davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I had a legal name change and bankruptcy. I came back to attempt to reopen a new checking acvount with XXXX. They lied to me and said my account was still open and I would need to repay the owed money from my Chapter XXXX first. But couldn't officially ask for it back. They have cashed my checks for XXXX dollars so far with the loan account number that I've since verified with Transunion was closed with my bankruptcy. They refuse to speak with me and clearly KNOWINGLY DEFRAUDED this money from me with no intention of offering me a new account.
Consumer complaint received 2017-12-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (RI)

I have a mortgage with XXXX Mortgage. In XXXX XXXX XXXX, I initially applied for a loan modification. I have faithfully submitted the required paystubs, bank statements, tax returns and documentation requested by XXXX since my initial submission. However, XXXX has continuously informed me that my application was complete and then sent me letters stating that documentation such as paystubs and bank statements had expired and that I would have to re-start my modification all over again. 

I believe that XXXX has purposefully kept my request for loss mitigation assistance in abeyance through duplicative and redundant requests for documents which they have already received. This appears to be a pattern and it may not be an isolated incident.
Consumer complaint received 2018-07-24
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. (TN)

In XX/XX/XXXX my vehicle was deemed a total loss by my insurance company. My insurance company called XXXX XXXX XXXX and informed them, XXXX closed my account and sent me a letter stating they would handle the recovery from the Gap insurer. My insurance company issued a payment to XXXX in the amount of XXXX on XX/XX/XXXX. I called XXXX finance almost every week to get status to make certain the account was ok, at that point I no longer had online access to the account. XXXX reassured me they would recover the remaining funds from GAP, I called GAP just to be sure and they told me XXXX was not communicating with them. I then began to gather all the documents GAP needed and forwarded the same to complete the claim, on XX/XX/XXXX XXXX received a payment from GAP, XXXX then forwarded me two refund checks and sent a letter stating the account was paid off. In XX/XX/XXXX I received negative reports on my credit noting a charge off and late pay, I never made a payment that was 30 days or more late and my account was paid why put it in charge off status? I called XXXX several times, they have not fixed the issue to date. I filed a dispute with the credit bureaus, it was fixed then XXXX reported negatively again.
Consumer complaint received 2017-12-16
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: JPMORGAN CHASE & CO. (PA)

- I got notification from XXXX XXXX that my score has dropped so I began to research as to why. There were XXXX hard inquiries according to XXXX on XX/XX/XXXX and XX/XX/XXXX from Chase which I have no idea why. 
- I also got an email from XXXX XXXX XXXX on XXXX XXXX stating that my credit card application has been approved but I never applied. 
- I would like for these hard inquiries to be removed from my account.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Date XX/XX/20 Attn : CFPB Consumer Relations Department To Whom It May Concern I am reaching out because as of now, I did not receive any response or notice from three Bureaus Credit Reporting Agencies for my disputes with them. They are stating that these accounts are under investigation. But I still have not received any updated letter from the Beaurus and creditors. 
Inaccurate account information, balances, last payment status, and default dates for all the accounts listed below are being shown. The agencies investigated it, but I did not hear back from credit report agencies and creditor. 
I have listed out the accounts and my reasons for disputing them below. Since this is my second request with CFPB to resolve this matter, I am expecting to receive responses in a timely manner this time. Thank you for your help in this matter. Please see my list for dispute below : ( A ) Credit reporting agency name : EQUIFAX Alleged account # ( 1 ) XXXX Creditor XXXX   XXXX, account type : Revolving. 
( 2 ) XXXX XXXX XXXX, account type Revolving. 
( 3 ) XXXX Creditor XXXX  account type revolving. 
( 4 ) XXXX Creditor : XXXX account type Revolving ( 5 ) XXXX  XXXX Creditor PORFOLIO Account type : Collection
Consumer complaint received 2020-11-19
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2018-07-24
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. (TN)

