davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

My mortgage servicer made a huge error on my annual mortgage escrow analysis. After complaining to the CFPB they finally fixed it. I delayed making may XX/XX/XXXX payment until XX/XX/XXXX, waiting for them to fix the error and correct my payment amount due. 

They charged me a {$5.00} processing fee for making the payment, which was not disclosed to me when I initiated the payment. 

This is rediculous. They mess up my mortgage escrow, had to refund me over {$1300.00} in excess escrow balances, adjusted my monthly payment down by about {$200.00}, then charge me {$5.00} for paying on the 6th of the month? 

This is the third time I've filed a complaint against this servicer. Filing complaints is the only way to get them to fix their errors. They should be fined.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

REVISED COMPLAINT : Credit inquiries by these companies that I did not authorize : 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 2021-03-18
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. (LA)

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Debt Recovery Solutions, LLC (FL)

I filled a dispute in regard to the incorrect item on my credit report it has been well over 30 days ago and I haven't received any investigation results. This account was transferred/sold and I am no longer responsible for the account. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature Does not validate the debt and anybody can send a bill and say it's mine.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

{$5000.00} were fraudulently taken from my Citibank checking account and a claim was filed with the Fraud department at Citibank. When the claim was filed I was told by the Citibank representative that it would take 45 days to do the investigation and my account would be locked which would not allow me to access any funds or process any transactions. I was told that deposits could still be made to the account, however when I tried to deposit money at the atm it did not allow me and I got a message saying the account was locked. 

At the time of filing the claim, the representative also suggested that a new debit card be issued and cancel the old debit card, the representative stated that once I received the new debit card I could also update my online password. I have not been able to update my password as the account is blocked for investigation. 

After less than 30 days since my claim, I received a letter stating that the investigation of the dispute had been completed and that Citibank was denying my claim because they determined that I authorized the transaction. 

As you can imagine I was livid and upset beyond measure, not to say the state of panic I was in losing {$5000.00} from my account. I called the dispute department at Citibank at the number on the letter which stated You are entitled by law to obtain copies of the information used in our investigation. I requested the details of the investigation and the representative could not find any details noted in the account. They did not have anything to support their investigation or reason for drying my claim. 

For the appeal, I faxed a set of evidence to support my claim, it included a police report for the identity fraud and cybersecurity fraud. Again Citibank has denied my claim stating they maintain their position to deny my claim. It has now been over two months fighting this with Citibank and my account is still blocked and I have not gotten my money back. I have spent countless hours on the phone calling customer support, the fraud department, the disputes department, I have gone into the Branch to speak to the manager to see if they can help. The manager has been compassionate and has guided us but cant do anything they keep directing us to a phone to call customer support. 

At this point I need the account to be unblocked so I can move my money to a different bank but no one can figure out how to unblock the account, this is so frustrating. They are holding all my funds now for no apparent reason!
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy 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 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 


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 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 2021-03-18
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. (TX)

my Personal information is inaccurate my address is XXXX XXXX XXXX. The 3 credit Bureaus are reporting different. 

XXXX XXXX . Incorrect information on my credit report. Transunion is reporting Date opened XXXX, XXXX is reporting date opened XXXX. I've called numerous of times bad customer services. 

XXXX XXXX. Incorrect information on my credit report. Transunion is reporting Date opened XXXX, XXXX  and XXXX reporting date opened is XXXX. Also The High credit is inaccurate. Transunion reporting is {$78.00} XXXX  reporting {$0.00} XXXX  reporting {$77.00} Original Creditor is Violating FDCPA Section 807 misleading false reporting. 
I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me I feel like I'm being taken advantage of being ignored of my dispute.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am formally requesting the removal of this inaccurate late payment from my account. My payment history demonstrates consistent timeliness, and it is unjust for me to face repercussions for an error beyond my control. I respectfully ask that you promptly update my account to accurately reflect the correct information..
Consumer complaint received 2020-03-13
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)

