davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have made several attempts to have my address updated with both TransUnion and XXXX over the course of three years. I've tried to apply for financial assistance with dental and medical but get denied due to the wrong information and reasons will be mailed to me. Once the reason comes in the mail, its due to the wrong address with the credit bureau. Both credit bureaus have told me that the information they have in there system is wrong and will transfer me to a different department who will then verify my information besides my address and state that the issue was fixed but once I check it wasn't and the process begins with me calling again.
Consumer complaint received 2022-06-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

I HAVE PROVIDED FULL AND COMPELLING EVIDENCE TO PROVE THAT THESE ACCOUNTS CAN NOT BE ON CREDIT REPORTS. I AM PREPARED TO FILE A CIVIL LAWSUIT AGAINST YOUR BUREAU IF YOU DO NOT COMPLY.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2021-12-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

I have been having so many issues with Freedom Mortgage company since they purchased my mortgage. I have been a homeowner for over 6 years and I have never missed a mortgage payment nor have I been late on any payment. Due to the ongoing issues with Freedom Mortgage, I refinanced my mortgage from Freedom Mortgage company and is due to receive an escrow refund. On XX/XX/XXXX, I requested that my refund be mailed to me and the company collected my bank account and routing information stating that my refund will be deposited on XX/XX/XXXX. I called back on XX/XX/XXXX because the funds were not deposited to my account and I was told that it would be deposited on XX/XX/XXXX. I then called back on XX/XX/XXXX after not receiving my refund and I was told that the money will be deposited on XX/XX/XXXX. It is now XX/XX/XXXX and I have not yet received my escrow refund. 

None of the representatives at Freedom Mortgage have been able to provide justification as to why the date keeps getting pushed back, neither can they provide a date of when I should be receiving my money. Every time I call, the response I've gotten was that they will submit a request to have my money refunded. I don't know why it is so difficult to refund 'my ' money back to my account. This has caused a lot of XXXX XXXX XXXX XXXX on me, including my monthly bills being past due. 

I have been escalated to multiple escalation managers who have 'assured ' me that they have submitted a rush on the processing of my refund. I have also been told that I would receive a call back and has not yet received it. Every time I call Freedom Mortgage, I am being told that a new ticket has been opened with an expected completion date that is usually 2 weeks out. I called in again, now 5 weeks after my initial contact, to be told by an escalation manager that all the previous representatives have been entering the incorrect code which is why my refund has not been processed. With all the detailed notes that I have provided, including the required legal documents, how can 7+ representatives and managers all input the incorrect information? At this point, I am unsure if Freedom Mortgage is a legit mortgage company that will be refunding my money.
Consumer complaint received 2022-02-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Pursuant to 15 USC 1692 ( a ) Portfolio Recovery Associates used abusive practices in regards to acquiring my personal information as I have not opened an account with them nor did I give written consent to have my information. Portfolio Recovery Associates also violated 15 USC 1692j ( A ) because PORTFOLIO RECOVERY ASSOCIATES have contacted me in the past numerous times posing as a debt collector to collect debt from me, the consumer. Also 15 USC 1692g ( b ), this " alleged collector '' has failed to provide me with PHYSICAL proof showing my ORIGINAL contract with the ORIGINAL CREDITOR containing my signature. Portfolio Recovery Associates sent me a copy of an " alleged statement '' stating that it was verification. This does not contain original documentation nor does it contain my signature. My personal information was not permitted in writing by me, the consumer, stating that Portfolio Recovery Associates can retrieve my personal info which is fraud, which is a violation of 15 USC 1681b ( 2 ) which states that I have to give written instruction for my consumer report to be disbursed. This account is on all 3 of my credit porting agencies, XXXX, XXXX, XXXX.
Consumer complaint received 2021-12-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (TX)

