davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$370.00} XXXX XXXX  XXXX {$470.00} XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX {$86.00} XXXX  XXXX XXXX {$120.00} XXXX  XXXX XXXX {$270.00} XXXX  XXXX {$810.00} XXXX   XXXX {$3200.00}
Consumer complaint received 2022-07-25
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: U.S. BANCORP (OR)

XXXX XXXX mistakenly refunded {$1000.00} to my closed US Bank credit card ending in XXXX on XX/XX/XXXX XXXX This was a partial refund for our year insurance premium, the original bill was paid with my Wife 's XXXX XXXX XXXX returned the XXXX to the wrong card on file ( US Bank card XXXX ).. I contacted Us Bank on XX/XX/XXXX in regards to this issue, they stated they had kicked back the {$1000.00} to XXXX the same day on XX/XX/XXXX XXXX. Us Bank would not supply me with proof in writing that they had refunded the money directly to XXXX I continued to call US for written proof for almost two weeks since XXXX has no record of refund.. Finally on XX/XX/2022 Us Bank say they have had the funds all along and they're just sitting on my closed account.. They refuse to issue a refund to XXXX or mail me a check so I can settle up with XXXX XXXX This matter has been sent to collections by XXXX and needs to be remedied sooner than later.. US Bank Refuses to commit to when a refund will be issued and just says call back next week for an update .... How can a bank just sit on funds for over 6 months??
Consumer complaint received 2020-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I got sick in XXXX, since then I've had XXXX XXXX XXXX major, XXXX minor and countless test procedures and Dr Visits which left me XXXX unable to work which left me broke unable to pay my bills, I had two credit cards from capitol one, when I got them the contract on both stated that if I ever got ill or XXXX that it was a policy that I would not have to pay my credit card debt if I could show proof my illness or XXXX. I called capitol one and XXXX XXXX explained this to them after my XXXX XXXX, they told me to send in my proof of illness I did, I sent them a 53 page medical report documenting my XXXX test procedures and dr visits to two different addresses bc I had two credit cards w them about 6 weeks later XX/XX/XXXX to be exact I got a letter in the mail basically saying all was forgiven ( that im gon na attach and send w this complaint if I can ) checked my credit today and realized im being sued by them and the letter that states all forgiven I received is only for one of the accounts and now they are trying to sue me for the other account and not honor the contract agreement about medical hardship that account # is XXXX I called them today and I called and they were rude we got disconnected or she hung up on me one then I called back and just got elevator music w a msg saying hold times are over two hrs so I hung up start ffilling out this complaint.. You would think w all this covid 19 stuff they would be more coorperative
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

On XX/XX/2020 made a request ( through CFPB ) to have Select Portfolio Services ( SPS ) report our payment history to the Credit Reporting Agencies. The Credit Reporting Agencies informed us they would report the information when we got the lender to provide the information to them. 
SPS, in a letter dated XX/XX/2020, stated : " Please be advised it is SPS policy to cease reporting to the CRAs after a Chapter XXXX Bankruptcy Discharge, unless a Reaffirmation Agreement is obtained. '' Thus closing the previous file. 
On XX/XX/2020 at XXXX XXXX  I called SPS customer service and spoke with customer service rep XXXX. XXXX advised me that they could do nothing for me since it was the LAW that they could not provide my payment history to the CRAs without me sending them the Reaffirmation Agreement. 
After requesting a supervisor, I spoke with XXXX  XXXX. I advised XXXX ( as I did XXXX ) the following : 1 ) A Reaffirmation Agreement was signed at the time of the BK XXXX and was necessary to complete the Loan Modification that is currently in effect and up to date. 2 ) After XXXX was unable cite the LAW that precluded them providing the information to the CRAs, she admitted it was just company policy. 3 ) The loan modification concluded 3 years after the BK XXXX. Meaning that the lender required fresh signatures on the new agreement. Therefore, every signature was indeed and in fact a " Reaffirmation '' of commitment to repay the loan. 4 ) The other party on the loan with me was not a party to the BK XXXX and was still entitled to have all information properly reported to CRAs. 5 ) SPS has  the ability to properly report our information to the CRAs. SPS is being punitive and arbitrary. 
All I am requesting is for SPS to report our payment history, timely, completely and accurately, to the CRAs, as required by the Fair Credit Reporting Act. 
Thank you.
Consumer complaint received 2020-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (OH)

CAPIO PARTNERS SENT ME A LETTER REGARDING A DEBT FROM XXXX HOSPITAL. I HAVE TWO INSURANCES THAT XXXX FAILED TO BILL. I SPOKE WITH A REPRESENTATIVE THAT STATED THEY ARE REBILLING THE INSURANCE COMPANIES
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THE INFORMATION I HAVE LISTED BELOW ARE INACCURATE AND UNKNOWN/ IDENTITY THEFT..I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES OR LIVED AT THOSE ADRESS EVEN MY NAME WAS LISTED 3 DIFFERENT WAYS ON THE REPORT THATS LINKED TO UNKNOWN/FRAUD ACCOUNTS XXXX  and XXXX XXXX THESE ARE INACCURATE SPELLING OF MY NAME THESE ADDRESSES ARE EVEN INACCURATE OR UNKNOWN I HAVE LISTED THEM I NEED THESE REMOVED BECAUXE THEY ARE LINKED TO UNKNOWN ACCOUNTS XXXX, XXXX, TXXXXX  XXXX, XXXX, TXXXXX  XXXX, XXXX, TXXXXX XXXX, XXXX, XXXXXXXX  XXXX, XXXX, TXXXXX   XXXX, XXXX, TXXXXX XXXX, XXXX, TXXXXX XXXX, XXXX, TXXXXX HARD INQUIRIES -NEVER DID BUSINESS NOR RAN CREDIT WITH THESE COMPAINES XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RETURNED THE VECHILE AND THEY SOLD THE VECHILE NEVER SENT THE UPDATED PAYMENT AFTER THE VECHILE WAS SOLD THEY NEVER SENT ME THE REMAINING BALANCE AMOUNT AND NOW THEY ARE REPORTING INACCURATE INFORMATION ON MY REPORT FOR YEARS AFTER THE CAR IS SOLD AND THEY WANT ME TOMSTILL PAY THE FULL AMOUNT WHICH IS FRAUD XXXX XXXX, XXXX # XXXXNEVER DID BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX XXXX XXXX # XXXX NEVER DONE BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX  AND XXXX WITHHELD MY CREDIT REPORT YET ARE REPORTING TO XXXX  XXXX AND OTHER COMPAINES INACCURATE INFORMATION.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

THE INFORMATION I HAVE LISTED BELOW ARE INACCURATE AND UNKNOWN/ IDENTITY THEFT..I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES OR LIVED AT THOSE ADRESS EVEN MY NAME WAS LISTED 3 DIFFERENT WAYS ON THE REPORT THATS LINKED TO UNKNOWN/FRAUD ACCOUNTS XXXX  and XXXX XXXXTHESE ARE INACCURATE SPELLING OF MY NAME THESE ADDRESSES ARE EVEN INACCURATE OR UNKNOWN I HAVE LISTED THEM I NEED THESE REMOVED BECAUXE THEY ARE LINKED TO UNKNOWN ACCOUNTS XXXX, XXXX, TXXXXX   XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX   XXXX XXXX XXXX, TXXXXX HARD INQUIRIES -NEVER DID BUSINESS NOR RAN CREDIT WITH THESE COMPAINES XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RETURNED THE VECHILE AND THEY SOLD THE VECHILE NEVER SENT THE UPDATED PAYMENT AFTER THE VECHILE WAS SOLD THEY NEVER SENT ME THE REMAINING BALANCE AMOUNT AND NOW THEY ARE REPORTING INACCURATE INFORMATION ON MY REPORT FOR YEARS AFTER THE CAR IS SOLD AND THEY WANT ME TOMSTILL PAY THE FULL AMOUNT WHICH IS FRAUD XXXX XXXX XXXX # XXXX-NEVER DID BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX XXXX XXXX # XXXX- NEVER DONE BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION EXPERIAN AND XXXX WITHHELD MY CREDIT REPORT YET ARE REPORTING TO 3rd PARTY XXXX XXXX  AND OTHER COMPAINES INACCURATE INFORMATION.
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (GA)

I never received a call, letter or notification from this company. All of a sudden it popped up on all 3 of my credit reports. Called them and asked to explain no response phone call dropped no answer when I called back to see what this is about. Last week XX/XX/2020
Consumer complaint received 2020-05-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Financial Freedom Mortgage, LLC (MD)

On XX/XX/2020 my wife and I filled out an application for a refinance from Financial Freedom Network ( main office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey, XXXX # XXXX XXXX XXXX ) Local office XXXX XXXX XXXX ). At that time we were set up to have an appraisal done on my house located at XXXX XXXX XXXX. XXXX. XXXX Md XXXX.The cost of the appraisal was {$580.00} dollars and it was set up for approximately XX/XX/2020. The appraisal was done as scheduled on that date and I paid for the appraisal. As it turned out the company weeks later denied my loan. I asked for a copy of the appraisal on three occasions at the end of XXXX. I spoke with my loan officer named XXXX at the home office who indicated they would send it. It is now XX/XX/XXXX XXXX and I still have not gotten it. It is quite evident that they do not intend to send it and I understand it is against the law not to send it. I am working with another lender who also sent several request which they have not responded to. This process is holding up my present loan from the other company. I would appreciate it if you could help me get a copy of the appraisal. My loan number with Financial freedom is XXXX name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Md XXXX Number is XXXX XXXX XXXX. Thank you.
Consumer complaint received 2021-08-06
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. (NJ)

