davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

My husband and I have a 2nd home condo mortgage with Ditech. 
the mortgage was an ARM mortgage that changed in XXXX XXXX and became 6.625 % fixed mortgage. 
We were solicited by Ditech to refinance. 
My husband started discussing this with an agent in XXXX XXXX. 
Ditech stopped my paper statements in XXXX XXXX. 
I had the mortgage payment automatically set up with my bank and continued to pay my monthly payment on time to Ditech. 
I realized that my payment had changed and that I was not getting paper statements in XXXX XXXX. 
During this time we found out that Ditech stopped applying my payment and instead listed it as " funds in suspense '' Ditech reported our mortgage as being late to the credit monitor companies. 
On top of this, Ditech said our mortgage was an extra XXXX a mth, and that we were behind XXXX and they charged us a late payment. 

To this date my husband and I have ; 1 ) We stopped the refinance request because it looks like Ditech wanted to put us in a short sale and to do this they had to show we could n't make our mthly payment. 
2 ) Requested to have paper statements sent to us again so we could see how they were applying our money to the mortgage 3 ) We have paid the extra XXXX for 2 of the 4 mths we are behind. the next two will be paid this mouth.
4 ) We paid a late fee of XXXX XXXX ) We paid an escrow shortage of XXXX we were billed for during this time. 
6 ) We asked Ditech to take away the report to the credit monitoring companies that show we were late on our mortgage and they would n't do this for us.
Consumer complaint received 2024-11-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2018-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capitol one credit card, called them, my payment on XX/XX/XXXX went through for a couple days and then went back to unpaid when I wanted to just pay it in full then. They wrote missed payment on my credit report even though their system was faulty and did not let me pay I would like a credit update because of that. Now I have {$100.00} in interst and late fees and they said they cant do anything about it because card Is closed and I have to pay those fees so On XX/XX/XXXX I made sure to pay my balance on card in full and asked it to be closed For good and balance said XXXX on account because I paid it. 
Now on XX/XX/XXXX it says 7.20 interest charge. But I paid already on time and they are stealing from me.
Consumer complaint received 2018-02-12
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. (CA)

I tried disputing this two years ago and the address is incorrect. It does not belong on my profile. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
Consumer complaint received 2024-11-07
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. (IL)

I am seeking your help regarding the incorrect account appearing on my credit report. This concern has impacted my reputation as a customer, and Im requesting your assistance. Please ensure these accounts are removed as they are inaccurately and negatively affecting my report.
Consumer complaint received 2024-11-07
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. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CA)

I just looked at my billing statement and noticed I had a fee for " debt protection. '' I never signed up for debt protection. I use automatic payments and have done so for years. I decided to look at past statements and was able to access statements going back to X/XX/15 and they all show that I have been charged every month for " debt protection. '' This is not a service I need, want, or authorized. After an internet search I saw that many other people have encountered the same issue and have gotten nowhere with Citibank to remedy the situation. I tried calling the number on the billing statement but could not reach an actual person. The credit card is for BestBuy and was originally issues by XXXX but is now serviced by Citibank.
Consumer complaint received 2024-11-07
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. (IN)

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 2024-11-07
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. (IL)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2017-11-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST NATIONAL BANK OF OMAHA (SC)

I paid my balance with FNBO on X/XX/17 ( see attachments ), but I continue to accumulate late payments on my credit report ( see attachments ). I demand that these late payments be removed. This is a violation of the FCRA. If I do not get results here, I will sue them again.
Consumer complaint received 2024-11-07
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. (TX)

Dear CFPB, I am filing a complaint regarding repeated inaccuracies on my credit report, including incorrect addresses, employment history, name variations, and unauthorized inquiries. Despite contacting the credit bureaus to request corrections, these errors persist, causing potential harm to my credit profile. I have never lived at the listed addresses, the employment history does not reflect my recent work, and multiple inquiries appear that I did not authorize. These inaccuracies not only misrepresent my profile but also constitute a violation of the Fair Credit Reporting Act ( FCRA ). I am seeking the CFPB 's assistance in ensuring the credit bureaus conduct a proper investigation and correction process to maintain accurate reporting, as these errors may impact my ability to access credit and other essential services. 
Thank you for your attention to this issue.
Consumer complaint received 2017-11-06
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE (GA)

I was asked to obtain a money order as a deposit to rent property. I obtained the money order in the requested amount from XXXX and submitted to the real estate agent for XXXXXXXX XXXX XXXX. I wrote " XXXX XXXX XXXX '' on the money order. Thereafter, the lease fell through. The agent returned the money order. I have since taken it to my local bank, spoken to my on-line bank and the XXXX at the same location of purchase. I have the money order and the receipt in my possession, and the payee is in my handwriting. 

