davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

Hello and good day I had an disputed account removed from my credit report. From all three credit bureau back on XX/XX/2020. Later that year another company reported on the same account as that I still owned it. I have already contact all three credit bureau as well as the company that is reporting once again on the deleted account. Please refer to the attachments. The original account name was XXXX XXXX # XXXX, now XXXX XXXX XXXX is reporting. I have reached out to them stating that the account has nothing to with me and that it has been delete off of my report. They once again are charging me for it. I have sent proof and notarized letters stated that it was delete from all three credit bureau as well as sent to XXXX XXXX XXXX. please help me out. I have reach out to equifax, XXXX, XXXX and XXXX XXXX XXXX. They are not wanting to help even with the proof that has been provided
Consumer complaint received 2023-01-09
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-04-27
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 has violated my rights. 

XXXX XXXX Auto Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX  XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX5 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 2024-04-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC (CA)

On XX/XX/2024 my car was taken from my friend 's apartment community by XXXX XXXX XXXX. On XX/XX/2024 I called Westlake Financial to get instructions on how to get my car back. I followed those instructions on the same day by paying {$940.00} via XXXX XXXX XXXX. I also paid {$15.00} to the XXXX XXXX 's station for a Repo receipt. On XX/XX/2024 I confirmed with Westlake Financial that my payment had been received. On XX/XX/2024 I confirmed that the finance company sent a release paperwork for my vehicle to XXXX XXXX XXXX. I called to make arrangement to pick up my car and XXXX XXXX refused to release my car and told me I had to wait until XX/XX/2024 to pick up my car despite my financial hardship. On XX/XX/2024 XXXX XXXX XXXX called me and advised me that they canceled my appointment to pick up the vehicle and I would have to make arrangements with the finance company. Since XX/XX/2024 I have made several calls and sent a few emails to Westlake Financial in order to resolve this issue and to get my car back. On XX/XX/2024 I spoke to a Detective at the XXXX XXXX Police station and he told me that this is bad business and it's the responsibility of the finance company to make XXXX XXXX XXXX release the vehicle. As of today XX/XX/2024 at XXXX XXXX, there's still no resolution from Westlake Financial. I have left 3 messages for a supervisor and no one has called me back. The last time I called today the representative said he had no information as to when this will be resolved. This is day number 5 without access to a vehicle that I paid for.
Consumer complaint received 2019-08-11
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascendium Education Group (GA)

This account was placed for collections incorrectly. I have attached proof that this loan is in good standing with XXXX. I have also spoke with a XXXX rep, who made it clear to me that this debt is current and in good standing. Ascendium has threatened to garnish my wages and has harassed me over a debt that is incorrect.
Consumer complaint received 2019-08-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (PA)

I had no idea there was a judgement against me I received notice in the mail XXXX my niece I take care of told me she went to the bank and she gave me a notice a writ of execution was on my bank account.She stated they also have frozen her bank account she is under age.I was told from Midland Funding LLC this debt was with XXXX XXXX they indicated i declined to appear in court XX/XX/XXXX.I was told a court papers was left at my residence I was out of town when they said the notice was left XXXX. I was out of town have my airline ticket to prove i was not in town.The actions of this creditor severely crippled my normal way of life which is preventing me from handling executing my daily finances.
Consumer complaint received 2019-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

On or about XX/XX/XXXX refinanced my childhood home with XXXX XXXX XXXX in the amount of {$52000.00}. I paid a premium of {$600.00} at closing for Title Insurance to XXXX XXXX XXXX XXXX XXXX. The loan was set up with XXXX XXXX. Then sold to Ditech Financial LLC Servicing. The loan is backed by XXXX XXXX. On or about XX/XX/XXXX my new neighbor informed me that my property was landlocked aka no ingress or egress. XXXX XXXX XXXX would not help or give any hope of resolving the issue. Then on XX/XX/XXXX at XXXX XXXX my home received 7 1/2 feet of water and stayed under water for 14 days! As of todays date XX/XX/XXXX it has been 741 days and still not back in my childhood home and still landlocked! The home received {$100000.00} in damages with only {$42000.00} in flood insurance. The XXXX cashed out in the amount of {$42000.00} payable to Ditech and myself in XXXX of XXXX. Ditech would not release the proceeds. Went into forbearance. The Texas General Land Office and FEMA forcing me to pay {$680.00} rent on a travel trailer. The house note is in the amount of {$510.00}. That includes property taxes, insurance and flood insurance. The property has 3 different Elevation of Certificates the one I paid for claimed that the property is in zone C, the County and City said it is in zone B, XXXX XXXX, XXXX and FEMA said it was located in zone A-12. On XX/XX/XXXX Ditech sent me a letter stating that they could not help me with the landlocked issue. Ditech said I was in forbearance so I used some of the monthly payments to try getting back in the home and then received a Notice of Default to be cured by XX/XX/XXXX. The Title Insurance Policy in the amount of {$52000.00} has been paid out to an unknown company while the property is still land locked and uninhabitable!
Consumer complaint received 2021-01-29
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. (GA)

