davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX, 2019 I established an account with XXXX XXXX XXXX XXXX because I was unable to pay the full amounts due on my credit cards. My payments to them started in XXXX, 2019. I have made payments to them as agreed. I have not missed a payment since my account was set up. I have monthly statements from XXXX XXXX XXXX showing dates, payment amounts, and reference numbers for each payment to every creditor. My credit reports from XXXX, XXXX, and Trans Union indicate that I have been 30, 60, 90, and 120 days late on some payments. This information is extremely inaccurate! My creditors give me credit for payments they received in later months for the exact amount they received in the earlier months when my account originated with XXXX XXXX XXXX I sent copies of my statements to XXXX, XXXX, and Trans Union. I have asked them to delete the inaccurate information from my records. I have not received a reply as yet. This inaccurate information has caused me to suffer extreme financial hardship. I have been denied the ability to refinance my mortgage. I have received very low credit limits and very high interest rates on my new credit cards because of these inaccuracies. Please instruct XXXX, XXXX, and Trans Union to immediately delete the inaccurate information from my records! 
Thank you,
Consumer complaint received 2021-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my personal credit report and I noticed multiple credits Inquires that I do not recognize that have been made, I've tried disputing all fraudulent inquires with Transunion and got no help from them, their website states to contact the creditor if I dont recognize the inquiry it does not say any-thing about police report
Consumer complaint received 2015-08-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

The account was closed over 8 years ago. FAIR COLLECTIONS keeps changing the date that the account was closed. It now shows on my credit report as if the account was opened in XXXX. It was opened in XXXX. I moved and closed the account in XXXX.
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX is reporting on XXXX closed accounts as accurate and on time. XXXX is reporting closed accounts as open and on time. 
The accounts are reported daily as on-time. The accounts have no status and no remarks. These accounts need to be deleted. The closed accounts are keeping my fico and vantage score from improving and increasing due to the fraudulent scams to keep the closed accounts as open when they are not. By keeping the accounts XXXX XXXX can continue to be paid. This practice of reporting these closed accounts does not allow any financial opportunity for future credit or financial assistance
Consumer complaint received 2021-10-28
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: EQUIFAX, INC. (GA)

Reported errors for over 2yrs using dispute process, came back " verified '' each time, agency failed to report only accurate information for over 2years and even allowed creditor to re-date payment history to appear as recent causing severe damage to my creditworthiness in the eyes of lenders.. i submitted multiple disputes to fix this and nothing happened, i asked for the accounts to be dele/ted but they simply updated some items and left the entries on my report..as of this date/ they are still not accurate * the credit bureaus are required to report only 100 % accurate information and they have violated FCRA and the creditor has supplied incorrect information for years and verified it as accurate each time it was disputed, everything for dates to balance to payment history has been different in each reporting to the bureaus but came back verified each time it was disputed
Consumer complaint received 2021-07-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (IL)

I noticed a debt from XXXX XXXX on my credit report.. The only account I had was in XXXX.. I continued to dispute that this should be removed from my credit report.. and I don't recognize the amount owed.. I have the right to this only being on my credit report for 7yrs.. I've not had any other accounts with XXXX XXXX except for a prepaid account in which I paid monthly.. that wouldn't lead to overage in debt. I've disputed relentlessly with the credit bureaus.. I'm not sure why this hasn't been removed.
Consumer complaint received 2017-01-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (PA)

This person calls. Does not say where he is calling from other than the state. Does not indicate why he is calling or what it is about. He is rude. Has called my work when I have asked not to be contacted as I am not allowed to have personal calls.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am following up to update you on my recent complaint and to reiterate my dispute regarding certain entries on my credit report. To support my claim, I have submitted an Identity Theft Report # XXXX, aligning with the requirements of FCRA section 605B ( a ) ( 1 ) ( 2 ). This mandates the removal of any entries identified as fraudulent from my credit file within four business days upon receipt of ( 1 ) appropriate proof of my identity and ( 2 ) the identity theft report. The entries still pending removal are listed below : XXXXXXXX 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 XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX I emphasize the four-business-day timeframe for the removal of these fraudulent entries from my credit file. Additionally, I request the avoidance of automated verification processes like XXXX and ask for the results to be sent to my provided address.
Consumer complaint received 2022-10-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (PA)

I disputed an old vehicle loan that was written off with XXXX multiple times letting them no the collection agency agreed to do a pay for deletion and they did not acknowledge the agreement after I payed the debt in full which is not fair
Consumer complaint received 2021-07-25
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a cosigner of student loans for my son, unfortunately he has XXXX  XXXX and therefore his student loans was discharged by bank, i have received from XXXX XXXX a proof of a letter that loans was discharged and no obligation to repay the loans. But unfortunately all three credit companies ( Transunion, XXXX  and XXXX  ) keeps an amount of {$26000.00} and {$25000.00} on my Credit Reports as a Balance. i was trying to Dispute on their websites a few times on XX/XX/2021 but always appear a message " '' We encountered an error when trying to access your credit history report '' '' '' ''
Consumer complaint received 2022-02-06
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. (MD)

