davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

XXXX, Equifax and XXXX are reporting 3 hard  inquiries in my credit reports all originating from the same mortgage loan. This is having a negative affect on my credit ratings, and could affect my interest rate. 

We applied for a home construction loan with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. As with all construction projects, the loan process occurs over a period of several weeks while a construction contract is negotiated, plans developed, and pricing finalized. XXXX pulled our report twice, at initiation and with the final builder contract 8 weeks later. The other two banks pulled once. 

It was obvious that we were shopping for the best mortgage proposal for our new home and should not be penalized for doing our due diligence. This should be treated as one hard inquiry ... period. 

My experience is without getting an attorney involved, these companies do not take the time to adequately investigate issues within their reports. 

Thank you for your assistance in this matter. 

XXXX XXXX
Consumer complaint received 2019-09-27
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)

Transunion, XXXX  and XXXX  are reporting 3 hard  inquiries in my credit reports all originating from the same mortgage loan. This is having a negative affect on my credit ratings, and could affect my interest rate. 

We applied for a home construction loan with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. As with all construction projects, the loan process occurs over a period of several weeks while a construction contract is negotiated, plans developed, and pricing finalized. XXXX pulled our report twice, at initiation and with the final builder contract 8 weeks later. The other two banks pulled once. 

It was obvious that we were shopping for the best mortgage proposal for our new home and should not be penalized for doing our due diligence. This should be treated as one hard inquiry ... period. 

My experience is without getting an attorney involved, these companies do not take the time to adequately investigate issues within their reports. 

Thank you for your assistance in this matter. 

XXXX XXXX
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-09-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (CA)

Citibank and XXXX ( the loan servicer ) overcharged for amounts that were not disclosed on the closing documents and refuses to refund. 

I closed a no-cashout refinance on XX/XX/2019. Citibank required cash to close for the impound accounts ( this was disclosed ). In addition, they " streamlined '' the impound account balance from the previous loan into the new loan which was NOT disclosed. This resulted in double charging me for the impound accounts ( approx. {$3800.00} overcharged ) and was not disclosed on the closing documents. 

I have contacted Citi and XXXX 10-20 times over the past 3 months for a refund, and they refuse to send the money.
Consumer complaint received 2019-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion just hasn't been responding to any of the dispute letters in the time frame there supposed to get back to me. Actually I'm not receiving any responses from the at all.
Consumer complaint received 2018-03-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (AR)

Westlake financial has me on a auto loan that I never signed for it belongs to my ex fianc which knew all my information so I'm guessing the car lot let him add me to the loan as a co applicant without my knowledge. I spoke with them and they told me to dispute it and they would take it off. I disputed and they didn't take it off even after explaining the situation. This needs to be removed off of all three of my credit reports because I will take this as far as I can.
Consumer complaint received 2023-04-06
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)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX. XXXX, XXXX XXXX XXXX OF XXXX XXXX XXXX XX/XX/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 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have attempted several times, with and without the assistance of the CFPB to have Transunion perform a PROPER investigation into the public record on my credit report. They state, on their website that public records before XX/XX/2018 were sourced from XXXX. I have included this webpage as part of my attachments. 

I have proof from XXXX, via my Consumer Disclosure File, that no such public record exists on my file. Yet, Transunion continues to assert that they indeed reached out to XXXX and that XXXX verified this public record which is false. 

I know this is false, because I have personally reached out to XXXX and asked them to verify to me if there was a public record, more specifically a bankruptcy on my consumer file, and they said no. 

Transunion, I am requesting that you do the same. Please do your due diligence and contact XXXX. You will find that there is no such public record on my consumer file. And when you confirm this, you shall remove this immediately from my credit report.
Consumer complaint received 2019-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

LVNV FUNDING LLC XXXX XXXX XXXX  XXXX XX/XX/XXXX {$640.00} LVNV FUNDING LLC XXXX XXXX XXXX   XXXX XXXX. 
XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX The above accounts were from id theft. I have sent the companies all of the verifying information the police report, the id theft affidavit, my verifying information. these companies have re-reported this information after they recieved the the police report and all other information, and spoke with them on the phone multiple times.
Consumer complaint received 2019-04-04
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. (NV)

on XX/XX/2019 XXXX XXXX XXXX XXXX reported my car account delinquent I have never been 30days late in my account. This caused me not to be able to refinance my home.
Consumer complaint received 2019-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CO)

*The original amount in dispute is the amount of {$2200.00} for the escrow account as it relates to XXXX  XXXX. This original amount was identified in the Annual Escrow Account Disclosure Statement dated XX/XX/XXXX. 
*On XX/XX/XXXX, Mortgagor also began making the first of 36 scheduled Escrow shortage payments of an additional {$61.00} per month, in addition to the previously scheduled regular monthly mortgage payment, so regular monthly payments were not considered not paid in full and thus held in suspense. 
*On XX/XX/XXXX, Mortgagor filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) after numerous failed attempts to obtain factual information to explain the shortage. 
*On XX/XX/XXXX, Ditech answered the CFPB complaint. Mortgagor was unsatisfied with Ditechs answer but failed to reply to CFPB by the deadline. Mortgagor called the legal department at Ditech on XX/XX/XXXX, but was unable to speak to anyone on that day. 
* On XX/XX/XXXX, Ditech sent Mortgagor an Annual Escrow Account Disclosure Statement stating another Escrow Shortage amount of {$1700.00}. Mortgagor is currently in a 36 month payment plan for the original Escrow Shortage amount of {$2200.00}, which Mortgagor still disputes as owing.

*There is approximately a 40 day period whereby Mortgagor requested that Ditech cancel its escrow for property insurance ( letter dated XXXX ) and Ditech thereby agreed ( letter dated XXXX ) ; Mortgagor then requested escrow for property insurance be started again ( letter dated XXXX ) and Ditech thereby  agreed ( letter dated XXXX ) ; the original issue remains, however, why the original shortage of {$2200.00} is due and owing, an amount that was noted in the XX/XX/XXXX Annual Escrow Account Disclosure Statement, prior to any of the property insurance issues. Ditech claims it was the property insurance escrow issue on XX/XX/XXXX that caused the shortage. This answer is not satisfactory since the chain of events was subsequent to the original shortage notice date and Ditech has yet to explain the discrepancy. 
As a Mortgagor, I have been frustrated with not only the accounting of our Escrow Account but also the communication by Ditech and the inability of Ditech to show us evidence of a legitimate debt due and owing.

Mortgagor is requesting an accounting of this escrow account and an explanation by Ditech of the original escrow shortage amount of {$2200.00} on XX/XX/XXXX. Mortgagor disputes owing this amount until an accounting and an explanation have been provided.
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (MA)

Dear bureau worker, I am requesting for your help because I am disagree with my Barclays bank reporting for the late payments on XX/XX/XXXX. On my last payment of {$31.00} on XX/XX/XXXX I had a left balance of {$1200.00} and set up an automated payments which had to start from the next payment cycle. I did not receive any emails or phone calls that I have problems with payment. On the XX/XX/XXXX I called to the bank to find out my outstanding balance, and found out that non of my automated payments went through and I was reported as a late payments. I was trying to resolve that issue and they just keep telling me to contact via letter to the FCRA and I did that once, never got the answer and now hoping for your help. Please, help me to remove this late payment from my credit report. It makes my life much harder and I am really working toward my credit history. If you can check the other credit cars and auto loan that I have, I do not have any late payment. Please, help me. 

Thank you for your time! 
XXXX XXXX
Consumer complaint received 2019-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

A total of {$760.00} was fraudulently withdrawn from my account. I was also subjected with over {$100.00} of over draft fees which the bank would not refund nor remove the charges. This was the 3rd occurance this year of fraudulent activity on my account. I have had an account with Wells Fargo for some time now and am extremely upset with all of these fraudulent activities this past year. Despite all attempts to rectify this I was informed that they would only refund me {$40.00} and credit my account {$33.00} in lieu of the overdraft charges.
Consumer complaint received 2019-09-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Atlantic Credit & Finance, Inc. (IL)

To whom it may concern, on multiple occasions I have been contacted by both Atlantic Credit & Finance Special Finance Unit,  LLC ( ACFSF ) as well as their counter partners XXXX XXXX XXXX, XXXX. ( XXXX ), in regards to a phantom debt which is alleged to have been originated between myself and a company called XXXX XXXX ( XXXX ). 
When I was first contacted by ACFSF, I explained to the collection agent that I had never heard of XXXX nor did I have any accounts with a company by that name. I asked for the details of the account and later pulled my credit reports in an attempt to authenticate what the agent from ACFSF, had shared with me. 
Upon reviewing my credit reports I realized that I in fact had never had a creditor by the name of XXXX, within my entire credit history. Shortly thereafter I received another call from an agent working for ACFSF asking for payment on this unknown XXXX account, I reiterated to the agent that I was unaware of any such account with a company called XXXX. I advised the collection agent that I would like to be sent a copy of any promissory note or written agreement, which would bare my signature for of terms that I allegedly agreed to repay on a loan from XXXX. I never received any such proof of validity of this debt which is in violation to the Fair Debt Collection Practices Act ( FDCPA ).  These communications with ACFSF transpire within the first two weeks of being contacted by their office.

To this date I have not received any information that would provide any details of the debts origination date, nor in what form that I am alleged to have utilized these funds. 
To add insult to injury this debt is still not reporting to my credit reports and I have been pursued for a judgment by ACFSF, along with their counter partners XXXX, in XXXX county circuit court of  Illinois. On XX/XX/2014, a judgment was entered in favor of ACFSF. The judgment has now provided both ACFSF and XXXX, the ability to garnish my pay checks as a result this phantom debt created by ACFSF and enforced with XXXX. 
Im seeking assistance from the CFPB, to place an inquiry into both ACFSF and XXXX actions against me the matter of illegal debt collection tactics, fraud, and additional violations to the FDCPA. 

I implore your office to take immediate action in this matter!
Consumer complaint received 2019-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I inadvertently ordered two " samples '' from a pop up ( XXXX XXXX AKA XXXX XXXX ) which apparently automatically registered me for recurring expensive monthly orders. I tried to deal with XXXX XXXX/XXXX but they refused to issue credit for the orders that they sent and I refused. They did agree to stop the recurring deliveries. I called Capital One and the agent I spoke with said he was very aware of this company 's bad practices and when he called them they refused to deal with him. He told me I would have to speak with " Transaction Support Team ''. After speaking with them they must have called AXXXX XXXX because a credit appeared on my statement. But then two days later, XXXX XXXX billed me for even more money. 
I contacted Capital One who kept issuing temporary credits, then debiting them perhaps because the pop up company wouldn't deal with them either or they thought they were duplicates, who knows. Each time I spoke with a Capital One rep they would finally say they understood the issue ( it was complicated because of all the credits and debits, rebills, etc. ) but they would direct me to their " Transaction Support Team '' : who, again, would eventually say they understood the issue but I would have to write a letter. 

The response to each of my letters was a similar form letter saying they had already taken care of it when they had not taken care of anything. I doubt they took the time to even understand the issues since their assumptions about the problem were incorrect. 
The last time I spoke with someone on this " support team '' he assured me that we understood each other ( after over an hour on the phone ) and that all I had to do is write one more letter. He even told me exactly how to phrase my request. I did as he directed and only received a copy of the same form letter in response. I give up trying to work this out with the Capital One " support team ''. I want to cancel the credit card but think it's better that I don't until this is settled and I will not give up until this is resolved properly.
Consumer complaint received 2019-05-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (FL)

OnXX/XX/2019, a representative called me and told me that I owe them {$1700.00} and I asked them series of questions like what's the debt? can you validate it's me? They said to me, they don't have to answer my questions regarding this debt. if I don't pay they'll sue me and it hit my credit. I never had a {$1700.00} debt with anyone. I'm furious that this is happening!! 
They called again XX/XX/XXXX and I asked the same questions and they hung up in my face. 
I'm not sure what they'll do next. I believe this not to be my debt. If they are claiming to be mine, it's the wrong amount because I have health insurance.
Consumer complaint received 2019-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I purchased 2 dress from XXXX ON XXXX XXXX WITH MY CITI BANK CREDIT CARD when i received the merchandise on XX/XX/2019 the merchandise was late and the quality was not what was showed online with the picture as the same. I called XXXX and mention to them to send me a label to send the merchandise right back to them which i did on XX/XX/2019 and was received back to them in the same packaged XXXX sent it to me. I then was told XXXX which is a 3rd party came into the transaction and mention they were not going to released my refund back to me Surprised 1 after they have the merchandise back at XXXX and now citi bank are backing them! i nevrer was told or metioned a third party was involved in the transaction up front also me being a victim of identity theft with XXXX 5 years ago was shocked! i then demande that CITI cards returned that {$67.00} back to my credit card becaused it went on back and forth for over a month now. I ACCUSED CITI, XXXX, XXXX OF TRYING TO STEAL MY HARD EARNED MONEY ALSO CALLED THE DISPUTE DEPT AND CHATTED WITH THEM ON LINE GOING ON A MONTH NOW! XXXX HAVE THE MERCHANDISE BACK AND ALL THREE HAVE REFUSED TO GIVE ME MY REFUND! Dispute # XXXX
Consumer complaint received 2019-09-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dear Countrywide, in XX/XX/2009, you serviced a mortgage loan issued by Bank of America with MIN XXXX on my property. The FHA loan was closed by your agent and was mailed to my property. It was fun, however, when you guys mailed me the mortgage loan paperwork, you only mailed me the last signature page copy of the HUD 1 Settlement Statement.So as of today I am without the  information of what happened after you sold your service with me. Also I was very upset when you grabbed my signature from some other document and stuck it right on the deed of trust and every where. That was an outstanding job. But here is what I am really upset about you know, and those are- 1. As I said I don't have your HUD 1 Settlement pages that you executed at closing, 2. You did a fraudulent  assignment of deed of trust to Bank of America, I understand that but how could you breached the contract with me by allowing XXXX XXXX sign for it!!! This was so unforgivable you know. XXXX XXXX was a XXXX   employee and has nothing to do with MERS!!! I get the fact that XXXX and you are close buddies, but that does not mean you will do assignment by breaching our holy deed of trust! 
3. See, an obligor can not challenge an assignment when such assignment breaches his contract with the assignor who is in default. But right now, I am not an obligor. So I can straight go for breach of contract and get this voided and then go after this XXXX mess. 

4. May be we should settle this out of Court. I need to get my title clean which you all have filled with clouds. So send me your agreement on the fact that this has been in violation of breach of contract and I just go to Court and clear the cloud.

And please don't forget to attach the copy of HUD 1 Settlement statement that you executed during closing in XX/XX/2009. 

Thanks a lot.