davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (NJ)

I use a mortgage company called United Wholesale Mortgage ( UWH ) based in XXXX NJ. I refinanced with the mortgage company for a lower rate on my 15 year conventional mortgage. We closed the refinancing on XX/XX/2020. The mortgage company owes me {$8700.00} from the Escrow and overpayment of the Mortgage. I have yet to receive any check back from the Mortgage company. I have called multiple times to inquire and have still not received any money back from the company. Every time I have called, I have been promised an escalation and that the refund check would be sent to me immediately. Nothing has happened. I called for the 5th time today, and again customer service told me only a XXXX can help me and there is no XXXX available. 

I get the sense that this is a tactic the company uses to slow down or stop refunds checks back to customers. The customer service has been terrible and I want to lodge a complaint as this is money that my family needs during this tough time.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Experian is not giving me point toward my credit for lowering my utilization and paying my bills on time for the last 9 months. They are inaccurately reporting information on my FICO credit report.
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX, XXXX. Experian XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, TX. XXXX XXXX, XXXX XXXX This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX Credit Bureaus, Experian, XXXX, and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you violate the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you have any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it.

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests. Thank you!
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THIS IS NOT A DUPLICATE CLAIM. EQUIFAX HAS NEVER RESPONDED TO THE FAIR TRADE CREDIT REPORTING ACT/LAW THAT STATES THEY MUST INVESTIGATE WITHIN 30 DAYS!
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Professional Credit Management, Inc (AR)

I've reviewed a copy of my credit report and I see there is a collection item listed that I'm not aware of. I attempted to contact the collection company on XX/XX/2021, and request verification and I received nothing back. I understand that this is a violation of 15 U.S. Code 1681I ( A ) ( 1.A ) and need to have account deleted.
Consumer complaint received 2021-02-11
Product: Credit card or prepaid 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: Continental Finance Company, LLC (CT)

A fraudulent charge was reported to XXXX, the company whom handles fraud claims for XXXX XXXX, Continental Finance. The details are included here : XXXX XXXX {$350.00} Transaction Date : XX/XX/XXXX Posted Date : XX/XX/XXXX This charge was reported to XXXX along with another charge from XXXX on XX/XX/XXXX, which was credited back on XX/XX/XXXX in the amount of {$370.00}. However, the XXXX charge still remains outstanding. I was told to speak with a XXXX in fraud at XXXX, ext XXXX, two messages were left and none returned. I've since spoken with several customer services reps as well as a supervisor as of yesterday, XX/XX/XXXX, additional messages were left for her. It appears the XXXX dept does not return calls and appears to be an issue with the XXXX charge itself. I've reached out to the merchant, was told a phone was ordered which I have not received and have no use for as I already own a cell phone. This was explained to XXXX rep ( s ), was advised to inform bank of fraud, which I already have.. Unfortunately, reps in fraud do not seem to return calls so there is no way of know what is going on with regard to this charge.
Consumer complaint received 2021-03-29
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. (AR)

