davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I was in forbearance with the Golden 1 Credit Union Mortgage Dept from during the Pandemic and was approved for a deferment for the months of XX/XX/XXXX to XX/XX/XXXX ( which outstanding mortgage payments were pushed to the end of the loan ) and start fresh with regular mortgage payments in XX/XX/XXXX. I have made payments from XX/XX/XXXX through XX/XX/XXXX. Somehow my XXXX and XX/XX/XXXX payments were applied to the deferment and caused me to be behind again. I have made numerous calls to the Golden 1 CU Loss Mitigation Dept and they finally corrected the error in XX/XX/XXXX. However during these months my mortgage payments was misallocated since it was showing I was delinquent. The following are where my payments were applied to : XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX I have made 15 calls to the Golden 1 CU with no resolutions. Each time I call I get transferred from customer service dept to collections s dept and then to loss mitigation dept. Not one dept is willing to help me resolve this. Is as simple as movi g the oayments back to where it belo gs to but the whole organization do not have one single person or dept that can do that. Each phone call is approximately 2 hrs long as i am transferred and passed on to another dept each time. I spoke to several supervisors who said they will help me resolve this and reach out to the loss mitigation dept but never receive a call back. When I call to speak to the same supervisor I always get another supervisor and have to explain the situation again. Still with no resolutions. I am very stress and frustrated, therefore I reached out to our congressman XXXX XXXX who then provided your website to file a complaint. I have health issues and have been struggling to make my mortgage payments but tried my best to do so. I would push back other bills just to make sure mortgage payments are made. I have been working g part time only on reduced schedule due to health problems. And in XX/XX/XXXX I had XXXX and did not work nor made my mortgage payments for both XXXX and XX/XX/XXXX. I am afraid that I will lose my home and this is the only home I have to keep a shelter for my children. Please, please help me resolve this. 

Sincerely,
Consumer complaint received 2022-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC. (HI)

Smith roush and associates. 
Acct #? 
Date opened XX/XX/20 Dont know what doctor this was, or what i was seen for? If you can tell me what i was seen for, to verify this bill. That would be great. Otherwise it needs to be deleted. I didnt sign no paperwork with this Smith Roush company. 
Verify and validate
Consumer complaint received 2022-06-27
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 reported on XX/XX/2022 to the Federal Trade Commission that my Identity was stolen by someone who opened a XXXX XXXX Checking Account and a XXXX credit card for {$1000.00}. I did NOT open either of those accounts and I was informed they were both opened on-line. My email was also used ; and that is how I learned about the Identity Theft with XXXX XXXX. I learned of the fraudulently opened XXXX account when XXXX sent me a letter demanding payment. I believed it was a scam at first ; when a second letter came, I reported to the FTC Identity Theft. On XX/XX/2022, with the help of the FTC, I changed passwords on all accounts, changed my email address, reported FRAUD to all three credit rating bureaus, placed FREEZE alerts on all three credit reporting agencies, sent a letter composed to XXXX and XXXX XXXX  to inform them of IDENITY THEFT and I contacted via telephone the involved companies as well. To this date, Transunion has REFUSED to remove the fraudulent account, it is now posted on my credit rating as being months behind, and my credit rating has dropped about XXXX  points, from high XXXX to XXXX. I have contacted TRANSUNION multiple times, have called them, and sent them every report they requested : the FTC report, the XXXX XXXXXXXX Police filing report ( case number ), and the information of the XXXX credit card that is Identity Theft. I have minimal credit cards, and they are ALWAYS PAID ON TIME. I have a mortgage that is NEVER LATE. That payment is well above the amount of the fraudulent XXXX credit card. I received a new letter from Transunion on XX/XX/2022, and again, they are refusing to remove the fraudulent XXXX account and my credit rating is negativity impacted MONTHLY. I was informed by XXXX that they are aware the credit card was opened fraudulently and through Identity Theft and I was told they would tell Transunion that, as Transunion informed me they were contacting XXXX to investigate. Yet, Transunion is refusing to remove the fraudulent account. I called the Federal Trade Commission again, today, XX/XX/XXXX, to report the letter from Transunion of XX/XX/XXXX and I was informed to contact the Consumer Financial Protection Bureau now.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One secured credit card Made a payment of {$250.00} from my primary checking account on XX/XX/22. It was immediately taken from my account. I waited XXXX  days, called capital one & asked why it had not been applied, & I was told there was a waiting period because just weeks before that XXXX of my payments was returned >> I was told it had to be held for XXXX business days >> I called XXXX  days later, then I was told it would be available the next day. At that time, I asked to speak to a supervisor, w the same answer. I called the next day, was told XXXX more day, spoke to a supervisor again, was told I had to do a XXXX way bank call to verify ( which I did ) absolutely unacceptable! They basically had my money to use for their needs for over a week
Consumer complaint received 2022-10-11
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit file has been really compromised. I have been submitting multiple written appeals to Experian regarding the fraudulent account being reported on my file. The last letter I sent to Experian was XX/XX/2022, with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. I've been asking for a remedy about this matter but I guess Experian is oblivious for they have again neglected my concern. You asked for Documentation and I have given it. What else should I provide? Did I miss something? Again, I am a victim of IDENTITY THEFT and I do not remember having this account with this company so please DELETE this damaging account from my file IMMEDIATELY! 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FIRST ADVANTAGE CORPORATION (MD)

I've been trying to place a security freeze on my First Advantage consumer report via email since at least May and I've been ignored three times already. I first called and was provided a form to fill out along with supplying a form of identification and proof of address. I sent all of the documents to XXXX as instructed to and I've never heard a response back. I've tried calling again, but their phone support doesn't process or have access to security freezes.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2022-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (SC)

Hello, I have been trying to figure out how to resolve a so called collection account with a balance of {$470.00} that appeared on my credit a few months ago with no solution. The company name is Radius Global Solutions LLC and when I call them they can not seem to ever find my file and I recently emailed them requesting proof of the debt and they sent me a letter in the mail now asking me for proof of the debt such as collection account number and original credit information to verify my debt so they can locate my file. I do not have that information as thats what I was requesting from them. I have disputed it through XXXX and they always say the debt is valid and will not remove it even though no one can verify the debt to me.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I seek your assistance with the misreported account on my credit report. This has been harmful to my reputation as a customer, and I would appreciate your support. Please remove these accounts as they are being inaccurately reported in a negative way.
Consumer complaint received 2022-06-27
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. (TX)

In accordance with the Fair Credit Reporting acXXXX 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 an account without my written instructions
Consumer complaint received 2022-06-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-06-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Caine & Weiner XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX Reference : C & W Account # XXXX I am writing in reference to the letter that you sent to me dated XXXX XXXX. 

I first made use of XXXX services to form a company and use their Registered Agent services on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX to cancel my services and my ongoing renewal as I was moving my Registered Agent services to XXXX XXXX XXXX XXXX due to excessive price gouging from XXXX. I received an acknowledgement of my request and was provided with a Case Number of XXXX. XXXX XXXX XXXX took over RA services for my business in XX/XX/XXXX. 

I have never used XXXX services with the exception of 1 year from XX/XX/XXXX and these services were cancelled with XXXX in advance of the renewal. 

Caine & Weiner emailed me on XX/XX/XXXX. I replied to Caine & Weiner on XX/XX/XXXX informing you that I owed no debt to XXXX. I did not receive a reply and my email was ignored. I received another email from Caine & Weiner on XX/XX/XXXX which did not acknowledge any of my previous correspondence. 

I received your written letter dated XX/XX/XXXX which did not acknowledge any of my previous correspondence or provide any details of the fictional debt attributed to me. 

