davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
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: EQUIFAX, INC. (MS)

On XX/XX/year> | sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like l 'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got in the hands of the wrong person
Consumer complaint received 2020-03-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I refinanced my home loan with XXXX XXXX/PHH Mortgage Services and have had issues with them since initiating the loan. They arbitrarily raised the property tax escrow account based on the home value rather than the actual property tax amount owed. We had to make several phone calls and eventually fax our property tax paperwork to fix that. In addition, XXXX XXXX/PHH Mortgage Services said we didn't have homeowners insurance and was charging us for that as well, but we provided documentation to substantiate our claim and that was also fixed. I wanted to pay my mortgage via direct debit in XXXX of 2020, so I set it up in XXXX of 2020. The money was to be debited on XX/XX/2020, but was never debited. Despite emails and several phone calls, my mortgage payment has not been debited. My concern is that the payment is considered late ( I am getting Mortgage is Past Due letters ), accruing interest and late fees and will eventually affect my credit. After waiting over an hour to speak with a PHH supervisor concerning my mortgage on XX/XX/XXXX, they hung up on me.
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

I recently discharge from bankruptcy and I was reviewing my mortgage and noticed that my loan balance balloon to almost {$100000.00} from the original loan amount of {$54000.00}. I do not understand how the mortgage balance increase to such an extraordinary amount. I reached out to Caliber Home Loans on XX/XX/XXXX, XX/XX/2020, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to get an explanation as to how I could owe more on the mortgage than the agreed original amount. None of the responses I received made sense, as they were saying the outrageous increase was due to a deferred balance amount that is the cumulative difference between my monthly Average Billing amount and what I would owe if you were not signed up for Average Billing. I furthered inquired as to what average billing was and when did I signed up for such a terrible program. Caliber could not provide any proof or information and indicated that it was part of my home modification. I asked Caliber to furnish that proof and XX/XX/XXXX and they requested I give them up to 30 days to comply. It has been more than 30 days and Caliber has not provided proof as to when I agreed to be put in such a terrible program.
Consumer complaint received 2021-01-14
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. (IA)

XXXX has been incorrectly reporting payment history to XXXX, XXXX, Experian, XXXX since XXXX. 
I have submitted countless reports to CFPB, XXXX, XXXX, Experian, XXXX, and XXXX for the last 3 years. XXXX is the only company to do anything about it. It's obvious that XXXX is mixing my account with someone else. During this same time frame, XXXX  had my birth year as XXXX ( has since been corrected ), Experian has an alternate name of XXXX XXXX listed RIGHT NOW. Several inquiries that are not mine, addresses in California and Kansas that were eventually removed.
Consumer complaint received 2020-03-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Man showed up in plain clothing to my home waited for me to pull in my drive way dropped paper work off from XXXX XXXX XXXX did not give his name. Took pictures of my home and my children without my permission. I called the company and have not received a phone call back. The man gave me paperwork stating that I had a court date and that they would pass a judgement on me.
Consumer complaint received 2024-01-04
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. (NY)

Transunion didn't let me file a dispute through their website for accounts that are being reported due to identity theft. Through credit karma I was able to file a dispute for only one account. Transunion is the only agency that are still reporting this invalid accounts. Please review my FTC report and immediately remove the accounts listed.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2022-12-28
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: Lac Courte Oreilles Financial Services II (CA)

As we have always done, we asked for the full XXXX to be taken out on the XXXX XXXX XXXX XXXX XXXX have had XXXX XXXX and did not know I was put in a system to loose lots of money to that company. We have made it plain we do not see the terms they changed us to. For ever paying this bill.. we have already paid XXXX for nothing they say. XXXX!
Consumer complaint received 2020-03-26
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. (NC)

Ive reached out to the debt collector, they wont speak with me as the name and social dont match. Ive tried to resolve this with the credit bureau and they refuse to remove it even after seeing the social security number and name do not match
Consumer complaint received 2020-03-26
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. (NC)

Ive reached out to the debt collector, they wont speak with me as the name and social dont match. Ive tried to resolve this with the credit bureau and they refuse to remove it even after seeing the social security number and name do not match
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have had a series of inquiries and false additions to my credit report. Companies such as XXXX  ( now showing as XXXX XXXX XXXX ), XXXX ( now showing as XXXX XXXX XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX are showing as recent collections. I notfied Transunion that there is an error as XXXX XXXX was removed from XXXX, and XXXX I believe it was fraud but have no proof I have been asking them to send me a bill which they never do Transunion is the only agency refusing to remove it. XXXX is only reported as a collection account on Transunion they are now going as XXXX XXXX and will not provide a bill of the paid or owed account. Furthermore Transunion has been allowing XXXX XXXX XXXX to aceess my account I called XXXX and since I have no account with them they can not stop it, I also called Transunion who also says I have no account allowing for that. However when you pull my report my credit is actually pulled up to 5 times per month fraudulently by them with no account I can access. I also believe this is why all of the fraud is happening on my credit and why Transunion reporting is so much different from XXXX  and XXXX  as much a XXXX points on my credit last month.
Consumer complaint received 2020-03-26
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. (NC)

Ive reached out to the debt collector, they wont speak with me as the name and social dont match. Ive tried to resolve this with the credit bureau and they refuse to remove it even after seeing the social security number and name do not match
Consumer complaint received 2020-03-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Universal Recovery Corporation (CA)

XXXX XXXX has failed to close my month to month policy which I took out XX/XX/XXXX which I cancelled once I got new coverage. 

The policy was month to month so if I didnt renew there was no coverage. So I saw no need to renew if I didnt pay for the next month. 

XXXX XXXX has reported adversely in my credit report and sold the account to : UNIVERSAL RECOVERY CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and have reported negatively on my credit for {$320.00} as of XX/XX/XXXX claiming that the account was opened XX/XX/XXXX by XXXX XXXX. 

I have disputed with XXXX  to delete this multiple times and have requested PROOF OF DEBT from Universal Recovery and have received none. 

Can you assist on getting proof of this debt? 

Thank you in advance for your assistance
Consumer complaint received 2020-03-25
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: EQUIFAX, INC. (PA)

I am having problems with everything that says customer disputes, I had my Identity stolen and the items on my report are saying customer disputed And its basically saying theyre my accounts and theyre wrong .... Ive had sent a copy of my Police report to the companies and to the 3 credit Bureaus. Im still getting no Help. My wallet was stolen and when I sent to replace my license it actually had another persons picture on it. they changed my height from XXXX to XXXX as well : ( I had sent all my information to each credit Bureaus, I did see a small change in my report on XXXX XXXX, But XXXX only removed an address that Ive never lived before. I need Help Badly! Im at my wits end : ( Please Help! ) Thank you
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2020-03-26
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. (NY)

Equifax, XXXX & XXXX is reporting false information on my credit report. I have requested verification and they continue to violate my rights. I recently submitted a request for investigation of an XXXX XXXX XXXX  XXXX Acct Number # XXXX & XXXX XXXX Acct Number #  XXXX, which In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? since you obviously did not investigate this account thoroughly enough the last time I submitted one. If you had investigated properly, rather than use your e-Oscar system. I find this particularly interesting because they made their decision based off of the Name and Address. Ive attached my recent Equifax dispute results along with CFPB complaints and responses against both XXXX XXXX XXXX and XXXX XXXX. 

Cfpb complaint XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX   complaint XX/XX/XXXX XX/XX/XXXX It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, 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 e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter
Consumer complaint received 2020-04-04
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)

Since XX/XX/XXXX XXXX XXXX XXXX  ( Mortgage owned by XXXX XXXX XXXX ) stopped reporting the status of my payments, which were made on time. By failing to report the status of my recent payments, it lowers my credit score preventing me from re-financing. I have filed complaints with both XXXX, and then the credit bureaus. Transunion closed the complaint without changing the status of payments since XX/XX/XXXX. The payments should be reported as on time, since XXXX failed to report the status to Transunion. In XX/XX/XXXX, XXXX  XXXX XXXX stopped using XXXX XXXX  XXXX   to manage mortgages, and it is now with XXXX XXXX. I would like Transunion to change the status of the payments from XX/XX/XXXX to XX/XX/XXXX as on time or current instead of " not reported ''.
Consumer complaint received 2020-03-26
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. (PA)

I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a company XXXX XXXX who I am not aware who they are. I did not do anything with any of my cars with them. They are giving me hard inquires on XX/XX/XXXX and XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me.
Consumer complaint received 2020-04-04
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. (IL)

Experian continues to reports inaccurate information on my report after several request to remove and initiate full investigation 1.XXXX {$1000.00} 2.XXXX XXXX  XXXX   XXXX  {$5500.00} 3.XXXX XXXX XXXX  XXXX {$26000.00} 4.XXXX XXXX  XXXX   XXXX {$4900.00} These accounts where all open fraudulently
Consumer complaint received 2024-01-26
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: TD BANK US HOLDING COMPANY (MA)

I received a solicitation email from TD bank in regards to a special loan offer The email specifically stated this will not impact your credit report I filled out the information and within XXXX XXXX received notice from my credit monitoring service alerting me credit has been impacted I never signed any document or promissory not to any loan I only wanted to get rates and terms
Consumer complaint received 2020-03-26
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Todd, Bremer & Lawson, Inc. (MI)

Todd, Bremer & Lawson ( TBL ), a debt collection agency in XXXX XXXX, South Carolina, is being neglectful of consumer 's rights, has used deceptive means for collection and is being completely dishonest. TBL initially deceptively contacted me via phone using various non-searchable/ verifiable phone numbers. I answered a incoming call from a local phone number, not expecting a company from a different state. Agent began the process of attempting to collect an alleged debt. I requested debt validation and further information. Company failed to provide validation and continued to report the debt to the major credit bureaus. After 30 days, I filed a civil suit against TBL for FDCPA & FCRA violations. Company then fraudulently reported to the credit bureaus that the debt was paid off. This company denies reporting or attempting to collect. This company has an expired license and therefore they are attempting to collect without a valid license to do so in the state of Michigan. TBL claims to be hired by, and collecting on behalf of XXXX University ( XXXX ) in which XXXX is also responsible for TBLs collection practices. TBL claims to have received a promissory note from XXXX, alleging to be an agreement to a Federal Perkins Loan. I do not recall ever applying for, accepting or signing anything related to a Perkins Loan. This alleged loan was taken out in XXXX and I have never received any information regarding this account until a debt collection agency contacted me in XXXX. The promissory note had inaccurate information typed into the spaces ( such as current address, references, employment, etc ) alleging it to be my response and personal information. The promissory note then appears to have a hand written alleged signature on the document. These companies are attempting to collect twice the amount of an alleged debt that is not mine, it appears they have falsified documents and refuse to provide proper validation. I have also received attempts to collect this same alleged debt from other companies however, when asked for validation the debt is quickly sold or transferred to a new agency for collections. I have attempted to contact the alleged lender for this debt and the company no longer exists. Even through means of litigation, TBL is not being cooperative in trying to resolve this matter, they do not want to be held liable for their actions and they are not following the rules and regulations regarding collection practices or consumer rights.
Consumer complaint received 2020-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am having problems with everything that says customer disputes, I had my Identity stolen and the items on my report are saying customer disputed And its basically saying theyre my accounts and theyre wrong .... Ive had sent a copy of my Police report to the companies and to the 3 credit Bureaus. Im still getting no Help. My wallet was stolen and when I sent to replace my license it actually had another persons picture on it. they changed my height from XXXX to XXXX as well : ( I had sent all my information to each credit Bureaus, I did see a small change in my report on Trans Union, But XXXX  only removed an address that Ive never lived before. I need Help Badly! Im at my wits end : ( Please Help! ) Thank you
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XX/XX/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 2021-03-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I have leased a Nissan XXXX vehicle acct # XXXX with Nissan and automatic payments being withdrawn from my account for 3 years. I have been down with covid only to awake and find my credit score took a hit from Nissan because my lease was apparently up in XXXX. and they stopped withdrawing payments from my bank account on there own without any phone calls to me or receiving and documents informing me as to lease ending. I did not stop paying them, they stopped withdrawing 's of auto payments on there own, and as in many leases with Nissan in the past 15 years with other leases they continued taking payments and extending lease for few months never with any issue. i want my credit standing to be resolved as it was there issue stopping in pulling payments and not mine, when i asked why there was never any phone calls they responded with they don't have time.
Consumer complaint received 2020-04-04
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. (GA)

I have no knowledge of several accounts on my credit reports I've requested validation with no avail they are in violation of the fcra 609 and 611 af this point please assist me with this issue