I noticed a new entry of a Collection account on my Credit Report ( CR ) via the XXXX online platform on XX/XX/XXXX. The new entry was from I.C. System Inc. collection amount = {$900.00}. I contacted this company on 2 occasions, however, they seem unwilling to delete it from my Credit Report. This is the problem, it appears that someone used my personal name and ss number to acquire an account with XXXX  in the XXXX, Texas area. They apparently ran up a bill for {$900.00}. and then disappeared. Interestingly, I have an account with XXXX  since they were XXXX XXXX back in XXXX. As of today, my account with Spectrum is in good standing. Please note, The erroneous address is XXXX XXXX XXXX XXXX, TX. XXXX Please note, I have never lived there or have ever visited XXXX, Texas in all of my life. Therefore, it is plain as the nose on a face that this I. C. SYSTEM INC claim is fraudulent. They claim to have my correct name and social security number, but the account is fraudulent as I do not owe the original creditor, XXXX XXXX  any monies. Indeed, I have maintained a XXXX XXXX with XXXX for the past 15 years, and said account is in good standing.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NJ)

TDBank offers a bill payment service with its checking accounts. On XX/XX/XXXX, an authorized transaction payment of {$100.00} was sent to XXXX XXXX XXXX via bill pay. On XX/XX/XXXX my checking account showed a pending payment of {$100.00} to XXXX XXXX XXXX  I immediately called TDBank and a male the CSR told by me that XXXX XXXX XXXX pulled the {$100.00} from my account. XXXX XXXX at XXXX informed me that they did not and could not access my account. I again called TDBank and XXXX offered that there was a problem with bill pay system duplicating payments already made. I told her that is my reason for calling and she required i complete a dispute form and that it would only take a few days. Three days later, XXXX at TDBank told me I must wait 8 days for a response and on XX/XX/XXXX {$100.00} was deposited into my account. An XX/XX/XXXX email fromTDBank confirmed the deposit, advised that my XXXX XXXX was suspended, unable to recall the XX/XX/XXXX XXXX & XXXX payment I had to repay {$100.00} to XXXX, their XXXX XXXX XXXX XXXX finally, they threatened me with Collections. Tuesday XXXX I visited my TDBank branch and XXXX was left holding for 20 minutes and told to call XXXX. Today, XXXX I called XXXX and told XXXX that I live on a fixed income and could not pay until XXXX she abruptly told me to call back then and that my account would remain suspended until then, no matter that my creditors would not be paid and now payment info needed is not available. Then I called TDBank and was told they could not unrestrict my access to XXXX XXXX. I was referred to CFPB by Federal Reserve CSR.
Consumer complaint received 2021-12-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

I filed for bankruptcy XX/XX/2021, but I continue paying my mortgage on time and they accepted it. But on XXXX bill, they wont let me pay online just like before so I paid by phone and only asked for {$1400.00} instead of my usual payment of {$1400.00}. Then on XX/XX/XXXX, they said I have to pay an additional {$14.00} to complete my mortgage payment for XXXX. On XXXX bill, I was able to pay online again, but this time, it has an additional fee of {$20.00} for property inspection. Then today, XX/XX/2021, I saw an additional fee of {$320.00}, said its for attorneys fee and property inspection fee again. I asked if I get charged property inspection every month, she said shell transfer me to the bankruptcy department who dont pick up the call. I started calling at XXXX am XXXX time because they are based in Texas. I was very stressed because of frustration. The last call I made today was at XXXX am XXXX time, still no answer. I called XXXX in California but referred me to you as the mortgage loan server was Federally insured or licenced. I dont want to be late in my mortgage payment but I cant afford to pay the additional {$320.00}. I appreciate any help you can give. Thank you
Consumer complaint received 2021-12-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TN)

On XX/XX/2021, I locked in a XXXX XXXX fixed rate XXXX loan with Amerisave. Per the disclosure, the rate is good until XX/XX/2021. Over the next month, Amerisave repeatedly made basic calculation ( and other egregious ) errors with the loan including : XXXX. Misstating my income as {$5500.00} per month. I make ~ XXXX XXXXXXXX which averages to XXXX XXXX per month XXXX. Listing that I wanted XXXX XXXXXXXX in cash-out when I did not request any cash I repeatedly called the loan officer ( XXXX XXXX XXXX but did not get a response. I then contacted customer care for Amerisave. XXXX XXXX entered onto my file that he was in contact with me ( he was not ). He further stated that he informed me that my loan was closed due to my debt to income ratio. 

On XX/XX/2021, I asked that the issue be escalated and spoke to XXXX XXXX XXXXXXXX XXXX  Supervisor ) and XXXX XXXX XXXX ( XXXX of Sales ). They apologized for XXXXXXXX XXXX failure to contact me, and erronoeus statements that he had placed in my account. XXXX then asked XXXX to not contact me. XXXX ( XXXX ) informed both me and XXXX that some else would be assigned to my account. Shortly after XXXX spoke to XXXX, XXXX called me. 

I informed him that his XXXX stated that he was not to call me. XXXX went on to ask me to call XXXX and XXXX and ask them to place him back over my account. The conversation was completely intimidating and awkard. Later that night, XXXX XXXX called me back. He stated that Amerisave would not honor the locked in rate of XXXX XXXX at XXXXyears. I asked with all of the mistakes that Amerisave made and the extremely poor behavior from the loan officer could they honor the locked in rate. He stated no and offered me a XXXXyear at XXXX XXXX 

I have paid this company {$500.00}, and had been in a holding pattern for over a month been escalating the matter. I am requesting that they honor the offer they made ( yes I have the disclosure form documenting the locked in rate ).
Consumer complaint received 2021-12-02
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (NY)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave Department of Education/Navient any written consent to report anything on my consumer reports. no consent is identity theft. 

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation. Any credit transaction suppose to be excluded from a consumer credit report if a social security card was used in the transaction.

According to 15 U.S. code 1666b the timing of payments, Department of Education/Navient is in violation to my consumer rights. Reporting any late payments on a open-ended consumer credit plan is illegal. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any purpose.
Consumer complaint received 2021-09-24
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: DISCOVER BANK (IL)

I am a victim of Identity theft/fraud. 
I have notified Discover Bank, XXXX XXXX XXXX XXXX and XXXX XXXX several times that these accounts do not belong to me, I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft Affidavit signed and notarized along with my sworn statement regarding the fraudulent account. 
These accounts were reportedly opened online with someone using my ID and ss card which were both stolen and reported to the authorities years ago. 
Documents submitted to Discover Bank : affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA XXXX Discover Bank, XXXX XXXX XXXX XXXX and XXXX XXXX continue to report these fraudulent accounts on my credit report although I have provided these documents with no response from the companies or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (IL)

Scammers called my bank and informed them that I had lost my debit card and change my address to their. These are the same people that scammed me out of over XXXX They continue to harass me.telling me that the police can not do anything because this is not a criminal suite but a civil suite . NO one will help me I have contacted XXXXgovernment entities to my dispute I am on my own.
Consumer complaint received 2021-12-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CMG MORTGAGE, INC (IL)

I would like to file a formal complaint against CMG Financial mortgage. I noticed that my most recent credit report contains a late payment for XX/XX/2020. 

I reached out to the mortgage company directly to update these late payments. I explained my situation and how this was a direct result of the covid-19 pandemic. My cries fell on deaf ears and I was given the run around filled with false promises. I have a paper trail of my request. 

During the time the late pays took place, we had contracted the XXXX XXXX XXXX XXXX XXXX XXXX 
Additionally, due to the stay in place order in XXXX, Illinois, my spouse was out of work and my job began to limit hours. 

I have an excellent payment record. This was an unavoidable oversight caused by the economical effects of pandemic. 

My finances are top priority and I have organized all of my accounts and payment due dates, both on my computer and on paper, along with notifications and reminders for each one. Since then and prior to, Ive had a spotless record of on-time payments. I am asking for a courtesy adjustment on my account because of the pandemic.
Consumer complaint received 2021-12-02
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-12-02
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: Sequium Asset Solutions, LLC (TX)

Received an alert from XXXX XXXX that shows a delinquent collections had been placed on my account XX/XX/21. It's a company called Sequium Asset Solutions in XXXX GA. The only information listed shows XXXX XXXX.. so I had to XXXX to find that supposedly XXXX XXXX XXXX had a breach of data and are aware of fraudulent behavior from this company. We had closed our account on XX/XX/21 and actually have an {$18.00}. credit ( good standing always ). The amount XXXX shows owing is {$2800.00} and doesn't have any of our information attached, states it was from XXXX for 1 mth and due in 1 month?? Also states turned over to collections. We've never received anything from this company but yet they place this on our credit report. I attempted multiple times to contact this company to no avail. We contacted XXXX XXXX XXXX and was transferred 4 different times, all in an attempt to speak directly with their fraud dept. But finally was told they are not taking calls due to this major fraud taking over the phone lines. So we placed fraud alerts on our accounts in hopes that this company or person will not be able to do any more damage to our credit. Thank you. XXXX
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC. (MA)

I gave birth on XX/XX/XXXX, and my child received care from the hospital ( XXXX XXXX XXXX XXXX XXXX in XXXX, MA ) from XX/XX/XXXX through XX/XX/XXXX. 

On XX/XX/XXXX, I saw claims for this care in my XXXX XXXX web portal and paid them using my Health Savings Account ( HSA ) from Optum Bank. These payments were in the amounts of {$160.00} and {$170.00}, owed to XXXX - XXXX at XXXX. Funds were withdrawn from my XXXX for these amounts. 

However, on XX/XX/XXXX I received a pre-collections notice from XXXX - Neonatology at XXXX stating that my account was overdue, including the {$160.00} and {$170.00} I had already paid. 

I proceeded to call Optum Bank and speak with representatives on XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX to determine where my payments were. During those calls, I was told the XXXX payments in question were sent via physical check to the hospital department. Customer service reps confirmed the physical address the checks were sent to. This address was incorrect and I provided the correct po box over the phone. I was told a Stop Payment Order would be issued for the XXXX checks and new ones would be submitted to the correct address ( I also called hospital billing to share this info, where I was told they often had problems with HSAs like this ). 

During these calls with Optum, I was promised numerous times that I would be emailed a receipt of payment. I clarified my personal email address to ensure delivery, but never received any communications. 

On XXXX I received a final collections notice from XXXX - Neonatology at XXXX for the amounts of {$160.00} and {$170.00}. I proceeded to call the billing department and pay the full {$330.00} using my XXXX debit card to avoid being sent to collections. Since I had been told the payments were via physical checks, I thought payments could be stopped and I wouldn't lose any money. 

I then called Optum Bank on XXXX to ask for stop payments and was told new information : That the checks were electronic and no stop payment could be issued. I told the customer rep I had received conflicting information previously, to which he had no explanation. 

I asked if the payments could be reversed or canceled and was told no. I asked what would happen if the hospital billing department never processed the payments and if there was any sort of deadline for processing and was again told no, the payments would just stay in limbo. The only possible solution would be for the hospital to call Optum XXXX. So now I am out {$330.00}, with no way of reversing charges or getting the money back, due to numerous mistakes and misinformation on Optum 's part.
Consumer complaint received 2021-12-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation (CA)

My name is XXXX XXXX and I am writing this complaint on my own behalf, and there is no third party involved. I have never contracted with " Bridgecrest Credit Company '', whom is claiming that I owe an alleged debt. I do not consent to or agree with these claims. This company, whom I do not recognize and have no idea how they even have my personal information, is now reporting on my personal credit reports and causing harm to my personal reputation. I have never done business with this company and never authorized them to access any of my private personal information, nor make any of the fraudulent claims that they're making. This is Identity Theft and Fraud, and is in direct violation of a number of my rights as a Federally Protected Consumer, under 15 USC Chapter 41!
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: California Business Bureau, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

CALIFORNIA BUSINESS BU XXXX Balance {$1200.00}