I am full of mixed emotion. I have been consistently denied for auto loans, mortgage loans and by credit card companies! After being denied a considerable amount of times I decided to review my credit report. The things I came across when viewing the items being reported frustrates me. My credit report is full of errors and accounts that do not belong to me. I have prior experience as an attorney so I am familiar with how laws work. According to FCRA section 609 you are required to provide me with an original application bearing my signature from each creditor reporting negative information on my credit report. If I am not provided this information within 30 days all items are suppose to be removed. I am confident that these items will be removed because the original application bearing my does not exist because these accounts do not belong to me. If needed I will take legal action for the errors. According to 15 U.S. Code 1681 - Congressional findings and statement of purpose the banking system works operates off of credit reporting agencies reporting accurate information. So it is in you best interest to always assure that any information being reported is accurate.
Consumer complaint received 2019-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LoanHero, Inc (FL)

I received an email from this company that I could not open. I sent email to medical coordinator at a doctor office. On my first time at the doctors office I signed documents but none of them was this company, loan hero. Their contract was signed by the coordinator and not me. I never consent, agreed, or even seen any part of their contract until about one year later when XXXX XXXX provided me a copy. Their contract was signed st the doctors office on a day I was not there. This means it was signed by the office and not me. I never signed or agree with this company loan.
Consumer complaint received 2019-08-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. 

I have contacted the bankruptcy court that the respective credit bureau is advising " verified this information as belonging to me and my file. However, upon response, the bankruptcy court advised that this ABSOLUTELY FALSE,  and they do not provide, share, or report bankruptcy case filing data to credit reporting agencies, nor do we update information directly to the credit bureaus. THIS BUREAU HAS OUTRIGHT LIED ACCORDING TO THE DOCUMENTATION PROVIDED TO ME. I have sent the bureau a letter, certified mail with a copy of this letter, as well as a copy of my postmarked envelope as proof of receipt of this document. The certified tags are ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ) was received by their office on XX/XX/2019. 
They have yet to delete this from my credit reporting file.
Consumer complaint received 2019-08-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. 

Since this company 's repeated failures would indicate an inability to provide me with validation as in accordance to the FDCPA, I demand that they cease all collection activities, close this account, and cease any and all reporting to all credit bureaus. I demand an immediate deletion to all credit reporting agencies. I demand that this be acknowledged and provided to me in writing for my personal and legal review as well as for my records. 

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. 

The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC. (GA)

This company called XXXX XXXX say I have a open account with XXXX XXXX. There is another company who is handling this case I filed Bankruptcy in 2011 the account XXXX XXXX has was discharged chapter XXXX I do owe XXXX XXXX money but not from XXXX XXXX that credit card was paid off or discharged
Consumer complaint received 2020-09-04
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. (CA)

In XX/XX/2020 I file disputes against all 3 credit bureaus. I know that they are supposed to reply within 30 days it has been over 30 days.I understand that company are working from home and are understaff but the law is the law and should still be done within 30 days.
Consumer complaint received 2020-06-04
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. (TX)

These inquires below are not authorized by me. 

Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX   Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing
Consumer complaint received 2019-08-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. 

I have contacted the bankruptcy court that the respective credit bureau is advising " verified this information as belonging to me and my file. However, upon response, the bankruptcy court advised that this ABSOLUTELY FALSE, and they do not provide, share, or report bankruptcy case filing data to credit reporting agencies, nor do we update information directly to the credit bureaus. THIS BUREAU HAS OUTRIGHT LIED ACCORDING TO THE DOCUMENTATION PROVIDED TO ME. I have sent the bureau a letter, certified mail with a copy of this letter, as well as a copy of my postmarked envelope as proof of receipt of this document. The certified tags are ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ) was received by their office on XX/XX/2019. 
They have yet to delete this from my credit reporting file.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

1. XXXX was added to my credit report in error. This is not my account and I have never paid late. 

2. XXXX this is not my account. I was a victim of identity theft. 

3. XXXX  XXXX the balance on this account is incorrect and I have never been late.
Consumer complaint received 2022-04-02
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. (WI)

I have tried contacting to remove these inquiries from my credit report now I'm trying again there was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have the following problems that need to be investigated, unauthorized inquiries, previous addresses and employers that are not true and charge off account that is not correct and an account that is not mine, a letter is enclosed that explains everything
Consumer complaint received 2019-08-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC. 

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE. 

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX XXXX CA XXXX 1. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2. VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11.  NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX *XX/XX/2019 XXXX XXXX* ACCOUNT XXXX
Consumer complaint received 2018-10-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I had a stopped payment on a check for {$380.00} but usaa let the check go through causing my mortgage payment to bounce. I was unable to make a deposit at the XXXX ga atm. But they told me I had to just get a money order which I did. I deposited the check using my XXXX   but to make problems worse they hold {$260.00} of my money. Then this new problem arise with this {$380.00} coming out when I had a stopped payment to. There is always somebody at the bank causing you financial issues and things to bounce. Somehow the stopped payment fell off.
Consumer complaint received 2021-02-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (TX)

On XX/XX/2020 I closed on a house with a sales price of {$380000.00}. I was required to bring an addition $ XXXX to closing to fund my escrow to pay the tax bill for 2020. I made multiple attempts to Cornerstone Home Lending, Inc. for justification for overfunding my escrow account and was told that if I did not bring the money to closing then I would not be able to close on our home. I was also told that " just bring the money and if it is incorrect you will get a refund ''. I did not agree with this decision, but I was threatened that if I did not comply, I would not be able to close on the home, so I brought the money. Two months later after the tax bills were paid in XX/XX/2020, there was a balance of {$9200.00}. After multiple emails Cornerstone begrudgingly began the process of re-estimating my escrow account contributions. Today, XXXX XXXX more than four months after closing, I received an overage check for {$6000.00}. And out of spite to my consistent demand that they refund my overage from my escrow account, Cornerstone Home Lending , Inc. has now increased my escrow by another {$130.00} per month. I asked them to provide me the appraisal value for which this increase was required and they refuse to give me that information. I have provided them with the Homestead Exemption and the current appraisal price of the home, which is {$32000.00} more than I paid for the home. Even using the {$410000.00} price of the home the total taxes will be {$7800.00}, but Cornerstone Home Lending is accumulating in my escrow {$10000.00}. When I calculate the taxes at the sales price of {$380000.00} the necessary funds needed to pay the taxes is even lower, {$7100.00}. This is will result in another overage in my escrow account of {$3000.00}. I have made several phone calls to Cornerstone Home Lending , Inc. and left messages, but I have not received a single call back. Cornerstone Home Lending, Inc is fraudulent in calculating my escrow and I can only imagine that I am not the only home owner they are withholding addition funds to overfund their mortgage accounts. Cornerstone has refused to admit fault in calculating my escrow overages and still refuses to calculate the escrow requirement using my Residential Homestead Exemption. I paid {$380000.00} for my home and it is completely reasonable to understand that I will protest the appraised value of {$410000.00}.
Consumer complaint received 2019-08-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Update to a complaint from late XXXX, Bank of America overdraft fees now elevated to {$210.00} in the last thirty days. 

Bank of America customer service claims that due to prior federal law enforcement intervention they are required to " treat all customers fairly and equal '', and that recent bank policy prohibits them from reversing more than {$140.00} in overdraft fees in a year. Cited extenuating circumstances due to faulty administration of a XXXX XXXX Trust, no regard for that whatsoever. 

Extenuating circumstances : Trustee refuses to disburse since XXXX of 2018 and demands I properly budget my Social Security and use government services designed to help the XXXX, causing severe global problems related to my welfare. Matter under investigation by Adult Protective Services and XXXX County District attorney 's office. 

Bank of America has not treated me fairly or equally.