davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
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. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-10-15
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. (HI)

Corporate entities need to be stripped of power involving credit report systems. I, and millions of others are straight fed up with their scandalous ways. Paying off debt SHOULD NOT make your credit score go down by 67 points, the whole system is XXXX.
Consumer complaint received 2020-08-30
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: Sunset Management, Inc (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA (MA)

I XXXX XXXX hereby submits a complaint against XXXX XXXX XXXX as Assignee for First National Bank of Omaha as First National Bank of Omaha is stating that my identity theft complaint is not valid due to not listing the individual transaction. This collection will never stand in any Massachusetts court, and my identity theft complaint is now backed up by a second police report. First National Bank of Omaha is an FDIC insured financial institution, and my rights need to be protected under several federal laws. Recently, I had to re-submit a police report on an identity theft complaint from 2015. Had financial institutions such as XXXX/XXXX  taken my rights serious as related to the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), I would not be submitting this complaint with the Federal Deposit Insurance Corporation. However, I did initially submit my complaint through the Consumer Financial Protection Bureau ( CFPB ) as a means of bringing my complaint to a level playing field. XXXX XXXX XXXX as Assignee for First National Bank of Omaha is now trying to negotiate a settlement after five years of a dormant account. The account was recently sold off to a third-party debt buyer, which is standard procedure by national banks for unenforceable debts. This debt is no longer valid or enforceable, and my file should be purged permanently. Any response to me with a 1099C submission will be protested with the Internal Revenue Service. I demand a permanent cease and desist from XXXX XXXX XXXX as Assignee for First National Bank of Omaha XXXX, and if a case such as this was ever submitted into a Massachusetts court jurisdiction, the filing attorneys would be seriously sanctioned. The debt is non-valid and my demand for a permanent file purge is within legal guidelines by precedent determined in federal jurisdictions.
Consumer complaint received 2021-04-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (FL)

We currently hold a mortgage loan with XXXX XXXX XXXX Loancare. In XXXX we refinance with them and then they contacted us to refinance this year. In the process, we determine that they miscalculated the numbers ( an increase of {$260.00} ) once pointed the error out to them they realized it was incorrect. They were going to adjust it internally moving forward onto the new refinance. This was XX/XX/XXXX and set to close no later than XX/XX/XXXX, it is not XXXX and we person we have worked with will not call us back to resolve the refinance or close or fixed the incorrect mortgage amount. We have tried to escalate to loan managers and no return phone calls, email, and contact us online.
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (IL)

The finance company intentionally underestimated the escrow to gain business. 

I purchased a house XX/XX/2019. At the time of closure county taxes, insurance was known to the finance company and escrow account was set up.

To gain business, the finance company intentionally lied about what funds were required in the escrow account setting up additional payments now. In this day and age it would take monumental incompetence to XXXX up escrow estimates with accurate tax information and I believe the company intentionally underestimates escrow or completely disregards due diligence. Either way I am extremely dissatisfied with the actions of cal-h.

Anyone doing business with caliber should take care.
Consumer complaint received 2020-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

The company XXXX has been asked to give the following : Original Contract with my signature Pay off Disclosure Interest Rate Disclosure Balance history Payment history Credit Insurance A check / payment from myself I have received none of the above. This debt has gone from XXXX to XXXX XXXX XXXX To the Bureaus. Take a look at the attached letter from XXXX XXXX XXXX XXXX. They claim they dont know the interest rate. Dont know the Last payment if assignee ( if any???. They have no contract, And to boot at the bottom of the letter is says : This is not an attempt to collect a debt???? WHY WHY WHY XXXX/Equifax are they on my credit report. And as of XX/XX/XXXX it is 4 years and that is the Statue of Limitation in my State of Pennsylvania ... ... soooooo REMOVE NOW!!!! On XXXX XXXX and XX/XX/XXXX it says the debt started XX/XX/XXXX, so thats 4 years, they have no payment history as you can see from their letter, and no checks, contracts anything. So you must remove by law, because im not being sued, this is not my debt and you must remove by law.
Consumer complaint received 2015-06-19
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SUN LOAN COMPANY INC. (AL)

I went to a local Sun Loans branch to pay of a charged off account. The amount I expected to pay was {$290.00} plus a late fee of {$10.00}. The Manager and assistant manager of the location informed me that the late fee was {$60.00}. I had actually defaulted on the first payment due to loss of employment. I explained to the XXXX Sun loans reps that there should only be XXXX late fee as once the account is late I should n't be charged additional late fees. I was then belittled by the store manager and told that I would have to pay the late fees totaling {$60.00} which is XXXX late fees instead of the XXXX late fee. I asked the manager to show me the signed contract stating that I was responsible for paying cumulative late fees. She then produced the contract that according to how it was worded I should only be charged XXXX late fee. To prevent further attempts of belittlement by the manager at my expense, I then payed the amount they were demanding and informed them I would be filing a formal complaint concerning their business practices. The paid in full receipt list the {$60.00} as " Plus other charges ''. It does not describe what these charges are for. I work hard and honest for my money and do not appreciate a business not only attempting to belittle me but also overcharge me by using unfair business practices. Thank you for your time and help.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the permanent deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2021-06-29
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. (PA)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the permanent deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2017-12-10
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: CHECK INTO CASH INC. (FL)

I would like to dispute a hard inquiry on my credit report. Check into cash has checked my credit twice this year without my knowledge. I was not informed that my credit will be checked when I was applying for a personal loan with them. I have been one of their customers since XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX are the dates they have checked my credit. I would like for those inquiries to be removed off my credit report. It is not fair to process a credit check without ones knowledge. Thanks in advance.
Consumer complaint received 2020-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (PA)

Attached are letters from XXXX/Comenity Capital bank and The Bureaus. All 3 companies have been sent demand letters for the following : Original Contract with my signature Pay Off Disclosure Interest rate Disclosure Balance history Payment history Credit Insurance A copy of a check ( payment ) from myself All three of these companies as you can see sent me excuse letters. Ive received nothing of what Ive asked for, nothing!! Now the statue of limitations/4 years is over and in the State of Pennsylvania thats the maximum time they can collect, and since they can not show us even one payment from myself, there is a no payment history, and were not believing their made up schedule. So Im asking once again after 4 years, REMOVE!
Consumer complaint received 2018-10-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (TX)

I obtained what was supposed to be an installmant loan through speedy cash on XX/XX/2017 for a total of XXXX dollars due to hardship. From my understanding they added about XXXX dollars worth of interest onto the loan and i would have over a certain amount to pay the loan back as you i have with previosly obtained and paid loans. I began paying the loan back in payments of XXXX every other week from XX/XX/2017 untill XX/XX/2017 so a total of 11 payments of the XXXX, so over XXXX XXXX dollars worth of payments overtime. About half way through i had logged intospeedy cash to see what my exact balance was and to my suprise it was exactly the same amount as the loan i had recieved despite all of the payments i had made towards the account. I called speedy cash to ask them what was the deal with the account balance and how it hadnt decreased even with all of the money i had already paid. They then told me that the only way i was going to be able to pay the loan off entirely was to pay the interest, as well as the entire amount that i had borrowed initially. I made sure to tell her i didnt sign up for a payday loan and that i signed for an installmeent loan, something that i could pay back over time because of the tremendous hardship i had been facing. They then told me that i had no other option but to just pay it off. I kept making payments every other week untill XXXX and my account indeed still remained the same amount, if not more by the next time i made a payment. So finally i sent them an email statiting that i was not going to pay them anymore due to the fact that i had already paid the loan in full three times over, and that i did not ever sign for a payday loan. I knew it could not be interest compiling that fast within teo weeks due to Texas legal laws in place. As of last month speedy cash has had a collection agency ( XXXX XXXX XXXX XXXX ) flag my credit, bringing my score down tremendously. They show that i obtained the loan in XXXX of this year ( which is false information ) and that i have only made one payment ever with the account ( which is also false ) i have sent in bank statements, i have sent payment confirmation reciepts via fax from my email, but the company persists on leaving the falsified information on my credit account as if it were truely an installment loan i just defaulted on, and did not pay them for when its not true. They refuse to remove it unless i pay them an additional XXXX dollars.
Consumer complaint received 2022-04-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute in regards to the incorrect items on my credit report, It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2021-08-19
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: HCFS Healthcare Financial Services of TeamHealth (NC)

I have attempted several times to have ARS ACCOUNT RESOLUTI to verify the debt that has been reported on my consumer report and I have not heard anything in reference to this account.
Consumer complaint received 2017-12-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (WA)

I currently have a XXXX credit card with an {$18000.00} balance, resulting from damages caused by renters. I have never made minimum payment on this card. I requested XXXX allow me to make a {$50.00} a month payment while the case is in court. 