I am filing a complaint with all 3 credit bureaus ( XXXX, Equifax, XXXX ). The current companies are not complying with their own policies in a timely matter. I have reached out to them in regard to unauthorized inquiries on my account and it has been more than 30 days and i have not had any updates.
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

I sent 2 principle payments to The Money Source to the address that they provided for sending cashiers checks for such payments. Thy have confirmed that these have been received on XX/XX/2021. However, as of today they have yet to apply the payments to my account and have indicated that they are moving the checks internally ( initially they indicated they were sent from CT to AZ and now they indicated they were sent to TX ). I have had numerous calls with no clear timeline or path to resolution.
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 — Information belongs to someone else
Company: Automated Collection Services, Inc. (NY)

After reviewing my credit report, i noticed discrepancies listed under the following names ; Automated Collections XXXX and XXXX XXXX XXXX. These account i do not recognize and were asked to be validated properly, which wasn't. They are still reflecting on all XXXX credit report and is still negatively affecting me. I do not believe the account belongs to me or the collection company has authorization to atempt to collect on the account. Please strike and remove these collections from all XXXX credit bureaus. 
15 USC 168 section 604 ; States right to consumers privacy- reporting agency can not furnish an account without MY written consent
Consumer complaint received 2021-10-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (NY)

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ny XXXX Date Of Sale : XX/XX/XXXX Westlake Financial Acct # : XXXX Westlake Customer Care XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Attn : Executive Offices Mr. XXXX & Mr XXXX Thank you for all your assistance in this matter. Please consider this letter to be the first attempt to rectify the credibility of the sale of the XXXX XXXX XXXX XXXX taking place Tuesday, XX/XX/XXXX. 

The Current status of the loan is repossession, Due to a payment error. Westlake Financial states that funds were not received in a timely manner, although I authorized payment. I am not experiencing any curtailment of income to cause a discrepancy of this sort. ( MISSING PAYMENT ). Please review to reconsider the details of this matter. 

On XX/XX/XXXX during a phone call wirth Westlake Financial, I authorized payment via customer solutions inbound by providing my card information. However, my bank never received a request for that payment. After speaking with a Westlake representative a second time they verified on XX/XX/XXXX. I noticed the balance in my account had not decreased. The rep informed me of the current status of my delinquent payment. Although they verified I previously spoke with them, they had no explanation as to why the payment was never processed. I reauthorized and reprocessed the payment. To never deal with this confusion again. Automatic payments are set in place to assure future on time payments.. If the payment was processed by Westlake during that phone call, the payment would have been 6 days late, not 10. As per your contract it states if the first payment is late, there would be a 10 day grace period for submission along with a late fee. 

Please consider carefully reviewing and exhausting all efforts to rectify this account. As this seems to not be the best car buying experience. I trust that your team is dedicated to servicing your clients. Looking forward to a formal follow up. 
XXXX XXXX XXXX
Consumer complaint received 2023-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Hi, Thanks for your help! 
Today I called Navient. I have Federally backed loans that were originally from XXXX and XXXX XXXX. 
Navient told me that I don't qualify for the Covid pause because my loan was private. I didn't have any private loans, they were all Federally guaranteed student loans. Navient purchased them from XXXX. I never consolidated. 
Today, I believe they misinformed me about the Covid pause and the income based repayment plan. They told me that I would have to pay two thirds of my monthly salary if I entered repayment. 
They strong armed me into forebearance. 
Thank you, XXXX
Consumer complaint received 2021-10-28
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

From XX/XX/XXXX to XX/XX/XXXX someone stole my debit card and made small purchases in the $ XXXX range and large purchases up to {$910.00} dollars from XXXX. 

As I was in the process of moving and switching out of an abusive job, I was not actively monitoring my account .. when all was said in done..... I had submitted XXXX separate claims -> XXXX for {$5600.00}, XXXX for {$3200.00}, and XXXX for {$980.00}, which had been stolen from me on my lost debit card ( I did not realize it was gone until XX/XX/XXXX ). 

When I submitted this to Bank of America within the 60 day period in which they are liable for my charges- they declined saying that I had authorized them. 

At this point, I called back, asked that they reopen the claim and offered to provide any information that would be required to reinstate my claim. To my surprise- a few days later my claim was closed again. 

So, I called back and asked for a member of the fraud team to call me and describe specifically what information that I can provide to prove that not a single one of these transactions was me. I am very busy- but have left work and disrupted my daily life to go to the retailers and get proof that none of these charges were even me. 

Again, Bank of America never called me back and this time without alerting me they again closed my claim. Futher, when I just called them to complain - the agent hung up in the middle of the call and did not call me back after I waited on hold for 30+ minutes.

This ordeal has put me in serious financial jeopardy to the point that at one point I wasn't sure how I would pay rent, I have been nothing but willing to provide any information that the team would need to prove that it was fraudulent ( It was ), and I have taken hours upon hours of my own time to resolve this. I am beyond dissapointed with Bank of America 's treatment of a long term customer.
Consumer complaint received 2021-10-28
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: EQUIFAX, INC. (GA)

Collection account - disputed it, it was removed XX/XX/XXXX and was immediately placed back on without proper verification, I disputed several times and asked for an original document with my original signature showing i agreed to do business with this agency and none has been provided after 3 disputes, this has affected my creditworthiness and score and caused me to lose financing and pay higher interest rates. 
it has been removed from the other credit bureaus * the credit bureaus are required to report only 100 % accurate information and to maintain an original document of any account they are reporting. they have violated FCRA and the creditor has verified it as accurate electronically each time it was disputed
Consumer complaint received 2022-02-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I XXXX XXXX was denied extension of credit by Bank of America. On XX/XX/2022, I applied for Bank of America auto financing. It is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 169XXXX ( C ) and you assume civil liability Pursuant 15 U.S Code 1691 ( K ). Bank of America has violated my federally protected rights : 15 U.S Code 1642 15 U.S Code 1681M 12 CFR 1002
Consumer complaint received 2022-02-25
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. (GA)

I have received a response from you all about the credit agency complaint number XXXX. 

Unfourtunately, I believe that you all are allowing the bureaus to break the laws according to FCRA laws which state that the bureaus are suppose to response within a reasonable time frame of 30 days. Yet, they have not even responded until I sent a complaint via you all. Also you all know about the CARES ACT and this violates that as well. Equifax was recently involved in a case for actions like this. 

There actions of not responding to me in a timely matter and keeping this inaccurate information that is not even mine on my report is preventing me from getting a safe and affordable place to stay for my family and I again.
Consumer complaint received 2021-10-28
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. (WI)

Unauthorized Inquiries that I didn't authorize and asked Equifax to delete per FCRA 605b. Equifax refuses to comply with FCRA guidelines and delete inquiries in question which are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FTC Report filed # XXXX. 

Furthermore despite going through Equifax Portal report # XXXX Equifax is violating my consumer rights by refusing to delete an inaccurate address and refuses to remove fraud alert as well as a personal statement that I did not ask for or authorize. I am unable to get anyone on the phone either. I've sent numerous letters with proper ID verification as proof of who I am. Equifax refuses to comply with regulations.
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

Caliber Home Loans deliberately has taken down their payment system ahead of the end of the month. They are no longer accepting bank/ACH payments, nor are they accepting debit payments. 

Their representatives do not have a good understanding of what is going on, so they misroute and misadvise users. 

I requested written confirmation of the outage, they refused to provide it. Their solution is to try again on Monday, when all of their other thousands of users will likely be making the same scramble to pay. 

I informed them I was trying to address the issue proactively, and they refused to offer any solution beyond waiting and hoping. Always sound fiscal advice. 

They would not provide any confirmation of the situation that I can leverage in future conversations, despite my request based on previous experience during a home refinance ( that I halted ) where I was explicitly lied to about the details of the refi. 

I do not take this team at their word. I asked for written confirmation, and it was denied. I asked for a recording of the call, as it was being recorded, and I was denied. All they would give me is my loan documentation. And while it outlined my grace period for penalty, it makes no mention of credit referrals or other things Caliber can do that may tangible harm my credit score or other aspects of my financial health. 

This company is terrible, and someone should review their shady business practices, as I'm sure less fortunate consumers are being hurt by them and their deceptive, non-transparent practices.
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

Hello, I'm writing to ask for your help with my mortgage company. 
My home was lost to hurricane XXXX on XXXX XXXX. It was destroyed and torn down. 

The insurance company was great and sent me two checks in both my name and the name of my mortgage company ( PHH Mortgage ), one for the amount of {$52000.00} and the other for {$2200.00} totaling {$54000.00}. They also sent me another check for the contents, but that was only in my name. 

I endorsed the two checks and sent them to the mortgage company. On-line, it shows they received these checks on XX/XX/19. 

PHH Mortgage ( the Loss Draft Department ) has repeatedly denied my request to apply this balance to my principle, they have denied my request to send the money back to me, and when I asked for a payoff statement, in writing they put that my 'Available Escrow Funds ' is {$0.00} - they and wanted me to sign and notarize that statement and send the difference of amount back to them. I refused to sign a statement that said I have no money in escrow. 

I'm at a loss of what to do next. They won't apply it to the principle, won't acknowledge my escrow amount in writing, and won't send the money back to me ....??? 

They do not offer an account representative, so each time I call I have to explain to a new person what is going on, and each time I am given a different reason why they can not help me. When I asked for the money back I was told that amounts over {$40000.00} can not be released without a letter from my insurance company saying they approve of this - then PHH would review and let me know if they would release the funds. 

My insurance company had never heard of such a request and does not want to get involved, but my representative did send me an email stating this, and she added that she does not understand why they are denying me access to this money. 

I have been making the monthly payments and have kept current with this account. 

I know they are a big corporation and I am just a small nobody, but I really don't have {$54000.00} to give away. It is all so frustrating. 

I would appreciate any help you can give me. 
If you can not help, please let me know what my next course of action should be. 

Thank you for your time,