davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/22, I sent Equifax a dispute regarding personal information they are furnishing that is not accurate. Equifax is required by the Fair Credit Reporting Act Section 607 ( b ) [ 15 United States Code Section 1681e ( b ) ] to follow reasonable procedures to assure maximum possible accuracy of the information concerning me in any report they furnish. It appears they are not concerned with complying with the law as they have not deleted the inaccurate information.

I have notified Equifax that they are preparing consumer reports concerning me with inaccurate names and addresses.

Equifax only has 30 days complete their investigation as stated in the Fair Credit Reporting Act Section 611 ( a ) [ 15 United States Code Section 1681i ( a ) ]. Equifax did not ask for a 15 day extension, and is not notified me of them needing addition time. Therefore, Equifax is in direct violation of the Fair Credit Reporting Act. I still have not received any information from Equifax regarding my dispute. 

I did not give Equifax permission to furnish this information in any consumer file or consumer report concerning me. 

I also requested full disclosure of the consumer file concerning me in Equifax 's possession, and they have failed or refused to send me a copy as required by the Fair Credit Reporting Act Section 609 [ 15 United States Code Section 1681g ]. 

I provided Equifax with a copy of my ID and a current bill showing my address.
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MI)

I have disputed this DCI collections account for XXXX XXXX with all 3 CRA 'S multiple times both XXXX & XXXX have both deleted this account because its not mine and data furnished cant provide proper documentaion, it appears to be a blending of files with address or someone of similar name it was initially reported on my Credit reports XX/XX/XXXX XXXX XXXX then reinserted XX/XX/XXXX by DCI collections. I did not live at this address XX/XX/XXXX. XXXX has no record of the XXXX XXXX on my credit file XX/XX/XXXX, however XXXX XXXX does have a record and shows it on past reports, there not a offical CRA they just report what there given by the CRAS. I spoke to XXXX XXXX they confirm this was on my credit account info & lacked alot of information also the XXXX XXXX open date is different from DCI collection open date its possibly been re aged as well. I've spoke to XXXX they can not find this debt with my Soc Sec number or date of birth. I've disputed twice with XXXX it keeps coming back accurate and verified however XXXX & XXXX could not verify debt and have deleted..
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-04-02
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. (CT)

XX/XX/2018 Consumer Financial Protection Bureau Good afternoon : This afternoon I received an email ( see above ) from Experian informing me that my credit rating has decreased by 42 points. 

What I find troubling is that the change occurred 2 days after my husband spoke with a CFPB representative about a file our states banking department had forwarded to you, that generated a new complaint number ( XXXX ). ( The original CN is : XXXX ). 

Moreover, as their website shows ( copy attached ), my score has been increasing for I have increased the amount I have been paying, which made me suspicious that the decrease has more to do with my earlier complaint against them. 

Just so you know, the message on the customer service no XXXX only allows 2 choices both of which does not offer any option for assistance. 

In short that XXXX number is not really for customer service but an attempt to give the impression that they have one. 

Thank you for reading this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT. XXXX
Consumer complaint received 2017-09-02
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. (LA)

I have disputed the reporting of XXXX XXXX XXXX on my TransUnion credit report. It is being reported as " Charged Off ''. It was included in my Discharged Chapter XXXX, dated XX/XX/XXXX, case # XXXX My last dispute was in XX/XX/XXXX
Consumer complaint received 2018-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

My loan was recently purchased by Loan Care, it was previously owned and serviced my XXXX. 
As of XX/XX/XXXX my monthly mortgage payment went from a very manageable {$1800.00} and change to {$2600.00}. 
Loan care said its because Im {$9000.00} + behind on my escrows and because of an increase in my flood, homeowners, and taxes. 
XXXX XXXX, because I was on a HARP refi, kept my payment down to keep us in the home with a loan modification and an escrow spread of 60 months. 
LoanCare is spreading my escrows over 25 months, with other parts of my escrow account over 36 months, and other parts over one year, to my understanding. 
I could be wrong. 
My point is, the payment went waaaay up and I need it to be more manageable and they will not compromise even a little. 
I think Loan Scare wants to force us to foreclose. 
Real Estate is at a premium these days, I think theyre acting in bad faith. 
I asked them to spread those amounts over 60 months if possible, and they told me the lender will only do 25 months on the shortage and 36 months on the others. 
However, my figures show they are collecting an extra {$300.00} a month. 
I know that servicing companies and mortgage lenders dont need to increase your payment in that manner. 
My increase is almost thirty percent. 
That just about kills my monthly budget. 
We paid ourXX/XX/XXXX paymentXX/XX/XXXX, but now still owe XX/XX/XXXX and XX/XX/XXXX. 
I dont think they should be allowed to do this.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (PA)

I made a zelle transaction to a friend of {$100.00}, whom I sent to the wrong recipient. I used their phone number instead of their email, in doing so I called what I thought was XXXX customer service support phone number XXXX XXXX XXXX XXXX XXXXXXXX in attempts to try and reverse the payment. The person who played the XXXX representative lured me into sending {$490.00} to a name of XXXX XXXX and said to me that this was just a generated number to reverse the first payment I had initially sent to my friend. I only caught onto the scam once I realized the money had been taken out and they had me on hold to confirm funds were received. While back on the line with them I heard them taking screenshots and photos of my screen that I had shared with them which is also a dangerous thing I had done. They had even asked me to go to my XXXX ID settings so they can access more information. I was oblivious to this scam and to sharing my information with them in attempts to try and earn back {$100.00} all to lose {$490.00} on top of that. I filed a dispute with my bank M & T in hopes of receiving the funds back and theyve given me up to 30 days to hear back. I hope the CFPB can help many people like me to prevent scammers from taking hard earned money from people. XXXX should be more of a protected payment option instead being so easy and accessible for scammers.
Consumer complaint received 2021-11-03
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received my annual free credit report from Trans Union, XXXX, and XXXX  credit monitoring / reporting service. After obtaining my free annual report. I discovered each credit reporting agency had reported my name incorrectly, address incorrectly, etc. 
I notified each individual reporting agency of the issue. I submitted a dispute on each item I wanted verified and or corrected. I receive my report by mail today from Trans Union. Trans Union never corrected any of the information I submitted a dispute about. 
As a result this will allow individuals with similar names to possibly use my identity. This company also has my address listed as an apartment. I notified them that my residence is not an apartment and I have never lived in an apartment yet, they continue to leave incorrect information on my credit report. I need this matter investigated and corrected.
Consumer complaint received 2018-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NV)

I had been asking my mortgage company for help for 3 years starting in XXXX. My husband was diagnosed with XXXX. The 1st offer that they sent me was in the XXXX week of XX/XX/XXXX. They wanted the offer to start in XXXX but did not give me the paperwork in time period I signed it with the stipulation that they were gon na take money from funds they were holding due to a loss on our home. The next thing I received from them was information that I did not take their offer. I was transferred from 3 different people during this process I reached out to another government agency for some help because I'd already had a signed agreement. They had a for closure date set for XXXX. They postpone math while working on another offer for me both of these offers were {$500.00} more than my mortgage payment. Which didn't really help me but I was willing to sign or do anything to get back on track. The next thing I got from my mortgage company was a letter introducing me to another guy who is going to be handling my case and that was the XXXX week of XX/XX/XXXX Then I get a knock on my door on the XX/XX/XXXX stating that they had foreclosed on my home I have been fighting them asking them to resend it asking them to let me make it up asking me to get a new loan I really need some help here A fair resolution would be for them
Consumer complaint received 2023-01-10
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: Car Credit Inc (IL)

On XX/XX/XXXX, I filed a complaint against Car Credit for their unauthorized inquiry reporting on my Consumer Report, and the company responded on XX/XX/XXXX, stating there's no record in their database of me. 
Asking for the date of the inquiry, which was on XX/XX/XXXX, through XXXX and XXXX. 
Also, the company has asked me to provide a screenshot of the inquiry in which i have done!
Consumer complaint received 2021-02-22
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. (CA)

I have submitted several ( 5 total ) factual based disputes to TransUnion and provided documentation demonstrating and proving to TransUnion my dispute is valid ; however, TransUnion continues to report inaccurate information yet TransUnion has failed to properly investigate my disputes nor have they reviewed the documentation I have provided. 

All 3 credit bureaus are reporting different payment histories, different payment dates, and inaccurate dates last active. Each time I dispute the inaccurate information, each credit bureau indicates they have verified the information. If each credit bureau is reporting different information for the same creditor ( s ) how can the information be verified. 

I have the right to a fair and accurate credit report under the FCRA and if the creditor can not provide the credit bureaus with consistent accurate information, these items must be removed from my credit report. 

I have given the creditor and TransUnion several chances to properly report the information or remove the inaccurate accounts from my credit file and the credit bureau has failed to investigate my dispute, correct, or remove the inaccurate information from my credit report. 

