davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-20
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: EQUIFAX, INC. (NV)

Equifax has failed to honor the 45 day rule for mortgage inquiries. I have been shopping around for a mortgage since XX/XX/2016 and instead of them counting each mortgage inquiry as XXXX inquiry, they have counted each inquiry separately and have reduced my credit score significantly with each one. Their online dispute for inquiries only offer XXXX options which are fraudulent inquiry or did not authorize inquiry of which neither applies. Writing them is a waste of time because no human reads the letters or documented proof and instead an automated system is used which always verifies inaccurate information as correct regardless of what proof you have or if its inaccurate. I have written many times and provided proof of unauthorized inquiry by actual creditor and they sent the same response each time claiming it is verified as accurate. I want my credit score points restored since they have counted each mortgage inquiry separately and lowered my score 3 times and it should only be XXXX inquiry. The mortgage inquiries are within the 45 day window yet Equifax is not going by the rule.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

File # XXXX I received this updated report. Still concerns : XXXX-I have previously requested this be removed as it is XXXX years old. REMOVE XXXX-I have requested this be moved- This account was never used by me and it is over XXXX years old. REMOVE XXXX-I have previously requested this be removed as it is old-over XXXX years old. REMOVE
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was a victim of Trans union in XX/XX/XXXX i look on my credit 20 inquiries was removed from my credit report but the same day they reinserted back again and never properly informed in writen in 5 days also in XX/XX/2017 11 account was removed but on XX/XX/2017 was reinserted back in my credit report and they didnt informed me i call trans union and talk to costumer service and informed about the problem but they only told me that nothing and try to talk another think that i didnt ask they dont help full i send then a dispute letter certified on XX/XX/2017 for dispute inacured accounts they are in violation of the Fair credit reporting act section 611 they never send me any letter to let me know about this in attach you see when was removed and when was reinserted also the certified letter
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Hello I try and keep track of the items that are on my credit especially my inquiries but yesterday I noticed that I have some inquiries that do not belong to me. I have n't lost any of my information I do n't think and I do n't believe someone has stolen my identity. Please send me information regarding these inquiries or have them removed as soon as possible because it is truly hurting my credit and I do n't have these accounts. 
EQUIFAX : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX account status is showing on my credit as ''type '' is showing as Open this account is showing incorrect and needs to show closed. It was discharged in a CHXXXXBK as of XXXX/XXXX/16. The only thing showing correct is the balance, showing XXXX, but this is causing my credit score to be lower.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Im writing to formally dispute an item on my credit report, which I believe to be inaccurate and unverified. In accordance with 15 USC 1692g, I request that this item be removed or corrected unless the debt can be fully validated. 

The account in question is as follows : XXXXXXXX XXXX XXXXAccount Number : Unknown Creditor Name : XXXX XXXX  As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. Until such time that the debt is fully validated, I request that all collection activities related to this debt cease and that this unverified debt be removed from my credit report.

Please provide me with the following information to verify the debt : 1. The original creditors name and address.

2. A detailed explanation of the debt, including proof of its validity.

3. Documentation that the debt is mine and that it is reported accurately.

If the debt can not be verified, I request that it be permanently deleted from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ) and FDCPA regulations
Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

a public records judgment was prematurely placed on my file and equifax continues to verify it even though the court has removed it from my records and my name. it needs to be removed because it was an accidentally placed and is no longer valid. i keep asking them to verify it and show me proof and they refuse to provide any proof of any investigation. this is illegal. i do n't know how they are verifying this and reporting it. they provide me general information on the courthouse which is irrelevant to any of the departments that handle my case. the court house has NO proof nor have they been contacted by the bureau for any verification.
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have had a XXXX account on my credit report for about 7 yeas that I was an authorized user on. I requested that it be removed from my credit report as I had no responsibility for the account. XXXX agreed and said it would be removed. It was removed from all of my reports except Equifax. I have submitted several disputes with Equifax over this matter. After saying it is valid each and every time I have contacted XXXX and they state Equifax never submitted the dispute to them. I even have the paper from XXXX that says it should have been removed several years ago. I have submitted that paper with it as well and Equifax leaves it on there. I do not think that Equifax is following the laws regarding the dispute process and is in turn, hurting consumers. This is not the only account that they have done this with and I will be submitting additional complaints against Equifax.
Consumer complaint received 2016-06-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NY)

I disputed an account name XXXX XXXX with the CRA Equifax. After reviewing my account with a credit monitoring service it showed XXXX XXXX as being removed and then reinserted. I never received any written letter/notice of such reinsertion nor notice that I have the right to place a statement in my credit file disputing the accuracy and completeness of the information. Bottom line is that if the information was deleted as a result of a prior dispute and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide me notice of their reinsertion, then the reinsertion is a violation of section 611 ( a ) ( 5 ) ( B ). Legal restrictions against reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ). Credit reporting agencies can not legally report back an account that was removed from my credit file after a dispute. They will be in violation to the fair credit report act and to the federal trade commission guideline and many other federal and maybe state laws. I was never notified that they had removed it and was putting it back on my report.
Consumer complaint received 2016-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NY)

My now-deceased mom was offered a second mortgage for {$250000.00} on her co-op in XX/XX/XXXX when she was XXXX years old, her only income was XXXX a year social security and in poor health. The lender, XXXX XXXX XXXX, could never have expected this loan to be repaid, as it was a 30-year mortgage with the first ten years 'interest-only, ' not going to the principal. She obviously had no ability to repay but must have accepted the offer to pay other debts, including her medical bills. It was only after she passed in XX/XX/XXXX I discovered these shenanigans. But I have insufficient resources to pay this underwater mortgage. They then declared a foreclosure sale date twice, but canceled both times. Now, the servicer refuses to offer a principal reduction or deed in lieu of foreclosure, and the contact person, XXXX XXXX at Seterus, XXXX extension XXXX, does n't even answer the phone or emails! They keep sending requests for documentation of my meager income, which is irrelevant, as I am not on the mortgage and my mom left no will. When I explained this, they falsely declared I " withdrew my request for assistance. '' My question is : what benefit are citizens getting from the XXXX, XXXX XXXX settlement XXXX XXXX XXXX supposedly paid for mortgage fraud? Thank you!
Consumer complaint received 2016-11-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: DISCOVER BANK (PA)

XXXX have harassed, threatened me for a fraudulent debt they purchased from XXXX XXXX since XX/XX/XXXX. I requested a copy of the signed contract with Discover, an itemized " bill '' and proof that I opened a credit card, they refused. The judgement expired on XX/XX/XXXX and XXXX ( XXXX XXXX ) filed a Writ of Revival on XX/XX/XXXX which is past the XXXX and the Fair Debt Collection Practices Act. Due to similar proven illegal actions, XXXX have recently been fined XXXX for these illegal activities. On XX/XX/XXXX, XXXX XXXX created a new docket number and filed my social security number at the XXXX XXXX courthouse. XXXX never withdrew their " entry of appearance ''. On XX/XX/XXXX XXXX XXXX sent a request for interrogatories, which I responded in to the attached letter. If a debt is n't paid within 180 days, it 's written off. XX/XX/XXXX personally buy these debts, get away with these illegal action because XXXX XXXX sits on different boards, has family members/friends working in the XXXX court house. XXXX XXXX has been noted in a recent Supreme Case and has been warned to stop threatening and harassing, " The U.S. Consumer Financial Protection Bureau has fined a XXXX law firm and the debt collection company it worked with and ordered them to stop filing abusive debt-collection lawsuits. '' This is a violation of the Fair Debt Collection Practices Act. They are attempting to sue me for a debt I did not sign for, the debt is too old to be sued on and are attempting to seize property. I have attached all documents, including a letter to XXXX XXXX.
Consumer complaint received 2015-10-04
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (AR)

I opened an credit card account with Discover Card in 2004 and had about {$7000.00} in debt when I quit using the card and it was being paid from my checking account automatically. I assumed the debt balance was being paid down slowly but I discovered it was growing and the interest was increasing to about 27 %. I now owe {$20000.00}. I contacted them and asked for a settlement and they refused. They said as long as I was paying monthly they would continue to collect but if I quit paying they would sue for the entire amount plus costs. I realize my fault was not paying attention but I do n't feel I owe for debt I did n't make.
Consumer complaint received 2017-02-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (NJ)

A representative from XXXX called XXXX hung up on me when I tried to voice my concerns. Discover bank refused to service the account due to a business decision. 
I am tired of their nonsense. Please investigate them to the fullest extent. The FDIC contacted account holder and said it would escalate this claim further to the CFPB.
Consumer complaint received 2016-06-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Assets Recovered, LLC (CA)

I received a phone call today from XXXX XXXX with AR Group at XXXX ext XXXX calling for my brother. He has not given out my phone number and I told her that I did not want debt collectors calling me for my brother. She stated several times that she was not a debt collector and that she needed to talk to my brother, I told her to call him then since she had business with him. She said she had several numbers, he has had the same number for 10 years. I then searched the company and phone number she called from and they are indeed listed as a debt collector. I do not want them calling me again.
Consumer complaint received 2015-09-23
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Guidiville Indian Rancheria (NV)

The name of my bank is XXXX BANK located in XXXX XXXX, NEVADA. 

The lender charged mine and my husband 's bank account on the wrong day and for the wrong amount. 

I obtained XXXX payday loans from XXXX separate lenders. I do n't recall this lender being XXXX of them. They 're alleging I obtained a payday loan from them online. I question that, because anytime I 've ever applied for a payday loan online, I still had to speak with them over the phone and/or see them in person to finalize it. This was not the case with this lender, everything was allegedly done online according to them. In XXXX of 2015, I made contact with all of my creditors, including this lender, and informed them that due to unexpected unfortunate circumstances that have effected my financial situation resulting in financial hardship, I would only be able to make monthly payments of {$50.00} via money order or cashiers check on the XXXX of each month. I advised all creditors to discontinue debting my bank account for payments because there are no available funds for them to do so. I went on to say that I was very sorry for any inconvenience this may have caused and that beginning XXXX/XXXX/2015, I would be making monthly payments via postal mailed money order or cashiers check in the amount of {$50.00} to pay off any outstanding debts, that was the best I could do. 

This lender disregarded the information I provided and continued making attempts to ACH my bank account. Doing that only resulted in my bank account charging me fees for insufficient funds. 

On XXXX/XXXX/2015, this lender sent me an email that displayed all of my personal information in it, including name, full social security number, address, etc. Threatening me with legal action, accusing me of committing several crimes and harassing me in the worst way possible ( see attached copy of the email )
Consumer complaint received 2024-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2017-01-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Santander Bank held my deposit even after the funds cleared the bank on which the funds were drawn ( which was my business account with XXXX ). As a result the payment of my mortgage with Santandar will be late. I expect Santander to charge me a late fee and may report my late payment to the credit agencies. I complained about the impending late fee and the credit agency report to a customer service supervisor, XXXX, at the Santander phone center in Rhode Island. XXXX said that Santander 's policy is to hold deposits up to 4 business days before crediting the money to the depositors account even if the funds have cleared the source bank account. ( XXXX refused to give her last name. ) The deposit to Santander was made XX/XX/2017 and cleared XXXX XX/XX/2017. The mortgage is due XX/XX/2017. On XX/XX/2017 the on-line Standander statement reported that the funds to make the mortgage payment were " unavailable. ''
Consumer complaint received 2015-09-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

My bank charged me 5 {$35.00} fees for a total of {$130.00}. I made a deposit on XXXX at a branch and they did not post the transaction until the night of XXXX. On XXXX, my mortgage payment was processed bring the " available '' balance to below {$0.00}, even though my ledger balances was over {$2000.00}. Instead of charging me the fee on just the mortgage payment of {$4000.00} they charge me an individual fee of {$35.00} on every transaction pending.
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (TX)

I mistakenly submitted a manual online mortgage payment not knowing an auto payment would be processed a few days later. I contacted my mortgage servicer on XXXX XXXX and asked for a refund of the duplicated payment. I was told to send the request via email and it would be processed immediately. It now has taken almost a month to get a response and they are requesting more information. At this point the next payment would be due anyway, so there is no need for the refund. We were short the funds all month due to the slow customer service.
Consumer complaint received 2016-05-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: NCC Business Services, Inc. (AZ)

XXXX XXXX NCC ( litigation department ) left a voice mail on a third party phone number, stating that he knows that this is not my phone number but they have pending charges against me regarding case # XXXX leaving phone number XXXX, and they will move forward with the litigation charges.
Consumer complaint received 2015-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

Starting end of XX/XX/XXXX/XX/XX/XXXX of this year ( 2015 ) I have been paying additional money on my mortgage to pay off the principal of my mortgage. My mortgage company has not deducted the additional money paid from my principal balance and continues to say that I do n't have a payment due. I called once with no resolution. I again called today and the customer service rep then told me that I have to write a letter to their research department and will get a response within 30 days. They refuse to give me a phone number to speak with anyone. I am trying to pay my mortgage off early and it is obvious that Carrington Mortgage does not want me to do so. I am frustrated and want the {$13000.00} extra I have paid applied towards my principal ASAP!
Consumer complaint received 2016-05-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (NV)

There is an account purchased by a company called Rash Curtis & Associates from XXXX. I disputed this item with both the original creditor and the collection agency. This account was opened in my name fraudulently. When the company verified this account, there was no association to my social security number, driver 's license, or address. It just has a name that is close to mine. This company is refusing to follow the laws by removing this unverifiable, fraudulent account. I have contacted the original creditor, XXXX, and XXXX, said that there is no account opened using my personal identifying information. This account was opened in a different state and an address that I never lived in. The only thing that links this account to me, is a similar name. The person who opened this account has the same first and middle name as me, but a different last name. I sent this company and the original creditor proof of my residence at the time that this account was opened, a fraud affidavit and a dispute letter stating that this account was opened by identity theft. They are refusing to close this account and to stop reporting this account on my credit report. According to the original creditor, this account was opened and defaulted in XX/XX/XXXX. They are reporting this account as opened in XX/XX/XXXX to attempt to re-age this account. I have disputed this account with this company several times, explaining that this is not mine and since insist that my personal info was used to get this account, I filed a police report. I am preparing myself to bring civil charges against this company. I meet with an attorney tomorrow because they have violated the law and have caused me to be denied credit for a refinance which has caused me a financial hardship. I plan to bring suit to this company. I recently presented this information to the bureaus and am awaiting a response.