davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

After reviewing my credit report I noticed two inaccurate inquiries on there being reported by this company & the credit bureaus in which I have disputed them and put a fraud alert on my account as well with this XXXX XXXX company and all 3 credit bureaus is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the company never responded by mail. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on all three of my credit reports. Regarding the following inquiries < XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX > I have disputed these TWO unauthorized inquires for several months with no help from the company or credit bureaus. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent by mail to XXXX XXXX XXXX XXXX. I have spent the last two days over the phone disputing and arguing with representatives at XXXX XXXX service company (which is a third party for another company) that keeps telling me that they will not investigate these two inaccurate inquiries that their company requested on my credit file. XXXX XXXX XXXX keeps referring me to the credit bureau to investigate or a Veterans home loan place. It is NOT my job to track all of these companies down. I put a fraud alert on my accounts for these are UNAUTHORIZED inquires. I am not a veteran nor have I applied for a home loan. I am demanding that both of these unauthorized inquiries be deleted from my credit file immediately! I am demanding that XXXX XXXX company do their job and abide by the laws!! This company requested my information without my consent and they need to delete it!
Consumer complaint received 2016-08-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: RICHLAND HOLDINGS, INC. (NV)

In the letter that was sent to me, there was no information on how to dispute the debt or how to ask for debt verification. They also stated " You have TEN ( 10 ) DAYS to make satisfactory payment arrangements or a Civil Suit MAY be filed against you.
Consumer complaint received 2016-09-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (SC)

My county property taxes were raised to about twice their normal rate because the county assessed my property to not be primary residence. Greetree - DiTech paid the taxes for two years without notifying me of the raise. After about a year, they hit me with the bill, raising my monthly payment by {$200.00}. I continued to try and make payments at the new rate and got the money refunded from the county of around {$2800.00} in two payments and sent it in. It took me 5 months to get them to revert the excrow back to the lower rate and even then they still said I owed {$640.00} in back escrow. How can I still owe more if I paid it back and the rate went back down and I kept up on payments. My payments wo n't revert to the new rate until XX/XX/XXXX and I 'm still paying {$200.00} over my original rate. Where is all of this excess cash going? I thougt I should have {$1000.00} or so coming back to me, but they tell me I owe {$640.00} and I 'm still paying at the higher payment.
Consumer complaint received 2017-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (LA)

The debt owner is XXXX XXXX XXXX XXXX. They have been attempting to collect on debt that was discharged in a Chapter XXXX bankruptcy. I have informed numerous 3rd party collectors of this but XXXX just sends a new collector later. The last one closed their case and said they would inform XXXX after you contacted them Now XXXX is using Resurgent Capital Services in another attempt to collect on a debt they have been informed is no longer owed. 























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Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: Privacy — 
Company: DISCOVER BANK (WA)

On XXXX XXXX, 2016 my landlord informed me that Discovercard had contacted him about a payment I owed. This was in complete violation of my privacy as I had never given his name or phone number as a contact for me or my account. In reviewing Discovercard 's stipulations for contact, he in no way whatsoever fit the criteria listed within. Again, Complete Violation of my PRIVACY. Read : Illegal. I called the toll-free Discover card # and the actually nice employee to whom I spoke, XXXX, reported it was general practice for their " skip tracers '' to search any other phone numbers at listed properties and contact them. For the record : I unknowingly was {$27.00} shy my last payment and all current info on my Discovercard account listed my bill of {$120.00} as ( Leading me to believe I was up-to-date ) due on XXXX/XXXX/16. It was only upon calling the automated number that I learned that I owed {$27.00} immediately. I paid this amount, immediately prior to speaking to XXXX. 
Fast forward to XXXX : I paid {$99.00} due on the due date of XXXX which was On Time. On XXXX I began noticing daily calls from a toll free number, so I called it back on XXXX/XXXX/16 and discovered that it was : Discovercard. I spoke with a gentleman who reported that they just like to check in and try to pre-schedule payments prior to due dates ( my Next Due Date is XXXX/XXXX/16 a full 20 days after they began their daily harassing phone calls ) I told him that their persistent calls equate to harassment to which he vehemently denied it as harassment. I requested that he document my request for the contact to cease. He repeatedly continued to offer several options/benefits for arranging payment within the same breath. With each offer, of which there were several, I told him again, and again that I was not interested and requested documentation of this as harassment. I will further document future calls and add them to this complaint as necessary. 
Per XXXX Dictionary : Simple Definition of harass : to annoy or bother ( someone ) in a constant or repeated way What Discovercard is doing equates to harassment whether they are willing to admit to it or not. I am requesting that it cease. I would also like some sort of fine imposed upon them for violating my privacy by contacting my landlord on XXXX/XXXX/16 as their actions were completely illegal based upon their own outlined privacy practices. 


Sent from my XXXX
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

I have a few accounts that are still currently updating on my credit file that were included in my 2016 Bankruptcy. I have contacted the creditors multiple times and have sent them a few disputes requesting they report accurately but I have yet to receive a response. I don't understand how the bureaus can allow this to happen specially after I disputed it directly to you and notified you that they were against the Bankruptcy stay. This is now affecting me when I try to get financing, which is should not, and I've spent too much time, money and energy on trying to get these violations resolved. The creditors in violation on my credit file are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. I need these accounts to be back dated and reported correctly on my credit file. I understand my rights as a consumer and will take further action if needed. Please fix these accounts on my credit file.
Consumer complaint received 2018-01-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

Your Report Number is : XXXX Your Report Number is : XXXX Your Report Number is : XXXX OnXX/XX/XXXX, I began submitting several disputes indicating I had filed a Chapter XXXX bankruptcy. I submitted my bankruptcy information that indicated the bankruptcy number and list of creditors. Most of the accounts were updated correctly, however, I have 4 accounts where the dollar amount should state XXXX and 1 account that should state included in bankruptcy. 

On XXXX XXXX, XXXX, at an approximately XXXX XXXX  central standard time I called to inquire about the latest results. The customer service I received was by far the worst. I have contacted this company many times in the past and have always received superior service. I stated I had questions about the results I received. The representative stated, what 's your question. I informed him of the question, he asked for the report number and my name. He did n't verify any other information. He then became extremely rude, I asked to speak with his manager, he stated his manager could not accept calls but offered to have his manager call back within 24-48 hours. I then requested to speak with another representative, he said no and that he would drop my call. I asked for his name and stated I was recording the conversation, he said XXXX. Then he dropped the call. I had to call back 30 minutes later, I was on hold for 30 minutes before I spoke to someone, however, she was more than helpful to assist in initiating disputes. Please pull the call, I ask that you do something about this type of service. I am also unhappy with the number of disputes in order to get my information corrected. Please look into why this is happening.
Consumer complaint received 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (OR)

In XXXX of 2019, Union bank took money out of our escrow account in error to pay for an insurance policy for a condo in the same XXXX complex. When I was doing our taxes in XXXX I noticed the issue and contacted Union Bank for the first time. The disbursement out of our escrow account was {$540.00}. During this call I was told I would receive a follow up call. I have called six times over the past year. Every time I am told I would receive a follow up correspondence. Today I called again and was told they just released funds back into our escrow account.

In no way should I have had to call six times to get back my own money that was taken out in error by union bank. I spent over 10 hours having to call and micromanage this. Some other system needs to be in place because they stole money from us and had no intention of putting it back had I not continued calling for nearly a year. No borrower should feel powerless when their escrow account is drained by their lender. Union bank should have refunded the total immediately upon realizing the error instead of my escrow account funding their own errors.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CA)

I purchased a piece of furniture in XXXX 2015. They advertised 12 months with no interest to pay the total amount. When I received my statement, I began making the appropriate amount each month to ensure a total payoff by the XXXX month. I made XXXX payments in XXXX 2015 so that I would be sure to pay off before the due date. Recently, I went online to check my account activity. They have charged a minimum service fee ( {$2.00} ) and a late charge ( {$35.00} ) every month. I have called and spoken to XXXX different customer service representatives/supervisors, with no resolution. They have offered to remove XXXX or XXXX charges. I have paid through bill payer from my checking account which shows XXXX payments made for 2015.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, Please help me and do not ignore my message as I have something wrong in my profile. I am writing to you as I have a big mistake in my credit report .... I found the accounts that I do not recognize, I believe I became a real victim of identity theft. I kindly ask you to help me because I do not recognize these items in my profile. I am requesting that you delete information from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Consumer complaint received 2017-02-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (WA)

I had to get a private student loan my first year of college, I went to XXXX. They sold my loan to " American Education Success ( AES ) ''. I am trying to get a long term loan repayment modification to get my monthly payments down to a reasonable rate because I do n't make enough money to be paying their full monthly payment on top of my other loan service providers ( for context I have over $ 100k in debt, Thanks America. ) First they call me saying I did n't put in the correct count of loans I have ( I 'm paying for all my loans including the ones 'technically ' under my fathers name because they are Parent PLUS loans ), which is super petty ... but anyways I fixed it according to what I discussed over the phone and emailed them that SAME day. Now, a month later I get an email saying they never received anything and they 're denying my request. So I frantically call them ... AGAIN. She says a note was put on my account that on XX/XX/XXXX ( I emailed them with the corrections on XX/XX/XXXX ) that nothing was received. So I correct the employee on the phone and told them to look again. She comes back after putting me on hold saying they did in fact receive my email ( so now they 're liars ), but no one would tell her why now I 'm getting told I never submitted anything ; and that my account would have to be put under review. This review will supposedly take another 7-10 days. Guess what 's due conveniently that soon? Oh yea, my next loan payment. At this point they are purposely stalling to get more full monthly payments out of me. I DO NOT have the money to sustain this B.S.. AES is a scam and need to be reported for fraud.
Consumer complaint received 2016-07-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (DC)

I have a loan pending with Suntrust Mortgage for a refinance. Since XXXX, XXXX inquiries have been made by Suntrust Mortgage and XXXX Mortgage Services on behalf of Suntrust. 
I never authorize excessive credit checks by Suntrust and XXXX Mortgage Services on behalf of Suntrust. 
This is action by the lender and the credit reporting service is unethical and illegal. Please have them remove the excessive inquiries from my credit files XXXX. Thank you.
Consumer complaint received 2021-01-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I previously filed a complaint against Wells Fargo Home Mortgage. In a " Company 's Interim Response '' on XX/XX/2020, Wells Fargo falsely claimed that " We've been unable to establish contact with our customer, XXXX XXXX. '' As a matter of fact, my telephone records will clearly indicate that I was able to successfully contact Wells Fargo on the following dates and times to seek assistance : XX/XX/2020 - XXXX XXXX. EST XX/XX/2020 - XXXX XXXX. EST XX/XX/2020 - XXXX XXXX EST XX/XX/2020 - XXXX XXXX. EST On each and every occasion, I was " assured '' that an email was being sent to my case manager, XXXX XXXX and that she would definitely give me a call back as soon as possible. Unfortunately, I NEVER received a return call nor any other type of communication from Ms . XXXX whatsoever.
Consumer complaint received 2021-01-05
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: EQUIFAX, INC. (CA)

It has been over 30 days since Ive reached out to the credit bureau and it still has not removed these negative items from my credit report or provided me with a validation of the alleged debt therefore under the FCRA act these items must be removed. Ive attached both of the letters Ive sent in here as a reference which I sent certified mail and I have a copy of the return receipt verifying these letters were sent. I want these items removed from my credit report immediately and I want to be sent and updated copy of my credit report. Ive also attached my identification documents below, my ID, my social security card and my recent utility bill to verify my identity. 


I want these items removed from my credit report and I want to be mailed an updated copy of my credit report.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

A few months ago I filed a complaint on XXXX because they were reporting an old card that was lost or stolen inaccurately. XXXX was reporting late payments on my credit every month for three years. You all helped me and XXXX corrected the error. Now out of nowhere, XXXX just report a 30 day late payment on my credit for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Here we go again with the same problem. I have had no interaction with XXXX since they corrected the error on my credit file. Now they are at it again. DEFAMING MY CHARACTER AND REPORTING ERRONEOUS INFORMATION ON MY CREDIT PLEASE HELP ME
Consumer complaint received 2015-05-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage Company applied our XX/XX/XXXX mortgage payment to escrow. In the XX/XX/XXXX mortgage statement dated XXXX/XXXX/XXXX, Nationstar charged us a late fee of {$110.00}. I called them on XXXX/XXXX/XXXX to notify them that my XX/XX/XXXX payment is not late. Nationstar representative researched and found that my payment was applied to escrow and she said she will correct the mistake and also stated it will reverse the late fee. However, Nationstar reported my account as 30 days late to the credit bureaus.
Consumer complaint received 2021-01-05
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: Experian Information Solutions Inc. (CA)

It has been over 30 days since Ive reached out to the credit bureau and it still has not removed these negative items from my credit report or provided me with a validation of the alleged debt therefore under the FCRA act these items must be removed. Ive attached both of the letters Ive sent in here as a reference which I sent certified mail and I have a copy of the return receipt verifying these letters were sent. I want these items removed from my credit report immediately and I want to be sent and updated copy of my credit report. Ive also attached my identification documents below, my ID, my social security card and my recent utility bill to verify my identity.
Consumer complaint received 2016-08-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

I 'm very upset at US Bank First while it 's charging me for it {$80.00} for paying child support with my child support is taken out my work check write a file on me and take you {$80.00} for no reason victim of fraud they take your time to reply back they ignore me for over 2 weeks I 'll tell me what 's up what 's going on with my account and then I put my checks are getting deposited in there right now I have to wait for my money and I have no but I know my car 's messed up in the shop all my bills are messed up and then I was getting past due and they wo n't tell me how to make my money and I 'm going nuts
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (NJ)

I had reserved a car on-line with XXXX XXXX XXXX. When I went to pick up the car, I was told I had to give my Social Security Number in order to use my debit card to complete the transaction. I declined to give my SSN, so the agent directed me to XXXX at the next counter and asked the agent to honor the rate I had arranged with Budget. When I tried to pay at XXXX, my card was declined due to a " soft credit check '' by Equifax. The Equifax number on the explanation card was totally automated and only allowed me to request a credit report for a charge of {$7.00}. When I tried to rent a car through XXXX, they wanted to know the flight number I was booked on. Since I was traveling by bus, I did n't have a flight number, but when I asked about a train reservation they said that would be OK. So I called XXXX, bought a ticket with the card previously declined by XXXX. I was then quoted a rate XXXX the on-line rate for XXXX, the explanation being that I was a " walk-in. '' I called my bank and was told there was no problem with my account, which had more than enough to cover the {$200.00} hold requested by the car companies. I also had sufficient cash to cover both the hold and the original quoted rate by XXXX. I finally ended up getting a car through XXXX, same scenario as XXXX. The erroneous hold on my debit card by Equifax cost me both time and money, and no business should be asking for my SSN in order to make a payment.