davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed, however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I want you to correct this misinformation on my file XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
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. (OR)

There is information that on my consumer report is result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block and delete such information made on the basis of a material misrepresentation of fact by me relevant to the request to the identified transaction. The identified transaction are not information related to any transaction by me as a consumer. 
XXXX. Account name : XXXX XXXX Account number # XXXX XXXX. Account name : XXXX. Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX  Account number # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number : # XXXX XXXX, Account name : XXXX XXXX XXXX. Account number # XXXX XXXX. Account name : XXXX XXXX. Account number # XXXX XXXX XXXX XXXX XXXX XXXX Account number # XXXX as well as the following inquires a. XXXX XXXX XXXX 15 U.S. Code 1681c-2 Block of information resulting from identity theft I demand this information to be block and removed from my consumer report with in 4 days from the date of receipt of this notice. 

FEDERAL TRADE COMMISSION Identity theft report # XXXX
Consumer complaint received 2020-03-30
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts as soon as possible. 

DPT ED/XXXX  XXXX {$160.00} DPT ED/XXXX XXXX {$1400.00} DPT ED/XXXX  XXXX {$2900.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$2000.00} XXXX XXXX  XXXX {$4600.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$530.00} XXXX XXXX XXXX {$82.00} XXXX  XXXX  XXXX  XXXX {$100.00} XXXX XXXX   XXXX {$270.00}
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Under the CARES Act, I was granted Mortgage Payment Forbearance through XX/XX/XXXX with Wells Fargo Home Mortgage. 

Following the end of the forbearance period, I was given a Mortgage Modification Agreement to distribute the payments not made during the forbearance period over the remaining life of the mortgage. Because I received the Agreement while I was in the XXXX XXXX, I called Wells Fargo on XX/XX/XXXX, and told them that I would be unable to notarize the documents before their given deadline due to the US Embassies being closed for Covid. Awaiting my husband 's work relocation package, I told them we were not planning to be back in the US until XXXX or XXXX of XXXX. They agreed to extend the deadline until I could return to the US, and I could continue to make my monthly payments by phone in the modified amount, which I did. At this time I also notified them that because I did not have access to my US phone number during this time, they would need to contact me via email, which they agreed to do. 

On XX/XX/XXXX, I received a Wells Fargo email introducing me to my Home Preservation Specialist. Thinking this was strange, I called them to make my monthly payment and was told the amount due was the full amount in forbearance. I explained the previous conversations, to which they commented the notes from the calls were incomplete. They mentioned having tried to call, but I reminded them that I could not receive calls in the XXXX, which they did see in the notes. Wells Fargo recommended I contact my Home Preservation Specialist, who I emailed but never heard from. Wells Fargo then told me I had to re-apply for a new Modification Agreement because the previous one had expired ( despite their promise to extend it ). 

Following the new application process completion on XX/XX/XXXX, I was given a notice that the Modification request was denied on XX/XX/XXXX. I called Wells Fargo again that day, again re-explaining the previous issues, to which a very confrontational employee explained they'd already extended the modification agreement " a long time '' and had tried to call me while I was in the XXXX ( even though I'd told them, and they'd acknowledged, that I would be unreachable by phone while in the XXXX ). He explained that my only option was to pay the forbearance amount in full or lose my home, but when I asked him to state this directly he refused to because the call was being recorded. I requested they review and share the recordings from all the calls since the original calls and they said they would, but still have not. I also have yet to ever interact directly with my assigned Home Preservation Specialist. 

Today, XX/XX/XXXX, I received a notice of default on my mortgage and have been notified that my home will be put into foreclosure on XX/XX/XXXX. 

Had I been given the ultimatum in the original conversation, I would have booked a plane ticket in the height of the second Covid peak to return to the US just to go to a notary, and would not now be at risk of losing my home.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citibank closed my credit card account without any warning. I called them and asked to re-open. They stated that it would require a hard credit pull just for them to evaluate if they will re-open my account. I asked them for an alternative way which would not burden my credit history with a hard credit pull, and they claimed they do not have any alternative processes. They asked me to either agree to the hard credit pull or apply for another card ( requiring a hard credit pull ).
Consumer complaint received 2020-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

I have been battling Fay Servicing for quite sometime. I have sent it payments for 12 months and I have proof and I am not late. 

Initially, this loan was with XXXX XXXX XXXX and they transferred/sold whatever the loan to Fay Servicing. 

XXXX XXXX XXXX increased my mortgage payment from around {$4600.00} to $ XXXX/month which was astronomical. I requested several times for an escrow analysis and they never responded. As a XXXX  XXXX   XXXX, I calculated the monthly escrow payment ( taxes and insurance ) and it was completely off. The $ XXXX/month was correct. 

Then one day I found out my loan was transferred to Fay Servicing and every single person I speak to over there just doesn't understand this case. 

Anyways, the entire length of my mortgage I have been paying $ XXXX/month with a $ XXXX/month excess towards principal or in suspense for increased taxes. I refused to pay the extra $ XXXX/month and instead continued to pay the {$5000.00} because I knew that the escrow analysis was wrong. When Fay Serving did the escrow analysis ; they found that I was right and that I should not be payment $ XXXX/month, but rather even less at around $ XXXX/ month now. I have proof that I have made all my mortgage payments see attached and let me know if I need to get something notarized or whatever from the bank. I have not completed my XXXX mortgage payment because I wasn't sure if I needed to hold back that money to hire an attorney in which case I will be filing a counter claim for fraud and deceptive practices for starters. I think that a forensic accountant or someone needs to explain to us what is actually going on because this is not right ; we have made the payments and have been treated like scumbags that don't pay their mortgage, which clearly is not the case. 

Furthermore, I have correspondence between myself and XXXX ; however, he never responds to my emails. I hope that I have explained this adequately. If not, please write me back ; I'd like to keep everything in writing from this point on.
Consumer complaint received 2021-03-16
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I have already tried to submit tickets to the Lakeview, ticket # XXXX. I was simply asking for a letter stating that they made an error so I can get the issue resolved with the credit bureaus. The Loss Mitigation representative laughed at me and said that they would never admit that they made a mistake and I was wasting my time. He said that they did this to thousands of customers and they explain it the same to everyone. He then disconnected the call. 

On XX/XX/XXXX my mortgage servicer Lakeview approved a forbearance. Due to coronavirus restrictions my wife was no longer able to work. My account was past due for XXXX at the time we entered forbearance. Lakeview sent several correspondence saying that a forbearance would not negatively impact our credit. I understood that XXXX would be considered past due until I paid that balance. I made payments throughout my forbearance to avoid any modification at the end. 
During the forbearance they marked 5 out of 6 months as 30 days past due : XXXX, XXXX, XXXX, XXXX, and XXXX. They also marked XXXX as past due despite bringing our account current in XXXX and ending the forbearance. Below is a timeline of my forbearance : XX/XX/2020 : Forbearance approved XX/XX/2020 : Payment for XXXX balance XX/XX/2020 : Payment for XXXX balance XX/XX/2020 : Payment for XXXX balance XX/XX/2020 : Payment for XXXX balance XX/XX/2020 : Payment for XXXX, XXXX, and XXXX XX/XX/2020 : I requested to end my forbearance I'm in escrow on another property and they refuse to supply a letter admitting they made a credit reporting error. It doesn't look like I was in forbearance, it looks like a missed a bunch of payments. This just seems so predatory and wrong
Consumer complaint received 2020-03-30
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: DISCOVER BANK (CA)

On XX/XX/2020 I sent written communication to DISCOVER dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account number XXXXXXXX. On XX/XX/20202020 I sent written communication to DISCOVER dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national credit reporting agencies on account number XXXXXXXX. These requests were made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. I received written communication from DISCOVER. They did NOT meet the requirements of FCRA 623/FACTA 312. Instead, they sent me statements dated XX/XX/2020 ( from my dispute with XXXX about verification of account per FCRA ) and XX/XX/2020. These statements were preceded by letters dated XX/XX/2020 and XX/XX/2020 ( I am attaching them to this complaint ). I made a request for them to substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing DISCOVER communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires DISCOVER to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. DISCOVER provided none of the above. DISCOVER continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. DISCOVER has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. Furthermore, I received written communication from DISCOVER that they will not change the UNVERIFIED, INACCURATE, and IMCOMPLETE information they are reporting to the national credit reporting agencies ( XXXX, XXXX, XXXX, and XXXX ). They are continuing to violate FCRA and conduct illegal practices. The above illegalities were committed via USPS mail.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2020-03-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

