davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I received notice of Servicing Transfer with some major errors from XXXX mortgage and LoanCare. XXXX would not take my call and LoanCare can not help until XXXX more days. 

The letter received XX/XX/2019 but dated XX/XX/XXXX from LOANCARE stated that there was going to be a change in my loan number. Letter received XXXX XXXX, 2019 from XXXX did not say anything about a change in loan number. 

The letter from XXXX MORTGAGE did not provide the correct address to send payment. When I finally received the official welcome package from LOAN CARE it specified a different payment address. 

As a result of these errors I sent my ( ON TIME ) payment to LOANCARE with the incorrect loan number and to the incorrect address. The payment was sent online from my banking institution and has already cleared my account.
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. (NJ)

I am submitting this CFPB Complain to dispute the presence of fraudulent items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion of inaccurate, incomplete, or unverifiable information from my credit report. Upon reviewing my credit report, I have discovered several items that are the result of fraudulent activity. These items were not authorized by me and are therefore inaccurate and should be removed from my credit file. Specifically, the fraudulent items I am disputing are : U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  PA ) XXXX Balance : {$870.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$810.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$830.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I have taken the necessary steps to report the fraudulent activity to the appropriate authorities and have provided documentation of the same. I request that you investigate this matter and remove the fraudulent items from my credit file as soon as possible. In case you hold the belief that the contested items are rightfully mine, I request that you furnish me with copies of the supporting documents for your claims. If no such documents exist, it is imperative that you promptly remove the fraudulent items.
Consumer complaint received 2019-10-02
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. (TX)

XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2023-04-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-13
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account 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 XXXXk XXXX XXXX, City of XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX # XXXX 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 an account without my written instructions.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2019-05-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ray Klein, Inc. (OR)

On XX/XX/XXXX at XXXX I received an email from my brokerage informing me that they had received a Writ of Garnishment for XXXX from Ray Klein , Inc. dab XXXX XXXX XXXX XXXX I was blown away as this was the first time I had been notified of any debts with a Ray Klein , Inc . I immediately contacted my legal membership and had an attorney pull and review the file. He told me that the file did look like a legally obtained judgment obtained by default on XX/XX/XXXX. He told me the original debt was a series of accounts totaling {$2000.00} back in XXXX. He told me the collection company had hired an attorney and I should contact the collection company in an attempt to remedy this. I did contact Ray Klein , INC . They told me the only way to remedy this was to pay the amount in full and that due to interest the amount was now {$9000.00}. I requested proof that this was even my debt and proof of service and they told me that they did not have to give me anything. A few days later I went to the local courthouse and got a complete copy of the file. A man named XXXX XXXX, process server, for XXXX XXXX XXXX, XXXX. swears under oath that he personally serviced me at XXXX on XX/XX/XXXX to an address that I did not reside. On XX/XX/XXXX XXXX XXXX XXXX XXXX denied a motion of default, due to documentation not meeting requirements of court rule 5.061 ( 6 ). Then there is a default judgement entered. Now a Writ of Garnishment for $ XXXX more money. The file seems poorly put together legally. I'm very angry that I was never properly served and no other notification to me in nearly 10 years. I'm sure Ray Klein, Inc. gets away with this type of practice often as in my search for  answers regarding this matter I have come across other consumers who have fallen victim to this same method of garnishment.
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (MI)

I received a debit card from Citibank on XX/XX/2022. I called Citibank to report that I did not request a debit card and do not have an account with them. After being transferred three times, no one could seem to help me. I reported to the XXXX XXXX XXXX, and put a fraud alert on my credit report. I could see that they ran a credit check through XXXX. Today, XX/XX/2022, I received a book of checks. I called Citibank again. This time, I was connected to the fraud department. The gentleman on the phone refused to give me any information, but did state that they would open a fraud investigation. I still have no information about how or when this account was opened.
Consumer complaint received 2019-05-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Nationwide Biweekly Administration, Inc. (NM)

Nationwide Biweekly took money out of my account and I asked them to cancel my subscription and refund my money and they have not made the mortgage payment nor have they refunded my money. They have also taken down their website, shut down their phones and they are not answering emails sent to their customer service email address. They owe me {$2000.00} XXXX {$1000.00} for each of two properties ). I think these people are total scam artists.
Consumer complaint received 2019-05-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

as of XX/XX/19 my credit score was XXXX this came to light -- the result of ==home equity loan app -- my only outstanding loan is a second mortgage on my home -balance {$8500.00} -- -All my bills be it utility-credit-mortgage-auto-home etc are paid thru the auto pay system-my credit cards are paid in full every month again thru the auto pay system I have no outstanding debt -- sans the home equity-I have not paid one dollar in interest in twenty years- This may sound- on the face of it-Silly-but -- I purchased something at XXXX with my XXXX charge card -- -this is also auto pay -- they asked if I wanted to apply for the XXXX/XXXX card- I did -- here is the stone in my shoe -- -- I WAS DENIED -- REASON -- -NUMBER OF CREDIT BUREAU INQUIRIES. 
Now -- I was shopping for the best rates in mortgages-equity loans or any other source of funding in order to purchase a Florida Condo -- -It seems to me -- - to avoid the inquiries we are forced to accept the first quote -- avoid the competition and move on -- -Remember I did not purchase -- -accept or was I promised any product -- I was Shopping-Window Shopping -- -Next time my wife window shops I will try to reduce the credit line on her card -- -- This new out-fit -- CFPB is protecting whom from what? 
Some poor slob with a borderline credit score shopping for cruise -- airline -- hotel will have his credit score reduced to maybe, an F -- I don't know where this goes or does anyone care-but this is an outrage -- -I will bet If I can find the fingerprints there is a DODD-FRANK or some other XXXX XXXX behind this abomination-
Consumer complaint received 2019-05-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CITIBANK, N.A. (WA)

I applied for a CItibank Secured  card on XX/XX/2019. The application ID was XXXX. 

On XX/XX/XXXX, Citibank debited {$1000.00} as security for my card. On XX/XX/XXXX, I received a letter stating that the account had been approved and a card was issued, along with the last four digits of that ISSUED card : XXXX. The letter stated the card would arrive in 7-10 days. As of XX/XX/XXXX, the card had not arrived. I called the toll-free number and the first agent told me that the card was never sent out, they had a problem with the card manufacturer. The second agent, a supervisor, told me the card was printed and should be arriving on XX/XX/XXXX. 

It is my understanding that this is one more way for Citibank to make money ... by delaying the issuing of the card, they can " sit on those funds '' and earn interest. While they've kept my money for three weeks, I've received no access to those funds. I was then threatened that if I canceled my card, it would take at least THREE WEEKS to return my money - so effectively, I am stuck. They will have my money on hand for a month and maybe, I will actually get the card. 

I asked to have the card sent overnight since it hasn't gone out yet and they said it " Must go by mail to establish residency '' I explained I already have another Citibank card at the same address and therefor residency, and my profile are established. I was told that didn't make any difference. Then she told me the card had been sent today after telling me it wasn't sent at all. 

I have zero trust that Citibank will be helpful. I would like a copy of this forwarded to the Comptroller of the Currency as well as my understanding is that a financial institutional can't withhold funds. 

I sacrificed to part with {$1000.00} of my money to help work on my credit. I have an XXXX XXXX XXXX son that I support and now have nothing to work with as my card hasn't even been sent yet. How can this be legal? 

There was no disclosure telling me that I wouldn't have access to my funds through my card for any more than the stated 7-10 days. By the time I get this, I will have been without access to my money for a month.
Consumer complaint received 2019-05-03
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: Experian Information Solutions Inc. (FL)

There is a repossession account reporting against me that I did not open from a company named XXXX XXXX and I was a victim of fraud. I disputed the account and made the bureaus aware of this and when i disputed instead of removing it they added 6 new 30 day late payments to ruin my credit rating. Please see my before and after screen shot of disputes in attachments. XX/XX/2019 is before and XX/XX/2019 is after.
Consumer complaint received 2022-03-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings (TX)

I called the company to see what loan was taken out with my information. I received a letter in the mail stating that I had a loan that needed to be paid back, I did not apply for a loan in the amount of {$930.00}. They confirmed that my information was used, I asked for the email on the file, which they refused to give it to me.
Consumer complaint received 2019-05-03
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: EQUIFAX, INC. (PA)

I placed a lift of the freeze on my account with Equifax and was told that I would receive a confirmation with my pin for future use. The pdf I received did not have my pin, so I called the number Equifax provided if I did not receive it. I then got a run-around by the Equifax representative who asked me a bunch of questions about my credit history which she claimed I did not pass because it did not match my credit report. So, then I asked for my credit report and was told I would have to mail in a request with a bunch of personal information. 

This system places an undue burden on consumers, especially since the company has been found to be lax in its security and now wants me to go to the trouble of sending in more personal information that can fall into the wrong hands. The questions I was asked had to do with mortgages I had years ago and I should not be expected to remember. If this is complying with the requirement to provide consumers with a free annual report, there is something terribly wrong with this system! 

All of this is remarkable given that I was able to lift the freeze on my account but was not able to get some basic information about the account.
Consumer complaint received 2019-05-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

My Ditech loan is set up for automatic payments out of my checking account. I received a past due collections letter from Ditech dated XX/XX/XXXX. I checked my secondary checking account that I use for this payment and the XX/XX/XXXX payment had not been deducted from my account. I call Ditech to see what is going on, the agent couldn't locate my account. She was finally able to find some information and told me that my account was given a new number and I should have received a letter stating that I didn't need to do anything and that the payment would come out automatically as usually. I told the agent the payment didn't come out of my account and asked if she could take it over the phone. She said I could not, but advised me to call into the automated system and make a payment. The automated system stated it had received a $ XXXX payment, but that couldn't have been right. I made the payment for $ XXXX and received a confirmation number. However as of XX/XX/XXXX, the payment still has not been deducted from my checking account. Now they are reporting me past due to the credit bureau for {$660.00} payment. Ditech VRU/automated system has a record of my payment, but also says I owe a payment of {$1300.00}. I've called Ditech 10 times  asking for help, but they can't help me because they don't see my full information. I've disputed the credit bureau report, but I'm fearful this may cause them to put me in foreclosure. I've never missed one payment with either of my mortgages ( over 18 years ).
Consumer complaint received 2019-10-02
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. (GA)

A few months ago I discovered items being reported to my credit that were not my items ; after reporting them to your office, several of the items were deleted ; however, there have since been new items added to my credit that should not be on there. A police report and FTC contact has already taken place, I'm reaching out to you all again for help. Your help in deleting these items as soon as possible is greatly needed. XXXX XXXX, XXXX, US DEP ED, US DEP ED ( accnt # XXXX ). XXXX XXXX, DPT ED/XXXX, XXXX XXXX, DEPT OF EDUCATION/XXXX.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX XXXX Account # XXXX Late XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Account # XXXX Late XX/XX/XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d )  ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; You reported transactions on my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! 
69 The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! 
Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on my credit file Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 
Further more 15 USC 1666b ( a )
Consumer complaint received 2019-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XXXX XXXX levied by bank account with XXXX XXXX XXXX for over {$5900.00} which was all the money I had to live on as a XXXX and XXXX Veteran. They claimed that they bought a " discharged '' debt originally owed by XXXX XXXX/ XXXX who charged off the debt in XXXX and received a tax credit from IRS ( {$4000.00} ) and then sold this old discharged debt to XXXX XXXX in XXXX for pennies. XXXX XXXX filed a civil suit and never serve me and got a default judgment in XXXX. Now 5 years later they secured a Writ to levy my account which they have and now I do not have any money to live on. 
I contact XXXX XXXX and spoke to XXXX XXXX at XXXX-XXXX-XXXX who was very rude and said she didnt care about my situation and said that I needed to pay them the full balance of {$13000.00} or they would come to my house to collect the money. I told them I didnt remember having any credit account with XXXX XXXX/ XXXX but she didnt care and in fact said that is my problem and didnt have any information about the type of debt it was. XXXX XXXX XXXX will not release back my money without XXXX XXXX authorizing so I can not my mortgage or buy food or medication I need for my XXXX.
Consumer complaint received 2019-05-02
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: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY ITEMS.
Consumer complaint received 2022-03-13
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. (GA)

in accordance with the Fair Credit Reporting act 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