davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-01
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. (MO)

Greetings CFPB Team, I am requesting your assistance in resolving a Transunion account reporting, record verification and resolution notification concern. 

On XX/XX/XXXX, Transunion received by certified mail a Dispute and Removal request regarding a collection account from XXXX XXXX, XXXX for {$4900.00}. A request for Validation by XXXX XXXX, XXXX ; was sent by certified mail. The company never responded to the XX/XX/XXXX validation letter. Approximately 30-days later Transunion responded stating the account verified and no changes were required. 

On XX/XX/XXXX, Transunion received by certified mail a Method of Verification request advising XXXX XXXX, XXXX had not been able to validate the alleged debt per the Fair Debt Collection Practices Act. Therefore, the agency and bureau by law can not report a non-validated account. It was then requested of Transunion per the FCRA regulations they had 15-days from receipt to provide their full Method of Verification. 

On XX/XX/XXXX, I spoke with a Transunion associate by the name of XXXX that stated they had an open dispute and could not release any information regarding my file. He then advised the dispute would be resolved by XX/XX/XXXX. The associate was educated that my certified letter was not a dispute but was a Method of Verification.  Additionally, I cited that processing guidelines allowed 15-days from date of receipt to supply the documentation and information requested per the FCRA guidelines. 

The associate then advised, they did not have any documentation or information regarding what the collection agency supplied. He also stated they do not control what the collection agency/creditor sends to verify the account. 

As of today, XX/XX/XXXX, which is 8-days past the FCRA, stated guidelines and Transunion, has not provided a written response to the request. I have subscribed to the Transunion platform in order to monitor my credit file and as of today, the dispute Transunion opened has closed without a written notice. In addition, the XXXX XXXX, XXXX account continues to report despite their inability to validate the account as requested. 

At this time, I am requesting CFPB to hold Transunion accountable for the blatant disregard of fair and accurate reporting. They also have practiced gross negligence in opening a dispute in lieu of providing their original Method of Verification. 

Without the collection agency validating the reported information and Transunion not providing their Method of Verification, XXXX XXXX, XXXX must delete the alleged debt. I hope that this will resolve the issue to avoid utilizing the services of judicial system. 

Thank you very much for your assistance and understanding. 

Best Regards,
Consumer complaint received 2019-01-29
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: JPMORGAN CHASE & CO. (NC)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by Chase credit card company. I called the Chase credit card company and chase did not comply with my actions.

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

The inquiries on my credit experian report : XX/XX/2018, XX/XX/2018, XX/XX/2018
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (CA)

VW credit changed the amount owed on a charge off on my credit report. I filed a dispute for incorrect information and they just changed the balance and put it in my credit report. I traded in my car and it shows that the car was repo and I have had this on my credit. It is inaccurate.
Consumer complaint received 2023-06-27
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. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-04
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (ID)

We applied to refinance our XXXX lien loan under HARP. We also have a XXXX lien loan that is serviced by Green Tree Servicing, which needs to be subordinated. The subordination required a prepaid processing fee that was paid in advance and not disclosed on the GFE. 

The problem is the utter lack of customer service in processing the request and not with the nondisclosure. Green Tree requires communication between my mortgage company and them to occur via fax. This has proved extremely challenging in meeting green Tree 's requiring an AVM in lieu of an appraisal. [ It should be noted that XXXX is not requiring a formal evaluation in their approval. Thus, when Green Tree stated they needed an appraisal or AVM, we elected an AVM since no cost ]. 

The AVMs provided to Green Tree, as of XXXX XXXX, 2015, have not met their standards. As a result, our interest rate locks can no longer be extended without substantial costs incurred by us or accept current, market interest rates. Due to an increase in rates since application, this will result in additional interest expense over the life of the loan as well as a higher monthly payment obligation. 

We, including our loan officer, have never experienced such a lack of customer service. This experience reminds me of the foreclosure debacle, which Green Tree was investigated for. Unfortunately, lessons learned were not relaized by Green Tree subordination. We as customers can not talk with this team directly. Repeated calls to their customer service team have resulted in apologies and calls that are transferred to incorrect resources. 

We are above average consumers ; college graduates and former XXXX. We are willing to overlook human errors but this appears to systemic rather than an isolated instance. The undo additional requirement of requiring an appraisal or AVM has resulted in an application that will now result in additional costs that we could not have reasonably avoided. 

We appreciate you looking into this matter so no other consumer experiences what we have. We will incur additional costs as a result of this issue.
Consumer complaint received 2022-05-20
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. (TN)

XXXX, Experian, XXXX and XXXX continues to report in accurate information on my credit report and refuses to correct the problems and conduct a proper investigation. Please review the screen shots from my most current Experian report ( not a third party ) That shows my account status is Closed. I have also included the email thread from XXXX XXXX Who is a XXXX XXXX manager in the XXXX XXXX department XXXX Who refuses to fix the problem despite the screen shots that clearly show the account status closed. They are reporting the account in XXXX and XXXX as being late when they should be reporting current and they are reporting the accounts 90 days past due when the account was suppose to be in approved forbearance. This company and the credit reporting agency have failed to do proper investigation and correct the my reports, despite my disputes. Even the president of the company was emailed about the problems and totally ignored my emails. Problems with this company have been reported to the state attorney generals office, CFPB and XXXX  and no one will listen or fix the problem.
Consumer complaint received 2021-11-15
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: EQUIFAX, INC. (NJ)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-11-22
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. (NC)

XXXX  has the aged multiple accounts on my credit report I've asked them to correct them and they still have not to this day off ofXX/XX/XXXX this has been going on since XX/XX/XXXX I've sent them letters certified and still have not corrected it count has been closed since XX/XX/XXXXand now they are real and putting charge-offs and late payments on XX/XX/XXXXI was also part of the Equifax breach and they still have not corrected information on my credit report they just say verified no documentation whatsoever report number for XXXX XXXX XXXX  free age XX/XX/XXXX it's been closed since XXXX
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Park Hill Holdings (PA)

In accordance with the Fair Credit Reporting act. The List of cases below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Record 1 of 2 Case Number : XXXX Case Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX I dont believe the status of this account is accurate. This delinquency on my credit report should not be there. I demand proof that they went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report. 

Record 2 of 2 Case Number : XXXX Case Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont believe the status of this account is accurate. This delinquency on my credit report should not be there. I demand proof that they went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report.

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 2021-11-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (FL)

Hello. 
My XXXX year old mother died this XXXX past. 
XXXX of XXXX, who cared for her in her final years, forwards her mail to me. 
Along have come statements for two distinct XXXX XXXX XXXX XXXX accounts, one with a balance of $ XXXX and the other, $ XXXX. 
I mailed a letter, a notarized death certificate, a copy of my birth certificate, a statement copy, and a copy of a check my Mom made out to me. 
In return I received a letter acknowledging these contents and saying the XXXX XXXX manager had ownership of the process. 
But after a month I had heard nothing, and the phone number provided is never answered, with no voicemail option. 
So I wrote TCF again and received a completely non-sequitur letter in response. 
At this point I suspect TCF is delaying the process till the accounts can be declared abandoned, and the funds absorbed by the bank.

I have no idea who my Mom may have named as POD and I have no issue with whomever it is. 
But new statements show that TCF is still charging the account fees, even though they have acknowledged my Mom 's death in writing. 
And so TCF can not be trusted. 
I am hoping there is a CFPB process that will require TCF Bank to show they have exerted due diligence in getting the money where it belongs. 
Thanks.
Consumer complaint received 2024-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (MI)

XX/XX/XXXX around XXXX XXXX, I got a call from the XXXX XXXX XXXX. They used my name and said they are attempting to collect a debt for lab work done. I explained that I haven't even received a bill yet as I just got the lab work done last week. the lady advised that this was for XXXX labs done in XXXX and XXXX in XXXX. I stated I never had any lab work done in those years. she stated XXXX was for some person born in XXXX with a completely different first and last name and I said I have no idea who that person is. I asked what address they have for the other XXXX that they are sending the bills to, she provided a TX address, I advised that is in the wrong state, i've never lived in TX. she advised she will remove me from it. 

I think this is scam b/c I did just recently get labs done and they used this as a scare tactic to make me try to pay over {$170.00}. Had I not asked the right questions I could have paid something that wasn't owed to the wrong company.
Consumer complaint received 2022-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MN)

Complaint Against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX bought a debt of mine from XXXX XXXX XXXX XXXX XXXX XXXX 
I received notification that the balance was {$2400.00}, but XXXX XXXX never would confirm amount of original debt. 

Prior to XXXX, I made payments against the debt totaling {$1100.00}. 
( XXXX payments of {$250.00} and XXXX payment of {$400.00} ) - I was unable to make payments during the height of COVID. 

XXXX XXXX moved to garnish my wages in XXXX and in XXXX, XXXX received a garnishment payment in the amount of {$1200.00}. At this time, XXXX XXXX reported to my employer that the account was paid in full. 
( Payments, including garnishment equaled {$2400.00} against an original debt of {$2400.00} ) Today ( XX/XX/XXXX ) 2 months after reporting the account as paid in full to my employer, XXXX XXXX garnished an additional {$860.00} from my wages, under the same case number for Jefferson Capital XXXX XXXX XXXX  and is again reporting the original / full balance as due. 

To date I have paid XXXX XXXX {$3200.00} on what was reported as an original balance of {$2400.00} ( even though I assume the actual debt amount was much lower before being purchased by XXXX XXXX ). 

After speaking with XXXX XXXX XXXX XXXX XXXX, they will only agree to report my account as disputed. I feel I am owed the {$860.00} that was taken today, XX/XX/XXXX and I need an assurance that they can not just report this account as unpaid every few months, leading to my wages being garnished.
Consumer complaint received 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NE)

I was online and paid my normal payment for XXXX of {$1000.00}. Then the account showed my XXXX payment of {$1200.00}. I was shocked to see the increase because I was not made aware of a escrow analysis. I signed up for electronic statements early on because this company was charging a extra {$5.00} if I wasnt paperless. I searched my email for all items from PennyMac and never received any correspondence stating I had a new statement available or a new document available. I have several months of emails stating my payment was received. The customer service rep said that I should login and check my statements every month. Why do I need do something like this when I dont even know when the statement closes? Every other paperless company I deal with sends me notices to my email when statements are available or new documents. This lack of communication did not allow me time to get funds together for the escrow shortage. Now I am being blindsided with a extra {$200.00} payment that I didnt have time to plan for. I logged in the app to try to view the statement and also on the mobile website on my XXXX and couldnt even view the escrow analysis or any statements. The rep tells me I need to use a certain browser or login to a desktop. This is crazy consider most people conduct business from their cell phones these days. It felt like the rep was blaming me and providing me a bunch of ridiculous options. I did not choose this loan servicer. I did a refinance and found out after the fact that my loan was sold to XXXX aka PennyMac. I wonder how many other people had this issue and was told the lack of communication from PennyMac is our fault. Also since they were my new loan servicer, they never communicated in writing in advance about the {$5.00} charge for paper statements. I found that out on the app when trying to make a payment. These are deceptive practices and can be crippling to peoples finances especially during Covid when many people are already struggling.
Consumer complaint received 2022-05-20
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX SSN : XXXX Date : XX/XX/2022 To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Address : XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. 

Please update to : XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX Sincerely, XXXX XXXX
Consumer complaint received 2019-11-22
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. (NC)

XXXX  has the aged multiple accounts on my credit report I've asked them to correct them and they still have not to this day off of XX/XX/2019 this has been going on since XX/XX/2019 I've sent them letters certified and still have not corrected it count has been closed since XXXX and now they are real and putting charge-offs and late payments on XXXX I was also part of the XXXX  breach and they still have not corrected information on my credit report they just say verified no documentation whatsoever report number for XXXX  XXXX XXXX   free age XXXX it's been closed since XXXX
Consumer complaint received 2024-03-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

To Whom It May Concern, I am writing to file a complaint regarding the inadequate billing information and limited payment options provided by XXXX XXXX XXXX. Despite repeated requests, essential details such as " bill due '' and " amount due '' are absent from the banking dashboard, leaving me uninformed about my financial obligations. 

Furthermore, upon relocating from XXXX to the XXXX XXXX, I found no online payment options available, leading to a missed payment and subsequent negative impact on my credit score. This lack of transparency and flexibility is unacceptable. 

I urge you to address these issues promptly to prevent similar inconveniences for other customers in the future. 

Sincerely, [ Your Name ]
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX SSN : XXXX Date : XX/XX/2022 To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. 

Please update to : XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX Sincerely, XXXX XXXX