davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Collection Management. Inc (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2022-07-16
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. (TX)

I requested copy of permissible permission use to access my credit report in XX/XX/2017 by XXXX and Experian. XXXX ignores by labeling everything duplicate complaints and a consumer can not reply. XXXX attorney 's have learned a game in order to avoid liability. Experian repeatedly replies " At your request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. '' So XXXX & Experian 's childish attorneys deny deny deny and run from liability by smoke and mirrors. Experian & XXXX are cheat companies.
Consumer complaint received 2020-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I contacted my mortgage company WELLS FARGO to inquire about what types of services were available IF my renter 's were unable to make their payment due to covid. It was for an inquiry purpose and I was told that I would receive a letter regarding any programs available. I was also told that late fees were waived across the board due to covid. I did infact receive a letter and in that letter it stated my mortgage was placed in forbearance! I did not request any forbearance. Recently I was notified by a lender that it showed on my credit report and have been trying to have it removed since then. I have been unable to have it removed despite multiple phone calls to the executive office. They are " investigating '' ''. I have not been able to receive an email or paper trail confirm ing the removal or my calls to the the company. My  mortgage payments are current and have been for the past 10 plus years. I have been unable to pursue obtaing a new loan for a car or home.
Consumer complaint received 2022-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

After I legally terminated my car insurance with XXXX, I have received messages from an unknown company asking to further contact them without any disclosure of the XXXX  amount. The Credit Collection Services were notified via text that I have email record that can justify that I terminated the policy with XXXX as of XXXX XXXX. Although the existing policy was due to be expired in XXXX XXXX the new Insurance Career, the effective XXXX XXXX XXXX was effectively taken place as of XXXX XXXX. Then I sent a notification via XXXX to XXXX agent, and later was told the agent was dismissed. 
Thereafter, I spoke to another agent who had documented the fact in order to report it to other representatives with XXXX. The fact of the matter remains a bad faith, regardless of the dismissal of a clerk a client should not be responsible for paper trails. Please reach out to the collection agency to stop harassing me for debt that I do not owe. The company can be reached at XXXX, XXXX, and the RE : # XXXX XXXX regards, XXXX XXXX
Consumer complaint received 2022-07-13
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. (GA)

I pulled my credit reports and XXXX XXXX XXXX XXXX is reporting a balance of over {$10000.00} for a credit card that they say belongs to me. Please remove this, it has been reporting for XXXX  years now. I need it off my credit report. It is fraud. Thank you.
Consumer complaint received 2022-09-03
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. (GA)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

This complaint is about inaccurate reporting that I have disputed on several occasions and it hasn't been resolved. The company has been manipulating the statue of limitation and reporting C/O every single month on my credit report. 

Its been over 60 days and no one still haunts resolved this issue which to my concern that it should be corrected or deleted. This complaint is for Experian. I gave this company so many chances and now I want to seek damages for financial injury. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} : Been disputing this account for to long not to see any results happening I demand {$1000.00} per violation on my credit report or DELETE the negative account and any other inaccurate negative information you are reporting on my account.
Consumer complaint received 2022-07-17
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, XXXX  Account number XXXX XXXX  Account number XXXX XXXX XXXX  Account number ( XXXX XXXX XXXX ( Experian XXXX ) XXXX FIN Account number XXXX US DEPT ED Account number XXXX XXXX  Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX number XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount number XXXX XXXX have 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 1, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

MY HOME IS FINANCED THROUGH DITECH MORTGAGE, IVE HAD A NUMBER OF PROBLEMS LIKE EVERYONE ELSE, BUT IN XXXX I HAD TO FILE A CHAPTER XXXX, AFTER THEY KEPT HARASSING ME KEPT SAYING I MISSED PAYMENTS, CALLING MY FAMILY MEMBERS IN THE ARMY WHO HAS NOTHING TO DO WITH MY ACCOUNT, EVEN MY AUNT ON MY DADDYS SIDE, SO I HAD TO CALL THE XXXX   ABOUT THIS, SO THEY WERE TOLD NOT TO EVER CONTACT ME UNLESS IT WAS IN WRITING, SO THEY ARE UPSET TRYING TO RETALIATE AGAINST ME, IM HAVING REPAIRS FROM THE STORM DONE ON MY HOME RIGHT NOW, WATER DAMAGE AND ITS POSSIBLE MOLD IN MY HOME, SO I HAD BEEN TRYING TO TALK TO MY INSURANCE COMPANY THE ADJUSTER XXXX XXXX, WITH XXXX   XXXX TO SEND THE MONEY FOR THE REPAIRS, HE KEEPS STATING THEY SENT THE MONEY, I SAID I DONT HAVE IT, SO FINALLY HE SAID CHECK WITH THE MORTGAGE COMPANY, SO ON XX/XX/XXXX I DID I SPOKE WITH A LADY NAME XXXX, WHO THEN TRANSFERRED ME TO THE CLAIMS DEPT, ( XXXX ) I TOLD HIM WHAT THE PROBLEM WAS HE STATED THAT THEY HAD THE CHECK THAT WAS IN QUESTION FOR XXXX, THAT THE ADJUSTER KEPT SAYING THAT HE ALREADY SENT ME, I KEPT TELLING HIM NO I DONT HAVE IT, I HAD THE ROOF DONE, AND THE ROOFING COMPANY WAS GIVEN XXXX FOR THE ROOF AND THE OTHER PART WAS FOR THE REST OF REPAIRS INSIDE, SO WHEN I SPOKE TO XXXX AT DITECH ON XX/XX/XXXX SHE STATED THEY HAVE THE REST WHICH IS XXXX AND THATS BEEN OVER A YEAR, SHE SAID OH WE WERE INTENDING TO SEND IT BUT I DONT KNOW WHY WE DIDNT, BUT YOU WILL HAVE IT IN ABOUT 5 DAYS, SO FAR NO CHECK, I CALLED BACK ON XX/XX/XXXX SPOKE WITH XXXX SHE STATED THEY PUT A STOP PAYMENT ON CHECK, STATED THAT SHE SAW IN COMPUTER THAT THE CHECK HAS BEEN RE PROCESSED AND I SHOULD HAVE IT BY XX/XX/XXXX, NO CHECK AS OF TODAY YET, THE CONTRACTOR HAS COMPLETED THE WORK AND WANTS HIS MONEY, SO EVERYTIME I CALL THIS RUDE LADY NAMED XXXX ANSWERS THE PHONE, HARASSES ME RUDELY, THEY WILL NOT EVER LET YOU SPEAK TO A SUPERVISOR, AND IM SICK OF THESE PEOPLE, IVE PAID INSURANCE ON THIS HOME SINCE XXXX, THIS IS MY FIRST CLAIM, IVE BEEN GIVING THEM ALL MY MONEY OVER 20 YRS NOW, I SHOULDNT HAVE TO DEAL WITH THIS XXXX.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

All 3 credit reporting agencies show inaccurate information on my reports. My XXXX loans are consolidated into two accounts. I requested that the individual accounts that are transferred and closed be removed. I have accounts that have inaccuracies in dates open and last active reporting. I am making the effort to clean up my credit report to prepare to buy a home in the next 6 to 12 months. I would like to take definitive steps to improve my credit report and need the cooperation of the credit bureaus. I sent correspondence on XX/XX/2020 and some items were deleted. I filed a personal address dispute with XXXX this month and they will not remove addresses that are not mine.
Consumer complaint received 2022-07-16
Product: Student loan — Federal student loan servicing
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: Maximus Federal Services, Inc. (SC)

On XX/XX/2022 i sent a letter to XXXX in reference of student loans Promissory Note. I requested for a copy of the sign note to validate the debt.. I waited 30 days. I sent the letters out certified mail. 
On XXXX XXXX I decided to submit another letter since I have received my request from XXXX. I requested for the same information and as a consumer under the 312 FCRA transaction right to have information I requested. I have received any paperwork from XXXX pertaining to the Promissory Note. 
Here I am on XXXX XXXX, I submitted another letter for the same request. As of this day XXXX never responded to my requestor responded at all.
Consumer complaint received 2022-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent letters to XXXX, XXXX and TransUnion on ( date of 609 letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since 609 letter was sent ) and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I have called Nationstar/Mr.Cooper mortgage company on several occasions trying to provide a corrected property tax bill ( XXXX ) when I submitted the bill their tax department continues to enter the wrong amount ( XXXX ) which gave me an overage in my escrow account of ( XXXX ). When I pointed this out and submitted the correct tax amount the company stated they would update this to reflect the correct amount. They mailed me a check for the shortage and I explained to them it was incorrect. 

Mr. Cooper rep then stated once I get the check to put the check back in escrow since the correct property tax amount would leave a shortage. The check finally came today on XX/XX/13. the money was refunded back to my escrow account and now the amount for property tax is showing ( XXXX ) AGAIN! this is wrong! it should be ( XXXX ). I have asked to speak to a manager several times to make sure this gets updated with the correct mortgage payment amount so I don't 1.Underpay my mortgage 2. Mr.Cooper sends the 2nd installment of my property tax correctly. 

I need to make sure Mr.Cooper updates my property tax bill correctly with the correct amount and sends the correct amount to XXXX XXXX for ( XXXX ) I have made a total of 6 phone calls so far. I have never experienced such a incompetent mortgage company.
Consumer complaint received 2023-02-15
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MD)

I applied for mortgage assistance from the Maryland XXXX XXXX XXXX XXXX XXXX ) program back in XX/XX/2022. I have submitted all the documentation for the assistance by XX/XX/2022 and they are now waiting for US Bank to respond to the request. The Maryland XXXX has been repeatedly trying to contact US Bank but haven't received a response with the information needed to get me the assistance from Maryland XXXX. I have called my mortgage company and they keep telling me they haven't received anything. I need someone to contact them to make them send in the information so I can get back on track with my mortgage payment.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violationwhich I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.
Consumer complaint received 2022-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

I have attempted to close my accounts with Bank of America at least a half dozen times since XXXX. I originally tried to close the accounts in XXXX, but this bank refuses to close them. Since that time I have received an update every few months that they have enrolled me for a new credit card, or they are sending me a new debit card. Each time, I have called them, waded through their abysmal excuse for an automated system, sat on hold for an hour plus, been passed from department to department until finally reaching someone who assures me that my accounts are closed. I am tired of the lies and terrible customer service from this bank.
Consumer complaint received 2022-07-16
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. (TX)

The most important thing is US Department of Education failed to notify me of the negative Item being placed on my credit report 5 days prior.

Equifax is showing the following two accounts as open when indeed they are closed. I've sent in multiple disputes regarding inaccurate information being reported but all I'm getting in return is an automatic " VERIFIED AS ACCURATE '' without doing an independent investigation. We are not past the time to correct the issue... You are not reporting in compliance with the FCRA guideline and rules and regulations.. Please, Remove this account from my credit report at once for inaccurate information and Negligence. U.S. DEPARTMENT OF EDUCATION account number XXXX U.S. DEPARTMENT OF EDUCATION account number XXXX 

Please mail me an updated credit report reflecting the changes. 
Thanks
Consumer complaint received 2022-07-16
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I ordered a Cashier 's check over phone with USAA on Wednesday morning XX/XX/XXXX for {$15000.00} for a new car purchase. I had additionally paid the extra fee for 1-2 day expedited shipping The money was debited from my account that same morning Wed XX/XX/XXXX and I received an inbox notification of the Cashiers ' check transaction on XX/XX/XXXX. The inbox notification states " to request a tracking number or to obtain a copy of the authorization, please allow one business day, then log on to usaa.com, our mobile app or call us at XXXX. '' By Friday XX/XX/XXXX, I had not received any notice of a tracking number on the mobile app or USAA.com. I contacted USAA by phone Friday morning XX/XX/XXXX to request a tracking number for the check. I was told they have no tracking number and they did not have any record of the check, but they did not see any errors and that everything was fine and they will put a note on my account that I called. 

I contacted USAA by phone Friday evening XX/XX/XXXX. After almost an hour on the phone, I was provided the same information, there is no recored of a check, and they can not provide a tracking number, but I should get one by Saturday XX/XX/XXXX. 

Saturday XX/XX/XXXX, I have not received a tracking number. I call the XXXX number for the third time. Again, they can not provide a tracking number, there is no record of a check, and they dont ' even have a check number. I was placed on hold multiple times before being told I was being transferred to a manager. After being on hold for another XXXX mins waiting for a manager, the call was disconnected from their end. 

- XX/XX/XXXX {$15000.00} was debited from my account for Cashier 's check that was supposed to be shipped in 1-2 days business days and a tracking number would be provided per their disclosure. 
- As of XX/XX/XXXX, USAA can not provide a tracking number, they can not provide a check #, and they can not provide any record of a check being produced. 
- Based on USAA policy, a cashiers check can not be cancelled for 90 days. 
- So based on their own policy USAA is holding {$15000.00} of my money for 90 days that they have no record of. 
- {$15000.00} is missing from my bank account, and USAA has no record of it. I've contacted USAA support 4 times in two days, been provided no assistance, no answer, no resolution, and been disconnected.