davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

I obtained a HAMP modification on my XXXX mortgage. I submitted a loan modification request on the junior lien Green Tree Servicing holds on my property and we requested it be evaluated under 2MP. Afterward, I spoke to XXXX, a Green Tree representative on XXXX XXXX, 2015 to discuss status of a modification application I submitted. According to the representative, while she admitted I was eligible for 2MP, I was denied loan modification. 
The loan servicer participates in 2MP, a federal program, and my loan is eligible for modification pursuant to Federal guidelines. Green Tree refuses to participate in good faith in this program. I am living proof..
Consumer complaint received 2021-08-06
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: Experian Information Solutions Inc. (CA)

I have been trying to get some things off my credit report with Experian, XXXX and XXXX that are way over 7 years some are even 8 plus years old. I have been fighting this since XX/XX/2021 What in the XXXX why is it taking so long. I know by law they are supposed to come off at sevens year so AGAIN WHY????? 
So they just get to decide when they feel like it they can remove them and dont care about the law and people lifes. I feel they are just lazy and not doing their jobs it not the hard when I sent them a letter which details on it about the issues and why I was disputing them. 
My next action will be to obtain legal service and SUED!!!!!!!! 
This is total XXXX that I am having to waste my time with writing this complaint all because of the credit bureaus not getting things DONE.
Consumer complaint received 2018-06-06
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. (MO)

After giving the credit agencies time to fix this problem they still failed in doing so. The following account has previously been disputed many times all with no prevail. The FCRA assures the consumer that disputed accounts, without physical verification shall be removed. This following account I have no knowledge of and if the credit agencies continue to update it then by the laws of the FCRA they should provide physical documentation before taking the senseless and easy way out by updating an frivolous account. The following account in dispute is XXXX XXXX / XXXX XXXX ( XX/XX/2012 )
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2018-02-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Recovery Systems (NC)

Receive multiple calls on almost a daily basis from different numbers. Voicemails stating an important call from a debt collector.. Midwest Recovery Systems ... I know for a fact I do not owe a debt and I read online that this company is accused many times of fraudulent claims. I have not called the company back because I do not want to waste my time disputing a false claim and potentially becoming at risk for higher involvement.
Consumer complaint received 2018-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (OH)

i had phone service through XXXX,8 lines to be exact, i was a XXXX customer for about 12 years at the time.our service was interrupted for some technical reason, i was told it was a down tower.the problem was we had absolutely no service at all and our business suffered for approximately 4 days.we had to drive 13 miles to be able to place or receive calls.i reported the problem and was told it would be corrected quickly.it was not so i cancelled all services and went to another carrier.i have saved the email correspondence between myself and XXXX.they still put it on my credit report and it almost prevented me from purchasing my home in 2014.my mortgage company informed me that in order to finance my home, i would have to write a check for this debt at closing for the home purchase.i then remembered about the emails and forwarded to the underwriter who then decided i did not have to pay this debt since it was not my fault.i puchased my home and now i want this debt removed from my credit report.it is bogus and absolutely not my fault in any way because i will say that to this day, i refuse to pay for it since i did not cause the problem.i was greatly inconvenienced because of this and now i want it to be made right.thank you for your attention to this matter, i have attached the emails.
Consumer complaint received 2018-01-26
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. (MA)

I had 2 lates on my XXXX XXXX dated back XX/XX/XXXX. I was a victim of identity theft in which my accounts were compromised, as a result, I had to close them down. A police report was filed. 

XXXX refused to remove the lates of my credit report.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

I recently submitted a compliant concerning Santander Consumer USA and their predatory transaction processing. The previous complaint has not been resolved and I would like to submit this complaint again. Santander is staying and reporting on our credit report that our account is behind and it is not. I am attaching supporting documentation that shows that on our XXXX Statement, Santander processed 2 payments. One on XX/XX/XXXX and one on XX/XX/XXXX. The XXXX first payment was not authorized. I contacted Santander to request that this payment be returned because I did not authorize it and when they would not authorize it, I contacted my bank and my bank reversed this transaction on XX/XX/XXXX. Santander is stating that this reversal is actually a return of our XX/XX/XXXX payment and this is not true. Our XX/XX/XXXX payment cleared our account and the payment was more than required because we paid extra due to having extra funds because of our stimulus payment. As you can see in the two months prior statements our account is current there is nothing owing on our account but Santander refuses to correct their error. Since our bank has already reversed the XXXX payment that was process in error we do not need the payment returned. We would like account corrected to the amount after our XX/XX/XXXX payment. We have also made a payment on XX/XX/XXXX for XXXX. And our account is still showing past due.
Consumer complaint received 2019-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

