davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I contacted XXXX and Transunion during the week of XX/XX/XXXX thru XX/XX/XXXX. I called in reference to inquries that i had not appointed. I told the represenative that knowing what my current credit status there was no reason for me to be applying for credit. The only reason by law for my credit to be checked is : In response to a court order or federal grand jury subpoena ; To manage the risk of current or potential credit or insurance accounts that were initiated by you ; for employment purposes, with your written permission ; for the purposes of a potential investor assessing the risk of a current obligation ; in connection with your application for a license or other benefit granted by the government, when consideration of financial responsibility is required by law ; in connection with a business transaction initiated by you ; in connection with a child support determination, under certain circumstances ; in connection with a credit or insurance transaction not initiated by you, when a firm offer of credit or insurance is extended, and certain other restrictions are met. 

None of these inquiries fall into those categories. I am asking for immediate removal of these inquiries from my credit report.
Consumer complaint received 2018-01-09
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: EQUIFAX, INC. (MS)

There are credit inquiries listed on my report that I did not authorize. I have sent a certified letter to Equifax, but they refuse to verify/investigate or remove inquiries. The inquires are : XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

A Verizon-branded credit card is issued by Synchrony Bank. Reward dollars on the Verizon credit card should be available to spend on the Verizon wireless bill. Although {$44.00} of rewards dollars are available on the Verizon credit card website at XXXX, {$0.00} of reward dollars are available on the Verizon Wireless website at XXXX. On XX/XX/XXXX, I complained to the Syncrhony Bank at XXXX, which said it was Verizon 's problem. Also on XX/XX/XXXX, I complained to Verizon at XXXX, which said it was Synchrony Bank 's problem.
Consumer complaint received 2018-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I was a student at XXXX college from XX/XX/XXXX -XX/XX/XXXX, I was given false information by recruiter stating the school offer job placement and would pay for students to receive state certification, which did not happen. I was contact XX/XX/XXXX by XXXX XXXX offering my loan to be put in the loan forgiveness plan using the income driven repayment option, and since then my account has accrued more interest which is ruining my credit by report false information to credit bureau which caused me to be denied when trying to refinance my home, while speaking to the gentleman he informed me that the school was still receiving founds for me in XX/XX/XXXX but I had graduated 3yrs prior, he told me, I need to fax a copy of my diploma showing when I graduated and they could look into it, I fax a copy and never heard anything back I tried several times to contact someone from the agency, but was place on hold until had to disconnect the call or hang up on me when I call to get information.
Consumer complaint received 2017-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PENTAGON FEDERAL CREDIT UNION (FL)

Credit application was submitted in my name. Without my knowledge. As a result credit inquiry was added to my consumer report. I have contacted Pentagon FCU on several occasions. The following date of inquiry was XX/XX/XXXX. I filed a police report XX/XX/XXXX due to identity theft and have been trying contact all companies that have had a credit application in my name.
Consumer complaint received 2018-06-09
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. (MD)

From XX/XX/2018 I have been disputeing two account with TranUnion XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX please note including your Method of Verification. I do notconsent to XXXX  or any means of automated verification. yet TransUnion allowing XXXX XXXX  and XXXX XXXX XXXX XXXX to report Verfied over and over after a re- ivestigation. also Account on my Credit report not showing the Full acoount number is inaccurate .FCRA section 611 ( a ) ( 1 ) ( A ). FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) .The credit reporting agency must give you the method of verification information within 15 days of your request.A third party database was likely used to verify the disputeditem automatically, which is insufficient. XXXX XXXX  and XXXX XXXX XXXX XXXX File have not 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 have also file a Identity Theft report with the Federral Trade Commission Report Number XXXX and place a Fraud Victim alert on all my credit report. yet they file to remove these account.
Consumer complaint received 2018-01-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN PACIFIC MORTGAGE (CA)

APM FUNDED AN UNINSURABLE LOAN On or about XXXX I applied for a refinance of my RanLife FHA with American Pacific Mortgage. I closed on the refinance on or about XXXX/XXXX/XXXX. On or about XXXX XXXX I was informed that there was an error in my title paperwork ( a date that was dated after some critical date it should have been dated before ) and all I was told was that a ) it was impossible to re-sell the loan on the secondary market (? ). I was told it was a " scratch and dent loan '' ; and b ) APM would have to service the loan itself. I paid 11 months mortgage payments to them without receiving benefit of a positive credit line. 