Please cease and desist sending notices and attempting to collect this debt which I do not owe to XXXX or Caine & Weiner. Due to your repeated notices and lack of acknowledgement of my correspondence, I am also submitting a complaint to CFPB.
Consumer complaint received 2022-05-05
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 tired to fix this with the credit bureau, but have not got any where with XXXX, or Transunion, XXXX. I need help Getting through to these guys are like pulling teeth. I have also filed a Police Report Stating the fraud. IN ACCORDANCE WITH THE FAIR CREDIR REPORTER ACT XXXX  THESE ACCOUNTS HAVE VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES I HAVE RIGHT TO PRIVACY15 USC 1681 SECTION 604 A SECTION 2. ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCUNTS WITHOUT MY WRITTEN CONSENT. I HAVE BEEN DOING WITH PROBLEM SINCE I WAS A CHILD, IN XXXX MY REAL FATHER WAS USING MY SSN TO GET BUY DIFFERENT THING IN MY NAME BECAUSE I AM A XXXX. PLEASE HELP ME... THE CREDIT BUREAUS ARE NO HELP I EVEN TRIED TO PAY A CREDIT REPAIR COMPANY TO HELP BUT GOT NO WHERE!!!! PLEASE HELP ME GET THE ITEMS REMOVE FROM MY CREDIT REPORTS TRANSUION : Account nameXXXX XXXX  Account numbeXXXX Account nameXXXX XXXX Account numberXXXX Account nameXXXX XXXX XXXX Account XXXX  Account nameXXXX Account XXXX  Account nameXXXX XXXX Account XXXX  Account nameXXXX XXXX Account XXXX  Inquiries XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Finance other than personal XXXX XXXX XXXX XXXX, GAXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX # XXXX, 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 an account without my written instructions
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Bankruptcy : Bankruptcy Account # XXXX has violated my rights. 15 usc 1681 section 602 A states I have a right to privacy. 15 usc 1681, section 602 A, section 2, also states a consumer reorting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo XXXX Account was never late. I never received payment invoices for the moths they are claiming. As soon as I realized what had happed, I called them and made both payments the same day. They said it would not affect the credit report. I also sold that car in XXXX, as you can see in my credit report. I purchased a new car from XXXX in XXXX. XXXX sent wells Fargo the payoff but they show me being 30 days late then also. 

This Paid account is having a negative impact on my credit.
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received an alert email from BOA that my credit was charged {$1600.00} on XXXX from XXXX XXXX XXXX  XXXX I was in XXXX at that day. I called BOA immediately to report and dispute this transaction, and meanwhile, I locked my card from the online banking. It was another transaction at {$590.00} from XXXX store tried to make after XXXX minutes. Thank god, I locked my credit card after the first transaction, so the amount at {$590.00} has not gone through. The agent from BOA credit department told me no need to worry. BOA would take care of the fraud transactions and send me the replacement card. However, they charged that dispute amount {$1600.00} again after XXXX weeks on XXXX XXXX. I feel so confused that they knew I was impossible to make the transaction and lock the card at the same time, but they still want me to take responsible on that fraud. It doesnt make sense.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

I've been trying to pay my credit card balance but the company 's website says it's being updated and directs you to a quick pay site. 
That site doesn't work either. 
I've called numerous times to pay by phone, which costs money, but the recording says " due to unseen circumstances, we are closed ''. 
I'm being charged a late fee even though I wanted to pay on time. 
This is unacceptable. 
I want a call back from Comenity.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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

15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 
XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Unknown Acct XXXX XXXX Bank ( Acct.Number Unknown ) Inquires XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-27
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. (MS)

In accordance with the Fair Credit Reporting act inquiries done by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  have all violated my rights.

I do not recognize these inquiries. Never been in contact with any of these companies there forth these are fraudulent and are inaccurately reported to my credit profile.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-27
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. (MS)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. This repossession has been handled fraudulent, and has many inaccuracies. 
15 U.S.C 1681 section 605A. States A reseller shall include in its report any fraud alert or active duty alert placed in the file of a consumer pursuant to this section by another consumer reporting agency.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions