davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (FL)

I recently received notification that my complaint was closed without any further resolution. This outcome has left me disheartened, as I believe a more thorough examination of my concerns is necessary. In a situation where inaccuracies impact one 's credit report, it is only fair to expect a diligent and comprehensive resolution.
Consumer complaint received 2020-05-05
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MA)

" I was shocked when I reviewed my credit report and found late payment on the dates below : WFDS - XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2020-09-19
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. (LA)

On XX/XX/2020 I sent a request to receive my free annual consumer report and as of XX/XX/2020 I have yet to receive any consumer report from any of the three bureaus.
Consumer complaint received 2020-11-18
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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

In XX/XX/2019, I traveled to XXXX for my Wedding ceremony and spent a month and some weeks. I missed a payment because, unfortunately, I couldn't log in to my bank from XXXX due to security reasons to make my payments. I immediately made that payment once I returned to the US early this year. I spoke with the representative of Toyota financial services and explained my problem. They referred me to the credit bureau, who referred me back to Toyota financial. I hope you can get them to remove this negative statement since they both agree that the circumstances were out of my control. I don't think it's fair to suffer for this error due to distance and security. I offered to show proof of my travels, my ticket to and fro. I employ you to please help me.
Consumer complaint received 2020-11-18
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. (SD)

I have tried to get my free annual credit report but have not been able to from XX/XX/XXXX. when you get to the verification section online, it asks for things that i never had like a car loan information and i have never had a car loan. It also asking for mortgage information and i have never had a mortgage ( never owned a home ). then it asks for credit account info with creditor I dont know of and have never had any account with, At least two of the three bureaus have the online feature set up to asks questions that don't pertain to me at all so that i can't complete the verification process and get to my credit report. Experian and XXXX  also have their online system set up to block you from logging in to dispute any of the inaccuracies or fraudulent information they post to your credit report just cause they feel like it and the credit bureaus don't thoroughly investigate the information before ( or after a dispute ) they start posting things to your credit report.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (VA)

On XX/XX/2021, my wife and I decided to payoff our mortgage being serviced by Amerihome Mortgage of XXXX, New Jersey. I called their listed customer service number and, after significant delays due to their audio response unit, we were able to talk to a human being, identified as " XXXX '' and, another later as " XXXX ''. I was given a payoff amount of {$360000.00} on account number XXXX. I specifically stated to XXXX that I would be putting a personal check in the mail for that amount the next morning with no comment from her. I mailed the personal check on XX/XX/2021, knowing that it would take the company necessary time to ensure the funds were available before clearing the mortgage. 

I watched their website for my account to be updated in some way. I looked at it regularly until deciding to call them on XX/XX/2021, concerned that I had heard nothing and the account was not updating in any way. I was then told by " XXXX '' that the check had been received, but that a personal check was not acceptable and they didn't process. I asked since I could make regular payment online, could I then pay it off online. That was not acceptable either. Only a wired transaction was acceptable. I asked him then could I go to my bank and wire that amount or did he need to recalculate. He said if he did then it would be more and I should just send the stated amount. I immediately same day went to my bank and wired {$360000.00} to Amerihome. 

The money was, of course, immediately taken from my checking account, but two days later I called Amerihome again ( always a painful experience due to delays getting to a human being ). I was then told by " XXXX '' that the wire was inadequate because it was now short. I asked to talk to a supervisor, but was told that would take some time and because they needed to " complete some paperwork '' before I could talk to a supervisor. I suggested they do their paperwork and have the supervisor call me. They said okay, but would be 24 -48 hours before I could expect a call.

I never got a call from Amerihome, but my local bank called the next day to say they had gotten the funds back by wire with no explanation and were crediting my account. 
Because it was Friday, XX/XX/XXXX, I elected to wait to Monday, today, XX/XX/XXXX, when I called Amerihome again and got a new payoff balance of {$360000.00} and required them to give it to me in writing by email. I received the email and immediately went to the bank and wired the request amount. Because of Amerihome 's bureaucracy and inefficiency, I paid {$400.00} in interest and {$60.00} in wire fees unnecessarly than if they had simply processed my check
Consumer complaint received 2023-01-31
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. (MD)

In accordance with the fair credit reporting act the list of accounts provided below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 SECTION 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681S2. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1692C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1692B. Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

15 U.S.C 1692D. Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

Privacy violations. 
Abusive of power and abusive of incorrectly reporting. 
Requesting a credit report for an impermissible purpose. 
Failing to follow proper debt dispute procedures. 
Furnishing and reporting old information. 
Furnishing and reporting inaccurate information. 

Multiples accounts reported on all 3 bureau XXXX. TRANSUNION. XXXX are incorrectly reported mixed dates and amounts, lates, derogatory and dates closed. 

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 2020-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Potentially Negativeshow tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX Dispute XXXX XXXX XXXXDispute XXXX XXXX XXXX.Dispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX all ftc violations
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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
Consumer complaint received 2023-01-31
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I would like to confirm the payment history and status of the account : XXXXXXXX XXXX Balance {$3400.00}. As I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation of this account and update for legal and lawful accuracy. Please investigate the way this account : XXXX XXXX XXXX  Balance {$410.00} ; reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy.
Consumer complaint received 2024-02-24
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. (AL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-05-05
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. (TX)

Potentially Negativeshow tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXX.Dispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX all ftc violations
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MA)

Several years ago I got a notice from XXXX that I owed them {$260.00}. There was no specifics attached to bill, such as date of charge or what was purchased. This was odd because I had never had a XXXX account. I did report this by phone to XXXX but I never got an acknowlegment. But bills stopped. Recently got notice from Jefferson Capital that debt had been sold to them and now they are trying to collect. They sent me a form to fill out but I am reluctant to give them my social security number. I have no other issues with identity theft at this time. I want their harassing letters to stop.
Consumer complaint received 2021-01-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

On XX/XX/XXXX, I submitted a Carrington Mortgage Assistance Application. On XX/XX/XXXX, Carrington Mortgage Services ( hereafter CMS ) sent me a letter indicating the application was COMPLETE. On XX/XX/XXXX, CMS asked for additional documentation via letter ( specifically 3 documents ). On XX/XX/XXXX, I supplied that documentation via email. On XX/XX/XXXX, CMS notified me via letter the application was INCOMPLETE ( although did not indicate what was lacking ). On XX/XX/XXXX, CMS cancelled the application via letter stating, Carrington did not receive all documents to complete loss mitigation review. You were sent a notification ( s ) outlining the specific timeframe you were required to send them to us. On XX/XX/XXXX, having sent all documentation requested by CMS, I asked via email for clarification on what documents were missing in order to complete the application. I also attached a copy of FHAs announcement of third foreclosure moratorium. I received no response to my inquiry. 

During this time period, I received Notice of Intent to Foreclose letters monthly, although I continued to pay my Principal and Interest timely. I did not pay the additional amounts listed on my Monthly Mortgage Statement because I disputed the escrow calculations and outstanding amount claimed when Carrington Mortgage inherited/took over my loan servicing. I believe I was only late on one Principal and Interest payment in XX/XX/XXXX. CMS accepted my Principal and Interest payments throughout XXXX. Though, reporting my account as late to the credit bureau. On XX/XX/XXXX, CMS sent me a letter returning my XX/XX/XXXX Principal and Interest check # XXXX, stating I must pay Total Amount Due and the funds must be CERTIFIED FUNDS ONLY. On XX/XX/XXXX, I sent my XXXX Principal and Interest payment to CMS. 

CMS insists I contact their office to make next payment arrangements. I dont want to be threatened, given ultimatums, or argue with customer service agents that have NO Property Interest in my home. CMS representatives WILL NOT HELP homeowners. Any interaction with CMS should be conducted in writing providing both parties documentation. Here, I assert my Mortgage Assistance Application was COMPLETE as of XX/XX/XXXX. The irrelevant and duplicative yet provided information CMS requested after-the-fact was not needed to process my application but instead required for purposes to stall/deny my timely request. ( I have the documents but I'm sure CMS has the same documentation. If CFPB needs any aforementioned documents please let me know )
Consumer complaint received 2019-05-31
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 for nearly 2 years to get Transunion to update my bankruptcy records accurately in my credit file. To date my information is still incorrect. Here is proof from a creditor that I no longer have a debt with them. Please help me in demanding the credit bureau to update this information. My only open derogatory/negative account currently is for XXXX XXXX. XXXX XXXX is a very old creditor which the bureau refuses to update as discharged or delete entirely from my file. This is unlawful and I have began the litigation process.
Consumer complaint received 2022-04-05
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: CITIBANK, N.A. (DE)

On XX/XX/XXXX, I purchased an XXXX XXXXXXXX XXXX XXXX Comforter, using my L.L. Bean XXXXXXXXcard, provided by Citibank. Since I mistakenly received a different color than ordered, I contacted customer service and was instructed to return the item. 
Over the course of six weeks, I made and sent numerous telephone calls and emails to L.L. Bean to ascertain the whereabouts of my refund, but to no avail. I then decided to file a dispute with Citibank. 
After finally receiving the merchant credit on XX/XX/XXXX, Citibank charged an additional {$140.00} to my account for the same purchase, which they comingled with a promotional balance transfer, having nothing to do with the comforter. In order to avoid paying the deferred interest on the balance transfer, which was set to expire on XX/XX/XXXX, I was forced to pay the {$140.00} on XX/XX/XXXX. Yet again, Citibank added another {$140.00} to my account on XX/XX/XXXX. I, again, paid {$140.00} on XX/XX/XXXX. 
After many attempts to rectify the situation, through secured messaging and telephone conversations ( one of which, they kept me on hold for over 30 minutes, then disconnected the call ), I canceled my L.L. Bean XXXXcard.
Consumer complaint received 2020-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

We are requesting copies of account ledger from XX/XX/XXXX through XX/XX/XXXX. We are also requesting copies of Mortgage statements from XX/XX/XXXX through XX/XX/XXXX and copy of Trial plan offer. The lender has not comply with our request
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I reached out to all three major credit bureaus informing them of the errors that they are currently reporting. I am in the process of purchasing a home and was horrified to discover that my information merged with a former roomate. Although at a time we had the same mailing address, I NEVER WAS THE OWNER OF THESE ACCOUNTS. I need them removed immediately. They are causing me distress and impacting the quality of my life. The items that they have been put on notice to remove are as follows :
Consumer complaint received 2020-05-05
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. (TX)

I reached out to all three major credit bureaus informing them of the errors that they are currently reporting. I am in the process of purchasing a home and was horrified to discover that my information merged with a former roomate. Although at a time we had the same mailing address, I NEVER WAS THE OWNER OF THESE ACCOUNTS. I need them removed immediately. They are causing me distress and impacting the quality of my life. The items that they have been put on notice to remove are as follows :