davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I have already filed one complaint with you, you said you heard from the lender and it usually takes 60 days to get resolved so I waited and logged in approx. 40 days later to see status and you had closed account. you received misleading and wrong information from the lender as I keep doing now. the lender has caused a hardship in ruining my credit with wrongful reporting but caused a hardship to the buyers as well they aren't able to do any on their home because of this lien. it all started in XX/XX/XXXX shortly my husband had passed I tried to resume which I did on time payments for a long time but started struggle as loan fully indexed to principal and interest payments and the heloc also went up. I asked the lender multiple times both in writing and verbally to drop my impound account this would have made the pmt more manageable however they didn't so I was forced to sell the home. in XXXX I knew we were selling the home so I told Ditech to credit my impound account to the XXXX payment they did not in late sept. early XXXX they sent a pay off demand to escrow ( they had plenty of time to add the XXXX interest ) but for some reason they didn't. escrow paid them off short the XXXX payment I spent the next months when notified asking them to release the impound account they never did again in writing and verbally. I received threats and payment request in excess of XXXX they change weekly not knowing the amount to ever send in by the way the payment was only XXXX short. Once I notified you guys they did send me a letter and spoke with a supervisor who gave me a pay off until XX/XX/XXXX and told me to wait and send in after I send impound account letter to them via fax I did that they received but never sent me new letter. they sent you the same pay off but prior to the XX/XX/XXXX I received a letter certified dated XX/XX/XXXX asking for XXXX + again. now it appears they took my impound account paid the new buyer taxes for them last month go figure now they owe me my impound account back and I owe them nothing for this stress. please review and take time each letter received and see the contradictorily dates have them reconvey the mortgage at once like they should have in the beginning for the buyers have them do their due diligence which is correct and legal and please shut them down they are preying on the elderly and the misinformed. the 3rd attachment has multiple letters attached please read in its entire and see how they conflict on and contradict each other the last few are fax confirmations that they received the impound request and note they made acknowledgment to you that they acknowledged we asked them to credit the impounds to XXXX payment they even tell you they received directions and acknowledged that in the their repose complaint to you under file complaint attached.
Consumer complaint received 2021-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Unauthorized inquiries on my XXXX And TRANSUNION consumer report. Ive filed ID theft already and they have not assisted me properly. The account number for the collection account on XXXX is XXXX. They failed to verify the information prior to adding the information to my consumer report. It is also stated on the account summary that the account is a medical bill and that is also against the law
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NM)

Equifax is completely unwilling to help me fix an issue with my equifax.com login. 
I have been calling for two weeks and I keep getting hung up on when the customer service associate exhausts attempts to unlock my account. 

I have spent hours on the phone trying to resolve this and they keep saying they will escalate it to tech support but every time I call they say they don't see a case number. I don't know what else to do at this point. I am trying to access my account because I am trying to buy a home.
Consumer complaint received 2019-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Between XX/XX/2019 and XX/XX/2019, a company called " XXXX '' made many fraudulent charges on my account ( account no. XXXX ). This company had been engaging in fraud according to many news sources of similar nature to the charges on my account. See attached news article. 

The total fraudulent charges were for {$320.00}. 

Although Bank of America does not dispute that the charges are fraudulent, they denied the claim on the basis that I did not " immediately dispute '' the charges. 

As noted my correspondence dated XX/XX/XXXX, " I keep very high balances and make very large deposits and charges of that small size would not be noticed immediately ; and any bank charges and/or deposits would not be reviewed until the ordinary account reconciliation that is performed every 30 days. This fraud was detected in 17 days. '' Despite this fact, Bank of America denied the claim. I documented my phone call with Bank of America in my XX/XX/XXXX correspondence and stated : " It is my understanding from XXXX ( ID # XXXX ) and XXXX ( ID # XXXX ) in Claims that my claim for the fraudulent XX/XX/XXXX charges was denied on XX/XX/XXXXon the following basis : ( 1 ) the charges occurred between XX/XX/XXXX XX/XX/XXXX, and that I logged ontomy account during that time and did not immediately dispute the charges ; ( 2 ) there was no aggressive usage or urgency to drain the account ; and ( 3 ) the charges were not in line with a fraudulent pattern. 

I appealed this decision and received a letter from Bank of America stating that they have " closed this claim. '' See attached. 

I am requesting help from the CFPB to have these fraudulent charges reversed and returned to my account.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (FL)

I applied for a PayPal credit account on XX/XX/2017 and was approved for a credit line of {$400.00}. Shortly after, and without notice, my credit line was rescinded by the creditor, PayPal Credit ( DBA XXXX XXXX XXXX ). However, they still allowed me to pay back the amount used ti purchase the air fare, which was {$270.00}. I have paid the balance in full but noticed this account has not been reported to the credit bureaus.
Consumer complaint received 2021-12-01
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: National Credit Adjusters, LLC (CA)

While looking over my credit report I have XXXX collection accounts as follows 1. XXXX account number # XXXX 2. National Credit  account number # XXXX 3. NCA Credit account number # XXXX I contacted the first one XXXX and they tell me they are only the bank and have nothing to do with reporting to the credit bureaus, even though they are listed on my credit report. They told me to call XXXX XXXX  because they are the ones who own all THREE of these SAME accounts, keep in mind this negative account is reporting 3 times on my credit report, it's all the same account, this is a clear violation. After calling XXXX XXXX they tell me they have no information on this account because it was sold to XXXX XXXX XXXX XXXX XXXX whom once again are not listed on my credit report. I called this company XXXX and they don't answer their phone and DO NOT return my calls/messages. I have written letters to all three credit bureaus as well disputing this account reported 3 times and they did not help either. my goal is to have these 3 eroniuos and violations removed at once, before filing a law suit.
Consumer complaint received 2019-03-16
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: EQUIFAX, INC. (CA)

Equifax recently did an investigation on my credit profile for an alleged debt with XXXX XXXX XXXX. In the conclusion of the investigation it was concluded that the item was deleted and now has been placed back on my report and has dropped my score tremendously.
Consumer complaint received 2023-07-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/23 I sent a letter to received validation for an account on my credit report under XXXX XXXX. I never received a response, and I just checked my new credit report and not XXXX, TransUnion, or XXXX updated this to in dispute. I know that this is against the law.
Consumer complaint received 2022-01-16
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. (TX)

My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the XXXX act should not cause this action as informed to me by the banks. 
I have asked the company to restore my credit score back to XXXX. 
This is yet to be done.
Consumer complaint received 2019-03-16
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. (TX)

Credit Bureau is FALSELY reporting " Serious Delinquency '' on my credit report and for inquiries that is affecting my credit worthiness and credit score when all of my accounts are in good standing and have been so for more than seven ( 7 ) years.
Consumer complaint received 2018-02-20
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. (MS)

XX/XX/2017 XXXX XXXX XXXX placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report immediately.
Consumer complaint received 2018-02-20
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. (FL)

I have inquiries on my credit report that I did not authorized. I also do not have a account with any of the following companies below. 

XXXX XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

This company Equifax a contact more of XXXX times complaining open dispute information they reported inaccurate outdated account status charge off charge past due erroneous and incorrect A request a fair dispute process I have the right to an accurate credit file and discrepancies like this are unacceptable.
Consumer complaint received 2019-03-16
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: Experian Information Solutions Inc. (TX)

Credit bureau is FALSELY reporting " Serious Delinquency '' on my credit report when all of my accounts are in good standing and have been so for more than seven ( 7 ) years. This term is defamation of character and this false information affects my credit worthiness and credit score.
Consumer complaint received 2018-02-20
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: Experian Information Solutions Inc. (FL)

I was laid off XX/XX/2011 and my last contact was XX/XX/11. Listed twice on all 3 credit reports by them and they sold debt to another lender. Re-Aging is illegal per FL Statue 5 years remove item from my credit reports. Mailed letters to inform them of this and they have not removed off credit report. Asked them to validate this debt and I have not hear from company at all.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have sent XXXX of XXXX NC several certified letters to have this resolved and i have also wen in person and made several calls, but no one has ever 
esponded to anything have tried to do. I see on my credit report that this account is listed as open with a balance and to be honest the car was a lemon and i had to have several repairs on the car i was told if i just give it back we will call if even. but i see now that they are reporting incorrect information and i have tried for years and so many time to get this fixed they wont call back or even write a letter back i see that someone signed for the letter of dispute. I really need help this is unfair i have reached out to your company for help before but i have not or maybe don't understand what's going on. Please help me i have tried so hard to get this fixed. 
Thanks so very much signed a person being honest and trying to fix the wrong that has been done to me
Consumer complaint received 2023-03-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I have submitted 3 letters to all three credit bureaus demanding they remove several incorrect inquiry 's as well as 2 late payments that did not occur. I know I have a right to see the written documentation they used to verify the inquiry and supposed late payments. They have not provided this in the last 3 letters I've written. 

I have no other choice but to take legal action against them as it has caused me real financial harm and distress. 

I would like to file this complaint and see that the maximal penalty handed to these companies for their failure to comply with the FCRA.
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I recently had my Citi Costco Credit Card account limit lowered. This has been after a year of paying on time after a bad year with the pandemic. I then put {$700.00} on my Credit card to loosen some room on XX/XX/XXXX. I had in the money in my XXXX XXXX XXXX Bank Account, and Citi decided to place a " float '' on my payment for TWO WEEKS while they decided if I had the money or not. 

This is the second time this has happened to me with Citi, which seems to do it on a whim.
Consumer complaint received 2022-01-16
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: Experian Information Solutions Inc. (NC)

These hard inquires are hurting my credit o have called the bureaus and explained my car is paid for Im not sure why some many card inquires for my cars I brought my vehicle with cash I have over 13 hard inquires please remove
Consumer complaint received 2021-09-15
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: Amsher Collection Services, Inc. (CA)

have never done business with this company who has put an 11 year old debt on my credit report that isn't even mine. when i called the company they said that they would not be taking it off my credit without a payment. this is a violation of 15 usc 1681n
Consumer complaint received 2024-04-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC (FL)

This was a debt from a company that I used to be a partner with, I sold my portion of the company and now XXXX years later, I got a collection reporting on my Credit Report. 

Even though it was not my debt, because it is hurting my Credit and was from my old company, I decided to pay it and had an agreement with a manager that if I paid it, they would remove it.

Please see attached the letter form the collection company along with proof of the transaction.

I would like this removed from all XXXX of the Credit Bureaus please as soon as you are able to see proof of this payment.
Consumer complaint received 2018-02-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (FL)

I sent Validation letter via certified mail and was received by company on the XX/XX/XXXX. Im response the company could not properly validate debt. The petitioner also released PHI to this third party. They should have required a release of information and I did not sign one with the above company. Regardless, the company could not provide proper validation and only sent an itemized statement
Consumer complaint received 2018-02-20
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

i was added to my husband XXXX XXXX XXXX 's account at Kohls department store as an authorized user a few months ago. He had a high balance when i was added. The next month i asked to be taken off account as a user because the balance showed up on my credit account and lowered my score. They took me off the account. It still shows a high balance of XXXX on my account as an authorized user on credit reports. I have since in the last few days opened my own account at Kohls in which it does not show up yet. But i want my husbands account balance off my credit report - please.
Consumer complaint received 2022-05-01
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: ERC (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U. S. C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. I filed a dispute with experian the amount is {$380.00} and was reported on 4/27/2022.
Consumer complaint received 2019-03-16
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. (PA)

The credit card issuer - XXXX XXXX - has refused to notify the major credit bureaus regarding the updated status of my account even after the collection agency they retained to collect the debt, notified them that the account balance has been satisfied. The collection agency, XXXX XXXX, responding to a separate complained provided a letter confirming account balance satisfied. 

The credit card issuer has reported an updated comment " In collections/charge off '' which is inaccurate and further negatively impacts my scores. The issuer has submitted this incorrect update, after being notified of receipt of the full balance ( see attached ).
Consumer complaint received 2019-03-16
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Services, Inc. (CA)

I have received zero notice to collect the debt. NONE. I am homeless and have XXXX children. I have XXXX and XXXX  conditions which have kept me from attaining steady employment since graduation. 
I live in transitional housing and receive welfare. Why would you take a refund from my children??? 
Nothing but a bunch of monsters. I don't live in North Carolina anymore. My family that forced me to get these refunds took them I have XXXX from this abuse. I have no money in my pocket and we needed that money to eat. 
I would have gladly set up payments if I had been given some form of notice. 
I need my refund ( S ) back If they were in contact with me and not my abusers we would have no issues.