davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CURO Intermediate Holdings (OK)

To my surprise this loan was taken out on XX/XX/2017. 2 days later my bank canceled my debit card due to it being compromised. I found out about this loan by a payment being taken out of my account. I contacted XXXX XXXX and they were not understanding that I did not take out this loan. I ended up having to close my account to stop the payments. I thought that would be the end of this. However now I see it on my credit report for {$2100.00}. I cant remember the initial amount. I think it was only for a couple XXXX dollars. Clearly my identity was stolen. I caught it early and this was the only thing they were able to get. Now its affecting my credit. I 100 % did not take out any type of payday loan. They cant even provide me a loan number or any other information regarding this loan.
Consumer complaint received 2021-03-23
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. (CA)

On XX/XX/XXXX I mailed dispute letters to each of the three credit bureaus. I still not received a response from any of them. If 30 days is the limit they have to respond, they have clearly gone over. There are accounts on my report that are older than seven years and they need to be removed from my report.
Consumer complaint received 2022-12-28
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. (MD)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

12. Validate Account XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

14. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

16. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

17. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

19. Validate Account XXXX. XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-03-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received a XXXX loan from Bank of America in XXXX of XXXX. The loan was for {$12000.00} I am now eligible to apply for loan forgiveness. However, when I access the loan forgiveness webpage on Bank of America, the maximum forgivable amount is {$11000.00} and can not be changed. I believe this amount to be incorrect. The correct amount should be XXXX XXXX of the loan or {$12000.00} I have contacted Bank of America multiple times regarding this issue and have had no response as of yet. It has been XXXX weeks since I initially contacted them regarding this.
Consumer complaint received 2022-10-12
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 account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX account name : XXXX XXXX XXXX # XXXX account name : XXXX # XXXX Account name : XXXX # XXXX Account name : 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 account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contenting any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

I'm writing about NEWREZ MORTGAGE COMPANY and their continued lack of satisfactory service on my account. 

They purchased my loan from XXXX, which was my preferred provider and I've been lied to and treated horribly since. I've paid my mortgage on time EVERY MONTH with no missed payments and have inquired about PMI in RESPONSE to a letter they sent me regarding the matter, for them to tell me that my FHA loan as a LIFETIME surcharge attached to it, and that it is NOT PMI, which is incorrect. I PAY PMI EVERY MONTH ON THIS LOAN. PMI drops after one has XXXX percent equity in their home. I contacted them over ayear ago about this via phone at which time their agent told me this, which I already knew. I was then just under the XXXX percent requirement. 

My home qualifies for the PMI release. They even sent me a letter telling me to call them to get it dropped. When I sent them an email via their web submission, I got the usual run around from them via email that my FHA loan has NO PMI but I have the surcharge FOR LIFE. I have never in my life heard this, and this is NOT what I signed. Further, they charge me a MONTHLY PMI on my mortgage statement EVERY MONTH, yet they tell me I have some other arrangement. 

This fraudulent company has a SLEW of complaints all over the internet about fraudulent practices to the point where I don't understand how it is they are still in business. I would have never authorized this company servicing my loan and it's completely unfair they buy my loan and I am subject to FRAUD and LIES. 

You'd think in this climate, a mortage servicing company would give preferrential treatment to those customers not taking advantage of the current moritoriums, paying their mortgage on time, but this isn't what you get for being a good customer at all.
Consumer complaint received 2021-03-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

On XX/XX/XXXX, I completed an electronic mortgage application with mortgage broker AmeriSave Mortgage Corporation ( NMLS ID # XXXX ). I filled out the online application while I was on the phone with Loan Originator XXXX XXXX ( NMLS ID # XXXX ), who instructed me on how to fill out certain fields. XXXX instructed me to choose to float my rate vs. initially locking in a rate and explained that AmeriSave would honor its initial good-faith estimates if interest rates were to go up. I subsequently spoke with XXXX 's Mortgage Sales Manager XXXX XXXX ( NMLS ID # XXXX ) who confirmed that this instruction was consistent with what AmeriSave Mortgage Corporation instructed its Loan Originators to tell customers at the time, and was consistent with what other customers were told. XXXX repeated the promise that AmeriSave would honor its initial good-faith estimate in case of a rising interest rate environment several times on a recorded phone line, and I have emailed both XXXX and AmeriSave 's compliance department instructing them to preserve all recordings. XXXX and XXXX subsequently related that AmeriSave was no longer willing to honor its initial good-faith estimate after rates went up and offered to cover part of the difference in rates. It was made clear to me and other AmeriSave customers that AmeriSave, not its customers, was bearing interest rate risk. 

I contacted various AmeriSave managers including XXXX XXXX XXXX, AVP of Compliance, who told me " Rates can not be promised. Either the rate is floating ( and the rate can fluctuate until locked ) or the rate is locked. '' This is inconsistent with the instructions given to AmeriSave 's Loan Originators and the representations made by same.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I tried to get my free annual credit report from Transunion, through the .gov site. 

In order to get the report, they required a phone number to send a text code to log in. 

The text code never came, and when I tried to restart the process, the screen says that I've already received my one free report. 

There is no Chat feature on Transunion 's website to connect with personnel to resolve this problem. 

( By comparison, I had no problems getting my XXXX report through their link. )
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUN LOAN COMPANY INC. (IL)

This letter is to inform you that I am disputing your company 's references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations I am disputing the following information directly with you, the furnisher of the information, and I am requesting that you conduct an investigation as outlined in the FCRA section 623 : XXXX
Consumer complaint received 2021-06-02
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. (MO)

I submitted a dispute regarding a public record a few months ago ( 60 days approximately XXXX which was in writing via certified mail. The investigation resulted in no change and I inquired about how the dispute was investigated. I was informed a third party ( XXXX and XXXXI ) had provided information. I followed up with a second written dispute and provided supporting documentation showing an incorrect public record. I asked for a thorough investigation and explained why XXXX and XXXX had incorrect information, as they only had access to Pacer and did not contact the record holder. I provided a statement from the original placer of the record and confirmed XXXX and XXXX had not contacted them. After submitting the second dispute in XXXX the investigation was again closed without change and without reasonable investigation, so I opted for a 15 day reinvestigation, but was denied this right by the consumer reporting company who instead opened a new dispute and clearly stated they did not have to reinvestigate, even under 15 usc 1681 and with supporting documents. The item was not removed as required by law during the reinvestigation period and I was told that my documents were not reviewed by the third parties XXXX and XXXX. I would request the public record be removed as it contains an error and the consumer reporting agency did not investigate the claim properly.
Consumer complaint received 2021-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

Notice for Proof of Claim Account : MIDLAND CREDIT MANAGEMENT To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have XXXX days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you XXXX extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2021-03-23
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. (GA)

I have attempted multiply times to dispute the inaccuracy of this account from account : XXXX XXXX XXXX. 
XXXX XXXX is reporting a past due balance on an account that is charged off. It also reporting different balances and dates across a three credit bureaus. I have reached to both XXXX XXXX and all three bureaus. No attempt at fixing the issue. I believe this account is being reported is in violation of the FCRA laws.
Consumer complaint received 2021-03-23
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. (MI)

On XX/XX/XXXX I started disputing some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2021-01-20
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. (TX)

I have constantly contacted Transunion regarding accounts on my credit file. XXXX and XXXX XXXX are direct results of fraud and I have given police reports fraud affidavits and all information needs to provide prof yet they are constantly disregarding my Request to Block Unauthorized Charges from Credit Report under FCRA 605B. I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX If the information is not blocked immediately I will be forced to pursue legal action against with Transunion just as the Gadomski v. Trans Union LLC case.
Consumer complaint received 2021-03-23
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: CITIBANK, N.A. (CA)

One numerous attempts I have sought explanation from Macys about an amount owed. They never told me how they arrived at the amount only that I owed it. I spoke with someone in the recovery dept who told me that there were charges to be found to qualify the amount due. Fast forward to XX/XX/XXXX, I received a XXXX from Macys cancelling my debt for the amount of {$1100.00} on XXXX XXXX. I submitted this document to XXXX as well as XXXX. When XXXX  reached out to Macys / Citibank, they acknowledged the form but have continued to report this amount as a charge off and amount due. If they cancelled the debt in XXXX of XXXX, how is it that they can continue to report this as a charge off and report it to the bureau?!
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2021-02-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MO)

On XX/XX/2021, I sent through the agency MONEYGRAM PAYMENT SYSTEMS , INC. the amount of XXXX USD to my bank account in XXXX. I had been a regular user of their services, without any inconvenience, until now. 

However, to this day I have not received the corresponding money from that transaction, there have been open four investigation cases of which they refused to give me an identification number, the first of them was opened on XX/XX/2021 the second on XX/XX/2021 the third one on XX/XX/2021 and the fourth one on XX/XX/2021, in all of them the agency has refused to send me proof that they sent the money to my receiving account in XXXX, so I do not have a document that allows me to initiate a dispute in XXXX. 

The agency only tells me by phone that they have proof that the bank in XXXX has confirmed that it did receive the money, however every time I requested for that proof, they say that I have to wait XXXX days to receive it, otherwise I must open another investigation case. 

Four investigation cases have been opened, they have not provided me with my money or proof that they have already sent the money.