davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently received a copy of my credit file where I found 2 accounts for XXXX XXXX XXXX/ Total card account number XXXX and account number XXXX both accounts state s status of included in bankruptcy but also shows sold to XXXX XXXX XXXX XXXX and Im receiving collection notices from XXXX XXXX XXXX Im also receiving collection notices from XXXX XXXX XXXX trying to collection on the same 2 accounts ( letter attached ) And a third collection notice from XXXX XXXX XXXX for the same accounts This is a direct violation of Fair credit reporting a creditor can not sell an account if it is discharged in bankruptcy nor can the company that purchase the debt collect on it Also 3 companys can not collect the same debt Also any account listed in credit report must have payment history which neither account has listed
Consumer complaint received 2020-08-12
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. (PA)

It would be fair to have the negative remarks removed and the report showing it is closed NOT " in dispute. '' OR It would be fair to just delete the negative report after all the hours and days I've spent trying to remove or improve my credit with XXXX XXXX from some collections that occured to me during a medical injuries I sustained and was out of work for 4 months. I have paid all balances to {$0.00}. I don't owe anyone money. They can at least help a willing customer.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Experian continues to lower my score each time i submit a dispute about account with XXXX XXXX XXXX. The account has been delinquent 10 yrs and they are allowing the creditor to to still report even though acct is 10 yrs old n experian isnt asking for proper records showing the account has been deliquent for 10 yrs. and experian can not explain to me why they continue to lower my credit score with disputes n no changes to credit report at all. Experian is completely fraudulent in lowering my score and i feel they are doing it with no just cause and maybe should have a class action lawsuit against them. They lower my score 17 points today with no reason why? N 8 points last week no explanation. Theres no changes. I need answers and need experian to fix this and make it right.
Consumer complaint received 2020-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

on XX/XX/2020 I sent to XXXX a certified letter Detailing my private information. I told them I had only the information of : Name : address : Phone : XXXX : SS # : Work : And that no other past information was to be reported because I can only be reached at the current information provided. 

With this letter, I sent a second letter detailing companies who affected my credit by pulling credit inquires without my written permission and none of these issues have been fixed. 

I have called several times and even tho they state they have been fixed when they send me a new credit report the information is still showing. 

Attached is the first set of letters. I have sent a second set of new credit inquires which has not been responded to which I will file at a later date when the 30 day mark is reached
Consumer complaint received 2022-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (SC)

a company called Spring Oak Cap ( capital ) representing with XXXXXXXX XXXX is, state the same derogatory collections account on my credit report from XXXXXXXX XXXX is posting information on my credit and public information that I do not own or have had dealing with. 

XXXXXXXX XXXX XXXX, This account says it was started in XXXX and last active in XX/XX/XXXX. 

I have not had dealings with a company called XXXXXXXX XXXX. This company was also again found under another company claiming they represent them and saying similiar open account dates.
Consumer complaint received 2022-11-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HOMESTAR FINANCIAL CORPORATION (GA)

This mortgage corporations has violated my Federally Protected Consumer Rights, Pursuant to XXXX XXXX XXXX ( a ) failure to disclose more conspicuously, on determination of a finance charge, also violating XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE .... XXXX XXXX value and consideration, there was no evidence of a debt on the face of the Consumer Credit Transaction XXXX My name was on the deed before I went to the closing table, according to XXXX XXXX XXXX the seller needs to perform in lieu of the buyers obligation to perform ... ... ..other complaints are in my files uploaded.
Consumer complaint received 2020-08-12
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: ERC (PA)

My balance was paid to {$0.00}. I contacted each individual credit bureau ( XXXX XXXX, and XXXX ) about removing derogatory remarks under the comment section in my derogatory report. I was told I could only file a dispute with the credit bureau, or I could contact the creditor individually. So I contacted the creditor and explained that I would like these remarks removed in which they told me to contact the credit bureaus and they could not help me. The issue I'm having is that they keep sending me back and forth and refused to help me. I'm trying to get an approval for a mortgage loan. I've explained to both creditors and bureaus that I can not obtain a mortgage loan of any kind ( FHA/Convensional/jumbo/ USDA/VA ) because of these derogatory remarks or with any reports in dispute. I was also denied twice by two separate lenders because of having a dispute open. So I closed the dispute over 45 days ago and my credit report is showing they are still in dispute. I'd like for this creditor to either delete the report OR delete the negative remarks in the comments section and also update it as closed.
Consumer complaint received 2020-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This is my Third attempt to get CFPB to resolve my complaint. I don't understand how no one is being held responsible for funds lost after depositing into a bank ATM. 

The previous complaint was not resolved. I still have yet to be contacted by anyone at Bank of America, so i have a hard time understanding how CFPB or Bank of America can close a complaint when it is unresolved. 

