davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My most recent request to TransUnion and the other bureaus on XX/XX/2020 is being ignored. I had specific questions about the accuracy of the items on my credit report and I am not getting an adequate response. I spoke with a representative at XXXX on XX/XX/2020 and they stated they received my letter but they want me to open a new dispute. I dont want to open a new dispute. I am asking for the specific questions I asked in my letter on XX/XX/2020 be investigated properly. This situation is causing me distress and affecting my ability to get credit.
Consumer complaint received 2022-03-11
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. (CA)

XXXX XXXX XXXX AGREED to close account # XXXX. Payment was made on XX/XX/22 via XXXX XXXX. It has posted on their Ledger and Debited and posted from Bank Account -- -- The account should show AS PAID and CLOSED and they have NOT done so XXXX XXXX XXXX is now AVOIDING MY CALLs. They have NOT met their obligation to reflect account as PAID and CLOSED following several conversations with the Compliance Analyst, XXXX XXXX This account has been PAID and SHOULD REFLECT CLOSED on my CREDIT FILES but it is not As they promised, I NEED A LETTER FROM XXXX XXXX stating that the account has been PAID AND CLOSED ..... 

This company is VOILATING THE FAIR CREDIT REPORTING ACT
Consumer complaint received 2019-04-30
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. (AR)

I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
Consumer complaint received 2019-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (SC)

XXXX XXXX from Caine & Weiner has contacted me via work email more than 20 times in the past 20 days in regards to a debt that is not associated with me or my company. My husband and I purchased assets only of a small business in XXXX of 2019. XXXX was notified that the company was under new ownership. The previous owner also notified XXXX that the debt had been settled years ago. Despite the fact that this debt does not belong to me or my company and we have asked that XXXX and Caine & Weiner stop contacting us about this debt, her emails persist.
Consumer complaint received 2019-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

I had a 30 fixed mortgage serviced through Roundpoint Mortgage Servicing Corporation located at XXXX XXXX XXXX, XXXX, NC XXXX. The loan number was XXXX. They transferred my loan to XXXX XXXX XXXX on XX/XX/XXXX. I had been paying two months in advance, and my loan was up to date as of XX/XX/XXXX. I contacted Roundpoint at ( XXXX ) XXXX on XX/XX/XXXX asnd they confirned that I was paid up to XX/XX/XXXX. I received my welcome package from XXXX, and they said that I was showing that was paid to XX/XX/XXXX, and that I had to send in my Payment for XX/XX/XXXX. I contacted Roundpoint and spoke to XXXX in their XXXX service center on XX/XX/XXXX and he said that they would do an investigation and send my a payment history that would take about a week to get to me in the mail. It is XX/XX/XXXX and I have not received it. I would like to know what happend to my two month of advance payments that were just over {$990.00} each.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NY)

Affirm, you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

They have ignored my requests.
Consumer complaint received 2023-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (NY)

A derogatory mark/debt collection for {$110.00} from IQ Data International was reported on my credit reports in XX/XX/2022 but I have never been contacted by them ( or even by the original owner of the debt, XXXX XXXX XXXX ) by phone, email, in-person or otherwise regarding this collection. I have not received a single notice or communication about this debt collection or how I could pay it before it was reported to the credit rating agencies. Because it is significantly impacting my credit report, this practice does not seem fair as I would have paid it if I was given the opportunity.
Consumer complaint received 2022-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MI)

I purchased my home in the city of XXXX in XX/XX/XXXX. Rocket Mortgage is my lender. Since XX/XX/XXXX my property taxes have been overestimated. Rocket Mortgage estimates that my taxes are {$4600.00} but my actual tax bill for XXXX XXXX was {$2700.00}. I received an escrow reimbursement but the company continues to over estimate my taxes. I have called several times and I have escrow analysis completed per my request to no avail. The following are the dates of escrow analysis that I requested : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They were all completed by Rocket Mortgage but resulted in no change necessary. I have emailed and uploaded my tax bill for XXXX XXXX taxes which clearly states my home 's taxable value of {$32000.00} and the XXXX  % of 100 % and as a XXXX Property class. There is no reason at this point that my escrow balance should be so high. I talked to multiple different specialists and while they agree that I am correct, they tell me they don't know what should be done to fix it. They have also requested research be conducted and the research always comes back stating that my taxes are estimated at nearly double of what they are in actuality. 

I feel that this company is essentially holding my money XXXX since I am unable to use it and it is not accruing any interest while in the escrow account. How many other clients are experiencing this? It seems like it would be a pretty convenient way for a large company to claim to have more liquid assets than they actually do.
Consumer complaint received 2022-07-09
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. (IN)

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (AZ)

Hello, There was a past medical bill at XXXX Hospital in Pennsylvania for the amount of {$370.00}. I spoke to them a while ago and it was taken of my credit report since the insurance paid it. 

Now they sold this debt which was paid off already to Commonwealth Financial. I never received a letter from them, I was not even able to ask for verification of debt. I spoke to them and they were really rude said they sent one letter to an address which I do not live in. Tried to explain the situation and did not listen. 

They said the treatment was done on XX/XX/2015. I told them it was paid in full by the insurance company and they said I had to pay them or legal actions would go against me. 

I let them know the statue of limitation for medical debt in the state of Pennsylvania is 4 years. They said the do not go by the statue limitation and either I pay or they will take me to court. Please help me resolve this problem Name of the company : Commonwealth Financial Address : XXXX XXXX XXXX, XXXX XXXX, Pa XXXX Phone Number : XXXX
Consumer complaint received 2022-03-11
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Millco Management (NC)

I was reviewing my credit report and I found a bill from XXXX XXXX that was sent to collections on the dates that it was acquired I had full medicaid and shouldn't have the collection more than. One dispute has been entered and they refused to remove and submit a claim for my insurance it is therefore not a valid debt
Consumer complaint received 2022-07-28
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc. (MD)

This communication responds to your all of the three major credit institutions, XXXX, XXXX, Experian, their Unfair, Fraudulent, deceptive, and wrong practices of debt reporting on your platform. I have a credit history since XXXX unbroken years with several accounts I've had, managed, and paid. Still, your agency only displays my credit history of six years because your agency places customers based on their names and places of origin on a predatory list, judging by my name. In addition, you have instituted nepotism in your reporting causing my Family and me unrepairable damage by displaying wrong information on my report. 
You have kept me down for over two decades, and I will not allow you to continue perpetrating XXXX  and manipulation with my credit. All your reports on my file are false and misleading. XXXX XXXX never contacted me by phone, mail, or by no means blatantly disregarding the Fair Debt Collection-Law, Federal Trade Commission 111-203, title X, 124 Stat.2092. 
Your agency has violated the FTC Fair Credit Law, 111-203, title X, 124 Stat.2092, sections 805-806-807-808-809. Plus, this same debt was attempted and placed on my report by ( Contract Callers ) ; I had to provide all necessary details/receipts before you removed it. Without investigation, you've put it back with another predatory credit collector. I offered/uploaded all the receipts verifying their claims, and the report was investigated by your same agency and cleared of my information. Still, you decided to report this same false claim with the XXXX XXXX XXXX. The same you have consistently done for XXXX XXXX XXXX, This agency has permanently changed the fake report amount they claim I owed. For twelve days of rent, from XXXX XXXX XXXX XXXX, they have held the inconsistencies on the amount owed, 1st reported {$900.00}, 2nd XXXX, then {$7900.00}. " What in the world '' is your agency 's justification for adding this report back on my information after the adjudication process proves it was false. The fact that they continue to change the amount is another gross violation. Please be advised that this issue of false reporting will be officially reported to my State attorney 's Office, District Court, CFPB, XXXX XXXX, etc.
Consumer complaint received 2022-11-05
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. (KY)

15 u.s.c.1681 section 602 A states I have the right to privacy.

15 u.s.c 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.

15 u.s.c 1681 A 5 section states no consumers reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 


XXXX 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 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I have contacted the credit and agencies and tried to get them to remove unvalidated collection accounts and delete unknown names and addreses from my credit report, they have refused over and over and not even attemp to address my concerns.
Consumer complaint received 2023-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (FL)

Rent Recovery Solutions XXXX ( RRS ) reported to my credit reports in the month of XX/XX/XXXX on ( XXXX ) that I have a past due balance of {$260.00} ( Account Number XXXX ). I have not received any form of communication written or verbal from RRS. 

A debt collector must first contact me, they are required to provide me with certain information about the debt theyre trying to collect. 

Secondly, the statute of limitations for debt in Florida is five years. A creditor has five years to sue you for the money you owe. Most debts are based on written agreements and the statute of limitations period for contract actions is five years. 

RRS stated on the credit report that the ( Date Opened ) is XX/XX/XXXX. I have been a Florida resident since XXXX.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX my mother and myself executed a Minnesota Statutory Short Form of General Power of Attorney in the presence of, and notarized by Wells Fargo Banker XXXX XXXX XXXX. At time, and with both of us present, we requested that all my mother 's accounts be modified to replace my deceased father 's name with my name as co-owner with right of survivorship. We were told the before that could be accomplished my father 's name must be removed from the accounts and that we must provide a certified death certificate before that could be done. On XX/XX/XXXX I was able to obtain a certified copy of the death certificate and hand delivered it to Wells Fargo Banker XXXX XXXX XXXX and an appointment was made to modifiy my mother 's accounts to replace my father 's name with my own. However, when I arrived at the appointment I was told I would only be added as Power of Attorney and not as co-owner with right of suvivorship. This distinction is critical as our family intends to form a family trust with these assets and if my mother passes before this can be accomplished, the estate must be probated and we will be unable to form the trust we intend to establish. I then filed a complaint with the Wells Fargo Enterprise Complaints Management Office. The issue was not resolved as a result of the complaint and Wells Fargo responded that MN statute XXXX was not specific enough to allow Wells Fargo to modify my mother 's accounts as requested unless my mother executed yet another notarized statement to allow modification to co-owner with right of suvivorship. 
On XX/XX/XXXX, and in response to questions regarding my mother 's condition I executed an Affidavit of Attorney-in Fact as Conclusive Proof of Nontermination and Nonrevocation as allowed by Minnesota Statute to absolve Wells Fargo of any liability for my actions as Attorney-in Fact as allowed under Minnesota Statute. Again, my request to modify was denied and on I filed a complaint with the Minnesota Attorney General 's office as Case number XXXX. This time Wells Fargo responded that their legal department had reviewed my documents and f '' aound them acceptable, however, " as an alternative we will request you to obtain and attorney opinion letter that confirms that according to the attorney 's understanding of Minnesota law, the POA document presented does contain relevent authority in order to add the Attorney-in Fact on the accounts as joint owner with rights of survivorship. It is rediculous and unethical for me to hire an attorney to give Wells Fargo legal advise as well as entirely unreasonable for me to have to pay legal fees to accomplish and account modifiation. I have had no problems modifying savings and safety deposit box accounts at another bank. Wells Fargo is not complying with Minnesota Statute and continues to deny me the ability to properly manage my mother 's estate.
Consumer complaint received 2022-04-11
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)

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 given reporting agency can not furnish an account without my written instruction.

15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CapitalOne is violating the California Constitution usury laws maximum interest rate by charging a 28.49 % APR rate on a SECURED credit card in which I paid {$800.00} for only a {$1000.00} limit. 

Capital One is also charging a {$23.00} monthly INTEREST charge on their secured credit card. 

Capital One asks for a {$40.00} monthly minimum fee and then automatically takes out {$23.00} for a monthly interest fee making it very improbably that Ill ever be able to pay off my secured credit card with the income that I have reported. 

Limit Increases arent possible on Capital One secured cards. Capital One is using deceptive practices by giving the option for a limit increase and then denying all limit increases. 

If I choose to pay off {$40.00} monthly due to it being all I can afford, very little of my balance from CapitalOne ever goes down. Capital One even reported an inaccurate balance of {$1000.00} yesterday to XXXX when my balance is lower than that amount. 

CALIFORNIA CONSTITUTION ARTICLE 15 USURY SECTION 1. The rate of interest upon the loan or forbearance of any money, goods, or things in action, or on accounts after demand, shall be 7 percent per annum but it shall be competent for the parties to any loan or forbearance of any money, goods or things in action to contract in writing for a rate of interest : ( 1 ) For any loan or forbearance of any money, goods, or things in action, if the money, goods, or things in action are for use primarily for personal, family, or household purposes, at a rate not exceeding 10 percent per annum
Consumer complaint received 2022-09-27
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: EQUIFAX, INC. (NC)

This is not a dispute. DO NOT DELETE AS A DISPUTE. THIS IS A REPORT DISPUTE REGARDING XXXX.ACCESSING MY CREDIT REPORT IN A MALICIOUS MANNER THAT MAY CAUSE MY CREDIT SCORE TO FLUCTUATE NEGATIVELY ..... PLEASE REVIEW THE ATTACHMENTS WHERE XXXX HAS REPORTED TO MY CREDIT FILE OVER 25 TIMES REPORTING BOGUS DATA AND THE NEXT DAY REMOVING IT, THEN AGAIN THE NEXT DAY UNTIL THEY HAVE REPORTED BOGUS ENTRIES AND IS CAUSING ME DAMAGES EACH DAY.
Consumer complaint received 2022-03-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My wife received an email from Capital One on XX/XX/2022 that was for me that a checking account was opened. I called Capital One and told the representative that I didn't open an account. I gave her my name and she said, an account was opened on XX/XX/2022. I said, you need a social security number to open an account say replied yes. I asked her what the number was and she asked me for my last XXXX numbers of my social security I told her the numbers and it was my last XXXX numbers of my social security.
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX has violated my rights.

15 USC1681 Section 602 States I have the right to privacy.

15 USC 1681Section 602 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

This is a violation of the No Surprises Act.