davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

Good Morning, I have contacted you before with concerns regarding my escrow account.

I tried my best to get my payments readjusted to the original amount.

I sent every amount requested which was over {$500.00}? The last payment sent was in the amount of {$290.00}? with a letter sent by the bank indicating I was paying forward. My local bank verified and sign and dated the letter. The certified letter arrived on XX/XX/XXXX, I was told my deadline was in XXXX. Apparently my letter was separated from the certified check when it arrived to the Mortgage Company. The payment I am told was applied to the wrong account? My request was not honored because of the Bank mistake. I was told the letter was supposed have been sent to another address. 
This is confusing ... .Why would I mailed a letter indicating I am paying the necessary amount and the check to different addresses? I was told there is now an over payment in my escrow and I am due a refund. I received a call several weeks ago about a and the Bank did not know were to send my refund check. 
I don't have a po box I received monthly statements and all Correspondents at my property address. I have requested a printout of my mortgage payments.I have asked what was in my account prior to the escrow analysis. I was told I would have to pay {$670.00} for 6 months only and then my payment will increase again. I have not received my overpayment/refund check. 
I need your help in this matter. Thanks and have a Bless day!
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Express Collections, Inc. (TX)

I paid my debt off back in 2020. They said they would remove this off my credit report and they did and they put it back on a zero balance, I have called them several times and now they will not help me and simply don't care.
Consumer complaint received 2019-03-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

My previous loan servicing company Ditech had my loan ( XXXX ) and they were receiving the payments automatically by XXXX XXXX ( biweekly mortgage program ). Ditech sold the loan to XXXX in XX/XX/2018. Ditech then forwarded the XXXX payment to XXXX But on XXXX they kept thenpayment and did not forward the payment. XXXX has confirmed that they received XXXX payment but NOT XXXX. Ditech refuses to assist my husband and I. Due to this issue we were not able to refinance our FHA loan to a VA loan like we were hoping to do so since my husband is a XXXX veteran who is not getting any better per Veterans affairs. So to help our family I started the process to refinance and all this has come to light. Both companies are pointing fingers at each other now {$1900.00} has gone missing because they took the money from our account. Ditech claims they received it but forwarded it to XXXX XXXX and XXXX has confirmed they never received it. Ditech will not provide any proof that they sent it and hung up on my husband and I today.
Consumer complaint received 2022-11-20
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-11-20
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX, XXXX  : XXXX, XXXX  : XXXX, XXXX XXXX XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX ( ORIGINAL CREATOR XXXX XXXX XXXX XXXX XXXX ) : XXXX, XXXX ( XXXX XXXX  : XXXX XXXX XXXX ) : XXXX, XXXX : XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2019-03-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

To all parties connected to this fraudulent mortgage loan origination matter. I have been misrepresented by the lender from Fifth Third Bank and the FHA appraiser from XXXX who Fifth Third Bank Mortgage department hired for both FHA appraisals. Fifth Third Bank Mortgage department intentionally submitted the wrong appraisal calling it an error. Why Im certain of this matter is because its protocol within the guidelines to submit the lower appraisal. The property that was purchased in question was a flipped property that required two FHA appraisals due to the property being put on the market within 91 days after the recorded deed date from the previous owner. The FHA appraisal overlooked the safety and the condition of the home. After receiving the clear to close endorsed by the underwriter DE from Fifth Third Bank Mortgage Department. On the day of closing I took possession of the property unknowingly, that the FHA guidelines wasnt met due to the safety and conditions of the home. Although, the report stated differently this home has multiple deficiencies that conflict with FHA guidelines. In concluding, these impairments to the property in question were not disclosed in any of the reports. My personal private inspection came back with 21 deficiencies conflicting with Fifth Third Bank 45 days prior. Due to these circumstances I feel my rights have been violated under the lender liability law and program guidelines.
Consumer complaint received 2019-03-19
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. (AL)

I have called XXXX XXXX on multiple occasions and they are always telling me that they cant pull up any information about a account for me..This account was fully settled but reports getting XXXX around by everyone who was involved with this account.It seems that none of the credit bureaus are doing a proper investigation on this account because every time I call XXXX XXXX   they cant even pull up an account for me.My disputes are always coming back as VERIFIED but by whom because all I get from XXXX XXXX is I cant pull up the account. Somebody somewhere is not doing their JOB correctly and I have had enough of the XXXX THIS IS AN ACCOUNT THAT I PUT UP MY OWN MONEY TO OPEN AND MY CREDIT REPORT IS BEING RUINED BECAUSE EVERYONE INVOLVED SEEMS TO JUST DONT CARE..
Consumer complaint received 2019-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I attempted to rent a vacation home over the 2018  holiday season in XXXX XXXX California. The home was listed on XXXX and ended up being a scam. Unfortunately the police couldn't help and also let us know that this was becoming a problem. The person that I was dealing with had a legitimate bank account with Capital One Bank. I attempted to verify this person in one of Capital One 's Bank branches but they only have teller machines and no actual live bank representatives to verify anything. This individual had a bank account that was verified by Capital One Bank who enabled this person to not only use the bank for fraudulent activity which I would call wire fraud across state lines or possibly international. Capital One Bank declined to do investigate at all and rejected XXXX XXXX ( my bank 's ) request for return of funds based on fraud. See attached letter which included everything. Also, a police report is available as well. Capital One Bank takes no responsibility and is enabling this criminal behavior to persist. I have not way to talk to them and find a resolution. They refuse to acknowledge the problem and just direct me to their website which is designed to deflect any blame or ownership. The police are helpless as well and have no authority on this type of crime. People are using these banks to conduct fraud at a rapid rate and the banks are a party to the crime. we need help!!!
Consumer complaint received 2019-03-19
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: EQUIFAX, INC. (FL)

Equifax will not/refuses to update remark as stated/dictated. Proof can be provided that it was paid. It was provided over the phone and thru thru an online dispute.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KS)

I am a victim of identity theft and XXXX XXXX  unlawfully pulled my credit report, unlawfully opened fraudulent account in my name even though they sent a letter stating the had NOT opened the account all despite the fact I have credit freezes on my credit report. I want the inquiry on my credit removed and the fraudulent bank account closed. Identity theft report attached.
Consumer complaint received 2021-10-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (TX)

AARGON COLLECTION AGEN XXXX XXXX XXXX Account type Collection balance {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Your statement** CONSUMER STATEMENT** MY CREDIT CARDS WERE USED BY AN UNAUTHORIZED SIGNER WITHOUT MY PERMISSION.
Consumer complaint received 2021-06-09
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. (PA)

I have a filed a dispute in regards to the incorrect item on my credit report. The dispute letter was sent out around XX/XX/XXXX for a unknown inquiry. It has been well over 30 days and I havent received any investigation Results.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I already have a dispute reference number, I just want to track it. It is XXXX We are buying a winter home in Arizona but my job is in Indiana until I retire. My husband who is retired will be living between Arizona and Indiana but I will live in Indiana until I retire. We have our home in Indiana up for sale so I had placed a deposit on an apartment and to my amazement found out on XX/XX/XXXX that I had been declined because of 4 eviction notices filed in the XXXX courts on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX that showed up on Transunion rental screening service. After hours on the phone I found out that the eviction notices were filed by XXXX XXXX XXXX managing XXXX XXXX XXXX  in XXXX Arizona. I have never lived in those apartments and have only rented one apartment back in XXXX. We owned our home in XXXX CO from XXXX-XXXX and then bought a home in Indiana. I worked full time in XXXX CO so someone either stole my identity or a number was transposed. But these eviction notices are for XXXX and XXXX XXXX not myself or my husband who is XXXX XXXX. I need these removed as they are preventing me from renting in Indiana. I have never been evicted in my life as I have always owned a home other than the few months I rented back in XXXX and that was because our home in XXXX XXXX was a 2 hour commute to my job at the XXXX in XXXX.
Consumer complaint received 2020-07-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently sent a letter over 45 days ago to this bureau and they are disregarding a regular consumer dispute. Im XXXX  an has been sending letters before this and still no response.
Consumer complaint received 2018-03-07
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (VA)

