davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-06
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: Experian Information Solutions Inc. (IL)

Experian unwilling to fix credit. There are multiple mistakes, they would only fix two that were obvious duplicates.

There are others. For example, are three entries All initiated by XXXX by the same dealer for the same loan on the same car. I was told since the names are different that they would do nothing about it. 
Each of these multiple hard inquiries affect my score. Despite the fact that there is supposed to be a freeze on this account. Despite the company stating that they are not affecting my score, the institutions that I try to work with have said I was denied due to excessive inquiries ... Which should not have been able to take place because of the freeze. I Have always had Excellent scores. XXXX  only shows me with three inquiries. It seems hard to believe that one company can say 16 and another say 3. I am feel Experian is slandering my history.
Consumer complaint received 2022-06-24
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY (AL)

I paid my Mortgage using my Credit Union account transferring funds to the mortgage account at Wells Fargo. The Wells Fargo account reflected that it was paid, but they did not pull the money from the credit union account until today, XX/XX/XXXX, when it was paid on XX/XX/XXXX. I called my Credit Union on XX/XX/XXXX, XXXX XXXX XXXX and they stated that nothing had been pulled from the XXXX XXXX account. When I called Wells Fargo they state that it had been paid and on the site it shows that it had been paid on XX/XX/XXXX. 
Now today they have caused my accounts with XXXX XXXX XXXX to have a negative balance because of them holding this transaction for 5 days. I am tired of Wells Fargo taking my money and doing what they want with it. 
In XXXX, Wells Fargo took XXXX XXXX dollars from my account and sent it to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Alabama without my authority when the money was clearly mine. I only called Wells Fargo to report what XXXX XXXX XXXX XXXX XXXX was trying to do to me and they took my money and sent it to them without my authority and came back and wrote something up as if I asked them to do so. It was founded by the Alabama XXXX XXXX that XXXX XXXX XXXX XXXX XXXX owes me {$10000.00} the same {$10000.00} that Wells Fargo took and sent to them. 
I am tired of being bound by Wells Fargo!! I feel obligated to them because they have my line of credit and mortgage and I don't know how to get out.
Consumer complaint received 2020-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

After multiple attempts to dispute this debt of {$4600.00} that is in collections with National Credit Systems. I called directly and requested a verification package with proof and validation that the debt belongs to me, however, unfortunately, I received documents from them that are not only invalid but had expired. They have not been able to validate this debt and yet they refuse to remove it. The agent " XXXX XXXX '' behavior was very rude and condescending including making comments like " I'm not the one who needs a place to live or can't find a place to live '' The documents sent are expired documents that us not dated with my signature. When I called the last time to give them this information, I was told by XXXX that it " Your Proof Won't Help '' and he hung up in my face and refused to answer my call anymore. I then had to call and ask for a supervisor who wasn't there. If they can not validate that debt to me but they refused to remove is a direct violation of the debt collection practices and I would like to be compensated for their actions!. They have not been able to validate this debt but refuse to remove it! That is by your definition a violation of the Fair Debt Collections Practices Act.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried to cancel my transunion credit reporting subscription multiple times. The only way to cancel is to call, but when I call their 1-800 number ( as listed on the website ), they say " Please try again later. '' They are continuing to charge me each month and there is no way to cancel. 

Finally, I was able to reach them by phone, but I had to choose the 'french ' option. Luckily the french-speaking agent also spoke english and we were able to cancel. 

By then, I had already paid an extra month. 

IF YOU ARE A MEMBER OF THE PUBLIC READING THIS : Avoid transunion at all costs. If you HAVE to subscribe, use a burner/one-time credit card.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2022-07-03
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. (FL)

in accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2020-08-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I filed for Bankruptcy in XX/XX/2020 and noticed that I was unable to access my loan information online specifically to make payments. I called and was told by the lender that I had to call and make my payments because of my bankruptcy status. Dovenmuehle has denied access to my mortgage information on their website. ( see attachment ) - I can not see any of my loan information, i.e. taxes, amortization schedule, fees etc. 

My bankruptcy was completed and discharged as of XX/XX/2020. I thought I would be able to have my online access returned after my discharge, however I was told I wouldn't be able to have this any longer for the term of my loan. When I called in XX/XX/2020 to inquire as to why I can not access my information online, I was told that I did not submit a re-afirmation agreement form during my bankruptcy. However, I was told by my lawyer that upon notification of my bankruptcy, the lender should have provided the this form. 

When called today, XX/XX/2020 - I was directed to the collection department. I was then told that I could submit a request in writing to the Research Department to see if there was any way to resolve this issue. I have sent an email and waiting for a response which they said would take up to 60 days.
Consumer complaint received 2022-10-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (WA)

XXXX XXXX contacted me without disclosing their intention of the call, left no voicemail. I called back and communicated with a representative about the alleged debt and stated that I do not owe the debt. The agent asked for information about the nature of my relationship with alleged debt original holder, the agent did not provide notification or inform me of my rights, that is required by law. I requested documentation and verification of the alleged debt, the agent did not provide any information about the debt other than the amount and original holder when I requested specific factual details about the alleged debt. Several days later I received a notification about my credit report having a new collections account from the collections agency XXXX XXXX.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite several disputes to the credit reporting agencies, XXXX XXXX continues to report an account that should have removed years ago. The entry- under account number XXXX- was opened on XX/XX/XXXX and subsequently closed on XX/XX/XXXX. While the account was closed in a negative status, it should have been removed almost XXXX year ago. My complaints have fallen on deaf ears.
Consumer complaint received 2020-08-27
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)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX {$19000.00} XXXX XXXX {$12000.00} XXXX  XXXX {$1000.00} XXXX XXXXXXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$70.00} XXXX XXXX   XXXX {$140.00} XXXX XXXX {$110.00}
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Account # XXXX XXXX XXXX XXXX XXXX On XX/XX/2020 we sold our home, which Bayview Loan Servicing was servicing our mortgage. At the time of the closing, we had {$5500.00} in an escrow funding account for taxes and insurance, which is to be refunded to us, as of the date of the home sale.

We have contacted Bayview Loan Servicing multiple times, regarding our refund. They acknowledge the amount to be refunded. However, as of today, we have not received our money. Bayview Loan Servicing keep sending us letters that they have refunded our money. Yet, we receive those letters, but, have yet to receive our money. 

We are requesting our {$5500.00} which is owed to us by Bayview Loan Servicing. This company has been nothing but trouble throughout the life of our mortgage. They have very poor customer service, and are rude at times. We are a retired couple ( over XXXX ), seeking to get our money from our escrow account. Thank you for your prompt attention into this matter.
Consumer complaint received 2020-07-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aspen National Financial, Inc. (GA)

I have no idea who Aspen Collections is or who they represent. Aspen Collections has has engaged in collection activity prior to validating a debt and and has not submitted any documentation to support their claim.

This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Aspen Collection is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested information from Aspen Collections via certified mail Return Receipt XXXX XXXX XXXX XXXX XXXX and the company has yet to respond When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Aspen Collections as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ Aspen Collections } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Aspen Collections, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reportin
g negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX, XXXX, XXXX and Equifax, 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX, XXXX, and Equifax are reporting personal information on my correct report. 
Here is a list of the incorrect addresses, please remove them : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Names : XXXX XXXX The only address that should be listed is shown on this complaint. I also would like for you to correct the spelling of my name. There should not be any variations of my name because it is spelled one way. I have enclosed my ID as proof of the correct spelling. Again, here is a list of the incorrect name spellings : [ XXXX XXXX ] Please send me an updated credit report as soon as you have deleted the inaccuracies listed above. Thank you!
Consumer complaint received 2020-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (LA)

The following accounts has caused me financial ruin. Iam disputing the accounts, because the accounts are an result of identity theft. I have reached out to these following companies several times. no results has been made. XXXX XXXX XXXX {$1100.00} XXXX XXXX  XXXX  XXXX  {$210.00} XXXX XXXX/XXXX  {$200.00} XXXX
Consumer complaint received 2022-06-29
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (CA)

My property insurance payment is included with my monthly fees, and the mortgage company, Newrez LLC XXXX, Shellpoint Mortgage XXXX, was supposed to pay it. Yet, they neglected to pay on time, allowing the policy to expire. Because of that, there was a gap : XX/XX/XXXX, XXXX XXXX, 2024, without coverage. They have imposed insurance for that gap and are charging me {$600.00}. I had a three-way conversation with their insurance department ( XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. The California XXXX XXXX confirmed they sent the renewal letters twice to them and provided the dates they were sent. Yet, the Newrez XXXX department denied receiving it, imposing that insurance gap and forcing me to pay for a mistake they made by not renewing the policy on time. I have tried to resolve the issue several times, asking them to rescind the charges, but they refuse to do so. I believe these are unfair and fraudulent business practices.
Consumer complaint received 2020-07-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

On XX/XX/2020, HSBC Bank USA, NA closed a savings account I have had with them for over 10 years. I did not receive any advance warning stating my account would be closed due to inactivity. Rather than send me the funds from the savings account, they have listed them as abandoned. I regularly sent back account verification forms that I received from HSBC. The Texas Comptroller has also investigated and stated that they do not have my funds. I would like HSBC to send the funds from my savings account to me. They are not abandoned, and they made no attempt to verify whether this was true or not.
Consumer complaint received 2022-08-20
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: AMERICAN EXPRESS COMPANY (NY)

I was notified by XXXX XXXX that 3 Hard inquiries were made under my name, none of which I authorized. One of the inquiries was made by XXXX XXXX Bank on XX/XX/2022. The 2nd inquiry was made by XXXX XXXX XXXX on XX/XX/2022, and the 3rd inquiry was made by American Express on XX/XX/2022. I've called all 3 banking institutions and they confirmed that they can not see account inquiries based on my current information. 

I can't understand then who made those 3 inquiries and why it's reflected on my account.