davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I have a complaint with DITECH, which on my credit report lists itself as XXXX different entities which are : DITECH FINANCIAL LLC, DITECH FIN, and DITECH. 
DITECH has made inquiries to all three credit bureaus : XXXX, XXXX, and XXXX in the last quarter. They are indeed my mortgage company. In XXXX 2016, when I made my mortgage payment, they applied the wrong amount, thinking that my check read {$1000.00} less than what it was. I have proof and the cancelled check that they made an error ( which they admitted to ) ; they sent me to DITECH Collection Agency, which I have never been to a collection agency in my entire life, which informed me that they realized their error and would fix it. However, they never did. In XX/XX/XXXX, they told me that I was late on my payment, XXXX weeks after they received the payment and the check was cashed. In XX/XX/XXXX, they did the very same thing. I called them each and every time, spoke to various people in their collection agency, who promised me that they would send me a letter of apology and certainly never report any of this to the credit bureaus as this was their error. I never received the letter, and just knew they would not keep their word, which they did n't. They have made XXXX inquiries under the names listed above, which has resulted in my credit score going down. I am also a victim of identity theft, which also brought my credit score down, but I am sure that you know, as I do, that when a mortgage company sates that you are late with a payment, your score goes down even more drastically. I need them to stop making inquiries to the credit bureaus, as every time they do it lowers my credit score. I would like a letter verifying that they have retracted the false information. Once again I will reiterate that all of my payments have not only been on time, but they have been early.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

THIS IS INSANE. 

4 months ago my car got wrecked. These clowns never once showed me money was due to me. I called them repeatedly I showed them my new address repeatedly. 

So then they reported me as delinquent on the money owed. For a debt they never proved existed. 

I paid the debt *over two months ago* then they reported back to the credit agencies the credit was good/great. 

Then on XX/XX/XXXX, so a full six weeks after paying them off for the debt they never proved *they reported me deliquent again* I even have a letter from them dated TWO MONTHS AGO SAYING THE ACCOUNT IS CLOSED. 

I'm being reported deliquent twice for a non-existent debt. I have called them, I have wrote them, I have contacted all three credit reporting agencies. 

PLEASE ACTUALLY DO SOMETHING
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX reported around 6 late payments while all my payments and current and no late since they approved my loan Modification. I have documents showing my loan commencement with XXXX XXXX XXXX XXXX. My first modified payment began XXXX/XXXX/2014 and others payments required by XXXX XXXX XXXX XXXX were done onXX/XX/XXXX/XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/2014 in the amount of {$1400.00} each month and on time
Consumer complaint received 2015-11-03
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance One, Inc. (LA)

There was no option for my issue. I am trying to get in touch with this debt collector. I have a XXXX XXXX account with them and my financial situation has changed and I have to cancel the payment arrangement I have with them. I have contacted them XXXX times and left messages that the payment needed to be cancelled and it was drafted out my bank account anyway, with no call being returned. I feel this is unfair and illegal business practice.
Consumer complaint received 2020-09-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

There is an account on my credit reports Bank of America that is outdated it is from 2012. I tried disputing it online with XXXX and after all the information it said submission failed the same with XXXX. This information is outdated and should be deleted off my credit reports.
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed identity theft several times, they have failed to adequately investigate the items I have disputed, I have attached a copy of my police report. 

They also refuse to investigate and or remove the credit inquiries that I have disputed. These credit inquiries are affecting my credit score and need to be properly investigated or removed. If they fail to investigate the disputed items I will use the legal system in small claims court to get this resolved for each inquiry I 've disputed. 

I would have also attempted to get the number on my credit alert updated to XXXX and have not had any success.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LoanCare, LLC (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 

Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Date Opened:XXXX  Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$15000.00} Date Opened:XXXX Account Number : LOANCARE SERVICING C Account # XXXX Balance : {$310000.00} Date OpenedXXXX  Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$3800.00} Date Opened:XXXXXXXX
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

My bank shows my credit score has dropped due to missed payments being reported by Experian. I have never missed a payment. I dont understand why Experian is still in business as I have NEVER received an accurate report from them
Consumer complaint received 2020-09-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is an account on my credit reports XXXX  XXXX XXXX that is outdated it is from 2012. I tried disputing it online with TransUnion and after all the information it said submission failed the same with XXXX. This information is outdated and should be deleted off my credit reports.
Consumer complaint received 2019-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

the last 3 complains about a company they closed my account which are unfair practices with bank of America and XXXX can you tell me if i have an issue with my bank why are they able to close my account saying they don't want my business what about having fair practices put in place we were told to go to cfpb but every time I do they close my accounts or retaliate in some sort of fashion like XXXX XXXX XXXX apartment complex which eventually did hud violation and got me removed from the apartment complex
Consumer complaint received 2021-10-09
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. (NJ)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2015-10-29
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALLY FINANCIAL INC. (AZ)

I hired a law firm to help me with some issues on my credit report. There is currently an account that is showing on my credit report that is an auto repossession from XXXX and is still showing up as an unpaid and owed balance. This account is very old and has been hurting my credit and has been preventing me from opening any other accounts with any other company. My attorney has advised that this account is past the Statute of Limitations and should be updated to report no balance currently owed. My attorney stated that they are violating the Fair Debt Collection Practices Act because after the Statute of Limitations has passed they are no longer supposed to be reporting to the Credit Bureaus as an owed balance because it is a misrepresentation of debt. On XXXX my attorney 's office sent them a letter stating that this account is past the Statute of Limitations as of XXXX because she said that auto repossessions are 4 years. On XXXX my attorney 's office called to see what their response was to the letter to update this account, and they refused to acknowledge that the account is past the Statute of Limitations. They refused to acknowledge that they should update my account and would continue to report it to the Credit Bureaus as an unpaid balance. On XXXX my attorney 's office sent out another request stating that it should be updated and they have yet to respond.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report so I feel like I am being take advantaged of.
Consumer complaint received 2016-05-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

In my private student loan there are multiple issues. 
1 ) I have a student loan with Navient and I have reason to believe that they are doubling on my rates to keep me behind in my loan. I requested the original loan documents on XXXX of XXXX, XXXX of XXXX, XXXX XXXX and just recently XXXX XXXX XXXX. I have yet to receive any documents for the specific account I am talking about. 

2 ) I believe they have changed the initial interest rate and are charging an excessive amount of late fees while approving a forbearance and allowing me to not pay down on my loan while it accrues interest. 

3 ) How can I have different " loan accounts '' for the same school achieving the same degree? Shouldnt this allowed to be consolidated into one loan that I can pay for instead of several different loans with a minimum payment of XXXX dollars. There is no way to get out of that type of financial debt unless I was making hundreds of thousands of dollars per year. 

Lastly, a cosigner, XXXX XXXX was never a cosigner. Trying to obtain the original loan documents was the reason to prove she was not a cosigner and I have been unsuccessful in doing so for several months. 
I have reason to believe Navient is exercising unfair practices to get me to pay for loans that were designed to be impossible to pay off. In one of the documents they state they have " updated the terms of my loan ''. I will get this messge about every quarter, is it normal for a company to change the terms of an agreement whenever they want? It seems very suspicious.
Consumer complaint received 2023-04-14
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)

I am the victim of identity theft. I already filed all the paperwork with the credit bureaus, as well as the creditors. I included my identification, my ID theft report from law enforcement and a letter describing the crime. My information was exposed in the XXXX data breach and I believe this is how they got my data. I have submitted this information several times but there are several accounts that are still reporting inaccurately on my reports. especially Experian. They have sent me back a bunch of bogus letters stating that I didn't send my IDs ( I did ) or that I didn't write the letters myself ( I did ). They are playing around with me and they have violated my rights.
Consumer complaint received 2022-09-06
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)

On XX/XX/2022, I sent a notice to Equifax to investigate accounts, inquiries, and late payments that I believe are being reported inaccurately. To date, have not heard back from Equifax regarding this matter. 

I understand the statutory time period of XXXX ( XXXX ) days for verification of items on a consumer report however, the FCRA also includes what should be excluded from a consumer report. Therefore, no investigation is needed, nor should it take XXXX days to correct the information provided. 

To date they have not complied with the Fair Credit Reporting Act by not deleting the disputed items from my credit report. They are not in compliance with their own policies. 

I did not give any written instructions for this information to be reporting which is a direct violation of 15 U.S.C. 1681b ( a ) ( 2 )
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (FL)

I am writing this letter to dispute the following accounts : CAINE & WEINER, Reported : XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX, Reported : XXXXXXXX XXXX XXXX {$600.00} These agencies are in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. Therefore, the following accounts must be deleted from my report as required by law. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Consumer complaint received 2022-09-06
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: BMW Financial Services NA, LLC (CA)

I have been the victim of identity theft, and my personal financial information has been utilized without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am requesting communication from you freeing me from accountability for this debt and notifying credit bureaus and collection agencies. I appreciate your upcoming consideration of this matter.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Continental Finance Company, LLC (TN)

I contacted XXXXXXXX XXXX customer service on several occasions spanning a few months and had asked for a reduction in fees and interest due to a temporary hardship which at one point it was stated it would be done and it never was. Customer service refused to fix anything, reported my account as delinquent and charged off.
Consumer complaint received 2020-12-02
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. (TX)

Hi, My name is XXXX XXXX XXXX, I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-26
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: Experian Information Solutions Inc. (FL)

These all need to be verified for accuracy. This is the companys job to investigate their validity. My information was breached by several companies and these are not my inquiries. They need verified and if not verified, they need removed
Consumer complaint received 2015-10-20
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (CA)

Citibank was alerted XX/XX/2015 and XX/XX/2015 that they had failed to properly post information on my credit reports. The misreporting showed me serious delinquent for 5 years instead of the account being charged off and no longer past due. Including the fact that it never properly stated the date of last payment. 
After being notified, my XXXX credit report was amended to properly show the date of last payment, no longer delinquent and the charge off. 
However, my XXXX and my XXXX were never amended and I continue 6 months later to be showing as serious delinquency. 
For intentional violations of the FDCPA for 6 months after being properly notified Citibank should be fined {$1000.00} at minimum. They had a duty after being informed to properly respond, not partially. 
If they choose not to amend the records AND pay a fine to me then I will start a small claims filing for the amounts due under Federal Law.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

XX/XX/2019, Called Capital one to try to remove late payment because it was wrongly reported. called on XX/XX/XXXX at XXXX XXXX REF call XXXX XXXX
Consumer complaint received 2016-08-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: URS Holding, LLC (NM)

I have a couple of credit cards with XXXX for several years. And, has another XXXX with XXXX For 3 consecutive months I noticed that from my XXXX checking account was withdrawn {$220.00} for XXXX/XXXX/2016, {$220.00} in XXXX/XXXX/2016 and {$220.00} in XXXX/XXXX/2016. 
The above withdrawals was described as " External withdrawl XXXX XXXX XXXX Ext trnsfer ''. After contacting XXXX, I was informed that the XXXX ( XXXX ) withdrawals was by United Recovery System ( URS ) with XXXX phone no. 
I feel that my consumer rights are violated by URS by electronically withdrawing my money with out prior notice. And, my XXXX checking account was penalized with overdraft and other fees. 
The URS in other words financial stole/hacked my account since the are able to discover my XXXX account with authorization. 
I trust the CFPB will look into this matter and am thankful for the protection CFPB has delivered to the victimized public like me a XXXX year old retired senior citizen living on social security pension and still raising a family. 
Respectfully yours, XXXX XXXX XXXX XXXX