I had owned this piece of property for 15 years and had {$20000.00} in savings. It is .32 acres, has a 14 X 70, XXXX XXXX XXXX single wide mobile and a renovated pickers cabin on it. I farmed organic here until earlier this year. My kids had live here when they were first getting started. Later it was used as a rental. In XXXX I spent roughly {$10000.00} for a new foundation and upgraded the power. Then I moved into the cabin and as I had in the past, rented the mobile.. 

The mobile was rented to a young couple featured in our local newspaper. Their first year here, he put his foot through the living room floor, said it was a soft spot. The males in my family, that had lived here, were over 6 foot tall and weighed more than XXXX XXXX and they never had problems with the floor. There was no soft spot, but I suggested they put a coffee table over the " spot '' to protect it. They did n't and told me he fell through the floor dancing with his kids.

Last winter when it dropped to 18 degrees, the foundation which protected all that was underneath the mobile, had been destroyed when the renter repeatedly crawled around underneath and removed screws leaving the siding open to the weather. The water line froze and broke. When it thawed, water flew, {$120.00} for water and + {$400.00} to a plumber to repair the break. I had asked XXXX for all statements from XXXX to present to show the court the expenses from damages since these renters arrived. To this day, I have gotten nothing. I asked them to let me make a {$50.00} a month payment until I was done with the court battle. Repeatedly I called to check status on all of these. XXXX XXXX, the man I had spoken with, is never available. I even called once to make a huge payment and it was denied. Yesterday I got a letter telling me to pay {$1000.00} and I was being `turned over to collections. 

Nothing discussed with Wellsfargo was ever done by them. I 'm XXXX. Renters destroyed everything I had done to make that the least painful and me the most functional.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2022-08-13
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. (PA)

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX  account # XXXX, 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 2020-10-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (IL)

A closing date was set for XX/XX/XXXX and Quicken loans did not honor it and it was the date they set. XXXX XXXX and XXXX XXXX said there is a three day waiting period in which they can not fund the loan. In XXXX of XXXX, Our Federal Government put into place the Interpretive Rule, managed by the CFPB, allowing consumers to waive the three day TRID waiting period if the waiting period was causing a financial hardship due to the pandemic. I have been living in a hotel for nearly three weeks and boarding my dogs due to the sale of my home and XXXX not being able to close in time. This is certainly creating a financial hardship by having the closing extended. I put it in writing and sent it to multiple people at XXXX including the people mentioned above as per a real estate attorney requested saying they are Federally mandated to waive the three day waiting period. XXXX refused to follow the Federal mandate and honor their closing date. The sellers of the home I am purchasing flew in from Florida. Soon I will not have the funds to close and to keep living in a hotel and boarding my dogs. I am asking for assistance with XXXX  loans. I also told them both this on a recorded line and they just keep saying they will get back to me. I have hired movers for the original closing date and two sets of realtors and a family from Florida, as well as the title company are all expecting the closing to be on XX/XX/XXXX and we were just told it will not close on XX/XX/XXXX. I appreciate your assistance.
Consumer complaint received 2020-11-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC. (IL)

This company is reporting inaccurate information to the credit bureaus in regards to this account they are not reporting factual data. If the same company is reporting the same information the credit bureaus then there should not be any inconsistencies in the reporting. This is a violation of the FDCPA and the FCRA. Attached is verification of what is being reported on my credit report.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Good day to you. I am sending in this complaint as a last ditch effort to remove a bankruptcy that is being reported innacurately on my experian report. I have sent updated copies of my credit reports as well as my current XXXX XXXX report that shows that there is no bankruptcy in my public record. I have also attached a letter from XXXX XXXX that shows that experian is not even responding to lexis nexis to remove this account. Please have them remove this as this is the XXXX month I have disputed with experian in a row with no success. I have been disputing this with them since XXXX of 2020. Thanks for your help in this matter. 

XXXX XXXX
Consumer complaint received 2021-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (NY)

Around XX/XX/2021 I received a letter from a company I did not recognize that went by the name Monterey Financial Services, LLC. They wrote me saying I have a credit line of {$12000.00} and that payment was due. I do not recognize this account nor do I have a card with this intuition that has a limit of anything. I have sent them a letter asking them to verify this debt and they have yet to respond to me regarding this debt.