Additionally, this issue happened while i was attempting to fund my account during the COVID-19 pandemic travel restrictions and my complaint is still not being honored by CFPB or Bank of America. So the second time here it is : On XX/XX/2020 I visited the XXXX XXXX  at XXXX XXXX XXXX in XXXX, MD. The purpose of the visit was to deposit {$1000.00} into my Bank of America checking account, using my Bank of America ( BOA ) debit card at the XXXX XXXX  ATM. Due to the COVID-19 pandemic travel restrictions in place, I could not travel the 20 miles required to reach the nearest Bank of America and XXXX XXXX  was only two miles from my home. At approx. XXXX XXXX, I inserted {$1000.00} cash into the ATM and selected the option to deposit funds into my Checking account. I received a message that stated " TRANSACTION SELECTED CAN NOT BE PROCESSED. TRANSACTION MUST BE AT YOUR INSTITUTION '', however the {$1000.00} funds I had deposited in the ATM were not returned to me once the transaction was declined. I immediately went inside and informed t he XXXX XXXX  Bank Teller and Branch Manager that the ATM did not return the funds. The Branch Manager informed that his location had been experiencing issues with the ATM, but I needed to contact Bank of America to receive the funds because i used a BOA debit card for the transaction. I asked the Branch Manager how Bank of America could be held responsible for issu es with his ATM. I also asked him how did XXXX XXXX  plan to address the excess {$1000.00} that would reflect in their ATM. He told me there was nothing he can do about it and that I needed to contact BOA regarding this problem. After contacting BOA, they initially stated i needed to file a claim with XXXX ( which i did ) but the next day another BOA representative I spoke to informed me that they would resolve the issue directly with XXXX XXXX  and I should have my funds deposited into my Bank of America account the next business day. {$1000.00} was deposited to my Checking Account and the claim was under investigation. 
On XX/XX/2020 I received a message from Bank of America stating they were unable to locate the deposit made at the XXXX ATM, the {$1000.00} t hey placed in my account would be extracted XXXX and that if i wished to investigate further I would need to call Customer Service or send a receipt. UPDATE : my checking account is now at - {$990.00}. 

I also provided a receipt reflecting the declined transaction and Bank of America completely ignored it. 

Please others know that banks will not honor their customers during a time of pandemic
Consumer complaint received 2022-11-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX I noticed on my online banking account that XXXX was moved fromy savings account to my checking account I didn't do it I called the online banking support number and told them they saw it and said they put the money back so I looked again on the XXXX and all the money was gone I called back on the XXXX of XXXX and opened a claim XXXX XXXX later I got a denial letter in the mail without ever speaking to anybody from the fraud department this is citizens bank so I called number on the letter for XXXX days being on hold for at least XXXX each time before hanging up I went to the branch office and changed all my accounts I asked the customer relations person to reopen my claim she said she did this and I would receive a call from the fraud department a week went by I tried to call her back and emailed her and got no response so I called the online banking service number again they told me that the claim wasn't reopened! so I reopened it and had it expedited I spoke to a person and her supervisor who told me I would receive a call within XXXX and she would personally calle back to make sure they called me back they didn't call and neither did she I called back and reopened my claim again on XXXX the XXXX it's been over a month of getting the run around and not getting my money back this despite being told that it was blatant fraud someone hacked into my online bill pay account and sent checks to a different bank
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: American Consumer Credit Counseling, Inc. (NH)

I signed up with American consumer credit counseling back in XX/XX/2018 to help put my credit card payments into a debt management plan making one lump sum payment and lower interest rates on my cards. After 5 months I was still being reported as late and damaging my score severely the company insisted it was my fault and continued taking my money monthly and doing nothing. Causing my score to tank. Horrible service
Consumer complaint received 2022-11-01
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. (GA)

I have not received any information on how you have verified the erroneous information and alleged account attached in Exhibit C. Therefore, I request that you consider this as a final notice to your offices. Beyond this point, the CFPB will have authenticated sworn testimony from my end which I will gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ****** ( copied from the affidavit attached. ) ******
Consumer complaint received 2020-08-12
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. (CA)

I recently tried to dispute some accounts that were on my credit report with Trans Union, XXXX, and XXXX. I did so because there are collections on my report which I do not owe or are not mine. I still haven't heard anything from any of the credit bureaus. I read how you have taken a relaxed stance on the credit bureaus from doing their job. I placed the link below even though I know you are the ones who issued it so are ware of it. 

https : XXXX All I want is for the credit bureaus to do their job. They need to delete accounts that do not belong to me immediately and they need to do so without me having to file complaints against them. Thank you.
Consumer complaint received 2020-06-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (ID)

This is a predatory loan. The interest rates and cash advance fees they charge people that are struggling make it impossible to pay back. The rates are predatory and don't fall under the Fair Lending Act. The interest rate is 299 % with a cash advance fee that is 25 % of the advance amount. Due to the predatory acts or this company, I was unable to pay my loan and it went to collections.
Consumer complaint received 2020-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

