davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
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: EQUIFAX, INC. (NC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-24
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: Experian Information Solutions Inc. (VA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account.
Consumer complaint received 2019-02-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (GA)

I am a co-signer on a loan that my daughter took out while in XXXX  school. I am receiving excessive calls from Navient, the company handling the payments. When Navient calls, the caller ID on my phone says " Incoming Call '' and the calls are generally 2 to 4 seconds in duration, several times a day. The calls generally start around XXXX XXXX and continue throughout the day until almost XXXX XXXX. In a 14-day period from XX/XX/2019 to XX/XX/2019, I have received 41 such calls most lasting less than 4 seconds, which unless I have the phone in my hand is impossible to answer. And even when the phone is close enough for me to attempt to answer, the caller hangs up before I can even say hello. These calls are not meant to be answered but are meant to harass. Attempting to answer my phone is especially difficult for me because I am a senior citizen recovering from XXXX  XXXX. With my XXXX XXXX these constant calls are nerve-racking and harassing. I realize that Navient is attempting to collect a debt however they should not be able to call and not be on the line when the call is answered. 

While these calls do not show up on my caller ID, I am able to retrieve my call history from my phone provider, XXXX. On XX/XX/2019 over a 7-hour period from XXXX XXXX  until XXXX XXXX  I received 7 such calls over a 7 hour period : XXXX XXXX  - 3 seconds XXXX XXXX  - 3 seconds XXXX XXXX  - 2 seconds XXXX XXXX  - 3 seconds XXXX XXXX  - 4 seconds XXXX XXXX  - 3 seconds XXXX XXXX  - 3 seconds
Consumer complaint received 2019-02-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After sending certified, return receipt letters to TransUnion on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$840.00} from XXXX XXXX, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed immediately.
Consumer complaint received 2020-05-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (FL)

I have been going thru a refinance with Freedom Mortgage for over a month and a half now. They have made multiple errors, that have delayed the closing. First error was not contacting me for documentation needed for loan. Second they withdrew a mortgage payment on XX/XX/XXXX that was canceled days ahead of time, so we could close on XX/XX/XXXX. They did not contact me that payment was pulled from our account, nor did they inform us the closing was cancelled. We set a closing date for XX/XX/XXXX. They cancelled that without informing of a situation that they claim to be " miscommunication ''. Then I spoke with a Mrs XXXX. She told me that we are set up for closing on XX/XX/XXXX and that she will call and send me closing docs on XX/XX/XXXX. She has also given me her direct line in which to call at XXXX on XX/XX/XXXX in order to review those docs in the case she didnt contact me. I gave her 2 calls on the XXXX of XXXX to which she never responded. Today is XX/XX/XXXX less 3 business days before closing and I have yet to recieve a phone call or email from anyone at Freedom Mortgage or any affiliates at this company.
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After receiving emails from the bank for COVID-19 relief on my auto loan account, I requested the relief but continued getting collection calls. I sent them an email and referenced the relief request, I was told to call. I called again and requested the relief and thought all were fine. But, again, i started to receive calls and noticed late payments on my credit report. I contacted the bank ans asked why I was still getting calls and reported late payment but, instead of answering my questions, the representative hung up the phone. I was only 7 day past due on my account buy still receiving almost daily collection calls even though there was a relief.

I tried to close the account but they wouldn't let me close the account either. This bank is a crook.

This negative reporting has dropped my credit score significantly that the Department of Education has denied my child 's parent Plus Loan.
Consumer complaint received 2020-05-25
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. (KY)

I previously filed a complaint against Transunion for failure to fully investigate my complaint, Transunion response was that they reinvestigated and updated my file based upon the reinvestigation, and they provided documentation to reflect their response, however my credit score remained the same.

It appeared that Transunion removed the derogatory information from my file, however whenever I check my credit score, it states that my credit score is reflective of 2 late payments, the same late payments that should have been removed from my credit file.

Transunion appeared to remove the late payments from my credit report, however they are still using the late payments to determine my credit score.
Consumer complaint received 2020-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (OH)

A fraudulent charge was made on my business checking account on XX/XX/2020 through Key Bank. The bank was alerted ( by their own fraud detection algorithms ) that a charge on my card looked suspicious. They notified me and I advised them that it was indeed fraudulent, I did not make these purchases. I am in Ohio, the charges occurred in New York. The money was nevertheless deducted from my account. I was told they need to investigate before the money would be credited back to me. It has been 10 days. Still, they have not fully returned my money.
Consumer complaint received 2019-02-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (NJ)

My chapter XXXX discharge granted on XX/XX/2009 included my mortgage and Second PREDATORIAL Lending 125percent LTV where the loan was charged off. This discharge stopped me from owing on these loans on a personal basis and any proper residential Liens would survive. So, if I owed nothing on a personal basis why was a loan modification offered and completed when I owed nothing personally? Why was a chapter XXXX claim accepted if I owed nothing personally. 
I was very I'll during these times and you knew it and took complete advantage of a now XXXX XXXX XXXX Man. It goes both ways meaning something can be applied for but to not violate the consumer fraud act by doing nothing on your end where the discharge was in effect and so many other things should have been done on your end as well. This ALL constitutes FRAUD and many other Violations. My current foreclosure is Fraud.
Consumer complaint received 2020-05-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1200.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-02-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After sending certified, return receipt letters to TransUnion on XX/XX/XXXX, which they received on XX/XX/XXXX, reporting that there were inaccuracies on my credit report in the form of {$11000.00}, originally reported on XX/XX/XXXX, from the XXXX XXXX XXXX XXXX, and I that would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX/XXXX, which was received on XX/XX/XXXX ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed immediately.
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

My wife and I were away traveling overseas and did not have access to email. We thought we had set up autopay for our mortgage. We were away from XX/XX/XXXX to XX/XX/XXXX for travel overseas. We were not able to receive any mail till XX/XX/XXXX. At that point we were told we were 30 days late for a payment. We immediately corrected the problem but we received a bad mark on our credit report. We have not had a late payment for the last 20 years on my credit report. We believe Wells Fargo Home Mortage is being unreasonable in this situation. We have contacted Wells Fargo but they have refused to fix the credit reporting. This is unfair and we didn't receive notice.
Consumer complaint received 2020-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$33000.00}, {$7500.00}, {$3900.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$3900.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Consumer complaint received 2020-06-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NY)

I have about XXXX in an Ally bank account ( https : //www.ally.com ) in both savings and investments for about 3 years now. Recently, since the Covid-19 pandemic they have repeatedly locked me out of my account and requested that I change my login and password on at least three occasions. This has prevented me from getting access to my funds or account statements, and they do not provide me with copies of my paper statements. In addition, I had requested a transfer of XXXX dollars from my savings account to my XXXX XXXX XXXX XXXX checking account and they refused to honor the transaction. This makes no sense because I have frequently both deposited and transferred funds to and from my XXXX XXXX XXXX account. I have not had any issues with my other bank or investment accounts outside of Ally. I believe that they have some sort of IT error with their internal controls because this is the only bank that has given me any issues with accessing my funds. I would like this resolved as soon as possible and would also like information on how to close my account with them. Given the circumstances, I no longer trust them with my money.
Consumer complaint received 2019-02-16
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: Commonwealth Financial Systems, Inc. (FL)

I received notification from a few of my Credit morning service that Commonwealth Financial XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX had added something negative to my report for {$67.00}, with a open date of XX/XX/2019, I have never received anything from this company, they are fraudulently reporting accounts that does not belong to people to collect money. The account does not belong to me. I have never received anything from anyone saying I owed {$67.00} for anything. I called commonwealth and they advised me of the alleged company that reported this, I called that company and they informed me that they do not have any accounts past due or current, also even if an account was sent to collections it would still show in their system. This should not be on my report, and should be removed! Commonwealth Financial does not licensed in the state of Florida and have no right to even collect on any debt in Florida! Please look into this company their reviews by thousands of people they are committing fraud against. Please help me becaus this is not right!
Consumer complaint received 2019-02-16
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. (CA)

I have an incorrect inquiry on my credit report that i have never been affiliated with.Even some of the names and addresses on my report are wrong. I do not understand how some of these things are being bed to my name but i have nothing to do with this Name : XXXX XXXX Bankruptcy chapter XXXX-discharged XX/XX/2013
Consumer complaint received 2019-02-16
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. (CA)

I have an incorrect inquiry on my credit report that i have never been affiliated with.Even some of the names and addresses on my report are wrong. I do not understand how some of these things are being bed to my name but i have nothing to do with this Name : XXXX XXXX Bankruptcy chapter XXXX-discharged XXXX/XXXX/2013
Consumer complaint received 2020-05-24
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. (NC)

CFPB XXXX I XXXX XXXX XXXX state this letter is a second request based on empirical evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. The United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX. XXXX ). The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA.
Consumer complaint received 2020-03-31
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Trans Union XXXX. XXXX  XXXX XXXX  XXXX, PA. XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : TRANSUNION /XXXX  XXXX XXXX ( XXXX. XXXX, XXXX ) / ( XXXX XXXX  XXXX/ XXXX   XXXX  XXXX  ) Account # XXXX ; XXXX. 

To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original TRANSUNION /XXXX  XXXX XXXX ( XXXX. XXXX, XXXX ) / ( XXXX XXXX  XXXX/ XXXX  XXXX   XXXX  ). I have received a response that clearly violates my rights according to HIPAA. 

TRANSUNION /XXXX  XXXX XXXX ( XXXX. XXXX, XXXX ) / ( XXXX XXXX XXXX/ XXXX  XXXX   XXXX  ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original TRANSUNION /XXXX  XXXX XXXX ( XXXX. XXXX, XXXX ) / ( XXXX XXXX  XXXX/ XXXX  XXXX  XXXX  ) should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

XXXX XXXX XXXX