APM WOULD NOT WRITE OUT OF UNINSURABLE LOAN On or about XXXX XXXX, APM said they wanted to re-finance my loan to be able to " write me out of an FHA '' to drop the PMI. On or about XXXX XXXX they told me that not only were they unable to refinance me into a conventional loan ( even though I am appraised well over 80 % ). They blamed the fact that I have a HERO loan and they could not " do a conventional loan '' on the loan, but they also could not do an FHA streamline either. The rules on FHA not refinancing did not change until XXXX XXXX and HUD said any loan pulled within 30 days of their XXXX XXXX announcement would be okay for a HERO or PACE loan. APM has elected to do neither. 

FHA SAYS I DO NOT HAVE AN FHA LOAN BUT BANKS SAY I DO This brings me to my biggest legal issue ; do I have an FHA loan or not? FHA says " no '' and I have called them twice. Another lender pulled an FHA case number for me. This means I have an uninsurable FHA loan which no one ( and I am assuming APM knows this ) else will touch because its not FHA insured in the first place. Moreover, I am supposed to have an assumable loan, which it is not, and I certainly can not apply to FHA if I have a case that is uninsured.
Consumer complaint received 2021-11-05
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. (FL)

I have tried to communicate with Equifax about their inaccurate reporting on a few of the accounts listed on my profile. The accounts just show letters and numbers. This does not show anything else about the company who is alleging I owe them a debt. Federal law states that it is the job of the consumer reporting agencies to provide the consumer with fair and accurate reports. How am I to know who my accuser is when Equifax will not provide the information I seek? This is unfair and inaccurate reporting.
Consumer complaint received 2017-12-02
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. (PA)

I have disputed the following with all three CRA 's with a dispute reason of " contract cancelled '' notating " no contract '' from XXXX2017 forward. The accounts were never verified or validated by the CRA 's and no additional information was provided. 

The contracts were cancelled with the creditor and I did not sign any contract with the collection agency that they sold the account to making my liability with the collection agency null and void. 

XXXX- {$310.00} XXXX XXXX- {$310.00} XXXXXXXX XXXX XXXX - {$870.00} XXXX XXXX XXXX- {$60.00}
Consumer complaint received 2021-02-08
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. (NY)

My Name is XXXX XXXX and I have tried several times trying to reach out to Experian. They have constantly closed my complaint just made excuses on why they could not answer my complaint.This is my third time and the previous two times they have said they do not recognize the customer which does not make sense if I have provided my drivers license as well as a bank statement for proof of identity.I feel like I am being ignored
Consumer complaint received 2017-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

i have been dealing with bank america despute resolution services located at XXXX  arizona everything came from them and never was this persons at bank america ncXXXX XXXX XXXX XXXX XXXX XXXX, nc XXXX never were involved at all. letters dated XX/XX/XXXX from them state on XX/XX/XXXX the desicion was made and approved the claim. letter dated XX/XX/XXXX stated that the debit card ending on XXXX was closed and that th eaccount ending on XXXX was closed on XX/XX/XXXX. now here is the mistake or lies they have made. they stated that the withdrawls on XX/XX/XXXX of {$600.00} and the other s on XX/XX/XXXX for {$2100.00} and {$1.00} the stated they confirmed that my drivers license was used and as identification that a debit card ending on XXXX was used as identification for the transactions. 
NOW I RECIEVED THE FRAUD STATEMENT ON XX/XX/XXXX AND FILLED IT AND SIGNED IT ON XX/XX/XXXX - THANK XXXX I FOUND THE COPY I HAVE ATTACHED IT I EXPLAINED THAT WHOM EVER DID ALLTHIS FRAUDS WAS THE SAME PERSON WHO MADE THE WITHDRAWLS ON XX/XX/XXXX AND XX/XX/XXXX. THE SIGNED FRAUD STATEMENT I SENT ONXX/XX/XXXX AD FAXED AS WELL ALONG WITH OTHER INFORMATION WAS THE RESULT OF THE DECISION THAT WAS MADE ON XX/XX/XXXX BUT THEY NEVER BOTHER WITH THE OTHER FRAUD THAT TOOK PLACE. 
NOW I HAVE CALLED THE ATM/DEBIT CARD OPERATIONS XXXX AND THERE WAS NEVER A DEBIT CARD ENDING ON XXXX ISSUED AT A NO INFORMATION WHATSOEVER. I ALSO CONTACTED THE DESPUTE RESOLUTION IN ARIZONA AND THEY FOUND NO DEBIT CARD ISSUED ON XXXX AT ALL. 
NOW I SEND COPY OF THE STATEMENT SHOWING THE WITHDRAWLS AND HERE IS THE MISTAKE OR LIES THE STATEMENT ON SHOWS THE GA TLR CASH WITHDRAWL FROM CHKING XXXX AND NO BANKIG CENTER # AND NO CONFIRMATION NUMBER AND THAT IS THE FRAUD THAT TOOK PLACE BY THE SAME PERSONS OR BANK PERSONNEL. 
NOW I WENT TO THE BANK AND WITHDREW {$200.00} YESTERDAYXX/XX/XXXX AND GUESS WHAT IT SHOWS TYPE : DEBIT CASH WITHDRAW AT BANKING CENTER # AS WELL AS CONFIRMATION # AND THAT IS MY PROOF THAT WHAT TOOK PLACE WAS PART OF ALL THE FRAUDS IDENTITY THEFT THAT TOOK PLACE. 
I HAVE SENT COPIES OF EVERYTHING ALL LETTERS FROM ARIZONA FRAUD AS WELLS AS FRAUD CLAIMS AS WELL AS ATM/DEBIT OPERATIONS.AND A COPY OF THE FRAUD STATEMENT WITH MY SIGNATURE AND EXPLANATIONS INCLUDING THE POLICE DETECTIVE NAME DATE REPORT # PHONE AND BADGE AS WELL AND I ALSO HAD FAX IT TO AS WELL XXXX.
Consumer complaint received 2022-04-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (GA)

Re CFPB Complaint XXXX & XXXX XXXX XXXX XX/XX/2022 The company responded stating that my partial claim documents were returned and not accepted because they expired. Irregardless to the fact that the documents were received by their company three weeks before they were processed. In the letter dated XX/XX/2022, the company advised that new partial claim documents were being drawn up and that i would receive them before the end of the month. Today is XX/XX/2022 and I have not received the new documents. On XX/XX/2022 I did receive a letter stating that I had not completed my loss mitigation package and that it must be received 37 days prior to foreclosure. I do not understand why I received this type of notice and not the partial claim documents.
Consumer complaint received 2018-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

I fell behind on mortgage due a loss income, increase in expenses and divorce. I contacted XXXX XXXX XXXX in XXXX XXXX, Michigan. I was working with XXXX XXXX who was one of their financial counselors. She helped complete a lost mitigation application and it was submitted on XXXX XXXX, XXXX. Carrington kept requesting documents that were already submitted. This was n't the first time they have done this to me when submitting a loss mitigation application. I filed a complaint with CFPB back in XXXX of XXXX regarding the same issue. Complaint number XXXX. All the documents that were requested were sent on XXXX XXXX, XXXX. XXXX XXXX took over my case at XXXX XXXX XXXX. He contacted Carrington on XXXX XXXX, XXXX and was informed that my case had been closed because I did not submit the documents that we were being requested which were sent on XXXX XXXX. XXXX suggested to resubmit a new application since Carrington had already closed my case and they were n't willing to re-open it. A completed application was submitted on XXXX XXXX, XXXX. I have attached a copy of the entire application. I was told on XXXX XXXX, XXXX that my case was close because I submitted an incomplete application. XXXX contacted Carrington and was told that I was missing the following : -Recent paystubs ( which are on pages XXXX ) -Bank Statements ( which are on pages XXXX ) -Letter stating how many household members are in the house ( which is on page XXXX XXXX paragraph. This information is also listed on my food stamp benefit letter found on pages XXXX. ) I did not receive a written notice or email stating that this information was missing ( even though this information was not missing. ) I think that what Carrington is doing is unfair to me and all the work that XXXX XXXX XXXX has put into my case. They have been giving me the runaround for over a year and they have closed my case twice for invalid reasons. I am asking Carrington to review my application completely and to read and pay attention to all the documents that are submitted. This will be 4th time applying for loan modification. All I want is to ensure that my kids and I have a place to live. Thank you for taking the time to review my complaint. I have attached my completed application from XXXX/XXXX/XXXX and the fax confirmation stating that my application was received.
Consumer complaint received 2021-02-08
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)

On XX/XX/XXXX I disputed the accounts with the credit bureaus because they do not belong to me. I did not get a response or results. So I sent another letter XX/XX/XXXX and the credit bureaus still havent responded. From my knowledge the credit bureaus have 30 days to complete an investigation or the accounts must be deleted according to Section 611 ( a ). So now these accounts need to be deleted immediately or I just might file litigation because this is becoming super stressful and the credit bureaus have been ignoring me on purpose. I am also a victim of the Equifax data breach so XXXX knows who have gotten my information. 
The accounts that do not belong to me and the credit bureaus have been ignoring my disputes are : XXXX XXXX and XXXX XXXX.
Consumer complaint received 2018-01-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Financial Services, Inc. (TN)

On XXXX XXXX 2017 I have sent a letter to XXXX XXXX XXXX. The company is reporting an address per this debt on my credit report that is not correct and does not enable them to verify or validate this debt. The letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX Tennessee XXXX
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I disputed the accounts with the credit bureaus because they do not belong to me. I did not get a response or results. So I sent another letter XX/XX/XXXX and the credit bureaus still havent responded. From my knowledge the credit bureaus have 30 days to complete an investigation or the accounts must be deleted according to Section 611 ( a ). So now these accounts need to be deleted immediately or I just might file litigation because this is becoming super stressful and the credit bureaus have been ignoring me on purpose. I am also a victim of the XXXX  data breach so XXXX knows who have gotten my information. 
The accounts that do not belong to me and the credit bureaus have been ignoring my disputes are : XXXX XXXX and XXXX XXXX.
Consumer complaint received 2018-01-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Adjustment Bureau of Mid-America, Inc. (IL)

XXXX XXXX, 2018 Talked to supervisor at Professional Adjustment Bureau of Mid-America Inc. who continued to threaten legal action if 10% of debt was not paid immediately. ($XXXX total) I have continued open communication to make notes in the account and arrangements to knock down the total debt until tax returns could pay off balance in full. I made a $XXXX initially and then another $XXXX before XXXX. When I called to make a large substantial payment today (X/X/2018), the associates continued to threaten legal action if I could not come up with 10% ($XXXX) of the money and continue to make $XXXX auto withdraw each month after. I am tired of being mistreated and disrespected, with condescending remarks and being talked down to in a threatening manner. Collections can play by a different set of rules, but not outside the bounds of the law. They prey on the weak and vulnerable using dirty collection business tactics. You can not threaten legal action and use that threat to extort money in order to keep a case or account in your office so credit score and legalities are not effected. You can clearly hear the evidence in the recording of the conversation I have provided.
Consumer complaint received 2017-12-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

On XXXX XXXX, 2017, I received notice from a credit monitoring service that a collection had been added to my credit reports. I was completely unaware of the alleged debt that they claim was originally owed to XXXX XXXX XXXX XXXX. The amounts they claim I owe are {$59.00}, {$61.00} and {$1400.00} respectively. 

I never received ANY communication from them Commonwealth Financial Systems by phone or in writing stating that I owed this debt. They just " parked '' this debt on my credit reports probably hoping I would respond I thought I had to be given the opportunity to respond BEFORE they report it to the credit bureaus. I have never had ANY CONTACT WHATSOEVER with this company. 

Parking an old debt on my credit reports while being less than truthful regarding how they acquired the debt and not giving me the opportunity to research and respond BEFORE they report it to credit bureaus is at best a bad business practice and at worst a violation of my rights under the FCRA and/or the FDCPA. 

I did send a dispute letter to the credit bureaus ( attached ) disputing that I owe this debt.