davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-11
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)

Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX fl XXXX
Consumer complaint received 2018-09-11
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Ditech Financial LLC (CA)

I received a letter from Ditech Financial, LLC dated XX/XX/XXXX that said they were in the process of reviewing a written request from me. Their research has not concluded. They stated the letter was to notify me of their ongoing investigation in an effort to provide me with resolution. 
Below that the letter stated thee communication is from a debt collector. It is an attempt to collect a debt, and any information obtained will be used for that purpose. Farther below on the bottom of the letter it had a note that said " Forward Progress-Written Request, XX/XX/XXXX. 
It gave me a number to call which I did ( XXXX ). The person that answered said the letter was to get me to call about refinancing. I described the letter and said that so you send me a letter describing that there is an issue with my credit ... .and that I have made a written request to resolve so that you can try to get me to refinance - his answer was " yes ''. I had previously told him that I was not interested in refinancing but then after he confirmed the unethical practice they were using with the letter I told him that I may now consider refinancing with another more ethical company. 
This type of solicitation should be illegal!
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Card XXXX XXXX XXXX XXXX, DE XXXX XX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with yout company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2022-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I Purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XX/XX/XXXX ; Successfully financed the vehicle w/ Capital One ; whom I also have a credit card with. 
Successfully enrolled the new Account in AutoPay w/ my credit union : XXXX XXXX XXXX As well as w/ Capital One Auto Finance XXXX 
Payments were scheduled for the XXXX of each month & ran On-time & w/o issue for ( 4 ) months from XXXX Until, XX/XX/XXXX the AutoPay was halted. 
I checked w/ my Credit Union about the situation ; I have the Capital One Credit Card & the Capital One Vehicle enrolled in the AutoPay program w/ XXXX XXXX XXXXXXXX XXXX 
The AutoPay for the credit card was not halted or affected ; just the vehicle. 
They chalked it up as a mistake/glitch in the system. XXXXWe made payment & Re-Established the AutoPay for XXXX to Capital One for the vehicle. 
XXXX verified that Capital One canceled the payments from the receiving end. 
I did not request nor submit a cancellation. 
XXXX, Capital One canceled the AutoPay for the vehicle again.! But, The AutoPay for the Credit Card remained untouched & I un-disturbed. 
I verified w/ XXXX again about the cancellation of the AutoPay & its set up ; they verified that it was an external action.

Re-Established Automatic Payments for the Third time to the same financial institution. 
No Lack of Funds.

No Change of Personal Information.

No Change of Account Information. 
Capital One Issued a Repossession & sent a tow truck whose driver stated that Ur the the 5th person today who says they had their vehicle setup for AutoPay & Im Repon it. 
When I attempted to contact & resolve w/ Capital One, they told me that they could not speak w/ me due to having a cease & desist letter ; then hung up the phone. 
I contacted the Indiana Attorney General about the situation ; within 30 days I received a package from Capital One Admitting to & Listing Everything except the details of the AutoPay setup, receipt or the cancellation of Recorded Automatic Payments to the Vehicle Account. While there remains No Issue with the Automatic Payments from the Exact Same Financial Institution ( XXXX ) to the Same Financial Institution ( Capital One ) for the credit card.?! 
Capital One Stole & Sold My Truck.!! 
Causing Detriment to my Business ( XXXX XXXX XXXX XXXX ) as well as my Personal life & circumstances. 
I Thank You, in advance, for your efforts & energy towards the rectification & resolution of this situation.
Consumer complaint received 2019-08-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (LA)

I am currently receiving multiple calls per week at my job from Tower Loan. They have continuously called my school, as I am an XXXX, even though my account is current and NOT past due. I have contacted them multiple times and told them to not contact my workplace, especially if my account is current, but they have continued to call. This is due to a lack of organization on the part of the business. They have also mistakenly contacted me regarding other customers accounts.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

my SS was stolen and i have taken the necessary steps to alert all credit agencies and to freeze my credit. 

When I tried to log into Experian to do these steps, i got an alert that my account was set up under another email that is not me! When I try to reset the Experian account, it indicates it is sending the info to the hacked account ( with pin ). 

I have called all the numbers available ( during scheduled business hours ) to let Experian know someone now has set up a false account under my name. and I can not speak to anyone in person! Its unreal and alarming. why cant experian have someone to talk to in person?! Especially when dealing with fraud I have attached the screen shot of the fake email that is not me!
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-05
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (IL)

Discover Card Services : Being on a card assistance program that has not delivered on its promise since XX/XX/2016. Been reported late with the credit agencies, when I could be as was discussed back in XXXX and being charge late fees also that should not be there, all my progress in paying my debt was reversed and charge back to me. Any help, thanks.
Consumer complaint received 2015-12-19
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (AZ)

Please refer to the previous complaint submitted to CFPB. Case number : XXXX. Discover Bank official who responded to it few days back is lying. Today I received an email message via the secure message center and also spoke to Customer service at XXXX. I was told told in both the communications ( email and telephone ) that i will be getting the promotional bonus. 
XXXX XXXX to XXXX XXXX talked with XXXX. 
Confirmation # XXXX. 
called at XXXX Called from my cell phone XXXX XXXX confirmed the promotion code and all the details with me and she told me i will be getting the promotional bonus of {$100.00} on XXXX/XXXX/2015. Let 's see how much DFS keep up their words.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

I contacted Experian on XX/XX/2022 to remove comments from my accounts due to a pending mortgage and the mortgage company wanted them deleted. The representative did not remove the dispute comments and also opened new disputes which caused my credit score to drop XXXX. Called back XX/XX/2022 for resolution. Also requested to have an account deleted which has reached its 7 years statute of limitations. The representative stated that the date of delinquency changed and the date of deletion has also changed. I want this situation rectified
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc. (CA)

Seterus Inc. using deceitful tactics to get an extra payment on my mortgage. 
I am trying to sell my house. The title company sent a document for me to sign requesting Seterus company ( XXXX mortgage ) and XXXX ( XXXX mortgage ) to release payoff documentation on XXXX XXXX. XXXX XXXX sent the information within a day. Seterus company sent a confirmation that they received the document. The Title company never received the payoff document. 
We called today as we had not received anything and were told they had to confirm with me because it was not clear and the form did not have the word " release '' ( the form I used said " furnish the title company with the pay off quote '' ). Bottom line, it would take 2 weeks from today ( 10 business days ) to receive this document. That means my closing will be delayed 3 weeks and at that point a new mortgage payment will be added. 
I called in the afternoon to request a payoff sent to me so at least the title company can start working with the numbers and I was told I was not " eligible '' for a payoff request (??? ). I requested to speak with a supervisor and I was yelled at saying what part of no I did not understand and that a supervisor would tell me the same thing.. I was put on hold and then she hung up. I called again and was told the pay off request for the title company had been cancelled ( I assume the representative that yelled at me did it out of spite ). Thankfully the new representative XXXX XXXX was very kind and put it in the system again to order the payoff. Now it remains to be seen if I get one or not. 
I would also like to let you know that the last 2 years they have failed to pay the homeowners insurance on time, had the policy cancelled on me, and both times my policy went up because of it ... money that Seterus made me pay by increasing my monthly payment to cover the escrow deficit.
Consumer complaint received 2021-06-09
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)

Several disputes have been submitted regarding these accounts since XX/XX/2020. You can not validate a debt without following the proper validation laws. According to FCRA 15 USC 1692g, a debt must be validated within 30 days. Validation of a debt is an assess of action and the debt is not mine and it is not true. Also, according to 15 USC 1681 a ( e ) to validate a debt is to interview family, neighbors and associates of this debt who may have knowledge of this account but specific factual information does can not be mentioned.
Consumer complaint received 2018-09-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (IL)

To whom it may concern I had apply for a loan with prosper because I got a approval letter. 
I completed the application information on line I instantly got approved for XXXX Out of those I only request XXXX there was already a fee XXXX so it let me off with only XXXX and it was supposed to be deposited to the account within 14 days or earlier. 

I have verified all my personal information and answered all my personal questions and information such as credit questions they ask me like 10 questions I believe I answer each of the questions correct such as if I had any other credit cards and loans and a car I had recently paid off or finance and even my daughter name. I answers all questions asked from them. 

After everything was ready to go I received an email as I was using my stepson email which is XXXX and XXXX I dont have an email created for my self yet because I did not think its necessary. 
Wen I saw this message on the ema I called them back and got very angry and dissapointed. I ask the lady representative to tell me why all suddenly got denied after everything was finalized and I signed the contract online everything was ready to go and supposedly I was receiving the funds to my XXXX bank account within 14 days or sooner. 
Than the lady said to me that she wasnt supposed to tele the reason why they change their minds. And than I ask her if this was a XXXX act thing because XXXX XXXX. They humiliated me and treated me like garbage who on earth would do that to. Borrowed after sumbmit all documents and got approved and than denied me she also mention that they believe that I was lying about my personality and my information in other word that I was not the person who was me XXXX XXXX full name is XXXX XXXX XXXX I even sent them a state of Illinois ID to verify my identity and also sumbmit them my United States of Americas passport I a legal person here in the USA and Im a XXXX XXXX I feel like they treated me like garbage and humiliated me because Im XXXX
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (PA)

I have an account on my credit report that has been on my credit report goin on 10 years. I called Equifax to have this item removed because of the amount of time on my report exceeds the 9 year requirement. I have had it removed from XXXX without any issues, and Equifax refuses to help me in anyway. I just do n't understand how a company that has so much control over our finances can be so inconsiderate to XXXX an important issue.
Consumer complaint received 2022-03-08
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. (MI)

It's been so agitating waiting for TransUnion 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries I am disputing. 
XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX  XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XX/XX/2020
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

According to information presented at XXXX the XXXX HSBC Settlement agreement addresses HSBC 's alleged misconduct regarding its mortgage servicing and foreclosure practices. 

As outlined by the Consent Order ( XXXX ) we have not received any information about our specific HSBC loan in which multiple illegitimate foreclosure attempts by HSBC were made, trial and temp modification were fraudulent and deceptive, and gross neglect of law was commonplace with HSBC and their representatives. We defended XXXX XXXX XXXX XXXX erroneous foreclosure attempts alone on this account between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, and each XXXX of them was full of fraudulent and abusive actions. The latter foreclosure attempt was also abandoned by HSBC for over six ( 6 ) years. 

I do n't really know where to begin with informing you and others about the elongated problems with our specific mortgage mess. I can only share our information so you can get a clearer picture of the atrocities my wife, family, and I have endured as a customer of HSBC from XXXX, XXXX through to XXXX, XXXX. I can provide further evidence or information upon request. 

When we reached out to both the XXXX HSBC Settlement staff ( by phone ) and the Office XXXX ( by email ) earlier this month, they both informed me that they can not help us. They are simply enforcing information they have.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the persistent presence of fraudulent accounts on my credit report, despite confirmation from the banks over the phone of the validity of the provided documents and their commitment to remove the accounts. These fraudulent accounts must be promptly removed in compliance with the law. 
Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (FL)

Im a XXXX veteran who informed Dovenmuehle XXXX XXXX XXXX as early as XX/XX/XXXX that I was in forbearance with XXXX XXXX XXXX while my loan was being transferred to Dovenmuehle. Ive been trying to get this problem corrected since XX/XX/XXXX. Dovenmuehle XXXX XXXX XXXX has been hurting my ability to refinance my mortgage to a lower interest rate. I have disputed this problem with the credit bureaus on at least 3 occasions. And, on at least 3 times provided proof from XXXX XXXXXXXX XXXX that I was not delinquent or past due to Dovenmuehle XXXX XXXX XXXX Research Department and Customer Service with no fair treatment and still unfair credit reporting from Dovenmuehle XXXX XXXX XXXX. I have exhausted all my efforts trying to resolve this problem. 
I was current on my mortgage payments and I had never missed a payment before being approved for loan forbearance. My mortgage company, DovenmuehleXXXX XXXXXXXX XXXX XXXX has been reporting that Im past due since XX/XX/XXXX even though the forbearance rules and this companys forbearance policy informs that there would be no negative credit reporting. My loan was transferred from XXXX XXXXXXXX XXXX to Dovenmuehle during XX/XX/XXXX. I was in active approved forbearance with XXXX XXXX XXXX from XXXX XX/XX/XXXX until XXXX XX/XX/XXXX. I was approved for forbearance in XX/XX/XXXX before my loan was transferred from XXXX XXXX XXXX to Dovenmuehle XXXXXXXX XXXX XXXX. 
I provided my XXXX XXXX XXXX Forbearance Approval letter as proof to DovenmuehleXXXX XXXX XXXX research department twice as requested. Dovenmuehle XXXX XXXX XXXX asked me to have XXXX XXXXXXXX XXXX e-mail Dovenmuehles Research department the forbearance letter proof again in XX/XX/XXXX. XXXX XXXX XXXX directly e-mailed Dovenmuehle XXXXXXXX XXXX XXXX Research department my forbearance approval letter on XX/XX/XXXX. Dovenmuehle continues to report to the credit bureaus that Im 90 days past due, not more than 4 months past due, and delinquent since XX/XX/XXXX. Moreover, Dovenmuehle will not even acknowledge receipt of my forbearance approval letter from XXXX XXXX XXXX as of this date, XXXX XX/XX/XXXX.
Consumer complaint received 2018-09-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (CA)

Since XX/XX/2018, I have received 121 calls from Clinet services Inc. The company has called me from two different numbers : ( XXXX ) XXXX and ( XXXX ) XXXX. I have no outstanding debt and there is no reason for this company to call me repeatedly. I have received as many as sixteen phone calls from this company in one day. I believe this is harassment.