davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-12
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. (WA)

XXXX XXXX XXXX is an account that was removed from my credit report years ago due to fraud. On XX/XX/2019, the company rereported it to the credit bureaus. This is an illegal practice in accordance with the Fair Credit Reporting Act 611 Paragraph B. This outlines the requirements for reinsertion of deleted material. In order to reinsert the following must have taken place : ( i ) Certification of accuracy of information. - The information was proven to be inaccurate years ago through the appropriate steps per the credit reporting agency, therefore it was deleted. Once deleted, the consumer reporting agency had the legal obligation to inform me in writing that not later than 5 business days after the reinsertion. In addition to notification, I should have received a statement, the business name, address, and telephone number of the furnisher of the information that contacted the credit reporting agency to provide the information. 
The Fair Credit Reporting Act also outlines that the credit agency should have procedures in place to prevent the reappearance of deleted accounts. Specifically the Act reads : A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph. 

As this account was legitimately deleted years ago, and the credit reporting agency in in direct violation of my rights per Section 611 of the FCRA, please delete this account from my credit reports.
Consumer complaint received 2019-03-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EVERBANK, NATIONAL ASSOCIATION (NY)

I sent XXXX payment from my citizens bank to my TIAA account {$1000.00} I have proof it was received into account- citizens bank gave me details it was received : Trace number XXXX Confirmation number : XXXX When I called tiaa they said they dont have it but you do so please investigate and send me check of money ASAP
Consumer complaint received 2019-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I've gone through the accounts and collections displayed on my credit and I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove these items from my credit report immediately as this is poor judgement on my credit worthiness.Attached is my Identity theft report.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX I sent all the bureaus a certified letter. You received my dispute regarding some transactions and late payments that you and XXXX XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you ( XXXX, Transunion, XXXX ) stating that the account was verified!!! Account # XXXX and # XXXX Your is report still showing the same exact data which means nothing was done. In XXXX XXXX I was late XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXXXXXX days. The days late are reporting inaccurate then it states on my last letter from XXXX XXXX This item was updated from our processing of your dispute in XX/XX/XXXX so no investigation was done they simply just updated it same incorrect information. 
I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; \n ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) \nreport containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? 
Further more lets take a look at 15 USC 1666b\n ( a ) Time to make payments\nA creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; \nWhat reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date. 
The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance XXXX compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate. I am requesting requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate. 
LATE PAYMENTS ARE ILLEGAL????? I WILL SHOW YOU WHEN WE GO TO COURT.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: White Jacobs & Associates (MD)

On XX/XX/2018 I signed up and paid for White Jacobs and Associates credit repair services. The initial fee I paid to become a part of this service was {$890.00} ( see banking statement attachment ) This fee was paid prior to any services being rendered. Following that payment I was then subjected to $ 100 monthly withdrawal of my banking account to maintain the service. 

During the months I was a part of this program I expressed concern on several occasions for the lack of progress and communication ( see attached ). I also expressed the hardships that came as a result of the large lump sum of {$890.00} along with the ongoing {$100.00} payments I was required to make. As a result, I was thrust into a financial hardship and had to discontinue my service. Over a year later and Im still feeling the effects of this ordeal and have recently entered a credit counseling program ( free of charge ) offered through a local non profit organization here in Washington, DC. There I was enlightened about the FTC Credit Repair Organizations ACT ( CROA ) and how it was employed to protect consumers from such experiences. Had I known about these regulations and this Act I would have filed this complaint way sooner but unfortunately I never knew such a thing existed. Ive always thought this to be an unregulated field which was how so many get taken advantage of, including myself. I further learned there was a section which specifically speaks to this practice and that was section 1679b. Prohibited practices ( b ) Payment in advance states No credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed. 

This contradicts my experience, and is in direct violation, as I was required to pay a large sum of money before any services were ever initiated. Additionally, I am able to supply banking statements of the {$890.00} payment being made, as well as the ongoing {$99.00} per month payments. Furthermore, I am able to supply you with a copy of all my letters from the bureaus confirming the accounts in question during my time in their program as well as proof of the financial distress that I have continued to endure since then.
Consumer complaint received 2019-09-16
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I have had a secured XXXX XXXX card with USAA for about 4 years. I am also currently living abroad for work. I recently checked my messages on the website and noticed that the {$35.00} annual fee was past due. The card statement said that this was due XX/XX/19, so I paid it. Several days later the card was closed. I called to ask why on XX/XX/19 and they said because I did not pay the annual fee. I saw in the statement that I had, so I asked them to reinstate the card or refund the {$35.00} I paid as they did not provide the service I paid for. They said they would do neither of those and I asked for a call back from a senior banking specialist as they would not let me talk to them over the phone at that time, and I have heard nothing since then. 

It seemed simple and obvious to me to either provide the service they took the money for, or refund me the money, but I cant seem to get help from them, so I am requesting your help in resolving this.
Consumer complaint received 2020-04-27
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: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX {$1900.00} XXXX XXXX {$1700.00} XXXX  XXXX {$3600.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX {$7400.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-04-27
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. (AR)

My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX {$1900.00} XXXX XXXX {$1700.00} XXXX XXXX {$3600.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$2900.00} XXXX  XXXX {$7400.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am a victim of identity fraud since 2017. Bank of America has charged my credit and debit card for charges not made by me. There are late charges added and it is hurting my credit.
Consumer complaint received 2020-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NJ)

I checked my credit report. I found a XXXX bill for {$1000.00} from an account that was opened in XXXX of 2017 that did not belong to me. I contacted the debt collector to find out who the debt belonged to. I was told that the debt belonged to me even though I was given no validation of the debt, I never received any bill for the debt and I was never contacted about the debt by having a bill sent to me for an account that supposedly belongs to me. I informed my local police department and filled out a voluntary identity theft form and then was given a police CAD report recording the incident for further use with the collection agency and the credit bureaus. All of which ignored my efforts and just sent back information that this debt was verified. How could a debt that does not belong to me that is not even in my name be verified as my debt. I request a full investigation be done of this alleged debt and how the investigation was done with all relevant paperwork including original creditor documentation, business records, full accounting, a sworn affidavit from someone with personal knowledge of the debt. Some valid contractual obligation which is binding for me to pay this debt. Also, to produce the documentation from the alleged creditor authoring this company to collect this debt in their behalf. I am sending my most recent letter to Convergent Outsourcing requesting this information again.
Consumer complaint received 2019-04-19
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. (TN)

I had to borrow money thru a private loan to complete my XXXX XXXX XXXX at XXXX University. I borrowed XXXX on XX/XX/XXXX and {$8000.00} on XX/XX/XXXX. Navient has my student loans. I started paying those loans back in XX/XX/XXXX. I pay around {$170.00} each month on the total loans combined. As of right now, I still owe {$6800.00} on the {$8000.00} loan and {$4600.00} on the {$4500.00} loan. How is this possible? I called back last year to see about a different type of payment or lower interest rate. They said they couldn't do that, but I could get a deferment which I used two separate times for a total of 6 months last year. I had been bit by a cat and had XXXX in my right hand. I missed a lot of work ( I'm a teacher ) and I had a lot of copays and doctor bills that I had to pay, in which I am still paying on. I just feel like paying off this loan is a loosing battle. I mean how can I still owe so much on these original balance or even owe more on the {$4500.00} loan than I even borrowed to begin with? 

XXXX XXXX
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NE)

My husband and I are trying to get a mortgage loan through our Credit Union, when my credit was pulled I had no score on Equifax and through some investigating I found out that XXXX XXXX ( please see attached ) card services had reported me ( XXXX XXXX XXXX ) as deceased while as I am writing you I am very much alive.
Consumer complaint received 2020-04-27
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. (GA)

I went to buy a jet ski for my daughter for the summer, but in order to get it financed my credit had to get pulled. I found a fraudulent bankruptcy and couple of inquiries that are not mine. Please remove these things from my report.
Consumer complaint received 2020-04-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Specialized Loan Servicing Holdings LLC (NM)

