXX which handles bankruptcy and XXXX told me nothing can be done because I am already in a Chapter XXXX and it can not be converted into a chapter XXXX. I told everyone this at the beginning already and they still took my money so I told them on XXXX/XXXX/2016 I want to cancel and my money back. I ended up losing my house because of their false promises and lies that wasted my time and money when I could had used that money to hire someone else to help me. This is a scam and they need to be stopped. I want my money back. I paid these people upfront before they did anything for me. Now I lost not only my house but my money and it is not right that they are allowed to stay in business and prey on people like me. They did not do provide any service for me and they are refusing to give my money back. I need your help!!!!
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account number : XXXX
Consumer complaint received 2016-12-06
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (HI)

Ditech has applied mortgage payments incorrectly and a mortgage payment is missing. I use auto pay to pay this mortgage and when my interest rate increased in XX/XX/2016 ( XXXX ) they started calling from their collections department stating that I was not current on my mortgage, which was incorrect. I allowed them back in XX/XX/2016 to take the adjusted increased mortgage and was assured that they would not take my auto amount also. They deducted both so I told them to apply the original amount to principle. This started a series of journal adjustments to my account and now an entire payment is missing. In XX/XX/2016 I made my usual auto payment of {$1800.00}. In XX/XX/2016 the new amount of {$2100.00} was deducted from my bank account along with the {$1800.00}. In XX/XX/2016 & XX/XX/2016 they deducted the auto amount {$2100.00}. In XX/XX/XXXX, XX/XX/XXXX & XX/XX/2016 they deducted the auto amount of {$2100.00}. I have tried to work with Ditech but contacted XXXX when I realized that they were not crediting my account properly and my mortgage balance was higher after payments were credited. XXXX tried to get the information corrected but was unsuccessful. XXXX agrees that there is still an entire payment missing from my account history and the balance is incorrect but could not get Ditech to respond to their inquiries. Yesterday my representative with XXXX, XXXX, suggested that I contact CFPB to get resolution as she was unable to correct the information. Ditech has finally stopped contacting me from the collections department, which they never should have as I am current and have been as long as they have had my loan.
Consumer complaint received 2016-12-06
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

We have a very serious problem. We were just told that the above file was closed out rather than an extension being issued as requested on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX from my firm was told on the phone, on a recorded line that we were okay to close on the XX/XX/XXXX - a day after the approval letter expired. Friday the XX/XX/XXXX was a holiday and therefore did not count for the XXXX disclosure guidelines so we needed to close on the XX/XX/XXXX. 

We closed on the XX/XX/XXXX and the wire was then sent out and the attached documents were sent in to Ocwen. The deed was recorded, the buyer 's loan finalized - no rescission period in Maryland - so the loan has already been sold off to a new owner and then Ocwen returned the wire and asked that we change the XXXX to XX/XX/2016. This is a TRID violation so the title company would not back-date the XXXX after closing on the XX/XX/XXXX. 

I am filing this as a CFPB complaint. We are going to tell the title company to send back the wire as it should have been accepted the first time. Ocwen can not give us approval to close the day after on the XX/XX/XXXX and then a week later tell us that we could not close on the XX/XX/XXXX. This will be a title insurance issue and the buyers and the sellers will sue. 

This needs to be rectified XXXX. We can not re-submit the short sale package - Ocwen needs to do what they said they would do and honor the closing from the XX/XX/XXXX. I am sure that the recorded conversation from XX/XX/2016 can be subpoenaed if necessary.
Consumer complaint received 2024-11-12
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Status updated XXXX. This account is out of date, reported inaccurately, and incorrect information. It must be removed from my consumer report effective immediately and indefinitely. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.
Consumer complaint received 2017-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I filed a dispute with  XXXX , Transunion, and  XXXX  in reference to the bankruptcy reporting inaccurately on my credit report. They stated that it was reported by the  XXXX  bankruptcy court. I sent a letter to the  XXXX  Bankruptcy court on   XXXX   XXXX   XXXX     and they sent me a letter back stating that the  XXXX  Bankruptcy court does not report to the credit bureaus, and therefore they have no control over the information contained in my report and that I may want to work with the bureaus directly. I Then sent a letter to  XXXX  Transunion, and   XXXX    on   XXXX   advising of the letter that I received from the courthouse and they sent me a letter back stating that this has already been disputed and they will not reinvestigate and I will need to contact the courthouse. I have contacted the courthouse and provided  XXXX , Transunion, and   XXXX   with the information that was given to me and they fail to reinvestigate. It is my understanding that reporting false information is a violation of the Fair Credit Reporting Act, and by them claiming that they received the information from the court, when they did not is a complete violation and that means that false information is being reported on my credit report for the Bankruptcy and  XXXX   XXXX . The tax lien is showing that the courthouse is the furnisher of that when clearly they are not. I called the courthouse for the information pertaining to the  XXXX   XXXX  and they told me the same thing.
Consumer complaint received 2024-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

MOHELA is a horrible lender. The website is unreliable- I have tried to fix it multiple times by calling their customer service. When calling their help desk you need a ssn or account number. Using my ssn or account number does not let me access and I have to wait for a agent but going through the menu there is no way to speak to a person unless you hit random numbers on the key pad. Once doing that you wait 40+ minutes only to be transferred 3 different times to get the help needed. I have had access to my account then following pay period I no longer have access. Then the process starts over again. Horrible service horrible provider. This provider clearly makes it difficult to contact so you accrue more delinquency. Dont even try and get a call back- they never will.
Consumer complaint received 2016-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (IL)

On XXXX/XXXX/XXXX, I received a call from a collection agency named Credit Management, after a few minutes of research on XXXX I discovered this was a collection agency for XXXX. I contacted XXXX right away, and found out someone opened a fake comcast account under my name and there was a XXXX balance. I explained to them this was not me, I have worked with XXXX to try to clear my name from this account, which has my old maiden name XXXX, XXXX, Currently my name is XXXX, XXXX after marriage. They keep insisting it 's an identity theft, but no other accounts were opened during 6 months period except XXXX. I have never lived at the address XXXX XXXX XXXX XXXX , il, which this account is under, and from what i understand this address does not even exist. I reside at XXXX XXXX XXXX XXXX XXXX, il XXXX, i been living here for over 8 years. I used to have comcast service, and disconnected it XXXX/XXXX/XXXX, and the fake comcast account was created exactly 5 months from the date i disconnected it. I went to the actual office to disconnect my service, the XXXX office is located at XXXX XXXX XXXX, XXXX, il. I also have asked XXXX to provide me with a actual bill owed which they keep sending me XXXX. XXXX also stated that i 'm in collection, but when i ran my credit 2 weeks ago to see if there were any other accounts opened under my name the credit report does not even show the fake XXXX account. I have also asked XXXX to make sure that they do n't have more than one XXXX XXXX in their database, since my name is very common, maybe someone made an error, but they told me that my social security number is attached to it, so that makes me wonder how come they had this account opened for six months, not one employee noticed that not one payment is being made to this account, they also had me on collection they claim, so how come it does not report on my credit? Also why they refuse to send me a bill that states this is the amount that 's owed instead they send me XXXX bill, when i went to file a police report that 's exactly what the police department said, what is this this bill states you have a balance of XXXX. What 's even more interesting is that this fake account was addressed XXXX, XXXX, Il, but this address does not exist, but when i told that to XXXX they claim it des. I am a new mom this is causing a lot of stress on me. There is just something not right with this XXXX office on XXXX and XXXX, and XXXX is covering up, there possibly could be internal identity theft within this office, and there could be many more victims, this needs to be investigated.
Consumer complaint received 2016-12-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (CO)