I disputed inaccurate information, inquiries, as well as accounts that was not mine that have been falsely reporting on my credit reports. I addressed these items was not valid and demanded they be investigated. I also demanded that any information not validated be removed from my reports, and anything that was verified I demanded to see proof of validation within 15 days of completion investigations. All sent certified mail it has been over 45 days and no changes to my reports have been maid nor have there been any proof of validation. According to the FCRA section 609 these agencies are violating my rights and reporting inaccurate and incomplete information as well as information thats completely not mine. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, are the accounts falsely reporting on my reports all information is different on each credit bureau as if there are duplicate accounts. XXXX refuses to remove old inaccurate address XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX and follow suite with XXXX and Equifax which have already removed this address. Even though I informed them of potential fraud. 
XXXX XXXX is reporting my wife debt which was just an insurance error and have been recently rectified and paid through my wifes insurance. Upon speaking with the original debt holder ( XXXX XXXX XXXX ) they informed me that they didnt tell XXXX XXXX that the debt was mind or that I was an co-signer, I was just listed on the paperwork as Spouse and as Father to my wife and daughter the two individuals who actually received the services falsely being reported on my profile. I requested debt validation from XXXX XXXX directly and they sent over what they have and upon reviewing items sent to me. There is nothing with my signature, nothing obligating me or co-signing, only debt in my wifes name. They have failed to validate the debt concerning me
Consumer complaint received 2020-05-13
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. (NC)

I sent a dispute on XX/XX/20 to Experian. It has been well over 60 days and I have not receive any response from experian.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (ME)

Equifax is incompetent : It takes MONTHS for them to Correct and Report Information Correctly- Recently sent 17 pgs USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX with Supporting Documentation to Verify my Identity- have Equifax Update and Report Correctly my Personal and Employment Info and for Equifax to Report Correctly XXXX XXXX NEVER LATE ( Supporting Documentation provided to them Multiple Times, yet on their Confirm # XXXX they have as " Verified '' - that is patently FALSE ) XXXX  is Reporting as NO LATES ; yet Equifax has not updated. 
XXXX XXXX SECURED Credit Card was Paid Off- Equifax has the Balances and Payment Amounts Wrong- and this is MORE than 7 years, yet they continue to leave as Negative
Consumer complaint received 2022-08-28
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. (GA)

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  Account # XXXX has violated my rights XXXX XXXX  account # XXXX has violated my rights XXXX XXXX  XXXX Account XXXX. has violated my rights XXXX XXXX XXXX XXXX account # XXXX Original creditor : 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 an account without my written instructions.

15 U.S.C 1681 c. ( 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 conviction 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 related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (MN)

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.

According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possibleave
Consumer complaint received 2022-02-22
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: EQUIFAX, INC. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$170000.00} XXXX XXXX XXXX XXXX {$12000.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.
Consumer complaint received 2020-05-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CADENCE BANCORPORATION (TX)

I opened a Cadence Bank auto-debit account because I financed my mortgage through them and was informed if I opened an account I would receive a .025 % discount on my mortgage interest rate. 

In addition to this promotion, my mortgage had to be paid using the auto-debt account as well and my account would not be charged a service fee if the balance exceeded {$500.00}. Initially, I thought this was a win, win situation because my account would never go below {$500.00} dollars because my mortgage payment exceeded that amount each month. 

However, about a few months ago, dating back from XXXX my account has been continuously charged a {$6.00} service fee monthly. I recently just noticed the charges as I was reviewing my monthly statements. 

I immediately called Cadence Bank to understand why I was being charged when my account superseded the required amount. I was informed by a customer service representative that Cadence Bank no longer waived fees for any checking account. I was never informed of this and immediately asked how this could impact my mortgage agreement with them. I was informed if I changed banks to pay my mortgage I would incur a higher interest fees on my monthly mortgage payment. 

At this point, I am livid because I agreed to finance my mortgage through Cadence because of the interest savings I would incur if I opened an account. I was never told that my checking account would be charged service fees - that defeats the point of me signing on and opening the account in the first place when they are essentially charging me on a monthly basis what I would be saving using their auto-debt account. It's just unfair and predatory lending that keeps people stuck using their accounts. 

In addition, I have had issues with their Mortgage Servicing Department as they will not incorporate my tax savings from my Homestead Exemption. Isn't that my right as a US citizen? I am essentially being charged 25 % more in escrow tax payments because of this. I have tried to copy the XXXX County Tax Assessors ' office on email with the servicing department to confirm the documentation I provided is what is required for tax savings and it has now been 14 months and nothing has changed. 

There is no direct contact number to speak with any supervising manager and none of my complaint have been answered. 

Please help. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX