davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance Owed : {$67.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-09-07
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. (AL)

On XX/XX/XXXX, Equifax provided a XXXX XXXX XXXX score of XXXX to XXXX XXXX XXXX XXXX. ( Order XXXX ) The factors adversely affecting my score included : 08 Too many inquiries in the last 12 months and 11 Amount owed on revolving accounts is too high. 

Both these factors have been used by Equifax for the past three years and CFPB complaints filed. Multiple disputes have been filed with Equifax and each time Equifax has declined to change the information ( score or factors. ) However, there have been less than three hard credit reports in any 12 month period and since XX/XX/XXXX, I have had zero revolving credit accounts with any monthly balance. Of the two credit cards used, both are paid in full monthly, usually prior to receiving a statement. 

Equifax has consistently provided the same inaccurate adverse factors for more than two years and has repeatedly failed to make any corrections.
Consumer complaint received 2017-10-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

I am paying my mortgage to Caliber Home Loans. I am a XXXX 's Hurricane '' XXXX Victim and was offered an special forbearance program by Caliber, where they allowed me not to pay rent for XXXX, XXXX and XXXX XXXX I could pay the escrow, it was fine if not no problem. I paid escrow for 2 months already. 
I am trying to do a refinance in my home. XXXX weeks ago I paid a car loan and a credit card, in order to get my XXXX XXXX little higher and get a better negotiation. 
my score was XXXX and today XXXX is XXXX. 
I checked all my reports with XXXX XXXX XXXX  XXXX XXXX and found out that I have Caliber homes as an adverse account.on all XXXX bureaus. 
talked to them and said that this is something I have to deal with the credit bureaus, not with them??? 
WHEN they offered me that program, I asked if that was going to affect my credit and was told no. 
I been receiving letters from their collection dept and called, just to make sure there was no problem and was told by XXXX people already that do not pay attention to that, because that was sent by a machine??. 
I do not know what else to do, but I feel that they are discriminating against us. 
I already filled a dispute with XXXX credit bureaus XXXX and XXXX XXXX. I probably will also file a complaint with the BBB IN XXXX. and XXXX I hope that you can help us with this situation. 
IAppreciate the attention to this matter. 
XXXX XXXX XXXX
Consumer complaint received 2017-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc. (OH)

I HAVE A LETTER FROM XXXX XXXX XXXX STATING THE BILL WAS TAKEN CARE OF SEEING IT WAS A MILITARY RELATED INJURY. I HAVE CALLED MANY TIMES BUT IT CONTINUES TO STAY ON MY CREDIT XXXX REPORT.
Consumer complaint received 2017-06-29
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. (VA)

My complaint does n't really fit your categories. My credit score is high but in my opinion it should be the very top number.
My concern is how the credit agencies decide on my credit score. I have never been in too much debt, have always paid any and all bills on time and I am rarely in debt for anything. Because I do not have a credit balance on which I must make payments ( which I certainly have in the past ), points are deducted. Because I have applied to various things ( in the most recent years ) for preapproval for a home loan and my credit is checked, points are deducted. I do not understand why I am penalized on my score because 1 ) I have no debt and 2 ) someone or some entity has checked my credit score. Why am I not at the highest possible rating? I 'm penalized if I have debt and penalized if I do n't have debt. Something is wrong with this system.
Consumer complaint received 2022-09-08
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. (PA)

On XXXX, I wrote to these companies requesting an investigation into items that I believed were INNACCURATE. To date, I have not received a reply or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. These Accounts are in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy these Bankruptcies shouldn't be on my credit/consumer report. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave them any written consent to report anything on my consumer reports no consent is identity theft. I have also attached a letter from the bankruptcy court stating they did not give my information to the credit buearus.
Consumer complaint received 2016-08-28
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

