davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have disputed the late payments on the accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this 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, Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2019-05-31
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. (MD)

I've FULLY PAID an account off of my credit with XXXX XXXX XXXX and they have yet to have their credit line from my credit profile and I've called them and disputed several times. It needs to be removed form credit ; as I've already paid the money that I owe in full
Consumer complaint received 2018-06-24
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. (IN)

On XX/XX/XXXX, I received a report in the mail from Equifax. The following address is showing up on my credit report : XXXX XXXX XXXXXXXX CT, XXXX, OH XXXX. However, I have never lived outside of XXXX. The only other former addresses appearing on my report, if any, should be from XXXX, XXXX  between XXXX. I believe this may be someone else 's address with a similar name. I have tried to report this to Equifax, but I can not even access or verify an account with them because they are confirming with what I believe is this misinformation. This address and any loans associated with it are not mine.
Consumer complaint received 2022-09-12
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)

On XX/XX/XXXX I called XXXX and requested a free Credit Report, which I received on XX/XX/XXXX. It was Report # XXXX for XX/XX/XXXX and appears to have correct information in it for me. 

Included in the same envelope was Report # XXXX for XX/XX/XXXX which had what appears to be identical information in it, but referencing a person whose name is similar to mine, but IS NOT ME. I have NEVER gone by the last name " XXXX ''. 

I wish to know : 1-Why were two Credit Reports sent to me? 
2-Who is this person, XXXX XXXX whom I've never heard of?

3- Is this a case of identity theft or fraud?

4- When do you plan to correct this obvious error? 

I look forward to your addressing this matter by XX/XX/XXXX. Should you choose to ignore or excessively delay a response satisfactory to me, I plan to file a formal complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2018-06-24
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. (MA)

XXXX XXXX XXXXXXXX I contacted XXXX XXXX XXXXXXXX to add my daughter has an authorized user. They ended up conducting a hard inquiry on my report without my knowledge. The inquiry was supposed to be for my daughter and it should have never impacted me. If I was told that they would have done a hard inquiry, I would have stopped the transactions. I contacted XXXX XXXX XXXXXXXX, I was told that they are unable to do anything on their side. First, I got frustated because I contacted them at lease on three ocasions. the last time I did, they told me they would add her as a co-borrower ; which is not what I wanted but I went along following their instructions. It turned out that they pulled my credit information and I would not have allowed that because I was trying to fix my credit. I was already a customer in good standing. I don't see why they had to do a hard inquiry. 

XXXX : I wanted to switch my service from XXXX to XXXX. I called XXXX and ask for advice on the proper way to cancel and switch services. I paid all money due. the representative over the phone told me I was all set and to keep using my service up until a specific date. I followed their instructions. Months later, XXXX, claims that I owe them last month service fee but I told them, I called to cancel service your rep advised me to wait. I shouldn't have to pay any more money. I wanted them to investigate the matter. Instead they reported me late with a balance {$140.00} in collection. 
I want this fee waived, and the record to be deleted from my credit report. I keep saying go listen to the recorded convesation. The rep said I was all set and can keep using my phone up until the cancellation date.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Checked my credit report and XXXX XXXX XXXX has put XXXX tradelines on my credit report. Each entry states balance of {$1000.00} and the other of {$990.00}. These accounts were opened on the same date of XX/XX/2022 and closed on XX/XX/2022. I have never had a XXXX account. The accounts need to be deleted immediately. I have also reported to the FTC as fraudulent accounts.
Consumer complaint received 2019-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OH)

I had auto pay set up on my account for the XXXX of every month. Ditech took XX/XX/XXXX payment out of my bank on XX/XX/XXXX which caused my account to overdraw. I incurred a {$38.00} nsf fee because of this. I have contacted them 13 times since XX/XX/XXXX asking them to re-imburse me for the fee. I have faxed them the paperwork that they requested 3 times and e-mailed it to a representative while on the phone with her so that she could verify that she received it. Several of the representatives have told me that they can take the money out of my bank account early. I told them that is not true. Others have told me that it is being taken care of which has also not been true. Some have told me that they didn't post it to my mortgage account until XX/XX/XXXX so it is not their fault. Their application for autopay states that if it is set up to be taken out of your bank account on a holiday or weekend, they will take it the following business day. 
Also, I checked my XXXX XXXX account yesterday and Ditech had put a remark on there stating, " Account information disputed by consumer, meets FCRA requirements ''. My score went down 7 points and that is the only thing that isn't positive on there. I have not disputed anything with them as far as credit goes. I have only called them to tell them that they need to pay me the {$38.00} NSF fee that my bank charged me for them taking the money out of my account before they were supposed to.
Consumer complaint received 2018-03-14
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. (IL)

I have A FRAUD ALERT SET FOR ALL THREE BUREAUS i have for this very reason for fraudulent activity ... ... .. i recently saw a inquiry dated between XX/XX/XXXX/XX/XX/XXXX from XXXX I HAVE NO IDEA WHAT OR WHO THIS IS I HAVE NO KNOWLEDGE OF THIS AND WANT THIS REMOVED FROM MY REPORT AND A NEW REPORT SENT
Consumer complaint received 2018-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (MN)

I noticed on XX/XX/XXXX that my credit score dropped ten points due to the professional bureau of collections posting a deragatory collections account on my XXXX credit report in the amount of {$440.00} dollars. The account was opened XX/XX/XXXX per the collections information on the XXXX report. 

I instantly knew this information was inaccurate because I paid my XXXX collections bill in XX/XX/XXXX. I contacted the credit bureau to file a dispute. And after 24hrs I decided to call the Professional Bureau of Collections myself and tell them to remove the already paid account. I spoke with a guy who immediately said he would take the derogatory collections account off of my credit report but it would take 60-90 days. At that moment I asked if he could provide me a letter confirming in which he stated he couldnt. I also asked if h could expedite the process he repeated and said it will take 60-90 days.

The problem is The Professional Bureau of Collections bought this already paid collections account and did not contact me via mail or phone to tell me about this collection nor tell me that I was able to dispute it. Instead the account was sold to them and they proceeded to put it on my report and not take it off for 90 days. 

Because of their wrongful actions I was unable to get a company credit card because of this recent collections on my report. This has caused me emotional distress and embarrassment at my job, also financial loss taking the time to investigate.
Consumer complaint received 2018-06-22
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. (MD)

XXXX XXXX XXXX XXXX verified that I applied for a credit card 12 years ago that was never issued to me. A review of my credit report shows that XXXX reported derogatory information on my credit report that does not belong to me, which is impacting my credit report and hindering me from obtaining employment. 

I spoke to several representatives that have confirmed no credit card was issue, but I am unable to get them to provide a written statement confirming that there was never issued to me and that it was fraud or an error by XXXX XXXX XXXX XXXX. 

I am requesting a written statement confirming that there was never a credit card issued to me and that it was fraud or an error by XXXX XXXX XXXX XXXX. 
I need this information immediately, for my background check to move forward.
Consumer complaint received 2017-08-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America erroneously posted a 30 day late on my second mortgage. 
I have a purchase money second on my home that I have had for 10 years. At the end of the 10 year period the loan was supposed to convert to a 15 year fixed until it is paid off. Bank of America had the loan in their system as a 10 year balloon. They began sending me letters saying I owed them the entire amount. I continued to pay the monthly payments hoping they would correct their error. After many phone calls and letters, they finally corrected the loan in their system. But they posted a 30 day late on my XXXX 2017 mortgage history. 
They admitted they were at fault and said a letter would be sent out to correct their error. The letter is ambiguous and does not clearly state that it was their error and that the 30 day late is erroneous. I called today for a more detailed letter and was told to call the credit bureaus. You ca n't just call a credit bureau. 
I am in the process of getting a new mortgage loan and this has destroyed my chances. My FICO score dropped 60 points. They are unwilling to expeditiously correct their error.
Consumer complaint received 2020-11-13
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: PDQ Services, Inc. (GA)

On XX/XX/2020, PDQ SERVICES INC and on XX/XX/2020 XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX  and XXXX. 
Upon further research, this account was transferred/sold and I am no longer responsible for it. Debtor 's creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PDQ SERVICES INC and XXXX XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2018-06-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: UMPQUA HOLDINGS CORPORATION (WA)

when I was out of state my father received a home equity loan on his home in XXXX he had had a XXXX before this and his doctor had told me he was in need of 24 hr a day care. I talked with the doctor and social services about needing me to help him with his affairs. Their is not a easy or clear way for anyone being someones power of attorney to watch over another affairs when they do not want help. after the loan was taken out I had gone out of state to look for work that I was able to do because of my health and local economic down turn. My wife stayed with my father to see after him and help with what ever she could be allowed to by my father.He still was in command of his finances and other parts of his life but my wife cooked meals and cleaned house and drove him to any destonation he wished. when I had returned home the mortgage on his home of 49 years was behind and its county property taxes and a few other obligations. his bank and mortgage holder was XXXX XXXX in XXXX Washington but had been takin over by Umpqua bank. This XXXX branch and also the lead branch in XXXX, Washington would not let me look into his accounts or even ask questions. one one visit to the local branch my father had ask a question about his balance in his checking account and the teller replyed ... bring your check book in on Friday afternoon and I will take it home over the weekend and look into it. I ask my father if he had done this before and he told me yes a few times. I called the XXXX branch and reported the problem I felt had happen and was told they could not deal with me on my fathers accounts. my father did not want me to look into it any further and I did not until his passing in XXXX of this year when I found out his home was in foreclosure. I had told Umpqua bank I would take over the loan or get my own mortgage and they served me a law suite to remove my self and my wife from his home. I have done no other actions since that 3 days ago until now reaching out to the cfpb. If their is any way you can look into this I would be in your debt for life since I do not want my fathers home and my childhood home in the hands of the most unbelievable bank I have ever heard of! Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (IL)

A late fee of {$39.00} was assessed to my XX/XX/XXXX mortgage statement for account XXXX on XX/XX/XXXX. My mortgage was not late on this day. 

Seterus received 3 mortgage payments from me via Priority express mail where I mailed 3 separate checks to cover 3 separate mortgages of different addresses in XX/XX/XXXX. 

Seterus chose to credit the payments for the other 2 mortgages on XX/XX/XXXX, but held off on crediting account XXXX until XX/XX/XXXX. 

I have a 16 day grace period under account XXXX before a late fee is assessed. However, a late fee was assessed to this account on XX/XX/XXXX, when Seterus had in fact received the payment well before this date. 

Even if Seterus had received the payment for account XXXX on XX/XX/XXXX, they should NOT have assessed a late fee to this account. 

Seterus will not remove the fee from my account, and thus, I am asking your office to intervene on my behalf. 

My mortgage statement for XX/XX/XXXXshows a late fee assessed to account XXXX on XX/XX/XXXX. 

Also, can you ask Seterus to STOP sending me out double mortgage payment statements for account XXXX, as this seems like intimidation to make me pay 2 months of mortgages ahead of time. I have the right to pay my mortgage on the dates due and should be assessed a late fee if the payment is late, but Seterus does NOT have the right to force me to pay mortgage payments ahead of time, nor should they assess late fees to me on dates when fees should not be assessed. 

Thank you in advance for your assistance.
Consumer complaint received 2017-08-23
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ROC Asset Solutions, LLC (GA)

The company has only called me once. They repeatedly contact family members to the point of harassment. They are asking family members to provide information to them after already being told to stop calling them.They have threaten to file a lawsuit.
Consumer complaint received 2022-09-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (FL)

My husband and I recently applied for a home equity line of credit with PNC bank. My husband is XXXX XXXX military serving for over 18 years. I have submitted my pay stubs as well as my husbands pay stubs upon request. We both have exceptional credit over XXXX. I received a request back from the lender asking me to have my husband write a statement attesting he will be in the military for another 3 years. I feel this is discriminatory to our military because I am not being asked if I will have a job for the next 3 years because know one knows if they will retain employment at their jobs. My husband being asked to provide a letter about his military service and his plans for 3 years should not be a basis for obtaining a loan or part of the underwriting process. Military service members pay is a combination of monthly pay, housing allowance, food, and at times cost of living adjustment. To deny a service member a loan due to their future in the military is not right as that is not asked of a civilian employee. This lending practice is particularly unfair to our service members and I am complaining not only for the protection of my husbands rights but that of other men and woman in the armed forces.
Consumer complaint received 2018-06-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of Ameirca I contacted Bank of America to add my daughter has an authorized user. They ended up conducting a hard inquiry on my report without my knowledge. The inquiry was supposed to be for my daughter and it should have never impacted me. If I was told that they would have done a hard inquiry, I would have stopped the transactions. I contacted Bank of America, I was told that they are unable to do anything on their side. First, I got frustated because I contacted them at lease on three ocasions. the last time I did, they told me they would add her as a co-borrower ; which is not what I wanted but I went along following their instructions. It turned out that they pulled my credit information and I would not have allowed that because I was trying to fix my credit. I was already a customer in good standing. I don't see why they had to do a hard inquiry. 

XXXX : I wanted to switch my service from XXXX to XXXX. I called XXXX and ask for advice on the proper way to cancel and switch services. I paid all money due. the representative over the phone told me I was all set and to keep using my service up until a specific date. I followed their instructions. Months later, XXXX, claims that I owe them last month service fee but I told them, I called to cancel service your rep advised me to wait. I shouldn't have to pay any more money. I wanted them to investigate the matter. Instead they reported me late with a balance {$140.00} in collection. 
I want this fee waived, and the record to be deleted from my credit report. I keep saying go listen to the recorded convesation. The rep said I was all set and can keep using my phone up until the cancellation date.
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX  stated falsely that " We have reviewed your complaint along with the information you provided regarding this issue. Currently, the XXXX XXXX XXXX XXXX # XXXX account reflects a current balance of {$4300.00}. In response to this complaint, we contacted XXXX XXXX XXXX XXXX at XXXX, and verified the balance as {$4300.00} per the automated system. 

Please note that i am disputing the reporting of the above identified account on your XXXX credit report, and i specify the exact reason i am disputing the account. The account was never late or the balance is incorrect. The amount XXXX claims to be owed is false. How did you contact the company? An automated machine can not not tell you facts about the account. I tendered a payment for the full amount on XX/XX/2019. XXXX XXXX called me on Monday XX/XX/2019 at approximately XXXX XXXX i spoke to agent XXXX she explained to me that the call was a mistake and that they had received the payment in full for the amount of {$4300.00} and allow it to post within the next 48 hours. She also placed me on hold for 8 eight minutes and got a supervisor and manager to confirm the payment was received and they confirmed it was received.