davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-16
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)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, In accordance with the Fair Credit Reporting Act : the following companies have all violated my rights and I would like to have the issue reviewed and resolved as soon as possible as the inaccurate items are causing me financial hardships resulting in a lower FICO score. 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 : A consumer reporting agency can not furnish an account without written instructions.

15. U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This company has violated my rights : XXXX XXXX XXXX Late Payment reported : ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 
Account # : XXXX Account Type : Mortgage This company has also violated my rights : XXXX XXXX Account # : XXXX Account Type : Mortgage Account Type - Detail : Conventional real estate mortgage Bureau Code : Individual Account Status : Closed Monthly Payment : {$780.00} Date Opened : XX/XX/XXXX Balance : {$91000.00} No. of Months ( terms ) : XXXX High Credit : {$100000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Affected by natural disaster Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Inaccurate addresses on my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2020-08-17
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. (LA)

i provided my info to someone via XXXX  who said they do in house mortgages back in 2014 and they have opened accounts in my name the XXXX  page is no longer available nor a contact namber
Consumer complaint received 2022-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advance America, Cash Advance Centers, Inc. (FL)

NOTICE New infomation New update I claim harm by way of trespass, fraud and Dishonor on XX/XX/XXXX ADVANCE AMERICA stated that they validated alleged debt after requesting " an authenticated record of accounting in order to validate and verify alleged debt '' this is what ADVANCE AMERICA sent " According to our records, XXXX XXXX entered into a Customer Agreement ( Agreement ) with Advance America on XX/XX/2021 at the storefront located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Under the Agreement, XXXX XXXX agreed to repay an amount of XXXX XXXX XXXX XXXX XXXX dollars and XXXX  cents ( {$1200.00} ) in XXXX ( XXXX ) bi-weekly payments of XXXX XXXX XXXX dollars and XXXX cents ( {$200.00} ) each and XXXX ( XXXX ) final payment of XXXX XXXX XXXX dollars and XXXXr cents ( {$200.00} ). After receiving no successful payment from XXXX XXXX, his account entered into default status on XX/XX/2021 with a balance of XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ( {$1200.00} ). XXXX XXXX XXXX reach out to our collections department at XXXX to discuss mutually agreeable payment arrangements for his outstanding balance. Advance America strives for excellent customer satisfaction, and we regret when a customer is dissatisfied with his experience with our company. Based on the above, we hope this matter is resolved to your and XXXX XXXX satisfaction. This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, XXXX XXXX XXXX of Florida XXXX XXXX under any applicable laws, statutes or procedures. '' Notice to ADVANCE AMERICA I have the right to ask questions and you have a duty to answer them. I also have the right to obatin clear, complete and accurate information. 

I conditionally accept your offer upon proof of claim Pursuant to Federal Law 15 USC 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( b ) ( c ) - Validation of debt Failure to comply with Federal Laws and dishonor I will hold the CEO, President and Vice President of ADVANCE AMERICA liable for fraud and dishonor.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

To whom it may concern, The reason for this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for a credit from XXXX XXXX XXXX on XXXX XXXX, I have also reached out asking them that they remove the inquiry from my credit profile. Please launch an investigation into XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I'm requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely XXXX XXXX
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

To whom it may concern, The reason for this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for a credit from XXXX XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX, I have also reached out asking them that they remove the inquiry from my credit profile. Please launch an investigation into XXXX XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I'm requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely XXXX XXXX
Consumer complaint received 2020-05-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rodenburg LLP (MN)

I have some very alarming concerns about what these companies are trying to do. I have been receiving collection notices from TWO different companies. Why are TWO different companies trying to collect on the same alleged debt???? I feel very harassed and stressed getting these demands from TWO different companies for the SAME bill!!! The companies are Rodenburg Law Firm in XXXX, ND and XXXX XXXX XXXX in XXXX, VA. One of them sent a Sheriff with a summons to my house and handed a summons to someone else that was there. I do not remember which one I talked to on the phone, but they were very rude and demanding. I felt very harassed and was forced into setting up a payment arrangement that was financially out of reach for me. Even though I did not know what this debt was for, I tried telling them about my financial difficulties due to medical issues but they did not care. After speaking with my niece, who is helping me with my financials after my medical issues, she said we need to know what they are talking about before you send them money. We then sent them BOTH a request for validation letter. 
They BOTH responded. 
Portfolio response was with a few old credit card statements and a Hardship request form, which we filed out and returned to them. 
Rodenburg Law Firm sent a stack of statements and a demand for payment/ threatening court and a settlement offer due immediately. 
I am also VERY concerned as to why this company, who is saying they are a " law firm '', is sending information in the mail that contains my social security number on it for anyone to see???
Consumer complaint received 2020-08-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NJ)

New York & Company closed my account a few days after I made a {$300.00} purchase in the store and a month after they had just increased my credit limit. I called to inquire why they said it was due to my credit report monitoring and that they did not have to tell me a specific reason, I have never had delinquency with this card. My credit score is way higher than when I originally obtained this card I have an excellent payment history on this card and all other commenity bank cards that I have had ( XXXX, Victoria Secret,  XXXX ) just to name a few and all of these cards are still open. So this makes no sense and their only answer was for me to contact the credit bureaus and I asked what for I have my credit report monitoring that I pay for and there is no negative recent issues this makes no sense and they are closing stores locally by me due to Covid and I think they are just shutting down cards I even pay for insurance on this card through Assure if I ever stop working so there is ZERO reasons my card was closed. In fact they negatively affected my credit history by closing the card.
Consumer complaint received 2020-05-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (VA)

On XXXX I started working with XXXX XXXX for a loan on XXXX XXXX XXXX XXXX, VA. XXXX told me I would need to pay {$620.00} for an appraisal and I did. 
Since then my real estate agent and I have been asking what is holding up the loan for almost a month and XXXX keep stating she is waiting on the appraisal. Every time we called since XXXX we have been asking how is the appraisal going? Her reply was the same, I am waiting on the appraisal. 

On Thursday XXXX, the Vice President of the XXXX  XXXX Office or Cardinal Financial and XXXX XXXX XXXX XXXX XXXX XXXX called me. I requested that my real estate agent, XXXX XXXX be on the phone with us so he did a three way call. He said to XXXX and I that even though the loan was approved the real reason it is not ready to close is because and I quote : I can not find a buyer for you loan after we close it I explained that was not my fault and the very next day Friday XXXX XXXX sent me an E-mail stating : We are still waiting on appraiser to complete his report. I sent her an E-mail at XXXX on XXXX stating I dont need her appraisal. Then on XXXX at XXXX or XXXX XXXX, she sends me the appraisal and I told her XXXX XXXX has to do their own appraisal and I cant use this. 

On XXXX I sought a Mortgage with XXXX XXXX  in XXXX, Virginia. The loan office XXXX XXXX asked why is it taking so long with Cardinal Financial to close a loan. I told him that XXXX husband and Vice President of Cardinal Financial XXXX  XXXX office told me he could not find a buyer for my loan. Mr. XXXX said he will only take around three weeks to close my loan with XXXX XXXX  and that XXXX XXXX  XXXX  will keep the loan. 

Since the Vice President of Cardinal Financial, XXXX XXXX said he could not close the loan because he could not find another Financial Institute that would buy my mortgage that I am should not be held responsible to pay for an appraisal that I nor XXXX XXXX  can use because XXXX XXXX  said they have to do their own appraisal. I should not have to pay for a service that I am not getting due to the inability of Cardinal Financials issue of finding a buyer for my approved loan. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-01
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc (VA)

This is my second attempt to rectify this matter. Hunter  Warfield is in violation and they have defaulted by not responding to my affidavit. I have attached my affidavit again. This is their opportunity to cure this. I have also attached my invoice again. I am attempting to settle these Federal consumer rights violations outside of court. Keep in mind I am a federally protected consumer. I am invoking my specified remedy. Remove this debt and remit payment to me for these violations.
Consumer complaint received 2022-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CT)

I have a mortgage loan with JP Morgan Chase. XXXX is our homeowners ' insurance company. We have lived in this same house and had XXXX as our homeowners ' insurance since XXXX. Last year in XXXX of XXXX, I got a notice from XXXX stating that my homeowners ' policy was going to be canceled due to nonpayment. After hours on the phone, I discovered that Chase took money out of my account and paid it on behalf of another customer to XXXX or another insurance company. No explanation was given as to how this mistake happened. I have just received the exact same notice from XXXX this year stating that my policy is going to be canceled due to nonpayment. Since XXXX has confirmed that my information with them is correct, it is apparent that Chase has made the same mistake twice. I have statements showing they took an incorrect amount of money out of my escrow account to pay my insurance, but XXXX never received that money on my behalf.
Consumer complaint received 2020-05-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (TX)

On XX/XX/XXXX, I had a test reading from XXXX  XXXX XXXX  XXXX. They filed a claim with XXXX  for {$1300.00}. XXXX  paid them on XX/XX/XXXX for the approved amount of {$81.00}. On XX/XX/XXXX, XXXX XXXX XXXX  XXXX was paid for a claim filed with XXXX XXXX for the remaining balance {$20.00}. Those two payments completed all amounts due and my balance was XXXX. Many months later I received a letter from CMRE Financial Services , Inc . The letter threatened to submit a negative credit report to XXXX  and XXXX if the balance listed on the letter was unpaid. They offered 4 methods you can use to pay Creditor XXXX XXXX XXXX for the amount of {$380.00}. No date of service was supplied and an arbitrary amount of {$380.00} did not exist in any claims. I called XXXX XXXX XXXX   XXXX and was told that the account was sent to collection CMRE and they could not help me with a billing problem because my account was sent to CMRE. I was told that CMRE does all of their billing. I contacted CMRE via phone and tried to find out what this bill was. They told me to request anitemized Bill which was dated XX/XX/XXXX for {$380.00}. It did not include a procedure, only a date of XX/XX/XXXX and a balance due of {$380.00}. I was not successful getting CMRE to acknowledge a balance of XXXX based on my claims for that date. Today, they did exactly what they threatened. The put a negative collection report on XXXX that I was notified of today. I contacted XXXX to dispute the report and they told me that I must get CMRE to take this collection report off my account. As a result, my credit score decreased 122 points from a normal score in the 800s. So, Im trying to get a fraudulent charge for collection removed from my credit report by those that fraudulently put it there.
Consumer complaint received 2022-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2024-11-07
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-10-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company (WA)

I tried to refinance my home through Guild Mortgage. I was guaranteed approval, and was told we could close on a certain date. I have spent my own time and money finding information out about appraisal 's, engineering reports, and many more things, because GUILD refused to do anything. When I spoke with the branch manager, he said he would do everything in his power, and later that day after providing him with the requested documentation, he said he no longer wanted to deal with us and is denying our application.
Consumer complaint received 2020-10-20
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: EQUIFAX, INC. (TX)

Good day, I am XXXX XXXX XXXX and the reason I am reaching out and writing to complain on Equifax and their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.
Consumer complaint received 2022-04-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WA)

Since 2009 Sallie Mae and Navient have put me in forbearance plans that have extended my private loans terms with very high interest rates I owed way more than I borrow my private student loans have not been forgiven because Sallie Mae and Navient put me in forbearance before I would default on my loans now there telling me I dont qualify for forgiveness as the most months I miss in payments was 4 months thats because they would put me in forbearance!
Consumer complaint received 2021-08-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (NM)

On XX/XX/21 I tried to transfer {$1100.00} using my debit card directly my wife 's bank account in the XXXX using XXXX XXXXXXXX XXXX. I think official company registered name is RIA, XXXX XXXX, CA or Continental Money Exchange Solutions, dba XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX At the end of the transaction a message flashed " your bank refused transaction '' and immediately kicked me off the site without proving any receipt or record of the transaction. I immediately went online and checked my bank account. The {$1100.00} debit was already there and processing from " XXXX XXXXXXXX XXXX CA ''. When I signed back in to my account on XXXX, it did not show this transaction. I called the company by number located on line and the representative could not locate it either. The company representative named " XXXX XXXX told to send a picture of the bank transaction and gave me an email address. I did, but the message was rejected as not a good address. 

I called the number included in the bank debit transaction with the same results. I found their " customer care '' site and submitted an inquiry stating all the actions. I received an email response with an Inquiry # XXXX. Indicated I would receive a response in 24 hours or less. NONE received to date. 

I have made multiple other calls and been told many different things, from bank refused my transaction, they do not accept debit cards for XXXX XXXX transfers, can not locate my transaction to they are processing a " reversal ''. The last call today indicated that they found my complaint but could not find any " reversal '' request. 

My bank, XXXX claims they can do nothing as the transaction is still " processing ''. 

In the meantime my wife was without money to go to a doctor and my money is in limbo so can not send by alternate means.