XXXX XXXX has reported my account as a Charge Off ( AGAIN ) since I filed my complaint on them XX/XX/2021. The dispute and investigation is ongoing right now. I received a credit alert from TransUnion, XXXX XXXX XXXX  indicating XXXX has sent charge off information again to them. In my existing complaint, this is one of my complaints that they are sending erroneous and inaccurate information to the credit bureaus as well as, harassing me for payments. Additionally, XXXX is reporting this information back to back each month. I thought credit reporting was reported once a month, however all there credit bureaus are allowing XXXX to report information 2 to 3 times each month, one day after the other. For example, XXXX reported Past Due 120 days on XX/XX/2021 and as a Charge Off on XX/XX/2021 BUT they had already reported this very same information on XX/XX/2021???? This is illegal according to FDCPA rules. In addition, XXXX has received monies from my insurance company, warranty and me to pay this vehicle off. I have reported this information to Attorney General 's XXXX in the state of Arkansas as well and do indeed intend on suing XXXX for their rogue and illegal actions. I have tried to submit a dispute with all 2 credit bureaus concerning this issue in the past and on today ; and I can not. Their system states, I have already disputed this item, several months ago ... and the submission to dispute continually fails to upload- again ruining my credit. This very issue- is an open investigation CFPB XXXX # XXXX. I am sending a copy of this complaint to all XXXX credit bureaus and officially filing a complaint against them today as well for their actions of denying me submission to dispute this matter. Due to this deliberate attempt on XXXX 's behalf my beacon points decreased by XXXX points.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  # XXXX : Balance : {$8900.00} Account Name : XXXX XXXX # XXXX : Balance : {$2500.00} Account Name : XXXX  # XXXX : Balance : {$460.00} Account Name : XXXX  XXXX # XXXX : Balance : {$10000.00} Account Name : XXXX # XXXX : Balance : {$12000.00} Account Name : XXXX XXXX  # XXXX : Balance : {$1500.00} Account Name : XXXX  # XXXX : Balance : {$130.00} Account Name : XXXX XXXX  # XXXX : Balance : {$18000.00} Account Name : XXXX  # XXXX Account Name : XXXX # XXXX : Balance : {$630.00} Account Name : XXXX  XXXX XXXX XXXX  # XXXX : Balance : {$660.00} Account Name : XXXX # XXXX  Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX  # XXXX : Balance : {$730.00} Account Name : XXXX  XXXX XXXX # XXXX : Balance : {$52.00} Account Name : XXXX XXXX  # XXXX : Balance : {$2100.00} Account Name : XXXX XXXX # XXXX : Balance : {$200.00} Account Name : XXXX XXXX XXXX XXXX XXXX : Balance : {$640.00} Account Name : XXXX, XXXX  # XXXX : Balance : {$1900.00} Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-03-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

In XX/XX/2021, I sent a letter about inaccurate and unverifiable things on my credit report, and it has gone unanswered for over 60 days. I'm still waiting for a response. As a result of my disputes being ignored, I feel that I'm being taken advantage. My personal information was also impacted as a result of the Equifax data breach, and it may have ended up in the wrong hands. Section 611 ( a ) It is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days over so they should be deleted promptly.
Consumer complaint received 2021-03-24
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: EQUIFAX, INC. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

To whom it may concern, I am writing to update/correct my personal information on file with your company. 
Please update my address : XXXX XXXX XXXX, XXXX, NC XXXX Please update my name to XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1987 My only employer is SELF I do not wish to have any telephone numbers on my report.

Please remove all the other addresses from my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, Enclosed is my Drivers License and Proof of Residence.
Consumer complaint received 2021-03-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (MD)

On or about XX/XX/2021 the bank received a wire deposit of {$2400.00}. 
On or about XX/XX/XXXX, they also received a wire transfer of $ XXXX from my account at XXXX XXXX . 
After calling the bank to find out why the account was blocked from online access. I called and spoke with fraud and security in the name of a representative named " XXXX ''. 
She told me because of a business decision, the account was marked for closure. I for further details, and was told that the deposits were sent in the name of someone else, and it was a business decision to close my account. This can not be true, as the wire confirmation shows my name. I requested that the deposits be sent back to their original accounts of origin. The problem with this is that XXXX XXXX  charges {$5500.00} to return the funds to my account there. XXXX XXXX Bank should return the funds as a course of closing the account, and issue to me final savings statement. But, they have closed the account, and denied access to me to look at the final statement.
Consumer complaint received 2021-03-24
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)

I am a victim of identity theft and I disputed the fraudulent information with the credit agencies. I did not authorize anyone to use my name or personal information to seek ; money, credit, loans, goods or services described in this report. The credit agencies, refused to remove the fraudulent items after submitting ; FTC report, Police report, credit report, proof of ID and credit report with fraudulent items circled. 


Listed Fraudulent Items below : Account : Account Number : 1. XXXX XXXX XXXX 2. XXXX XXXX  XXXX 3. XXXX XXXX XXXX 4. XXXX / XXXX XXXX 5. XXXX XXXX DEALER XXXX Wrong Addresses : 1. XXXX XXXX XXXX, XXXX CA XXXX 2. XXXX XXXX XXXX XXXX, XXXX CA XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2021-03-25
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: EQUIFAX, INC. (IL)

I have asked for method of verification from this company on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX came back verified and XX/XX/XXXX I have not received a response back. In alignment with FCRA 609- Disclosure to consumers ( which they failed to do so ), FCRA 610-Condition and form of disclosure ( in which the proper identification was given ), FCRA 607- Compliance and Procedures accuracy of report ( they were shown proof that all three bureaus didnt have the same information ), and FCRA 611-Procedure in case of disputed accuracy which gives me the right to ask of reinvestigation of disputed info in which they never verified in the first place. This company have fail to follow FCRA guidelines which is in place to protect the consumers. I demand this this account be taken off expeditiously. Their inaccurate reporting has caused me not to obtain credit which has caused financial stress to me and my family.
Consumer complaint received 2021-03-24
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: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND FUNDING LLC has been sending me collection notices in the amount of {$5900.00}. The collection has been reported as past due balance. I do not know this company. This company does not have a contract with my signature.
Consumer complaint received 2023-04-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CNG FINANCIAL CORPORATION (MI)

They called me over 4 times in under an hour on XX/XX/23 between XXXX from XXXX. Claim to be XXXX XXXX. They claimed they have me on camera in my XXXX uniform walking inside of a check and go.. first off, my job doesn't have uniforms and I don't have a XXXX uniform. 
XXXX off, there is no check and go here. XXXX, he cussed at me, called me stupid and named off all my personal information, threatened to have my wages garnished and some more. 
I've never received a letter in the mail of any documentation of this. I've never walked inside a check and go. Don't even know what a storefront looks like but there's none around here in this small town. I am tired of them harassing me.
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CO)

I have been on a forbearance since XX/XX/2020. I asked on XX/XX/XXXX for an extension. I was told no at first but the young lady told me she will put in one and see what happens. This was after I told her what I believe my rights are since my home mortgage is covered by XXXX XXXXe. I was also told my home is schedule for a foreclosure sale on the XXXX of XXXX. 

I mention the Foreclosure moratorium but was told that does not apply to my home. 
I was told in needed over XXXX to bring my home current for reinstatement. 

Please Advise asap. I am a single father of XXXX and I just started my new job with my State Government on the XXXX of XXXX. I was out of work for over 14 months. 

Specialized Loans Servicing is the company.
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Accounts were opened with the following banks : Bank of America XXXX Both banks were contacted on XX/XX/2021. The accounts were closed on the same date. 

I contacted XXXX  credit bureau to file a fraud alert.
Consumer complaint received 2022-05-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NY)

Receive a letter from Convergent Outsourcing CLAIMING I owed {$590.00} to XXXX Account # XXXX from XX/XX/2021 with their reference # of : XXXX. 

I've NEVER had any account with XXXX and in fact they do not service this area as we have XXXX which is paid in full automatically every month via a direct withdrawal from our checking account. [ Lived here over 40 years ] Checked on the web and saw numerous claims regarding this scam company and even reports of lowered credit ratings after contacting them { which is why I am turning to you and not them }. 

In my XXXX years on this planet I've never not paid my bills when they were due and such people attempting top say otherwise makes my blood boil.
Consumer complaint received 2021-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

XX/XX/2021 I reported to XXXX XXXX XXXX that my debit card was stolen and reported every unknown transaction. After that, they closed my card, but my bank account still has it. XXXX I tried to log in to my account using mobile banking and online banking to transfer the account balance, but it was unsuccessful. On the morning of XX/XX/2021, when I tried to log in to Mobile Banking again to transfer my funds, the system prompts me that my login account has been disabled and I can not access my account, but my account contains all my funds, Including the third round of assistance is in this account. That is all my money. I can not use digital banking. I can only go to the local bank to deal with it. But the banker also told me that they couldn't do anything and couldn't get back the money in my account. 
I do not know what to do. I am very dissatisfied with the services provided by XXXX XXXX XXXX. My account at this bank is all my income account, but not only the assets in my account have unauthorized transactionsAfter I complained about the banks actions, the bank chose to close the account that I had been trying to maintain for two years. I did nothing wrong. I dont understand why I need to take such responsibility. Including until now, I don't have a penny in my pocket. Almost ten days have passed, and I have been suffering from hunger. I called the customer service of the bank. They kicked me like a ball. No one solved my problem for me. I was a victim. I deposited my money in the bank, but I couldn't use my money, this is really ridiculous.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

I am a victim of identity theft, and Im writing to dispute certain information on my credit file resulting from the crime. On XXXX ( 11 ACCOUNTS ) that where reporting on my credit file where ( REMOVED/DELETED ) without my consent nor authorization. Im requesting for these 11 accounts to be ( RE-INSERTED BACK ON MY CREDIT FILE ) ASAP! WHEN I CALLED TO SPEAK TO A AGENT TODAY I WAS INFORMED THAT MY ENTIRE CREDIT FILE HAVE BEEN DELETED OF ALL OF MY ACCOUNTS AND PERSONAL INFORMATION! THE AGENT ONLY SEE 1 ACCOUNTS REPORTING WHICH IS A ACCOUNT THAT ( IS NO LONGER REPORTING ON MY CREDIT FILE )! I HAVE A TOTAL OF 11 ACCOUNTS THAT ARE REPORTING ON MY EQUIFAX CREDIT FILE!!!!!! I WAS ABLE TO LOG INTO ( MYEQUIFAX.COM ) TODAY ON XXXX AND IT SHOW ALL OF MY PERSONAL INFORMATION, REVOLVING, AND INSTALLMENT LOANS REPORTING ON MY CREDIT FILE. WHEN I CALL INTO THE FRAUD DEPARTMENT OR CUSTOMER SERVICE THEY ARE TELLING ME THAT MY ENTIRE CREDIT FILE HAS BEEN DELETED! THAT NO ACCOUNTS ARE REPORTING AND NON OF THE ACCOUNTS I HAVE HAD ARE REPORTING ON MY CREDIT FILE! I HAVE HAD CREDIT FOR OVER 8 YEARS AND NOW MY CREDIT FILE HAS BEEN WIPED CLEANED! WHAT HAPPENED TO MY EQUIFAX CREDIT FILE? 

I AM ATTACHING MY CURRENT UPDATED CREDIT REPORT THAT IS SHOWING ON ( MYEQUIFAX.COM ) AND ALSO (XX/XX/XXXX) SHOWING THAT ALL OF MY ACCOUNTS WHERE DELETED ON TODAY XXXX!!!!!!!!!!!! 

*************************ATTENTION***************************** MY CREDIT FILE NEED TO BE FIXED AND MY ACCOUNTS NEED TO BE BACK REPORTING ON MY CREDIT FILE ASAPI NEED MY EQUIFAX CREDIT FILE TO BE UPDATED, AND MY ACCOUNTS THAT ARE SHOWING ON MY CREDIT FILE TO BE ADDED BACK ASAP! PLEASE ADD & RE-INSERT THESE ACCOUNTS BACK TO MY CREDIT FILE ASAP!!!!!!!!!!!!! 
***************************ATTENTION*************************** I AM ATTACHING MY CURRENT EQUIFAX CREDIT REPORT AND XXXX XXXX REPORT TO THIS FAX TO SHOW THE ACCOUNTS THAT WHERE REPORTING AND YOUR DEPARTMENT REMOVING THEM OFF OF MY CREDIT FILE! ADD MY 11 ACCOUNTS BACK TO MY CREDIT FILE ASAP!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

PLEASE INVESTIGATE THIS ISSUE IN A TIMELY MANNNER, AND PROVIDE ME WITH A WRITTEN RESPONSE. I HOPE THAT YOU TAKE IN CONSIDERATION MY CONCERNS REGARDING THIS MATTER, AND I HOPE TO BE HEARING FROM YOU IN THE NEAR FUTURE.