We are sending a Notice of Error as noted below. 
On XXXX XXXX, XXXX we requested the loan to be de-escrowed from the account. 
On XXXX XXXX, XXXX the cancellation for the ecrow account was granted. However, as of XXXX XXXX, XXXX we have not received a revised statement on XXXX XXXX, XXXX showing how much we needed to pay monthly that due on in 15 days or a refund because our Escrow was cancelled. 
From our records it shows that the Statute of Limitations has expired for the debt. As required by New York and Federal law, Ocwen Loan Servicing , LLC has not provided a disclosure statement before accepting any payment. Furthermore a disclosure was not provided in the communication accepting our monthly payment. This loan in question is not enforceable as part of the Fair Debt Collection Practices Act On XXXX XXXX, XXXX XXXX XXXX Department received proof of payment we made from XXXX XXXX through XXXX XXXX that was not applied to the account along with proof that Ocwen was servicing the loan in XXXX XXXX. This information in noted on the credit report. 
On XXXX XXXX, XXXX XXXX Securities and Exchange Commission, XXXX XXXX XXXX XXXX XXXX XXXX and Ocwen Loan Servicing LLC received proof of payment we made along showing that payments were accepted by Ocwen that was not applied to the account REQUEST FOR PAYOFF STATEMENT PURSUANT TO 15 U.S.C. $ 1639g of TILA 7 ( seven ) business days to respond Please provide an accurate statement of the total outstanding balance that would be required to satisfy the above obligation in full as of date no later than 7 ( seven ) business days from the date of the letter. This request is also being made in pursuant to 12 C.F.R 1026.36 ( c ) ( 3 ) Regulation Z. Please provide this information within 7 ( seven ) business days We are requesting a Satisfaction of the debt you alleged we owe, Refund from the our monthly overage payments and a A Payoff Request OCWEN LOAN SERVICING , LLC IS IN VIOLATION PURSUANT TO 12 C.R.F 1024.36 of REGULATION X A updated Monthly Statement Refund from the Escrow Account
Consumer complaint received 2021-09-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I was approved for a mortgage on XX/XX/XXXX and it was a XX/XX/XXXX loan with an adjustable rate. I was approved for a mortgage for a home that based on my very low salary I should have never been approved for. My rate adjusted and I could no longer pay the mortgage and now 15 years later they are trying to put a lien on the property. The loan was for 20 % this is a predatory lender that seeked out low income customers.
Consumer complaint received 2017-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK (IL)

I am using TCF bank checking account. I have never consented to opt-in rule ever since I opened the account in XXXX, but I have just found out that they automatically put me in these option. And there was XXXX transactions ( credit card payment ) when I did n't have enough balance in my account. But the bank charged me {$74.00} for those XXXX transactions. I called the bank and explained the situation, but they did not apologize their arbitrary action, which is the violation of the law, and still insisted to charge me for the transactions since the transaction, which is credit card payment ) is related to my bank account. I do n't get it. If there was not enough balance in my account, they should have declined the transaction rather than charging me overdraft fee.
Consumer complaint received 2021-04-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT OR INQUIRIES or none of that. I XXXX XXXX yes the real deal XXXX XXXX, not anybody else but me XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to at all. I am a victim of identity theft and I believe my information is being used by very very bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is damaging and is hurting my ability to purchase a home for me and my baby girl. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my daughter a house one day. please resolve this matter quickly and I mean very quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose. 
15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint.

15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed and yes this is real me XXXX XXXX, I did not have anybody else involved when I prepared this letter so that means no unauthorized person has typed this for me. IT WAS SOLELY ME XXXX XXXX who is sending you this so no stall tactics please or I will use it in my litigation case.
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (FL)

I signed up for the American Express XXXX card with a bonus of XXXX membership rewards points after meeting the minimum spend. I met the minimum spend and was given the XXXX points. Three months later Amex took the points back. When I called I was told it was due to " returned products. '' There were never any returned products. The CSR agreed with me and told me they would open a case and I would hear back within XXXX5 business days. I never heard back.
Consumer complaint received 2017-10-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MA)

