davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MS)

SANTANDER has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AL)

AmeriHome Mortgage sent me XXXX Loan Statement, which I paid, and then transferred my loan to XXXX, also effective XX/XX/XXXX. By doing so, AmeriHome created a situation that forced me to pay my XXXX payment twice, but only get credit for it once. AmeriHome is now retaining that last payment, while refusing to provide my payment history. 

This situation was caused largely by AmeriHome sending my XXXX statement too early. It was dated XX/XX/2021. I paid the full XXXX payment online and received a confirmation number. The very next day, I received a notice by regular mail that my mortgage had been transferred to XXXX Mortgage, effective XX/XX/2021. 

When my XXXX mortgage statement arrived, it was also for the month of XXXX. It did not reflect the XXXX payment that I had already made to AmeriHome. It shows the exact same principal balance, as if the last payment to AmeriHome was not made. But, it was made and I have the confirmation number. 

I contacted both companies. XXXX indicates that they are working off of the information they got from AmeriHome. That makes sense because I received the XX/XX/XXXX AmeriHome statement just one day before the notice of the transfer to XXXX. 

When I spoke to the AmeriHome representative on the phone, she acknowledged that my payment was received, but she says it must have been applied to a prior month. This suggestion is inconsistent with the statement balance : the AmeriHome XXXX statement ( dated XX/XX/XXXX ) reflects the principal balance that matches my first XXXX statement balance. There is no way that AmeriHome applied my last payment correctly. They just kept the money. Also, it does not match my own payment records or the statement I was sent, so I asked AmeriHome to provide a payment history. 

That was three weeks ago, and AmeriHome has failed or refused to provide it. When they provide it, it will not support their position. AmeriHome owes me that payment. AmeriHome also deactivated my online account when they transferred the servicing of my mortgage to XXXX, so I can not get access to my payment history there. 

Because I did not want this to affect my credit, I was forced to make the XXXX payment again, but the second time to XXXX.
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (FL)

I applied to an apartment and was denied because of an old outstanding debt that was never disclosed to me. I never received written notice, this debt never went to my credit report and I am completely unaware that this debt existed. There is still no written proof of the debt despite countless attempts to retrieve them.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

I have disputed the alleged debt with Experian. I have sent two certified letters, which I will attach. Additionally, no information was provided to my by Experian. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. Please provide me with the name and information used to verify my debt as accurate. 
The creditor is : XXXX XXXX XXXX. Account number : XXXX The original information reported and verified by Experian is not even correct. Not only do I NOT OWE XXXX  anything, but the are reporting incorrect information.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

On the XXXX of XX/XX/2021 this account is still not charge-off, this indicate that XXXX XXXX company is violating their own statement that was mention in the letter send to my person true the CFPB and via the USPS mail service dated XX/XX/2021 that said that this account would be charge off on the XXXX of XX/XX/2021. 

BY NOW I REQUEST DUE THIS VIOLATION OF THEIR OWN STATEMENT AND VIOLATION OF THE FAIR CREDIR REPORTING ACT THAT THIS ACCOUNT BE REMOVE FROM MY CREDIT REPORT IMEDIATELY
Consumer complaint received 2021-11-01
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. (NJ)

On the XXXX of XX/XX/2021 this account is still not charge-off, this indicate that XXXX XXXX company is violating their own statement that was mention in the letter send to my person true the CFPB and via the USPS mail service dated XX/XX/2021 that said that this account would be charge off on the XXXX of XX/XX/2021. 

BY NOW I REQUEST DUE THIS VIOLATION OF THEIR OWN STATEMENT AND VIOLATION OF THE FAIR CREDIR REPORTING ACT THAT THIS ACCOUNT BE REMOVE FROM MY CREDIT REPORT IMEDIATELY
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (RI)

I received a notice/letter dated XX/XX/2021 of a missed monthly mortgage payment for the month of XX/XX/2021 from PHH Mortgage Services XXXX However, I have my account on autopay from my checking account which showed a payment made on XX/XX/2021 of {$140.00} in my bank statement. My XXXX monthly mortgage statement says the payment this payment was not applied by PHH until XX/XX/XXXX even though the bank transfer was made on XX/XX/2021. However, in fact, the PHH XXXX monthly mortgage statement that says payment was missed also shows in the activity transaction box of the statement that the payment was made on XX/XX/2021? All my other past payments were made on the XXXX  of the month via autopay with no issues and previous monthly statements showed payment applied on date of transfer and no overdue payments for XXXX and XXXX for example. I have sent a message to the company but XXXX  not yet received a reply. 

This is the second problem I have had with PHH which assumed my mortgage just this year. It took over three months to get them to pay two missed quarterly property tax payments just resolved this month from my escrow account and the accrued penalties for missed payments. Here we go again with another error!
Consumer complaint received 2022-07-15
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. (MN)

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting 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. (CA)

I am writing to formally dispute the unauthorized inquiry listed on my credit report, which are fraudulent in nature, this inquiry appear on my credit file. 

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with this inquiry and providing comprehensive documentation to substantiate my claims. Despite this efforts, your bureau has yet to resolve this matter satisfactorily. 
It is essential to note that the fraudulent nature of this inquiry has been confirmed by the respective institutions, and they have assured me that this inquiry was erroneous and should be removed. Furthermore, please removed this unauthorized inquiry from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of this fraudulent inquiry. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
XXXX XXXX XXXX inquiry XXXX XX/XX/year>.
Consumer complaint received 2021-11-01
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (TX)

I believe they are calling regarding a utility bill which I am paying directly to the utility company in payments as I cant afford them. When they called I have asked them to stop calling, then when I answer they hang up in my face. 
Calls are as follows 2021 : XX/XX/XXXX XXXX XXXX I answer and they hung up XX/XX/XXXX XXXX XXXX told them to stop calling XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I asked them to stop calling XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I asked them to stop calling XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-08-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (AL)

XX/XX/2018 I was having fraudulent activity on my account, no alerts, for ( 3 ) strait days, called them and why we were on the phone and they were trying to fix it, some one was undoing what they were doing as we were speaking, so I ask to freeze the account. Later if was charged off and you my money on the secured card at {$800.00},, a lil over {$200.00} had been spent, they move have it in collections, refuse to give back my money, and don't take it out of collections.
Consumer complaint received 2021-11-01
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)

I have been a victim of identity theft for several years now I've made police reports and sent them in to all credit bureaus to no avail Experian is still reporting this item on my credit report as mine and it isn't time and time again to get this matter resolved and nothing is happening this item is ripping my credit apart its hard for me to get housing getting loans for my children 's college loan I have been steadfast in paying all my bills on time and Experian is not reporting my payments and my credit score has not increased at all this item needs to come off my credit report the company name is XXXX/XXXX DATE OPEN : XX/XX/2019 BALANCE XXXX thank you in advance for all of your help on my behalf XXXX XXXX
Consumer complaint received 2021-11-01
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. (FL)

The credit bureaus are NOT complying with their own policies in a timely manner! I have submitted a dispute by mail 30 days ago and have NOT receive a response or a dispute on these items listed on my reports. XXXX letter of dispute for acct # XXXX, XXXX, XXXX. XXXX  acct # XXXX, transunion acct # XXXX. All have failed to comply in a timely manner.
Consumer complaint received 2021-11-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp. (FL)

Got an alert from a credit monitoring service that a collection was placed on my credit report. I called the number listed on my credit report to see what it was about and explained to the gentleman that I never received any notification of ANY type of debt or any request for payment. He proceeded to rudely tell me that this debt had been to several other collections agencies ( untrue ) and now it was with them and I needed to pay them.
Consumer complaint received 2021-11-01
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. (TX)

Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.
Consumer complaint received 2021-11-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had money wire transfered and the company will not return my money ( {$1000.00} ). they go through a process that should be criminal, like they have to verify that you are you. I transfered the money from my credit union so I have proof the money was sent, and are in this companys ' possession.
Consumer complaint received 2021-11-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

I called the company and ask for proof that the debt is mine and they refused. I asked for an original bill or anything with my signature and they said, they don't have to supply it. I ask to speak with a supervisor and they always put me on hold and then the call is disconnected. I have been trying to remedy this incorrect charge to no avail. I did file a complaint with the credit report agencies, but all they say is " Account information disputed by consumer, meets FCRA requirements ''. I even called the hospital and they say they have no information of anything sent to collections, I ask for the date of service and they failed to supply that information. I have tried to gather information and am unable to get it and the companies in question are not giving me the required information. 

I am retired and on a fixed budget, I have to check where I am spending my money. I don't have much and I do not believe this bill is accurate. I keep getting the run around and it not fair and I find it abusive to me. 

please help. 

CMRE FINANCIAL SERVICES Reported : XXXX XXXX, XXXX - {$270.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$270.00} Highest Balance {$210.00} Opened XX/XX/XXXX ( 2 yrs, 5 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-10-25
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)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2021-11-04
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)

Hello, To whom it may concern, my issue is with TransUnion. I've tried for months to dispute student loan accounts reporting on my credit report that aren't mine and were apparently reporting on my credit profile since 2009. 

I told them that these accounts aren't mine and to please send me documents on to how these accounts belong to me and to basically verify that there mine. They have yet to do so and it's been well over 30 days since I sent my last letter and I'm yet to receive anything. 

They are supposed to report only 100 % accurate verified accounts. I pointed out several times that these accounts aren't mine and they are yet to provide me with information showing me how they are. I called them a few times and still nothing. 

They clearly don't care because they aren't responding back to my letters and don't care that they are also violating my rights under the FCRA. I am beyond frustrated and I'm ready to sue them also. Please help me if you can.
Consumer complaint received 2018-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (FL)

I found an old check for {$10.00}, I deposited the check via mobile device. Apparently I had entered the check for deposit, months earlier.I did go through my account, researched the {$10.00}. I never saw the {$10.00} in any historical statements. TD bank reversed the deposit, they never explained why it was reversed. I assume I possibly had done a mobile deposit for the {$10.00} at a date, not on my statement. TD bank charged me {$35.00} for depositing the check.THIS IS OUTRAGEOUS! I need my {$35.00} back in my account ASAP. Feel free to publish the complaint, without my name.
Consumer complaint received 2021-11-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc. (GA)

MY HIPAA RIGHTS HAVE BEEN VIOLATED-INTENT TO SUE On XX/XX/2021, I mailed a debt validation letter to Nationwide Recovery via certified mail. The tracking number is XXXX. Per the FCRA, they had 30 days to completely validate this debt. It has been six weeks, and they have yet to do so. Furthermore, this collection was added to my XXXX credit report on XX/XX/2021 AFTER the I sent the validation request letter and BEFORE I received full and complete debt validation, which is a direct violation of the FCRA. As I previously advised them, I was not only requesting copies of medical billing statements, etc., that provide details of services rendered, per it is a direct HIPAA violation for them to have this information without a signed medical release/transcript from me authorizing National Recovery Services to view my medical records. Since they do not have a signed release on file with me as I specifically requested, they have violated my rights under HIPAA by reporting this debt to the credit bureaus. 

Again, I am requesting this collection to be removed from my XXXX, XXXX, and XXXX credit reports. If this is not removed within the next 10 business days, I will file a lawsuit seeking damages at a minimum of {$10000.00} USD.
Consumer complaint received 2021-11-01
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. (MI)

I have contacted Transunion and XXXX XXXX  about inquiries on my report and they have YET to do anything about them. I have filed report after report and nothing.
Consumer complaint received 2021-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

On XX/XX/2021, PayPal permanently limited the account of a household member. To my surprise, I just logged in to my account today and found that they have permanently limited my account too due to " Potential Risk ''. This's retaliatory action, being a member from the same household doesn't give you the right to shut down my account too. Please indicate what activity did you determine as " Potential Risk ''? My PayPal account history and activities are flawless, with no fraudulent or chargeback transactions ever. I had my account for so many years without any issues. Is it legal to shut down my account because of another household member being unfairly shut down? Please don't reply with nonsense Terms & Conditions. The last activity in my account was on XX/XX/2021, you didn't shut down my account UNTIL you shut down the other member 's account as a retaliatory action.