See attachment " Disputed Accounts_TransUnion '' for list of accounts in dispute
Consumer complaint received 2020-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (TX)

Company keeps sending me Emails saying that my grandmothers XXXX account that Im the holder of has a balance of XXXX dollars unpaid. XXXX has been contacted they do not have anything sent to collections. I tried to call the company but you cant talk to anyone without giving the last four of your social which of course I do not feel comfortable with because I know nothing about this company.
Consumer complaint received 2020-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (IL)

My mortgage payment is about {$1100.00} a month. I made a payment in XXXX of {$1700.00} with intention of extra money to go toward the principal balance, the Dovenmuehle Mortgage company applied extra money to the escrow account instead of principal balance. They did it on their own with out my consent. This is not a first time they are not providing proper service on XX/XX/2020 I have made an extra payment in the amount of {$600.00} and company held a payment in the air until XX/XX/2020. I found out that they hold the payment in the air on XX/XX/2020 about this issue and it took several more calls for me in order for them to apply the money to there it is suppose to be applied. So my loan was accumulating interest all this time. Now it is a second time the money was not applied the way intended. It seems that this mortgage company uses people 's money as they please, and money they receive do not go to there people expect to.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I began disputing these items with XXXX XXXX, Experian and XXXX   beginning on XX/XX/XXXX. I sent follow up letters onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.
Consumer complaint received 2018-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TX)

XX/XX/XXXX, I applied for loan modification with DiTech I supplied all documents and had that confirmed by 2 Dutech employees on XX/XX/XXXX and on XX/XX/XXXX.

XX/XX/XXXX. I received a letter from DiTech stating that my modification had been canceled due to an incomplete application.

This is the third time that this is happening.
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (OH)

On Wednesday XX/XX/2023 I made several phone calls to Wells Fargo to first understand why I couldn't make an online account. My husband and I recently purchased a furnace through XXXX XXXX in XXXX. XXXX XXXX used Wells Fargo as their finance option. We spent {$4700.00} and went with the 18 month interest free payment plan. Upon receiving my account number from Wells Fargo I tried to create an online account to begin auto payments. I was denied entry upon entering in my Social Security # and account number. I called Wells Fargo to ask for help. These are my calls, times and interactions below : XXXX XXXX Was led by a representative in enrolling my account and was again denied access. I was transferred to another representative that told me in order to enroll online I needed to go to a Wells Fargo branch to show my ID. I wasn't told why this was or given any help when I asked if there was another way I could make payments. 
XXXX XXXX  : After researching where the nearest branch was I realized that there are no branches in the state of Ohio where I live or any surrounding states. I called back and was told again I needed to go to a branch no matter how far it was from me. 
XXXX XXXX : I called again to ask if there was anyway I could make ANY types of payments on my account via phone, mail, etc. I was told the only way to pay was to travel 100s of miles to make a payment in person. I was given no help after this. I was left frustrated, hopeless, and scared because I need to make payments on this.
Consumer complaint received 2021-03-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (TX)

Please see the attached letter with a detail of the chronology events in this matter. 

I have removed all of my personal information, but left the details of this matter. 

This is against PNC Bank National Association. They have not applied the payments received on my auto loan as instructed, nor do they try to resolve the issue. I became aware of this issue on Wednesday, XX/XX/2021 and it remains an issue. 

Furthermore, I have spoke to several individuals with PNC and they all have a different excuse as to why this was not handled properly. 

I can send you the exhibits which are proof of how this loan has been handled. These will need to be confidential since they have names and account numbers on them.
Consumer complaint received 2021-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

I have disputed an invalid debt that appeared on my credit report from XXXX XXXX XXXX that was opened as a collection on XX/XX/XXXX. The debt was through Enhanced Recovery account # XXXX for {$2100.00}, XX/XX/XXXX. This item was rightfully removed from my credit profile. This debt then reappeared XX/XX/XXXX was removed, and again through XXXX XXXX with a different account # XXXX, and amount {$2100.00} on XX/XX/XXXX. I was able to remove this item again, as it was obviously fraud by both agencies. This item then reappeared on XX/XX/XXXX, from XXXX XXXX
Consumer complaint received 2017-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

My funds have been frozen because someone said that a quick pay went into my account from their account in the amount of {$50.00} on XXXX XXXX, 2017 that they did not authorize. I did not notice the transaction it used to be you had to accept or decline a quick pay but that is no longer an option. I have not had access to my account since XXXX XXXX, 2017. I had over {$200.00} before the deposit and now I have over {$950.00} ( and that 's without the {$50.00} ) .ive called several times they say maybe by XX/XX/XXXX it will be released
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

I summited a dispute through XXXX XXXX, on XXXX XXXX, 2017, and also with XXXX XXXX. SANTANDER is reporting 30 days past due every month, on my reports. Which is making my credit look bad, I 'm really trying to build my credit!!
Consumer complaint received 2018-07-12
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. (TX)

XXXX XXXX  is listing two separate accounts as in a Charge-Off status. Both accounts have been paid in full. They did not correct their errors when I had requested them to do so.