davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

I filed a complaint with the necessary appended documents against Ditech on XX/XX/XXXX with CFPB and it is case number XXXX. On XX/XX/XXXX Dietech responded to the complaint in an unsatisfactory fashion. I expect to know when I will get clear title to my property, a detailed accounting of my escrow account and evidence that my credit history is clear of anything related to Ditech. I paid my mortgage off XX/XX/XXXX and this is still open. The contact telephone number given by Ditech allows only for a recorded message to be left. Once again they are avoiding any contact with clients.
Consumer complaint received 2024-10-22
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. (CA)

I am filing a complaint against XXXX, XXXX, and TransUnion for failing to respond to credit disputes filed over XXXX  days ago. Despite multiple efforts to address inaccuracies, I have not received any acknowledgment, investigation results, or updates regarding the disputes. These inaccuracies involve the XXXX account and an erroneous bankruptcy reference, which have not been properly verified or corrected. 

XXXX removed the XXXX tradeline after my dispute through CFPB XXXX # XXXX, but XXXX and TransUnion failed to address or resolve the issues. The continued reporting of these inaccurate items has severely impacted my credit score, resulting in denials of credit and ongoing financial harm.
Consumer complaint received 2024-10-23
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. (AZ)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-10-23
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. (MD)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-10-23
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. (GA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-08-25
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: EQUIFAX, INC. (FL)

XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX CARD SER, XXXX XXXX CITIZENS BANK, XXXX XXXX XXXX XXXX BANK XXXX, XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX BANK XXXX, XX/XX/XXXX 2023
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Amount Owed {$68.00} False Reporting to my credit profile and hindering me from acquiring credits and home. 


Please delete collection immediately. 

Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$68.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$68.00} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$68.00} Highest balance - Terms 68 Months On record until XX/XX/year>XXXX XXXX
Consumer complaint received 2016-04-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (UT)

I have an issue regarding a mortgage payment I am trying to get corrected. My wife and I have a mortgage that was opened XXXX XXXX and we began making payment to our loan servicer ( Lender Live ) on XXXX/XXXX/XXXX. As of XXXX XXXX our loan was sold to XXXX XXXX. I had made the payment for the XXXX/XXXX/XXXX due date through Lender Live on XXXX/XXXX/XXXX, however, when Lender Live sent my loan information to XXXX XXXX, they advised XXXX XXXX that I was still due for the XXXX/XXXX/XXXX due date instead of the due date of XXXX/XXXX/XXXX. At this point, I have spoken with Lender Live customer service a few times and unfortunately they have not been very helpful to resolve this. XXXX XXXX has provided me with copies of the documentation they received from Lender Live and it does show that the payment was still due for XXXX/XXXX/XXXX. At this point, I am needing Lender Live to get in touch with XXXX XXXX to provide them with the correct documentation showing that the first payment I was to make to them was XXXX/XXXX/XXXX or else have the XXXX/XXXX/XXXX payment sent back to me so that I can send it to XXXX XXXX myself and receive credit for it. I hope this makes sense and hopefully you can point me in the right direction to get this issue resolved. 

Thank You! 
XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (MD)

I was charged two bogus overdraft fees " engineered '' by PNC bank. ( Please see attached screen capture with notations. ) On XX/XX/XXXX I checked my balance and saw that I had a low positive balance. So on XX/XX/XXXX, I deposited a check for {$250.00} to that account because I knew that I had two checks totaling {$230.00} that had not yet cleared, and I wanted to make sure that they were covered. <P/> On XX/XX/XXXX, I again checked my account and saw that the deposited had been credited and that after that the two checks had cleared. This resulted in a positive balance of {$15.00}. <P/> XX/XX/XXXX was a bank holiday, but because I had made a {$25.00} online purchase, I transferred {$25.00} from my other PNC checking account to that PNC checking account. That would, I knew, give me a balance of {$15.00} + {$25.00}, for a total of {$40.00} -- more than enough to cover the {$25.00} purchase and still leave a small positive balance. <P/> On July 5, I checked to see if the {$25.00} purchase had gone through, which it had. HOWEVER, on that same date PNC had FIRST posted an " engineered '' {$36.00} overdraft fee on my positive balance of {$15.00} ( which threw my balance into the negative ), and THEN they put through the {$25.00} charge ( which now was n't " covered '' because the {$36.00} fee had " taken '' some of my {$40.00} balance ), and AFTER THAT they finally credited my supposedly " instantaneous '' PNC to PNC transfer from the day before -- thus resulting in another " engineered '' overdraft fee.
<P/>
I called PNC around XXXX XXXX on XX/XX/XXXX and spoke to a male representative ( he quickly gave his name at the beginning of the call, but I did n't understand it ; and after we had talked he ignored my request for his name or bank ID number ). He said that he could not help me because his request to refund the charges was denied by the computer. When I told him that I was going to complain to regulators if this was n't properly resolved, he laughed. ( So much for low-level customer service at PNC. ) He then put me through to his supervisor, whose name sounded like " XXXX XXXX. '' She promptly announced that she was recording the call. When I said that was fine because I, too, was going to record the call, she told me that I " was n't allowed '' to do that. I informed her that under Maryland law that I was allowed to record a call if I let the other party know that I was doing so. She kept insisting that I was n't allowed to do that, and then said that she would not talk to me if I recorded the call. ( You can verify that exchange, I imagine, since she said our call was being recorded on her end. ) She said that she was escalating the call. She then escalated the issue to her supervisor.
<P/>
I ended up getting her supervisor 's voice mail, and I left a detailed message with a return phone number. The supervisor 's name was spoken quickly, but it sounded like " XXXX XXXX. '' I have not heard from him.
Consumer complaint received 2017-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (PA)

I submitted a balance transfer request from my cc account with XXXX XXXX to my Chase Freedom cc in early XXXX. The transfer was processed on XX/XX/XXXX but the transfer amount was sent to the wrong account and My XXXX Card was never credited. I called on XX/XX/XXXX to notify Chase that I had not received the credit to my other credit card and was now carrying two balances. They informed me it could take up to 30 days to rectify but likely less than that. I have contacted Chase twice since the initial contact. Each time I am told they can not help me and someone is working on it. However, 30 days has passed and I have yet to receive a resolution and am now paying for twice the cc balance due to their unwillingness to cancel the transfer or rectify the situation. I am currently looking into what legal recourse I can pursue in order to reclaim the {$8400.00}.
Consumer complaint received 2024-10-23
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. (TX)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-04-07
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CHECK INTO CASH INC. (OH)

A company called XXXX XXXX XXXX XXXX has been calling me as well as several other people I know harassing me and them that I pay this bill. The # they are calling from is XXXX. When I have tried to ask them details about this loan they will talk over me and threaten to get in contact with me employer. They 've also said that they are going to file a criminal and civil complaint against me and have my license suspended. I 've asked them in several occasions to email me the information so I can look over it. They refuse to do so and said that they have plenty of times and that I better pay.
Consumer complaint received 2016-03-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (ID)

I fell behind on student loans, not because I did not want to pay, but because we could n't pay. We have finally gotten to a point where we can begin making regular monthly payments starting in less than 30 days. Unfortunately, I had XXXX private student loans that went into default at the end of XXXX of XXXX. The accounts have been sent to collections. The collections companies refuse to work with us on payments. They are requiring large amounts of money right now and threatening to ruin our credit scores if we do not comply. We are unable to comply. We have tried calling the original loan servicer to set up monthly automatic withdrawals if they will just bring our loans back out of default. They refuse. All I am asking is that they take these accounts out of default and allow us to set up payments. We are still willing to set up automatic withdrawals. We want this resolved in a way that is not catastrophic to our credit scores or our ability to provide for our family. I hope that we are able to convince the original servicers to work with us, as we are willing and now finally able to pay.
Consumer complaint received 2017-07-07
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with a trade-in
Company: VW Credit, Inc (UT)

I am from XXXX and speak OK English ( I have asked a friend to type this ). My husband and I purchased a car from Volkswagon XXXX XXXX in XXXX Utah. We decided we did not like the car so we went to another dealership to trade the car in on another purchase. After the purchase was finalized on the new car the new dealership called us back and told us that the XXXX car was a lease and not a sale ( we did not know this ). We thought we had purchased the car and did not know what a Lease was. On XXXX/XXXX/2017 we went to the XXXX dealership and returned the car so that we could keep our new car ( we have a signed letter from from the XXXX dealership stating they received the car back on that day ). We then noticed that our Volkswagon payments for XXXX 2017 and XXXX 2017 continued to be pulled from our bank account, so on XXXX XXXX, 2017 we returned to the XXXX dealership and spoke to the person who had accepted the car ( XXXX XXXX ) who confirmed he had received the car back and wrote us the letter stating he had received the car on XXXX/XXXX/17, he then contacted other people to tell them to stop billing us for the car. In XXXX 2017 we applied for a mortgage loan and were told that the car was listed on my husbands credit report as 60 days delinquent with XXXX and XXXX payments showing missing which was dropping his credit score significantly.
We called the dealership back and were told that they did not know that they had the car ( although the salesperson said it had been sitting out in the lot for several months ). They had me call the financing company and tell them that we had returned the car and ask them to fix my husbands credit. They have refused to fix the credit and they kept the car for 6 months without removing it from my husbands credit report or reporting it returned.
Last week I spoke with the financing office again and they said the car was auctioned and we now have to pay an additional {$14000.00} before they will fix the credit and they say they will still not fix the credit. We have not received any letters about this yet. They say the car was sold at auction for less than what I owed on it and that is why I owe {$14000.00}. They have refused to provide me proof of what the car was purchased for at auction. If this is the case and a car worth {$26000.00} ( according to the financial office ) was actually sold for only {$12000.00} then I should have been allowed the option to sell the car on the open market myself and recoup the funds instead of the dealership getting paid twice for the car ( once from me and once from the new owner ).
<P/>
No one told us that the dealership would charge us this extra money for returning the car and they have the car and should not be charging us extra money.
The dealership should not be able to continue to charge us for the payments they took after they got the car back in XXXX and they should be responsible for removing the negative debt from the credit.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (NY)

I RECENTLY PUT IN A DISPUTE FOR A VERIFICATION OF ACCURACIES ON THIS ACCOUNT. AFTERWARDS, THIS ACCOUNT MAGICALLY BECAME OPEN AFTER BEING CLOSED FOR ALMOST 3 YEARS. LAST PAYMENT WAS XX/XX/XXXX, CAR WAS REPOSSESSED IN XX/XX/XXXX AT WHICH POINT THE ACCOUNT WAS CLOSED. ON MY XXXX CREDIT REPORT THE STATUS HAS CHANGED TO OPEN BY THE COMPANY WESTLAKE FINANCIAL SERVICES AS PER A REP FROM XXXX AND NOW THE DATE IN WHICH IS IS TO COME OFF HAS SHIFTED A YEAR FURTHER. INSTEAD OF IT BEING REMOVED ON XX/XX/XXXX, XXXX NOW HAS IT TO BE REMOVED IN XX/XX/XXXX. I HAVE TRIED NUMEROUS TIMES TO PAY THIS DEBT ON THIS CLOSED ACCOUNT, THE COMPANY REFUSES TO GIVE ME AN AGREEMENT IN WRITING ON WHAT WE DISCUSSED ON THE PHONE, THIS IS CLEARLY IN RETALIATION TO ME REPORTING THEIR " BOOKY '' WAYS. YOU CAN NOT OPEN A ACCOUNT THAT HAS BEEN CLOSED. FURTHERMORE, THE DATES LISTED ARE WRONG AS WELL. IT IS MY RIGHT UNDER FCRA 623 ( b ) ( 1 ) ( D ) TO HAVE ANY AND ALL INCORRECT INFORMATION CORRECTED OR DELETED IF THEY CAN NOT VERIFY THE FACTS OF THE MATTER, WHICH IS THAT THIS ACCOUNT HAS MANY INACCURACIES! I AM NOT IN POSSESSION OF THE PRODUCT NOR HAVE I REOPENED OR MADE ANY ATTEMPTS TO REOPEN THIS ACCOUNT. I AM NOT RECEIVING MONTHLY STATEMENTS OR MAKING MONTHLY PAYMENTS NOR IS THERE A CONTRACT STATING SUCH.
Consumer complaint received 2015-08-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Loan Science, LLC (CA)

I am unable to pay the full payment amount which is $ XXXX+ per a month for my student loan. I called Loan Science to set up a reduced payment plan. They are only able to offer me a reduced payment plan of {$360.00}. I advised that I am unable to pay that amount. I am only able to afford to pay {$200.00} per a month. They told me that there is nothing that they can offer me right now. But, to check back with them at a later date to see if they have any new programs. I told them that I was trying to set up the {$200.00} payment plan before I received a late payment on my credit report or before the loan went into default. They then told me that once my payment becomes more delinquent they will have other programs that they possibly can offer me for a reduced payment plan. But, why ca n't they just set it up now - why do I have to wait until I have a late payment on my credit report or my account is in severe delinquent status before they will adjust my payment amount. They 've done it before, but only after they dinged me on my credit report for XXXX days late - why do I have to have my credit destroyed before they 're willing to reduce my payment when they could set it up now and I could avoid dings on my credit. That seems wrong to me.
Consumer complaint received 2024-10-23
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. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.