In XXXX of 2017 my vehicle was deemed a total loss by my insurance company. My insurance company called XXXX XXXX XXXX and informed them, XXXX closed my account and sent me a letter stating they would handle the recovery from the Gap insurer. My insurance company issued a payment to XXXX in the amount of XXXX on XX/XX/XXXX. I called XXXX XXXX  almost every week to get status to make certain the account was ok, at that point I no longer had online access to the account. XXXX reassured me they would recover the remaining funds from GAP, I called GAP just to be sure and they told me XXXX was not communicating with them. I then began to gather all the documents GAP needed and forwarded the same to complete the claim, on XX/XX/XXXX XXXX received a payment from GAP, XXXX then forwarded me two refund checks and sent a letter stating the account was paid off. In XXXX of XXXX I received negative reports on my credit noting a charge off and late pay, I never made a payment that was 30 days or more late and my account was paid why put it in charge off status? I called XXXX several times, they have not fixed the issue to date. I filed a dispute with the credit bureaus, it was fixed then XXXX reported negatively again.
Consumer complaint received 2018-07-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Navient and my XXXX XXXX loans, both offered me a forbearance right after college in XX/XX/XXXX, because I was having trouble finding a job. They never mentioned that their was another option with the federal government called the repayment plans. I found out 3 years later in XXXX by a friend about the repayment plans. By this time thousands of dollars of interest had been accumulated. I feel that if I would have known about these plans it would have been a much better option and would have saved me thousands in interest.
Consumer complaint received 2022-11-17
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. (FL)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

This company continuously refuses to provide me proof of debt and refuses to provide their companies lawyers name. Ive requested proof of debt 3 times now and have yet to have this fraudulent account validated. I first spoke to a rep who I thought sounded like XXXX XXXX ( she refused to spell her name ) and she claimed she was going to mail proof- then the manager XXXX XXXX she transferred me to after once hanging up on me refused to mail it then continuously repeated every single question I asked but never answered it. She claimed she didnt have to mail me the proof which is not abiding by the FDCPA. Looking at other complaints I can see this is their pattern. They do not have any solid proof this fraudulent account is mine and they do not even have my information correctly. They do not have my social - they do not have any information this is my account, and they refuse to answer my disputes. I already disputed this debt 3 times and they never responded. She accused me of not knowing how to dispute an account even though I disputed it through the appropriate channels with all 3 major credit bureaus. The manager and representative were highly unprofessional, refused to provide any information, and I demand proof of debt or to have this account deleted. I have this all on recording and will be looking into further action if I do not receive what I asked for.
Consumer complaint received 2018-04-04
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the evening of XX/XX/XXXX about XXXX XXXX. I tried to open a savings account with my current bank of 8 months -- Bank of America. The account was approved and I XXXX from BOA of XXXX tried to transfer XXXX from my XXXX XXXX XXXX XXXX debit card. He informed me that the transaction would not go through because BOA doesn't like or take that type of card from that institution. I've never run into this type of problem with my XXXX XXXX debit card before. XXXX told me he would not be taking any money and for me to take that particular debit card into a BOA branch and take the {$400.00} off the card and deposit it into the new savings account ending in XXXX. 

What happened next is XXXX ( XXXX ) debited my card for the {$40000.00} and took it out of my account. The money is sitting in limbo. XXXX will not give it back with out BOA writing a letter with 7 specific identified like, transaction #, etc. I worked on this problem 8 hours today to reclaim the money. XXXX, BOA, Relationship Manager said " They Don't do that '' ... have a procedure for this mishap. He was rude and obnoxious and displayed that he didn't care, I am a XXXX ( I have been recently receiving urgent medical and I'm just worn out -- -I  did nothing wrong! ), minority, senior on Social Security. I have no more money for the rest of the month. I really need your help! Both banks need to be investigated for their abuse of clients and their money.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Tax lien is incorrect please remove. 
XXXX Recorder of Deeds Date FiledXX/XX/2010 Type Release of tax lien Reference XXXX Plaintiff STATE OF GEORGIA
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I was a cosigner on my step-daughters car with USAA. USAA said their policy was to contact cosigners if the borrower was not making timely payments. Weeks after my step-daughter had 'promised to pay ' USAA XXXX they sent me a letter saying the payment was not made and it had been reported to credit agencies. I called them, and they said, it was too late to fix it - the borrower ( my step daughter ) did not pay and she continued to promise to pay. I inquired to their policy of contacting the cosigner to make a payment before it was reported to the credit agencies - they said it was an oversight because the borrowed continued to promise to pay when they spoke to her. I was never notified to rectify the issue. I know this is their policy and they have stated this is their policy, it had happened once before and they did let me know before it was too late. This time they failed to inform me until after it was too late, they never called or contacted me via email or phone or text or other means to pay the payment before submitted the late to the credit agencies. 

They said it was too late for them to fix it, and if it did indeed end up on my credit, to file a dispute. I filed a dispute when XXXX and they returned the dispute that the creditor said the file was accurate. We ended up paying off the loan in full, so the loan is now closed and no longer outstanding with USAA. But it has effected my credit as a 30 day late and I am fairly livid that USAA could not fix it, did not follow their protocol for cosigners and have now reported my dispute was inaccurate.
Consumer complaint received 2022-09-17
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX OF XXXX XXXX XXXX : {$2400.00} XXXX/DEPT OF ED XXXX XXXX : {$4000.00} XXXX/DEPT OF ED XXXX XXXX : {$9000.00}
Consumer complaint received 2021-11-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GVA Holdings, LLC (NC)

I applied for a {$1400.00} loan from target cash now. The payments were set up to be deducted every 2 weeks from my bank account and I could pay my loan off or down with no penalties or fees. 

XX/XX/XXXX was my first payment of {$290.00}. I also paid {$500.00} to my principle therefore lowering down my loan balance. 

Once the {$500.00} payment was applied they did not remove that amount from my outstanding loan balance. Instead they only took out the {$58.00} from the initial {$290.00} payment leaving a loan balance which they are charging me like 700 % interest on as {$1300.00}. Clearly this is wrong and I have called and emailed with no help. The last time I expressed I wanted it in writing they told me to call their customer service. 

I have specifically asked them to give me the breakdown via email so I fully understand why they are charging me interest on the wrong balance with bo luck. I feel I have been scammed. 

Thanks for your help. I can forward email conversations if requested.
Consumer complaint received 2018-07-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have disputed a closed account with XXXX through Equifax over 6 times. Every time their representatives put in their own description of my dispute. First to verify if it was my account, another to verify if the account was in a bankruptcy, and once again they sent another dispute checking late payments! So the company supposedly keeps responding- YES IT'S HER ACCOUNT, YES PAYMENTS WERE LATE, NO NOT IN BANKRUPTCY therefore the account stays in my credit report. What I have told them time and time again is that they are reporting fraudulent information causing me to be denied for a VA Mortgage Loan. I have contacted the company several times, the managers do not care and are disgustingly rude at XXXX. They reported I have refinanced or renewed this account when this is not true. I have never refinanced anything or renewed anything with XXXX! They are purposely doing this to ruin my credit. Equifax states they are simply getting the information from the company, so when I asked what proof or paperwork they have they say they have nothing. It is all electronic, they have NO PROOF. I have given them all the proof they need and they can see on my credit report how the status has changed throughout the years and every time I dispute the status is worst than the last time. Now I have to wait another 30-45 days for the company to respond? This is unacceptable.
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I deposited a check for ~ {$6000.00} in XX/XX/XXXX then was told 3 months later that I had already deposited this check almost a year ago in XX/XX/XXXX. Now I understand it is my fault for cashing it twice, but honestly I did it by accident, I thought I had saved that check from last year for when i needed it. I just wanted to complain about the fact that why is it always the consumer 's fault? Wouldn't it also be a bank error for accepting the already deposited check and not letting me know until months later after I had already spent the money on my bills? I am willing to pay the bank back but want to see some sort of change in the system for the consumer to not be held accountable for bank errors, especially when big banks control most of the money/power in the world and are responsible for most of the evils in this world.
Consumer complaint received 2018-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

My husband and I are both in our 70s and we  refinanced our home in XX/XX/2016. We had deferred property tax payments, but used that loan to pay the balance with the County. Deferred, not delinquent. 

We again deferred property taxes on our new mortgage so as to mitigate monthly budget issues. 

Our payment history is perfect. 

Ditech mortgage paid {$8600.00} to XXXX County Tax Assessor on XX/XX/XXXX. They paid Deferred taxes, not Delinquent. 

XXXX XXXX of the XXXX County Tax Assessor can confirm. He is at XXXX, and XXXX. 

Ditech refused my XX/XX/XXXX Payment as they adjusted it from {$1100.00} to {$2400.00}. 

My husband has had more than ten XXXX in the past year and suffers from XXXX. I lost the use of one of my XXXX due to a XXXX XXXX procedure two years ago. 

This will literally kill us. Please help!
Consumer complaint received 2017-12-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (TX)

Yes XXXX XXXX on XXXX XXXX XXXX in XXXX tx keeps harrasing me and my references after I told them the only contact I want from them is by mail at XXXX XXXX XXXX XXXX XXXX tx XXXX. As I am currently seeking employment to pay them back. I do not have any income to pay on this loan now.
Consumer complaint received 2024-03-27
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (LA)

My loan has been matured for a long time now. Yet I'm getting hundreds of dollars in fees. When I talk to them about this sometimes they say it's late fees. When the statement clearly shows no late fees applied. All it says is fees. I'm always told something completely different when I call. This is an on going problem and has been for over a year. I have paid all interest in full and should be paying purely on principle.
Consumer complaint received 2022-09-17
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. (NC)

The inquiries listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX