davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-26
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: EQUIFAX, INC. (MN)

I have made two complaints now, both to Equifax and to the CFPB, stating that I have filed disputes online my the Equifax Dispute Portal, but each dispute is taking longer than 30 days to resolve -- in fact, my disputes are still open and Equifax has not sent me any notification about why these disputes are taking longer than 30 days. Since Equifax is not properly resolving these disputes in the 30 days allotted to them, and they're not communicating with me about why the disputes are taking more than 30 days to resolve, Equifax will not allow me to file any further disputes on inaccurate information contained in my credit file. As a result. I am having to file all my Equifax credit report disputes through the CFPB. When I try to call Equifax, their representatives will ask you the same, poorly and ambiguously phrased verification questions. If I'm able to pass those verification questions, their representatives are foreign and there is a massive language barrier trying to communicate with them. Equifax has made it impossible to do business with them. Every time they respond to my CFPB complaints, it is a scripted, canned response that means absolutely nothing and does absolutely nothing. I don't know what to do. Equifax is not processing my disputes correctly, their phone service is both unbearable and unable to be used with their customer service agents ' language barriers and when they respond to my CFPB, the responses are not personalized -- they are scripted, canned, unhelp and do nothing to resolve the inaccuracies on my Equifax credit report. Obviously sending Equifax complaint after complaint after complaint through the CFPB isn't working, so it would be nice if someone involved in Equifax 's executive office was involved.
Consumer complaint received 2018-02-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC (TN)

JH Portfolio Debt Equiti has placed an account on my credit reports dating XX/XX/2018. This debt has been previously disputed and deleted off my credit files. Now that it is tax time, it has magically appeared again. I have researched this company and there is NO valid license to this company nor bonded in the state of TN, which is an requirement to collect on a debt. Furthermore, they have not sent me anything in mail as the Fair Debt Collection Practices Act requires within the 5 day time frame notifying me that this account was placed on my credit reports. It has been 15 days since this account was placed on my credit files and nothing in mail. I would like this removed from my file once and for all especially since the 6 year time from of original default has expired, which is also another violation. I will contact the Attorney General as well Federal Trade Commission in regards to this unethical practice.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Why is XXXX  and Trans Union so off with reporting? XXXX I find pretty accurate. The other to reporting are way off and causing low credit scores. I dont know why they are so late in reporting accurate information when XXXX seems to not have this problem.
Consumer complaint received 2022-04-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2017-01-20
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX has TAX SHELTER ANNUITY ( XXXX ) with XXXX account XXXX with the XXXX as the custodian. This Bank was renamed to XXXX BANK ( XX/XX/XXXX ) then to XXXX ( XX/XX/XXXX ) then to XXXX BANK ( XX/XX/XXXX ) then to BANK OF AMERICA. Bank of America can not locate this account
Consumer complaint received 2020-07-10
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report
Consumer complaint received 2020-07-10
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report
Consumer complaint received 2017-09-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

I am a victim of hurricane Irma, and was made aware that mortgage lenders will grant a three month forbearance and place the three months of mortgage payments at the back of the loan. At first, I thought this was a great way to help homeowner 's out during these tough times post IRMA. My mortgage is $ XXXX. When I called OCWEN LOAN SERVICING, they informed me that they would give me a three month forbearance HOWEVER, at the end of the three months, I will have to payback the total FOREBEARANCE amount over a six month period. So, instead of my monthly payment resuming at $ XXXX, my mortgage payment would be $ XXXX for six months. In other words, they help you out of one CRISIS just to put you into ANOTHER CRISIS. PLEASE STOP OCWEN FOR USING THIS PRACTICE. They are hurting homeowner 's that have been devastated by a natural disaster. Ocwen should be fined for using such a policy and ordered to change their practices and policies immediately.
Consumer complaint received 2022-01-07
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: Experian Information Solutions Inc. (NY)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion and XXXX are allowing the reposting of a fraudulent account. The debt on this account has been transferred to multiple debt collectors after requesting that the data furnisher and the credit bureau block and notate the account last year in XXXX. I would appreciate if the bureaus did their job so my credit can stop the roller coaster journey.
Consumer complaint received 2019-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (VA)

While I was in college I had to take vaccination for XXXX school and used my insurance to cover the charge of it. At the time I made sure that the charge which was around XXXX {$100.00} to be send out to the insurance company. Vaccination and doctors visit were included in my insurance without deductions or payments and that was a reason why I received the vaccination. The health care provider validated my insurance card before providing any services. Thats how I received service at the first place. How can anyone buy a drink with paying for it? 

After seeing this derogatory {$500.00} in my credit score, I tried to call the collection agency as well as the health agencys phone number but they couldnt find me in their system. Why is it apparently for anyone to claim and affect my credit score with out having a reasonable cause. I even reported it as a fraud to the credit score companies and Still no solutions.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

fcra violations : XXXX XXXX  XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX not mine XXXX XXXX {$220000.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Mortgage account Paid Off : 18 % Balance on XX/XX/XXXX Loan Amount {$220000.00} {$270000.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$270000.00} XXXX XXXX Original creditor : XXXX XXXX {$14000.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$14000.00} - Payment Info Original loan amount - Balance {$14000.00} Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX  Online or by Mail at XXXX. XXXX XXXX, XXXX, PA XXXX LVNV FUNDING Original creditor : XXXX XXXX XXXX XXXX {$84000.00} Balance updated XX/XX/XXXX XXXX {$0.00} Closed 2 charge-offs Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX # A XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX FAIR XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Names not my : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP (CA)

Today, XX/XX/2019, I received two letters from KeyBank that indicate accounts have been opened in my name. I have never opened these accounts and have no relationship whatsoever with KeyBank.The letters were dated XX/XX/2019. 

This morning, XX/XX/2019, I called the Key Bank 's published fraud hot line. The number I called is XXXX. I found it at this url : https : //XXXX I explained the situation of the fraudulent accounts to the Key Bank agent , but they refused to close the accounts or verify they even exist unless I provide them with my social security number. 

This seems unacceptable to me on multiple levels. First, Key Bank is likely negligent in failing to verify my identity and allowing an imposter to open this account in my name. Second, Key Bank makes it *my* problem to resolve the issue, demanding sensitive personal information from me when I never asked for any relationship with them at all, and then essentially wiping their hands of the injury they are causing me, not to mention my lost time.
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

On XXXX XXXX, 2018 I received an email from Citi Bank that they decreased my credit limit! In fact, this impacted and affected my credit score greatly! In the meanwhile, I contacted a representative and I was told that the decrease was due to a credit report change! So I contacted XXXX and they told me that my credit score went up and they could see no reason other than maybe that an account was closed! So I contacted Citi Bank once again and was then told that my account was decrease due to some information from XXXX! I then contacted XXXX once more to be told that they had no control over whether Citi Bank decreased or increased my credit limit! Overall this is affecting my credit score and other creditors from giving me credit! This is unfair and against the fair credit act!
Consumer complaint received 2017-07-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (FL)

I have tried multiple times to get an answer from Receivable Performance Management ( RPM ) in which I believe this debt is not owed as I have never applied for a Card Credit credit card. I 've repeatedly asked for verifiable proof of debt obligation by them providing me the original signed instrument of indebtedness. They have not provided anything to me to verify this debt as of  XXXX .   XXXX  It has damaged my credit report and decreased my chances of obtaining a favorable mortgage rate.
Consumer complaint received 2021-09-04
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. (GA)

Transunion is knowingly reporting incorrect information on my credit report. I have sent in verification that XXXX XXXX XXXX , XXXX  is deliberately reporting false information. XX/XX/2021 listed as 149 days late, this is inaccurate As of XX/XX/2021 this account is 321 days past due. 
This account has been listed as 149 late since XXXX of 2021 all months are inaccurate This account is more than 149 day late. 
The last payment was on XX/XX/2021 Please delete and block this inaccurate information from reporting on to my credit report. 
I have attached a last due notice statement from XXXX,
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (OH)

This company apparently bought this account from another agency that tried to sue me on account that was paid off. The other company that had the account brought the case to the local court where I lived and the case was dismissed by the local court by pursuant L.C Rule 12.02 Dismissed without prejudice at their cost.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (MD)

I refinanced a home loan with Ditech Mortgage. The process was pretty sloppy, I received multiple documents referencing different amounts due @ closing among other discrepancies. They even had to send the notary back out because they missed a document. The most challenging issue was when my first payment was due. I was told by the originator that my existing automatic payment setup would rollover to the new loan and no action was required for my payments to continue to be made automatically. Turns out that wasn't true. 

