davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CA)

I am missing {$1800.00} in principal payment not applied to my account when my loan transferred from caliber to us bankwhen my loan was set up with caliber I went on a biweekly I made {$1800.00} on XXXX XXXX, {$1800.00} XXXX XXXX, {$1800.00} XXXX XXXX, which paid half of XX/XX/XXXX payment. i still owed the other half of XX/XX/XXXX and my loan was transferring to us bank starting XXXX XXXX was told by caliber to stop the biweekly automatic payment which I did. 
since I was on a biweekly, I totally forgot that I made half of XX/XX/XXXX 's payment on XXXX XXXX, so I went ahead and sent them a check from my bank thru bill pay for the full mortgage payment which was {$3700.00} ck # XXXX. 
my bank mailed it but caliber did n't receive it and I did n't want to be late, so I called them on XXXX XXXX, they said check was n't received in their system yet. so I was advised by their representative to make a payment over the phone and stop payment on the check that was mailed. I was also informed that I only owe half a payment which is {$1800.00} since I already paid the XXXX half on XXXX XXXX. 
so they took a payment over the phone for {$1800.00}. 
the next day, the {$3700.00} check went thru to caliber ; caliber, and according to them, applied it to my account although there was a stop payment on it. 
when my loan transferred to us bank, I setup automatic payment deduction for {$3700.00} plus an additional {$200.00} to principalwhen the XXXX auto deduction was made in XX/XX/XXXX to cover XX/XX/XXXX payment, us bank took it and sent it to caliber because I had a stop payment on that check and caliber applied the $ $ to my account. 
so I made the payment to us bank over the phone to cover XX/XX/XXXX 's payment. 
nobody seems to understand my situation here, which is real simple : caliber only applied {$1800.00} of my {$3700.00} towards principal, and I am missing the other {$1800.00}. 
I need assistance in looking at my payments made to both banks and resolving this issue asap, it is very frustrating to deal with this issue. no communication between lenders whatsoever.
Consumer complaint received 2015-05-04
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Shellpoint Partners, LLC (TX)

XXXX XXXX XXXX illegally and without any authority from the Trustee transferred our loan to Shellpoint Mortgage Servicing, I filed an appeal with Shellpoint regarding the our eligibility for a MHA HAMP Tier 1 modification and requested thorough documentation of the process, including an NPV. To date Shellpoint has not responded to our appeal, dated XXXX XXXX, 2015 ; and is having their vendors call and harass us, stating they are giving us " verbally '' notification of foreclosure. These vendors are in XXXX or XXXX. This is also illegal and this office need to contact XXXX, a MHA participant for not complying with the rules and guidelines in which cfpb is to enforce compliance. Furthermore, I have disputed the manner with cfpb, and to date no assistance what so ever.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-11-21
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. (CA)

Subject : Request for Assistance in Resolving Credit Report Issues Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally request your assistance regarding serious discrepancies found in my credit report. After obtaining a copy of my credit report, I discovered numerous unauthorized inquiries, as well as variations of my name and outdated addresses associated with my report. 

Despite my efforts to resolve these issues by sending multiple letters to the credit reporting agencies, I have yet to receive a satisfactory response or resolution. These inaccuracies not only affect my creditworthiness but also represent a significant source of stress and concern. 

Specifically, I would like to outline the issues I am experiencing : XXXX. Numerous unauthorized inquiries that I did not authorize. 
XXXX. Variations of my name that do not accurately reflect my legal name. 
XXXX. Outdated addresses that should no longer be associated with my credit report. 

I believe that these errors XXXX be contributing to a negative impact on my XXXX XXXX and overall financial history. I kindly request your support in facilitating the correction of these inaccuracies and in assisting me with the removal of the unauthorized inquiries. 

Enclosed are copies of the relevant documentation I have previously sent to the credit reporting agencies, as well as copies of my credit report highlighting the discrepancies. 

Thank you for your attention to this matter. I trust in your commitment to consumer protection and look forward to your guidance on how best to resolve these issues XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX View prior addresses TransUnion XXXX XXXX XXXX XXXX XXXX, ca XXXX View prior addresses XXXX XXXX XXXX XXXX XXXX, ca XXXX View prior addresses XXXX None Match
Consumer complaint received 2024-11-21
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. (CA)

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent auto loan by XXXX XXXX XXXX - ( PARTIAL ACCOUNT NO : XXXX .... ) was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.
Consumer complaint received 2015-10-26
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (CT)

After system glitch, I am missing XXXX dollars due to incorrect balance projected. Funds were also removed from my saving account without concent and removed from my transaction history. I have contacted rush card for over 2 weeks without a resolution I 've been avised it would be resolved at the highest priority. No one has us reach out to me via phone email and or XXXX on social media. I have multiple screen shots proving unauthorized activity.
Consumer complaint received 2024-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2015-08-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (RI)

We purchased a ring at Zales on XX/XX/XXXX. They had an 18 month XXXX interest financing promotion so we decided to take advantage of it. We financed {$6900.00}. We had an auto pay set up with Zales/citibank, they told us that they would notify us in writing when the promotional rate was going to be over so that we would pay the balance off in full. On XX/XX/XXXX, they call us and say that we owe them money and that it was a collection. We were shocked as we had been paying through autopay all along. Then they tell us that we owe an additional XXXX because the promotional rate expired. We told them we should have been notified in writing when the promotional rate was going to expire so we could pay off the balance and when our auto pay would cease. This was never disclosed to us when we purchased the ring. The promotional rate when we called expired on XX/XX/XXXX. They do not give appropriate disclosure regarding financing and it is a big issue trying to get in touch with someone to help resolve this.
Consumer complaint received 2015-09-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

I received a letter from Transworld Systems Inc. trying to collect {$56.00} from me from The City of XXXX XXXX Fire Department. I called Transworld and asked what the alleged debt was. The " customer service '' rep was extremely rude and could not even tell me why I owed the amount. I called the City of XXXX XXXX Fire Department and they said they were collecting on an amount that I already paid. No one will correct the situation even though I paid the original amount of {$24.00}. Now they are trying to collect an fabricated number that I do not owe.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2015-10-12
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (NY)

I had a card account with XXXX card made every single payment on time, they decided to add a annual fee to my account so I asked them to close my account, since then they are charging 20 % APR it will take over 18 years and XXXX dollars to get completely paid of. 

Please help me out with this issue I do n't have extra money and this is very hard on me. 
Thank youXXXX XXXX
Consumer complaint received 2015-05-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (VA)

I am set up on a rate reduction plan where XXXXNavient auto drafts their payment from my checking account. The payment amount is XXXX from my account is. For the last statement that I received, there 's a late payment charge on there. I 've never been late on an auto draft .... I am under the suspicion that they are trying to sneak in fees to further inflate what I owe. Also, my billing statements do n't seem to add up. Online it shows no more than XXXX or so but I 'm being drafted for about 4 times as much. I understand that paying more will help pay this down but I am already struggling to make these types of payments with my wage. 

They started me on this program last year and it seemed to take a while to kick in. When I called to ask, they gave me some crazy excuse of the payment not going through and tried to make me pay a higher price because " I was late ''. I checked with my bank and all of my money had been there the whole time. I would really like you guys to pull the recordings from last year. I believe they were looking for a way so that I could n't pay the {$550.00} each month but more instead. Their sneaky antics seem fraudulent to me and I 'm not happy to be dealing with this predatory lending experience. 

Also few years ago XXXX XXXX has called my co signers repeatedly even after issues were resolved.
Consumer complaint received 2024-11-22
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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-10-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Many years ago we entered into a revolving equity loan/, mortgage with XXXX Bank XXXX which became XXXX Bank and finally Bank of America XXXX The loan was upgraded several times. However, we learned in XXXX or XXXX of this year while attempting to move to a credit union - that XXXX of the prior equity, line of credit loans had not been extended but a new mortgage issued - without the old mortgage being discharged of record. The Title search XXXX and other necessary information was sent to BOA at least 2 times - and by me at least XXXX more. We have lost the good deal offered XXXX - as the application expired & there was the outstanding lien. 

As my attached records show which has not been disputed by BoA ; the unsatisfied mortgage was fully paid upon the extension of the line of credit equity loan at that time 2001- and this has not been disputed. 

I will attach the information for your consideration and action. Our request for satisfaction was acknowledged twice by BoA- I will attach. When we followed up at the time frame BoA gave itself - the person called ( number given to call XXXX had no records nor interest in looking for them. We were again requested to fax all the documents again. 

We request help in getting a lien which has been paid - discharged of record and other just relief - as we lost a good deal XXXX - and are forced to continue with the BoA deal. 

Under the choices below, it does not easily fit but is " loan servicing '' as refusing to discharge of record a paid equity loan line of credit. Also we request only written responses or email responses from Boa. Please BoA - DO NOT CALL.
Consumer complaint received 2015-05-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (CA)

I paid a medical debt online to the California XXXX XXXX and a confirmation email receipt was received. Neither the collection company nor the original debtor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) would honor the receipt, despite proof of payment. The debt company representative called me and he threatened to " destroy '' me and ruin my credit and said " You 'd better give me your information and pay or else I will destroy you! '' He continued to harass and me and frightened me. I was concerned for my safety. Of course I did not want to give him any additional personal information. I was shocked by the call. I contacted XXXX XXXX ( hospital ) and told them what happened and they said they would not allow California XXXX XXXX to contact me anymore and they asked for the email showing proof of payment. I provided the email with proof of payment many months ago and I am now again receiving collections letters from California XXXX XXXX demanding payment with interest. I do not want to contact them again to try and resolve because I am afraid of continued harassment and that they will seek to destroy my credit, and for a debt I paid. I 'm also concerned XXXX XXXX is not working productively with their contractors and are hiring unprofessional contractors who harass and threaten people to collect debt, and then XXXX wo n't accept their financial payment verification and are now asking for XXXX payment.
Consumer complaint received 2024-11-22
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)

I am writing to dispute the inconsistent information regarding the closure date of a credit card account listed on my credit report. Specifically, the closure date is reported differently on my credit report from Transunion, XXXX, and XXXX. 

I am requesting that you investigate this matter promptly and take the necessary steps to correct the inconsistent information. I have attached copies of documents that support my claim. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to a written verification or rebuttal of the disputed information. I also request that you notify all creditors who have received my credit report containing the disputed information.
Consumer complaint received 2024-11-21
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. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt 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 CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 2024-11-22
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. (MS)

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). ( XXXX XXXX. XXXX XXXX, XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have XXXX accounts reporting on my consumer report that have late payments in the payment history. These accounts are inaccurate and need to be updated XXXX paid as agreed, paid on time, never late. I have never been late on any of my payments. ( XXXX XXXX, XXXX XXXX XXXX )
Consumer complaint received 2024-11-21
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. (MS)

I started working with a credit repair specialist by the name of XXXX XXXX in XXXX of XXXX. I allowed them to access my personal information and attempt to correct credit errors and repair on my behalf. It was a paid service, so I was expecting a successful outcome. The named did not only place a freeze on my report, but ran my credit through several different companies and opened up phones in my name. I have tried to contact this person, but they have disabled any contact info I had and is M.I.A. Now I am finally trying to buy a car in my name and my credit is terrible.
Consumer complaint received 2016-08-08
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: WLCC (OK)

I had to close my bank account to prevent Green Circle from taking money out of my account! ( XXXX XXXX XXXX, XXXX XXXX, XXXX ) Now I 'm receiving threatening e-mails from Green Circle stating that they are going to contact my references, and I received 2 emails from Green Circle that they are going to do a Wage Assignment ... last time I checked I did not volunteer for a Wage Assignment and two I realized that Green Circle is n't licensed!!!