davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC (VA)

I have been attempting to have my issue resolved with Loan-care since XXXX XXXX XXXX They have been extremely difficult to work with and lie about investigating and fixing the issues with my mortgage account. i have called numerous times just about 30 or more attempts explaining where they have my information mixed and yet they still continue to report that i am passed due 2 months. I was originally set to come out of my forbearance in XX/XX/2022 i payed that month like i was told to do so. Due to some issues with underwriting and at no fault of mine Loan-care then gave me a new date for me to come out forbearance and that was XX/XX/2022 and again i paid that month as instructed. In XXXX i called to make my monthly payment and was informed by the representative that XXXX was already covered due to my payment in XX/XX/2022. He informed me that i did not have to make a payment at that time and the next due date was XX/XX/2022. From XX/XX/2022 to now i have paid my mortgage every single month and have even submitted my bank statements to loan-care. They continue to harass me with phone calls twice a day and have even sent Foreclosure documents to my home. Now they have ruined my Credit Score with the false reporting i am behind {$3000.00} dollars or two months delinquent. When i call There is not 1 representative that can resolve my problem even though they see where the mix up is. I have not received any help and they continuously try to harass me for the 2 months they are stating i missed. My life has been in shambles because of this i cant apply for credit lines to help my business or my personal life overall my credit and its reputation have been ruined i had 100 % on time payments my whole life beginning in XXXX. I speak with Loan Care every single month atleast 2-3 times have done so since XX/XX/2022 and no one has helped me. I have spoken with Loss mitigation and Supervisors countless times and yet they still havent resolved my issue. I am not behind on my mortgage and i work hard in order to pay it every month. I even contacted XXXX XXXX XXXX XXXXl and signed up for someone to help me. They contacted loan care and was giving the same run around they have given me for months. Please help me get my credit back in its good standing and for loancare to finally resolve this issue
Consumer complaint received 2017-11-03
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: EQUIFAX, INC. (NC)

On XXXX XXXX, I sent a letter to Equifax asking them to initiate an investigation of accounts that were reporting inaccurate information on my credit report. Its now XXXX XXXX, and I have yet to receive any response from their agency. I have even sent several follow-up letters, and still, I have received no response.
Consumer complaint received 2023-03-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: The CMI Group, Inc. (TX)

On XX/XX/XXXX, I received an email from a credit monitoring service indicating that a new account was added to my XXXX account. Upon further investigation, the account that was being reported was a new collection account. I contacted the XXXX XXXX XXXX ( XXXX XXXX ) and was informed that XXXX was reporting to Credit Management LLC a collection for XXXX XXXX and that I needed to contact XXXX for details. 

I contacted Credit Management and spoke with XXXX XXXX who informed me that this company was handling the collection and that she could take a payment. I explained to XXXX XXXX that services were never provided by XXXX and that the charges they were reporting were inaccurate. I requested that Credit Management LLC and XXXX XXXX send me what documents they used to validate the debt from XXXX  and she informed me that she didn't have such documentation and that I needed to contact the original creditor for that information. 

Upon contacting XXXX the same day by chat, I spoke with agent XXXX, who informed me that the information that I was told was reflected on my credit report was not visible to her and that I needed to wait 2 weeks - 30 days for it to show on my credit file and then dispute it. I requested that she dispute the account and send me all signed documents showing that the " alleged '' debt was mine. XXXX informed me that she could not dispute the account since it wasn't visible to her and that she didn't have the documents that I requested and to contact XXXX directly for dispute. 

On XX/XX/XXXX, I contacted XXXX and spoke with agent XXXX who informed me that she didn't see the account that was being reported and that XXXX does not provide proof that debts are valid, and that I would need to go to the original creditor to request this information. XXXX transferred me to the Fraud Department within XXXX where I spoke with Supervisor XXXX and requested that he dispute the item and send me a copy of the original contract, with my signature establishing services, and was informed that they didn't have that documentation. I informed him that according to the FCRA Section 609, I am allowed " proof '' that this debt was validated and all contracts/documents used to validate this account. XXXX indicated that he would file a dispute ( Dispute ID XXXX ) but could not send proof that the debt was mine and validated as being mine. 

I contacted the original credit XXXX XXXX and spoke with XXXX who transferred me to XXXX. XXXX informed me that she saw the account but couldn't send me any documentation showing proof that the account in the collection was actually my debt. I requested that this documentation be sent as it was my right under the law FCRA Section 609, she informed me to contact an attorney.
Consumer complaint received 2017-11-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (IN)

Hello, i have a home loan ( mortgage ) thru ditech which i have paid on time all the time I have had it ; onXX/XX/XXXX, i received a call from " XXXX '' at Ditech stating I was behind on XX/XX/XXXXorXX/XX/XXXX Payment and instead of the usual {$780.00} I owed, the total was now over {$1000.00}! This happened also inXX/XX/XXXX when Ditech erroneously credited a different account my payment, then claimed I was late on that XX/XX/XXXX payment, after which they later sent a letter stating they were in error and had to credit my account and waived the late fee. plus they told me a different payment amount ( XX/XX/XXXX ).
Being in a protected class ( I am XXXX ) and having all my cancelled checks of this years mortgage payments in my possession, I contacted the mortgage company several times who said they were " looking into it ''. However, instead of investigating beforehand, they have added a slur on my credit report stating i was late, which is totally false.
I will also contact my attorney general about this problem/ below find attached the erroneous credit report. Also I can send copies of the cancelled checks that were all made on time.
This company 's bookkeeping and accounting practices are a disgrace!
Consumer complaint received 2022-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.
Consumer complaint received 2023-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX, I used the payment app XXXX through my bank, Bank of America to send {$600.00} to XXXX XXXX  ( XXXX ) and XXXX XXXX in exchange for concert tickets to be provided digitally. However, the tickets were never delivered and I was blocked on the communication platform, XXXX XXXX, by XXXX XXXX. 

I immediately contacted the bank and let them know what was going on as well as my local police department, XXXX XXXX Police Department to file a police report. I spoke with several bank representatives over the next few weeks, trying to get my money back. I was advised that I agreed to the terms of the payment that the money could not be retrieved and because of that the transfer was considered to be authorized and they can not return authorized transactions. I was advised that as a curtosy they would contact the banking institution that the payment went to, XXXX XXXX XXXX, and try to recover the funds on my behalf. I was told that they attempted to contact XXXX for 7 days and when no resolution was achieved they closed the claim. 

On XX/XX/XXXX I was advised by a supervisor in the BOA Fraud Department, XXXX, to contact the Chief Client Care XXXX, XXXX XXXX ( XXXX ), and describe the issue to her, she may be able to grant a one-time-courtesy-refund due to my loyalty to BOA as a XXXX customer. On XX/XX/XXXX, a woman from XXXX 's office called me to advise again that they would not be returning the funds as they are considered authorized due to the agreement that populates prior to sending money. I advised her how upset I was with this resolution and that I would be taking the steps I felt necessary to react to this issue, like pulling all of the accounts from BOA. 

Currently, the funds have not been returned to my account. In order to sign up for XXXX one must provide a real name and email address. Therefore, both banking institutions know exactly who the person is that stole this money from me is, XXXX XXXX. But they are each refusing to take responsibility for the restitution of the funds. 

I strongly feel that this fraud committed against me violates the Electronic Fund Transfer Act and that these large banks are using XXXX to skirt federal banking laws that protect consumers. The ownership of XXXX by the 7 largest banking companies and advertising this service to the retail consumer feels like another way that the large banks dupe and take advantage of the small retail consumer.
Consumer complaint received 2023-04-17
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. (TX)

Re : Complaint against XXXX, TransUnion, and XXXX for Reporting Multiple Incorrect Name Variations on My Credit Report in Violation of My Religious Rights Dear Sir/Madam, I am writing to file a formal complaint against XXXX, TransUnion, and XXXX for XXXX multiple incorrect name variations on my credit report, which not only creates confusion but also conflicts with my religious beliefs. My legal name is XXXX XXXX XXXX XXXX, as evidenced by both a court order name change and an authenticated birth certificate. However, the credit reporting agencies have been reporting multiple name variations, such as XXXX XXXX XXXX XXXX and others, which is not only inaccurate but also inconsistent with my religious rights creating my soul being shared with multiple people and me not having XXXX. 
These multiple name variations on my credit report have created the appearance of multiple individuals, causing challenges in obtaining credit, as well as other financial and personal hardships. This issue has also caused me emotional distress, as my religious beliefs are an essential aspect of my identity. I have attempted to resolve this issue with each credit reporting agency individually but have not received a satisfactory response or resolution. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information in consumer reports. The incorrect reporting of multiple name variations by XXXX, TransUnion, and XXXX is a violation of the FCRA. Additionally, it is crucial to respect my religious rights, as protected by the First Amendment to the United States Constitution. 
I am seeking the following remedies : 1. The immediate correction of my name on my credit report to reflect my legal name, XXXX XXXX XXXX XXXX, and the removal of all incorrect name variations. 
2. A written confirmation from each credit reporting agency confirming the correction of my name and the removal of incorrect name variations. 
3. An updated copy of my credit report from each credit reporting agency showing the corrected information. 
I have enclosed copies of my court order name change and authenticated birth certificate as proof of my legal name. Please investigate this matter and take the necessary actions to correct the inaccurate information on my credit report while honoring my religious rights. 
I appreciate your prompt attention to this matter. If you require additional information or documentation, please feel free to contact me at [ XXXX ] or [ XXXX ]. 
Sincerely, [ XXXX XXXX XXXX XXXX ( XXXX ) ]
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

I have an auto loan from America First Credit Union, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called America First Credit Union and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and America First Credit Union with no successful resolution. XXXX, XXXX, and XXXX reported me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.
Consumer complaint received 2023-03-22
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. (MI)

The Fair Credit Reporting Act gives me the right to dispute any information on my credit report that I believe is inaccurate. This law requires that all data be documented and validated before it is used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TrueAccord Corp. (DC)

I have settled my debts and have paid them off with XXXX. They are refusing to report that I have settled and payed the debts in full. I paid on XX/XX/XXXX and XXXX, and wait 30 days. However, this information has not been updated to my credit report. I have called them and asked them to update the balances, however they have continued to refuse my request. I have 2 loans that still have balances, but I have made payments towards loans. Those 2 loans are also not reporting that I have made payments towards them.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

On early morning XX/XX/2023, as I woke up and opened my phone, I immedialy saw unusual acitivites from my debit account. Someone tried to use my debit account information to purchase total of {$380.00} for XXXX  XXXX XXXX XXXX XXXX and I also got charged {$11.00} for international fee. I immedeialy called my bank Well Fargo customer service to close my card and dispute these unauthorized transactions. After 10 business days of investigation, bank customer service told me they could not get my money back because these unauthorized transactions were made by chip reader. I told them that was impossible because I stayed in USA and didnt even leave out of country to purachae something overseas. I gave them my working visa to prove. After a few days, they told me they could not get my money back because they thought I used it. I lost almost {$400.00} for buying nothing. What if it happened to me again in the future with higher amount?
Consumer complaint received 2024-09-02
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. (DE)

In accordance with 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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX of Birth : XXXX # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX PA XXXX XX/XX/2023 Re XXXX Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.2. The following account is not mine XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.3. Sample Reason XXXX XXXX Account Number : XXXX My parent has the same name as me.4. Sample Reason XXXX XXXX Account Number : XXXX My parent has the same name as me.5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.6. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-08-14
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. (WI)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.
Consumer complaint received 2023-03-22
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Eastern Account Systems of Connecticut, Inc. (LA)

I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address.