That led to a late payment being made. As soon as I was aware of the problem I brought the account up to date. 

I immediately phoned Ditech, attempting to get my despite escalating with Ditech 's customer service organization I was repeatedly told there was simply nothing they could do, despite the refi and my stellar payment history with the firm. They took no responsibility for their actions.
Consumer complaint received 2019-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IA)

I re-applied for Income Driven Repayment ( ICR ) in early XXXX with my wife who also has a similar amount of student loan debt. We are both XXXX and both went to XXXX XXXX. She received her ICR re-calculation a few days later and it was what we were anticipating it would be, and more importantly, it was something we knew we could afford. When I received mine, it was double the amount of hers and way out of the range of what we were anticipating or budgeting for. She guessed it was because they forgot to include her student loans in the calculation. Instead of approximately {$500.00} per month, the payments were {$910.00}. 

We called XXXX XXXX XXXX to inquire on XX/XX/2019. We talked to someone and right away he said " oh yes, sorry about that. XXXX XXXX XXXX   did actually calculate it incorrectly. We did not take her debt into consideration. We will place you on an administrative forbearance while we re-calculate. Look for that in the next week or two. '' We were happy because we could not afford the {$910.00} this month or any month. 

Two weeks later, we still hadn't heard anything from XXXX XXXX XXXX. The {$910.00} was still showing as due and the ICR had not been re-calculated.

We called back ( which took TWO HOURS to get someone on the phone ) on XX/XX/XXXX. When we finally got someone on the phone, the woman pulled up the account and she saw the ICR request. She said and I am quoting " oh it's our fault, that never got properly submitted. I can see the request but it just did not get submitted internally. '' We were frustrated, but she assured us that she as expediting it. She submitted the ICR and told us she would place the current account amount due of {$910.00} on an administrative forebearance as it was due on XX/XX/XXXX and since it was their fault, she could get that done. 

Now it is XX/XX/XXXX and the amount is show as PAST DUE by 8 days because no one at Fed Loan Servicing has done what they said they would do. We have contacted them via email to let them know this was going on ( XX/XX/XXXX ) but we did not receive a response within 48 hours as promised. I can not spend two hours on the phone again trying to get this figured out with them. They need to fix it like they said they would. I have no faith in them as a loan servicer ( this is not the first time they have screwed up my ICR - it literally happens every year ). 

I need them to get the {$910.00} that is past due out of the queue like they said they would do originally a month ago. In addition, everything has been accruing interest which also needs to be taken off of what I will owe. This is predatory lending. If they do a poor job and make customer service unavailable to me, they win because they are owed more money. I expect more from my loan servicer.
Consumer complaint received 2022-04-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Idaho Housing And Finance Association (TX)

HOMELOANSERV has continued communication directly and indirectly after a cease and desist was sent to them. Stating to another party that they cant talk to me while still talking about my affairs. They are also in violation of title XXXX usc XXXX ( XXXX ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and. 
Nor did XXXX state in the voicemail message that she is a debt collector and this is attempt to collect the debt before she began speaking. 
XXXX u.s.c XXXX ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX  ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (AZ)

I called them and tried to settle the debt, they did not allow me to stating they must have the last four digits of my social security number. I asked for other verification methods, they asked for my full name, address and reference number which I provided them. They then said thank you and asked for my social again, I stated I was not comfortable giving that information and they said Im not able to talk to you then. This is misrepresentation, they gathered information about me under the pretense that I was going to be able to settle my debt, then did not allow me to do so. I told him I do not want any information from him other than, If I pay you {$350.00} will that settle the debt? He said he will not talk to me about any single detail without my social security number, continued to talk over me and then stopped talking, the call continued for five minutes in silence and then he hung up the phone :