davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

My mortgage loan was transferred from Di-tech to a new mortgage company XXXX XXXX. The first bill I receive from XXXX due XX/XX/XXXX, states I owe an amount {$360.00} higher than my normal monthly payment of {$790.00}, a total of {$1100.00}. I have called both companies, XXXX states I need to make this payment in full and that this was is an underpayment that was transferred over from Di-tech. When I reached out to Di-tech I was told various reasons for the amount that was transferred and owed. First it was legal fees, then inspection fees, then fees from XX/XX/XXXX( unable to specify the type of fees ) and finally fees associated with a modification done back in XX/XX/XXXX. In XX/XX/XXXX, I was charged fees associated with my modification in total of  {$16000.00}, that was added to my loan, in addition to that, they assessed legal fees and inspection fees in the amount of {$3600.00}, which brought my mortgage total from {$94000.00} to {$110000.00}. Neither Di-tech or XXXX   can explain why I am now being charged an additional fee of {$360.00} 20 or 5  years later ( they cant seem to get the year right ). I don't want to be late on my payment as that will cause a domino effect of other issues ex : Late fees and who knows what other fees they will come up with. I am in need of your help as I feel they are just tagging fees and taking advantage of people to get more money. I have attached my payment history starting from XX/XX/XXXX through XX/XX/XXXX when my loan was transferred.
Consumer complaint received 2019-07-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (FL)

In XXXX I had went to a pet store to purchase a puppy. The puppy was more expensive than I thought but they said I could apply for a loan. I did and was approved for XXXX dollars. I signed the contract knowing the fees and everything no worries because I was going to do an early buyout in four months. I made my monthly payments but it was always a struggle. I was charged late fees when I was on automatic payments and my bank said they never tried to charge me, I had a random charge from them and they couldnt tell me what for, etc. in XXXX or XXXX I asked for the amount of my early buyout and was told it was over 2000 when I got an email saying it was going to be XXXX when I signed my contract. The company Monterey financial handles all the finance of my contract even though I signed with XXXX XXXX XXXX. When I heard that I got off the phone and contacted XXXX XXXX XXXX  and they told me Monterey financial was in charge of the financial part of my contract. Since then I have stopped making payments and have been doing research of my own on this company and they do this all the time. When I contacted them to do my early buyout again they let me know that I was only supposed to pay XXXX in XXXX that they gave me the wrong amount twice on accident but since I havent made any payments that I now owe XXXX. I told them that it wasnt an accident when they told me on two different day, by two different representatives and that I would give them the amount I owed in XXXX but I will not give them amount now since they lied to me with the intention to scam a XXXX year old out of a extra XXXX. They threatened me with reporting me to collection and reporting me to the credit unions. They refuse to work with me or answer any questions through email because they dont want me to have any proof. When I called they immediately said we need XXXX now when I asked what it was for they couldnt answer, when I asked why I was given a false amount they couldnt answer.
Consumer complaint received 2019-12-09
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. (NY)

I have been disputing some items on my credit report consistently for almost  five months now and I haven't received any results or response from XXXX, XXXX   or Transunion throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Consumer complaint received 2019-12-09
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. (VA)

On or around XX/XX/XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX reported to XXXX, XXXX  and TransUnion a Rental/Leasing debt of {$3300.00} with a Date of 1st Delinquency of XX/XX/XXXX, obtained from XXXX XXXX XXXX. This debt was recorded as a Joint Account. 

On XX/XX/XXXX while setting an account on XXXX  's we site to freeze my report I saw and disputed this entry using the available process identifying the debt as not mine, identifying the likely owner as my ex-wife from who I was divorced in XX/XX/XXXX with no shared assets or responsibilities. 

On XX/XX/XXXX XXXX advised that it had completed a review and that " The information you disputed has been verified as accurate ''. No further specific information was provided about the entry or process. 

On XX/XX/XXXX and XX/XX/XXXX I repeated this process with XXXX  and the equivalent with XXXX  and TransUnion with the same result and attempted to add an ( up to ) 100 word statement. The process to add the statement was difficult with XXXX, only a choice of a few fixed statements was available with XXXX   and I have found no option with TransUnion through their web sites. 

This entry alone precluded me from being able to start a contract position with the US Department of Justice and has cost me and my family many hours.
Consumer complaint received 2019-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (LA)

RESURGENT CAPITAL SERVICE D/B/A/ LVNV FUNDLING LLC XXXX XXXX  XXXX XXXX, MI XXXX I HAVE NOTIFIED THIS COMPANY FOUR TIMES CONCERNING TWO COLLECTION ACCOUNTS ON MY CREDIT REPORT. THEY HAVE FAILED TO COMPLY WITH THE FAIR DEBT COLLECTION PRACTICES ACT AND THE FCRA. 

I HAVE ADVISED THEM IN WRITTING VIA CERTIFIED MAIL CONCERNING THEIR VIOLATIONS AND THEY STILL REFUSE TO REMOVE THE INACCURATE ACCOUNTS FROM MY CREDIT FILE. 

I HAVE THE CERTIFIED MAIL RECIEPTS AND COPIES OF THE LETTERS I SENT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX I WANT THESE TWO FALSE AND INACCURATE ACCOUNTS REMOVED FROM MY CREDIT FILE WITH ALL THREE MAJOR CREDIT REPORTING AGENCIES.
Consumer complaint received 2020-01-15
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. (AR)

TransUnion finally removed the disconnected/de-activated phone number that had been assigned to someone else 2 years ago. A last name that was changed by court order and no longer legal to use was also removed. 

But TransUnion continues to report the student loan that was approved for XXXX Discharge on XX/XX/XXXX as a consumer dispute. The correct status for the loan is DISCHARGED. Furthermore, due to fraudulent signatories and attempts to apply for federal Stafford loans using my identity, XXXX, XXXX  and XXXX removed the student loan from their respective credit reports. The loan was removed due to massive fraud as part of the entire student loan portfolio, even though the loan discharged because of XXXX per se is a legitimate loan. 

As of XX/XX/XXXX, this student loan is no longer subject to monitoring by the U.S.  Department of Education or its loan servicer, XXXX. Since I met the criteria for XXXX  XXXX, the loan was officially DISCHARGED. This is the final action on this loan. The loan is inactive and will never again be open for terms or re-negotiation. Continued requests for updates on the loan violates my rights under the Fair Credit Reporting Act and the XXXX  XXXX   XXXX XXXX. TransUnion arbitrarily tries to force a different decision on the loan that leaves me open to more fraud or incorrectly reports the loan in the negative when I met all of the requirements for permanent discharge on the loan. Once again, the correct status is DISCHARGED and this loan is no longer subject to any further monitoring by the U.S. government. 

Additionally, TransUnion removed the Extended Fraud Alert and replaced it with an Initial Fraud Alert. TransUnion removed the permanent opt-out of all credit offers. TransUnion also removed the credit freeze. 

All of the other credit reporting agencies removed the discharged student loan, added an Extended Fraud Alert, added a credit freeze and added a permanent opt-out of all credit offers. XXXX, XXXX  and XXXX have correct credit reports.
Consumer complaint received 2023-06-23
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)

i have sent letters to the CRAs ( XXXX, EQUIFAX, AND XXXX ABOUT THE INACCURATE AND INCOMPLETE ITEMS BEING REPORTED ON MY CREDIT REPORT AND THEY HAVE NOT CORRECT THE PROBLEM, PER 15 USC 1681 STATES ALL INFORMATION HAS TO BE 100 % ACCURATE AND COMPLETE WHEN REPORTING, IF NOT HAS TO BE DELETED.I HAVE ATTACH COPIES BELOW
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2018-02-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

Dispute of payment for one month with XXXX XXXX XX/XX/XXXX. Amount of lease {$420.00} was withddrawn from my account XX/XX/XXXX and never credited. 
XXXX XXXX refused to acknowledge my claim and considered the account delinquent from XX/XX/XXXX to present day, XX/XX/XXXX. 
I attempted to resolve the issue numerous times to no avail. XXXX XXXX has ruined my credit and refuses to lease another vehicle to me based on the low credit score I now have due to their negative reporting to various credit agencies. 
Now XXXX XXXX is holding me hostage to buy the vehicle at a non negotiatable price.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I have disputed this acount several times for several violations according to FDCPA and FCRA 15 USC 1692e. False or misleading representation. 
I have also asked them several times to provide verification methods and they have ignored me it been over 30 days
Consumer complaint received 2019-12-09
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I believe that my escrow account has been mismanaged. 

In XX/XX/XXXX I refinanced my mortgage loan, My payment started out at {$900.00}. On XX/XX/XXXX I was sent a letter by 5th 3rd Bank reducing my payment to {$790.00} and a check for {$460.00} for an overage in my escrow account. I assumed the bank knew what they were doing. I just received ( XX/XX/XXXX ) a letter stating that my XX/XX/XXXX payment has been increased to {$1000.00} due to a shortage in my escrow account. I contacted the bank and they could not explain how their figures were so wrong. They have made mistakes on the projected cost of insurance and taxes for XX/XX/XXXX. 
and then lowered my payment. They must have caught their mistake and now I am forced to come up with about {$3600.00} over the next 12 months.

This is not right. I live on Social Security and this is going to cause me great hardship.
Consumer complaint received 2022-10-03
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)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2019-07-12
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. (FL)

I recently submitted a request for investigation of several student loans, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified all of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX  system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX  system that does not even contain my reasons for the dispute is not reasonable.
Consumer complaint received 2019-07-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bread Financial Holdings, Inc. (MI)

I have been receiving voicemails from Comenity Bank trying to collect a debt from a relative. I am a third party. I asked them to remove my phone number and cease communication to my cell phone on XX/XX/19. On XX/XX/19, they yet again left a message on my cellphone addressed to my relative. My voicemail clearly states my name. They have failed to put my number on the do not call list and cease communication to my cellphone.
Consumer complaint received 2019-07-12
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Merchants and Medical Credit Corporation, Inc. (MI)

A female representative from Merchants and Medical Credit Corporation, called my job, without stating who she was, nor where she was calling from asking for me and when asked did she want to speak to me, she stated No! I knew she worked for XXXX XXXX XXXX and hung up the phone. I am a XXXX XXXX, therefore I work at several locations and this person choose a branch where she could speak to a co worker instead of our home office. Therefore, this co worker calls me at another job site asking why are these people calling around looking for me.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX || Date of inquiry :XX/XX/2022
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have disputed this acount several times for several violations according to FDCPA and FCRA 15 USC 1692e. False or misleading representation. 
I have also asked them several times to provide verification methods and they have ignored me it been over 30 days
Consumer complaint received 2019-07-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

RASH CURTIS & ASSOCIATES Account number XXXX  Recent balance {$1200.00} as of XXXX/XXXX/XXXX RASH CURTIS & ASSOCIATES Account number XXXX  Recent balance {$700.00} as of XXXX/XXXX/XXXX RASH CURTIS & ASSOCIATES Account number XXXX   Recent balance {$530.00} as of XXXX/XXXX/XXXX this collection company reported numerous collections on my credit report. I do not recognize these charges or the original creditors XXXX XXXX  county, dental office and parking authority ... what is this for ... My numerous attempts to request validation from rash Curtis went ignored, for 3 months now I have written them with no response, I called only for them to ask for my phone # and social and now they are calling me non stop and said they will be calling sheriffs office and garnishing wages .... I simply wish to know what these fees are for and if they are mine as I always pay my bills on time and have a good reason to believe that there may be a mistake on their behalf. please help me to resolve these issues damaging my credit
Consumer complaint received 2020-01-15
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. (CA)

Equifax doesn't remove " collection account # : XXXX ''. This incident might be related to a bill on XX/XX/2018 from a medical center that I have paid the bill in 6 month interval. By the law, " If an unpaid medical bill goes into collections, the collection agency must notify the consumer that the account was placed in collections. The consumer then has 180 DAYS ( SIX MONTHS ) from the notification to pay the account before Equifax is ALLOWED to report it to my credit history. Additionally, once a medical collection has been paid, the medical debt must be removed from the consumers credit report within 45 days ''.
Consumer complaint received 2017-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (WA)

XXXX, a " representative '' of the CBE group wanted to collect {$2000.00} dollars on behalf of XXXX XXXX XXXX I 've never used XXXX XXXX XXXX. She also mentioned I had been in collection for 5 days. The phone number she called from was XXXX. She also knew my home address and last 4 of my social security.
Consumer complaint received 2020-01-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MA)

On XX/XX/2019 I received a letter from XXXX XXXX XXXX. that Ditech my mortgage was going to foreclose on my property. I called Ditech on the XXXX on why they were going to foreclose on my property they said that I went over 120 days and they are going to foreclose I told them that I did not go over 120 days and they said I did .I told them that I was three mo behind not four she said I did not make XXXX payment I told her I did. I called in to make my payment and Ditech is so pose to be open on Sunday I calld on XX/XX/XXXX and they said that they were closed I called XXXX XXXX and made the payment that way.when I called on XX/XX/XXXX to see if they received my payment they said that they did on the XXXX th. I called XXXX XXXX and they said they payed Ditech on the XXXX of XXXX. I called Ditech with the info and they said they would get back to me when they found my payment.They found my payment but they would not let me make The XXXX payment to they cleared it up.They also were to fix my credit report and take care of the fees because it was there fault.After numeris calls they took care of the fees. but did not clear up my credit report and it did cause problems with my credit. Ditech sold my Mortage to XXXX XXXX and XXXX XXXX said I owe them XXXX for the Attorneys fees and some outer fees.I have a statment that says I do not owe Ditech any money.I am A senior citizen and a XXXX veteran I should not have to go through this with mortgage companys.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I contacted the 3 reporting services about fraudulent activity in connection with my credit report and instead of them acting as I requested, they posted unrequested fraud alerts and consumer statements to my credit report. This, in turn, rendered my reports useless for me to use.