My husband stole my identity after we married, as the trustee of my Trust and began taking out mortgages and HELOC 's against the equity in my Trust. His best friend ( XXXX XXXX ) owned his own XXXX, XXXX XXXX XXXX and so he processed the loans and then my husband used an escrow officer ( XXXX XXXX ) at XXXX XXXX XXXX to have us sign quit claim deeds to move the money in and out of my Trust. I was an XXXX  on a XXXX XXXX and so I was afraid to challenge or report my husband for fear of XXXX. He continued to XXXX and XXXX XXXX XXXX and take out hundreds of thousands of dollars from my Trust. Twenty years ago, identity theft and mortgage and title fraud was something that I was not familiar with, and as my husband I " trusted '' him, yet I was also fearful and scared of any retaliation if I did not submit to him. He refinanced my Trust in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX to the tune of approximately 1 million dollars. At no time did I ever initiate contact with XXXX XXXX, XXXX XXXX, nor initiate any Real Estate transactions. He was never the Trustee nor a beneficiary to my or my mother 's Trust. My sister sued me in XXXX for the Conversion of my mom 's Trust ( which is stacked on top of mine ) and at that time I became fully educated as to the extent of his criminal behaviors. He has refused to cooperate however with the civil and divorce courts. XXXX XXXX, Special Master has perjured himself in the divorce courts. Judge XXXX XXXX has silenced my testimony and evidence. His lawyer XXXX XXXX XXXX has submitted false statements to the court. I have filed for identity theft with the FTC, IRS, FBI, the AG office, Organized Crime of XXXX Police, SSA and the DHS. My husband fraudulently brought me from XXXX on a Petition for an Alien Relative and instead of supporting me, he has stolen hundreds of thousands through mortgage and title fraud.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Closed My account, and accused me of making fake fraud claims. I did some research online and saw recent cases from people where people worked in the fraud department would describe how Wells Fargo would not really investigate these claims as the law requires. Also read similar cases where Wells Fargo would close customers accounts, not investigate and stick customers with a denied decision on the case with no way to retaliate as the bank closes the accounts. Reverses any provisional Credits and basically causes a huge inconvenience in peoples lives. This bank has frozen my accounts. I called spoke to a rep over the phone who claimed he removed this freeze and just flat out lied. Wells Fargo reps are rude and hang up on customers if you get a snotty attitude with them. after years of lawsuits you would think they would learn by now. I'm going to sue this bank for every last dollar it has for damages, pain and suffering, and more...
Consumer complaint received 2019-09-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (WA)

On XX/XX/XXXX, My husband and I filled out Loan Modification paperwork with Bayview Loan Servicing. Since then every month I have been asked to provide additional information. While some things made sense others such as explaining my pay stub seemed more like a delaying tactic. Since then I have been asked to resubmit the application several times, the most recent ones were XXXX of XXXX and then again on XX/XX/XXXX. They have also requested numerous appraisals and valuations at my expense. 

I have been assigned no less then 4 Asset Managers, some rotating before I even had a chance to make contact. Since I live on the west coast and the Asset Managers are in Florida, communication is very difficult. They can not call me before I start work and are gone by the time I get off. I have tried calling on my lunch break but the Asset Managers are never available. In addition, when the do call they are not able to leave detailed messages, just that they called and call them back. However, when you try you are put into a voice mail and your call is rarely returned. They also are not able to reply with details to email requests. It used to be that I could call customer service to schedule a phone appointment and they would sometimes call as scheduled. They now have an automated system and my most recent Asset Manager and his Supervisor do not have any appointments available every time I have tried. I have spent an hour on the phone each day for 6 business days trying to get in touch with someone who can give me information. I finally scheduled a phone appointment on XXXX to review the documents I sent on XXXX. He verified he had all the documents and schedule a follow up appointment XX/XX/XXXX which he missed. He called me XX/XX/XXXX and asked for information that was provided on XXXX. Once again I am told he will get back to me in 3-5 business days. He is stalling and using up valuable time. 

I have now been served with a Notice of Default and I do not have the time to keep playing this game. I want to keep my house but feel like Bayview Loan Servicing is not only not helping me do this but are actively putting up road blocks.
Consumer complaint received 2019-09-16
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. (TX)

I received a copy of my credit report and noticed that XXXX and TransUnion are both showing a duplicate account with XXXX XXXX account number is different on the report but it's the same account reporting twice. Both are showing opened the same month/year, the same amount for high balance and that they were both sold to XXXX. The account number XXXX the other one they are listing with the exact same information is wrong. It has been disputed several times and it still reports!
Consumer complaint received 2019-09-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding LLC representing XXXX XXXX XXXX XXXX. l has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/19 amt {$760.00} XXXX XXXX   XXXX XXXX
Consumer complaint received 2019-09-16
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. (FL)

THE FOLLOWING NEGATIVE ACCOUNTS ARE REPORTING NEGATIVELY ON MY CREDIT REPORT : DEPT OF ED / XXXX - XXXX, ALL THREE OF THESE NEGATIVE ACCOUNTS ARE REPORTING 120- DAYS LATE. PLEASE REMOVE THESE ACCOUNT AS FOR THE FACT THAT THEY ARE OLDER ACCOUNTS FROM 2014, NO CHANGES HAVE BEEN MADE, THEREFORE, I NEED TO FIND THE REASON WHY THIS IS HAPPENING TO ME? I NEED REASON 'S SO WHY IMMEDIATELY.
Consumer complaint received 2019-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (SC)

The mortgage company is not applying additional monthly principle payments to the balance of the loan. They are trying to drag out the loan and cost us money. This has happened three months this year. I have had this problem more than three times this year. Attached you will find THIS months issue. A single additional payment of XXXX was made. The amount was too large for them to apply. They ended up trying to pull another XXXX on top of the original amount. They are now trying to charge a bad check fee. Our bank stated that they are consistently having trouble with this mortgage company.