Experian keeps putting Fraud Alerts on my file when I did not ask them to. They are saying that I am disputing information in my file which is not True. I have challenged the inaccuracies in my report and have asked them to supply physical verification of each negative item per section XXXX or to remove the items. They refuse to do so. Instead they keep putting fraud alerts on my file to avoid obeying the law
Consumer complaint received 2016-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I disputed information on my Experian Credit report that did not belong to me. There were XXXX adverse accounts from XXXX that I was unfamiliar with. These accounts belonged to someone with a different address, last name, and social security number. On XX/XX/XXXX I received a mail correspondence from Experian, report number XXXX ( attached ) finding in my favor and that all XXXX negative items were deleted from my credit report immediately. On XX/XX/XXXX I logged in to my Experian credit tracker account and notice that all of the previous adverse accounts removed from my credit report 21 months ago had been reinserted with no notice of investigation or certification of accuracy of information. as required by the Fair Credit Reporting Act. I filed the appropriate dispute with Experian on XX/XX/XXXX to get these items removed. I received a response from Experian on XX/XX/XXXX Report Number XXXX in which they decided to delete XXXX of the XXXX accounts which are all the same accounts from the same alleged debtor, XXXX that had all been deleted 21 months ago. There is no reason to not delete all of these account I have proven that they are not mine. They are exactly the same name and dollar amount as the ones deleted 18 months ago. My complaint is that Experian has failed to follow the laws of the Fair Credit Reporting Act by not giving me proper notification of investigation, or certifying the information that was previously deleted by them 18 months prior.
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

On or around XXXX XXXX, 2016 a dispute involving inaccurate credit reporting data was submitted to Experian in regards to an unverified late payment. FCRA requires results be investigated in 30-45 days and notifications made. On XXXX/XXXX/16. I received online notification of other results but never for XXXX account XXXX which is negatively impacting my credit and has not been verified showing a late payment. My dispute for this account was never addressed.
Consumer complaint received 2016-12-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal TransUnion credit report. The mail comes back " not deliverable as addressed- unable to forward. '' If TransUnion is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance!
Consumer complaint received 2016-12-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

WELLS FARGO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ADRESS : CREDIT BUREAU XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you WELLS FARGO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WELLS FARGO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2016-07-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

There seems to be a mistake. I submitted a Qualified Written RESPA Request and Select Portfolio Servicing told me to go fly a kite. 12 USC 2605 clearly states that within 30 days the financial institution owes me a substantive response. 
Select Portfolio Servicing has NOT provided me with any response other than the tell me to XXXX. there is a missing security which will be reported to the FBI. 
The Qualified Written RESPA Request was sent Certified Mail XXXX on XXXX/XXXX/2016. 

The default provisions are now in effect.
Consumer complaint received 2016-12-06
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION (VA)

Hello. 
I have a second mortgage with Indymac, but now had transferred to CIT banks ( XXXX ). I have missed a payment for XXXX, due the I was out the country. So I was tried to get current. So I have made every payment since, so in XXXX I have was tried to get current on my loan, so I made my current payment of XXXX, than {$30.00} ( XXXX ) as late fees, than {$130.00} ( XXXX ) and {$210.00} ( XXXX ) and current due payment for the XXXX {$290.00} ( XXXX ) The funds {$30.00}, {$130.00} and {$210.00} had never applied on my account even it shows in my bank statement at CIT my loan information. 
I have calculated since XXXX I have to make {$2000.00} as my due payments, but I have paid them {$2100.00} by end of XXXX. I have still own them payment for the XXXX and it 's good until XXXX XXXX. 
They are keeping tell me that I have own the XXXX payments!!! It 's poor calculation from BANK ( financial institution ), as I showed my total paid above. How can I be confident that they can even manage my account? They are still reporting that I 'm late to Credit report organizations. 
So I want them 1. Fix this problem 2. Fix my bad credit report. 
I have attached the statement as I printed from their website. As you can see funds {$30.00}, {$130.00} and {$210.00} had never applied to my account if you will look at Principal and Interest columns. 
Thank you