XXXX case number wfhm loan XXXX tried to follow up with my case person named XXXX XXXX ( I am not sure if this is correct spelling, this is provided to me in a voicemail from last year. ) XXXX XXXX XXXX XXXX XXXX I have messages on my phone from her as my go to contact for all case topics I called her XX/XX/19 XX/XX/19 and again today XX/XX/19 left messages telling her I had 2 more questions and she will never call back spoke to XXXX oper id XXXX  XXXX  XXXX today and he claims she no longer is there and no one is responding to my voice mails I am leaving for follow up so, HOW do I get a representative to ring me back and provide final outstanding answers to the case? 

thank you XXXX XXXX
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The credit agency has dropped my score over 140 points ( how do you calculate how much you are going to drop someone's score? ) over what they assumed was a open account with a delinquent payment. My student loans were in forbearence and the forberence expired but within the week the forbearence was renewed and I no longer had any missed payments. Please see the paperwork attached approving my forbearence. 

I also see they have not updated my credit card amount, as I've made payments as well. This is an awful thing credit companies do to people 's reports and I don't have anything but 2 things on my report, neither being delinquent or in debt collection, I have no idea why I would have a 400-580 below credit card. Please explain and fix this.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

I was an authorized used on a Cabelas credit card, the owner of this card asked that I be removed as an authorized user and told the owner that they would update all 3 credit reports. This has not been done and this is still being shown on my credit report
Consumer complaint received 2016-07-14
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Flagstar Bank, N.A. (TX)

Today is XXXX XXXX, 2016. My realtor and I have attempted to get in contact with Flagstar to sell my house for two years. After my initial complaint, it seemed that we did get a bit further with my file and a buyer 's offer was accepted. On XXXX XXXX the buyer requested an extension for the closing date. Our single point of contact initial was XXXX XXXX, then the file was passed on to XXXX XXXX, who never replied to any emails or phone calls concerning the selling of my home. Today both my realtor and I called and was given the Team Leader 's name which is XXXX XXXX. The rep seemed pretty helpful and told us that all we needed to do was provide XXXX XXXX with the Hud1 final and the Closing Document. We sent that over immediately while on the phone with the rep. Everything was confirmed and she replied that he would get back to us by the end of the day. This was at XXXX. Confirmation of receipt was provided around XXXX, called back at XXXX, confirmed reviewing of documents, called at XXXX, XXXX XXXX and XXXX XXXX XXXX were gone for the day. I personally called at XXXX and recorded this message and they told me that they will email again and to call at XXXX central time XXXX. Closing is at XXXX. tomorrow XXXX XXXX, 2016 and we have been trying to get information from Flagstar since XXXX XXXX, 2016. Please help!
Consumer complaint received 2024-10-12
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)

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : 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 ) These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Consumer complaint received 2022-08-11
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific information in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made nor authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX A XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
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 2024-10-14
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: EQUIFAX, INC. (DC)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2020-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Cancelled an order from XXXX, the charge remained on my bill after a refund was issued. I contacted Capital One Credit to resolve the dispute. Capital One issued a temporary credit to my credit account. After they investigated the dispute, Capital One concluded the merchant credited my account. The problem is the charge is still on my credit card bill. Capital One will not take the charge off my bill even though the merchant issued the credit. Date of charge is XXXX XXXX, I went to the store management gave me paper work for order. Its the same order that I canceled and they issued a re fund for {$26.00}. Which corresponds with the charge remaining on my credit card bill, the same date and amount, but capital One wont correct the mistake, it is their error not the merchant. This is the second time Capital One pulled this trick.
Consumer complaint received 2019-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

In early XX/XX/XXXX I received notice my mortgage payment would increase from {$1300.00} to {$1300.00} because my escrow account had insufficient funds - this made sense based on an insurance company change and a check that was sent to me. At the time I didn't understand why I was receiving the check and should have called the mortgage company, so again this increase for XX amount of months was understandable because I deposited the check and should've sent it back to be deposited into escrow. I believe the issuance of a check to me was a mistake by the then servicing company of the loan. 

In XX/XX/XXXX I received a notice from the new company over my mortgage, New Rez Financial, that stated my mortgage would be increasing from {$1300.00} to {$1500.00} because of insurance and tax changes. My insurance rate for the year increased only about {$120.00}, or {$10.00} per month, so a {$190.00} increase is outrageous. I called the county where I  reside, XXXX County, and they stated an increase of that amount is out of the ordinary. When I contacted New Rez Financial they were unable to explain exactly why the amount increased like it did, other than pushing the explanation off on XXXX County and saying " your taxes went up ''. 

I need a detailed description and breakdown of why New Rez Financial is attempting to raise my mortgage payment ( starting XX/XX/XXXX ) by so much money. I'm already paying {$35.00} more per month over the course of the last 12 months and an increase of an additional {$190.00} is not acceptable.
Consumer complaint received 2022-09-09
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I place an order an international wire transfer, amount of XXXX euro, on XX/XX/2022 to XXXX XXXX  XXXX. Beneficiary did not received the fund until XX/XX/2022 I did take Action1 : I placed a recall ( getting money back to me ) thru Bank of America on XX/XX/2022 Action 2 : I placed call to Bank of America Foreign Exchange Wire Investigation Department ( XXXX XXXX XXXX ) multiple times Action 3 : I visited Bank of America Branch ( Manager XXXX XXXX XXXX ) located in XXXX XXXX XXXX XXXX XXXX, CA XXXX twice to resolve this matter. 
I also emailed him twice and call multiple times, however, no luck to get hold of him. 

Action 4 : At last, today I reached out the Bank of America Foreign Exchange Wire Investigation Department and spoke to XXXX XXXX. She was extremely rude and unhelpful. She was scolding me that I was not listening to her.
Consumer complaint received 2022-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear team of Consumer Financial Protection, I was shocked to realize that I have unknown items in my credit report mainly inquiries that are not connected to me. I have never done anything connected with these inquiries. Moreover I can not understand how come I got into this situation that my report is damaged by unknown items. Please `I kindly ask you to remove them and make investigation because I feel its a mistake or error in reporting or something else. I hope you will help me.
Consumer complaint received 2021-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I deposited a check for XXXX ( attached doc ) from XXXX XXXX XXXX on the morning of XX/XX/XXXX to cover pending items as well as anything that would come through my BOA checking account on XX/XX/XXXX. I looked at my BOA account on the morning of the XXXX and saw that BOA put a hold on the XXXX check until Saturday XX/XX/XXXX. In the meantime I transferred XXXX CASH from my BOA business account to my BOA checking account to cover the XXXX  check they put a hold on. I called and spoke to a rep who told me that BOA sent a message to XXXX confirming the account number and XXXX did confirm it. He then said BOA was waiting for XXXX to release the XXXX funds and then it would show up in my account. I asked why BOA would use my money instead of putting it in my account right away, he assured me BOA would not do this and would immediately credit the funds to my account. I got an email from XXXX today telling me that XXXX was withdrawn from my checking account ( attached doc ), however I still do not see it credited to my BOA account, actually I see 2 {$35.00} NSF charges even tho the cash was transferred this morning, the NSF fees were no on my account this morning when I spoke with the rep. I had the same problem earlier this week and after about an hour dealing with them they admitted the XXXX NSF fees were taken out in error they refunded it. It seems to me BOA is constantly trying to steal their customers money and I end up spending so much time dealing with them to get it back.
Consumer complaint received 2019-03-06
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: Trident Asset Management, L.L.C. (CA)

I contacted XXXX  in XX/XX/XXXX to inform them that the amount on a collection was incorrect and sent them a statement showing the balance at that time. It was never corrected. I again ATTEMPTED to file a dispute with XXXX  on line in which they denied my request for re-investigation stating that what was being reported was correct. I filed yet another dispute in XX/XX/XXXX, providing documentation that TWO collection accounts were paid in full and requesting that one be removed in that it was past the 7 year mark. They were NEVER removed nor where the balances updated to show them as paid. 

I further have asked multiple times to have a validation of a debt on a third collection agency. I contacted the Collection Agency and requested validation of a debt which they have refused to provide. I contacted the alleged original creditor and they have no record of any outstanding debt, yet XXXX  continues to report this debt even after I have asked to have an investigation. I have been TURNED down for credit because of this.