davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (PA)

My property was foreclosed XX/XX/XXXX ( judgement entered ). I contact my loan servicer, Ditech Financial LLC, on several occassions asking loan modification application after I was pre-screened on the phone if I qualify for a program. XX/XX/XXXX, I received a notice that a Sheriff Sale has been scheduled for XX/XX/XXXX. I contacted the loan servicer, Ditech Financial LLC, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX to receive a loan modification application as the sheriff sale on my property was quickly approaching. I finally received the loan modification application on XX/XX/XXXX and a full packet of XXXX-page document was returned to Ditech on XX/XX/XXXX via Fax. Since then I did not hear anything from the loan servicer again. I called on XX/XX/XXXX ( 4 times and left messages to my assigned representative ), and on XX/XX/XXXX ( 7 times, leaving XXXX messages ). I finally got through to customer service at approximately XXXX. and I was informed that they will not review my loan modification application since it is so close to the sheriff sale of my property. 

I have called countless number of times since XX/XX/XXXX, I filled out online " contact us '' forms, '' and called at least 15 times in the last two months leaving voice mails asking that Ditech calls me and provides me with a loan modification application. They failed to do so, until the very last minute so that they would not " have to '' review the documentation and take away my home. Why???
Consumer complaint received 2024-02-07
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. (PA)

I am writing to file a formal complaint against XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken the appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach- Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 

On XX/XX/2024 I notified XXXX XXXX that I am opting out of any and all authorizations, written, non-written verbal or non-verbal for the sharing of my nonpublic personal information with non-affiliated 3rd parties, including consumer reporting agencies for any purpose other than those necessary to provide me with financial products of services. 

I provided this opt out notice in accordance with the legal requirements outlined in 15 USC 6802, and I have retained documentation of my communication with XXXX XXXX. 

Despite my efforts to request an opt out and me asserting my rights under GLBA, I have reason to believe that XXXX XXXX has continued to furnish my non public personal information to nonaffiliated 3rd parties and consumer reporting agencies without my consent. 

The unauthorized use of my personal information constitutes a violation of my privacy rights and breach of federal law. I am concerned about the potential consequences of this unathorized sharing, including the potential for identity theft, fraud, and other financial harm. 

I would appreciate it if the CFPB can investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX complies with all federal regulations and laws, including the GLBA to protect privacy and security of consumers like me. 

I would also appreciate updates on the progress of this investigation and actions taken to address the violations committed by XXXX XXXX. 

Please feel free to contact me at XXXX or email me at XXXX if you require any further information or documents to proceed with the investigation. 

see enclosed letter sent to the XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute fraudulent accounts that have appeared on my credit report. Unauthorized accounts have been listed under my name, specifically the XXXX XXXX XXXX XXXX account ending in XXXX and XXXX XXXX XXXX account ending in, marked as fraudulent.
Consumer complaint received 2020-11-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (NE)

On XX/XX/2020 I was contacted by Receivable Performance management regarding a settlement was offered however, I explain that I was not familiar with these charged totaling XXXX USD and I requested a Debt Validation Letter on this day. Today XX/XX/2020 I called back for the 3rd time requesting this letter. the Collection company has stated that the last letter that was sent to me was on XX/XX/2020 to an outdated address ( This address had been updated with every phone call I made to them ). The company has had plenty of time to validate this debt yet has refused to and is now refusing to cease and desist, and remove from my credit report.
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmerAssist A/R Solutions, Inc. (FL)

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with AMERASSIST plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1700.00}
Consumer complaint received 2024-02-07
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

While reviewing my credit report I realized that there has been unusual activity. Found that there has been at least XXXX unrecognized/unauthorized hard inquiries on the XXXX main credit bureaus ( XXXX, XXXX, Transunion ) .This were made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

XXXX I suffering from memory loss and XXXX recently divorced husband left me with the house. Im on a fixed income and I apply for a modification however this company SPS denied my modification. They forced me info a forbearance when I thought my second mortgage would be modified. Also Im have issues because of covid because i am high risk. They continue to report late payments to the credit bureau to purposely harm me even though Im making payments. I was able to modify my first mortgage however XXXX put me in this horrible forbearance without my knowledge and will want full balloon payment in full in XXXX of almost XXXX dollars in which Im on a fixed income and will have no way of paying. XXXX not trying to help me they just set me up for failure Please help anyway you can as if i was modified I can pay all my payments on time. Im in and out the hospital XXXX days a week because of my XXXX conditions.They refuse to work with me. Seems they are more interested in reporting derogatory information to the credit bureaus that helping me in my situation..
Consumer complaint received 2024-02-07
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. (NJ)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have repeatedly disputed XXXX dismissed bankruptcies, that do not belong to me on my Equifax credit report. I asked Equifax how and who they were verifying this information with because the XXXX Bankruptcy court does not verify anything with credit bureaus. Equifax said that they are verifying this information with XXXX XXXX, which is a third party vendor, not the creditor. The FCRA requires credit reporting agencies such as Equifax to verify account information directly with the creditor, not a third party vendor. I contacted XXXX XXXX about these bankruptcies and they wrote me a letter back stating that they had no bankruptcy information under my name and social security number. So i would like to know how is Equifax verifying information about me but XXXX XXXX says they have no information for any bankruptcies in my name? Equifax is reporting inaccurate information on my credit report and that is illegal and violating my rights under the FCRA.
Consumer complaint received 2024-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Consumer complaint received 2020-07-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (CA)

In spite of a XXXX XXXX monthly payment, this loan balance never decreased. I experienced a reduction in income and could not afford the payments so I signed up with a credit counseling agency. There was no resolve to the issue and Ive been behind ever since. This loan opened XX/XX/2018 total amount borrowed was {$3500.00}. Today the balance reported on my credit file is {$10000.00}. It has almost tripled. How can I ever pay this off. In the meantime it is killing my credit. I have disputed the information to no avail. I dont know what to do.
Consumer complaint received 2024-02-07
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 recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XX/XX/XXXX 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 XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX XXXX i opened an account with BANK OF AMERICAN after many times they asked me to open account with them, using their sales techniques without explaining every detail that involves having an account with them. I closed the account by the end of the same year because i did n't longer need it, FEW months later i got a XXXX CENTS letter FEE to which i instantly went to the branch and took care of it. It has been over 4 years and they still have my account opened WITHOUT MY CONSENT. 

I contacted them for an explanation on why my account remains open but most important WHY they SOLD information to a credit collector company to which i had NOT KNOWLEDGE or was INFORM. XXXX XXXX XXXX should not be allow to keep accounts open without informing their customers. It 's extremely sad that even after i went to the branch in XXXX to closed my account, they still have n't do so.
Consumer complaint received 2015-10-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (NC)

My {$1000.00} bank deposit was misdirected. 
Overdraft Protection was not established as I requestedfor my Checking Account. It was posted as {$10.00} anddeposited into my XXXX child 's Savings Account, and the error wasnot found for over a week. This resulted in subsequent overdraftcharges totaling {$860.00}, and SunTrust Bank has refused to giveme a complete refund. I received only a partial refund of overdraftcharges, though I spoke with the Manager, XXXX XXXX and the Area Supervisor. 
I want a complete refund of the {$860.00}, and the bank has refusedto do so. I called the FDIC and they directed me to ConsumerFinance Protection Bureau. I am the niece of a former XXXX, and have been trying to get this resolved forFIVE MONTHS.
Consumer complaint received 2015-12-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions mortgage changed by mortgage to over {$140.00} at the beginning of the year. This was supposed to be for a " cushion '' on the Escrow account. Additional to the monthly amount, they also assessed a " cushion fee '' of a few hundred dollars, which I was not allowed to pay in parts. Besides that, they had been changing me over {$330.00} per month on Private Mortgage Insurance ( PMI ). Earlier this year, when a law was passed so that FHA loans would pay far less Insurance Premium, I called Regions to get a " the law is too recent and we have not established changes to procedures/PMI '', while I was getting offers to reduce this from other mortgage brokers. I did not refinance because I did not have the money to do so, thanks to the undue burden placed on me by Regions. These unnecessary extra charges of almost {$500.00} forced me to sell my house as it was just too much of an expense. Now I am forced to live in a rented apartment. Also, since all these charges were just too much for me, I was late on payments and Regions assessed {$120.00} for late payments. It is incredible that anyone would think that charging that much would be conducive to catching up on payments. It seems Regions was eager for the loan to default. Perhaps they wanted to keep the property as it had appraised significantly. Furthermore, Regions has taken over 50 days to refund me the escrow account balance, due to several mistakes, sending the payment to my old address ( the house I sold ), despite my phone calls and letter mailed to them with my new address. I mailed such letter the same day the sell closing took place. 
Please investigate this mortgage company as I am sure there are plenty of mortgagee suffering because of this. Thank you.
Consumer complaint received 2020-05-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (GA)

On XX/XX/2020 I was at work and I received an alert from regions via text message regarding Unauthorized transactions. In receiving the text message it asked me did I authorized usage and I responded I did not immediately. After texting No, It stated it would call me within 30 minutes. I could not wait, and called immediately. Waiting 10-15 minutes I was able to get an agent who told me to call back once the transactions have posted on Monday. I checked my account all day Monday and nothing posted. I called back on Tuesday  XX/XX/2020 and spoke with an agent who opened a claim by claim number XXXX in the amount of {$1000.00}. I received an letter in the mail with little to no information stating my claim was denied. There is no way no one could have accessed my card pin number the agent stated this was not done using a pin. I only use this card for online purchased and automatic credit card payments! MY PURSE WAS STOLEN WHILE I WAS AT WORK CALLED AS SOON AS I WAS NOTIFIED.!! THEY SHOULD SEE THIS CALLED TO SPEAK WITH A SUPERVISOR AND I HAVE BEEN HUNG UP ON TWICE WITH THIS BANK. NO SUPERVISOR EVER CAME TO THE LINE CUSTOMER OF 5 YEARS PREVIOUS ISSUES NO ISSUES PREVIOUSLY LIKE THIS
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disputing the presence of fraudulent accounts on my credit report, as the banks have confirmed the validity of the provided documentation and agreed to remove these accounts over the phone. Compliance with the law mandates the immediate removal of these fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this 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