davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MI)

I reached out to my mortgage company on XX/XX/XXXX in regards to a missed payment that happened in XXXX of XXXX. I purchased the home in XXXX of XXXX, several months before my wife became terribly XXXX My wife was diagnosed with severe XXXX XXXXXXXX and was XXXX for several months during late XXXX to early XXXX. The doctors had to perform XXXX XXXX just to keep her in a stable condition, this was a serious life or death matter for her. Later when I experienced the XXXX of my wife, I became her sole care provider and became disorganized with respect to making timely payments on Loan No : XXXX. Before my wife 's XXXX, my record was spotless in on-time payments, and since I missed a payment, I have worked diligently to rehabilitate my relationship with the mortgage company and have not missed a payment since then. I have advised the mortgage company of this and have even sent goodwill letters in hopes of forgiveness for this missed payment due to my wife 's XXXX. I have even asked if I could supply documentation that would assist in reaching a positive outcome, I asked if I could furnish my wifes XXXX records, diagnosis paperwork, and aftercare procedures if it was needed.
Consumer complaint received 2019-01-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC (FL)

Pacific Union XXXX County Clerk XXXX FL Police have responded to my house 25 times in past 2 years regarding fraudulent wellness checks by co borrowers parent. 

I was threatened and told to sell house by police and co borrowers parent. 

My house was put up for sale fraudulently without my signature. Police arrested me on false charges. The police officer XXXX laughed about how Id be held on no bond and my house would be sold before I got out of jail. 

DA signed formal charges same day they supposedly recorded a deposition with alleged victim but wouldnt produce it to courts. 

I asked for expedited trial and they dropped charges right away. 

But co borrowers parent still got my 401k and my account balance.
Consumer complaint received 2019-01-12
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 was given a free credit report I noticed there are accounts on there that are NOT associated with me, I have never went to any hospitals EVER and receive any type of medical service, someone has either used my name or fraudulently said they were me. Theres 3 accounts from XXXX XXXX XXXX in the amounts of {$710.00}, {$730.00}, and {$590.00}. I want to either see a valid signature and ID that was used to verify me and or said it was me, I want proof of all documentation that was received in order to receive medical services from the facility or hospital.
Consumer complaint received 2022-02-05
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. (GA)

Hello, I am trying to get to the bottom of the issues on my credit report. I have sent letters over 30 days ago to each credit bureau to dispute the numerous incorrect items on my credit report and have yet to hear anything back. I am trying to put my life together and make some big purchases but the many things on my credit reports that do not belong to me are getting me denied for so many things. I can't buy property, get approved for credit cards or increase my family 's financial situation. This is putting a strain on my home life and I am now at a loss as to what to do.
Consumer complaint received 2019-12-09
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$1000.00} REV  {$890.00} MIN {$39.00} {$100.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Late Dates : XXXX ( See status ), XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$1000.00} REV {$750.00} MIN {$39.00} {$97.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX ( See status ), XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (SC)

I have been receiving nasty calls from Caine and Weiner since mid XXXX. When I ask what is the nature of the calls the agents get upset and rude. Today on XX/XX/22 I received mail. I called and advised that the debt was paid. The agent still insisted that I pay. I spoke with XXXX who advised me that I no longer owe the debt and correspondent has been sent to Caine & Weiner company.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (TX)

Years ago I suffer identity theft, immediatly I report the issue with irs, and put a freeze on my SSN, but my credit was used plenty of times, with companies that don't verify credit. That has been used from XXXX XXXX to hospitals.
Consumer complaint received 2019-12-09
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$1000.00} REV {$890.00} MIN {$39.00} {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Dates : XXXX ( See status ), XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$1000.00} REV {$750.00} MIN {$39.00} {$97.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX ( See status ), XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-12-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American First Finance, Inc. (WA)

ON XX/XX/2019 I went into the XXXX  XXXX  located at XXXX  XXXX  XXXX   XXXX WA XXXX  and purchased a chair with credit through American First.  The agreement was made only on the condition that they would not take out auto payments.  This was clear and written into the contract.  American First set up auto pay anyway.  They broke this contract.  I am very fearful that this company will do this again, because they already have broke this contract, and therefore I do not want their product at all, they have said too bad they will not take the product back.  I do not want to work with a company who has already broke a legal contract.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (WI)

To whom it may concern, I have been a loyal BMW owner for nearly two decades. I am now trying to buy a house and my lender informed me that there are a few late issues being reported on my credit by BMW that is severely impacting my loan rates. I basically live on an airplane for work and consistently use the automated system to pay my bills not only for the current month, but more often than not for the upcoming month in order to avoid situations like this. I was not notified by any person that there was a detrimental lag in payment. It appears that I have 3 different 30 day 'late ' considerations and one 90 day 'late ' reported. Even throughout Covid I never asked for any of these to be removed when you couldn't get a hold of a representative most likely due to poor staffing and I used their automated system.
Consumer complaint received 2022-06-03
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: EQUIFAX, INC. (FL)

in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX, XXXX ACCOUNT XXXX XXXX, XXXX ACCOUNT # XXXX, XXXX CARD ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT XXXX XXXX, XXXX  ACCOUNT # XXXX, UNKNOWN ACCOUNT # XXXX, XXXX XXXXXXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXXXXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (TX)

Experian refuses to comply with my demands. They continue to violate my consumer right. I have made complaint after complaint just for them not to comply. I have being continuously violated by Experian. i am demanding them to stop infringement and discriminations as well as identify theft and follow laws as they state. i will start to seek further litigation for the violation of consumer rights. repeatedly breaking the law. my demand need to be met immediately. They are keeping bad information on my report demeaning me unworthy or credit or a home. They are using their status to discriminate towards me and keep me on the lower levels or credit worthiness LAWS TO SEE : according to 15 U.S. Code 1666B it's a billing error. Also, if a finance charge were included it shouldn't be no late payments 15 U.S. Code 1605 ( a ) finance charge because that's the sum of all charges so you can't penalize me for something paid in full. 15 U.S. Code 1681e ( b ) which is maximum possible accuracy. DEMANDING inquires and collections as well as late payment need to be removed... 

Collections remove!!! ( XXXX XXXX XXXX Opened XXXX {$2700.00} ) CLOSED ACCOUNTS REMOVE NOW!!! 

XXXX XXXX XXXX XXXX  XXXX Remove XXXX XXXX Closed Closed on XX/XX/2016 XXXX XXXX Closed XXXX XXXX XXXX  Closed Closed XXXX XXXX XXXX XXXX  Closed Address where advised my only address is XXXX XXXX XXXX XXXXXXXX XXXX tx XXXX Remove addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX
Consumer complaint received 2022-02-04
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. (FL)

Pursuant to 15 USC 168 the the FCRA ( Fair Credit Reporting Act ) -Experian, XXXX and XXXX has unlawfully used and or reported on my credit file causing great harm to my family and I. I have never authorized, by written wet ink, Experian to furnish or report any information regarding my credit file.
Consumer complaint received 2019-12-09
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: Experian Information Solutions Inc. (NV)

I have contacted the collection agency XXXX XXXX directly, as well as, Experian, XXXX, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Consumer complaint received 2022-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing due to non-compliance with Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond and complete its investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Ive just obtained my credit report and noticed the following error ( s ). The Health Insurance Portability and Accountability Act of 1996, ( HIPAA ) sections 261-264 require the secretary of HHS to publicize standards for electronic exchange or 43 US code 1320D 9 note. I have no knowledge of XXXX XXXX Account # : XXXX, showing a balance of {$590.00}. 

I NEVER signed a contract with this company and have no knowledge of either company, therefor it is a violation of my FCRA rights. I would like this DELETED from my credit report as soon as possible.
Consumer complaint received 2020-12-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Hello, This is a continuation from several previous complaints, most recent was XXXX. 
We are now still waiting for a financial breakdown as to a HUD modification that was added to my loan, the amount of the loan exceeded the amount of the 3 forbearance payments, and no one to date has been able to tell me why, nor did they follow up as I was promised with these answers. 
More importantly, we are now in the process of completing a refi with Wells Fargo, and I have just been told by XXXX XXXX, Wells Fargo Home Mortgage Consultant, XXXX ID XXXX, that my refi can not be approved because of the HUD Modification that Wells Fargo attached to my mortgage. I was also told that this Modification was the first he had seen, and that normally the 3 forbearance payments were moved to the back of the loan. I was also told that I should have been given the option to move the payments, and not add a modification to my loan. 
I was told in XXXX when Wells automatically enrolled me in the cares forbearance program that the payments were simply moved to the back end of the loan, with no fee 's, or penalties. 
I would like this HUD modification removed from my loan, and Wells Fargo to adhere to the program as it was stated to me, and move the payments to the back end of my loan, and the right to complete my refi.
Consumer complaint received 2019-01-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (CA)

On XX/XX/2018 I purchased a XXXX Gift Card from a local supermarket. I loaded it with {$200.00} and paid the {$5.00} fee required to purchase the card. I was careful and made sure the cardboard packaging which held the physical card was in no way opened. When I checked out at the supermarket it was the first time the package was opened exposing the barcode and 19 digit proxy number. I went home and placed the gift card in a box and placed it under the XXXX tree as a gift for my wife. 

A few days after XXXX my wife tried to make a number of purchases with the card and her attempts were denied. 

The card is issued by XXXX and distributed and serviced by Blackhawk Network California , Inc.I tried calling the phone number on the back of the card but it was impossible to speak with an agent. Only when I tried report the card lost or stolen, which it wasn't, was I able to speak to a live person. It appears that while the card was sitting under my XXXX tree, the day after it was purchased on the XX/XX/XXXX, it was used at a XXXX XXXX  XXXX for the amount of {$200.00}. This effectively brought the card balance to XXXX. 

There was no way anyone could have gotten the card information before or during the purchase process. I have to therefore deduce the card info came from XXXX 's computers during or after the activation process. 

I've filed a claim about the fraudulent purchase but they say it could take 90 days to resolve with no guarantee of a refund.
Consumer complaint received 2022-06-04
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. (NY)

I have never had an XXXX XXXX Credit Card. I have an credit card reporting to my account associated with an address I have never lived. I have disputed this claim numerous times with nth the card issuers and Transunion. The only address on my credit report is my XXXX, NY XXXX. Which is not the account address I've been told is associated with this card.
Consumer complaint received 2022-06-04
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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