davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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. (LA)

XXXX XXXX Last 4 of XXXX XXXX & XXXX XX/XX/XXXX Credit Bureau XXXX TransUnion XXXX XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$830.00} on XXXX, Transunion, and XXXX how can XXXX XXXX, opened XX/XX/XXXX This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. 
I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Their is also false inaccurate incomplete Inconsistent payment history made so all three reporting agencies XXXX shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : Transunion shows no payment history within the last 24 months
Consumer complaint received 2019-06-15
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. (AL)

Experian is reporting a negative account on my credit file from XXXX XXXX N that I have never had. I pay all my bills on time and my credit file has been damaged because of this account that is not mines on my credit file.
Consumer complaint received 2019-04-18
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: EQUIFAX, INC. (MD)

On XX/XX/XXXX, I sent disputes to Equifax, XXXX, and XXXX about unverified, erroneous information on my credit report and I've yet to receive a response letter from any of them aside from Equifax, who have decided to re verify my identity instead of assisting me in clearing up errors. They are also reporting various non account holding, unauthorized hard inquiries on my report and are not removing them after they've been sitting there for over 2 years without my knowledge or permission.
Consumer complaint received 2016-04-09
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MD)

I ordered an item at Macys in XXXX XXXX using my Macys credit card of {$160.00}. I made the purchase on " pre-sale, '' meaning I got a discount but could not pick it up until the next week. I decided to cancel the item and called the store to cancel the purchase, which they did. I was told I would not be charged unless I picked-up the item, however my XXXX statement showed the charge. I opened a dispute via the Macys online portal and called them to let them know the charge was in error. They told me they would investigate it and it would take up to XXXX billing cycles to review and I did not need to make a payment on the card. They told me this in writing and on the phone. ( Note, that charge was the only item on the account -- my bill is always paid in full. ) I started getting interest charges and late fees due to this disputed charge, which Macys reversed when I called them every month. I spent the next six months, through XXXX XXXX calling and trying to find out the status of my dispute and resolve the account. Then in XXXX, even though Macys told me multiple times not to pay the bill on the phone and in written emails, they reported me to the credit bureaus. They placed multiple XXXX, XXXX, 120 day late marks on my credit report which damaged my credit by over XXXX points. When I called and told them I was just following their written instructions, they told me there was nothing they could do. They could not remove the derogatory information until the dispute was resolved in my favor. After many HOURS of calls over a period of months, I finally spoke to someone competent who researched my case and found the dispute WAS actually resolved in my favor in XXXX XXXX but Macys " forgot '' to process it! She told me someone dropped the ball in the dispute department and never sent the file to the credit department. She told me they were updating my account to show a {$0.00} balance and they would put a rush to remove the derogatory credit reporting. However, it has been a month and Macys is STILL showing the full balance, adding more late fees, and my credit has not been fixed. I now have a letter from a collections agency from Macys. 

I have spent hours and months trying to repair this issue which is completely Macys fault. They charged me for something I never got, they did not properly handle the dispute, they told me not to pay then trashed my credit, and now they told me it is being fixed and nothing has happened. This company is negligent and has tarnished my credit because of their negligence and fraud.
Consumer complaint received 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (WV)

Ditech, XXXX XXXX XXXX, Green Tree it whatever title the company is going by this week is a joke!! I have been a victim of them for far too long. Not only are the employees rude, it goes beyond that, they downright harass you, and hang up on you if you decide to say anything back to them. 

My husband and I took out a mortgage with Green tree homes in 2013, this was by far the worst mistake of my life!!! In the beginning I was told my house payment would be {$450.00}, and the total cost of my home was {$51.00} XXXX. The House didnt even have a septic system so before buying we also had to finance this in with the cost of the house. The septic system that was put in never worked correctly and weve had to have it pumped once or twice a year. On top of that this took my {$450.00} payment up to {$600.00}. 

Fast forwarding some green tree has switched and is now ditech. I never agreed to finance through another company and had no knowledge of this. 

Fast forward again, we got behind on 3 payments around XXXX one year..they started harassing us and even called my neighbors stating my house payment was behind!! How embarrassing that was, and I never gave them permission to talk to anyone else about my account!! 

Fast forwarding again, my husband is currently laid off his XXXX  and XXXX  job and we are left without any income. I called ditech to see if we could do some sort of modification or payment deferral. The representative told me he has spoken with his manager and the following week when I came up with {$740.00} to pay on the escrow of the house and property he would deffer the payments we missed to the end of the loan. I call back to make that payment where Im informed that no deferral was ever approved, even though I was told it was. They told me making the payment wouldnt help me any because my account was getting ready to go into foreclosure. They said I either needed to pay all the past due amount or just let it go and lose my house and property. I told them I was going to look into filing bankruptcy because I do not want to lose my home. I call back and the representative asks me what Im doing with my money and says this is my home and I should be concerned about whats going on even though Ive worried myself so sick over all this Ive had to go on anxiety meds. I tell her Im trying to file bankruptcy and my lawyer should be contacting them, she then tells me it may not stop the foreclosure!!!! Why, I asked her and she said because thats the process. I told her she didnt have to be so rude to me, I was just trying to understand the process and shes provided me with the worst customer service Ive ever received in my life!!! Then she says goodbye and hangs up on me. 

This is by far the worst company Ive ever dealt with in my life, and theres so much I can explain further about all theyve done to us! Ive also saw online several class action suits against this company for kinds of fraudulent activities. Someone please do something about them, they rob people!!!
Consumer complaint received 2023-08-10
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)

1, XXXX XXXX XXXX is listed as closed but it is a open account in good standing with XXXX balance owed and high limit of XXXX dollars. ACCOUNT HAS BEEN READING CLOSED N HAS DAMAGED MY SCORE GRATLY. ACT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX ) equifax XXXX 2 XXXX XXXX XXXX Balance is reporting incorrectly at XXXX INSTEAD OF XXXX. ( MY credit with this company was XXXX and now it show limit of XXXX. Which also hurts my credit because it increased my credit utilization with no warning that my account limit would be decreased.Please i need the account to reflect the correct amount that's due. ACT NUMBER XXXX XXXX  XXXX XXXX ( XXXX ) ( equifax XXXX ) 3. XXXX XXXX shoiwing correct balance of XXXX and should show XXXX ACT number XXXX XXXX XXXX XXXX XXXX XXXX ) equifax, XXXX XXXX XXXX XXXX XXXX is reporting incorrectly and should report as XXXX. ACT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX. XXXX XXXX IS REPORTING INCORRECT IT SHOULD READ XXXX BALANCE.XXXX  XXXX XXXX XXXX XXXX Equifax ) ( XXXX ) XXXX XXXX XXXX is reporting incorrectly. XXXX is amount due. Act last four XXXX ( XXXX, equifax, XXXX  ) XXXX, XXXXXXXX XXXX XXXXT is showing incorrectly correct amount is XXXX. ( XXXX XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I'm a XXXX  while on XXXX XXXX in the field my car was repossessed which is against the law without a court order This is being reported as a delinquent account with no payment from XXXX XXXX XXXX account number # XXXX Also this bank never sent a notice of Redemption or a notice of DEFICIENCY. 

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle.

If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Consumer complaint received 2023-02-07
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX : {$510.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX Balance : {$20.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-06-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Strategic Alliances, Inc. (UT)

I received a phone call at work from a XXXX XXXX saying that she was a paralegal and that said that she just had a proposal for garnishment of wages dropped on her desk and legal action needing to be taken for an old medical debt from XXXX of 2015. She said that she wanted to give me a chance to settle the debt of {$1600.00} that was originally the remainder owed that was already settled and paid. She said that they could settle for {$1000.00} if by the end of the day without further legal action or by morning a lawsuit would happen. I was distraught and in tears the way that I was treated so much that my boss took over the phone conversation and offered to pay it. I immediately talked to my husband that confirmed the bill was settled in XXXX of 2015 and had a confirmation letter stating that is was settled in full. Company lies on the phone and when you fax them the cease and desist letter and prove the debt was settled years ago, you keep getting phone calls and threats to take your driver 's license and take you to court at home, to other family members and your workplace. They say illegal phrases and tell other persons private information in your family phone group. No proof of what is owed or what they say and is over 4 years ago! They have XXXX phone numbers that they mainly use XXXX and XXXX. Here is a copy of a message transcribed from answering service to text. This is what our daughter received on her phone and it is identical to the one received on the house phone : " XXXX Depositing new message. Hello this message is solely intended for XXXX. ______, I'm calling in regards to a request of a petition to be filed against you in regards to your involvement in investigation of theft and services. Either you or your attorney must contact your filing party today at XXXX XXXX at XXXX. Failure to comply will result in the issuance of a guilty plea on your behalf as well as the suspension of your state drivers license. You have been notified. Good dat and good well ''
Consumer complaint received 2023-06-28
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. (KY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX 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 2019-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

My mortgage with XXXX was sold to Loancare LLC ( XXXX ID XXXX ) when XXXX went bankrupt for the second time. I received a letter from Loancare which said that my account would be ready for registration on XX/XX/2019. 

It is now XX/XX/2019, and the Submit Button for LoanCare 's account withdrawal payment option still isn't working. I do, however, have a loan number. 

Is Loancare LLC REALLY in business? It's website does not supply an email address. It's website does not provide a webform which borrowers can use to make an inquiry. Loancare 's  customer service phone lines are SERIOUSLY understaffed. It's payment setup doesn't work. Callers can't ask for a callback. 

I spent from XXXX today XX/XX/2019 on the phone listening to the same two phrases of a piano piece ( and one other piece of music ) repeat ... ad nauseum. 

At XXXX Pacific Standard Time/XXXX Eastern Standard Time, when LoadCare closed for the day, my call was terminated. I never DID learn whether the extra payment XXXX received on XX/XX/19 will be forwarded to LoanCare. Nor did I succeed in setting up payments A WEEK AFTER MY ACCOUNT WAS SUPPOSEDLY READY TO SET UP LOAN PAYMENTS. 

Right now, it's easy to foresee a scenario where Loancare 's  understaffing and poor administrative processes diminish MY credit score. That's scary. 

See XXXX XXXX XXXXXXXX ). Whoa! 

I'd hoped to setup auto payments two times/month ( in an effort to reap some interest savings ). Now what? This story does not reflect well on LoanCare , LLC. I'm not sure it reflects well on the CFPB, either. Was the {$100000.00} fine a mere slap on the wrist, or enough money to motivate LoanCare to change it's behavior?
Consumer complaint received 2019-04-13
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: TD BANK US HOLDING COMPANY (UT)

I have submitted several disputes with XXXX and they do not take off this fraudulent account. They say the company has provided information for them to not block it. I filed a police report back in XX/XX/XXXX and it was removed and then was put back on XX/XX/XXXX and I submitted a dispute in XXXX, XXXX and XXXX. They refuse to take this off I have filed a complaint with the company Nordstrom as well.
Consumer complaint received 2019-06-15
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. (NV)

I have been contacting the 3 major credit bureau to have a bankruptcy remove my credit report. On XX/XX/2019 XXXX removed this item from my credit report, than on XX/XX/2019 this agency put it right back on the report.
Consumer complaint received 2019-10-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (VA)

IN XXXX, XXXX. I WENT OUT OF WORK FOR XXXX XXXX IN XXXX, VA WITH XXXX AFTER GETTING TO THE POINT OF NOT BEING ABLE TO GET OUT OF BED AND DO ORDINARY DAY TO DAY ROUTINE THINGS LIKE CLEANING MY HOME. IN XXXX I FILED FOR XXXX ON MY DOCTORS ADVICE AND IT TOOK, TO THE BEST OF MY BAD MEMORY, ALMOST 2 YEARS TO GET MY XXXX AND COST ME XXXX DOLLARS FOR SOCIAL SECURITY AND FOR MY XXXX FROM FEDERAL GOVERNMENT TO KEEP MY INSURANCE BECAUSE OF PRIOR HEALTH PROBLEMS. I HIRED A COMPANY IN CALIFORNIA TO HELP ME RESOLVE MY CREDIT DEBT. I WAS A SINGLE MOM WITH XXXX SONS TO RAISE AND NOT A LOT OF HELP FROM THEIR DAD. I HAD SETTLED A COUPLE AND THEN WAS SERVED WITH WARRANT OF DEBT FROM 2 BANK COMPANIES. I COULD NOT PAY WHAT THEY WANTED BECAUSE I HAD LOST OVER 10 THOUSAND DOLLARS IN SALARY AND WAS JUST TRYING TO KEEP MY SONS IN THEIR HOME WITHOUT UPSETTING THEM MORE. SINCE THEN THE CREDIT COMPANY LVNV Funding , LLC HAS BOUGHT THE DEBT WHICH IS PAST THE STATUE OF LIMITS FOR COLLECTIONS AND HAS SERVED ME NUMEROUS TIME AND THE LATEST WAS LAST XXXX WITH ANOTHER WARRANT OF DEBT. THE COURTHOUSE IN XXXX County SENT OUT A LETTER TO OBTAIN AS TO WHY THIS COMPANY COULD NOT GARNISH MY BANKING FOR WHICH MY XXXX CHECKS WERE BEING DEPOSITED INTO AND I FILLED IT OUT AND SENT IT BACK WITH COPIES OF MY XXXX STATEMENTS. LVNV Funding, LLC SENT OUT A NOTICE EXACTLY LIKE THIS ASKING IF I WAS ON XXXX AND I FILLED IT OUT STATING I WAS AND RETURNED THIS. THIS WAS XXXX, AGAIN, OF XXXX. I HAVE BEEN TRYING TO RE FINANCE MY HOME SO TO LOWER PAYMENTS AND TRY TO GET IT PAID OFF EARLIER AND NOT BE JUST MAKING IT EVERY MONTH. EVERY TIME I TRY TO RE FINANCE MY HOME THIS JUDGEMENT SHOWS UP WHICH AGAIN IS OVER 10 YEARS OLD. IT WAS TAKEN OUT AGAINST ME IN XXXX OR XXXX. THEY KEEP TRYING TO COLLECT ON IT AND THE CREDIT CARD WAS ORIGINALLY WITH XXXX XXXX XXXX  AS FAR AS I WAS AWARE AND I DO NOT KNOW HOW XXXX XXXX  GOT INTO THIS WHOLE THING BUT I ACTUALLY HAVE A CREDIT CARD FROM XXXX XXXX. HOW DO I GET THEM TO LEAVE ME ALONE REGARDING THE TIME LIMIT FOR EXPIRATION OF THIS CREDIT CARD ISSUE?