The lender takes my application for a mortgage .... allows me to lock a rate and offers a free extension on the rate lock to ensure my business and then because I want to change from the 30 yr to 15 yr term - they tell me I have to take worse case rate. Or if I want to change the dollar amount of the loan application, I have to take worse case rate ... .. they are saying that I am not guaranteed the rate from the date that I locked .... I am forced to take the current rate .... so on XXXX I would have gotten a {$760.00} credit for that rate - today I have to pay over {$10000.00} for that rate ... .. 

What is this? I locked - why is this considered a change in application? 

Lender -PennyMac
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

When I moved out of XXXX XXXX  in XXXX of 2019 they sent me a bill after the fact for {$110.00}. I immediately contacted them and requested an itemized invoice and proof of the debt since I had cleaned the apartment and I took pictures of everything. I never received anything from them to prove the validity of the debt. 
They then sent it to Genesis Debt Management who contacted me on multiple occasions and I forwarded them the email contacts I had with the originator and requested that they send me an itemized invoice. Again I never received anything. 
They did not respond and then about every six months it seems like someone new sends a letter from Genesis. 
I send them the same information and request each time for them to provide proof of the debt which I still have not received to date. 
Now they have put this on my credit report and I am at my wits end with it. 
I have filed a report with the better business bureau also and will be contacting a lawyer to see what my rights are should I need to file suite against them. 
Your help in getting this resolved immediately is very much appreciated.
Consumer complaint received 2021-03-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

In XXXX and XXXX of 2021,, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX and XXXX XXXX -- Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 I got charge for {$150.00} through Bank of America, from XXXX New York. I have no clue about that charge.
Consumer complaint received 2020-03-30
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. (IN)

This complaint is a companion to CFPB Complaint # : XXXX-XXXX. 
Transunion continues to fictitiously " investigate '' by comparing data with the source who provided it. In fact, according to my report, they CLOSED my CFPB complaint on XX/XX/2020 but did NOT investigate as they claimed they would. 
They continue to update my credit report with " Account information disputed by consumer ( meets requirements of the FCRA ) '' when, in fact, their investigation does NOT satisfy the requirements of FCRA. They have NOT contacted anyone at the respective companies. They have NOT viewed any documentation that proves account ownership. As CFPB may be aware, any company can furnish data to Transunion. Provided the company meets the requirements to report data, they only need to submit the data in Metro-2 compliant format irrespective of its accuracy.

Just because the data furnisher and Transunion have matching information, it does NOT mean it belongs to me or is factually correct. The investigation process is NOT accurate in e-Oscar ; I have demanded and demanded physical verification of account ownership ; instead, Transunion closes out these CFPB disputes quickly to save face, yet does not do anything to remedy the situation. The letter I am attaching to this complaint will be sent to relevant government organizations. I respectfully ask that the CFPB conduct an independent investigation into the dispute process utilized by Transunion as continuing to reduce my complaint to an e-Oscar code, sending it to the data furnisher and receiving a 'verified ' label in return is NOT a fair or equitable means of verifying account ownership. To date, they have NOT provided points of contact or documentation they viewed to make the determination that their continued reporting of the items attached meets FCRA standards.
Consumer complaint received 2020-03-30
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX gave me XXXX on a business card then reduced it to XXXX after I had all ready spent up to {$3500.00} on the card. Now I am over 35 % usage which will now damage my credit score dramatically. XXXX XXXX has done the same thing to me XXXX XXXX just increases your interest. XXXX XXXX XXXX takes all you owe and adds it up including your mortgage and then reports you as a risk to the bank, The bank follows thru by reducing your available amount of credit card, the end results is a XXXX score down to a XXXX score reducing you to a risk. I have never missed a payment, In 2008 I was in forecloser I came back after the 2008 '' bank fail '' and saved my home after losing my job, I raised my score to XXXX. These people don't know who I really am, I did all this while raising a family. I don't deserve this. I get hurt and XXXX XXXX XXXX gets rich.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Please assist in deleting these items from my credit report XXXX days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.