davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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 am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-19
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: Exeter Finance, LLC. (PA)

Recently, I have received my credit report and seen that I had 9 hard inquiries that I have not filed applied for. Which are listed below and all of these are for an auto loan which I did not applied. I tired contacting all companies below with dispute letter, asking them to remove the hard inquiries the companies had added to my credit report and I have not received a answer back or nothing has changed on my credit report. 



XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX XXXXXXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX  - XX/XX/2017 XXXX - XX/XX/2017 EXETER FIN - XX/XX/2017 XXXX XXXX - XX/XX/2017
Consumer complaint received 2018-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NV)

XX/XX/XXXX RE : M & T BANK QUESTIONABLE UNETHICAL BUSINESS PRACTICES Residential Mortgage Loan Pay-off Date : XX/XX/XXXX M & T BANK ML # : XXXX LIEN RELEASE INSTRUMENT # : XXXX DATED XX/XX/XXXX County / State : XXXX County, NV Dear Consumer Finance Protection Bureau Support : Subsequent to the above-mentioned mortgage loan pay-off, we requested the stamped Paid Mortgage Note and a copy of the recorded Lien Release Instrument numerous times without success. All required Residential Mortgage Loan Pay-off fees/charges were paid in full through Escrow, XXXX XXXX XXXX XXXX XXXX ( File # XXXX ) as of XX/XX/XXXX. 

On XXXX ( @ XXXX XXXX PDT ), XXXX of the M & T Bank Residential Mortgage Department ( XXXX ) disclosed that 1 ) pursuant to State Law , M & T Bank must record the pertinent Lien Release within 30 days of the mortgage pay-off, 2 ) M & T Bank will NOT provide us with a copy of said Lien Release and 3 ) we must contact the XXXX County Clerk directly to submit the appropriate fee ( s ) to acquire said copy of the Lien Release. 

We have purchased and sold numerous real properties since XXXX and never had this situation occur whereby a lender & /or the assigned mortgage loan servicing agent does NOT provide the above-mentioned items upon mortgage loan payoff. 

Kindly assist us in our efforts to acquire the above-mentioned stamped Paid Mortgage Note and a copy of the recorded Lien Release Instrument. 

M & T BANK Contact Information M & T BANK Residential Mortgage Loans XXXX XXXX XXXX NY XXXX XXXX M & T Bank Headquarters XXXX XXXX XXXX, President and Chief Operating Officer XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Thanking you in advance for your responsiveness and assistance. 
cc : Complaint Submitted XXXX of XXXX  New York XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2017-11-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I fell on hardship due to health issues, XXXX, XXXX, etc ... 
I was n't able to do my taxes for XX/XX/XXXXand XX/XX/XXXXmy accountant is working on XX/XX/XXXXnow I requested for a week calling everyday BOFA and they refused to provide me with the XXXX form everyday i spent minimum of 3 hrs on the phone, costumer service to foreclosure, foreclosure to customer service back and for 2 to 3 time every phone call costumer service claimed that the can pull up, the form because i 'm on foreclosure, and foreclosure they do n't have it, so i can not finished my taxes to apply for loan modification furthermore they cheated me on this heloc at the time of the signing i specific asked if the term of the loan will change after 10 or 15 years and she told me NOT I was paying interest only and suddenly my payment jump from around 1K to almost 3K they never notified me of this changes nor explained that indeed the term of the loan changed after 10 years They are crooks and thieves Thank you
Consumer complaint received 2018-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TN)

XXXX-18 Got notification on both my XXXX and XXXX  credit reports that my SLS Mortgage balance had been increased by {$8100.00} total on XXXX  and by {$8200.00} on XXXX. 

I have not received any description or notification from SLS and have submitted prior complaints about them changing my payments, rates, and then reporting me 120-150 days delinquent. 

I have all receipts showing all payments were sent and received on-time by me thru XXXX XXXX and received by SLS electronically on same day. 

My credit reports both have been negatively affected by these errors and I have again notified the XXXX  of Colorado, since these issues had occurred many times, and then corrected after my legalized complaints with all evidence and proof of payment.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Every time I try to get my annual credit report online, I some how get a " technical error '' and have to mail in the forms. There is no way all 3 bureaus have an issue. They are  making it harder for me to get my information. This is frustrating, against the law and I wo n't stand for it.
Consumer complaint received 2017-11-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (CA)

I got a letter from XXXX XXXX in The state of XXXX. Who bought my old credit card debt from XXXX XXXX . The debt is not even on my credit report anymore. They said I owe over {$5000.00} and want me to pay the whole amount or will do a judgement against me. The debt I did have with XXXX XXXX but the debt is 9 years or older.
Consumer complaint received 2022-07-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

Please be advised that a large number of employees at CashCall Mortgage, under Impac Mortgage Corp XXXX id # XXXX have held a long secret, which is churning mortgage refinance applications over and over. I have seen this occur since before 2016 and I do not feel it is fair to the American public or to GSE 's like XXXX XXXX and XXXX XXXX and it is time that CashCall and key violator loan officers at CashCall be held accountable. The managers would look the other way when they knew loan officers were " retreading '' mortgage refinance applications. Shiesty loan officers like XXXX XXXX XXXX XXXX id # XXXX would use his cellular phone so that no call could be recorded showing he solicited the client in order to avoid issues with XXXX XXXX and XXXX XXXX. He also hired his wife to call out and solicit and churn loans over and over every 6 months some loans every 3 months. The matter was brought to the attention of VP at the time, XXXX XXXX and he sweeped thee issued undre the rug due to XXXX XXXX 's seniority at the company. Later, XXXX took XXXX applications with client 's confidential information and solicited clietns that CashCall refinanced while he worked at XXXX XXXX, then at XXXX XXXX and now where he is working at XXXX XXXX XXXX XXXX XXXX. There were other violators of the comapny 12 month retread policy ( to keep things smooth with XXXX XXXX XXXX but many of the managers looked the other way when guys like XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX to fatten their pockets while costing XXXX XXXX and XXXX XXXX money , but by far the biggest offender and most unethical, cunning mortgage loan officer of all time that anyone will encounter is XXXX XXXX XXXX I assure the CFPB if you investigate this mortgage officer 's history, obtain a warrant to search his home or computers you will find that he has confidential borrower information including social security numbers, date of birth, addresses and names illegally obtained from every company he has worked at.
Consumer complaint received 2021-04-13
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: National Credit Systems,Inc. (GA)

Account name : National Credit system. 
Amount : {$4200.00} I've never heard of this company. I've never done business with this company. I don't have any contract signed with the company. I believe that this is a scam.
Consumer complaint received 2017-11-16
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: Experian Information Solutions Inc. (NC)

The loans being reported are past the statutes of limitations. They are between XX/XX/XXXX and XX/XX/XXXX and should no longer be reported on my credit report.
Consumer complaint received 2022-06-20
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. (PA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and XXXX account # 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
Consumer complaint received 2018-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

On XX/XX/2018, I called EQUIFAX to cancel my existing plan to re-enroll in the same at a lower price ( from {$29.00} to {$19.00} as advertised ). During the call, the agent asked for my credit card number, which I provided. I then asked what was the purpose of providing the number to which she replied that she needed it to initiate the new product which would result in a charge of {$19.00}. about 15 minutes into the call, the agent advised that systems were slow and asked me to bear with her for a moment longer. During that time, I checked my credit card statement with account associated with credit card I provided and saw that my account had been charged {$19.00}. After reviewing my statement, I immediately logged back into my EQUIFAX account only to find that my product had not been activated. By this time, the length of the call had reached 36 minutes and what I expected to be a simple transaction, turned into a billing issue.I allowed the agent a chance to rectify the issue but after 20 minutes, I desired to speak to a supervisor. At 56 minutes into the call, man who stated his name was XXXX with employee ID as given, is XXXX, advised the charges were initiated as an attempt to activate the product / plan under new rate of {$19.00} but failed due to an unforeseen authentication error. I demanded the reason for the error to which XXXX stated he was not aware and that the charges were pending and would be voided within 24 hours of the time stamp of the call. Transaction ID as given by XXXX is XXXX with initial timestamp of XXXX, XX/XX/2018. I expressed my frustration and requested a free month of service for the aggravation to which XXXX replied that executing such a request was beyond his authority. I immediately launched this complaint with claim upon which relief MUST BE GRANTED on grounds of discourtesy and and mismanagement of my account. The desired outcome is a full 3 months of premium free service.
Consumer complaint received 2018-11-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX has been non-compliant with removing the unverified account BANK OF AMERICA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BANK OF AMERICA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WI)

I called in to ensure my XXXX Grant was converted to a loan. However, after it was finally converted, my payment plan for my federal loans was somehow changed to a standard 10-year rather than the extended I had it on. I called in again to have my payment plan fixed back to the extended plan and was assured that would be taken care of. I also requested an investigation be taken to find how my loan plan was changed without my authorization. I was later informed that it was automatically triggered by my conversion of the XXXX Grant -- although I had to call again to obtain this information as XXXX did not supply it as requested. I also requested that my XXXX Grants be scheduled for payment rather than staying in the grace period. I was assured that was also taken care of and placed on a 10-year repayment plan. This was per my phone call with XXXX ( emp. ID XXXX ) on XX/XX/XXXX. I requested my XXXX   Grant start getting paid down around 19 minutes into my phone call. 

However, I decided to double-check this around XX/XX/XXXX. My automatic payment plans were removed and I was placed on an administrative forbearance due to an error on XXXX ' part.The XXXX   Grant was also still in grace and no payments have been scheduled to be withdrawn for that balance either. I sent written notice of these errors before XX/XX/XXXX. 

After calling back on XX/XX/XXXX and XX/XX/XXXX, I was informed that I had been misinformed about being able to have my XXXX  Grants put on an automatic payment until the grace period was over. 

A letter mailed XX/XX/2018 also shows that after paying off two of my loans, my payment plan was again changed without my authorization. Rather than staying on my extended repayment plan, my loans were automatically placed back on the standard repayment plan once again. 

My complaint deals with the ethics of XXXX and how they are managing my account, especially in conjunction with how their mishandling may be costing me more money in interest. I should not have to call in every time to change my payment back. The many hours are a waste of my time when they are making money off of me. My complaint also deals with their unauthorized changing of my payment plan without permission and their response that there is nothing they can do about it because it is automatically generated by their system. The reality is that it is an unethical practice -- especially when I had been previously informed that when I paid off a loan, the current loan payments would be deducted from my current plan and I would be paying LESS, not MORE than my current amount. That was a lie, as my plan was not changed to accommodate the two fewer loans I had paid off ; the loan plan itself was changed to a completely different plan and I had been given faulty information again.
Consumer complaint received 2018-11-19
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: ALLY FINANCIAL INC. (GA)

XXXX has been non-compliant with removing the unverified account ALLY FINANCIAL XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that ALLY FINANCIAL was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-19
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: GRANITE STATE MANAGEMENT & RESOURCES (GA)

XXXX has been non-compliant with removing the unverified account GRANITE STATE MANAGE XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that GRANITE STATE MANAGE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-19
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. (AR)

I have sent several letters via USPS Certified Mail requesting  that the credit reporting agency remove an unverified account from my credit report ( XXXX XXXX XXXX ). I have not received a response to any of my letters. I have sent a total of 4 letters to them over the last few months.
Consumer complaint received 2018-11-19
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: Experian Information Solutions Inc. (AR)

I have sent several letters via USPS Certified Mail requesting that the credit reporting agency remove an unverified account from my credit report ( XXXX XXXX XXXX ). Each time I send a letter, they send back a copy of my credit report and a statement that says : " Our investigation of the dispute ( s ) and/or other request ( s ) you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to verify the accuracy of the information and provide us a response to your dispute ''. 

I have sent a total of 4 letters to them over the last few months. The account has not been verified or removed from my credit report. I have not received any documents or other information that proves the accuracy of the account as I requested.
Consumer complaint received 2023-03-24
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. (FL)

In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights. XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX 15 U.S.C 1681 section 602 A., state I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2018-11-19
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: Resurgent Capital Services L.P. (GA)

XXXX XXXX XXXX {$540.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no contract, no valid claim ... account was settled ... I want it removed. 
Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
You can not collect a debt twice, and XXXX XXXX stated that this is inaccurate, and your records are faulty or needs updated.
Consumer complaint received 2023-03-24
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-01
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: Santander Consumer USA Holdings Inc. (NE)

The credit bureaus are reporting a closed account with Santander Consumer USA. This is not my account. I have disputed this account several times with the credit bureaus and the creditor. This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2017-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX I deposited a check for XXXX on XXXX XXXX, they put a hold in the ck for 10 days on the XX/XX/XXXX the money was supposed to be released, but the money never was added to my balance, the just add the number to the estatement but not the money, they refuse to credit my money back
Consumer complaint received 2017-12-23
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. (PA)

Pursuant to FCRA The unverifiable items listed report still remain in violation of federal law. They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) and sections 611 ( a ) ( 1 ) ( A ) .. ( consumer contract with any signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA- you are required to ... properly delete all information which can not be verified