davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I made a {$700.00} deposit to 5/3 Bank in XXXX NC on XX/XX/2016 at XXXX using the night deposit. When I checked my account at XXXX that evening they had not credited my deposit. Yet, they had charged me an overdraft fee at XXXX. My car payment will be drafted out tonight so it will bounce and I will be charged yet another fee. When I called customer service, the lady suggested I go to the branch. I am sorry, but I am not taking off work when they should be checking the night deposit daily. They need to refund these charges and write a bank error letter to my car payment company.
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I had identity theft from XXXX to present with my adopted name and changed it XXXX XXXX XXXX, I changed my name as far everything was working for the good in XXXX XXXX finding out that some one wanted to get a house loan or personal for XXXX At XXXX XXXX I login in to XXXX and found out someone change my name back to my adopted name XXXX XXXX XXXX, I took all XXXX credit bureau and found out there was some discrepancy on all XXXX credit bureau so I directed to The Federal trade commission with this problems, they help me in a big way and thanks. Everything was taken off in the credit report that was supposed including the account in good standing with the old name XXXX XXXX XXXX which are in good standing The only XXXX associated with my new name with XXXX XXXX XXXX ; XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

I disputed an invalid debt on my credit report with Experian. The collection company alleges I owe a debt and they have not provided proof of the validity of the debt. I attempted to dispute the debt and 12 days after I disputed, Experian notified me stating that the debt has been " updated. '' When I called Experian, i asked them to provide me with the documentation they used in determining the unsatisfactory conclusion. The representative indicated they can not provide me such documentation as it is the creditors responsibility to fill out the form that Experian provides them. Furthermore, the representative stated that the creditor does not have to provide them with proof of the debt. At the conclusion of the call, The representative recommended I contact the creditor directly and ask them to provide me with proof. I stated to the representative that the proof needed from the creditor is impossible for them to provide ( i.e. A lease signed by myself or wife, a statement within the application agreement indicating that we would owe money to them regardless of whether or not we were approved ). She then instructed me to contact an attorney.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax company is not complying with FCRA regulations. I am a consumer that is currently under a forbearance program that prohibits any derogatory reporting to the credit reporting agencies. Currently Equifax is inaccurately reporting delinquencies into my credit profile
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I wrote Transunion in XX/XX/XXXX as I have multiple issues on my credit report. I included a current utility bill copy showing name and residence, copies of my social security card, and drivers license. They have not responded to me.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are two accounts on my credit report I have been disputing for quite some time now. The account with XXXX XXXX, I returned the XXXX within the thirty day time period. As soon as I had knowledge this account appeared delinquent I dispute and have been every since. Each time I dispute it the credit bureau 's state they have verified the debt is mine. I would not constantly dispute it for no reason. I also disputed the XXXX account because of charges on the account. I complained about this to the XXXX, disputed it with the credit bureau 's to no avail. I even requested the XXXX send me documentation. The most recent XXXX card I held I closed the account myself and paid it off because of this issue. I have several closed and open accounts on my credit report, they are all not perfect but I am paying all of them. These XXXX accounts are dragging my credit score down. In addition I opened an account with Transunion reading the correspondence makes consumer think having the account is affective or important for your credit. Their site offers more credit cards and options which is confusing since this is XXXX of the bureaus reporting consumer credit it seems to be conflicting. After closing the account I constantly receive emails telling me score is going down and I am missing out on valuable information. I do n't see the help in this. In fact the credit card I opened through Transunion 's website XXXX XXXX has credit wise so I do in fact have access to my account. Therefore Transunion was charging me for a feature they offer with the credit card. I am confused and I need help because the companies reporting my credit and score are not helping me especially offering me more credit card and loan options.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion, XXXX and XXXX are all reporting incorrect items on my credit reportand to date have ignored our attempts at getting these items removed, corrected and changed?! We certainly know our valid correct legal names, where we have ever lived in XXXX years of marriage and where we have never lived or had a postal box?! Alsopublic records is reporting incorrect information on a supposed judgment by XXXXfiled in XX/XX/XXXX and no later where we have a letter from XXXX and the FDICstating very clearly that NO SUITS were ever filed. The XXXX accounts in question were charged off in XX/XX/XXXX. We think these judgments should be dropping off as we are in the XXXX year time frame now and that legally they should never have been filed if in fact they were as we were in a debt settlement program with XXXX XXXX XXXX in XXXX, AZ from XXXX and the XXXX accounts were in the program which XXXX agreed to?!
Consumer complaint received 2016-02-18
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

The bank by the name of Fifth Third bank has humiliated me as a result, They still owe me funds, and they lied on XXXX/XXXX/2016 and told me they were going to close my account on and my account is still opened as of XXXX/XXXX/2016 because I 've called them back after they have repeatedly called me during the past few weeks, and they 're still harassing me sending me letters and emails about a overdraft protection and I owe which i clearly didnt sign up for when i opened the account, and I was never told I owed any money while I had the account. I find it funny soon as I want to close the account they will send me letters stating my account was in the negative. I just want them to leave me alone..and I would like to be compensated for all of this terrible experience
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I recently requested an investigation into the disputed accounts, which you claimed were verified. Believing that your investigation was not conducted thoroughly, I contacted the data furnisher last month via mail. They have since responded, confirming that my concerns were valid and that the information in your records was incorrect. Given that your initial investigation was improperly handled, I now request that you update or correct the following accounts in my file. 
XXXX XXXX XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$15.00}
Consumer complaint received 2023-08-13
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. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2016-12-21
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (IL)

I am summiting this complaint for the reason that Freedom Mortgage has not giving me a decision. I summited an appeal since XX/XX/2016 and I have called many times Freedom Mortgage for an update and they just keep telling me that they are waiting on a ( Tittle search ). I am afraid I wo n't be provided a government modification do to them prolonging my case. I had to challenge them with my appeal because they were not using all my income and also the expenses they had were wrong. I am in desperate need of assistance, I need to know what Freedom Mortgage intentions are, if they are really helping me so I can keep my house with an affordable mortgage payment. Due to my house is severely under water. Or if they are purposely prolonging my case because at the end of this year all government modifications will be over.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is 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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

" I am writing to delete the following information from my file. The item I deleted listed in the report I am a big team of identity theft, and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. please delete this items as soon as possible "
Consumer complaint received 2015-11-30
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Helm Associates (PA)

On XX/XX/2015, Helms Associates responded to a complaint I filed via CFPB and advised me that they would delete the tradeline off XXXX credit report. I have a copy of my XXXX credit report dated XX/XX/2015, an Helms Associates is currently reporting this account to XXXX and updated this account on XX/XX/2015. This account should have been deleted not updated on my credit report. Helms Associates are in non-compliance. This is Helm Associate exact response from the complaint I filed XX/XX/2015 and their reponse on XX/XX/2015 " This is in response to the above-referenced complaint, which was forwarded to this office on XXXX XXXX, 2015, and assigned Case Number XXXX. '' " After a thorough investigation, our records indicate that the last direct contact with XXXX XXXX was XXXX XXXX, 2015, at which time he wanted to voluntarily surrender his vehicle. Since then, we have no record of the customer attempting to contact us directly, in regard to a validation of debt request ''. " However, we did receive a request from XXXX on XXXX XXXX, 2015, requesting the accuracy in reporting of XXXX account ''. 
" After reviewing the information provided from XXXX and our own internal notes, we responded on XXXX XXXX, 2015 stating that the information previously provided was accurate ''. " Even though we believe we acted appropriately as authorized by contract or law, Helm Associates will grant, as a goodwill gesture, XXXX XXXX desired resolution to remove our trade line information from his credit report ''. " Please be advised that XXXX is our only credit reporting agency ''. 
" We pride ourselves on working with the customer to resolve any issue brought to our attention ''. " As always, Helm Associates makes every effort to fulfill all reasonable requests ''. " If I could be of further assistance, please do not hesitate to contact me ''. 

" Respectfully submitted, XXXX XXXX, XXXX XXXX ''
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2015-10-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Here is the situation, Bank of America, my mortgage company, placed forced insurance on my home ( I also had homeowner 's but it expired during this timeframe ). In XXXX in the fall right around the time of Hurricane XXXX, a 200 year old tree fell on and halfed my house, taking out XXXX bedrooms, the roof and more. 
I notified the bank and after a long time an adjuster came out and a determination was made that the damages amounted to over {$80000.00}. Well, since XXXX, Bank of America, despite calls and letters, has not released any of those XXXX repair funds and my home has been broken into, items stolen, rain, mold, further damage has been sustained and I have requested that the full insured value of the home insurance policy be released over {$300000.00} based on new damages due to the fact that the bank was untimely and has withheld ( and still is withholding the XXXX repair assessment PLUS EARNING interest ). Previously they released in XXXX funds they had held onto and earned interest on ( though they did not give me the interest earned XXXX from XXXX and XXXX in XXXX!!!. The home now needs to be DEMOLISHED and completely rebuilt which is why I need the full value of the forced Bank of America forced insurance policy NOW. We have been unable to occupy the home since the damages and the place we were renting is now being sold and we are homeless and living with relatives out of state. My loan was recently modified by the bank but I told them I can not afford to pay the mortgage for a home that is condemned and we ca n't occupy AND pay rent. Please force BOA to release the full value of the policy so the home can be demolished and rebuilt. I am also incurring fines/fees from XXXX XXXX based on the condition of the property. I have written to BOA, contacted XXXX XXXX and XXXX and XXXX, who helped me purchase the home in XXXX. 

Bank of America has placed forced insurance on my home in the past and when claims were filed NEVER paid them out and added insurance onto the property though they had documentation that I had purchased my own homeowner 's policy. Now they have been holding onto the insurance repair funds for OVER three years while the property steadily deteriorates and expects me to pay the mortgage for a place that is uninhabitable and can not me made habitable because they have not released the insurance funds to repair it WHICH are No Longer Enough to repair the home which has toxic black mold, water damage, animals inside ( squirrels, mice, raccoons, etc. squatters, thieves have ransacked it and my personal contents. ).
Consumer complaint received 2015-07-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (DE)

My housing counselor submitted a file on XX/XX/XXXX USBANK we have not heard from the USBANK and its XXXX We received the acknowledgement they recieved the file. We have not heard from them in months. We finally contacted the lender and they staed they sent correspondence out in XXXX that they needed updated documents because some docs had aged. They did not statrt reviewing the file until XXXX which is unacceptable!!! They are not following compliance when a workout package is submitted.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I am writing to formally dispute fraudulent information on my credit report and demand the immediate deletion of all fraudulent accounts listed below. 
I have recently reviewed my credit report, and I have found several unauthorized accounts that I did not open, nor do I have any knowledge of. These accounts are clearly the result of identity theft and should be removed promptly as they are damaging my credit history. 
Details of Fraudulent Accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$500.00} HARD INQUIRIES : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened a checking account with Bank of america ( BofA ) on XXXX/XXXX/2015. I did it because Bofa offers the possibility of no international fees when a client uses affilliatted banks out of the XXXX. I specifically asked the costumer service Rep ( XXXX XXXX XXXX ) who took my information to check this for me. He confirmed that in XXXX as well as in XXXX I could use ATM without penalty if they were from The XXXX Bank. Prior to my departure I again called to reconfirm the affilliatted banks in XXXX and XXXX. I spoke to XXXX - Costumer service- on XXXX XXXX 2015, and again I was told that I could use XXXX bank to make withdrawals without being assessed a fee. I travel to XXXX between XXXX XXXX to XXXX XXXX. 
To my surprise when I received the checking acct. statement for the balance beginning XXXX XXXX to XXXX XXXX I noticed that I had service fees for withdrawals made at XXXX Bank in XXXX and in XXXX. Immediately I contacted Bank of America to dispute those charges and Spoke both to XXXX as well as XXXX on XXXX XXXX, 2015. XXXX mentioned that Bank of america used to have that bank as affiliated in XXXX and XXXX but that it had changed and that XXXX Bank was no more affiliated with the. She told me that as a courtesy they will remove XXXX of the service fees assessed but the others will remain. She told me that was all she could do and that I should do whatever I need to do. 
My complaint is that I should not be assessed any service fees for this withdrawals since I was very clear in asking XXXX different people from BofA about giving me the information about overseas fees and both mentioned XXXX Bank as affiliated in those countries.
Consumer complaint received 2016-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

on XXXX XXXX at XXXX oclock i called ocwen because i received a letter saying to pay XXXX.I was told by Relationship manager XXXX XXXX that XXXX XXXX i was accessed a fee of XXXX dollars for a bankruptcy expense in XX/XX/XXXX and that i owed a total of XXXX cents and if i dont pay i will lose my house.she was rude and very loud and did not want to give me a reason why and said she would give send me a breakdown by mail and said i need to pay i think XXXX now.Never received a breakdown.I got off the phone and called again and got a different relationship manager named XXXX XXXX and she told me that i owed XXXX to a property valuation expense and for me to pay XXXX looked on my mortgage transcripts and ocwen XXXX did XXXX in 7 years and it was for XXXX dollars.I was told that this had nothing to do with my payment and to pay XXXX $ and it will be added to your mortgage.Icalled the Ocwen ombudsman XXXX XXXX and was told that this property valuation expense can be done twice a year and i was in default.He told me my payment was in default and it was not 30 days.they did it in 27 days.All this is happening and i dont have nothing in writing.Ireceive a call from supposedly appointed Relationship manager and asked me did i have any questions.i told him the same thing i am telling you and yes i owe XXXX dollars then said did i have anything else and said goodbye.Received a monthly statement for may bill today XXXX XXXX saying i owe XXXX $ saying it is due XXXX/XXXX/XXXX and it came by regular mail but on the activity statement it says certified at {$2.00} and a property inspection fee of $ XXXX.ICall again and get amirsh XXXX Relationship manager and he tells me do i want to pay XXXX now and doesnt give me any options to pay except that it is not apart of your regular payment and i should still XXXX a month but on the statement it says XXXX and that wont change.i still owe XXXX dollars late fees.I am on a fixed income.
Consumer complaint received 2016-11-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (MD)

After a divorce in XX/XX/2015, I was unable to make my mortgage payments. I am not able to sell the house due to the fact that I am upside down in the property. I contacted the bank and requested a short sale. I also had an appraisal done and hired a realtor. We had a contract for the appraised value and submitted that to the bank with my short sale application. The Bank denied me the short sale citing my credit score was too high and my gross income was too high. Now they are denying me because of a Title issue. I do not believe there is a Title isssue.