davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Consumer complaint received 2020-08-27
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: NAVY FEDERAL CREDIT UNION (FL)

I sent Navy Federal credit Union this correspondence ; Subject : Credit Limit Increase Your Message XX/XX/2020 : Any update? 

Please refer to ( attached letter ) Whereas XXXX XXXX stated in the letter that XXXX had provided you an updated credit report, that is ( not accurate ) I will be letting XXXX know what you stated. They did not provide you my credit report ( not accurate ) Furthermore ; you had the audacity to list my credit score at XXXX ( not accurate ) https : //www.ftc.gov/enforcement/statutes/fair-credit-reporting-act
Consumer complaint received 2022-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (TN)

Americollect has unlawfully furnished medical debt against the FCRA and is using harassing, oppressive and coercive methods to collect on a debt that I do not owe or own. Americollect does not have such licensure to collect debt in Tennessee. Americollect is in complete violation of HIPAA. Please see attachments.
Consumer complaint received 2020-07-08
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. (MD)

Experion is making up false. ( score factors ) to diminish scores. cfpd did an inquiry on my behalf .EXPERION did not answer the inquiry. Instead EXPERION gave CFPB the result of a dispute. With XXXX XXXX XXXX XXXX. A coverup. I only want to know where the information in my Score factor about a mortgage comes from, when I have no mortgage.? So remove it from my score factor because its not on my record.
Consumer complaint received 2024-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (TX)

Our home flooded the beginning of May and we have been having issues with the mortgage insurance getting money from them to finish the home repairs. We were told that the repairs needed to be 90 % completed to receive final funds. We requested the inspection and the inspector confirmed that more than 90 % of repairs were made. We called to get the remaining funds and were told that repairs had to be XXXX % complete to release funds. Since then we have completed 100 % of repairs OUT OF POCKET. We requested another inspection and have been waiting for more than 2 weeks and have not been contacted. I called the insurance department and the inspection request was never made. We are out of pocket several thousand dollars at this point and have had to file bankruptcy so that they wouldnt foreclose on the house. I want the check to be made out to myself and husband immediately.
Consumer complaint received 2022-09-20
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. (PA)

The credit reporting company and XXXX XXXX XXXXXXXX have argued and yet to fix the problem. XXXX XXXX XXXX has not updated my payment history since XX/XX/2020 and I continue to call daily and they continue to tell the bureaus there is no problem. There is a high balance of {$7600.00} when the credit limit is {$1500.00}. The payment history shows I have paid {$0.00} every month which is absolutely not true.
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (IL)

Applied for a 30-year refinance from Better Mortgage in early XXXX at a quoted rate of 2.75 %. With a XXXX score of over XXXX, I provided all documentation requested, nearly everything within 72 hours of application. After receiving the initial GFE for closing costs and escrow, I received several significantly higher GFE " updates '' with bogus property tax figures, which I had to correct. My credit card was charged {$550.00} for an appraisal which has not occurred and which I have been told is not necessary and was to be waived but I have not received a requested refund to my credit card. Was asked by Better Mortgage to provide documentation which I had already provided and was subjected to long periods ( > week ) where I did not receive replies to my emails asking for the status of my loan application. It is now two months after the initial application, the rate lock has expired, and I am being told the company is waiting for " 3rd party '' documents before submitting the loan package to underwriting. In the meantime, Better Mortgage 's advertised rate on the same loan product has fallen to 2.5 % and I have requested that due to excessive delays entirely the result of their own service failures, I want the rate of 2.5 % currently being advertised by Better Mortgage.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My name is XXXX XXXX. I have been battling with these credit reporting agencies since 2021 regarding incorrect information on my reports. I have done all I can do and need help. I've gone to the police and filed a report. I've even gone to the FTC and filed reports but they refuse to do their job. My purse was stolen a few years back at a nightclub and I've had credit issues and ID theft issues ever since. This is effecting my life!!!
Consumer complaint received 2020-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc (TN)

In XXXX, was working for XXXX XXXX XXXX XXXX XXXX XXXX through a temp agency called XXXX XXXX ; and I was injured while working. I used my insurance, from XXXX, to be seen by a doctor at the hospital I was working at. 

I was wrongfully charged for it. 

I disputed it. It came off my credit report. Easy peasy, right? 

Well, they sold the debt and this new agency put it back on my credit report in XXXX.
Consumer complaint received 2020-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank charged almost {$400.00} in overdraft fees in a period of 3-4 days, then kept a {$420.00} child support payment from the state of Texas office of the attorney general. Bank of America agreed in a class action settlement not to charge any overdraft fees, and this is exorbitant and unfair.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (PA)

on XX/XX/2022, XXXX Insurance reported to lexis nexis that I was involved in an accident with my son 's vehicle on XX/XX/2022. 
I contacted XXXX to correct the information that it was my son that was driving and was involved in the accident. 
XXXX refused to correct the information. 
I then contacted lexis Nexis to dispute the information, I offered to submit a signed affidavit from my son indicating that I was not in the vehicle on this date. 
Lexis Nexis refused to take the statement and instead did a generic review of the record and indicated that the information they had on record was correct. 
This inaccurate information is costing me a fortune in insurance.
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 — Reporting company used your report improperly
Company: Southwest Recovery Services, Inc. (TX)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts XXXX XXXX XXXX Southwest Recovery Services XXXX XXXX XXXX I want all collection accounts deleted asap! they do not belong to me and Ive provided this company proof over 3 times.
Consumer complaint received 2022-07-20
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. (CA)

Equifax has ignored the XXXX Department of Justice and failed to respond to them. ( See the attached letter from the XXXX Department of Justice. )
Consumer complaint received 2020-08-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ad Astra Recovery Services Inc (TN)

Collection account reported to credit bureaus on XX/XX/2020 after bankruptcy was filed on XX/XX/2020. 

Per Complaint # XXXX, It is Ad Astras policy to wait until the approval of the discharge associated with the chapter XXXX bankruptcy, before requesting a deletion from the credit reporting agencies and returning the account to our client. 

The bankruptcy has been discharged. Please remove this collection account from all three credit bureaus promptly. Your cooperation will be greatly appreciated.
Consumer complaint received 2020-08-27
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. (MD)

XXXX XXXX XXXX report to Experian that I was late for my XXXX payment. I wasnt given any chance to make the payment due to statement error from XXXX. The XXXX statement and XXXX statement have payment due XXXX. Ii couldnt made no payment on line.I should no be blame for them mistake.
Consumer complaint received 2022-09-20
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. (GA)

Transunion has falsely claimed they have completed their investigation into my dispute. Transunion did not actually investigate my dispute as my dispute was about my uniformed decision as outlined in 15 USC 1601-1602 with these alleged debts when I entered into these consumer credit transactions. With these transactions there is no evidence of indebtedness the only evidence of indebtedness was by way of the agreement but because of the uniformed decision that agreement is null and void. It is null and void because I made a uniformed decision, I did not understand its meaning, and it was not clear and conspicuous. Transunion did not investigate this as they can not legally confirm if the agreement was clear and conspicuous.
Consumer complaint received 2022-09-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

My credit score has been negatively impacted as a result of this company, ARS Account Resolution Services, reporting debt owed to all three major credit reporting companies ( XXXX, XXXX, and XXXX ). 

To start off, I never formally received any letter from this company requesting this debt or showing any proof that this debt is valid. I was constantly receiving phone calls from this debt collector requesting me to pay off this debt. When I checked my credit report I realized that my credit score was drastically impacted by the collections reported. 

On XX/XX/2022, I sent a Debt Validation Letter to this company requesting them to provide proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. I was sure to include in the letter that for the purposes of 15 USC 1692 et seq., this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of their claims. This notice is an attempt to correct their records, and any information received from them will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status. I advised them that I would be waiting for a response within 30 days from the date that they received the letter. The letter contained my first and last name along with my account number found on my credit report and my address. 

Per USPS Tracking, I found that they received the letter on XX/XX/2022, at XXXXXXXX XXXX. On XX/XX/XXXX, I received a letter from ARS Account Resolution Services stating that they received my letter but were unable to locate my account with the information that I provided. They requested that I send them additional information that may be helpful as well as a copy of the credit report showing the account in question. On XX/XX/2022, I sent them a 2nd Attempt Debt Validation Letter with all of the information that they requested from me. Per, USPS Tracking I show that they received this letter on XX/XX/2022, at XXXX XXXX. As of now, on XX/XX/2022, I check my credit report showing that they have not removed the collections on my credit report. I also have not received any validation of this debt whatsoever. As a matter of fact, they aren't even able to locate me in their system at all.
Consumer complaint received 2020-10-23
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. (FL)

To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.
Consumer complaint received 2020-08-27
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: EQUIFAX, INC. (NC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I XXXX XXXX never enter any consumer credit transaction with RC/RESURGENT RECEIVABL for them to have obtain my personal information. Pursuant 15 usc 1692 ( a ) this is infringement upon my consumer 's right to privacy. By RC/RESURGENT RECEIVABL obtaining my personal information without my consent they have committed fraud and identity thief. RC/RESURGENT RECEIVABL furnishing this allege debt to my consumer report they have damage my reputation pursuant to 15 usc 1692d ( 1 ). Now i can not do business with anybody else due to RC/RESURGENT RECEIVABL reporting this allege debt to my consumer reports.
Consumer complaint received 2020-08-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is my second time doing this because you guys didn't believe It was me. I am submitting some documents with this to prove that this is me reaching out to you because these companies have violated the law and I humbly am seeking justice. XXXX and XXXX a whole month and some change apart. If you read my letters I specifically asked according to the way the US supreme court cases have been handled and these companies violated over and over again and so I am now reaching out to you guys for the hope of future achievement.
Consumer complaint received 2020-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CULLEN/FROST BANKERS, INC. (TX)

No response to the following written request sent on XX/XX/XXXX ... 
XXXX XXXX XXXX ( my mother ) passed away several years ago on XX/XX/XXXX. Attached is her death certificate and Last Will showing me as her independent executor, sole heir and beneficiary. It has recently come to light that the above referenced account may have gone dormant. It is necessary this account be reactivated ( If applicable ) and I be added as her replacement signatory to conduct the necessary business matters associated with this checking  account. 

A followup was sent certified on XX/XX/XXXX ... 

Although I would ask why I wasnt afforded the courtesy of a response to my letter of XX/XX/XXXX ( copy enclosed ) the more pressing matter is that which was the subject of the letter ; My request to have my named added as a signer to the account so the business matters associated with that account can resume. I purposely have not included another copy of my mothers last will and death certificate trusting the documents sent mid-May have not been lost or misplaced but rather simply not acted upon. Should you need replacements, notify me of such and arrangements will be made to forward duplicates. Use any of the means below to reach me.

I have had absolutely no response to either pieces of correspondence.
Consumer complaint received 2020-09-09
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: Atlanticus Services Corporation (VA)

I have an unauthorized credit inquiry from Fortiva/XXXX dating XX/XX/2020. I did not apply for any new credit. I called the creditor and was told that they would remove, however I can not be so sure they will remove as they are the ones that report inaccurate information in the first place. I have frozen all of my I do with all 3 credit bureaus, as well as put a fraud alert on my account. I filed a dispute with XXXX as they are the only bureau as of now showing this fraudulent information. They have an estimated completion date of XX/XX/2020 but any help sooner would be appreciated as I do not want any further fraudulent activity to occur
Consumer complaint received 2020-08-27
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.