XXXX My name is XXXX XXXX Called Navient on XX/XX/18 ; who is really XXXX XXXX on a Education Private Loan ; I have with them ; I have income based repayment plan with ; I was calling them because I received paperwork I was passed due ; I have checking allotments ongoing with them for 8 yrs now ; They said my recurring payments had ended, So I wanted to set up another repayment plan ; XXXX the representative stated I could only do an extension They upped my payments to {$250.00} from {$240.00} ; I explained to them I was a XXXX  ti my XXXX mother could not go further than the {$240.00} ; I was told by XXXX if I didnt pay the amount would not hav the repayment program plan ; Grudgingly I said I would try When he set my payments on a recorder he changed the payments to 6 and 6 6 months @ {$250.00} and another 6 months @ {$480.00} ; I told XXXX Its no way I could afford {$480.00} ; he stated if I refused I would not have the low income repayment plan forced me to electronically sign ; He asked me did I hav a lawyer ; I told him after this I need to seek one ; This was a SWITCH and BAIT Transaction ; XXXX XXXX XXXX ; XXXX ; Va XXXX
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (CT)

Discover closed my credit card over XXXX year about and up until several months ago I was making timely payments despite the credit card being closed. Since my account has gone past due I have made countless attempts to negotiate a settlement to pay less than the full balance. I have been made aware of the tax implications and risks of this however, I can not afford to make monthly payment nor do I have the time to make ongoing phone calls. I feel Discover forced me into a repayment plan I can not afford. I am a XXXX XXXX XXXX and I make $ XXXX. My Discover balance is currently {$3200.00} and I am seeking to settle for XXXX XXXX of what is owed within XXXX days, which would be {$1600.00}. I have explained numerous times I can not afford monthly payments and they are not listening to me and stating " everything is system generated '' while I read online of the many other customers who have settled. The reason I became past due is because this credit card was taken out to help my family with some bills. My XXXX the primary income earner became ill with XXXX stopped making payments. He has long term side effects causing him to be unable to work. He gave me some money to put towards this credit card and others but I can not afford to pay the balances in full. I am hoping your agency can help me get to a solution with Discover.
Consumer complaint received 2020-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MS)

I was notified of a derogatory mark on my credit in the amount of XXXX dollars. This Mark was from the company Enhances Recovery Company on behalf of XXXX XXXX XXXX issued on XXXX XXXX XXXX. The issue is I havent had an XXXX XXXX XXXX account since XXXX. I attempted to dispute this mark, but was told that the mark was accurate, which is untrue.
Consumer complaint received 2024-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion response to my request for documentation reads as follows " In order to process your request we need clarification regarding your dispute. We sent you a letter to request the name of the specific item, the reason you are disputing it and included instructions on where to send it. 

Transunion is playing a cat and mouse game with me because they do not actually have any proof that I owe or incurred this debt. They are asking for me to provide " specific Items and the reason for disputing ''. All of this was included in THEIR response ( please see attached ). 

They have all the specific items ( which they listed in their response ) as well as the reason for the disputes. They are playing a cat and mouse game and have refused to provide me with any documentation AT ALL. This is unlawful and unacceptable You will see in the attachment I sent that Transunion provided and indiviual response for each item I disputed and therefore are fully aware of the " specific items ''.
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (TX)

Someone opened an account at XXXX XXXX in my name which I learned from experian and I reported it at both. Now I'm getting calls from collections. Both investigated and still its mine apparently but was opened in XXXX XXXX and I live in XXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Information not properly verified and inaccurate information still present on my credit profile. Removing information and reinserting it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-19
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)

This is not a redundant or repeat complaint. 

XXXX refuses to provided information : ID verification, application information for a loan that they claim I applied for in 2013. 

They do not respond to phone calls and there is no way to get through to them to handle this issue. 

I am including yet another police report that I had to refile as the previous was sent to them years ago. 

There is no way to contact this company and the phone number listed in their responses goes unanswered. 

They have listed multiple amounts due for a loan not owed. The bank drafts were disputed and refunded by my bank. This has been an issue for 6 years and the company refuses to address it.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.