davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-02-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

We would like to request your help in contacting Bank of America or XXXX XXXX XXXX in our behalf. Regarding our second mortgage that we believe we were eligible to be part of the EXTINGUISHMENT Bank of America 's program. 
Bank of America was aware of our financial struggle since the recession.XXXX mortgages were held by them and they tried many times to foreclose the XXXX mortgage on us. We had to stop it by filling for bankruptcy. At some point we thought they were eliminated the XXXX mortgage. Because they were increasing the XXXX mortgage before the loan modification with XXXX. We did n't receive any bills for the second either in our credit report, instead It is a " Secured Deed '' with Scrupulous XXXX. Enclosed is an attachment. Account # XXXX
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

I am the attorney representing XXXX XXXX XXXX in her modification and assumption applications with Ocwen. XXXX ex-husband, XXXX XXXX, has executed a quit claim deed transferring title to XXXX. Additionally, XXXX was awarded the house in the divorce decree. Furthermore, XXXX executed a written authorization giving me permission to speak with Ocwen about their file to help assist XXXX with the modification and assumption. All of these documents have been submitted to Ocwen. XXXX and XXXX both wish XXXX to obtain an affordable loan modification and get the home loan transferred into XXXX separate name. XXXX appears to qualify for an affordable loan modification. I talked with Ocwen representative, XXXX, on XXXX/XXXX/15 and his supervisor, XXXX on XXXX/XXXX/15. Neither were helpful. Representative, XXXX, ID XXXX was rude and had no consideration of the fact that proper documentation had already been sent it in and that the borrowers have been caught in this unfortunate situation for an unnecessarily long time due to Ocwen 's dysfunction. Furthermore, supervisor XXXX was unable to offer any helpful solutions other than to say that XXXX is not listed as a borrower on the account and therefore she can not apply for a modification or assumption until the account has been brought current. Essentially, Ocwen is saying that XXXX has no loss mitigation options available to her. I do n't know why they ca n't see my authorization, or proper documentation giving XXXX borrower status on the account, but I want it fixed immediately, and I want to be able to effectively communicate with Ocwen so all parties involved can move forward towards a mutually beneficial home-retention resolution that avoids unnecessary foreclosure. Ocwen 's staff repeatedly confuses the situation, fails to understand the status of the file, and in my opinion has proven to be negligent and completely incompetent. Supervisor XXXX stated position that XXXX needs to bring the account current before she can apply for a modification or assumption is incorrect and unnecessarily prohibits loss mitigation. Ocwen should be held accountable to applicable guidelines - HAMP, CFPB, XXXX all allow for this scenario of modification and assumption so that borrowers can avoid unnecessary foreclosure. Ocwen 's position discourages borrowers from saving their homes. This will continue to lead to wrongful foreclosures. This is unacceptable.
Consumer complaint received 2015-10-09
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

I have been having multiple uses with Nissan/Infiniti Finance. They have reported multiple late 's on my credit report that were no accurate. They have removed XXXX of the incorrect items, but as of today they have falsely reported me again. I have reached out to their team once again, but each time they do this I have to spend weeks trying to correct. 

On XXXX XXXX 2015, I made a full payment and their bill matrix billing system did not give me full credit for my payment and again they marked me late. This is separate incident from the previously mentioned false reports, but nonetheless is another issue I have had to deal with. 

Their customer service team is extremely poor mannered and have absolutely no intention of every resolving any issue. I have had a Supervisor as me to provide evidence of payments made, after providing them with their requested information they still did n't fix the issue. 

In my opinion this is the worst leasing company I have every dealt with and I will never lease another product from XXXX or XXXX, period.
Consumer complaint received 2015-03-24
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: The Regional Adjustment Bureau, Incorporated (NC)

I have received multiple messages from " XXXX XXXX '', Process Server, stating that they have a certified notice of intent to serve papers on an outstanding debit. I know this is bogus because I do n't have any of these. He stated he will be at my home between XXXX-XXXX tomorrow so have ID on hand, put up dogs and remove guns from premises. I spoke with the police department on this.. they confirmed it was a money scam on a former pay day loan, and the phone numbers were from burner cells. Same person has called back using name " XXXX XXXX '' XXXX Now we have a XXXX XXXX who is also XXXX XXXX and XXXX XXXX XXXX 

Calls are coming from the following numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have written transcripts and phone calls if desired.
Consumer complaint received 2015-10-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Kimball, Tirey & St. John LLP (CA)

I called Kimball & Tierey in response to a letter to collect a debt. I was previously being garnished. I no longer work at the place I was garnished at but I did not want this debt on my credit history so I called to setup a payment. The following conversation occurred : I was not given a disclosure of the attempt to collect a debt. I called the line and spoke to a receptionist who then transferred me to an associate by the name of XXXX. 
Me : " I would like to re-establish payments for my debt I was previously garnished on. " XXXX : " Verify your first name and last XXXX of your social. " Me : *verifies the information* " I want to setup a voluntary payment '' XXXX : `` Ok, what are you looking to pay? " Me : " Well right now I can definitely pay {$30.00}. " XXXX : " You can go ahead and submit a check or mail payments to us but {$30.00} a month would not be recognized as a formal payment that you could pay online. So if you send in whatever you can afford we can credit your account, we ca n't give you a receipt but if you do not set up a formal payment of no less than {$100.00} we can pursue informal collection. " Me : " So let me see if I understand, I am trying to make good faith payments you 'll accept them but if it 's not {$100.00} or more you will pursue garnishment if I get a new job? " XXXX : " Yes, you will be garnished. Sorry, just being honest. {$100.00} is our base formal payment. " Me : " ok, thanks. Just wanted to clarify. Goodbye. " Also, this debt is no longer reported on my credit history. It 's been 10 years and believe it 's beyond its statute of limitations.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

Please see attachments detailing right to privacy violations and inaccurate reporting 15 U.S.C 1681 section A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE
Consumer complaint received 2016-06-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (CT)

Hunter Warfield claims I owe XXXX to XXXX for an order I did not place or receive. The order in question,XXXX, for an XXXX, was placed on XXXX XXXX using my XXXX. I have no use for XXXX products and would not order this item. It appears someone from my household placed the order using my saved XXXX on the site, I believe XXXX or XXXX payments were made on the item and this was purchased on a payment plan called flex pay. I have not placed an order with XXXX in quite sometime, the last order was returned, a XXXX computer. I would advise the collection agency, Hunter Warfield, that the payments made already for this item should suffice as again this is fraud. In closing, please advise them to stop collection efforts and remove account from credit bureaus
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the documents attached. 

I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.
Consumer complaint received 2016-09-23
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: M&T BANK CORPORATION (AK)

My uncle had a little house is XXXX XXXX. The lenders kept sucking him into cash out refinance and continued to attempt to do it even after being told he had XXXX. I am a real estate broker and quickly ran comps. He was upside down during the time they were still trying to cash out refinance. The house was worth about XXXX and he owed XXXX. I cleaned up the house so he could go home to live his final days and I cleaned it out more upon his death. I live in XXXX and this involved several trips and time away from my business to do so. The bank then tried to get a default judgment on me even though I was never living in the home, never a signer on his bank account, and never on his mortgage and I lived over XXXX miles away! I had to spend thousands of dollars defending myself from this legal action. My husband and I were in the process of building a home a home here, and this would have messed up our financing! Despite a court order dismissing me from the case, the bank continues to try and collect from me. My uncle passed on XX/XX/XXXX and I 'm filing this complaint on XX/XX/XXXX. M & T Bank is a predatory lender on elderly veterans, and XXXX XXXX XXXX is unscrupulous company that is violating the debt collection laws. Also, note that I left the house cleaner than any repo I 've handled in my 17 years in the real estate industry. 

Please note : I put my personal information on this form. My uncle was the retired veteran.
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

I have disputed in prior disputes with Equifax concerning the Bankruptcy Case # XXXX was never discharged the discharge was waived. IT did not discharge and needs to be removed from the credit report. Equifax is not investigating what I am asking them to investigate they are just going by what they have in their system and that 's that. Even if what they have in their system is wrong. They 're blatant refusal to to make the correct changes as they are supposed to by law is very concerning to me. It needs to be rectified correctly and immediately. Please fix the problems correctly. I have attached the letter that I received from the bankruptcy court and I have also attached a copy of Equifax credit report showing the incorrect status and information.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2016-07-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc (TX)

receive multiple calls daily from Harley Davidson Fin. serv. XXXX a nd three times daily at various hours. This in regards to a 2014 Harley XXXX I 've had the MC for appx 14 mos. I have repeatedly told this co. that I can not afford to pay for it. I also informed this co. several times that I took all insurance off the bike. Harley continues to make calls to me. I said that they could have the MC back for {$1800.00} that I paid to have extra parts put on the bike. I kept my payments on time for over a year. I paid XXXX cash money for a Harley. Now, Harley is threating repo. Due to all these harassing calls, I feel that debt is paid in full and my intent is to file harassment charges against Harley.
Consumer complaint received 2016-11-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

My girlfriend and I moved from an apartment complex 4 months ago. XXXX. The local police and apartment complex were notified. We moved out of the apartment a week later in fear for our well being. Today, my girlfriend was contacted and and verbally assaulted by multiple employees from IQ Data International. Stating that if she does n't make a full payment of $ XXXX bad things will happen, along with a slew of curse words. She called back to get more information and was again verbally assaulted. My girlfriend contacted the apartment complex and the manager felt bad about the whole thing but said it is out of her hands.
Consumer complaint received 2023-04-10
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. (FL)

I demand all 3 CRA 's to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, I have filed a Policy Identity Report as well as FTC Report, I have already spent an insurmountable amount of time and money attempting to get my Consumer Reporting in accurate status. Please delete and remove the above. 

Personal Information is attached on my FTC Report Telephone Numbers 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as any Inquiries that have been reported within the last 18mths Please understand I can only list from the file which I received from TransUnion, Onc

e I receive an updated copy of my consumer file there may be other inaccuracies that weren't specified in the past report which I will be amending if there should be a need to. I demand TransUnion to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, You are Required to remove and bl
ock these transactions from being reported to my consumer report within 4 days. 

I advised TransUnion to make sure they have my expressed written or verbal consent before reporting any personal or private info. 


Police Report Case # XXXX FTC Report Attached Notice of Furnishers w/FCRA Laws Attached
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2016-11-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

To whom it may concern ; On XXXX XXXX, 2016 I applied online for a Citigold Checking Account with a promotional code that offered a promotion of XXXX bonus XXXX miles after setting up a bill payment for at least 2 consecutive months and after making at least {$1000.00} in debit card purchases. To ensure that the promotion was applied to my application I called on XXXX XXXX, 2016 and received verbal confirmation from a Citi representative that the promotion was in fact applied to my application. After fulfilling all of the required criteria to receive the bonus I waited a few months for the bonus to be applied to my account, it was never applied. I called Citi the end of XXXX and a representative told me I had fulfilled my end of the contract and that if I had not received the promotional airmiles by the end of XXXX to please call back and it would be taken care of. When I called back they said I had to open an investigation and claim ( not specific ) and they would be in touch with me in 72 hrs. So I subsequently opened a claim regarding the issue. 
I did n't hear back and called XXXX. Their response was that I was not targeted. However, I argue that they accepted and approved my application with the proper promotional code and I opened a Citigold account under the assurance that the promotion and bonus would be applied. They continued to do business with me until I called and asked about the bonus and at that time they told me it would not be issued. This is bad business practice and is unacceptable. I was never told about the " targeted '' restriction and they accepted the application under the promotion. 
I am not sure why this is happening but it is definitely not building good customer care. Since then my coorespondance has been anything but positive.. they keep reminding me that I was not " targeted '' when others that I have talked to were not targeted either and they received the promotion but not until confronting them several times. I had high hopes to have them manage our inheritance but I wanted to see how they did by living up to their commitment with this promotion. Can you please help me rectify this misrepresentation? If you need any other information, please let me know. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (TN)

EQUIFAX XXXX, XXXX XXXX, XXXX XXXX.EQUFAX FORMER CONFIRMATION XXXX. IS INVALID XXXX REPORT # XXXX FORMER YOUR REFERENCE # XXXXXXXXALL XXXX HAVE XXXX NAME XXXX XXXX XXXX THEY NEED TO HAVE ALL REMOVED ESPECIALLY XXXX AND XXXX HAVE NOT REMOVED THE XXXX XXXX XXXX ACCOUNTS WERE CLOSED IN XXXX, VA, BY THE FTC.., AND I ALSO WANT ALL TREE TO LOCK BY CREDIT REPORTS TO BE BLOCKED. RESPECTFULLY. THANKS, XXXX XXXX XXXX
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-08-10
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (TX)

I signed up for a card that advertised 0 % interest on purchases for 15 months. I accidentally selected the wrong radio button and paid the full amount due instead of the minimum payment. I called up AMEX and explained the situation -- they offered to refund my payment and assured me that the balance would remain at 0 % for the remainder of the 15 month period. When my statement closed and I saw XXXX of dollars of interest charges, I called them up to ask them what happened -- after much investigation, the agent explained that the balance on the card had n't been placed back at 0 %, but that he was submitting a ticket to fix the issue. He also refunded my interest charges and told me that he was extensively notating my account with the resolution. Assured that the problem had been fixed, I did n't worry about it again until I saw the next month 's statement with even more interest charges. I called up AMEX again and this time, despite having XXXX previous agents telling me the balance should be at 0 %, they told me that there was nothing they could do about the issue and that I would either have to pay off the card or continue to accrue interest charges. It is incredibly disingenuous of American Express to repeatedly assure me of one thing, and then purposefully do another. It 's bad customer service and it 's bad business, especially considering that I 've been an AMEX customer since 2001 and have spent XXXX of XXXX of dollars on AMEX credit/charge cards.