My husband, who is the sole provider of my household, owns a travel agency which has been directly impacted by the covid-19 pandemic, resulting in financial hardship for our family. I have communicated this information to my mortgage lender - Rushmore Loan Management Services - both verbally and in writing, asking for a forbearance plan for our mortgage payments. They provided us with a payment deferral plan from XXXX ; however, when I asked for an extension of the existing payment plan or to be put into a forbearance plan due to our pandemic-related financial hardship, they mailed me a multi-page package requesting detailed information about my monthly income and expenses, as well as a copy of paystubs, bank statement from all my accounts, signed and dated tax returns, and last 3 months of Profit and Loss Statement signed and dated, among other things, in order to review and determine my qualification. 
I would like to know my rights in this situation and if I am indeed required to provide the information requested on this packet in order to receive a forbearance from my lender, because according to CFPB 's website " Under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, and guidance from federal agencies and the GSEs, there are two protections for homeowners with federally or GSE-backed ( XXXX XXXX or XXXX XXXX ) or funded mortgages : First, your lender or loan servicer may not foreclose on you until at least XX/XX/2020. Specifically, the CARES Act and the guidance from the GSEs, the FHA, the VA, and the USDA, prohibit lenders and servicers from beginning a judicial or non-judicial foreclosure against you, or from finalizing a foreclosure judgment or sale. This protection began on XX/XX/2020, and extends through at least XX/XX/2020. 
Second, *****if you experience financial hardship due to the coronavirus pandemic, you have a right to request and obtain a forbearance for up to 180 days. You also have the right to request and obtain an extension for up to another 180 days ( for a total of up to 360 days ). ***** You must contact your loan servicer to request this forbearance. There will be no additional fees, penalties or additional interest ( beyond scheduled amounts ) added to your account. *****You do not need to submit additional documentation to qualify other than your claim to have a pandemic-related financial hardship. ****** '' Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point I am being denied on my acquisition of credit due to the fraud.
Consumer complaint received 2020-08-12
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. (FL)

Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point I am being denied on my acquisition of credit due to the fraud. 
XXXX - CARD SERVICE XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I contacted this company via XXXX  because of an error on my report. The account is resolved but yet it is still reporte only to find The company is CLOSED and the agency XXXX will NOT release the error from my report. XXXX XXXX has confirm the amount as XXXX and should be removed however it is being being report by XXXX According to FCRA it is error and should be deleted from my report. They can verify the account because the business CLOSED and XXXX XXXX has not authorized the release because of the absence of receiveing a response from a company whom is CLOSED for business confirmed via the XXXX. See below. 

********************************************************************************************** RE : Complaint ID # XXXX Dear XXXX XXXX : Thank you for contacting XXXX XXXX XXXX serving the XXXX XXXX ( XXXX  ) for assistance with resolving your dispute regarding XXXX XXXX XXXX XXXX. 
A copy of your correspondence was forwarded to the company ; however, XXXX  was unsuccessful in reaching the company for a response due to one of the following reasons : The company has confirmed to be out of business The company is believed to be out of business The company can not be located At this time, XXXX  regrets to inform you that we can be of no further assistance. If you wish to pursue this matter further, you may try contacting your local Attorney General 's office or the Bankruptcy Court. 
The company 's XXXX  Business Review has been recently updated and is available online at XXXX, or by calling. 
XXXX  appreciates that you took the time to contact us. Your experience with the company will be kept in XXXX  files for three years as part of this company 's record. 
Regards, Your XXXX XXXX XXXX
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (NY)

Upon discovering numerous fraudulent accounts on my credit report, I immediately recognized that I had fallen victim to identity theft. I promptly contacted the local authorities and made every effort to have these fraudulent accounts removed from my credit report. Despite my persistent endeavors, all but one of the fraudulent accounts persist, inflicting considerable harm to my credit health. One such account is a credit card issued by XXXX, bearing the account number XXXX and carrying a balance of {$2100.00}.
Consumer complaint received 2020-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

The mortgage was transferred from OCWEN to PHH mortgage. Now I received some letter advising XXXX is now involved but PHH is still handling mortgage. Upon attempting to log on, I got a message saying I needed to re-register. I attempted to do such with no success. It keeps telling me that Account not found. I contacted customer service Via phone and they said they will submit A ticket to the web support department. They said could take a week. After a week I sent an email to them, this was on XX/XX/XXXX. On XX/XX/XXXX they sent me a reply with detailed instructions. The same instructions that have not been working. They also requested screenshots if I was still having difficulty. I sent them screenshots on the same day ( XX/XX/XXXX ). I received no response. On XX/XX/XXXX I sent a follow up email. I have still yet to receive a response or have the issue addressed.