davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
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. (PA)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX BANK NA ; Account Number : XXXX ; Balance : {$2300.00} ) has led me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2021-08-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I entered into a payment deferment arrangement in response to the COVID-19 pandemic with Wells Fargo in XX/XX/2020. Wells Fargo sent a letter to me in XX/XX/2020 to reaffirm and clarify the terms and status of my payment deferment. During the past few weeks, however, Wells Fargo has verbally contradicted the information provided to me in the XX/XX/2020 letter regarding the terms of my deferment. XXXX XXXX most recent communications have not only contradicted the XX/XX/2020 letter. Wells Fargo has contradicted the content of multiple conversations I have held with several Wells Fargo representatives by phone over the course of the past 17 months. In an effort to resolve this dispute, I have requested in writing that Wells Fargo provide me with notes and audio recordings that Wells Fargo representatives have been required to take of my phone conversations with Wells Fargo during that time frame. Wells Fargo refused to do so by asserting that my request is overly broad and burdensome. Wells has not acted in good faith by not offering me any portion or any time period with respect to the notes and recordings I have requested. 

Wells Fargo has informed me on at least three occasions that they would further research this matter and provide me with a written response as to their findings regarding my dispute. However, Wells Fargo has not yet provided any findings to date and has failed to respond within any of their represented time frames to respond.
Consumer complaint received 2021-06-13
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. (NY)

OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XX/XX/XXXX you caused me.
Consumer complaint received 2022-03-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NJ)

I fell behind on my mortgage due to covid19 and a household members XXXX diagnosis the same time covi19 started. I got approved for financial help from my county/state for mortgage assistance. The department of human services of XXXX XXXX New Jersey sent a fax of a purchase order that needed to be signed in order for them to release a check. This was sent on XXXX XXXX. My mortgage company has told me 5 different times already that they can see the document that needs to be signed, and will escalate it to the appropriate department. Everytime I call I get the same answer. It is like I am getting a runaround each time with no solution. I already have received some letters from the mortgage company about a foreclosure process. If they would have signed the paper and sent it back to my department of human services, I wouldn't be in this position. I called on XX/XX/2022, again XX/XX/2022, again XX/XX/2022, again XX/XX/2022, again XXXX, XXXX. All these conversations are recorded and saved in their notes, because evertime I call they can see everthing that was discussed. I talked to XXXX, XXXX, XXXX, XXXX, XXXX. I don't know why this is happening. I got your information from my department of human services.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

A collection Agency called XXXX XXXX is reporting an account to all three credit bureaus as open in XXXX. I have disputed this several times in the past few years that the account is not mine and no one has sent any proof of the account. My credit file a few years ago showed this account as closed in XXXX, yet now XXXX XXXX has changed from closed to open, more than once causing my credit score to drop 25 or more points. The credit reporting agencies are not doing anything but accepting the word of the collection agency without any proof of this account being opened by me and the collection agency XXXX XXXX refuses to report it was closed by XXXX XXXX in XXXX the credit reporting agencies Transunion , XXXX and XXXX , are only stating on my file that the dispute was resolved but consumer disagrees. 

This is very wrong!
Consumer complaint received 2022-12-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

I have repeatedly contacted PennyMac requesting an explanation for inaccurate info listed on past payment breakdown sheet and mortgage statement. PennyMac will simply not respond and furthermore can not explain why they are showing XXXX in fees on the past payment breakdown and XXXX fees on my mortgage statement. 

Please be advised that the XXXX is actually escrow and the XXXX is actually a refund from this past XXXX when a double payment was mistakenly made. This inaccurate reporting of information is making it impossible for me to get a Home Equity Line of credit through XXXX XXXX 

PennyMac has refused to give me a letter of explanation to give to the bank and has refused to correct information on their part. 
Instead, they tell me that I can just get a HELOC through PennyMac. Sadly, I think this is being done on purpose and I am greatly concerned as the numbers, per XXXX XXXX, do not add up correctly when looking at past payment breakdown sheet. Please help me get this fixed.
Consumer complaint received 2022-10-11
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-08-01
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)

The following accounts were on my credit report as Charge off with balance : XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX.. .. the payment history of late payments are completely inaccurate, and lacking.. I paid the account in full, no balance ... Date of last activity is also not correct. So many errors! CFPB step up and remove this listing
Consumer complaint received 2017-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CT)

A claim was opened on  XXXX  with  Paypal  for a transaction, #  XXXX ,  XXXX  from  XXXX  on  XXXX . I received a message today asking me to return the item at my own cost to  XXXX . The reason for dispute is the item was damage by a local   XXXX   store and they refused to refund the item. The item was taken to a local store to be monogrammed and the  rep ( s ) damaged the item by pressing initials too hard on the leather making the monogram too deep and damage the item. I attempted to explain this to several Paypal reps, howeve r, I was told the claim was closed out and it was not by myself. Papal reps refused to do anything further
Consumer complaint received 2022-02-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

In XXXX of XXXX I filed a XXXX  XXXX bankruptcy and in XXXX of XXXX I had to file a XXXX  XXXX bankruptcy due to being left with debt from a bad relationship. I contacted each of the credit bureaus and asked them to remove these 2 negative items early off my credit report since both are almost at the maximum amount of time that it can remain on my credit report. I also asked all 3 credit bureaus to remove all the late payments that related to me having to file the XXXX XXXXXXXX bankruptcy since all of them are approaching the 7 year mark. Im asking for their removal because all are scheduled to be removed throughout this current year and I would like my full credit back and I have paid the price for these mistakes for long enough. I would like to buy a house this year and these marks will cause me to pay more interest than necessary. Im also still getting declined for unsecured credit cards because of all these negative marks. I feel that my credit history over the last few years has shown that I have overcome my previous issues and its unnecessary to keep punishing me for things that happened so long ago. I dont feel that its fair to continue to punish me and hold part of my credit hostage for such old items.
Consumer complaint received 2022-07-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XX/XX/22 I sent Experian a : Affidavit of Truth ( notarized ), and a invoice stating the laws that have been imposed on and the amount I was owed based upon that breach. I have not gotten any response. 

On XX/XX/22 I sent Experian the same information with a few more documents : Affidavit of truth ( notarized ), a invoice, legal notice and demand document. 

It is now XX/XX/22 and I have not got a response from this company. 

I sent all my documents certified mail to : EXPERIAN XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-02-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In XXXX of XXXX I filed a XXXX XXXX  bankruptcy and in XXXX of XXXX I had to file a XXXX XXXX bankruptcy due to being left with debt from a bad relationship. I contacted each of the credit bureaus and asked them to remove these 2 negative items early off my credit report since both are almost at the maximum amount of time that it can remain on my credit report. I also asked all 3 credit bureaus to remove all the late payments that related to me having to file the XXXX XXXX bankruptcy since all of them are approaching the 7 year mark. Im asking for their removal because all are scheduled to be removed throughout this current year and I would like my full credit back and I have paid the price for these mistakes for long enough. I would like to buy a house this year and these marks will cause me to pay more interest than necessary. Im also still getting declined for unsecured credit cards because of all these negative marks. I feel that my credit history over the last few years has shown that I have overcome my previous issues and its unnecessary to keep punishing me for things that happened so long ago. I dont feel that its fair to continue to punish me and hold part of my credit hostage for such old items.
Consumer complaint received 2021-04-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Avadyne Health Holdings, Inc (IA)

On XXXXI received correspondence in the mail from H & R Accounts , Inc that violates several of my federal rights. On XX/XX/2021 I sent a notarized affidavit with exhibits to highlight the serious violation of federal law that this company committed. I intend to pursue this matter to the fullest extent of the law being that this company violated my rights and federal law in the process. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that H & R Accounts , Inc is in violation of 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ) and 15 USC 1692d ( 1 )
Consumer complaint received 2019-01-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OH)

My name is XXXX XXXX. I believe I have been the victim of predatory lending practices on the part of Wells Fargo Home Mortgage Company, which purchased my home loan in XX/XX/XXXX. My home loan, upon a modification by Wells Fargo, went from {$43000.00} to {$52000.00}. In addition, the maturity date went from XX/XX/XXXX to XX/XX/XXXX. The total capitalized amount by Wells Fargo came to {$9500.00}. I discovered a signature page in my records that went unsigned by either myself or my wife XXXX. I believe I was taken full advantage of by Wells Fargo due to my inexperience in this arena.
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2015 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TFS FINANCIAL CORPORATION (OH)

We applied for a refinance on XXXX XXXX with Third Federal. We entered the date that we requested to close on the refinance for XXXX XXXX. We submitted additional documents after the initial application and Third Federal did not communicate that they were not able to close by XXXX XXXX. Our credit was pulled, we submitted w-2s, bank statements and tax statements at a later time than the XX/XX/XXXX. At no time did they include or disclose that we would not be able to close on the date requested. We contacted them the week of the XX/XX/XXXX to find out the status and a date for closing. We were told that it would be 4 months possibly more depending on underwriting. XXXX XXXX with the XXXX office told me on Tuesday XX/XX/XXXX that half of the application had not been reviewed. I asked if anyone was going to contact us to let us know that we were not closing on the date asked and she said no why would we. An appraisal was done on the property and would not have been done, and an extra pull on our credit. Third Federal was not clear about their business practices and let us think that we could pick the date to close by posting it on the application. They also did not provide a rate lock and have no idea what the rate could be in 4+ months. It was very misleading and a misrepresentation of their process.
Consumer complaint received 2022-02-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (AL)

I notified PennyMac Loan Services of a billing error pursuant to federal law 12 CFR 1026.13 ( a ) ( 4 ) and 12 CFR 1026.13 ( a ) ( 5 ) on all past, present and future billing statements and requested documentary evidence pursuant to 12 CFR 1026.13 ( a ) ( 6 ). The letter in response to my billing error dated XX/XX/2022 did not meet the requirement for a sufficient response by federal law. My request for documentary evidence was accompanied by an allegation of an error under 1026.13 ( a ) and a request for additional clarification under 1026.13 ( a ) ( 6 ), which should have triggered the error resolution procedure, instead I am being ignored and PennyMac is willfully neglecting to do their job. PennyMac did not address the billing error in their correspondence to me nor did they conduct a reasonable investigation to resolve the problem. PennyMac failed to deliver a written explanation setting forth the reason why they believe the billing error did not occur as asserted and failed to comply with the error resolution procedures set forth in 1026.13 ( f ).
Consumer complaint received 2021-04-14
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: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/XXXX, my partner started complaining of cold-like symptoms that may or not have been COVID-19 related. Deciding to be cautious, we decided that we would like to cancel our SCUBA-diving trip ( scheduled for XX/XX/XXXX ). I emailed XXXX XXXX XXXX on XX/XX/XXXX about the issue and asked for a refund XXXX {$290.00} ). I received no response from XXXX XXXX so I called again on XX/XX/XXXX and spoke to an employee who said the owner was busy but he would convey my message. I again received no response from the owner until weeks later after I filed a credit card dispute with HSBC. The owner essentially called me a low-life and asked me to refer to the service agreement. I did refer to it, and it doesn't include clauses for COVID-19, which is understandable! This is a difficult and unprecedented time for everyone. We are a military family, not trying to XXXX anyone. 

We thought that given the circumstances of COVID-19, the owner of the dive company would at least attempt to provide us another date to dive, if not provide a refund. The alternative would have been going on a dive boat while I partner was feeling sick and freaking everyone out and possibly getting them sick! 

I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. HSBC simply responded it would look into the issue and contact me. I never received any contact from HSBC almost four months after the fact. 

My partner was tested for COVID-19 on the earliest possible date she could, XX/XX/XXXX. The results were sent to XXXX XXXX XXXX and HSBC. I submitted my emails to XXXX XXXX XXXX ( which I never received a response to ) to HSBC as well.
Consumer complaint received 2022-02-13
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. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once