Reviewed credit report in XX/XX/2019 and found a XXXX Credit Card was opened using my personal information. Contacted credit bureaus to remove information and was denied due to verification from creditor. No evidence of verification was produced. Contacted XXXX XXXX directly and they are refusing to close account and remove from credit reports. I have requested numerous times to produce evidence and no evidence has been given showing the account belongs to me. I filed a police report, a complaint with the FTC and complaint with IC3 and  mailed all the complaints along with a letter and verification information ( License, social security card and current bill ) to both credit bureaus and creditor and the account still has not been removed.
Consumer complaint received 2020-03-13
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. (GA)

I have disputed several times about the derogatory marks on my reports which include XXXX  ( XXXX  XXXX  in the amount : {$670.00} and XXXX XXXX in the amount : {$560.00} ) Equifax ( XXXX amount : {$670.00} ) and XXXX  ( XXXX XXXX XXXX in the amount : {$660.00}, XXXX   XXXX  in the amount : {$670.00}, XXXX XXXX in the amount of {$560.00} and XXXX XXXX XXXX in the amount of {$470.00} ) .I have also disputed with the furnishers by sending in affdavits in reference to the FDCPA section 1692g and 1692e.I never received any information.This is violation of the FCRA reporting false information with no proper verification.
Consumer complaint received 2021-03-18
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. (PA)

I previously asked the credit bureaus for a investigation on account that was fraudulent opened in my name the company was sent a letter for validation of my debt company never responded I also wasn't given anything about the results of my dispute I have proof I sent numerous certified receipts. I sent proof of my identity and my FTC report and now this is my next step before I file a law suit. I will be submitting ALL my proof thanks again.
Consumer complaint received 2020-03-13
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. (CA)

I was made aware of an account from XXXX XXXX XXXX today XX/XX/20 when I was denied form getting a loan at XXXX. I had no idea this account was on my credit report reflecting badly because I did not open it. This account does not belong to me and I have reason to believe that it was opened without my permission. I never opened an account with that company and I have never authorized them to run/access my credit. I did not benefit anything from this account such as money, goods, services or any other benefit. I filed a police report regarding this unauthorized account.
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

Lakeview Loan Servicing , LLC subservicing by XXXX is my mortgage company. Since closing on my condo with them, I have never missed a payment and made all my loan payments on time. On XX/XX/2020 I made my payment for the amount of {$1500.00} just to receive a letter a few weeks later saying that I needed to submit another payment. I checked my bank account and the money was pulled from my account. I will attach proof of it which I received from my bank that the money was withdrawn and it did not come back to my account. Since XXXX, I have made several attempts to reach out to the mortgage company and each time no one is able to help. They either hang up on me or say they will look into it. Every other day I'm being harassed by them by phone calls about my payment. 
They say they don't have the payment and I don't have it either. So someone needs to explain to me who has it. 
The only reason why I'm contacting the CFPD is because the mortgage company has not taken any action in resolving the situation. 
Please help. At this point its affecting my mental health because I have never been late on any of my payments and I have never had to deal with a situation like this.
Consumer complaint received 2019-12-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: AmeriCash Holding LLC (IL)

There was a payment of XXXX taken from my credit card ending XXXX on XX/XX/2019 that I never authorized or submitted for payment. Last payment I submitted online for approval was on XX/XX/2019 XXXX which posted on XX/XX/2019 and no other payments were authorized to be taken off that card after that.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I was recently subjected to adverse credit action by XXXX XXXX  ; and as a result, I requested my credit report from all three credit bureaus, including XXXX, XXXX, and TransUnion. XXXX and TransUnion were unable to provide me any credit report despite providing a credit score to the lender. I have mailed my request and attached copies of identity documents in support of my request, but I have not heard from the two bureaus after mailing. I was advised over the phone by XXXX and TransUnion that it would not be advisable for me to further access my credit file online, as there exist certain metrics ( XXXX block? ) that further prevent access to my credit report after any additional attempt.
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (MD)

I have learned that my husband and I received the fraudulent mortgage loan. On or about XX/XX/2016, we used the same servicer, Nationstar Mortgage LLC to apply for a mortgage refinance under the federal government 's Home Affordable Refinance Program ( " HARP '' ). Nationstar failed to comply with numerous requirements of the HARP Guideline for the HARP mortgage transaction as following : The proceeds of the refinance mortgage must be used only to : 1. Pay off the first Mortgage ( amount including only the XXXX and interest accrued through the date the Mortgage being refinanced is paid off ) 2. The proceeds from the mortgage after the proceeds are applied as described above must reduce the mortgage or the excess amount must be applied as a principal curtailment to the HARP mortgage. 
3. Under no circumstances may cash disbursed to the Borrower exceed {$250.00}. 

Upon my request, Nationstar provided me with a " FOR INTERNAL USE ONLY '' payoff statement showing the interest rate of 3.375 %. Loan Officer, XXXX XXXX added the inconsistent interest due of {$1500.00} to the XXXX of {$280000.00} to be paid off. The HARP mortgage transaction was executed on XX/XX/2016 and originated Loan on XX/XX/2016. 

Unbeknownst to us, on XX/XX/2016 Nationstar cut down the interest due to {$1300.00} and funded its own total payoff amount which resulted in the excess proceeds. Per the HARP guideline, the proceeds of the refinance mortgage must be used to pay off only the XXXX and interest accrued through the date the mortgage being refinanced is paid off and the excess proceeds must apply to reduce the mortgage or the HARP mortgage. Mr. XXXX failed to apply the excess proceeds to the mortgage, or the HARP mortgage. 

On XX/XX/2016, Mr. XXXX had us signed the corrected closing disclosure specifying the changes to prepaid costs. He failed to disclose the actual changes to payoffs. Nationstar disbursed the cash of {$280.00} in XX/XX/2016 which exceeded {$250.00} per the XXXX XXXX HARP guideline. Nationstar provided us with the unreduced HARP loan.
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

I applied for a forebearance plan with my mortgage and within a day I received a confirmation e-mail from the collector that I had been approved to the plan, however, I would still receive a letter in the mail with details on when it official begins and the duration of such plan. Furthermore, I found communicated obscurely that am required to accept the terms and returned this document with a signature in order for it to be activated. The " approval of plan '' e-mail is misleading in both wording and in creating a false sense that you are in fact covered by the plan when you are not. 

This crucial letter never came, and now my pay period ( XX/XX/2020 ) is coming in under a week. Not knowing whether this month is covered by my forebearance plan and never having signed the agreement and returned it, I now have no choice but to make a full payment to my mortgage. I fear if I do not make this payment, which I can not afford to, it will impact my credit score and I will also be penalized with a fee.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive been in contact with federal peace officers pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate/fraudulent inquiries I have listed immediately, the following includes : EQUIFAX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 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 an account without my handwritten instructions.
Consumer complaint received 2020-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

Target marked a payment as late. what happened is they attempted to charge a bank account that was removed several months previously. They did not attempt to charge a current account. I called Target and they fixed the issue and said it would not appear on my credit report. But then it did so I called them again and they said they would remove it and yet they did not. 

due to an error on their side there is a false late 30-day payment mark that needs to be removed.
Consumer complaint received 2020-03-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Autovest, L.L.C. (NC)

Autovest LLC.Debt Company XXXX XXXX  ( XXXX ) XXXX court docket # XXXX XXXX XXXX  District Court of Maryland XXXX, garnishment judgment for $ XXXX= ( {$8200.00} ) ( {$6500.00} ) + $ XXXXcourt cost fees for a repossessed car Auto loan from XXXX, They went to court on XX/XX/XXXX. I was living in Virginia then and debt pass 7 years old or  repossessed no longer liable. I was never informed or live in this state MD, never received subpoenas for court dates.