XXXX advised that vendors are not permitted to accept returned money orders. They referred me to the Western Union website and the XXXX telephone number. The number is a recorded line and there is no option for an agent. 

Basically, I have {$500.00} tied up in a worthless piece of paper, and I want my money back now. Western Union voice recording requests {$15.00} to be paid in advance to them to " refund '' a money order. That is akin to a stop payment on a check, but I have possession of the money order. The {$15.00} fee was never discussed prior to obtaining the money order, nor was the length of time to obtain a return of my funds. 

How can I get my money back without further expense or additional time?
Consumer complaint received 2017-11-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MN)

I leased a XXXX XXXX 3 to 4 months ago from XXXX XXXX XXXX. I told them I needed my lease payment due date changed from the XX/XX/XXXX of the month to the end of the month they said no probllem just contact XXXX XXXX they will change it. I called them and requested it be changed they never did it. I called again following month told them to please change it they didnt, I called again a 3rd time and told them to change it and they said they would but didnt now they claim they cant change it due to some requirements I was never made aware of
Consumer complaint received 2017-11-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: United Debt Holdings, LLC (CO)

Step 1 : What is this complaint about? 
Tried to submit the payoff information from XXXX XXXX XXXX - Submitted information to the XXXX XXXX XXXX XXXX Step 2 : What type of problem are you having? 
Resolving the issue with all parties concerned. 

Step 3 : What happened? 
Unable to get resolution of how my information from XXXX got in the hands of XXXX XXXX XXXX. 

Step 4 : What company is this complaint about? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-28
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: TD BANK US HOLDING COMPANY (NJ)

I paid off my auto loan with TD Bank Auto Finance in early XX/XX/XXXX. I waited a few weeks for my title to come and eventually sent a message via their secure message center on XX/XX/XXXX. I received a message back saying the following : " Thank you for reaching out to TD Auto Finance to request your motor vehicle title. We reviewed your request and confirmed we released your title on XX/XX/XXXX to the address on file. If you have any other questions or need more help, please let us know. We value you as a Customer and are here to serve you. Thank you for choosing TD Auto Finance. Sincerely, XXXX XXXX Problem Resolution Specialist TD Auto Finance ''. 

Upon not receiving it by the XX/XX/XXXX, I called customer service and was told that the title was actually released on XX/XX/XXXX, which is the first instance that I felt was deceptive during this process. The associate told me that the title would be here by the XX/XX/XXXXat the latest. Upon still not having my title by XX/XX/XXXX, I called customer service again and was told this time that it would be here by the XXXX. I asked to speak with a manager, explained the situation and was now told that they could not guarantee when I would receive the title, contradicting both of the associates that I'd spoken with prior to then. 

I no longer know when I will actually receive my title and have lost out on 2 opportunities to sell my car because of the delay and false information from TD Bank.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Relations XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Dear Consumer Relations Teams, I am writing to highlight the importance of the Fair Credit Reporting Act ( FCRA ) provisions regarding the accuracy and completeness of consumer information reported by your agencies.

As you are aware, Section 611 of the FCRA empowers consumers to dispute inaccuracies in their credit reports. This section is crucial for maintaining transparency and ensuring that the information provided by credit reporting agencies is as accurate as possible.

To emphasize the significance of accurate reporting, I would like to bring to your attention the following account caps that must be correctly reflected in consumer credit reports : Accounts : XXXXXXXX XXXX XXXX XXXX : {$49000.00} XXXX  : {$1400.00} XXXX XXXX : {$420.00} XXXX XXXX : {$1400.00} XXXX XXXX  XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$530.00} The accuracy of this information is essential, as it can significantly impact consumers ' creditworthiness and their ability to secure loans, housing, and employment opportunities. Therefore, it is imperative that your agencies prioritize compliance with the FCRAs requirements and ensure that the information reported is accurate and complete. 

I appreciate your attention to this important matter and look forward to your commitment to upholding the integrity of consumer reporting. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/XXXX XXXX in credit company complaints me, because I have not paid, the amount is {$1300.00}, and close my XXXX XXXX CARD account, and in XX/XX/XXXX updated complaints, I am XX/XX/XXXX through XXXX repaid the {$1300.00} telephone customer service, the use of XXXX XXXX debit CARD, bank have been generated to make records, and payment is successful, but I have not received any receipt, and credit report has not updated, or reality I outstanding arrears. 
Most importantly, from XXXX to XXXX, I have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXX XXXX CARD, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
Now I have paid the arrears, but they did not update the complaint, nor did they give me the receipt.My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.
Consumer complaint received 2024-11-07
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)

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX  XXXX Account XXXX  Date Opened : XX/XX/XXXX Amount : {$5700.00} XXXX XXXX XXXXXXXX Account XXXX  Date Opened : XX/XX/XXXX Amount : {$3600.00} XXXX XXXX XXXX  Account # XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Amount : {$6200.00} Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-11-07
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)

I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2017-11-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

XXXX. XXXX faxed insurance check to be cosigned by Bank of America. Called on XXXX XXXX regarding status and they only " scanned '' check on the XXXX of XXXX. Today is the XXXX of XXXX and still have not received cosigned check. Their policy states the check will be cosigned and returned in 4 business days.
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (MA)

I mailed a certified letter to XXXX XXXX starting XXXX/XXXX/XXXX with the following information : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay you. The debt was stated to belong to MCCarthy, Burgess & Wolff. I sent another letter requesting validation of the debt and received nothing that provided valid proof that the debt was mine. The debt amount is said to be {$2700.00}.
Consumer complaint received 2017-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

I submitted an application to revise my payment plan from IDR to PAYE/ REPAYE on XX/XX/XXXX. My IDR payment amount was about {$540.00}. I had NO choice but to allow my account to go into forbearance to permit this.
At the beginning of XX/XX/XXXX when I got updated information, I spoke with a customer service rep which told me I had no choice but to pay a forbearance amount that would NOT count towards my PSLF. If I paid, I would have my new repayment amount for XX/XX/XXXX. The amount wouldnt be direct debit, so Id have to pay manually. I signed in and paid {$540.00} on XX/XX/XXXX. It was due XX/XX/XXXX.
At the end of XX/XX/XXXX around the XXXX or XXXX, I called FedLoan again to ask when I would know my new repayment amount and roughly the amount. They told me about {$470.00} and I should know within 2 weeks.
This morning I received an email for payment. I signed in expecting to see my new repayment amount, but instead I see they are charging me {$970.00}. Panicked, I called to find out if there was some error that they would easily fix.
I was told they couldnt process my new plan in time, so I now have 2 choices : choose forbeance and delay my PSLF by yet another month, or pay {$970.00}. My new repayment plan will probably start in XX/XX/XXXX.
I asked why its done this way each time Ive called. Each time Im told this is the way the federal government chooses to do it. This is extremely discouraging. I opted to change my repayment plan to help improve my situation. If Id known it required essentially delaying my PSLF by 2 months and mountains of stress, I probably wouldnt have done it. This process is disheartening and demoralizing.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

My credit report is being negatively impacted by a creditor that repeatedly send inquiries regarding a debt that I had disputed and that they neglected to correct ( or offer an explanation ). They also failed to report the dispute to the credit reporting agencies and continue to submit multiple inquiries to the agencies stating the exact erroneous information.
The majority of these inquires either do not reflect any information ( just notes N/A ) or repeats previous information like " account closed ''. In just a 4 week period ( XX/XX/XXXX thru XX/XX/XXXX ) the creditor made XXXX inquiries with one of the credit reporting agencies ( XXXX ) even after they reported the account was closed. 

This tactic is obviously having a negative impact on my overall credit score and appears to be designed to make it look like there are numerous negative activities rather than the single one in question. 

I am requesting that this creditor be compelled to stop this practice and reflect that this debt was disputed and not resolved without providing me with a definitive explanation.