I am an XXXX woman and was told that the best rate was being given and I was going to have to pay for closing and the rate was going to be lower than it was. They sent the agent over to my house to go over the paperwork for me to sign. I have n't received my copy at this time yet. So why looking at and listening to what he was saying. I said I did n't want to proceed. That it was n't what I was told and it did n't seem like it was going to be the best thing for me. I was then informed that I can sign the forms and have time to not accept or cancel them. After I spoke to Quicken loans. When I contacted them they said it was to late. That it was already done. I told them that I was told I had time to speak to someone about this. and was told again its to late. XXXX XXXX. XXXX XXXX contacted me and told me that he was going to keep going back and forth with me, That its already set and done. That I had 3 days to think. And the check was in the mail. If they count the weekend as days to think and not answering the phone Monday morning. I just do n't know what to do or say. But this deal I did n't want or would of considered. I thought it was a type o and they where going to fix it
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NJ)

Experian has refused to provide a copy of my free annual credit report to me, despite the fact that I requested it once or more since the beginning of this year. Recently, on XXXX XXXX XXXX, Experian provided a credit score ( of XXXX ) for me to a potential lender for a mortgage loan, XXXX XXXX XXXX XXXX. Experians credit score was  significantly lower than that provided by another credit bureau to the same lender with a better reputation than Experian has. Given Experians refusal to provide me with my free annual copy of its credit report, and its multi-year, known record of carrying false information in my credit file for over a decade, I ask the CFPB to force Experian to provide me with a copy of my credit report immediately. Furthermore, on XXXX XXXX XXXX, Experian provided a FICO score for me of XXXX to XXXX XXXX, one of my credit cards. Why is Experian allowed to engage in such unfair, deceptive, misleading and abusive practices? Why is it allowed to divulge to my credit card company one score while providing a secretive, significantly deflated score to a potential mortgage lender? I can not protect myself against such gross abuse. I froze my credit report at another credit reporting company years ago. It is the same agency that provided the best credit score to XXXX XXXX recently. Although I repeatedly asked Experian in writing to freeze my report, it refused to do that as well. Its failure to freeze my report upon request violates my rights under fair credit reporting laws. It makes it easier for Experian to traffick in my personal information for profit and allows inaccurate information to get into my Experin credit report more easily than if my report were frozen. I fully expect that inaccurate information in my Experian credit report is suppressing my credit score with it, but have been denied the right to review Experians credit report on me. Since I am seeking a mortgage loan, I need to get a copy of my Experian report immediately, without Experians usual delays and evasions in providing it. Please force Experian to release its report on me to me immediately so that I can correct the false information it probably has in my file. Please also force it to freeze my credit report, since this is the best protection I have against its unjustified, habitual injuries, and additional expenses and work it causes me. I am disadvantaged greatly by the secretive and illegal actions of Experian. I may face less favorable terms on a loan as a result of Experians violations of my rights under fair credit reporting laws, including my right to be able to see and correct false information it probably has, and repeatedly has had, in my credit report. Finally, please do not allow Experian to provide one score to a mortgage lender that is significantly less than what it provides to my credit card company.
Consumer complaint received 2017-06-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unique Management Services, Inc (TX)

I have never done business with XXXX XXXX XXXX XXXX. I do not have a signed contract not any contract with XXXX XXXX XXXX XXXX, I have the right to demand a copy of any contract between XXXX XXXX XXXX and myself.
Consumer complaint received 2017-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

Ditech has continually been trying to switch me to a escrow account when I have always been non-escrow and I pay my hazard insurance and property taxes seperately. In addition to me paying my own property taxes and hazard insurance Ditech has been sending duplicate payments to both and charging my account for them. Currently my account shows that I owe {$4300.00} in escrow when its a non-escrow account! Furthermore it is ruining my credit rating. After many phone conversations with Ditech they mislead me into thinking that they resolved the situation but the situation remains. For the second time in XXXX months they have again paid off my hazard insurance and tell me that I owe them this money when I already paid my hazard insurance - the same for the property taxes. I work full time and find myself contacting them almost every day which is putting my job in jeapardy.
Consumer complaint received 2017-08-18
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. (NJ)

We have had a personal loan through XXXX for almost two years. We have NEVER been late. We set this account up for automated payments through their website for the month of XXXX since we knew we would be out of state and unable to access the internet, banking or email. Upon arriving home on XX/XX/XXXX, we received notification that the XX/XX/XXXX payment was not received by them and they had reported us 30 days late to the credit reporting agencies. Due to our impeccable record, the mix up on the automated payment system and the fact that we made the payment as soon as we were aware ( XX/XX/XXXX ) we requested a ONE time credit suppression from XXXX. We feel that our request is reasonable but XXXX is acting unreasonable and will not provide us with a satisfactory or courtesy resolution.
Consumer complaint received 2023-01-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: LendingPoint Holdings LLC (CA)

First of all I was forced to secure funding for additional dental work in the middle of my appointment before they would complete the rest of my root canal. So not only was I forced to do this in the middle of my appointment but the amount of additional cost was misrepresented by {$6500.00}. My treatment plan cost XXXX. I received a XXXX for XXXX. With the requirement that I go to a certain dentist. My treatment plan was drawn up and started by one dentist and then I had a different dentist mid appointment suggest additional work be done. Not explaining the exact cost initially just that it was all necessary work ( which it was legitimate work that I needed ) but when they showed me the paperwork to sign mid appointment while my face is numb and Im laying in the dentist chair. The figures presented to me were roughly {$1500.00} difference. So my original plan was {$14000.00} or so and the new treatment plan was XXXX roughly. But these figures did not take into account my first payment of {$6500.00}. So Im thinking Im committing to less than {$2000.00} of additional work. When it was actually {$6500.00} + {$2000.00} = {$8500.00}.
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (OH)

COMPLAINTS AGAINST DISCOVER CREDIT CARD I CAN NOT REFILL OUT THE FORM IM SURE DISCOVER IS QUITE FAMILIAR WITH THE PROCESS. 

ONCE YOU FILL IT OUT ... YOU CAN NOT GET BACK TO IT ... 
UNLESS THIS IS THE VERY FIRST TIME THEY ARE REQUESTING CUSTOMERS TO FILL OUT THE FORM SPECIFIED. 

UPON RECEIVING THE EMAIL I WAS INSTRUCTED TO SIGN MY NAME. 

THAT WAS IT. 
I SIGNED MY NAME IN THE SPOTS ... AND SUBMITTED IT.. WHICH I HAVE ALSO UPLOADED AS PROOF. 

YET DISCOVER STATING INCOMPLETE INACCURATE WHATEVER OTHER REASONS IF I NEED TO FILL SOMETHING OUT THAT I WAS NOT INSTRUCTED TO UPLOAD THE DOCUMENT HERE SO I HAVE PROOF OF DOCUMENTATION. 

FOR MY SAFETY AND RECORDS. 

IT SEEMS LIKE YOUR STATEMENTS ARE NOT COMPLETELY ACCURATE OR FAIR MAKING IT SEEM AS IF I HAVE TOTALLY DISREGARD ANY OF YOUR DEMANDS .... 

COMPLAINTS XXXX-XXXX  XXXX-XXXX
Consumer complaint received 2017-10-20
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: JPMORGAN CHASE & CO. (TX)

XXXX XXXX and chase still turns me down what do they need a perfect score cra violation for reason and hippa XXXX has XXXX up my report totally this need to be corrected right away
Consumer complaint received 2017-10-20
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: EQUIFAX, INC. (GA)

I have contacted these companies and the bureaus on several attempts an got no results. These accounts are reporting inaccurate on my credit. The accounts accounts are XXXX XXXX, XXXX XXXX, XXXX XXXX department of education, XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX