davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-05
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: EQUIFAX, INC. (MA)

On XXXX XXXX XXXX I contacted Equifax_ about the following negative accounts XXXX XXXX ( Date Opened : XXXX Balance : {$2600.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XXXX Balance : {$0.00} ), XXXX ( Date Opened : XXXX  Balance : {$53.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2017-07-01
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (CA)

Ditech refuses to subordinate their position in order for us to secure a Harp  Loan  from  XXXX   XXXX  through the Harp  Loan opportunity. They want us to pay for an appraisal plus bring {$7000.00} to the closing. We were already approved for the Harp Loan without an appraisal. We do not have {$7000.00} to bring to the closing. Ditech is holding us hostage by not remaining in second place for our mortgages. Ditech 's interest rate is 8.75 % and our first loan now is 6.75 %. We were able to qualify to lower our interest rate to about 4 %. This is awful that they are doing this to us. We were almost done with our Harp Loan. They ( Ditech ) is preventing us from continuing with our Harp Loan.
Consumer complaint received 2020-10-08
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. (NV)

These are not my accounts. This is the 2nd request. Please remove them as they are not my accounts listed on my credit report. I have attached my personal documents to depict my personal information. I am not a credit repair company either.
Consumer complaint received 2016-11-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

i had a valid overdraft caused by an oversight on my part. the bank charged a valid overdraft fee of {$35.00}. This fee alone took my account into the negative. Before my next pay arrived, I was charged an extended overdraft fee of {$35.00}. I called the bank to have the fee returned, as it was charged solely due to another fee the bank had charged.they refused to return the extended overdraft fee as it is current bank policy.
Consumer complaint received 2018-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AL)

In XX/XX/XXXX, XXXX XXXX started garnishing my checks on the behalf of Navient. In addition to the garnishment I also had to voluntarily pay {$5.00} per month, for 5 months to satisfy the program. The final payment was received on XX/XX/XXXX but they continued to garnish my check up until XX/XX/XXXX. I have been in contact with this office since XX/XX/XXXX, both XXXX XXXX  and Navient, attempting to remedy the situation. In XX/XX/XXXXI received two reimbursement checks for that months overages, while still being garnished. Per the supervisor I spoke with today, I am still owed {$590.00}. I've been told the checks would be sent to me after 30 days of the garnishment but that has not happened either. I was told the remaining checks would be sent to my employer, unlike the others that were mailed directly to me because my account has been transferred to a 3rd company known as XXXX XXXX XXXX   whom I have no dealings with at all, no contract whatsoever. The only reason my check was not garnished this week is because I'm working for a different company now but I'm being told the checks will be sent to my former employer instead of being mailed to my home like the previous ones were. I would like some assistance with this because I have been dealing with this for 3 months now only to be continuous told " we understand '' but nothing is being done to return my funds. This is theft and I'd like some assistance in remedying the situation. Thanks.
Consumer complaint received 2019-10-25
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. (GA)

There is a line item reporting on my Transunion credit report. This item is hurting my ability to obtain a mortgage loan. I sent TransUnion XXXX   and XXXX a letter including a letter from the XXXX XXXX agency to have the item removed from my credit report. XXXX  promptly removed the item from my report. TransUnion said this item was " verified ''. How can this be verified when I sent in the letter?
Consumer complaint received 2017-10-23
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)

This is my last option. I am requesting CFPB 's assistance. In correspondence dated XXXX XXXX, XXXX, I disputed how incorrectly XXXX XXXX XXXX ref # XXXX has been reported incorrectly. From the filing date to my personal information. I was able to verify with the court that this information has been withdrawn last XXXX XXXX, XXXX. This proves that this credit repository 's information is outdated and no investigation was conducted.
Consumer complaint received 2017-10-23
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. (CA)

Three acct. entries on my Equifax report are incorrect and are listed under XXXX XXXX XXXX XXXX. XXXX. 

1. One acct.ending in XXXX and listed under XXXX XXXX XXXX XXXX. XXXX opened XX/XX/XXXX and closed in XX/XX/XXXX, Bal of {$0.00} says 120 days past due. I have no knowledge of this account. 

2. Another acct.ending in XXXX and listed under XXXX XXXX XXXX XXXX. XXXX opened XX/XX/XXXX, status open, bal. {$1.00}, past due {$1.00}, and in collections. I have no knowledge of this account. 

3. A third acct.ending in XXXX and listed under XXXX XXXX XXXX XXXX. XXXX opened XX/XX/XXXX, status open, monthly payment {$500.00}. I have no knowledge of this account.
Consumer complaint received 2017-07-01
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: American Credit Acceptance, LLC (IL)

I am a cobuyer to an auto loan in XX/XX/XXXX and have since divorced the buyer as of XX/XX/XXXX. I submitted a dispute to American Credit Acceptance directly, via XXXX, via XXXX, and the XXXX 1 ) requesting to delete the debt from my credit reporting for unfair collection practices for a cobuyer-no collection attempts made to my phone number, email address or home address 2 )  requesting to cease further collection proceeding-daily post default interest after charge off/closed account, a reposession in XX/XX/XXXX and auction resale of the vehicle in XX/XX/XXXX ; high interest is still accruing about $ 11/day presently 3 ) requesting to delete the debt and cease future default interest due to my divorce decree specifying the buyer is solely responsible for remaining debt and payoff to American Credit Acceptance *spousal maintenance. All disputes mentioned were resolved with the reason of accurate reporting by the creditor and specifying the creditor does not accept XXXX decrees.
Consumer complaint received 2017-07-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (MO)

Basically someone stole my credit and I was homeless at the time and they served my mom with paperwork to go to court .. I never got the paper work I sent them a letter asking if they could validate the debt they never did.. So I have this credit hit on my account and cant get it off because they lied and court saying they got a hold of me they said they sent me a validation of debt and they never did. When I talked to the guy on the phone he said he was going to go after me till I was XXXX.
Consumer complaint received 2017-08-23
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. (TX)

I spoke to Transunion today about inaccurate address on my credit report. Credit report XXXX. I told them the address that does not belong to me and that I have never ever lived at that address. The agent told me that he could not delete it and I insisted to him the address is wrong. I am concerned about identity theft and I want this address removed before I take the next step to filing a lawsuit. It is the credit bureau job to report accurate information and at this time they are not. I am angry and appalled about this. The only address that is correct is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. The other address XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX is WRONG. I hope to have this remedied as soon as possible.
Consumer complaint received 2016-07-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (TX)

My complaint is genuine. I 've sent in a forbearance payment which was XXXX dollars for XXXX signature loans to this cover up XXXX XXXX now Navient student loan company. Some staff member did not follow through what was submitted. I 've contacted the better bureau business about the company as well. The Navient feedback was a fraudulent submission. As as of now they did n't keep they word regarding the terms and conditions which were complied in the letter. They continue to call everyday using fraudulent out of state numbers which is very harassing after the company knows I am unemployed.
Consumer complaint received 2022-03-10
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. (OK)

I the consumer, in fact, am a victim of identity theft and pursuant to 15 USC 1681c-2 I am re-questing the block of such information resulting from such identity theft from my consumer re-port. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in er-ror nor is there any material misrepresentation by me the consumer so my request should not be declined.
Consumer complaint received 2024-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you well. I am writing to formally request the removal of late payments from my credit report. Upon reviewing my credit report, I noticed that there are several instances of late payments recorded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-25
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: LEXISNEXIS (GA)

There is a public record on my LexisNexis file that is not mine. I have dispute the item with them twice and they have verified the item 2 times. 

I don't understand how it is verified when the address on the public record does not belong to me and has never been associated with me. 

The items were disputed on : XX/XX/2019 XX/XX/2019 Again, this public record does NOT belong to me.
Consumer complaint received 2017-07-02
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. (TX)

I HAVE SUBMITTED A REQUEST FOR ALL OF THE CREDIT REPORTING AGENCIES TO UPDATE MY CREDIT REPORT INVOLVING THE LOANS THAT I HAD WITH XXXX AND AN AUTO LOAN THAT I HAD WITH XXXX. ALL OF THESE LOANS WERE CONSOLIDATED AND SHOULD HAVE BEEN CLOSED AND XXXX SHOULD HAVE BEEN CLOSED AS THE CREDITOR CLOSED THE ACCOUNT AND SENT ME THE TITLE. I FILED A COMPLAINT ON XXXX AND WAS ADVISED THAT ALL OF THE CREDIT REPORTING AGENCIES HAD BEEN ADVISED AND REQUESTED TO UPDATE THE INFO AS OF XXXX 2016. I REVIEWED MY CREDIT REPORT AND AM STILL SHOWING AT LEAST XXXX OF THESE ACCOUNTS STILL REPORTING AND OPEN. THIS IS MY FINAL REQUEST AS ALL OF THE ACCOUNTS WITH XXXX HAVE BEEN CONSOLIDATED THROUGH XXXX. THIS IS AFFECTING MY CREDIT SCORE AND I WAS ADVISED WHEN I CALLED THAT THIS HAD BEEN DONE. I AM BEYOND AGITATED WITH XXXX AS WELL AS XXXX. THERE ARE INQUIRIES THAT I HAVE NOT DONE AND THE ONLY THING THAT SHOULD BE ON ALL OF MY CREDIT REPORTS SHOULD BE XXXX AND XXXX CARD INQUIRIES. EVERYTHING THAT SHOULD HAVE BEEN DONE HAS NOT BEEN DONE AND IS STILL NOT DONE. I HAVE FILED A POLICE REPORT AND HAD BEEN A VICTIM OF IDENTITY THEFT. I RECEIVED A REPORT FROM XXXX AND IT IS STILL SHOWING THESE ACCOUNTS OPEN WITH BALANCES. THIS IS AFFECTING ME TREMENDOUSLY AND IS CAUSING ALOT OF ANGUISH IN MY LIFE. ALL OF THESE CREDIT REPORTING AGENCIES SHOULD UPDATE THE INQUIRIES, ACCOUNT INFO, ETC. I HAVE SUBMITTED THESE REQUESTS SEVERAL TIMES AND HAVE EVEN CONTACTED XXXX, ATTEMPTED TO CONTACTED XXXX AND EQUIDAX ( HAD THE ISSUE PARTIALLY RESOLVED )
Consumer complaint received 2017-08-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I received a bonus offer from Bank of America to open an account and they would give {$300.00} bonus if {$4000.00} was paid in dd 's over a 90 day period. I opened the account online using the bonus code from their correspondence and I followed the terms needed to receive the bonus. I called Bank of America and they said I was n't signed up for the bonus. When I joined bank of America a message came on the screen saying eligible for the bonus ... during the steps of opening the account. The only reason for opening an account with this bank was for the offer they gave me. I made a complaint to BOA but have n't received a call and nothing has been done to honor this bonus.
Consumer complaint received 2021-11-30
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. (GA)

I have sent OFFICIAL NOTICE to TRANSUNION on multiple occasions that the account below is in litigation and should be immediately deleted from my credit profile. I have sent court letterhead documents with case number - XXXX - as evidence. 

TRANSUNION was notified to immediately CEASE reporting the litigated account below on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021 & XX/XX/2021. 

*** XXXX XXXX XXXX XXXX This account is in litigation. PLEASE DELETE *** XXXX XXXX XXXX XXXX XXXX XXXX Civil Action NO. XXXX commenced litigation on XX/XX/2021. 

TRANSUNION has refused to delete the account above which is in litigation. 

On XX/XX/2021, at XXXX EST, I was able to call in and get almost 50 min of conversation with Transunion agent XXXX on a recorded line. 

Although Transunion agent XXXX wouldnt give me permission to release OUR recording just yet I collected enough verbal evidence to prove TransUnions willful and negligent noncompliance towards my multiple dispute notices regarding the litigated XXXX account currently reporting on XXXX XXXX credit profile.
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BTH Management (CA)

there is an account on my credit i do not have any info about and they say i paid 49 percent of the debt by i never paid ever. it keeps refreshing changing hands of collection agencies and the dates and balances are all wrong and they keep going up how by law they can not keep incurring intrest after placed in collections. the company PLAZA Opened XXXX XXXX, 2017 ( 5 mos ) SERVICES Last reported : XXXX XXXX, 2017 I have a bank account and i do not got to check cashing this account was obtain fraudulently
Consumer complaint received 2017-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My XXXX and I own a XXXX checking account which only had {$25.00} in it most of the time. On XXXX/XXXX/XXXX my XXXX unfortunately gave someone he knew his debit card to make a deposit so he could withdraw some money for himself ( approximately {$400.00} ). The person said to meet him at BOA the following day to make the withdrawal. The person then called BOA, identified himself as my son, and made XXXX separate claims of deposits that were allegedly made but not recorded at the ATM. Both claims were made within XXXX minutes of each other. The second claim was opened up using my debit card information which was never given to him. My son then went to the bank the next day and was asked to withdraw the cash and give it to this person and then take some out for himself as promised by this person. My son did not know that temporary funds were placed into his account. He believe the deposit to be real. 

BOA will not give me any details as to how this person was authorized to get the funds or how he was able to open up a second claim. I realize my XXXX was negligent in giving some of the information, however, there never should have been a second claim opened within XXXX minutes using my information. Something is wrong.
Consumer complaint received 2017-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland is calling about an XXXX account that is XXXX years old. I have been with XXXX since XXXX and can be verified. I filed bankruptcy in XXXX and this account should have been included. Every time a collection agency acquire this account they change the open date. This was from past XXXX therefore should be removed
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

I had unrecognized inquiries on my account and reported it as fraud so that they could be removed from my credit report. The problem has been solved. But Im filing this report just in case this may happen again.
Consumer complaint received 2022-09-08
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just wanted my payment on my credit card adjusted to show the new correct balance. They removed my XXXX XXXX XXXX  credit card and my score dropped I did not ask to have the credit card deleted off my account please put it back
Consumer complaint received 2017-07-01
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. (WA)

In XX/XX/XXXX I settled a charge off with XXXX XXXX. XXXX agrees the account is settled and properly indicates the settlement in its report to Experian. The account became delinquent in XX/XX/XXXX and Experian correctly indicates the account will go positive in XX/XX/XXXX. <P/>However, XXXX has inaccurately reported a brand new derogatory payment history which begins in XX/XX/XXXX and results in re-aging my account. This results in a lower credit score. I have attached an excerpt from my Experian consumer report dated XX/XX/XXXX. <P/>Re-aging of accounts is a violation of the FCRA and damages my credit. I have attempted to resolve this using the dispute process with Experian. The result of the investigation was NO correction to this issue. Having exhausted the dispute process, I am hoping the CFPB can assist in resolution.