davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-28
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. (OH)

In XXXX of XXXX, I returned my Car Lease to XXXX XXXX XXXX. I have never missed a lease payment. I just reviewed my credit report and XXXX XXXX XXXX is reporting a Late Payment on XX/XX/XXXX. I have not owned the car since XX/XX/XXXX. The inaccurate Late Payment on my report is severely hindering my credit scores and ability to buy a home.
Consumer complaint received 2020-03-16
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)

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.
Consumer complaint received 2024-01-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX is a fraudulent account reporting collections to my credit report for the amount of {$500.00} reported on XX/XX/23. This is due to identy theft. I have never signed a wet contractual contract or open an account with this company.
Consumer complaint received 2020-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber (CA)

Hi, I'm being harassed by a debt collection agency, Grant and Weber, for a debt that I have paid. I owed a balance of {$500.00} to the XXXX XXXX XXXX, for which I paid in full on XX/XX/XXXX. However, I received a letter dated XX/XX/XXXX saying that I still have an overdue balance to Grant and Weber of {$500.00} including an interest of {$140.00}. I have spoken to staff at the XXXX XXXX XXXX, who confirmed that I don't have a balance. The staff at the lab have also tried to call Grant and Weber to clear my account, to no avail. 

Please tell Grant and Weber to stop harassing me. 

Thank you.
Consumer complaint received 2020-03-16
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. (CA)

I've reached out to Equifax regarding fraudulent requests for my credit report. Ive disputed this with Equifax with my FTC Fraud Affidavit on XXXX and XX/XX/2020 and it has fail on deaf ears. I received a letter from Equifax refusal to remove the fraudulent inquiries on XX/XX/2020. 

Equifax has constantly misused its power and treat victims on ID Theft unfairly. I was part of the Equifax 's data breach and have been vastly affected by its negligence. The following fraudulent inquiries are still reporting : 1. XXXX  XXXX XX/XX/2020 2. XXXX  XXXX XXXX XX/XX/2020 & XX/XX/2020 3. XXXX XXXX XXXX XXXX ( XX/XX/2020 4.XXXX  XXXX ( XX/XX/2020 & XX/XX/2020 ) 5. XXXX XXXX  ( XX/XX/2020 ) 6. XXXX XXXX ( XX/XX/2020 )
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (IN)

Equifax has been unable to provide my credit report to its subsidiary, Equifax Mortage Solutions.  This has made it impossible to refinance my mortgage. According to the subdsidiary, Equifax Mortgages Solutions, this is because Equifax has my credit listed in two separate accounts, as if I were two separate people. Both accounts have inaccuracies in my demographics. In a comedy of errors, one has my birth-date off by a single day, one has my maiden name instead of my legal name, and one has my wrong address. However, Equifax Mortgage Solutions is unable to address this issue with Equifax directly. It's truly a comedy of errors. 

My mortgage officer has made multiple " hard pulls '' against my credit and my husband 's credit, each time after Equifax told us they had fixed the issue. Based on the issues we've had, I now suspect Equifax is addressing our complaints with an automated system that is unable to solve it. Which is why I have to reach out to the CFPB. No other credit bureau has had this problem. 

Our summarized contact history : XX/XX/XXXX around XXXX : phone-call and fax XX/XX/XXXX : Fax XX/XX/XXXX : 3 phone-calls around XXXX XX/XX/XXXX : 3 phone-calls around XXXX XX/XX/XXXX : Original phone-call and fax
Consumer complaint received 2022-12-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company (WA)

DHI Mortgage : Failure to represent 2-1 Buy Down promotion in all loan estimates -- A 2-1 buydown promotion was not reflected in any of the loan estimates provided to the buyer, despite knowledge by seller and lender from day 1 that the buydown would be an incentive for this sale.

-- As a result, all provided loan estimates ( 2 ) were misleading, and prevented the buyer from making accurate judgements on affordability and accurate comparisons to other lenders based on DHI Mortgages provided information.

-- The monetary consequence of this exclusion is that the initial Closing Disclosure stated that the cost to close was {$1900.00} higher than what was provided in the most recent loan estimate a +13.75 % increase. 

-- The lender provided a loan estimate on XX/XX/XXXX, and a 2-1 buydown subsidy payment schedule on XX/XX/XXXX. When the second loan estimate was provided on XX/XX/XXXX, the lender clearly had full knowledge of the 2-1 buydown promotional yet did not include this promotional as a variable in the loan estimate. 

-- The lender claims it could not include the 2-1 buydown in the estimation without the buydown addendum. A competent lender would have requested such an addendum from the seller in a timely manner, along with all other documents required, to accurately portray the true cost of sale to the buyer. Therefore, the buyer believes its exclusion was a conscious decision intended to mislead the buyer and make the loan offer more appealing than it truly was. 

-- It must be noted that the lender ( DHI Mortgage ) and seller agent ( DHI XXXX XXXX XXXX  XXXX XXXX ) are subsidiaries of one company, XXXX. XXXX. DHI XXXX provides buyers with seller incentives for financing their loan with DHI Mortgage. The buyer contends it would be well within the lender 's power to request these documents from the seller given they operate under a single parent company. 

-- The acquisition of the 2-1 buy down addendum was a quick process, once initiated. The sellers agent requested the buyer sign the addendum, had the buyer sign the addendum, and had the lender provide the CD on the same day, XX/XX/XXXX, exactly 15 days after the Uniform Residential Loan Application was submitted on XXXXXXXX ( which marks the buyers credit with a hard inquiry ). 

-- Its an incredible coincidence that, while the buyer has exactly 14 days to compare rates with other lenders without impacting their credit score, the Closing Disclosure with the 13.75 % higher cost to close was generated on day 15. 

-- In other words, DHI Mortgage intentionally chose to forgo requesting critical addendums from the seller that they knew would be part of the final sale in order to intentionally misrepresent the terms of the sale to the buyer, until such time, that if the buyer were to seek competitive offers, it would adversely affect the buyers credit rating and risk the pending sale.
Consumer complaint received 2020-04-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I had approached XXXX XXXX, Home Mortgage Consultant NMLS # XXXX of WELLS FARGO BANK , NATIONAL ASSOCIATION. He claims that he and the bank is not suppose to let the client know about the bank guidelines. They are not suppose to discourage the client from applying an application for mortgage. Why would not tell the customer about the guideline so he or she is aware and make a decision and make is move accordingly. why they want run some ones credit for fun. 
i believe this a wrong practice by the bank for not providing correct information to customers. This lead to denial of my application and wasted my time and i could not explore my other options. i am facing hardship due to this and look for a resolution from the bank. Such consultant licence should be revoked
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Information was removed from Credit reports XXXX, Transunion and XXXX due to Fraud and from there XXXX transferred the debt to another collection agency and also changed the initial date they stated that the account was actually opened defraud the XXXX XXXX XXXX as well as the XXXX XXXX.
Consumer complaint received 2020-03-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

On XXXX XX/XX/2020, I paid in full the loan to Cash Central in the amount of {$2500.00}, which has been confirmed by email. Starting this month, I am receiving 2x daily calls about " setting up a payment plan ''. My relationship with this business has been difficult from the beginning ; and, I should have ended it the first time they doubled billed me.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Based on credit reports from all the agencies, I have a credit account from XXXX, which keeps appearing on my credit reports and has negative impact on my credit. But I have never opened a credit account with XXXX and had no idea about that account. I tried to dispute with TransUnion, but nothing really changed ( except now that the status of the account is open ), I am not sure what else I need to do to correct this information.
Consumer complaint received 2020-03-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This company has failed to show proof of verified information of proof for this account. The amount owed on the account is {$2300.00}. Three has been no proof what so ever of this account being verified on all three of my credit bureaus XXXX, XXXX and XXXX. I've attempted to ask for knowledgable accurate information but the company has not supplied it at all.
Consumer complaint received 2020-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Back in XX/XX/2016, I purchased a TRAILER online, for XXXX dollars, through my bank, Capital One, from XXXX  ( I've logged a complaint against XXXX  with the FTC ), XXXX shipped me a rubber band, and I disputed the charges. Capital did no research, a simple check of what was ordered then a check of the shipment 's weight would have confirmed XXXX never shipped me what I ordered, they did nothing, and ruled against me in the dispute. I want criminal charges filed against them and XXXX.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (NC)

I have a personal loan with Comenity Capital Bank through a credit card for XXXX  XXXX through XXXX XXXX XXXX XXXX  that was issued XX/XX/XXXX. 

I have a derogatory mark on my credit reports due to a " late payment '', however, I attempted to make this payment a couple of times and was not notified of the returned payments or that an XXXX is not an account that a payment can be made from. 

The first time was on XX/XX/XXXX for {$470.00} and the payment was confirmed to have been processed on the Bank 's website. However, also on XX/XX/XXXX, it was returned " returned payment '', but I was not made aware of the returned payment when it was returned. Again on XX/XX/XXXX, this occurred again - a payment posted of {$950.00} to their website and then a returned payment also posted, however I was not made aware of the returned payment when it occurred. I called on XX/XX/XXXX and made another attempt of {$950.00}. I was told that it may have been the account number / routing number I attempted to use, so I used a different one after contacting my XXXX  bank. 

I had also called prior and setup the payment with a XXXX XXXX Account ( XXXX )- which is a Banking Account. Their website stated that it needed to be a Bank Account. I confirmed again with the person on the phone that it was an XXXX- so they were aware and did not indicate that an XXXX did not qualify as an account they could pull payments from. In fact, the first time I've been notified of this is in their reply to my credit dispute indicating the below : " After a quick review, I see that your payment was returned due to XXXX Account - that is loan account. Hence your account fell XXXX billing past due on XXXX consideration of your request for a goodwill adjustment, we will review our records to check if we are able to make any adjustments to your payment history as requested. Upon completion of our research, we will notify you of our findings. We appreciate your patience while we are conducting our review. 
If you have any questions, please click the reply button. 
Sent : XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX  ) To : You Subject : Re : Credit Bureau XXXX XXXX ID : XXXX '' It is now more than XXXX  days later ( XX/XX/XXXX ), and I have not received further correspondence from them and I still have a late mark on my credit report.
Consumer complaint received 2020-03-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

Dear Sir/Madam Good morning The CHASE refused to waive my Equity Line monthly payment due Coronavirus as President Trump determined. 
They are not cooperating. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Consumer complaint received 2020-03-29
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. (AR)

I TOOK OUT STUDENT LOAN IN XXXX, MY 1ST DELINQUENCY WAS XX/XX/XXXX, THUS THE STATUES OF LIMITATION HAD EXPIRED ON XX/XX/XXXX, SEE OLD XXXX  AND XXXX  PROVING SUCH. EXPERIAN AND XXXX  KEEPS IGNORING THE LAW. THAY ARE BREAKING THE SOL AND THE DODD FRANK WALL STREET REFORM.
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2020 I received an email from Bluebird that my account had been permanently suspended. I use this account to receive my pension and for helping my adult children make ends meet. I am a senior citizen, single and depend on this money to pay my bills each month. I have done nothing out of the ordinary and dont understand why this has happened. I reached out to customer reps and had to wait 3 hours each time, after which I received no resolution. The reps could not tell me anything I did not already know which was next to nothing. I am certain my direct deposit came in last night and I want a refund check given to me as soon as possible. I was told to write their escalation team a letter. This is the only means they are providing for me to get help! I dont have any alternative but to wait for the response to my letter which went out today XX/XX/2020. For this financial institution to do this sort of thing during these stressful and trying times is just immoral. Please help me.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My recent credit score is decreased by XXXX points, when I accessed my credit history. I can see accounts that was paid off and closed still show as delinquent. Also, the account of XXXX never been delinquent and was voluntary closed by me. 
I had been working had to get my score back to the right direction However the credit Bureaus don't want to clear my old accounts which they are impacting my credit negatively.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX account # XXXX ( TransUnion ) / XXXX XXXX # XXXX ( XXXX ) was opened fraudulently by a former member of my household without my consent and was concealed from me until they were no longer a member of my household. In an effort to resolve the matter as quickly as possible without involving law enforcement I made an agreement with XXXX XXXX / XXXX XXXX XXXX to pay the amount of {$1300.00} in to settle the account in full in exchange for non-reporting of the account on my future credit reports. XXXX XXXX XXXX accepted my payment and as their representative 's letter states ( see attached ) " the account listed above has a balance of XXXX '' and " that this matter is satisfied ''. Please remove the aforementioned account from my credit reports immediately
Consumer complaint received 2020-03-16
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. (AR)

I've recently been in constant contact with Equifax consumer reporting agency over the past several months regarding fraudulent accounts being reported on my credit file due to identity theft. I have included several disputes as well as a FTC Identity theft report. Equifax has for the most adhered to the Fair Credit Reporting Act in regards to sections 605b, 609, and 611 except for the fraudulently account listed as Attorney General XXXX which is not only fraudulent but list two different accounts with inaccurate balances as well inaccurate addresses. I have disputed this account on more than one occasion and have yet to received any documentation from Equifax obligating me to this fraudulent account. It has been well beyond 30 days for this investigation and yet this account ( s ) sill remains on my credit file.
Consumer complaint received 2020-03-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (GA)

I payed two mortgage payments in XX/XX/2019. The mortgage company withheld my payments for two months refused to apply them to my mortgage for two months. I payed the current month in XXXX and made sure they released the previous payments to go towards my mortgage. I was told to pay a lessors amount for XXXX payment because I was told their was an overage. I payed the lessor amount. I sent in XXXX payment but the mortgage company sent it back. When I called the mortgage company I was told that they never received XXXX, XXXX, or XXXX payment. I tried again to pay XXXX and XXXX payment but they refused to accept payment. I requested assistance for help. I was told they would send me out a packet. I submitted the packet for assistance. I never received a response back. After reaching out to Loancare about assistance and inquiring about the paperwork I submitted, I was lied to and misinformed about someone working on my file. No one was working on my file. It never happened. I called several more times and was told they needed to submit a hardship letter and pay stubs. I submitted this as well but still no response. Finally I reached out again last week and was told they could not help me because my last modification was less than 24 months ago. Again I tried to make the payments and was told that I had to make four payments. I called back today and was told the same thing basically. I was told that they were aware that I made my XXXX payment but it was put towards escrow not my XXXX payment. Which meant I owed for XXXX, XXXX, XXXX and now XXXX. They refused to take anything less and stated they could not help me. I informed them that I had partial payment but could not pay all four months due to the cut back in hours at work from the Pandemic. No further assistance was offered just that he will make a note of our conversation.
Consumer complaint received 2020-03-16
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: Shellpoint Partners, LLC (CA)

The mortgage company is NewRez, and their major company is Shellpoint Mortgage Service, LLC. They have reported me to all three credit bureaus as being " 30 Days Past Due '' without merit. The dates in question are : XX/XX/XXXX, XXXX  ; XXXX XXXX, XXXX  ; XXXX XXXX, XXXX. 
I filed a complaint with your office in XXXX, # XXXX to no avail. This company has initiated the same illegal conduct as I complained in XXXX. I have prepared a written statement listing all actions this company has conducted against me and I would like to submit it as proof. Your process does not permit me to upload this statement. Please provide me an avenue where I can upload this document or send me an email where I am able to submit it. 
Thank you for your assistance in this matter.